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Sample records for icc financial survey

  1. ICCS 2009 User Guide for the International Database. Supplement 3: Variables Derived from the Survey Data

    ERIC Educational Resources Information Center

    Brese, Falk; Jung, Michael; Mirazchiyski, Plamen; Schulz, Wolfram; Zuehlke, Olaf

    2011-01-01

    This supplement contains documentation on all the derived variables contained in the International Civic and Citizenship Education Study (ICCS) 2009 data files that are based on survey variables. These variables were used to report data in the ICCS 2009 international reports, and are made available as part of the ICCS 2009 International Database…

  2. ICCS 2009 Technical Report

    ERIC Educational Resources Information Center

    Schulz, Wolfram, Ed.; Ainley, John, Ed.; Fraillon, Julian, Ed.

    2011-01-01

    This report is structured so as to provide technical detail about each aspect of International Civic and Citizenship Education Study (ICCS). The overview is followed by a series of chapters that provide detail about different aspects of ICCS. Chapters, 2, 3, 4, and 5 are concerned with the instruments. Chapter 2 provides information about the…

  3. ICCS 2009 User Guide for the International Database. Supplement 5: ICCS 2009 Released Items

    ERIC Educational Resources Information Center

    Brese, Falk; Jung, Michael; Mirazchiyski, Plamen; Schulz, Wolfram; Zuehlke, Olaf

    2011-01-01

    This document contains released items used in the ICCS 2009 main survey. Seven clusters of items were used in the study in a rotated booklet design with three clusters per test booklet. Clusters 1 and 7 comprise the released item set. Cluster 1 comprises items that were newly developed for ICCS 2009 and Cluster 7 is drawn from previously secure…

  4. Verification Survey: NASFAA Survey Shows Administrative Burden Increasing for Financial Aid Offices. Quick Scan Survey Results

    ERIC Educational Resources Information Center

    National Association of Student Financial Aid Administrators (NJ1), 2009

    2009-01-01

    More than three in four college financial aid offices reported an increase in the number of cases where they must verify information on the Free Application for Federal Student Aid (FAFSA), according to the National Association of Student Financial Aid Administrators' (NASFAA's) latest Quick-Scan Survey. The increase in the number of verification…

  5. JCCC Financial Aid Office Student Satisfaction Survey, 1997.

    ERIC Educational Resources Information Center

    Weglarz, Shirley

    In 1997, the Financial Aid Office Staff at Johnson County Community College (JCCC) in Kansas conducted a survey to gauge student satisfaction with the Student Financial Aid Office. Surveys mailed to 3,026 current and prospective JCCC students resulted in 299 usable responses. This report combines results for applicants for two types of financial…

  6. 77 FR 65675 - Financial Education Content Needs Survey

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-10-30

    ... soliciting comments on this collection of information was published on August 16, 2012 (77 FR 49428). The... COMMISSION Financial Education Content Needs Survey AGENCY: Commodity Futures Trading Commission, Office of... to provide its financial education content to these employees and organizations. This notice...

  7. Financial Aid Administrators' Views on Simplifying Financial Aid: NASFAA's 2008 Financial Aid Simplification Survey Report

    ERIC Educational Resources Information Center

    National Association of Student Financial Aid Administrators (NJ1), 2008

    2008-01-01

    Despite a decade of simplification efforts, students and families are often still baffled by the student aid process and cringe at the sight of financial aid application forms. Contrary to its purpose of helping students to access college, the student aid application process causes families frustration and confusion that has been cited as an…

  8. Stability of Ionic Colloidal Crystals (ICCs)

    NASA Astrophysics Data System (ADS)

    Maskaly, Garry R.; Garcia, R. Edwin; Carter, W. Craig; Chiang, Yet-Ming

    2003-03-01

    Ionic colloidal crystals (ICCs) are here defined as ordered multicomponent colloids formed by attractive electrostatic interactions. Compared to previous approaches to colloidal crystallization, the ICC approach holds the potential for self-assembly of a wide range of structures not easily accessible by other methods. In this work, the colloid-chemical conditions under which ICCs are stable have been theoretically analyzed. A model is presented in which two dimensionless parameters are found to fully characterize an ICC system. We calculate the Madelung constant for ICCs of several classical ionic crystal structures as a function of these two parameters, and discuss the parallels between the ICC Madelung constants and the classical ionic case. Experimentally accessible regions of surface charge, particle sizes, salt concentration, and temperature where ionic colloidal crystallization should be possible are identified.

  9. Synthesis of Ionic Colloidal Crystals (ICCs)

    NASA Astrophysics Data System (ADS)

    Maskaly, Garry R.; Garcia, R. Edwin; Carter, W. Craig; Chiang, Yet-Ming

    2003-03-01

    Binary ionic colloidal crystals (ICCs) have been produced by ordered heterocoagulation of colloidal mixtures of silica (negative surface charge) and polystyrene functionalized with amidine (positive surface charge) suspended in isopropanol. Experimental conditions predicted by the theoretical model discussed in a separate talk have been implemented to obtain heterocoagulation of these particles in the rocksalt structure. To our knowledge, this is the first experimental demonstration of the ICC concept. The importance of various experimental parameters on ICC formation is discussed. Particle dynamics simulations are carried out to provide insight into the kinetics of ICCs. Potential applications are discussed.

  10. Urban Libraries Council Frequent Fast Facts Survey: Fund Raising and Financial Development Survey Results.

    ERIC Educational Resources Information Center

    Urban Libraries Council, Evanston, IL.

    This survey documents activities of Urban Libraries Council member libraries in the areas of fund raising and financial development, and gathers examples of library bylaws, policies on the use of private and general funds money, and policies on gifts. Questionnaires were sent to 89 member libraries in September 1993, and 63 were returned. Findings…

  11. 78 FR 5166 - BE-185: Quarterly Survey of Financial Services Transactions Between U.S. Financial Services...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-24

    ... Bureau of Economic Analysis XRIN 0691-XC009 BE-185: Quarterly Survey of Financial Services Transactions Between U.S. Financial Services Providers and Foreign Persons AGENCY: Bureau of Economic Analysis... Analysis (BEA), Department of Commerce, is informing the public that it is conducting the mandatory...

  12. PREFACE: 3rd International Congress on Ceramics (ICC3)

    NASA Astrophysics Data System (ADS)

    Niihara, Koichi; Ohji, Tatsuki; Sakka, Yoshio

    2011-10-01

    Special Symposium 'Emerging Technologies and Future Aspects for Ceramics', which discussed the issues and challenges of various ceramic technologies for sustainable development of tomorrow's human society. More than 1850 research papers including invited talks, oral presentations, and posters were presented from 56 countries (according to the Program), with nearly 2000 registered participants. This ICC3 proceedings contains papers that were submitted to ICC3 and approved for publication on line in IOP Conference Series: Materials Science and Engineering (MSE). The organization of ICC3 and the publication of this proceedings were made possible thanks to the tireless dedication of many people and the valuable support of numerous bodies. Special thanks should go to the financial supporters for their generous patronage. We also would like to express our sincere thanks to the symposia organizers, session chairs, presenters, exhibitors and congress attendees for their efforts and enthusiastic participation in this vibrant and cutting-edge congress. July 2011 Koichi Niihara, ICC3 President Tatsuki Ohji, ICC3 Secretariat Yoshio Sakka, ICC3 Secretariat The PDF file contains a complete list of sponsors, committee members, board members and symposia organizers.

  13. An International Perspective on Active Citizenship among Lower Secondary Students. Concepts and Measures Developed for the IEA Civic and Citizenship Education Study (ICCS)

    ERIC Educational Resources Information Center

    Schulz, Wolfram

    2007-01-01

    The new IEA "International Civic and Citizenship Education Study" (ICCS) will investigate the extent to which young people are prepared to undertake their roles as citizens across a range of countries. ICCS will survey 13-to-14-year old students in over 30 countries in the year 2009. The ICCS outcome data will be obtained from representative…

  14. Budget Cuts: Financial Aid Offices Face Budget Cuts and Increasing Workload. Quick Scan Survey Results

    ERIC Educational Resources Information Center

    National Association of Student Financial Aid Administrators (NJ1), 2010

    2010-01-01

    The majority of college financial aid offices have seen cuts to their operating budgets this year compared to the 2007-08 academic year when the recession began, according to the National Association of Student Financial Aid Administrator's latest QuickScan Survey. Sixty-two percent of financial aid offices reported operating budget cuts this year…

  15. 48 CFR 53.301-1407 - Preaward Survey of Prospective Contractor-Financial Capability.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 2 2010-10-01 2010-10-01 false Preaward Survey of Prospective Contractor-Financial Capability. 53.301-1407 Section 53.301-1407 Federal Acquisition Regulations...-1407 Preaward Survey of Prospective Contractor—Financial Capability. EC01MY91.090 EC01MY91.091...

  16. Measuring Financial Capability and Its Determinants Using Survey Data

    ERIC Educational Resources Information Center

    Taylor, Mark

    2011-01-01

    Financial capability, or people's ability to manage and take control of their finances, is receiving increasing interest among policy makers as more people find themselves in difficult financial situations during the current economic downturn. We tackle the problem of how to measure financial capability--with a specific focus on making ends meet…

  17. Financial attitudes, knowledge, and habits of chiropractic students: A descriptive survey

    PubMed Central

    Lorence, Julie; Lawrence, Dana J.; Salsbury, Stacie A.; Goertz, Christine M.

    2014-01-01

    Objective: Our purpose was to describe the financial knowledge, habits and attitudes of chiropractic students. Methods: We designed a cross-sectional survey to measure basic financial knowledge, current financial habits, risk tolerance, and beliefs about future income among 250 students enrolled in business courses at one US chiropractic college. Descriptive statistical analyses were performed. Results: We received 57 questionnaires (23% response rate). Most respondents would accumulate over $125,000 in student loan debt by graduation. Financial knowledge was low (mean 77%). Most respondents (72%) scored as average financial risk takers. Chiropractic students reported recommended short-term habits such as having checking accounts (90%) and health insurance (63%) or paying monthly bills (88%) and credit cards (60%). Few saved money for unplanned expenses (39%) or long-term goals (26%), kept written budgets (32%), or had retirement accounts (19%). Conclusion: These chiropractic students demonstrated inadequate financial literacy and did not engage in many recommended financial habits. PMID:24587498

  18. 78 FR 3403 - Agency Information Collection Activities: Financial Education Content Needs Survey

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-16

    ... From the Federal Register Online via the Government Publishing Office COMMODITY FUTURES TRADING COMMISSION Agency Information Collection Activities: Financial Education Content Needs Survey AGENCY... often the respondents would like to receive content from CFTC, the format in which the respondents...

  19. ICCE/ICCAI 2000 Invited Papers.

    ERIC Educational Resources Information Center

    2000

    This document contains the full text of the following invited papers from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "Matching the Infoverse: About Knowledge Networks, Knowledge Workers, and Knowledge Robots" (Joachim Hasebrook); (2) "Learning on the Internet:…

  20. ICCE Publishes Statement on Software Copyright Violations.

    ERIC Educational Resources Information Center

    Electronic Learning, 1983

    1983-01-01

    The Policy Statement on Network and Multiple Machine Software of the International Council for Computers in Education (ICCE) calls for cooperation between educators, software developers, and vendors in preventing software piracy. This summary includes a suggested district policy statement on software copyright. (MBR)

  1. Indian childhood cirrhosis (ICC) & ICC-like diseases: the changing scenario of facts versus notions.

    PubMed

    Nayak, N C; Chitale, A R

    2013-06-01

    Indian childhood cirrhosis (ICC), a disease considered to have been endemic in and unique to India has now been documented in children of non-Indian origin from other countries. More recently available findings from a large multicentre study sponsored by the Indian Council of Medical Research (ICMR) have dispelled some of the generally accepted notions and have established several new facts on different aspects of the disease. All relevant reports on ICC and ICC-like diseases, till date, were reviewed to obtain a proper perspective on the current state of our understanding on this non-Wilsonian copper overload liver disease. A primary role of exogenous copper in causing the disease was earlier debated on the basis of studies in India but investigators abroad studying some sporadic cases and a series of endemic ICC-like diseases supported a hepatotoxic injury by ingested copper in genetically susceptible infants and children in ICC- like disease and in ICC. Epidemiologic and morphologic findings in the well controlled ICMR study based on 225 cases of ICC and 426 controls, all confirmed on liver biopsy, have however, convincingly refuted this concept. Additionally, this study revealed that unlike what has been believed earlier, older children more than 3 yr age can get the disease and that in its natural course the hepatic histology can transform between the characteristic one considered diagnostic and some other patterns, any one of which can be the morphologic manifestation at first presentation of the patient. Older children and cases with milder morphologic changes at presentation had longer survival. The overall inference from critical analysis of all available data is that ICC and ICC-like diseases clinically manifest in a child of any age though common in younger ones, and a clinical diagnosis must be made in any child with so-called 'cryptogenic cirrhosis'. Exposure to exogenous copper in food, milk and water should not be a prerequisite for this

  2. NIF ICCS network design and loading analysis

    SciTech Connect

    Tietbohl, G; Bryant, R

    1998-02-20

    The National Ignition Facility (NIF) is housed within a large facility about the size of two football fields. The Integrated Computer Control System (ICCS) is distributed throughout this facility and requires the integration of about 40,000 control points and over 500 video sources. This integration is provided by approximately 700 control computers distributed throughout the NIF facility and a network that provides the communication infrastructure. A main control room houses a set of seven computer consoles providing operator access and control of the various distributed front-end processors (FEPs). There are also remote workstations distributed within the facility that allow provide operator console functions while personnel are testing and troubleshooting throughout the facility. The operator workstations communicate with the FEPs which implement the localized control and monitoring functions. There are different types of FEPs for the various subsystems being controlled. This report describes the design of the NIF ICCS network and how it meets the traffic loads that will are expected and the requirements of the Sub-System Design Requirements (SSDR's). This document supersedes the earlier reports entitled Analysis of the National Ignition Facility Network, dated November 6, 1996 and The National Ignition Facility Digital Video and Control Network, dated July 9, 1996. For an overview of the ICCS, refer to the document NIF Integrated Computer Controls System Description (NIF-3738).

  3. Reporting of financial and non-financial conflicts of interest by authors of systematic reviews: a methodological survey

    PubMed Central

    Anouti, Sirine; Al-Gibbawi, Mounir; Abou-Jaoude, Elias A; Hasbani, Divina Justina; Guyatt, Gordon; Akl, Elie A

    2016-01-01

    Background Conflicts of interest may bias the findings of systematic reviews. The objective of this methodological survey was to assess the frequency and different types of conflicts of interest that authors of Cochrane and non-Cochrane systematic reviews report. Methods We searched for systematic reviews using the Cochrane Database of Systematic Reviews and Ovid MEDLINE (limited to the 119 Core Clinical Journals and the year 2015). We defined a conflict of interest disclosure as the reporting of whether a conflict of interest exists or not, and used a framework to classify conflicts of interest into individual (financial, professional and intellectual) and institutional (financial and advocatory) conflicts of interest. We conducted descriptive and regression analyses. Results Of the 200 systematic reviews, 194 (97%) reported authors' conflicts of interest disclosures, typically in the main document, and in a few cases either online (2%) or on request (5%). Of the 194 Cochrane and non-Cochrane reviews, 49% and 33%, respectively, had at least one author reporting any type of conflict of interest (p=0.023). Institutional conflicts of interest were less frequently reported than individual conflicts of interest, and Cochrane reviews were more likely to report individual intellectual conflicts of interest compared with non-Cochrane reviews (19% and 5%, respectively, p=0.004). Regression analyses showed a positive association between reporting of conflicts of interest (at least one type of conflict of interest, individual financial conflict of interest, institutional financial conflict of interest) and journal impact factor and between reporting individual financial conflicts of interest and pharmacological versus non-pharmacological intervention. Conclusions Although close to half of the published systematic reviews report that authors (typically many) have conflicts of interest, more than half report that they do not. Authors reported individual conflicts of interest

  4. Community-College Students Need Better Financial Advising, Survey Finds

    ERIC Educational Resources Information Center

    Hoover, Eric

    2008-01-01

    All the tutoring in the world cannot save students who run short of the money they need to pay for college. This year's Community College Survey of Student Engagement affirms as much. In the survey, known as Cessie, nearly half (45 percent) of respondents cited a lack of finances as a hardship that would likely cause them to withdraw from classes…

  5. Financial Aspects of Industrial Information Centers: A Survey.

    ERIC Educational Resources Information Center

    Talavage, Joseph

    1979-01-01

    Reports on a survey of the economic elements of special libraries and information centers in American industrial companies, focusing on the assessment of allocated resources, pricing behavior, cost behavior, and accounting practices of such centers. (FM)

  6. ICCS 2009 User Guide for the International Database. Supplement 1: International Version of the ICCS 2009 Questionnaires

    ERIC Educational Resources Information Center

    Brese, Falk; Jung, Michael; Mirazchiyski, Plamen; Schulz, Wolfram; Zuehlke, Olaf

    2011-01-01

    This document presents Supplement 1 of "The International Civic and Citizenship Education Study (ICCS) 2009 International Database," which includes data for all questionnaires administered as part of the ICCS 2009 assessment. This supplement contains the international version of the ICCS 2009 questionnaires in the following seven…

  7. 75 FR 35289 - International Services Surveys: BE-180, Benchmark Survey of Financial Services Transactions...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-22

    ... policy on financial services; and assess and promote U.S. competitiveness in international trade in...) 606-9826. SUPPLEMENTARY INFORMATION: In the March 9, 2010 Federal Register (75 FR 10704), BEA...-output accounts; support U.S. international trade policy on financial services; assess and promote...

  8. 75 FR 10704 - International Services Surveys: BE-180, Benchmark Survey of Financial Services Transactions...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-09

    ... their impact on the U.S. and foreign economies; support U.S. international trade policy on financial services; and assess and promote U.S. competitiveness in international trade in services. In addition, they....S. international trade policy on financial services; assess and promote U.S. competitiveness...

  9. ICCS 2009 User Guide for the International Database. Supplement 4: ICCS 2009 Sampling Stratification Information

    ERIC Educational Resources Information Center

    Brese, Falk; Jung, Michael; Mirazchiyski, Plamen; Schulz, Wolfram; Zuehlke, Olaf

    2011-01-01

    This supplement contains documentation on the explicit and implicit stratification variables included in the International Civic and Citizenship Education Study (ICCS) 2009 data files. The explicit strata are smaller sampling frames, created from the national sampling frames, from which national samples of schools were drawn. The implicit strata…

  10. Financial strain, social capital, and perceived health during economic recession: a longitudinal survey in rural Canada.

    PubMed

    Frank, Christine; Davis, Christopher G; Elgar, Frank J

    2014-01-01

    Although the health consequences of financial strain are well documented, less is understood about the health-protective role of social capital. Social capital refers to a sense of community embeddedness, which is in part reflected by group membership, civic participation, and perceptions of trust, cohesion, and engagement. We investigated whether perceptions of social capital moderate the relation between financial strain and health, both mental and physical. This longitudinal study surveyed adults in two communities in rural Ontario where significant job losses recently occurred. Data were collected on financial strain, social capital, perceived stress, symptoms of anxiety and depression, and physical health on three occasions over 18 months (N's = 355, 317, and 300). As expected, financial strain positively related to perceived stress, poor physical health and symptoms of anxiety and depression, whereas social capital related to less stress, better physical health, and fewer symptoms of anxiety and depression. Effects of financial strain on perceived stress and depressive symptoms were moderated by social capital such that financial strain related more closely to perceived stress and depressive symptoms when social capital was lower. The findings underscore the health-protective role of community associations among adults during difficult economic times. PMID:24251877

  11. Selection of key financial indicators: a literature, panel and survey approach.

    PubMed

    Pink, George H; Daniel, Imtiaz; Hall, Linda McGillis; McKillop, Ian

    2007-01-01

    Since 1998, most hospitals in Ontario have voluntarily participated in one of the largest and most ambitious publicly available performance-reporting initiatives in the world. This article describes the method used to select key financial indicators for inclusion in the report including the literature review, panel and survey approaches that were used. The results for five years of recent data for Ontario hospitals are also presented. PMID:18271103

  12. ICCS 2009 User Guide for the International Database

    ERIC Educational Resources Information Center

    Brese, Falk; Jung, Michael; Mirazchiyski, Plamen; Schulz, Wolfram; Zuehlke, Olaf

    2011-01-01

    The International Civic and Citizenship Education Study (ICCS) 2009 studied the ways in which countries prepare their young people to undertake their roles as citizens. ICCS 2009 was based on the premise that preparing students for citizenship roles involves helping them develop relevant knowledge and understanding and form positive attitudes…

  13. 40th Annual Survey Report on State-Sponsored Student Financial Aid, 2008-2009 Academic Year

    ERIC Educational Resources Information Center

    National Association of State Student Grant and Aid Programs, 2009

    2009-01-01

    Each year, the National Association of State Student Grant and Aid Programs (NASSGAP) completes a survey regarding state-funded expenditures for postsecondary student financial aid. This report, the 40th annual survey, represents data from academic year 2008-09. Data highlights of this survey include: (1) In the 2008-2009 academic year, the states…

  14. 36th Annual Survey Report on State-Sponsored Student Financial Aid, 2004-2005 Academic Year

    ERIC Educational Resources Information Center

    National Association of State Student Grant and Aid Programs, 2005

    2005-01-01

    Each year, the National Association of State Student Grant and Aid Programs (NASSGAP) completes a survey regarding state-funded expenditures for postsecondary student financial aid. This report, the 36th annual survey, represents data from academic year 2004-05. Data highlights of this survey include: (1) In the 2004-2005 academic year, the states…

  15. 38th Annual Survey Report on State-Sponsored Student Financial Aid, 2006-2007 Academic Year

    ERIC Educational Resources Information Center

    National Association of State Student Grant and Aid Programs, 2007

    2007-01-01

    Each year, the National Association of State Student Grant and Aid Programs (NASSGAP) completes a survey regarding state-funded expenditures for postsecondary student financial aid. This report, the 38th annual survey, represents data from academic year 2006-07. Data highlights of this survey include: (1) In the 2006-2007 academic year, the states…

  16. 37th Annual Survey Report on State-Sponsored Student Financial Aid, 2005-2006 Academic Year

    ERIC Educational Resources Information Center

    National Association of State Student Grant and Aid Programs, 2006

    2006-01-01

    Each year, the National Association of State Student Grant and Aid Programs (NASSGAP) completes a survey regarding state-funded expenditures for postsecondary student financial aid. This report, the 37th annual survey, represents data from academic year 2005-06. Data highlights of the survey include: (1) In the 2005-2006 academic year, the states…

  17. Family financial and household support exchange between generations: a survey of Chinese rural elderly.

    PubMed

    Shi, L

    1993-08-01

    This study examines the pattern of social support exchange between Chinese elderly and their adult children, based on a 1989 rural Chinese household survey. Following social exchange theory, we found reciprocity in household support but not in financial support. Elderly with greater resource capacities (i.e., health, income, education, and social network) were more likely to provide than receive assistance, whereas those with fewer resources had the opposite patterns. The exchange of support was more likely to be related to affective and nonfinancial instrumental support than financial instrumental support. Because only 42% of elderly with one or two children were living with their children, a formal pension and elderly care system is needed to complement the informal support system. PMID:8375675

  18. Financial access to health care in Karuzi, Burundi: a household-survey based performance evaluation

    PubMed Central

    Lambert-Evans, Sophie; Ponsar, Frederique; Reid, Tony; Bachy, Catherine; Van Herp, Michel; Philips, Mit

    2009-01-01

    Background In 2003, Médecins Sans Frontières, the provincial government, and the provincial health authority began a community project to guarantee financial access to primary health care in Karuzi province, Burundi. The project used a community-based assessment to provide exemption cards for indigent households and a reduced flat fee for consultations for all other households. Methods An evaluation was carried out in 2005 to assess the impact of this project. Primary data collection was through a cross-sectional household survey of the catchment areas of 10 public health centres. A questionnaire was used to determine the accuracy of the community-identification method, households' access to health care, and costs of care. Household socioeconomic status was determined by reported expenditures and access to land. Results Financial access to care at the nearest health centre was ensured for 70% of the population. Of the remaining 30%, half experienced financial barriers to access and the other half chose alternative sites of care. The community-based assessment increased the number of people of the population who qualified for fee exemptions to 8.6% but many people who met the indigent criteria did not receive a card. Eighty-eight percent of the population lived under the poverty threshold. Referring to the last sickness episode, 87% of households reported having no money available and 25% risked further impoverishment because of healthcare costs even with the financial support system in place. Conclusion The flat fee policy was found to reduce cost barriers for some households but, given the generalized poverty in the area, the fee still posed a significant financial burden. This report showed the limits of a programme of fee exemption for indigent households and a flat fee for others in a context of widespread poverty. PMID:19852830

  19. Figuring out the Statistics of the ICC World Cup 2011

    ERIC Educational Resources Information Center

    Shiwalkar, Jyoti P.; Deshpande, M. N.

    2013-01-01

    This paper deals with the analysis of cricket match results from the ICC World Cup 2011. We believe that such data provide good material for interesting classroom exercises. (Contains 7 tables and 1 figure.)

  20. 35th Annual Survey Report on State-Sponsored Student Financial Aid, 2003-2004 Academic Year

    ERIC Educational Resources Information Center

    National Association of State Student Grant and Aid Programs, 2005

    2005-01-01

    Each year, the National Association of State Student Grant and Aid Programs (NASSGAP) completes a survey regarding state-funded expenditures for postsecondary student financial aid. This report, the 35th annual survey, represents data from academic year 2003-04. Data highlights include: (1) In the 2003-2004 academic year, the states awarded about…

  1. 41st Annual Survey Report on State-Sponsored Student Financial Aid, 2009-2010 Academic Year

    ERIC Educational Resources Information Center

    National Association of State Student Grant and Aid Programs, 2010

    2010-01-01

    Each year, the National Association of State Student Grant and Aid Programs (NASSGAP) completes a survey regarding state-funded expenditures for postsecondary student financial aid. This report, the 41th annual survey, represents data from academic year 2009-10. Data highlights include: (1) In the 2009-2010 academic year, the states awarded about…

  2. Factors Contributing to Financial Aid Administrators' Job Satisfaction: NASFAA 2008 Financial Aid Administrators' Job Satisfaction Survey Results

    ERIC Educational Resources Information Center

    National Association of Student Financial Aid Administrators (NJ1), 2008

    2008-01-01

    In what kind of job environment are financial aid administrators (FAA) currently working? How satisfied are they with their jobs? What motivates them and what factors are considered morale dampers? How are financial aid (FA) functions viewed by campus' top administrators? Does FA get similar respect and appreciation from their campus peer offices…

  3. Proliferation of gynaecological scientific societies and their financial transparency: an Italian survey

    PubMed Central

    Vercellini, Paolo; Viganò, Paola; Frattaruolo, Maria Pina; Somigliana, Edgardo

    2016-01-01

    Objectives To determine the number of Italian obstetrical and gynaecological societies, and to ascertain their financial transparency. Design Internet-based national survey and website content analysis. Participants Currently active, not privately owned, non-religious, apolitical, obstetrical and gynaecological associations. Methods From October 2014 to June 2015, scientific societies were identified using combinations of search terms, and examining the website of the two main Italian obstetrical and gynaecological organisations. Individual societies’ websites were scrutinised by two independent investigators. Primary and secondary outcome measures Number of Italian obstetrical and gynaecological associations and its variation over time; 12 information categories defining the general characteristics of the societies and their websites, and the financial transparency of the associations. Results The initial web search yielded 56 professional obstetrical and gynaecological associations but nine were excluded for various reasons. Of the remaining 47 professional associations, 17 covered both obstetrics and gynaecology, four were specialised in obstetrics, 26 in gynaecology and 46 provided continuing medical education (CME) activities. The number of societies has quadrupled in the last 35 years, increasing at a mean rate of one additional society per year. The headquarters of the associations were located in the offices of a professional congress organiser in 15 instances, and advertisements or links to industry products were present in 12 societies’ websites. Bylaws were accessible in 32 websites. No information was publicly available regarding competing interests, financial statements and quantitative external funding. Conclusions The number of obstetrical and gynaecological societies is remarkably high in Italy, particularly in the gynaecological area. Despite CME activity provision, transparency of societies regarding financial issues and competing interests

  4. Heterogeneities in ICC Ca2+ activity within canine large intestine

    PubMed Central

    Lee, Hyun-Tai; Hennig, Grant W.; Park, Kyu Joo; Bayguinov, Peter O.; Ward, Sean M.; Sanders, Kenton M.; Smith, Terence K.

    2016-01-01

    Background & Aims In human and canine colon, both slow (slow waves, 2–8/min) and fast (myenteric potential oscillations; MPOs, 16–20/min) electrical rhythms in the smooth muscle originate at the submucosal and myenteric borders, respectively. We used Ca2+ imaging to investigate whether ICC at these borders generated distinct rhythms. Methods Segments of canine colon were pinned submucosal or myenteric surface uppermost, or cut in cross-section. Tissues were loaded with a Ca2+ indicator (fluo-4) and activity was monitored at 36.5±0.5°C using a CCD camera. Results Rhythmic, biphasic Ca2+ transients (5–8/min), similar in waveform to electrical slow waves, propagated without decrement as a wave front through the ICC-SM network (2–5mm/s), decaying exponentially through the thickness of the CM. In contrast, rhythmic intracellular Ca2+ waves (~16/min) and spontaneous reductions in Ca2+ were observed in ICC-MY. Normally, intracellular Ca2+ waves were unsynchronized between adjacent ICC-MY, although excitatory nerve activity synchronized activity. In addition, spontaneous reductions in Ca2+ were observed that inhibited Ca2+ waves. L-NA (100µM; NO antagonist) blocked the reductions in Ca2+ and increased the frequency (~19/min) of intracellular Ca2+ waves within ICC-MY. Conclusions ICC-SM form a tightly coupled network that is able to generate and propagate slow waves. In contrast, Ca2+ transients in ICC-MY, which are normally not synchronized, have a similar duration and frequency as MPOs. Like MPOs, their activity is inhibited by nitrergic nerves and synchronized by excitatory nerves. PMID:19268670

  5. NIF ICCS Test Controller for Automated & Manual Testing

    SciTech Connect

    Zielinski, J S

    2007-10-03

    The National Ignition Facility (NIF) Integrated Computer Control System (ICCS) is a large (1.5 MSLOC), hierarchical, distributed system that controls all aspects of the NIF laser [1]. The ICCS team delivers software updates to the NIF facility throughout the year to support shot operations and commissioning activities. In 2006, there were 48 releases of ICCS: 29 full releases, 19 patches. To ensure the quality of each delivery, thousands of manual and automated tests are performed using the ICCS Test Controller test infrastructure. The TestController system provides test inventory management, test planning, automated test execution and manual test logging, release testing summaries and test results search, all through a web browser interface. Automated tests include command line based frameworks server tests and Graphical User Interface (GUI) based Java tests. Manual tests are presented as a checklist-style web form to be completed by the tester. The results of all tests, automated and manual, are kept in a common repository that provides data to dynamic status reports. As part of the 3-stage ICCS release testing strategy, the TestController system helps plan, evaluate and track the readiness of each release to the NIF facility.

  6. Employment Impact and Financial Burden for Families of Children with Fragile X Syndrome: Findings from the National Fragile X Survey

    ERIC Educational Resources Information Center

    Ouyang, L.; Grosse, S.; Raspa, M.; Bailey, D.

    2010-01-01

    Background: The employment impact and financial burden experienced by families of children with fragile X syndrome (FXS) has not been quantified in the USA. Method: Using a national fragile X family survey, we analysed data on 1019 families with at least one child who had a full FXS mutation. Out-of-pocket expenditures related to fragile X were…

  7. 44th Annual Survey Report on State-Sponsored Student Financial Aid: 2012-2013 Academic Year

    ERIC Educational Resources Information Center

    National Association of State Student Grant and Aid Programs, 2013

    2013-01-01

    This report provides data regarding state-funded expenditures for student financial aid and illustrates the extent of efforts made by the states to assist postsecondary students. Information in this report is based on academic year 2012-13 data from the 44th Annual NASSGAP survey. Highlights include: (1) In the 2012-13 academic year, the states…

  8. 42nd Annual Survey Report on State-Sponsored Student Financial Aid, 2010-2011 Academic Year

    ERIC Educational Resources Information Center

    National Association of State Student Grant and Aid Programs, 2011

    2011-01-01

    This report provides data regarding state-funded expenditures for student financial aid and illustrates the extent of efforts made by the states to assist postsecondary students. Information in this report is based on academic year 2010-11 data from the 42nd Annual National Association of State Student Grant and Aid Programs (NASSGAP) survey.…

  9. ICCE/ICCAI 2000 Full & Short Papers (Networked Social Learning).

    ERIC Educational Resources Information Center

    2000

    This document contains the following full and short papers on networked social learning from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1)" A European Learning Environment: Reflections on Teaching and Learning in a Multinational Virtual Learning Community" (Brian…

  10. ICCE/ICCAI 2000 Full & Short Papers (Interactive Learning Environments).

    ERIC Educational Resources Information Center

    2000

    This document contains the full and short papers on interactive learning environments from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction) covering the following topics: a CAL system for appreciation of 3D shapes by surface development; a constructivist virtual physics…

  11. COOPERATION BETWEEN AACC AND ICC FOR STANDARD METHODS DEVELOPMENT

    Technology Transfer Automated Retrieval System (TEKTRAN)

    American Association of Cereal Chemists (AACC) Standard Methods and International Association for Cereal Science and Technology (ICC) are cooperating to harmonize certain of their methods. The harmonized methods will employ the same procedures so that the analytical results of either method (such a...

  12. ICCE/ICCAI 2000 Full & Short Papers (Special Education).

    ERIC Educational Resources Information Center

    2000

    This document contains the following full and short papers on special education from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "Automated Quantitative Extraction Method of Aesthetic Impression from Color Images Using the Tone in the HLS Muncell Color Space"…

  13. Civic and Citizenship Education in 2009 (ICCS): A Comparative Study

    ERIC Educational Resources Information Center

    Schulz, Wolfram; Ainley, John

    2007-01-01

    The purpose of the "International Civic and Citizenship Education Study" (ICCS) is to investigate the ways in which young people are prepared to undertake their roles as citizens in a range of countries. The study will report on student achievement on a test of conceptual understandings and competencies in civic and citizenship education. It will…

  14. ICCE/ICCAI 2000 Full & Short Papers (Telecommunication in Education).

    ERIC Educational Resources Information Center

    2000

    This document contains the following full and short papers on telecommunications in education from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "A Flexible Transaction Model for Virtual School Environments" (Woochun Jun and Sukki Hong); (2) "Design and…

  15. ICCE/ICCAI 2000 Full & Short Papers (Others).

    ERIC Educational Resources Information Center

    2000

    This document contains the following full and short papers from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "A Code Restructuring Tool To Help Scaffold Novice Programmers" (Stuart Garner); (2) "An Assessment Framework for Information Technology Integrated…

  16. ICCE/ICCAI 2000 Full & Short Papers (Student Modeling).

    ERIC Educational Resources Information Center

    2000

    This document contains the following full and short papers on student modeling from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "A Computational Model for Learner's Motivation States in Individualized Tutoring System" (Behrouz H. Far and Anete H. Hashimoto);…

  17. ICCE/ICCAI 2000 Full & Short Papers (Educational Agent).

    ERIC Educational Resources Information Center

    2000

    This document contains the full text of the following papers on educational agent from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "An Agent-Based Intelligent Tutoring System" (C.M. Bruff and M.A. Williams); (2) "Design of Systematic Concept Learning Model…

  18. ICCE/ICCAI 2000 Full & Short Papers (Instructional Design).

    ERIC Educational Resources Information Center

    2000

    This document contains the full text of the following full and short papers on instructional design from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "An Experiment of Situated Learning on College Students" (Fonchu Kuo and others); (2) "An Approach to Modeling…

  19. ICCE/ICCAI 2000 Full & Short Papers (Collaborative Learning).

    ERIC Educational Resources Information Center

    2000

    This document contains the full and short papers on collaborative learning from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction) covering the following topics: comparison of applying Internet to cooperative and traditional learning; a distributed backbone system for…

  20. ICCE/ICCAI 2000 Full & Short Papers (Creative Learning).

    ERIC Educational Resources Information Center

    2000

    This document contains the following full and short papers on creative learning from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "A Collaborative Learning Support System Based on Virtual Environment Server for Multiple Agents" (Takashi Ohno, Kenji Saito, Hajime…

  1. ICCE/ICCAI 2000 Full & Short Papers (Intelligent Tutoring Systems).

    ERIC Educational Resources Information Center

    2000

    This document contains the full and short papers on intelligent tutoring systems (ITS) from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction) covering the following topics: a framework for Internet-based distributed learning; a fuzzy-based assessment for the Perl tutoring…

  2. ICCE/ICCAI 2000 Full & Short Papers (Lifelong Learning).

    ERIC Educational Resources Information Center

    2000

    This document contains the following full and short papers on lifelong learning from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "A Study on the School Information Technology Pilot Scheme: Possibilities of Creative and Lifelong Learning" (Siu-Cheung Kong,…

  3. ICCE/ICCAI 2000 Full & Short Papers (Globalization vs. Localization).

    ERIC Educational Resources Information Center

    2000

    This document contains two papers on globalization versus localization from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction). The first paper, "Implementing Modern Approaches to Teaching Computer Science: A Cross-Cultural Perspective" (Jill Slay and Kam W. Li), examines…

  4. ICCE/ICCAI 2000 Full & Short Papers (Methodologies).

    ERIC Educational Resources Information Center

    2000

    This document contains the full text of the following full and short papers on methodologies from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "A Methodology for Learning Pattern Analysis from Web Logs by Interpreting Web Page Contents" (Chih-Kai Chang and…

  5. Simulations of ICC Experiments by the PSI-Center

    NASA Astrophysics Data System (ADS)

    Nelson, Brian; Glasser, A. H.; Jarboe, T. R.; Kim, C. C.; Marklin, G. J.; Lowrie, W.; Meier, E. T.; Milroy, R. D.; Shumlak, U.; Sovinec, C. R.; O'Bryan, J. B.; Held, E.; Ji, J.-Y.; Lukin, V. S.

    2011-10-01

    The Plasma Science and Innovation Center (PSI-Center - http://www.psicenter.org) assists collaborating innovative confinement concept (ICC) experiments with extended MHD simulations. Collaborators include the Bellan Plasma Group (Caltech), CTH (Auburn U), FRX-L (Los Alamos National Laboratory), HIT-SI (U Wash - UW), LDX (M.I.T.), MST & Pegasus (U Wisc-Madison), PHD (UW), PFRC (PPPL), SSX (Swarthmore College), TCS (UW), and ZaP (UW). Modifications have been made to the NIMROD, HiFi, and PSI-Tet codes to specifically model these ICC experiments, including mesh generation/refinement, appropriate boundary conditions (external fields, insulating BCs, etc.), and kinetic and neutral particle interactions. Interfaces of these codes to the powerful 3-D visualization program, VisIt (http://www.llnl.gov/visit) have been developed and implemented. Results from these simulations, as well as an overview of the Interfacing Group status will be presented.

  6. Knockdown of Sall4 inhibits intrahepatic cholangiocarcinoma cell migration and invasion in ICC-9810 cells

    PubMed Central

    Zhu, Lei; Huang, Feizhou; Deng, Gang; Nie, Wanpin; Huang, Wei; Xu, Hongbo; Zheng, Shaopeng; Yi, Zhongjie; Wan, Tao

    2016-01-01

    In spite of improvements in surgical technology, the resectability and curability of intrahepatic cholangiocarcinoma (ICC) are still low. Our previous study showed that the strong Sal-like protein 4 (Sall4)-positive cases had shorter overall survival compared to Sall4-negative cases, indicating an oncogenic role of Sall4 in ICC. In this study, we aimed to explore the precise mechanism of Sall4 on ICC cell invasion and metastasis. We evaluated the expression of Sall4, PTEN, and Bmi-1 in 28 cases of adjacent tissues and 175 cases of ICC tissues by using immunohistochemical staining. We found that the expression of Sall4 and Bmi-1 was significantly increased in ICC tissues compared with the adjacent tissues, while PTEN expression was reduced in ICC tissues compared with the adjacent tissues, and there was a reverse relationship between Sall4 and PTEN in ICC, whereas there was a positive correlation in Sall4 and Bmi-1 expression in ICC. In addition, overall survival analysis showed that ICC patients with low PTEN exhibited a worse prognosis than ICC patients with high PTEN, and lower Bmi-1 expression showed a better prognosis than ICC patients with high Bmi-1. By a battery of experiments in vitro, we demonstrated that Sall4 promotes ICC cell proliferation, and progression of ICC might be through PTEN/PI3K/Akt and Bmi-1/Wnt/β-catenin signaling and enhancing epithelial–mesenchymal transition process. Thus, Sall4 may be a potential target for the treatment of ICC metastasis. PMID:27601921

  7. Knockdown of Sall4 inhibits intrahepatic cholangiocarcinoma cell migration and invasion in ICC-9810 cells.

    PubMed

    Zhu, Lei; Huang, Feizhou; Deng, Gang; Nie, Wanpin; Huang, Wei; Xu, Hongbo; Zheng, Shaopeng; Yi, Zhongjie; Wan, Tao

    2016-01-01

    In spite of improvements in surgical technology, the resectability and curability of intrahepatic cholangiocarcinoma (ICC) are still low. Our previous study showed that the strong Sal-like protein 4 (Sall4)-positive cases had shorter overall survival compared to Sall4-negative cases, indicating an oncogenic role of Sall4 in ICC. In this study, we aimed to explore the precise mechanism of Sall4 on ICC cell invasion and metastasis. We evaluated the expression of Sall4, PTEN, and Bmi-1 in 28 cases of adjacent tissues and 175 cases of ICC tissues by using immunohistochemical staining. We found that the expression of Sall4 and Bmi-1 was significantly increased in ICC tissues compared with the adjacent tissues, while PTEN expression was reduced in ICC tissues compared with the adjacent tissues, and there was a reverse relationship between Sall4 and PTEN in ICC, whereas there was a positive correlation in Sall4 and Bmi-1 expression in ICC. In addition, overall survival analysis showed that ICC patients with low PTEN exhibited a worse prognosis than ICC patients with high PTEN, and lower Bmi-1 expression showed a better prognosis than ICC patients with high Bmi-1. By a battery of experiments in vitro, we demonstrated that Sall4 promotes ICC cell proliferation, and progression of ICC might be through PTEN/PI3K/Akt and Bmi-1/Wnt/β-catenin signaling and enhancing epithelial-mesenchymal transition process. Thus, Sall4 may be a potential target for the treatment of ICC metastasis. PMID:27601921

  8. Quality Control, Testing and Deployment Results in NIF ICCS

    NASA Astrophysics Data System (ADS)

    Woodruff, John

    The strategy used to develop the NIF Integrated Computer Control System (ICCS) calls for incremental cycles of construction and formal test to deliver a total of 1 million lines of code. Each incremental release takes four to six months to implement specific functionality and culminates when offline tests conducted in the ICCS Integration and Test Facility verify functional, performance, and interface requirements. Tests are then repeated on line to confirm integrated operation in dedicated laser laboratories or ultimately in the NIF. Test incidents along with other change requests are recorded and tracked to closure by the software change control board (SCCB). Annual independent audits advise management on software process improvements. Extensive experience has been gained by integrating controls in the prototype laser preamplifier laboratory. The control system installed in the preamplifier lab contains five of the ten planned supervisory subsystems and seven of sixteen planned front-end processors (FEPs). Beam alignment, timing, diagnosis and laser pulse amplification up to 20 joules was tested through an automated series of shots. Other laboratories have provided integrated testing of six additional FEPs. Process measurements including earned-value, product size, and defect densities provide software project controls and generate confidence that the control system will be successfully deployed.

  9. Functions of ICC-like cells in the urinary tract and male genital organs

    PubMed Central

    Hashitani, Hikaru; Lang, Richard J

    2010-01-01

    Abstract Interstitial cells of Cajal (ICC)-like cells (ICC-LCs) have been identified in many regions of the urinary tract and male genital organs by immunohistochemical studies and electron microscopy. ICC-LCs are characterized by their spontaneous electrical and Ca2+ signalling and the cellular mechanisms of their generation have been extensively investigated. Spontaneous activity in ICC-LCs rises from the release of internally stored Ca2+ and the opening of Ca2+-activated Cl− channels to generate spontaneous transient depolarizations (STDs) in a manner not fundamentally dependent on Ca2+ influx through L-type voltage-dependent Ca2+ channels. Since urogenital ICC-LCs have been identified by their immunoreactivity to Kit (CD117) antibodies, the often-used specific marker for ICC in the gastrointestinal tract, their functions have been thought likely to be similar. Thus ICC-LCs in the urogenital tract might be expected to act as either electrical pacemaker cells to drive the smooth muscle wall or as intermediaries in neuromuscular transmission. However, present knowledge of the functions of ICC-LCs suggests that their functions are not so predetermined, that their functions may be very region specific, particularly under pathological conditions. In this review, we summarize recent advances in our understanding of the location and function of ICC-LCs in various organs of the urogenital system. We also discuss several unsolved issues regarding the identification, properties and functions of ICC-LCs in various urogenital regions in health and disease. PMID:20184664

  10. Hurdles in tissue engineering/regenerative medicine product commercialization: a pilot survey of governmental funding agencies and the financial industry.

    PubMed

    Bertram, Timothy A; Tentoff, Edward; Johnson, Peter C; Tawil, Bill; Van Dyke, Mark; Hellman, Kiki B

    2012-11-01

    The Tissue Engineering and Regenerative Medicine International Society of the Americas (TERMIS-AM) Industry Committee conducted a semiquantitative opinion survey in 2010 to delineate potential hurdles to commercialization perceived by the TERMIS constituency groups that participate in the stream of technology commercialization (academia, start-up companies, development-stage companies, and established companies). A significant hurdle identified consistently by each group was access to capital for advancing potential technologies into development pathways leading to commercialization. A follow-on survey was developed by the TERMIS-AM Industry Committee to evaluate the financial industry's perspectives on investing in regenerative medical technologies. The survey, composed of 15 questions, was developed and provided to 37 investment organizations in one of three sectors (governmental, private, and public investors). The survey was anonymous and confidential with sector designation the only identifying feature of each respondent's organization. Approximately 80% of the survey was composed of respondents from the public (n=14) and private (n=15) sectors. Each respondent represents one investment organization with the potential of multiple participants participating to form the organization's response. The remaining organizations represented governmental agencies (n=8). Results from this survey indicate that a high percentage (<60%) of respondents (governmental, private, and public) were willing to invest >$2MM into regenerative medical companies at the different stages of a company's life cycle. Investors recognized major hurdles to this emerging industry, including regulatory pathway, clinical translation, and reimbursement of these new products. Investments in regenerative technologies have been cyclical over the past 10-15 years, but investors recognized a 1-5-year investment period before the exit via Merger and Acquisition (M&A). Investors considered

  11. Visualization of the Interstitial Cells of Cajal (ICC) Network in Mice

    PubMed Central

    Chen, Yu; Shamu, Tambudzai; Chen, Hui; Besmer, Peter; Sawyers, Charles L.; Chi, Ping

    2011-01-01

    The interstitial cells of Cajal (ICC) are mesenchymal derived "pacemaker cells" of the gastrointestinal (GI) tract that generate spontaneous slow waves required for peristalsis and mediate neuronal input from the enteric nervous system1. Different subtypes of ICC form distinct networks in the muscularis of the GI tract 2,3. Loss or injury to these networks is associated with a number of motility disorders4. ICC cells express the KIT receptor tyrosine kinase on the plasma membrane and KIT immunostaining has been used for the past 15 years to label the ICC network5,6. Importantly, normal KIT activity is required for ICC development5,6. Neoplastic transformation of ICC cells results in gastrointestinal stromal tumor (GIST), that frequently harbor gain-of-function KIT mutations7,8. We recently showed that ETV1 is a lineage-specific survival factor expressed in the ICC/GIST lineage and is a master transcriptional regulator required for both normal ICC network formation and for of GIST tumorigenesis9. We further demonstrate that it cooperates with activating KIT mutations in tumorigenesis. Here, we describe methods for visualization of ICC networks in mice, largely based on previously published protocols10,11. More recently, the chloride channel anoctamin 1 (ANO1) has also been characterized as a specific membrane marker of ICC11,12. Because of their plasma membrane localization, immunofluorescence of both proteins can be used to visualize the ICC networks. Here, we describe visualization of the ICC networks by fixed-frozen cyrosections and whole mount preparations. PMID:21841758

  12. 15 CFR 801.12 - Rules and regulations for the BE-180, Benchmark Survey of Financial Services Transactions between...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...; other financial investment activities (including miscellaneous intermediation, portfolio management... other financial vehicles); and holding companies that own, or influence the management decisions of... services; underwriting and private placement services; financial management services;...

  13. 15 CFR 801.12 - Rules and regulations for the BE-180, Benchmark Survey of Financial Services Transactions between...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ...; other financial investment activities (including miscellaneous intermediation, portfolio management... other financial vehicles); and holding companies that own, or influence the management decisions of... services; underwriting and private placement services; financial management services;...

  14. Progress in digital color workflow understanding in the International Color Consortium (ICC) Workflow WG

    NASA Astrophysics Data System (ADS)

    McCarthy, Ann

    2006-01-01

    The ICC Workflow WG serves as the bridge between ICC color management technologies and use of those technologies in real world color production applications. ICC color management is applicable to and is used in a wide range of color systems, from highly specialized digital cinema color special effects to high volume publications printing to home photography. The ICC Workflow WG works to align ICC technologies so that the color management needs of these diverse use case systems are addressed in an open, platform independent manner. This report provides a high level summary of the ICC Workflow WG objectives and work to date, focusing on the ways in which workflow can impact image quality and color systems performance. The 'ICC Workflow Primitives' and 'ICC Workflow Patterns and Dimensions' workflow models are covered in some detail. Consider the questions, "How much of dissatisfaction with color management today is the result of 'the wrong color transformation at the wrong time' and 'I can't get to the right conversion at the right point in my work process'?" Put another way, consider how image quality through a workflow can be negatively affected when the coordination and control level of the color management system is not sufficient.

  15. ICCS 2009 User Guide for the International Database. Supplement 2: National Adaptations of International Questionnaires

    ERIC Educational Resources Information Center

    Brese, Falk; Jung, Michael; Mirazchiyski, Plamen; Schulz, Wolfram; Zuehlke, Olaf

    2011-01-01

    This supplement describes national adaptations made to the international version of the International Civic and Citizenship Education Study (ICCS) 2009 questionnaires. This information provides users with a guide to evaluate the availability of internationally comparable data for use in secondary analyses involving the ICCS 2009 questionnaire…

  16. Access to healthcare and financial risk protection for older adults in Mexico: secondary data analysis of a national survey

    PubMed Central

    Doubova, Svetlana V; Pérez-Cuevas, Ricardo; Canning, David; Reich, Michael R

    2015-01-01

    Objectives While the benefits of Seguro Popular health insurance in Mexico relative to no insurance have been widely documented, little has been reported on its effects relative to the pre-existing Social Security health insurance. We analyse the effects of Social Security and Seguro Popular health insurances in Mexico on access to healthcare of older adults, and on financial risk protection to their households, compared with older adults without health insurance. Setting Secondary data analysis was performed using the 2012 Mexican Survey of Health and Nutrition (ENSANUT). Participants The study population comprised 18 847 older adults and 13 180 households that have an elderly member. Outcome measures The dependent variables were access to healthcare given the reported need, the financial burden imposed by health expenditures measured through catastrophic health-related expenditures, and using savings for health-related expenditures. Separate propensity score matching analyses were conducted for each comparison. The analysis for access was performed at the individual level, and the analysis for financial burden at the household level. In each case, matching on a wide set of relevant characteristics was achieved. Results Seguro Popular showed a protective effect against lack of access to healthcare for older adults compared with those with no insurance. The average treatment effect on the treated (ATET) was ascertained through using the nearest-neighbour matching (−8.1%, t-stat −2.305) analysis. However, Seguro Popular did not show a protective effect against catastrophic expenditures in a household where an older adult lived. Social Security showed increased access to healthcare (ATET −11.3%, t-stat −3.138), and protective effect against catastrophic expenditures for households with an elderly member (ATET −1.9%, t-stat −2.178). Conclusions Seguro Popular increased access to healthcare for Mexican older adults. Social Security showed a significant

  17. 77 FR 27021 - Proposed Information Collection; Comment Request; Quarterly Survey of Financial Services...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-08

    ... Bureau of Economic Analysis Proposed Information Collection; Comment Request; Quarterly Survey of... of Economic Analysis, Commerce. ACTION: Notice. SUMMARY: The Department of Commerce, as part of its..., (BE-50), Bureau of Economic Analysis, U.S. Department of Commerce, Washington, DC 20230; phone:...

  18. A survey. Financial accounting and internal control functions pursued by hospital boards.

    PubMed

    Gavin, T A

    1984-09-01

    Justification for a board committee's existence is its ability to devote time to issues judged to be important by the full board. This seems to have happened. Multiple committees pursue more functions than the other committee structures. Boards lacking an FA/IC committee pursue significantly fewer functions than their counterparts with committees. Substantial respondent agreement exists on those functions most and least frequently pursued, those perceived to be most and least important, and those perceived to be most and least effectively undertaken. Distinctions between committee structures and the full board, noted in the previous paragraph, hold true with respect to the importance of functions. All board structures identified reviewing the budget and comparing it to actual results as important. Committee structures are generally more inclined to address functions related to the work of the independent auditor and the effectiveness of the hospital's system and controls than are full board structures. Functions related to the internal auditor are pursued least frequently by all FA/IC board structures. The following suggestions are made to help boards pay adequate attention to and obtain objective information about the financial affairs of their hospitals. Those boards that do not have some form of an FA/IC committee should consider starting one. Evidence shows chief financial officers have been a moving force in establishing and strengthening such committees. Boards having a joint or single committee structure should consider upgrading their structure to either a single committee or multiple committees respectively. The complexity of the healthcare environment requires that more FA/IC functions be addressed by the board. The board or its FA/IC committee(s) should meet with their independent CPA's, fiscal intermediary auditors, and internal auditors. Where the hospital lacks an internal audit function a study should be undertaken to determine the feasibility of

  19. The Vital Role of Administrative Cost Allowances to Student Financial Aid Offices: Key Findings from NASFAA's Administrative Cost Allowance Survey, July 2011

    ERIC Educational Resources Information Center

    National Association of Student Financial Aid Administrators (NJ1), 2011

    2011-01-01

    The National Association of Student Financial Aid Administrators (NASFAA) recently conducted a survey on the 2009-10 award year Administrative Cost Allowances (ACA), which are funds used by colleges and universities to support operations and professional development. Specifically, ACA is often used in essential areas that support the day-to-day…

  20. Financial Disaster as a Risk Factor for Posttraumatic Stress Disorder: Internet Survey of Trauma in Victims of the Madoff Ponzi Scheme

    ERIC Educational Resources Information Center

    Freshman, Audrey

    2012-01-01

    There are no known studies to date examining the risk of posttraumatic stress disorder (PTSD) associated with sudden and dramatic personal financial loss. A Web-based, online, nonprobability convenience survey of 172 Madoff victims (56 percent female; mean age, 60.9 years) using the Posttraumatic Stress List Checklist, civilian version was…

  1. 40 CFR 180.1293 - Trichoderma gamsii strain ICC 080; exemption from the requirement of a tolerance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 40 Protection of Environment 23 2010-07-01 2010-07-01 false Trichoderma gamsii strain ICC 080... RESIDUES IN FOOD Exemptions From Tolerances § 180.1293 Trichoderma gamsii strain ICC 080; exemption from the requirement of a tolerance. Trichoderma gamsii strain ICC 080 is exempted from the requirement...

  2. 40 CFR 180.1294 - Trichoderma asperellum strain ICC 012; exemption from the requirement of a tolerance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 40 Protection of Environment 23 2010-07-01 2010-07-01 false Trichoderma asperellum strain ICC 012... RESIDUES IN FOOD Exemptions From Tolerances § 180.1294 Trichoderma asperellum strain ICC 012; exemption from the requirement of a tolerance. Trichoderma asperellum strain ICC 012 is exempted from...

  3. Are Health Facility Management Committees in Kenya ready to implement financial management tasks: findings from a nationally representative survey

    PubMed Central

    2013-01-01

    Background Community participation in peripheral public health facilities has in many countries focused on including community representatives in Health Facility Management Committees (HFMCs). In Kenya, HFMC roles are being expanded with the phased implementation of the Health Sector Services Fund (HSSF). Under HSSF, HFMCs manage facility funds which are dispersed directly from central level into facility bank accounts. We assessed how prepared HFMCs were to undertake this new role in advance of HSSF roll out, and considered the implications for Kenya and other similar settings. Methods Data were collected through a nationally representative sample of 248 public health centres and dispensaries in 24 districts in 2010. Data collection included surveys with in-charges (n = 248), HFMC members (n = 464) and facility users (n = 698), and record reviews. These data were supplemented by semi-structured interviews with district health managers in each district. Results Some findings supported preparedness of HFMCs to take on their new roles. Most facilities had bank accounts and HFMCs which met regularly. HFMC members and in-charges generally reported positive relationships, and HFMC members expressed high levels of motivation and job satisfaction. Challenges included users’ low awareness of HFMCs, lack of training and clarity in roles among HFMCs, and some indications of strained relations with in-charges. Such challenges are likely to be common to many similar settings, and are therefore important considerations for any health facility based initiatives involving HFMCs. Conclusion Most HFMCs have the basic requirements to operate. However to manage their own budgets effectively and meet their allocated roles in HSSF implementation, greater emphasis is needed on financial management training, targeted supportive supervision, and greater community awareness and participation. Once new budget management roles are fully established, qualitative and quantitative

  4. 15 CFR 801.11 - Rules and regulations for the BE-80, Benchmark Survey of Financial Services Transactions Between...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., portfolio management, investment advice, and all other financial investment activities); insurance carriers... trusts, and other financial vehicles); and holding companies that own, or influence the management... management services; credit-related services, except credit card services; credit card services;...

  5. National survey on cholecystectomy related bile duct injury--public health and financial aspects in Belgian hospitals--1997.

    PubMed

    Van de Sande, St; Bossens, M; Parmentier, Y; Gigot, J F

    2003-04-01

    Public health and financial aspects of cholecystectomy related bile duct injury (BDI) are highlighted in a National Cholecystectomy Survey carried out through 'datamining' the Federal State Medical Records Summaries and Financial Summaries of all Belgian hospitals in 1997. All cancer diagnoses, children < or = 10 years, cholecystectomies performed as an abdominal co-procedure or patients having undergone other non-related surgery were excluded from the study. 10.595 laparoscopic (LC) and 1.033 open cholecystectomies (OC) as well as 137 secondary BDI treatments (LC/OC) were included in the survey (total 11.765). Both LC and OC groups turned out to be significantly different as to distribution of patient's age and APR-DRG severity classes. Composite criteria in terms of ICD-9-CM and billing codes were elaborated to classify: 1) primary, intra-operatively detected and treated BDI (N = 30), 2) primary delayed BDI treatments (N = 38), 3) secondary BDI treatments (N = 137), 4) non-BDI abdomino-surgical complications (N = 119), 4) uneventful laparoscopic (N = 7.476) and 5) uneventful open cholecystectomy (N = 681). Complication rates, community costs of LC and OC groups, incidence of preoperative ERCP and/or intra-operative cholangiography as well as interventions for complications were studied. Incidence of cholecystectomy related BDI was 0.37% in LC, 2.81% in OC and 0.58% overall. Average costs amounted to [symbol: see text] 1.721 for uneventful LC, [symbol: see text] 2.924 for uneventful OC, [symbol: see text] 7.250 for primary, intra-operatively detected and immediately treated BDI [symbol: see text] 9.258 for primary delayed BDI treatments, [symbol: see text] 6.076 for secondary BDI treatments and [symbol: see text] 10.363 for non-BDI abdomino-surgical complications. In conclusion BDI with cholecystectomy reveals to be a serious complication increasing the overall average cost factor ninefold if not detected intra-operatively, in which case the raise is only fourfold

  6. Social capital and under-utilization of medication for financial reasons among elderly women: evidence from two Brazilian health surveys.

    PubMed

    Luz, Tatiana Chama Borges; de Loyola Filho, Antônio Ignácio; Lima-Costa, Maria Fernanda

    2013-12-01

    This cross-sectional study assesses the prevalence and examines the role of social and demographic factors, health conditions, health system characteristics and contextual factors of under-utilization of medication for financial reasons among elderly women. Participants in the Greater Metropolitan Belo Horizonte Health Survey (GMBH) and the eleventh phase of the Bambuí Cohort Study of the Elderly were assessed. Among elderly women in the GMBH, the prevalence of under-utilization was 11.4%, and in Bambuí, the rate was 5.4%. Self-perception of health (OR, 3.46; 95%CI, 1.32_9.10); daily life limitations (OR, 2.75; 95% CI, 1.31-5.78) and perception of help (OR, 2.36; 95% CI, 1.07-5.25) had independent associations with under-utilization among GMBH residents. A poor perception of both cohesion in the neighborhood (OR, 2.38; 95% CI, 1.02-5.56) and the physical environment (OR, 2.58; 95% CI, 1.10-6.03) significantly increased the likelihood of under-utilization among Bambuí residents. These results provide important clues to identifying possible risk factors for under-utilization, highlighting the need to develop strategies targeting the amplification of the involvement between elderly women and their community to reduce the extent of under-utilization in later life. PMID:24263888

  7. A CRT monitor ICC profile based on matrix-look-up-table model

    NASA Astrophysics Data System (ADS)

    Shao, Yuba; Liao, Ningfang; Chai, Binghua; Yang, Weiping

    2006-01-01

    The goal of ICC (International color consortium) color management system (CMS) is to reproduce color fidelity regardless of the hardware or platform used to capture, view or print them. The accuracy of profiles decides the precision of color conversion; therefore, creating device profiles accurately is very essential for color management. In this paper, according to the ICC standard format, we used Matrix-LUT (look up table) model, which can increase the color conversion precision to create monitor profile. In laboratory environment, we used X-Rite DPT92 to calibrate the monitor, and then we made about 1000 color patches and measured the RGB and the corresponding XYZ of each patch. We adopted linear interpolation method to establish the LUT between RGB and XYZ. The experimental results are good, and then we finished the monitor profile by the ICC format, realized CRT monitor color management.

  8. ICCE/ICCAI 2000 Full & Short Papers (System Design and Development).

    ERIC Educational Resources Information Center

    2000

    This document contains the full and short papers on system design and development from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction) covering the following topics: a code restructuring tool to help scaffold novice programmers; a framework for Internet-based…

  9. ICCE/ICCAI 2000 Full & Short Papers (Multimedia and Hypermedia in Education).

    ERIC Educational Resources Information Center

    2000

    This document contains the full and short papers on multimedia and hypermedia in education from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction) covering the following topics: learner-centered navigation path planning in world Wide Web-based learning; the relation…

  10. An International Perspective on Civic Participation in Irish Post-Primary Schools: Results from ICCS

    ERIC Educational Resources Information Center

    Cosgrove, Jude; Gilleece, Lorraine

    2012-01-01

    Ireland was one of the 38 countries/education systems that participated in the International Civic and Citizenship Education Study (ICCS) in 2009. This is the first international comparative study in this area in which Ireland has participated since 1971. The study measured the civic knowledge of 14-year-olds and their attitudes towards, and…

  11. ICCE/ICCAI 2000 Full & Short Papers (Evaluation of Learning and Systems).

    ERIC Educational Resources Information Center

    2000

    This document contains the full and short papers on evaluation of learning and systems from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction) covering the following topics: a new method for efficient study of Kanji using mnemonics and software; a study on the relation…

  12. ICCE/ICCAI 2000 Full & Short Papers (Knowledge Construction and Navigation).

    ERIC Educational Resources Information Center

    2000

    This document contains the following full and short papers on knowledge construction and navigation from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "An XML-Based Tool for Building and Using Conceptual Maps in Education and Training Environments" (Juan-Diego…

  13. ICCE/ICCAI 2000 Full & Short Papers (Virtual Lab/Classroom/School).

    ERIC Educational Resources Information Center

    2000

    This document contains the following full and short papers on virtual laboratories, classrooms, and schools from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "A Collaborative Learning Support System Based on Virtual Environment Server for Multiple Agents"…

  14. Examining Gender Differences in Attitudes toward Interactive Classroom Communications Systems (ICCS)

    ERIC Educational Resources Information Center

    Kay, Robin H.

    2009-01-01

    An interactive classroom communication system (ICCS) involves the use of remote devices that permit all students in a class to respond to multiple choice questions displayed on a LCD projector. After responses are clicked in, the results are instantly aggregated and displayed in chart form. The purpose of this study was to examine gender…

  15. ICCE/ICCAI 2000 Full & Short Papers (Cognition and Conceptual Change).

    ERIC Educational Resources Information Center

    2000

    This document contains the following full and short papers on cognition and conceptual change from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "A Method of Creating Counterexamples by Using Error-Based Simulation" (Tomoya Horiguchi and Tsukasa Hirashima); (2)…

  16. ICCE/ICCAI 2000 Full & Short Papers (Teaching and Learning Processes).

    ERIC Educational Resources Information Center

    2000

    This document contains the full and short papers on teaching and learning processes from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction) covering the following topics: a code restructuring tool to help scaffold novice programmers; efficient study of Kanji using…

  17. ICCE/ICCAI 2000 Full & Short Papers (Policies, Ethics, Standards, and Legal Issues).

    ERIC Educational Resources Information Center

    2000

    This document contains the following full and short papers on policies, ethics, standards, and legal issues from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "A Study on the School Information Technology Pilot Scheme: Possibilities of Creative and Lifelong…

  18. ICCE/ICCAI 2000 Full & Short Papers (Computer-Assisted Language Learning).

    ERIC Educational Resources Information Center

    2000

    This document contains the following full and short papers on computer-assisted language learning (CALL) from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "A Computer-Assisted English Abstract Words Learning Environment on the Web" (Wenli Tsou and others); (2)…

  19. ICCE/ICCAI 2000 Full & Short Papers (Web-Based Learning).

    ERIC Educational Resources Information Center

    2000

    This document contains full and short papers on World Wide Web-based learning from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction). Topics covered include: design and development of CAL (Computer Assisted Learning) systems; design and development of WBI (Web-Based…

  20. ICCE/ICCAI 2000 Full & Short Papers (Virtual Reality in Education).

    ERIC Educational Resources Information Center

    2000

    This document contains the full text of the following full and short papers on virtual reality in education from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "A CAL System for Appreciation of 3D Shapes by Surface Development (C3D-SD)" (Stephen C. F. Chan, Andy…

  1. ICCE/ICCAI 2000 Full & Short Papers (Humanities and Learning Technology).

    ERIC Educational Resources Information Center

    2000

    This document contains the following full and short papers on humanities and learning technology from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction): (1) "A Web-Based EFL Writing Environment: Integrating Information for Learners, Teachers, and Researchers" (David…

  2. ICCE/ICCAI 2000 Full & Short Papers (Artificial Intelligence in Education).

    ERIC Educational Resources Information Center

    2000

    This document contains the full and short papers on artificial intelligence in education from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction) covering the following topics: a computational model for learners' motivation states in individualized tutoring system; a…

  3. ICCS 2009 European Report: Civic Knowledge, Attitudes, and Engagement among Lower-Secondary Students in 24 European Countries

    ERIC Educational Resources Information Center

    Kerr, David; Sturman, Linda; Schulz, Wolfram; Burge, Bethan

    2010-01-01

    The International Civic and Citizenship Education Study (ICCS) studied the ways in which countries prepare their young people to undertake their roles as citizens. ICCS was based on the premise that preparing students for citizenship involves helping them develop relevant knowledge and understanding and form positive attitudes toward being a…

  4. ICCS 2009 Asian Report: Civic Knowledge and Attitudes among Lower-Secondary Students in Five Asian Countries

    ERIC Educational Resources Information Center

    Fraillon, Julian; Schulz, Wolfram; Ainley, John

    2012-01-01

    This report presents findings from the Asian regional module of the International Civic and Citizenship Education Study (ICCS), sponsored by the International Association for the Evaluation of Educational Achievement (IEA). ICCS studied the ways in which young people in lower-secondary schools are prepared to undertake their roles as citizens.…

  5. ICCS 2009 International Report: Civic Knowledge, Attitudes, and Engagement among Lower-Secondary School Students in 38 Countries

    ERIC Educational Resources Information Center

    Schulz, Wolfram; Ainley, John; Fraillon, Julian; Kerr, David; Losito, Bruno

    2010-01-01

    The International Civic and Citizenship Education Study (ICCS) studied the ways in which countries prepare their young people to undertake their roles as citizens. ICCS was based on the premise that preparing students for citizenship roles involves helping them develop relevant knowledge and understanding and form positive attitudes toward being a…

  6. Effect of Non Financial Incentives on Job Satisfaction of Teachers in Public Secondary Schools--Survey of Kisii Sub County

    ERIC Educational Resources Information Center

    Sabina, Asiago Lenah; Okibo, Walter; Nyang'au, Andrew; Ondima, Cleophas

    2015-01-01

    Job satisfaction is a major challenge among employees in many organizations. The purpose of this research project is to assess the effect of non-financial incentives on job satisfaction of teachers in public secondary schools of Kisii Sub County in the Republic of Kenya. The specific objectives for the study include: to assess the effect of…

  7. Financial Exploitation and Psychological Mistreatment Among Older Adults: Differences Between African Americans and Non-African Americans in a Population-Based Survey

    PubMed Central

    Beach, Scott R.; Schulz, Richard; Castle, Nicholas G.; Rosen, Jules

    2010-01-01

    Purpose: To examine racial differences in (a) the prevalence of financial exploitation and psychological mistreatment since turning 60 and in the past 6 months and (b) the experience—perpetrator, frequency, and degree of upset—of psychological mistreatment in the past 6 months. Design and methods: Random digit dial telephone recruitment and population-based survey (telephone and in-person) of 903 adults aged 60 years and older in Allegheny County (Pittsburgh), Pennsylvania (693 non-African American and 210 African American). Covariates included sex, age, education, marital status, household composition, cognitive function, instrumental activities of daily living/activities of daily living difficulties, and depression symptoms. Results: Prevalence rates were significantly higher for African Americans than for non-African Americans for financial exploitation since turning 60 (23.0% vs. 8.4%) and in the past 6 months (12.9% vs. 2.4%) and for psychological mistreatment since turning 60 (24.4% vs. 13.2%) and in the past 6 months (16.1% vs. 7.2%). These differences remained once all covariates were controlled in logistic regression models. There were also racial differences in the experience of psychological mistreatment in the past 6 months. Risk for clinical depression was also a consistent predictor of financial exploitation and psychological mistreatment. Implications: Although the results will need to be replicated in national surveys, the study suggests that racial differences in elder mistreatment are a potentially serious issue deserving of continued attention from researchers, health providers, and social service professionals. PMID:20650947

  8. 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

    PubMed Central

    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

  9. Coherent Power Analysis in Multi-Level Studies Using Design Parameters from Surveys

    ERIC Educational Resources Information Center

    Rhoads, Christopher

    2016-01-01

    Current practice for conducting power analyses in hierarchical trials using survey based ICC and effect size estimates may be misestimating power because ICCs are not being adjusted to account for treatment effect heterogeneity. Results presented in Table 1 show that the necessary adjustments can be quite large or quite small. Furthermore, power…

  10. [The financial costs of health care: a follow-up survey of women having a high-risk delivery].

    PubMed

    Sondo, B; Testa, J; Kone, B

    1997-01-01

    Our aim was to analyze the financial costs of health care for women in labor transferred to primary referral maternity units in childbirth at risk. Another aim was to consider the willingness of women and their husbands to financially save and support the increasing costs of health care. For 15 consecutive days, medical students interviewed all women transferred for a risky delivery in 12 of the 17 primary referral maternity units in Burkina Faso. The median cost for transferring the women and their necessary health care was approximately 30,500 CFA. The median cost for the kit of surgical supplies was 15,000 CFA; the costs of medicine and transportation fare for the woman and her husband were 14,000 CFA and 9,800 CFA, respectively. The median cost for the health care of the newborn was 2,400 CFA. When the decision for the transfer was made, the necessary money to pay for the expenses was available for only 40 out of 79 women. Women and their husbands were willing to save for health care either through existing community institutions such as groups of villagers and popular savings developments (69 women and men); or through annuity schemes to be created (33 women and men); or through banks (4 women and men). Four women and 6 men refused to contribute because of previous experiences of poor management of collective funds. The average savings were low and insufficient to cover the expected expenses for the transfer and care of the women. The savings were reserved for payment of the transportation fare for the women and their husbands to the referral units (21 women and 20 men), prescriptions (9 women and 5 men), the medical consultation (1 woman), and to provide for both (37 women and 39 men). The costs of health care are expensive. The poverty of the couple facing an urgent problem of life or death made them discover new options for investing in their available community associations such as groups of villagers and popular savings developments and other options such

  11. Documentation for the NCES Common Core of Data National Public Education Financial Survey (NPEFS), School Year 2008-09 (Fiscal Year 2009). Revised File Version 1b. NCES 2011-330rev

    ERIC Educational Resources Information Center

    Cornman, Stephen Q.; Zhou, Lei; Nakamoto, Nanae

    2012-01-01

    This documentation is for the revised file (Version 1b) of the National Center for Education Statistics' (NCES) Common Core of Data (CCD) National Public Education Financial Survey (NPEFS) for school year 2008-2009, fiscal year 2009 (FY 09). It contains a brief description of the data collection along with information required to understand and…

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

    ERIC Educational Resources Information Center

    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…

  13. Develop and test an Internally Cooled, Cabled Superconductor (ICCS) for large scale MHD magnets

    NASA Astrophysics Data System (ADS)

    Marston, P. G.; Hale, J. R.; Dawson, A. M.

    1990-04-01

    The work included four principal tasks: (1) development of a design requirements definition for a retrofit MHD magnet system; (2) analysis of an internally cooled, cabled superconductor (ICCS) to use in that design; (3) design of an experiment to test a subscale version of that conductor, which is a NbTi, copper stabilized superconductor; and (4) proof-of-concept testing of the conductor. The program was carried forth through the third task with very successful development and test of a conventional ICCS conductor with 27 multifilamentary copper-superconductor composite strands and a new concept conductor in which, in each triplet, two strands were pure copper and the third strand was a multifilamentary composite. In reviewing the magnet design and the premises for the conductor design it became obvious that an extra barrier might be highly effective in enhancing magnet stability and protection. This concept was developed and a sample conductor manufactured and tested in comparison with an identical conductor lacking such an additional barrier. Results of these conductor tests confirm the potential value of such a barrier. Since the work of tasks 1 through 3 has been reported in detail in quarterly and semiannual reports, as well as in special reports prepared throughout the course of this project, this report reviews early work briefly and then discusses this last phase in great detail.

  14. The Status of University Financial Reporting.

    ERIC Educational Resources Information Center

    Fritzemeyer, Joe R.; And Others

    1982-01-01

    The status of university financial reporting was surveyed as an update of a 1976 survey. Of the 100 financial reports analyzed in 1976, 87 were available in 1980, and 39 additional private college reports were assessed. In addition to comparing 16 financial reporting standards used in reports between 1976 and 1980, public and private university…

  15. Financial Aid.

    ERIC Educational Resources Information Center

    Graves, Mary A.

    This workbook assists college and vocational school bound American Indian students in determining their financial needs and in locating sources of financial aid. A checklist helps students assess the state of their knowledge of financial programs; a glossary defines terms pertinent to the realm of financial aid (i.e., graduate study programs,…

  16. Impact of gender and professional education on attitudes towards financial incentives for organ donation: results of a survey among 755 students of medicine and economics in Germany

    PubMed Central

    2014-01-01

    Background There is an ongoing expert debate with regard to financial incentives in order to increase organ supply. However, there is a lacuna of empirical studies on whether citizens would actually support financial incentives for organ donation. Methods Between October 2008 and February 2009 a quantitative survey was conducted among German students of medicine and economics to gain insights into their point of view regarding living and deceased organ donation and different forms of commercialization (n = 755). Results The average (passive) willingness to donate is 63.5% among medical students and 50.0% among students of economics (p = 0.001), while only 24.1% of the respondents were actually holding an organ donor card. 11.3% of students of economics had signed a donor card, however, the number is significantly higher among students of medicine (31.9%, p < 0.001). Women held donor cards significantly more often (28.6%) than men (19.4%, p = 0.004). The majority of students were against direct payments as incentives for deceased and living donations. Nevertheless, 37.5% of the respondents support the idea that the funeral expenses of deceased organ donors should be covered. Women voted significantly less often for the coverage of expenses than men (women 31.6%, men 44.0%, p = 0.003). The number of those in favor of allowing to sell one’s organs for money (living organ donation) was highest among students of economics (p = 0.034). Conclusion Despite a generally positive view on organ donation the respondents refuse to consent to commercialization, but are in favor of removing disincentives or are in favor of indirect models of reward. PMID:24996438

  17. Public acceptability of financial incentives for smoking cessation in pregnancy and breast feeding: a survey of the British public

    PubMed Central

    Hoddinott, Pat; Morgan, Heather; MacLennan, Graeme; Sewel, Kate; Thomson, Gill; Bauld, Linda; Yi, Deokhee; Ludbrook, Anne; Campbell, Marion K

    2014-01-01

    Objective To survey public attitudes about incentives for smoking cessation in pregnancy and for breast feeding to inform trial design. Design Cross-sectional survey. Setting and participants British general public. Methods Seven promising incentive strategies had been identified from evidence syntheses and qualitative interview data from service users and providers. These were shopping vouchers for: (1) validated smoking cessation in pregnancy and (2) after birth; (3) for a smoke-free home; (4) for proven breast feeding; (5) a free breast pump; (6) payments to health services for reaching smoking cessation in pregnancy targets and (7) breastfeeding targets. Ipsos MORI used area quota sampling and home-administered computer-assisted questionnaires, with randomised question order to assess agreement with different incentives (measured on a five-point scale). Demographic data and target behaviour experience were recorded. Analysis used multivariable ordered logit models. Results Agreement with incentives was mixed (ranging from 34% to 46%) among a representative sample of 1144 British adults. Mean agreement score was highest for a free breast pump, and lowest for incentives for smoking abstinence after birth. More women disagreed with shopping vouchers than men. Those with lower levels of education disagreed more with smoking cessation incentives and a breast pump. Those aged 44 or under agreed more with all incentive strategies compared with those aged 65 and over, particularly provider targets for smoking cessation. Non-white ethnic groups agreed particularly with breastfeeding incentives. Current smokers with previous stop attempts and respondents who had breast fed children agreed with providing vouchers for the respective behaviours. Up to £40/month vouchers for behaviour change were acceptable (>85%). Conclusions Women and the less educated were more likely to disagree, but men and women of childbearing age to agree, with incentives designed for their benefit

  18. Millimeter-wave radar sensor for automotive intelligent cruise control (ICC)

    SciTech Connect

    Russell, M.E.; Crain, A.; Curran, A.; Campbell, R.A.; Drubin, C.A.; Miccioli, W.F.

    1997-12-01

    If automotive intelligent cruise-control (ICC) systems are to be successful in the marketplace, they must provide robust performance in a complex roadway environment. Inconveniences caused by reduced performance during inclement weather, interrupted performance due to dropped tracks, and annoying nuisance alarms will not be tolerated by the consumer, and would likely result in the rejection of this technology in the marketplace. An all-weather automotive millimeter-wave (MMW) radar sensor is described that uses a frequency-modulation coplanar-wave (FMCW) radar design capable of acquiring and tracking all obstacles in its field of view. Design tradeoffs are discussed and radar-sensor test results are presented along with the applicability of the radar to collision-warning systems.

  19. Financial Information Project: Assessing the Financial Interests of College Students

    ERIC Educational Resources Information Center

    Masuo, Diane M.; Kutara, Pamela; Wall, Ronald; Cheang, Michael

    2007-01-01

    College graduates are entering the world of work with record levels of school-related debt despite being generally unprepared to face the financial challenges of life after college. Findings from a needs assessment survey of financial topics of interest to college students and staff/faculty and preferences for how the information should be…

  20. Certification of Financial Aid Administrators

    ERIC Educational Resources Information Center

    Peterson, Stacey A.

    2011-01-01

    The certification of financial aid administrators has been debated for over 37 years. A job satisfaction survey conducted by the National Association of Student Financial Aid Administrators (NASFAA, 2008a) revealed that college and university administrators' perceptions of the efficiency, effectiveness, and quality of the services provided by the…

  1. ICCS 2009 Latin American Report: Civic Knowledge and Attitudes among Lower-Secondary Students in Six Latin American Countries

    ERIC Educational Resources Information Center

    Schulz, Wolfram; Ainley, John; Friedman, Tim; Lietz, Petra

    2011-01-01

    The International Civic and Citizenship Education Study (ICCS) focused on the ways in which young people are prepared to undertake their roles as citizens. Preparing students for citizenship involves developing relevant knowledge and understanding as well as encouraging the formation of positive attitudes toward being a citizen. Descriptions of…

  2. Integrating the Intercultural Communicative Competence (ICC) in a Foreign Language Program: Faculty Considerations upon Leaving the Haven of Native Speakership

    ERIC Educational Resources Information Center

    Dimas, Héctor Manuel Serna

    2016-01-01

    This action research study presents the perspectives of two language faculty who integrated the principles of the Intercultural Communicative Competence (ICC) model in their teaching. The professors shared their understanding of intercultural communicative competence through a learning log. These reflections were mainly about the challenged notion…

  3. A Comparative Study of "The International Educational Technology Conference" (IETC) and "The International Conference on Computers in Education" (ICCE): The Program, Essay Distribution, the Themes, and Research Methods

    ERIC Educational Resources Information Center

    Chen, Gwo-Dong; Chen, Chun-Hsiang; Wang, Chin-Yeh; Li, Liang-Yi

    2012-01-01

    The article aims to compare international conferences, "The International Educational Technology Conference" (IETC, 2011) and "The International Conference on Computers in Education" (ICCE, 2010), from various dimensions. The comparison is expected to conclude a better approach for every IETC and ICCE to be held. (Contains 4 tables.)

  4. Develop and test an Internally Cooled, Cabled Superconductor (ICCS) for large scale MHD magnets: Analysis report

    NASA Astrophysics Data System (ADS)

    Hatch, A. M.; Marston, P. G.; Tarrh, J. M.; Becker, H.; Dawson, A. M.; Minervini, J. V.

    1986-01-01

    A three-year program to develop and test an internally-cooled cabled superconductor (ICCS) for large-scale MHD magnets is being performed by MIT for the Pittsburgh Energy Technology Center (PETC) under contract DE-AC22-84PC70512. Included in this report are electromagnetic, thermodynamic, structural, protection, and systems analyses, completed as required to substantiate the preliminary conductor design requirements definition and the associated preconceptual magnet design developed in Task 1. Copper-stabilized NbTi superconductor was selected at the outset as being most suitable for the application. The analysis necessary to substantiate the preconceptual MHD magnet design is complete, including field and force calculations, preliminary structural analysis, thermodynamic (cryogenic) analysis, and the analysis of the magnet electrical and protective systems. A significant result of the field analysis is the determination that maximum fields to which the conductor is exposed in the magnet are considerably higher than originally expected. Changes were made to produce a revised design in which the maximum field is 6.9T (53% above central field) and adequate stability is ensured. Analysis necessary to substantiate a preliminary conductor design requirement definition for full-scale conductor has been completed except that further work is required to establish maximum allowable internal flow resistance and maximum length between vents. Procedures for accomplishing these analyses have already been developed at MIT and by other contractors.

  5. Case study interpretation: Report from the ICCS Annual Meeting, Seattle, 2014.

    PubMed

    Fromm, Jonathan R; Tagliente, Damian J; Shaver, Aaron C; Neppalli, Vishala; Craig, Fiona E

    2015-01-01

    The Case Study Interpretation (CSI) cases presented at the 2014 International Clinical Cytometry Society (ICCS) meeting in Seattle illustrate the utility of state-of-the art multiparameter flow cytometry in the diagnosis of hematolymphoid neoplasms. Download the listmode files (Supporting Information) and test your analysis skills before reading the case reports, keeping in mind the following questions. How many separate abnormal mature B-cell populations can you identify, and how many of these represent different subtypes of B-cell neoplasm? How many separate abnormal mature T-cell populations can you identify, and do these represent different subtypes of T-cell neoplasm or phenotypic heterogeneity in one neoplasm? How many separate immature/blastic cell populations can you identify, and do they meet criteria for mixed phenotype leukemia? Is there a population of blasts that lacks T-cell, B-cell, and myeloid lineage defining antigens and if so, what entities should you consider and what additional antigens should you assess for? PMID:25906760

  6. Financial Literacy, Financial Education, and Economic Outcomes

    ERIC Educational Resources Information Center

    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…

  7. Effects of Electroacupuncture on Interstitial Cells of Cajal (ICC) Ultrastructure and Connexin 43 Protein Expression in the Gastrointestinal Tract of Functional Dyspepsia (FD) Rats.

    PubMed

    Zhang, Guoshan; Xie, Shen; Hu, Wei; Liu, Yuer; Liu, Mailan; Liu, Mi; Chang, Xiaorong

    2016-01-01

    BACKGROUND Gastrointestinal motility disorder is the main clinical manifestation in functional dyspepsia (FD) patients. Electroacupuncture is effective in improving gastrointestinal motility disorder in FD; however, the underlying mechanism remains unclear. It has been demonstrated that interstitial cells of Cajal (ICC) are pacemaker cells in the gastrointestinal tract, and the pacemaker potential is transmitted to nearby cells through gap junctions between ICC or ICC and the smooth muscle. Therefore, this study aimed to assess the effects of electroacupuncture on ICC ultrastructure and expression of the gap junction protein connexin 43 (Cx43) in FD rats. MATERIAL AND METHODS The animals were randomized into 3 groups: control, model, and electroacupuncture. Electroacupuncture was applied at Zusanli (ST36) in the electroacupuncture group daily for 10 days, while no electroacupuncture was applied to model group animals. RESULTS Ultrastructure of ICC recovered normally in gastric antrum and small intestine specimens was improved, with Cx43 expression levels in these tissues significantly increased in the electroacupuncture group compared with the model group. CONCLUSIONS These findings indicated that electroacupuncture is effective in alleviating ICC damage and reduces Cx43 levels in FD rats, and suggest that ICC and Cx43 are involved in electroacupuncture treatment in rats with FD to improve gastrointestinal motility disorders. PMID:27297942

  8. Effects of Electroacupuncture on Interstitial Cells of Cajal (ICC) Ultrastructure and Connexin 43 Protein Expression in the Gastrointestinal Tract of Functional Dyspepsia (FD) Rats

    PubMed Central

    Zhang, Guoshan; Xie, Shen; Hu, Wei; Liu, Yuer; Liu, Mailan; Liu, Mi; Chang, Xiaorong

    2016-01-01

    Background Gastrointestinal motility disorder is the main clinical manifestation in functional dyspepsia (FD) patients. Electroacupuncture is effective in improving gastrointestinal motility disorder in FD; however, the underlying mechanism remains unclear. It has been demonstrated that interstitial cells of Cajal (ICC) are pacemaker cells in the gastrointestinal tract, and the pacemaker potential is transmitted to nearby cells through gap junctions between ICC or ICC and the smooth muscle. Therefore, this study aimed to assess the effects of electroacupuncture on ICC ultrastructure and expression of the gap junction protein connexin 43 (Cx43) in FD rats. Material/Methods The animals were randomized into 3 groups: control, model, and electroacupuncture. Electroacupuncture was applied at Zusanli (ST36) in the electroacupuncture group daily for 10 days, while no electroacupuncture was applied to model group animals. Results Ultrastructure of ICC recovered normally in gastric antrum and small intestine specimens was improved, with Cx43 expression levels in these tissues significantly increased in the electroacupuncture group compared with the model group. Conclusions These findings indicated that electroacupuncture is effective in alleviating ICC damage and reduces Cx43 levels in FD rats, and suggest that ICC and Cx43 are involved in electroacupuncture treatment in rats with FD to improve gastrointestinal motility disorders. PMID:27297942

  9. Bridging the Gap, Facing the Challenge-the 26(th) Great Wall International Congress of Cardiology (GW-ICC).

    PubMed

    Zhang, Yingmei; Ren, Jun

    2016-02-01

    The joint venue of the 26(th) Great Wall International Congress of Cardiology (GW-ICC) & Asia Pacific Heart Congress 2015 (APHC 2015) & International Congress Cardiovascular Prevention and Rehabilitation 2015 (ICCPR 2015) were held from October 29 to November 01, 2015 at the China National Convention Center (CNCC), Beijing, China. This year's conference focused on cardiovascular disease prevention, health promotion, education and training, as well as disease management and rehabilitation. PMID:26885499

  10. Bridging the Gap, Facing the Challenge—the 26th Great Wall International Congress of Cardiology (GW-ICC)

    PubMed Central

    Zhang, Yingmei

    2016-01-01

    The joint venue of the 26th Great Wall International Congress of Cardiology (GW-ICC) & Asia Pacific Heart Congress 2015 (APHC 2015) & International Congress Cardiovascular Prevention and Rehabilitation 2015 (ICCPR 2015) were held from October 29 to November 01, 2015 at the China National Convention Center (CNCC), Beijing, China. This year’s conference focused on cardiovascular disease prevention, health promotion, education and training, as well as disease management and rehabilitation. PMID:26885499

  11. USE OF ICC/PCR AND NUCLEIC ACID SEQUENCING TO OVERCOME FALSE NEGATIVE RESULTS IN ENVIRONMENTAL VIRUS SURVEYS. (R824756)

    EPA Science Inventory

    The perspectives, information and conclusions conveyed in research project abstracts, progress reports, final reports, journal abstracts and journal publications convey the viewpoints of the principal investigator and may not represent the views and policies of ORD and EPA. Concl...

  12. Financial Assistance

    MedlinePlus

    Health care can be costly. If you have health insurance, it usually pays at least part of your medical costs. If you don't have insurance or need help with costs that aren't covered, financial assistance ...

  13. Financial Opportunities

    SciTech Connect

    2012-01-19

    The Water Power Program focuses on technological development, and deployment of innovative technologies capable of generating electricity from water. The program funds research and development activities through competitive solicitations. Financial opportunities are avaliable here.

  14. Financial hardship and obesity.

    PubMed

    Averett, Susan L; Smith, Julie K

    2014-12-01

    There is a substantial correlation between household debt and health. Individuals with less healthy lifestyles are more likely to hold debt, yet there is little evidence as to whether this is merely a correlation or if financial hardship actually causes obesity. In this paper, we use data from the National Longitudinal Survey of Adolescent Health to test whether financial hardship affects body weight. We divide our sample into two groups: men and women, explore two different types of financial hardship: holding credit card debt and having trouble paying bills, and three outcomes: overweight, obese and body mass index (BMI). We use a variety of econometric techniques: Ordinary Least Squares, Propensity Score Matching, Sibling Fixed Effects, and Instrumental Variables to investigate the relationship that exists between financial hardship and body weight. In addition, we conduct several robustness checks. Although our OLS and PSM results indicate a correlation between financial hardship and body weight these results appear to be largely driven by unobservables. Our IV results suggest that there is no causal relationship between credit card debt and overweight or obesity for either men or women. However, we find suggestive evidence that having trouble paying bills may be a cause of obesity for women. PMID:24411309

  15. Finding Financial Resources for Adult Learners: Profiles for Practice.

    ERIC Educational Resources Information Center

    College Entrance Examination Board, New York, NY.

    A variety of special financial aid practices that colleges have created to meet the needs of adult students are described, based on a 1983 survey of financial aid directors from more than 100 colleges. Information is provided on campus-based sources of financial aid such as: credit for prior learning programs, financial and career information…

  16. Examining the Relationship between Financial Issues and Divorce

    ERIC Educational Resources Information Center

    Dew, Jeffrey; Britt, Sonya; Huston, Sandra

    2012-01-01

    Using longitudinal data from the National Survey of Families and Households and both wife- and husband-reported data (N = 4,574 couples), this study examined how financial well-being, financial disagreements, and perceptions of financial inequity were associated with the likelihood of divorce. When financial disagreements were in the model,…

  17. The Role of Community College Financial Aid Counselors in Helping Students Understand and Utilize Financial Aid

    ERIC Educational Resources Information Center

    McKinney, Lyle; Roberts, Toya

    2012-01-01

    Financial aid counselors are a primary source of information that many students rely upon to understand financial aid and how to pay for college. However, little is known about financial aid counselors at America's community colleges and their interactions with the students they serve. Using original survey data, this study examined the role these…

  18. Financial Knowledge and Aptitudes: Impacts on College Students' Financial Well-Being

    ERIC Educational Resources Information Center

    Chan, S. Fiona; Chau, Albert Wai-Lap; Chan, Kim Yin-Kwan

    2012-01-01

    The study examines relationship between college students' money-related aptitudes, financial management practices and financial well-being. By integrating Kidwell, Brinberg and Turrisi's model of money management (2003) and other research on financial well-being, we surveyed 802 university students in Hong Kong. Our findings confirm the hypothesis…

  19. Financial Aid as a Service: A Review of Operations.

    ERIC Educational Resources Information Center

    Adams, Judith

    A study was undertaken at Macomb Community College (MCC), in Michigan, to review the effectiveness of the college's financial aid department. Data were gathered from a search of the literature related to financial aid services and a review of comments and findings from MCC alumni and financial aid surveys. In addition, surveys were conducted of…

  20. Financial Exploitation and Psychological Mistreatment among Older Adults: Differences between African Americans and Non-African Americans in a Population-Based Survey

    ERIC Educational Resources Information Center

    Beach, Scott R.; Schulz, Richard; Castle, Nicholas G.; Rosen, Jules

    2010-01-01

    Purpose: To examine racial differences in (a) the prevalence of financial exploitation and psychological mistreatment since turning 60 and in the past 6 months and (b) the experience--perpetrator, frequency, and degree of upset--of psychological mistreatment in the past 6 months. Design and methods: Random digit dial telephone recruitment and…

  1. Modelling and experimental investigation of transient heat transfer and hydrodynamics in LTSC and HTSC cables of ICCS type

    NASA Astrophysics Data System (ADS)

    Pavlov, Yu. M.; Yakovlev, I. V.; Terentiev, Yu. A.; Antipov, V. I.

    Results of experimental investigation of transient heat transfer and hydrodynamics of two phase flow in the channel with forced nitrogen circulation under pulse heating conditions are presented. Experimental relationships of channel wall temperature, heat transfer coefficient, pressure in the channel and time of boiling onset and that of crisis of heat transfer from mass flow rate, amplitude of heat pulse and relative channel length are obtained. Experimental results illustrate some regularities of transient heat transfer and hydraulic processes in models of HTSC cable of ICCS type.

  2. 25th IAEA Fusion Energy Conference: summary of sessions EX/S, EX/W and ICC

    NASA Astrophysics Data System (ADS)

    Sen, A.

    2015-10-01

    This paper provides a summary overview, based on papers presented at the 25th IAEA Fusion Energy Conference (FEC), in the area of magnetic confinement experiments related to stability (EX/S), wave-plasma interactions, current drive, heating, energetic particles (EX/W) and innovative confinement concepts (ICCs). A selection of results that represent progress made since the last FEC in a few important thematic areas that are relevant for the successful and safe operation of future fusion devices like ITER, is highlighted.

  3. FINANCIAL LITERACY, FINANCIAL EDUCATION AND ECONOMIC OUTCOMES

    PubMed Central

    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 extent to which a competitive market provides incentives for firms to educate consumers or offer products that facilitate informed choice. We review the literature on alternative policies to improve financial outcomes, and compare the evidence to evidence on the efficacy and cost of financial education. Finally, we discuss directions for future research. PMID:23991248

  4. Financial Resources.

    ERIC Educational Resources Information Center

    Dougherty, Richard M.; And Others

    1989-01-01

    Nine articles cover topics related to library financial resources: (1) escalating serials prices; (2) library budgeting; (3) entrepreneurship; (4) cutback management; (5) academic library budgets; (6) assessment of library effectiveness; (7) public library fund-raising; (8) capital investment; and (9) unit cost analysis at the Virginia Polytechnic…

  5. Applicability of integrated cell culture quantitative PCR (ICC-qPCR) for the detection of infectious adenovirus type 2 in UV disinfection studies.

    PubMed

    Ryu, Hodon; Cashdollar, Jennifer L; Fout, G Shay; Schrantz, Karen A; Hayes, Samuel

    2015-01-01

    Practical difficulties of the traditional adenovirus infectivity assay such as intensive labor requirements and longer turnaround period limit the direct use of adenovirus as a testing microorganism for systematic, comprehensive disinfection studies. In this study, we attempted to validate the applicability of integrated cell culture quantitative PCR (ICC-qPCR) as an alternative to the traditional cell culture method with human adenovirus type 2 (HAdV2) in a low-pressure UV disinfection study and to further optimize the procedures of ICC-qPCR for 24-well plate format. The relatively high stability of the hexon gene of HAdV2 was observed after exposure to UV radiation, resulting in a maximum gene copy reduction of 0.5 log10 at 280 mJ cm(-2). Two-day post-inoculation incubation period and a maximum spiking level of 10(5) MPN mL(-1) were selected as optimum conditions of ICC-qPCR with the tested HAdV2. An approximate 1:1 correlation of virus quantities by the traditional and ICC-qPCR cell culture based methods suggested that ICC-qPCR is a satisfactory alternative for practical application in HAdV2 disinfection studies. ICC-qPCR results, coupled with a first-order kinetic model (i.e., the inactivation rate constant of 0.0232 cm(2) mJ(-1)), showed that an UV dose of 172 mJ cm(-2) achieved a 4-log inactivation credit for HAdV2. This estimate is comparable to other studies with HAdV2 and other adenovirus respiratory types. The newly optimized ICC-qPCR shows much promise for further study on its applicability of other slow replicating viruses in disinfection studies. PMID:26030683

  6. Dynamic image correlation spectroscopy (ICS) and two-color image cross-correlation spectroscopy (ICCS): concepts and application

    NASA Astrophysics Data System (ADS)

    Wiseman, Paul W.; Squier, Jeffrey A.; Wilson, Kent R.

    2000-05-01

    The interaction of macromolecules in space and time are known to be important for the regulation of many biochemical reactions. Image correlation spectroscopy (ICS) was recently introduced as an imaging analog of fluorescence correlation spectroscopy optimized for measuring the aggregation state of fluorescently labeled macromolecules on the surface of biological cells. We present two novel developments of dynamic ICS that will greatly enhance our abilities to measure molecular interactions as a function of time and space in living cells. We illustrate the use of a rapid scan two-photon microscope system to collect image series at high time resolution (30 frames/s) for dynamic ICS analysis. Secondly, we demonstrate the implementation of two-color image cross-correlation spectroscopy (ICCS) with a CLSM using multiple wavelength excitation, and with two-photon excitation of samples containing two different fluorescent species. Cross-correlation analysis allows the degree of co- localization of two different fluorophores to be measured directly. By performing two-color ICCS, we can monitor the interactions of non-identical labeled macromolecules as a function of time and space. We describe the experimental setup for both methods and illustrate the application for measurements of the diffusion coefficients of singly and doubly labeled fluorescent microspheres in aqueous solutions.

  7. A Fast linking approach for CMYK to CMYK conversion preserving black separation in ICC color management system

    NASA Astrophysics Data System (ADS)

    Zeng, Huanzhao

    2003-12-01

    In the linking step of the standard ICC color management workflow for CMYK to CMYK conversion, a CMM takes an AToBn tag (n = 0, 1, or 2) from a source ICC profile to convert a color from the source color space to PCS (profile connection space), and then takes a BToAn tag from the destination ICC profile to convert the color from PCS to the destination color space. This approach may give satisfactory result perceptually or colorimetrically. However, it does not preserve the K channel for CMYK to CMYK conversion, which is often required in graphic art"s market. The problem is that the structure of a BtoAn tag is designed to convert colors from PCS to a device color space ignoring the K values from the source color space. Different approaches have been developed to control K in CMYK to CMYK printing, yet none of them well fits into the "Profile - PCS - Profile" model in the ICC color management system. A traditional approach is to transform the source CMYK to the destination CMYK by 1-D TRC curves and GCR/UCR tables. This method is so simple that it cannot accurately transform colors perceptually or colorimetrically. Another method is to build a 4-D CMYK to CMYK closed-loop lookup table (LUT) (or a deviceLink ICC profile) for the color transformation. However, this approach does not fit into opened color management workflows for it ties the source and the destination color spaces in the color characterization step. A specialized CMM may preserve K for a limit number of colors by mapping those CMYK colors to some carefully chosen PCS colors in both the AToBi tag and the BToAi tag. A more complete solution is to move to smart linking in which gamut mapping is performed in the real-time linking at a CMM. This method seems to solve all problems existed in the CMYK to CMYK conversion. However, it introduces new problems: 1) gamut mapping at real-time linking is often unacceptable slow; 2) gamut mapping may not be optimized or may be unreliable; 3) manual adjustment for

  8. Are the Right Students Receiving Need Based Federal Student Financial Aid

    ERIC Educational Resources Information Center

    Kennedy, Joseph

    2009-01-01

    Students at a college or university who receive need-based financial aid, receive a tremendous financial resource compared to those students who do not receive need based financial aid. A sample of 100 students from various backgrounds and skills were surveyed. The survey asked questions of the two student groups: received need based financial aid…

  9. Financial Analysis

    NASA Astrophysics Data System (ADS)

    Haimovitch, Larry

    1988-09-01

    This is my second annual State-Of-The-Industry, if you will, from the financial standpoint. Swergold, Chefitz & Sinsabaugh, so you understand my position a little bit better, is both an investment banking and institutional research firm. We specialize both in healthcare research and in high technology research. I am one of three healthcare analysts. I am one of the fortunate ones who get to be in the San Francisco office. My speciality includes, in the medical device and technology areas, such subsectors as medical lasers, ophthalmology, critical care medicine, orthopedic devices, and cardiovascular devices. I have followed the medical laser industry for the last few years, and what I wanted to do today was give you kind of an update on the financial state of the industry.

  10. Veterinary School Applicants: Financial Literacy and Behaviors.

    PubMed

    Carr, McKensie M; Greenhill, Lisa M

    2015-01-01

    Each year the Association of American Veterinary Medical Colleges (AAVMC) conducts a survey after the close of the Veterinary Medical College Application Service (VMCAS) application. The survey provides a glimpse into applicant behavior surrounding the veterinary school application process. Additional survey questions probe into applicant financial behaviors, use of financial products and services, and pet ownership. This article examines the 2013 survey data from applicants who successfully completed the application, with a focus on applicant financial literacy and behaviors. Data from the study revealed a disconnect between applicants' perception of their ability to deal with day-to-day finances and their actual financial behaviors, particularly for first-generation college student applicants and applicants who are racially/ethnically underrepresented in veterinary medicine (URVM). Many applicants were not able to accurately report the average veterinary school graduate's student debt level, which suggests the potential need for better education about the costs associated with attending veterinary school. PMID:25872561

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

    SciTech Connect

    Bolinger, Mark; Holt, Edward

    2015-06-01

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

  12. Understanding Financial Statements. Financial Matters. Board Basics.

    ERIC Educational Resources Information Center

    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," which…

  13. Energy Provisions of the ICC-700, LEED for Homes, and ENERGY STAR Mapped to the 2009 IECC

    SciTech Connect

    Britt, Michelle L.; Sullivan, Robin S.; Kora, Angela R.; Makela, Eric J.; Makela, Erin

    2011-05-06

    This document provides the results of a comparison of building energy efficient elements of the ICC-700 National Green Building Standard, LEED for Homes, and ENERGY STAR versions 2, 2.5, and 3.0 to the 2009 International Energy Conservation Code (2009 IECC). This comparison will provide a tool for states and local municipalities as they consider adoption of these programs. The comparison is presented in a series of appendices. The first appendix provides a summary chart that visually represents the comprehensive comparison of the programs to the 2009 IECC topic areas. Next there are a series of individual tables (one appendix for each program) that include the specific program mapping to the 2009 IECC elements with comments that briefly discuss how well the elements mapped. Finally, a comprehensive table is included that shows all five of the programs mapped to the 2009 IECC elements to allow a detailed comparison.

  14. Association of Low Numbers of CD206-Positive Cells with Loss of ICC in the Gastric Body of Patients with Diabetic Gastroparesis

    PubMed Central

    Bernard, Cheryl; Gibbons, Simon J.; Mann, Inderjit S.; Froschauer, Lukas; Parkman, Henry P.; Harbison, Sean; Abell, Thomas L.; Snape, William J.; Hasler, William L.; McCallum, Richard W.; Sarosiek, Irene; Nguyen, Linda Anh B.; Koch, Kenneth L.; Tonascia, James; Hamilton, Frank A.; Kendrick, Michael L.; Shen, K. Robert; Pasricha, Pankaj J.; Farrugia, Gianrico

    2014-01-01

    Background There is increasing evidence for specific cellular changes in the stomach of patients with diabetic (DG) and idiopathic (IG) gastroparesis. The most significant findings are loss of interstitial cells of Cajal (ICC), neuronal abnormalities and an immune cellular infiltrate. Studies done in diabetic mice have shown a cytoprotective effect of CD206+ M2 macrophages. Aim: Q uantify overall immune cellular infiltrate, identify macrophage populations and quantify CD206+ and iNOS+ cells. Investigate associations between cellular phenotypes and ICC. Methods Full thickness gastric body biopsies were obtained from non-diabetic controls (C), diabetic controls (DC), DG, and IG patients. Sections were labeled for CD45, CD206, Kit, iNOS and putative human macrophage markers (HAM56, CD68 and EMR1). Immunoreactive cells were quantified from the circular muscle layer. Results Significantly fewer ICC were detected in DG and IG tissues but there were no differences in the numbers of cells immunoreactive for other markers between patient groups. There was a significant correlation between the number of CD206+ cells and ICC in DG and DC patients but not in C and IG and a significant correlation between iNOS+ cells and ICC in the DC group but not the other groups. CD68 and HAM56 reliably labeled the same cell populations but EMR1 labeled other cell types. Conclusions Depletion of ICC and correlation with changes in CD206+ cell numbers in DC and DG patients suggests that in humans, like mice, CD206+ macrophages may play a cytoprotective role in diabetes. These findings may lead to novel therapeutic options, targeting alternatively activated macrophages. PMID:25041465

  15. Financial Well-being in Active Ageing.

    PubMed

    Rajola, Federico; Frigerio, Chiara; Parrichi, Monica

    2014-01-01

    In developed countries, economic and financial well-being is playing a crucial positive role in ageing and inclusion processes. Due to the complexity and pervasiveness of financial economy in the real life, more and more social as well as individual well-being are perceived as influenced by financial conditions. On the other hand, the demographic circumstances drive scholars as well as politicians to reflect on ageing dynamics. Bridging the two domains, the following research focuses on the role of the financial well-being as a mediating role of general well-being in elder people. The assumption is that elderly people have specific financial needs that sometimes are not covered by financial providers' offers. The motivation is mainly on the role of information asymmetries between elder consumers and financial institutions. On the dynamics of these asymmetries, the research will specifically investigate the role of financial literacy, as the ability of comprehension of elder people of their needs and of financial information. The applicative implication of this research work consists in finding the determinants of financial well-being for elders and the definition of their specific financial competencies, in order to 1) identify educational and regulatory guidelines for policy makers in charge of creating financial market transparency conditions, and to 2) support design of organizational mechanisms as well as financial product/services for this specific target of client. The following chapter presents preliminary explorative results of a survey delivered on 200 elder individuals (65-80 yrs.) leaving in Milan. Findings show that active elders consider the ability of managing personal wealth as one of the core determinant of well-being, although the economic and financial literacy is limited. Furthermore, the chapter proposes a research agenda for scholars interested in exploring the relationship between financial well-being and ageing. PMID:26630513

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

    ERIC Educational Resources Information Center

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

    2011-01-01

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

  17. Financial Literacy of High School Students: Evidence from Germany

    ERIC Educational Resources Information Center

    Erner, Carsten; Goedde-Menke, Michael; Oberste, Michael

    2016-01-01

    After graduating high school, underage individuals soon face ever more complex and important financial decisions. Pivotal to the development of improved financial literacy programs is a comprehensive examination of financial literacy levels and potentially related factors. The authors conducted a survey among German high school students and found…

  18. Financial Literacy for Vocational Learners in Further Education. Financial Literacy in Context

    ERIC Educational Resources Information Center

    Basic Skills Agency, 2007

    2007-01-01

    Financial literacy refers to the ability to make informed judgements and to take effective decisions regarding the use and management of money. A baseline survey carried out by the Financial Services Agency (FSA) in 2006 highlighted many issues: (1) 29% of 16-4-year-olds said they would not know how to prepare and manage a weekly budget; (2) 19%…

  19. A Design for a Model College Financial Aid Office.

    ERIC Educational Resources Information Center

    VanDusen, William D.; O'Hearne, John J.

    Much of the information used in this report on a model college financial aid office prepared for the Coordinating Board, Texas College and University System, was obtained from a survey conducted in 1965-66 by the Bureau of Applied Social Research of Columbia University. As part of the survey, questionnaires were sent to directors of financial aid…

  20. Comparative Perceptions of Students, Financial Aid Administrators, and Presidents Regarding the Required Competencies of Community College Financial Aid Administrators.

    ERIC Educational Resources Information Center

    Herndon, Charles Frederick

    As a basis for the establishment of meaningful training programs for community college financial aid administrators, presidents, financial aid administrators, and student aid recipients at 45 California community colleges were surveyed in regard to the attributes and competencies deemed essential for this position. The survey instrument contained…

  1. Computational Science - ICCS 2009

    NASA Astrophysics Data System (ADS)

    Allen, Gabrielle; Nabrzyski, Jarosław; Seidel, Edward; van Albada, Geert Dick; Dongarra, Jack; Sloot, Peter M. A.

    Representing knowledge with the use of ontology description languages offers several advantages arising from knowledge reusability, possibilities of carrying out reasoning processes and the use of existing concepts of knowledge integration. In this work we are going to present an environment for the integration of knowledge expressed in such a way. Guaranteeing knowledge integration is an important element during the development of the Semantic Web. Thanks to this, it is possible to obtain access to services which offer knowledge contained in various distributed databases associated with semantically described web portals. We will present the advantages of the multi-agent approach while solving this problem. Then, we will describe an example of its application in systems supporting company management knowledge in the process of constructing supply-chains.

  2. A Longitudinal Evaluation of the Intermediate-Term Impact of the "Money Smart" Financial Education Curriculum upon Consumers' Behavior and Confidence

    ERIC Educational Resources Information Center

    Federal Deposit Insurance Corporation, 2007

    2007-01-01

    Using data collected from a pre-training survey, post-training survey, and telephone follow-up survey, this study analyzes the impact of the Money Smart financial education curriculum upon the financial opinions and behaviors of course participants during the survey period. The data indicate that Money Smart financial education training positively…

  3. Natural hazard metaphors for financial crises

    NASA Astrophysics Data System (ADS)

    Woo, Gordon

    2001-02-01

    Linguistic metaphors drawn from natural hazards are commonly used at times of financial crisis. A brewing storm, a seismic shock, etc., evoke the abruptness and severity of a market collapse. If the language of windstorms, earthquakes and volcanic eruptions is helpful in illustrating a financial crisis, what about the mathematics of natural catastrophes? Already, earthquake prediction methods have been applied to economic recessions, and volcanic eruption forecasting techniques have been applied to market crashes. The purpose of this contribution is to survey broadly the mathematics of natural catastrophes, so as to convey the range of underlying principles, some of which may serve as mathematical metaphors for financial applications.

  4. NPs/NPRs Signaling Pathways May Be Involved in Depression-Induced Loss of Gastric ICC by Decreasing the Production of mSCF

    PubMed Central

    Cai, Zheng-Xu; Wang, Feng-Yun; Li, Ping; Sui, Hua; Guo, Hui-Shu

    2016-01-01

    It is well known that natriuretic peptides (NPs) are involved in the regulation of gastrointestinal motility. Interstitial cells of Cajal (ICC) are the pacemaker cells of gastrointestinal motility and gastrointestinal dyskinesia is one of the important digestive tract symptoms of depression. However, it is unclear whether they are involved in depression-induced loss of ICC. The aim of the present study was to investigate the relationship between the natriuretic peptide signaling pathway and depression-induced loss of gastric ICC in depressed rats. These results showed that the expression of c-kit and stem cell factor (SCF) in smooth muscle layers of stomach were down-regulated in depressed rats at the mRNA and protein levels. The expression of natriuretic peptide receptor (NPR)-A, B and C were up-regulated in the stomach of depressed rats at the mRNA and protein levels. NPR-A, B and C can significantly decrease the expression of SCF to treat cultured gastric smooth muscle cells (GSMCs) obtained from normal rats with different concentrations of C-type natriuretic peptide (CNP). Pretreatment of cultured GSMCs with 8-Brom-cGMP (8-Br-cGMP, a membrane permeable cGMP analog), cANF (a specific NPR-C agonist) and CNP (10−6 mol/L) demonstrated that 8-Br-cGMP had a similar effect as CNP, but treatment with cANF did not. The results of the methyl thiazolyl tetrazolium bromide (MTT) assay indicated that high concentrations of cANF (10−6 mol/L) restrained the proliferation of cultured GSMCs. Taken together, these results indicate that the up-regulation of the NPs/NPR-C and NPs/NPR-A, B/cGMP signaling pathways may be involved in depression-induced loss of gastric ICC. PMID:26862759

  5. NPs/NPRs Signaling Pathways May Be Involved in Depression-Induced Loss of Gastric ICC by Decreasing the Production of mSCF.

    PubMed

    Lin, Xue-Lian; Tang, Xu-Dong; Cai, Zheng-Xu; Wang, Feng-Yun; Li, Ping; Sui, Hua; Guo, Hui-Shu

    2016-01-01

    It is well known that natriuretic peptides (NPs) are involved in the regulation of gastrointestinal motility. Interstitial cells of Cajal (ICC) are the pacemaker cells of gastrointestinal motility and gastrointestinal dyskinesia is one of the important digestive tract symptoms of depression. However, it is unclear whether they are involved in depression-induced loss of ICC. The aim of the present study was to investigate the relationship between the natriuretic peptide signaling pathway and depression-induced loss of gastric ICC in depressed rats. These results showed that the expression of c-kit and stem cell factor (SCF) in smooth muscle layers of stomach were down-regulated in depressed rats at the mRNA and protein levels. The expression of natriuretic peptide receptor (NPR)-A, B and C were up-regulated in the stomach of depressed rats at the mRNA and protein levels. NPR-A, B and C can significantly decrease the expression of SCF to treat cultured gastric smooth muscle cells (GSMCs) obtained from normal rats with different concentrations of C-type natriuretic peptide (CNP). Pretreatment of cultured GSMCs with 8-Brom-cGMP (8-Br-cGMP, a membrane permeable cGMP analog), cANF (a specific NPR-C agonist) and CNP (10-6 mol/L) demonstrated that 8-Br-cGMP had a similar effect as CNP, but treatment with cANF did not. The results of the methyl thiazolyl tetrazolium bromide (MTT) assay indicated that high concentrations of cANF (10-6 mol/L) restrained the proliferation of cultured GSMCs. Taken together, these results indicate that the up-regulation of the NPs/NPR-C and NPs/NPR-A, B/cGMP signaling pathways may be involved in depression-induced loss of gastric ICC. PMID:26862759

  6. Financial exploitation, financial capacity, and Alzheimer's disease.

    PubMed

    Lichtenberg, Peter A

    2016-01-01

    Research in the past decade has documented that financial exploitation of older adults has become a major problem, and psychology is only recently increasing its presence in efforts to reduce exploitation. During the same time period, psychology has been a leader in setting best practices for the assessment of diminished capacity in older adults culminating in the 2008 American Bar Association Commission on Law and Aging and American Psychological Association (ABA/APA) joint publication on a handbook for psychologists. Assessment of financial decision-making capacity is often the cornerstone assessment needed in cases of financial exploitation. This article will examine the intersection of financial exploitation and decision-making capacity and introduce a new conceptual model and new tools for both the investigation and prevention of financial exploitation. (PsycINFO Database Record PMID:27159438

  7. Invest in Financial Literacy

    ERIC Educational Resources Information Center

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

    2012-01-01

    The current state of the economy elevates the need to build awareness of financial markets and personal finance among the nation's young people through implementing a financial literacy curriculum in schools. A limited amount of time spent on financial literacy can have a positive effect on students' budgeting skills. This knowledge will only add…

  8. Financial Advice: Who Pays

    ERIC Educational Resources Information Center

    Finke, Michael S.; Huston, Sandra J.; Winchester, Danielle D.

    2011-01-01

    Using a cost-benefit framework for financial planning services and proprietary data collected in the summer of 2008, the client characteristics that are associated with the likelihood of paying for professional financial advice, as well as the type of financial services purchased, are identified. Results indicate that respondents who pay for…

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

    ERIC Educational Resources Information Center

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

    2011-01-01

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

  10. Increasing Participation in Mainstream Financial Markets by Black Households.

    ERIC Educational Resources Information Center

    Toussaint-Comeaut, Maude; Rhine, Sherrie L. W.

    2002-01-01

    A survey of 194 black households in a Chicago neighborhood found that one in five did not use banks, 49% had credit cards, over 75% used alternative financial services (AFS), and many used informal financial networks. Nonbank and AFS users tended to be lower income, less educated, younger, and unmarried people. Consumer education and public policy…

  11. Financial Education in Small Ethnic Minority Businesses in the UK

    ERIC Educational Resources Information Center

    Hussain, Javed; Matlay, Harry; Scott, Jonathan M.

    2008-01-01

    Purpose: The purpose of this paper is to set out to evaluate the financial education needs of ethnic minority SMEs in the West Midlands region of the United Kingdom. Design/methodology/approach: A postal survey was used to investigate the financial needs of owner/managers in 64 ethnic minority SMEs and a control sample of 23 non-ethnic SMEs.…

  12. Financial Issues and Relationship Outcomes among Cohabiting Individuals

    ERIC Educational Resources Information Center

    Dew, Jeffrey

    2011-01-01

    Few studies have examined how financial relationship issues are associated with cohabiting individuals' risk of union dissolution or marriage. Competing-risks Cox regressions using the cohabiting data in the National Survey of Families and Households (N = 483) found that financial disagreements predicted union dissolution, whereas disagreements…

  13. A Financial Aid Competency Model for Professional Development

    ERIC Educational Resources Information Center

    Woolf, Neil; Martinez, Mario

    2013-01-01

    This research explores the competencies that financial aid officers need to be successful in their jobs. A survey of 30 competencies was distributed to 508 financial aid officers in the Western United States. Respondents were asked to rate 30 job competencies for their relative importance and frequency of use. Using exploratory factor analysis,…

  14. Presenting practice financial information.

    PubMed

    Webster, Lee Ann H

    2007-01-01

    Medical practice leadership teams, often consisting primarily of physicians with limited financial backgrounds, must make important business decisions and continuously monitor practice operations. In order to competently perform this duty, they need financial reports that are relevant and easy to understand. This article explores financial reporting and decision-making in a physician practice. It discusses reports and tools, such as ratios, graphs, and comparisons, that practices typically include in their reports. Because profitability and cash flow are often the most important financial considerations for physician practices, reports should generally focus on the impact of various activities and potential decisions upon these concerns. This article also provides communication tips for both those presenting practice financial information and those making the decisions. By communicating effectively, these leaders can best use financial information to improve decision-making and maximize financial performance. PMID:17974087

  15. Job Satisfaction of Financial Aid Administrators in Illinois.

    ERIC Educational Resources Information Center

    Clement, Robert J.; White, Gordon W.

    1983-01-01

    A survey of financial aid administrators in Illinois studied the possible relationships of institutional type, job title, and years of experience on administrators' personal security, socialization, self-esteem, autonomy, self-actualization, and feeling of being knowledgeable. (MSE)

  16. The Financial Value of a Higher Education

    ERIC Educational Resources Information Center

    Kantrowitz, Mark

    2007-01-01

    Five years have passed since the U.S. Census Bureau published synthetic estimates of work-life earnings by educational attainment. This paper updates those figures with the most recent data from the U.S. Census Bureau's annual Current Population Surveys, and adds net present value analysis of the financial benefit of a college degree to the…

  17. HEGIS Financial Reporting Guide: 1980 Edition.

    ERIC Educational Resources Information Center

    Allen, Richard H.

    A companion document to the three-volume "Higher Education Finance Manual," which is intended to guide those completing the Higher Education General Information Survey (HEGIS) Financial Statistics of Institutions of Higher Education, is presented. While it is based on the data required for 1978-79, the guide can provide guidance in completing…

  18. Valuing the Implementation of Financial Literacy Education

    ERIC Educational Resources Information Center

    Davis, Kimberlee; Durband, Dorothy Bagwell

    2008-01-01

    Placing a monetary value on education is a complex task. A more difficult task is to determine at what monetary level individuals will support educational improvements. The contingent valuation method was used to estimate the value of the implementation of financial literacy education in Texas public schools. A Web-based survey was administered to…

  19. Color management in the real world: sRGB, ICM2, ICC, ColorSync, and other attempts to make color management transparent

    NASA Astrophysics Data System (ADS)

    Stokes, Michael

    1998-07-01

    A uniformly adopted color standards infrastructure has a dramatic impact on any color imaging industry and technology. This presentation begins by framing the current color standards situation in a historical context. A series of similar appearing infrastructure adoptions in color publishing during the last fifty years are reviewed and compared to the current events. This historical review is followed by brief technical, business and marketing reviews of two of the more popular recent color standards proposals, sRGB and ICC, along with their operating system implementations in the Microsoft and Apple operating systems. The paper concludes with a summary of Hewlett- Packard Company's and Microsoft's proposed future direction.

  20. Competencies for Financial Aid Officers: A Competency Model for Professional Development

    ERIC Educational Resources Information Center

    Woolf, Michael Neil

    2012-01-01

    Financial aid officers play a vital role in assisting prospective and current college students in enrolling and graduating from college. This study explores the competencies that financial aid officers need to be successful in their jobs. A survey of thirty competencies was distributed to 508 practicing financial aid officers in the Western United…

  1. Developing Financial Benchmarks for Critical Access Hospitals

    PubMed Central

    Pink, George H.; Holmes, George M.; Slifkin, Rebecca T.; Thompson, Roger E.

    2009-01-01

    This study developed and applied benchmarks for five indicators included in the CAH Financial Indicators Report, an annual, hospital-specific report distributed to all critical access hospitals (CAHs). An online survey of Chief Executive Officers and Chief Financial Officers was used to establish benchmarks. Indicator values for 2004, 2005, and 2006 were calculated for 421 CAHs and hospital performance was compared to the benchmarks. Although many hospitals performed better than benchmark on one indicator in 1 year, very few performed better than benchmark on all five indicators in all 3 years. The probability of performing better than benchmark differed among peer groups. PMID:19544935

  2. Consolidating Financial Statements.

    ERIC Educational Resources Information Center

    Wood, Marcia R.

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

  3. Financial Services Marketing.

    ERIC Educational Resources Information Center

    Olson, Lucretia Maria

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

  4. Financial Rogue Waves

    NASA Astrophysics Data System (ADS)

    Yan, Zhen-Ya

    2010-11-01

    We analytically give the financial rogue waves in the nonlinear option pricing model due to Ivancevic, which is nonlinear wave alternative of the Black—Scholes model. These rogue wave solutions may he used to describe the possible physical mechanisms for rogue wave phenomenon in financial markets and related fields.

  5. Financial management of hospitals.

    PubMed

    Speranzo, A J

    1984-05-01

    The effect of hospital reimbursement systems on the financial management of hospitals is briefly discussed, and the organization of hospital financial operations is reviewed. The implementation of Medicare prospective pricing will change the way in which hospital finances are managed. Health-care managers will be concerned with the profitability of product lines, or diagnosis-related groups, in future strategic planning efforts. The hospital's finance department consists of several traditional areas that exist in almost all financial organizations. The functions and interactions of these various areas are discussed in light of previous and current hospital reimbursement strategies. Staffing of the finance department and the duties of the hospital's chief financial officer are also described. The prospective pricing system of hospital reimbursement and increasing pressure from the business community to stem the rising costs of health care will produce changes in the medical and financial operations of the hospital industry over the next decade. PMID:6375357

  6. The Crisis in Higher Education: Facing Reduction and Financial Exigency.

    ERIC Educational Resources Information Center

    King, Richard A.

    The development of policy to respond to reduction and financial exigency in higher education was studied, based on a survey of presidents of 19 public and 35 private colleges and universities. In addition to assessing policy development, the survey was directed to efforts to increase enrollments and revenue and to reduce expenditures and criteria…

  7. Be Vigilant on Financial Statements.

    ERIC Educational Resources Information Center

    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)

  8. Project financial evaluation

    SciTech Connect

    None, None

    2009-01-18

    The project financial section of the Renewable Energy Technology Characterizations describes structures and models to support the technical and economic status of emerging renewable energy options for electricity supply.

  9. Consumer Financial Protection Bureau

    MedlinePlus

    ... Bureau, a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. ... en secreto por los empleados de Wells Fargo Bank resultan en una multa histórica de $100 millones ...

  10. Financial Literacy as the Foundation for Individual Financial Behavior

    ERIC Educational Resources Information Center

    Dwiastanti, Anis

    2015-01-01

    Research that is dealing with financial literacy turns to be such an important thing to be conducted. It is due to the fact that financial literacy level of Indonesian society is still very low. A good financial literacy is necessary for every individual to manage his/her finances to achieve prosperity. To have a good level of financial literacy,…

  11. Chaotic Financial Tornadoes

    NASA Astrophysics Data System (ADS)

    Jakimowicz, Aleksander

    In contemporary economies classic business cycles are increasingly changing their form undergoing a transformation into phenomena that have been nicknamed financial tornados. A generalization of the Lotka-Volterra model can be used to describe these fast-changing processes. Economically speaking, the most useful are such dynamical systems in which wormholes appear. This article features application of a model with one population of prey and two populations of predators in order to explain the global financial crisis and the consequent phenomena.

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

    PubMed Central

    Kruger, Daniel J.; Cupal, Suzanne; Zimmerman, Marc A.

    2016-01-01

    Introduction 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. Methods 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. Results 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). Conclusion 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. PMID:27055263

  13. Key components of financial-analysis education for clinical nurses.

    PubMed

    Lim, Ji Young; Noh, Wonjung

    2015-09-01

    In this study, we identified key components of financial-analysis education for clinical nurses. We used a literature review, focus group discussions, and a content validity index survey to develop key components of financial-analysis education. First, a wide range of references were reviewed, and 55 financial-analysis education components were gathered. Second, two focus group discussions were performed; the participants were 11 nurses who had worked for more than 3 years in a hospital, and nine components were agreed upon. Third, 12 professionals, including professors, nurse executive, nurse managers, and an accountant, participated in the content validity index. Finally, six key components of financial-analysis education were selected. These key components were as follows: understanding the need for financial analysis, introduction to financial analysis, reading and implementing balance sheets, reading and implementing income statements, understanding the concepts of financial ratios, and interpretation and practice of financial ratio analysis. The results of this study will be used to develop an education program to increase financial-management competency among clinical nurses. PMID:25917407

  14. The Convergence between Self-reports and Observer Ratings of Financial Skills and Direct Assessment of Financial Capabilities in Patients with Schizophrenia: More Detail is Not Always Better

    PubMed Central

    Harvey, Philip D.; Stone, Laura; Lowenstein, David; Czaja, Sara J.; Heaton, Robert K.; Patterson, Thomas L

    2013-01-01

    Despite multiple lines of evidence suggesting that people with schizophrenia tend to overestimate their ability to perform everyday tasks such as money management, self-report methods are still widely used to assess functioning. In today’s technology driven financial world patients are faced with increasingly complex financial management tasks. To meet these challenges adequate financial skills are required. Thus, accurate assessments of these abilities are critical to decisions regarding a patient’s need for support such as a financial trustee. As part of the larger VALERO study, 195 patients with schizophrenia were asked to self-report their everyday financial skills (five common financial tasks) with the Independent Living Skills Survey (ILSS). They were also assessed with performance-based measures of neuro-cognition and functional capacity with a focus on financial skills. In addition, a friend, relative, or clinician informant was interviewed with the ILSS and a best estimate rating of functioning was generated. Scores on the performance-based measures of financial skills and neuropsychological tests were uncorrelated with self-reported financial activities. Interviewer and all informant judgments of financial abilities were also minimally correlated with performance on functional skills tests. Discrete financial skills appear to be challenging for clinicians to rate with accuracy without the use of direct assessments. Direct assessment of financial skills seems prudent when making determinations about the need for guardianship or other financial supervision. PMID:23537475

  15. A survey of surveys

    SciTech Connect

    Kent, S.M.

    1994-11-01

    A new era for the field of Galactic structure is about to be opened with the advent of wide-area digital sky surveys. In this article, the author reviews the status and prospects for research for 3 new ground-based surveys: the Sloan Digital Sky Survey (SDSS), the Deep Near-Infrared Survey of the Southern Sky (DENIS) and the Two Micron AU Sky Survey (2MASS). These surveys will permit detailed studies of Galactic structure and stellar populations in the Galaxy with unprecedented detail. Extracting the information, however, will be challenging.

  16. Persistence and financial markets

    NASA Astrophysics Data System (ADS)

    Jain, S.

    2007-09-01

    The persistence phenomenon is studied in a financial context by using a novel mapping of the time evolution of the values of shares in a portfolio onto Ising spins. The method is applied to historical data from the London Financial Times Stock Exchange 100 index (FTSE 100) over an arbitrarily chosen period. By following the time dependence of the spins, we find evidence for a power law decay of the proportion of shares that remain either above or below their ‘starting’ values. As a result, we estimate a persistence exponent for the underlying financial market to be ≈0.5. Preliminary results from computer simulations on persistence in the economic dynamics of a toy model appear to reproduce the behaviour observed in real markets.

  17. Vector financial rogue waves

    NASA Astrophysics Data System (ADS)

    Yan, Zhenya

    2011-11-01

    The coupled nonlinear volatility and option pricing model presented recently by Ivancevic is investigated, which generates a leverage effect, i.e., stock volatility is (negatively) correlated to stock returns, and can be regarded as a coupled nonlinear wave alternative of the Black-Scholes option pricing model. In this Letter, we analytically propose vector financial rogue waves of the coupled nonlinear volatility and option pricing model without an embedded w-learning. Moreover, we exhibit their dynamical behaviors for chosen different parameters. The vector financial rogue wave (rogon) solutions may be used to describe the possible physical mechanisms for the rogue wave phenomena and to further excite the possibility of relative researches and potential applications of vector rogue waves in the financial markets and other related fields.

  18. Surveying Future Surveys

    NASA Astrophysics Data System (ADS)

    Carlstrom, John E.

    2016-06-01

    The now standard model of cosmology has been tested and refined by the analysis of increasingly sensitive, large astronomical surveys, especially with statistically significant millimeter-wave surveys of the cosmic microwave background and optical surveys of the distribution of galaxies. This talk will offer a glimpse of the future, which promises an acceleration of this trend with cosmological information coming from new surveys across the electromagnetic spectrum as well as particles and even gravitational waves.

  19. Study of Program Management Procedures in the Basic Grant and Campus Based Programs: Analysis of the Institutional Administration of Student Financial Aid Programs Using Data Collected in the Institutional Mail Survey.

    ERIC Educational Resources Information Center

    Felder, Joseph; Ring, David

    The effectiveness and efficiency of procedures employed by the federal government and participating education institutions to operate and manage the campus based and Basic Educational Opportunity Grant assistance programs are evaluated. Information was obtained by mail surveys of 756 colleges and universities. An overview is presented of the…

  20. Examining Financial Literacy among Transfer and Nontransfer Students: Predicting Financial Well-Being and Academic Success at a Four-Year University

    ERIC Educational Resources Information Center

    Starobin, Soko S.; Hagedorn, Linda Serra; Purnamasari, Agustina; Chen, Yu

    2013-01-01

    This study analyzes the data collected through the Financial Literacy project conducted in the fall semester of 2010 at a land grant research university in the Midwest. A survey instrument, which includes 43 items that measure constructs such as parental influence, financial knowledge and behaviors, and working experience of students while…

  1. EERE Financial Opportunities

    SciTech Connect

    2012-04-19

    The Office of Energy Efficiency and Renewable Energy (EERE) works with business, industry, universities, and others to increase the use of renewable energy and energy efficiency technologies. One way EERE encourages the growth of these technologies is by offering financial assistance opportunities for their development and demonstration.

  2. Financial Management Assistant.

    ERIC Educational Resources Information Center

    Ohio State Univ., Columbus. Center on Education and Training for Employment.

    This publication contains 19 subjects appropriate for use in a competency list for the occupation of financial management assistant, 1 of 12 occupations within the business/computer technologies cluster. Each unit consists of a number of competencies; a list of competency builders is provided for each competency. Titles of the 19 units are as…

  3. Increasing Financial Security

    ERIC Educational Resources Information Center

    Kiss, Elizabeth

    2006-01-01

    Earning, spending, saving and investing, and using credit are important aspects of money management that teens need to understand as they move into adulthood. Family and consumer sciences (FCS) professionals have a long history of addressing this important life skill. This brief article describes the High School Financial Planning Program (HSFPP),…

  4. Comprehensive Financial Plan.

    ERIC Educational Resources Information Center

    Prince George's Community Coll., Largo, MD. Office of Institutional Research and Analysis.

    Pursuant to Maryland Higher Education Commission guidelines, this comprehensive financial plan for fiscal year (FY) 1994-98 for Prince George's Community College (PGCC) provides data on fiscal trends, strategic goals, and cost containment measures planned by the college. Following introductory materials and information on PGCC's mission, five sets…

  5. Issue of Financial Capability

    ERIC Educational Resources Information Center

    Hasek, Roman; Petraskova, Vladimira

    2010-01-01

    For most people, including students, it is not easy to have a good grasp of the basic terms in the field of finance and of their interrelations, in particular due to the fact that the offer for financial products keeps changing and its statement is frequently unclear, insincere and confusing. The Pedagogical Faculty of the University of South…

  6. Financial socialization of first-year college students: the roles of parents, work, and education.

    PubMed

    Shim, Soyeon; Barber, Bonnie L; Card, Noel A; Xiao, Jing Jian; Serido, Joyce

    2010-12-01

    This cross-sectional study tests a conceptual financial socialization process model, specifying four-levels that connect anticipatory socialization during adolescence to young adults' current financial learning, to their financial attitudes, and to their financial behavior. A total of 2,098 first-year college students (61.9% females) participated in the survey, representing a diverse ethnic group (32.6% minority participation: Hispanic 14.9%, Asian/Asian American 9%, Black 3.4%, Native American 1.8% and other 3.5%). Structural equation modeling indicated that parents, work, and high school financial education during adolescence predicted young adults' current financial learning, attitude and behavior, with the role played by parents substantially greater than the role played by work experience and high school financial education combined. Data also supported the proposed hierarchical financial socialization four-level model, indicating that early financial socialization is related to financial learning, which in turn is related to financial attitudes and subsequently to financial behavior. The study presents a discussion of how the theories of consumer socialization and planned behavior were combined effectively to depict the financial development of young adults. Several practical implications are also provided for parents, educators and students. PMID:20938727

  7. Workplace Financial Education Facilitates Improvement in Personal Financial Behaviors

    ERIC Educational Resources Information Center

    Prawitz, Aimee D.; Cohart, Judith

    2014-01-01

    Based on the life-cycle theory of consumption, this quasi-experimental study of 995 employees examined changes in financial behaviors following employee-needs-driven workplace financial education. Repeated-measures ANOVA compared participants and non-participants on perceived financial wellness and savings ratios; main effects indicated that both…

  8. Financial Planners: Educating Widows in Personal Financial Planning

    ERIC Educational Resources Information Center

    Korb, Brian R.

    2010-01-01

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

  9. Financial Stress and Financial Counseling: Helping College Students

    ERIC Educational Resources Information Center

    Britt, Sonya L.; Canale, Anthony; Fernatt, Fred; Stutz, Kristen; Tibbetts, Racquel

    2015-01-01

    This study had two distinct purposes. First, to determine the predictors of financial stress among college students who sought free peer-based financial counseling from a large Midwestern university (N = 675). Secondly, to determine the effectiveness of the particular financial counseling center from a subsample of those who sought help (N = 97).…

  10. Inmate Perceptions of Financial Education Needs: Suggestions for Financial Educators

    ERIC Educational Resources Information Center

    Call, Lindsay Larson; Dyer, W. Justin; Wiley, Angela R.; Day, Randal D.

    2013-01-01

    Recently, national attention has turned to the need for increased financial education, particularly for low-income populations. Incarcerated individuals represent a growing low-income group with unique needs that could likely benefit from financial education. However, few studies have examined the specific financial education needs of inmates,…

  11. Radiology applications of financial accounting.

    PubMed

    Leibenhaut, Mark H

    2005-03-01

    A basic knowledge of financial accounting can help radiologists analyze business opportunities and examine the potential impacts of new technology or predict the adverse consequences of new competitors entering their service area. The income statement, balance sheet, and cash flow statement are the three basic financial statements that document the current financial position of the radiology practice and allow managers to monitor the ongoing financial operations of the enterprise. Pro forma, or hypothetical, financial statements can be generated to predict the financial impact of specific business decisions or investments on the profitability of the practice. Sensitivity analysis, or what-if scenarios, can be performed to determine the potential impact of changing key revenue, investment, operating cost or financial assumptions. By viewing radiology as both a profession and a business, radiologists can optimize their use of scarce economic resources and maximize the return on their financial investments. PMID:17411807

  12. Financial Management: An Organic Approach

    ERIC Educational Resources Information Center

    Laux, Judy

    2013-01-01

    Although textbooks present corporate finance using a topical approach, good financial management requires an organic approach that integrates the various assignments financial managers confront every day. Breaking the tasks into meaningful subcategories, the current article offers one approach.

  13. Financial Literacy Education for Women

    ERIC Educational Resources Information Center

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

    2014-01-01

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

  14. Financial literacy among Turkish college students: the role of formal education, learning approaches, and parental teaching.

    PubMed

    Akben-Selcuk, Elif; Altiok-Yilmaz, Ayse

    2014-10-01

    This study assessed financial literacy and its correlates among Turkish college students, with special emphasis on the role of formal education, learning approaches, and parental influences. Financial literacy was measured by the College Student Financial Literacy Survey, which assesses knowledge in four areas: general financial management, saving and borrowing, insurance, and investing. 853 Turkish university students were administered the survey (416 men, 437 women; M age = 20.3 yr., SD = 0.6). The mean percentage of correct responses was 45% (SD = 12.8%). Regression results showed that formal finance education in college, a deep approach to learning, and direct financial teaching by parents were significantly associated with higher financial literacy scores. PMID:25153844

  15. Forecasting Financial Priorities for Technology.

    ERIC Educational Resources Information Center

    Ringle, Martin D.

    1997-01-01

    Argues that, with technology costs and revenue opportunities changing rapidly, colleges' future financial strategies concerning technology will have to be more agile and adaptable than ever. Presents financial models from 20 independent colleges and universities, and discusses how they have been used to define a financial strategy for technology…

  16. Strategic Planning and Financial Management

    ERIC Educational Resources Information Center

    Conneely, James F.

    2010-01-01

    Strong financial management is a strategy for strategic planning success in student affairs. It is crucial that student affairs professionals understand the necessity of linking their strategic planning with their financial management processes. An effective strategic planner needs strong financial management skills to implement the plan over…

  17. A financial network perspective of financial institutions' systemic risk contributions

    NASA Astrophysics Data System (ADS)

    Huang, Wei-Qiang; Zhuang, Xin-Tian; Yao, Shuang; Uryasev, Stan

    2016-08-01

    This study considers the effects of the financial institutions' local topology structure in the financial network on their systemic risk contribution using data from the Chinese stock market. We first measure the systemic risk contribution with the Conditional Value-at-Risk (CoVaR) which is estimated by applying dynamic conditional correlation multivariate GARCH model (DCC-MVGARCH). Financial networks are constructed from dynamic conditional correlations (DCC) with graph filtering method of minimum spanning trees (MSTs). Then we investigate dynamics of systemic risk contributions of financial institution. Also we study dynamics of financial institution's local topology structure in the financial network. Finally, we analyze the quantitative relationships between the local topology structure and systemic risk contribution with panel data regression analysis. We find that financial institutions with greater node strength, larger node betweenness centrality, larger node closeness centrality and larger node clustering coefficient tend to be associated with larger systemic risk contributions.

  18. 76 FR 23859 - Financial Management Service Proposed Collection of Information; Financial Institution Agreement...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-28

    ... Fiscal Service Financial Management Service Proposed Collection of Information; Financial Institution... the Financial Institution Agreement and Application AGENCY: Financial Management Service, Fiscal Service, Treasury. ACTION: Notice and request for comments. SUMMARY: The Financial Management Service,...

  19. Communication impacting financial markets

    NASA Astrophysics Data System (ADS)

    Vitting Andersen, Jørgen; Vrontos, Ioannis; Dellaportas, Petros; Galam, Serge

    2014-10-01

    Since the attribution of the Nobel prize in 2002 to Kahneman for prospect theory, behavioral finance has become an increasingly important subfield of finance. However the main parts of behavioral finance, prospect theory included, understand financial markets through individual investment behavior. Behavioral finance thereby ignores any interaction between participants. We introduce a socio-financial model (Vitting Andersen J. and Nowak A., An Introduction to Socio-Finance (Springer, Berlin) 2013) that studies the impact of communication on the pricing in financial markets. Considering the simplest possible case where each market participant has either a positive (bullish) or negative (bearish) sentiment with respect to the market, we model the evolution of the sentiment in the population due to communication in subgroups of different sizes. Nonlinear feedback effects between the market performance and changes in sentiments are taken into account by assuming that the market performance is dependent on changes in sentiments (e.g., a large sudden positive change in bullishness would lead to more buying). The market performance in turn has an impact on the sentiment through the transition probabilities to change an opinion in a group of a given size. The idea is that if for example the market has observed a recent downturn, it will be easier for even a bearish minority to convince a bullish majority to change opinion compared to the case where the meeting takes place in a bullish upturn of the market. Within the framework of our proposed model, financial markets stylized facts such as volatility clustering and extreme events may be perceived as arising due to abrupt sentiment changes via ongoing communication of the market participants. The model introduces a new volatility measure which is apt of capturing volatility clustering and from maximum-likelihood analysis we are able to apply the model to real data and give additional long term insight into where a market is

  20. Financial problems and cooperation

    SciTech Connect

    Izquierdo, J.

    1994-12-31

    For a Bank, an usual way to attract new clients is by offering better interest rates depending on the amount of money that the client deposits in an account: {open_quotes}The more money you have the higher interest rate you get{close_quotes}. For a company is also a common practice to offer their clients discounts connected with the number of units of the product they order: {open_quotes}The more you order, the lower price per unit you pay{close_quotes}. From these situations arises the possibility to take profit if the clients cooperate and join their money or their orders. Hence, we define a new class of cooperative games called Financial Games. We study basic properties and necessary conditions for a game to belong to this class of games and we define the concept of duality for Financial games. The core is always non-empty and, moreover, Financial games are always totally balanced. We look at some special amputations lying in the Core and we study the reduced game on the j{sup th} player at {rvec x} where x{sub j} = b{sub j} = v(N) {minus} v(N {minus} j).

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

    ERIC Educational Resources Information Center

    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…

  2. Financial Structure and Economic Welfare: Applied General Equilibrium Development Economics

    PubMed Central

    Townsend, Robert

    2010-01-01

    This review provides a common framework for researchers thinking about the next generation of micro-founded macro models of growth, inequality, and financial deepening, as well as direction for policy makers targeting microfinance programs to alleviate poverty. Topics include treatment of financial structure general equilibrium models: testing for as-if-complete markets or other financial underpinnings; examining dual-sector models with both a perfectly intermediated sector and a sector in financial autarky, as well as a second generation of these models that embeds information problems and other obstacles to trade; designing surveys to capture measures of income, investment/savings, and flow of funds; and aggregating individuals and households to the level of network, village, or national economy. The review concludes with new directions that overcome conceptual and computational limitations. PMID:21037939

  3. Private Investment Purchase and Nursing Home Financial Health

    PubMed Central

    Cadigan, Rebecca Orfaly; Stevenson, David G; Caudry, Daryl J; Grabowski, David C

    2015-01-01

    Objective To explore the impact of nursing home acquisition by private investment firms on nursing home costs, revenue, and overall financial health. Data Sources Merged data from the Medicare Cost Reports and the Online Survey, Certification, and Reporting system for the period 1998–2010. Study Design Regression specification incorporating facility and time fixed effects. Principal Findings We found little impact on the financial health of nursing homes following purchase by private investment companies. However, our findings did suggest that private investment firms acquired nursing home chains in good financial health, possibly to derive profit from the company’s real estate holdings. Conclusions Private investment acquired facilities are an important feature of today’s nursing home sector. Although we did not observe a negative impact on the financial health of nursing homes, this development raises important issues about ownership oversight and transparency for the entire nursing home sector. PMID:25104476

  4. Credit Card Usage among Older Adults: Assessing Financial Literacy and Pressures

    ERIC Educational Resources Information Center

    St. Pierre, Eileen; Shreffler, Karina

    2013-01-01

    The research reported here assessed the financial literacy of older adults living in rural communities, current use of and attitudes towards debt, and debt pressures. Those surveyed exhibit low credit card usage and responsible payment practices. Most never use credit to pay medical expenses. Respondents display a financial literacy level similar…

  5. Efficient Financial Management in Rural Schools: Common Problems and Solutions from the Field. ERIC Digest.

    ERIC Educational Resources Information Center

    Inman-Freitas, Deborah

    Based on a recent nationwide survey of rural administrators, this digest reports on the financial problems of rural school districts and some possible strategies for improvement. Rural administrators reported the following financial management problems: (1) cash flow problems due to late receipt of state aid or taxes; (2) expenditures that are…

  6. Socioeconomic and Attitudinal Variables as Predictors of Voting Behavior in School Financial Referenda.

    ERIC Educational Resources Information Center

    Ritter, James R.

    A survey instrument containing 46 socioeconomic and attitudinal items was administered to a sample of 452 registered voters in the Columbia (Missouri) School District. Three past financial elections and two hypothetical future financial elections were chosen in order to describe and analyze the relationships between socioeconomic and attitudinal…

  7. Educational Attainment and Financial Satisfaction: The Changing Economic Value of a College Degree

    ERIC Educational Resources Information Center

    Menard, Lauren Ann

    2014-01-01

    Dwindling American financial satisfaction and growing college degree attainment were revealed in national social survey data spanning more than four decades (N = 57,061). Against these backdrops, associations between being financially satisfied and having a college degree grew stronger in each decade, with the strongest association between…

  8. Effect of Personal Financial Knowledge on College Students' Credit Card Behavior

    ERIC Educational Resources Information Center

    Robb, Cliff A.; Sharpe, Deanna L.

    2009-01-01

    Analysis of survey data collected from 6,520 students at a large Midwestern University affirmed that financial knowledge is a significant factor in the credit card decisions of college students but not entirely in expected ways. Results of a double hurdle analysis indicated that students with relatively higher levels of financial knowledge were…

  9. The Moving Target: Student Financial Aid and Community College Student Retention

    ERIC Educational Resources Information Center

    Kennamer, Michael A.; Katsinas, Stephen G.; Schumacker, Randall E.

    2011-01-01

    This article reviews recent literature on student financial aid as a retention tool at community colleges. Enrollment and tuition data from the National Center for Education Statistics (NCES) Integrated Postsecondary Education Data System (IPEDS), and federal direct grant student aid data from the IPEDS Student Financial Aid Survey are used to…

  10. Perceptions of the Software Skills of Graduates by Employers in the Financial Services Industry

    ERIC Educational Resources Information Center

    Kyng, Tim; Tickle, Leonie; Wood, Leigh N.

    2013-01-01

    Software, particularly spreadsheet software, is ubiquitous in the financial services workplace. Yet little is known about the extent to which universities should, and do, prepare graduates for this aspect of the modern workplace. We have investigated this issue through a survey of financial services employers of graduates, the results of which are…

  11. Adoption and Perceived Effectiveness of Financial Improvement Strategies in Critical Access Hospitals

    ERIC Educational Resources Information Center

    Holmes, George M.; Pink, George H.

    2012-01-01

    Purpose: To ascertain the use and perceived success of strategies to improve the financial performance of Critical Access Hospitals (CAHs). Methods: Information about the use and perceived effectiveness of 44 specific strategies to improve financial performance was collected from an online survey of 291 CAH Chief Executive Officers and Chief…

  12. Identifying Sources of Stress in Financial Aid Offices: Where to Apply the Tourniquet.

    ERIC Educational Resources Information Center

    Krug, Ted; Levy, Steven

    1988-01-01

    A survey of California college and university financial aid offices resulted in a rank-ordered list of 39 chronic stressors and similar rankings of stressors for each sector and job classification, and by employee gender. (MSE)

  13. Integrated Financial Management Program

    NASA Technical Reports Server (NTRS)

    Pho, Susan

    2004-01-01

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

  14. Financial Support for Institutional Research, 1969-70.

    ERIC Educational Resources Information Center

    Pieper, W. C., Jr.

    The Association for Institutional Research conducted a survey of all institutions of higher education in the U.S. and Canada in order to assess the number, size, and financial support of institutional research offices. Data were requested for the 1969-70 academic year. This report is based on the responses of 1,444 institutions that returned the…

  15. Teen Financial Literacy Evaluated To Develop Outreach Materials.

    ERIC Educational Resources Information Center

    Varcoe, Karen; Peterson, Shirley; Go, Charles; Johns, Margaret; Rene-Fitch, Paula; Powell, Carol; Costello, Connie

    2002-01-01

    Surveys of 323 southern California teenagers in schools, migrant education programs, delinquency programs, pregnancy programs, and youth groups examined their financial management information needs. Respondents wanted to know about checking and savings accounts, obtaining credit, and buying cars and clothing/personal care items. A newsletter…

  16. Who Gets More Financial Aid in China? A Multilevel Analysis

    ERIC Educational Resources Information Center

    Yang, Po

    2010-01-01

    The Chinese financial aid system intends to increase the affordability of postsecondary education and provide access to college for disadvantaged students. However, the research base for access to aid in China is extremely thin. Using data from a large cross-sectional survey in Beijing, this study found that attending selective institutions with…

  17. Gender Differences in Financial Literacy among Hong Kong Workers

    ERIC Educational Resources Information Center

    Yu, Kar-Ming; Wu, Alfred M.; Chan, Wai-Sum; Chou, Kee-Lee

    2015-01-01

    Using a phone survey conducted in 2012, we examined whether there is a gender difference in financial literacy among Hong Kong workers; and if such a difference exists, whether it can be explained by gender differences in sociodemographic variables, social or psychological factors, and/or the outcomes of retirement planning. Results show a gender…

  18. Recommended Procedures for the Internal Financial Auditing of University Libraries.

    ERIC Educational Resources Information Center

    Kurth, William H.; Zubatsky, David S.

    This study develops a generalized procedure for the internal financial auditing of university libraries. It identifies critical internal control points in library operations, and develops questions to measure and evaluate fiscal operations effectiveness. Auditing data and advice were gathered from a survey of 87 members of the Association of…

  19. Education and Training and the Avoidance of Financial Disadvantage

    ERIC Educational Resources Information Center

    Marks, Gary N.

    2011-01-01

    Making use of the longitudinal data from the Household, Income and Labour Dynamics in Australia (HILDA) survey, this study examines the relationship between post-school qualifications and financial disadvantage among Australians during the period 2001 to 2008. Specifically, it is concerned with the extent that education and training, vis-a-vis…

  20. How to Implement the NCAA Financial Audit Guidelines.

    ERIC Educational Resources Information Center

    Connolly, Lawrence C., Jr.; And Others

    1987-01-01

    Suggestions for implementing new National Collegiate Athletic Association guidelines for intercollegiate athletics program financial audits include forming an internal task force, preparing an organization chart, choosing the type of audit, conducting a survey of booster groups, preparing a schedule of revenues and expenditures, selecting an…

  1. Managing Learning Climates in a Financial Services Organisation.

    ERIC Educational Resources Information Center

    Cunningham, Pat; Iles, Paul

    2002-01-01

    Survey and case study data were used to assess the learning climate in a financial services organization. Over 80% of staff felt training was connected to their jobs; 50% believed team leaders helped learning transfer; 88% thought management was committed to promoting learning. However, managers did not believe there was a positive learning…

  2. High School and Beyond Financial Aid Supplement: Methodology Report.

    ERIC Educational Resources Information Center

    Smith, James E.; And Others

    In the spring of 1980, the High School and Beyond (HSB) base year survey collected data from about 28,000 seniors and about 30,000 sophomores in more than 1,000 secondary schools. This supplement was designed to collect data concerning the methodology associated with the receipt of postsecondary financial aid within the first 4 years after high…

  3. The Academic Impact of Financial Stress on College Students

    ERIC Educational Resources Information Center

    Joo, So-Hyun; Durband, Dorothy Bagwell; Grable, John

    2009-01-01

    Staying in school and graduating on time is an important factor for students and their families. Greater financial burdens may lead students to reduce coursework or drop out of school for paid work. A Web-based survey (N = 503) was conducted in fall 2004 at a large public university to examine the characteristics of students who experienced…

  4. Family Background, Financial Constraints and Higher Education Attendance in China

    ERIC Educational Resources Information Center

    Li, Wenli

    2007-01-01

    Using data from the 2004 China College Student Survey, conducted by the author, this paper finds that long-term factors such as scholastic ability and parental education are significantly correlated with higher education attendance. By contrast, short-term financial constraints are also significantly associated with higher education access, but to…

  5. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Financial derivatives. 563.172 Section 563.172...-OPERATIONS Financial Management Policies § 563.172 Financial derivatives. (a) What is a financial derivative? A financial derivative is a financial contract whose value depends on the value of one or...

  6. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Financial derivatives. 563.172 Section 563.172...-OPERATIONS Financial Management Policies § 563.172 Financial derivatives. (a) What is a financial derivative? A financial derivative is a financial contract whose value depends on the value of one or...

  7. 12 CFR 390.352 - Financial derivatives.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 5 2013-01-01 2013-01-01 false Financial derivatives. 390.352 Section 390.352... Financial derivatives. (a) What is a financial derivative? A financial derivative is a financial contract... common types of financial derivatives are futures, forward commitments, options, and swaps. A...

  8. 12 CFR 163.172 - Financial derivatives.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Financial derivatives. 163.172 Section 163.172...-OPERATIONS Financial Management Policies § 163.172 Financial derivatives. (a) What is a financial derivative? A financial derivative is a financial contract whose value depends on the value of one or...

  9. 12 CFR 390.352 - Financial derivatives.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 5 2012-01-01 2012-01-01 false Financial derivatives. 390.352 Section 390.352... Financial derivatives. (a) What is a financial derivative? A financial derivative is a financial contract... common types of financial derivatives are futures, forward commitments, options, and swaps. A...

  10. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 6 2012-01-01 2012-01-01 false Financial derivatives. 563.172 Section 563.172...-OPERATIONS Financial Management Policies § 563.172 Financial derivatives. (a) What is a financial derivative? A financial derivative is a financial contract whose value depends on the value of one or...

  11. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Financial derivatives. 563.172 Section 563.172...-OPERATIONS Financial Management Policies § 563.172 Financial derivatives. (a) What is a financial derivative? A financial derivative is a financial contract whose value depends on the value of one or...

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

    PubMed

    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. PMID:7584816

  13. In states' hands: how the decision to expand Medicaid will affect the most financially vulnerable Americans: findings from the Commonwealth Fund Health Insurance Tracking Surveys of U.S. Adults, 2011 and 2012.

    PubMed

    Rasmussen, Petra W; Collins, Sara R; Doty, Michelle M; Garber, Tracy

    2013-09-01

    Between 2010 and 2012, nearly one-third (32%) of U.S. adults ages 19 to 64, or an estimated 55 million people, were either continuously uninsured or spent a period of time uninsured. Data from the 2011 and 2012 Commonwealth Fund Health Insurance Tracking Surveys of U.S. Adults show that people with incomes below 133 percent of the federal poverty level (i.e., the level that will make them eligible for Medicaid in 2014 under the Affordable Care Act) were uninsured at the highest rates. Yet, fewer than half the states are currently planning to expand their Medicaid programs, because the 2012 Supreme Court decision allows states to choose whether to expand eligibility. In those states that have not yet decided to expand, as many as two of five (42%) adults who were uninsured for any time over the two years would not have access to the new coverage provisions in the law. PMID:24044139

  14. mba.com Prospective Students Survey. 2015 Survey Report

    ERIC Educational Resources Information Center

    Schoenfeld, Gregg

    2015-01-01

    This 2015 "mba.com Prospective Students Survey Report" explores the motivations, career goals, preferred program types, financial choices, decision time lines, and intended study destinations of individuals interested in pursuing a graduate management education. Findings analyzed in the report represent responses from nearly 12,000…

  15. Financial Literacy, Financial Education and Economic Outcomes. NBER Working Paper No. 18412

    ERIC Educational Resources Information Center

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

    2012-01-01

    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…

  16. Financial accounting for radiology executives.

    PubMed

    Seidmann, Abraham; Mehta, Tushar

    2005-03-01

    The authors review the role of financial accounting information from the perspective of a radiology executive. They begin by introducing the role of pro forma statements. They discuss the fundamental concepts of accounting, including the matching principle and accrual accounting. The authors then explore the use of financial accounting information in making investment decisions in diagnostic medical imaging. The paper focuses on critically evaluating the benefits and limitations of financial accounting for decision making in a radiology practice. PMID:17411806

  17. Welfare Gains from Financial Liberalization

    PubMed Central

    Townsend, Robert M.; Ueda, Kenichi

    2010-01-01

    Financial liberalization has been a controversial issue, as empirical evidence for growth enhancing effects is mixed. Here, we find sizable welfare gains from liberalization (cost to repression), though the gain in economic growth is ambiguous. We take the view that financial liberalization is a government policy that alters the path of financial deepening, while financial deepening is endogenously chosen by agents given a policy and occurs in transition towards a distant steady state. This history-dependent view necessitates the use of simulation analysis based on a growth model. Our application is a specific episode: Thailand from 1976 to 1996. PMID:20806055

  18. Program Description: Financial Master File Processor-SWRL Financial System.

    ERIC Educational Resources Information Center

    Ideda, Masumi

    Computer routines designed to produce various management and accounting reports required by the Southwest Regional Laboratory's (SWRL) Financial System are described. Input data requirements and output report formats are presented together with a discussion of the Financial Master File updating capabilities of the system. This document should be…

  19. The Impact of Financial Literacy Education on Subsequent Financial Behavior

    ERIC Educational Resources Information Center

    Mandell, Lewis; Klein, Linda Schmid

    2009-01-01

    This study examined the differential impact on 79 high school students of a personal financial management course completed 1 to 4 years earlier. This study used a matched sample design based on a school system's records to identify students who had and had not taken a course in personal financial management. The findings indicated that those who…

  20. Understanding Financial Innovation: An Introduction to Derivative Financial Products.

    ERIC Educational Resources Information Center

    Robinson, J. N.

    1992-01-01

    Explains the use of forwards, futures, swaps, and options in international currency trading. Argues that pricing options are based on the same basic principles as pricing other financial instruments. Concludes that, although financial markets have developed several new products, hedging and speculation involve similar processes. (CFR)

  1. The Intersection of Financial Exploitation and Financial Capacity

    PubMed Central

    Lichtenberg, P.A.

    2016-01-01

    Research in the past decade has documented that financial exploitation of older adults has become a major problem and Psychology is only recently increasing its presence in efforts to reduce exploitation. During the same time period, Psychology has been a leader in setting best practices for the assessment of diminished capacity in older adults culminating in the 2008 ABA/APA joint publication on a handbook for psychologists. Assessment of financial decision making capacity is often the cornerstone assessment needed in cases of financial exploitation. This paper will examine the intersection of financial exploitation and decision making capacity; introduce a new conceptual model and new tools for both the investigation and prevention of financial exploitation. PMID:27159438

  2. Financial Knowledge and Best Practice Behavior

    ERIC Educational Resources Information Center

    Robb, Cliff A.; Woodyard, Ann S.

    2011-01-01

    The current research examines the relationship between personal financial knowledge (both objective and subjective), financial satisfaction, and selected demographic variables in terms of best practice financial behavior. Data are taken from the Financial Industry Regulatory Authority's (FINRA) National Financial Capability Study, a nationally…

  3. 7 CFR 3052.310 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Financial statements. 3052.310 Section 3052.310 Agriculture Regulations of the Department of Agriculture (Continued) OFFICE OF THE CHIEF FINANCIAL OFFICER....310 Financial statements. (a) Financial statements. The auditee shall prepare financial...

  4. 29 CFR 99.310 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Financial statements. 99.310 Section 99.310 Labor Office of....310 Financial statements. (a) Financial statements. The auditee shall prepare financial statements that reflect its financial position, results of operations or changes in net assets, and,...

  5. 7 CFR 3052.310 - Financial statements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 15 2011-01-01 2011-01-01 false Financial statements. 3052.310 Section 3052.310 Agriculture Regulations of the Department of Agriculture (Continued) OFFICE OF THE CHIEF FINANCIAL OFFICER....310 Financial statements. (a) Financial statements. The auditee shall prepare financial...

  6. 29 CFR 99.310 - Financial statements.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 29 Labor 1 2011-07-01 2011-07-01 false Financial statements. 99.310 Section 99.310 Labor Office of....310 Financial statements. (a) Financial statements. The auditee shall prepare financial statements that reflect its financial position, results of operations or changes in net assets, and,...

  7. 29 CFR 99.310 - Financial statements.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 29 Labor 1 2013-07-01 2013-07-01 false Financial statements. 99.310 Section 99.310 Labor Office of....310 Financial statements. (a) Financial statements. The auditee shall prepare financial statements that reflect its financial position, results of operations or changes in net assets, and,...

  8. 29 CFR 99.310 - Financial statements.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 29 Labor 1 2012-07-01 2012-07-01 false Financial statements. 99.310 Section 99.310 Labor Office of....310 Financial statements. (a) Financial statements. The auditee shall prepare financial statements that reflect its financial position, results of operations or changes in net assets, and,...

  9. 7 CFR 3052.310 - Financial statements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 15 2014-01-01 2014-01-01 false Financial statements. 3052.310 Section 3052.310 Agriculture Regulations of the Department of Agriculture (Continued) OFFICE OF THE CHIEF FINANCIAL OFFICER....310 Financial statements. (a) Financial statements. The auditee shall prepare financial...

  10. 29 CFR 99.310 - Financial statements.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 29 Labor 1 2014-07-01 2013-07-01 true Financial statements. 99.310 Section 99.310 Labor Office of....310 Financial statements. (a) Financial statements. The auditee shall prepare financial statements that reflect its financial position, results of operations or changes in net assets, and,...

  11. The Objective of Financial Reporting.

    ERIC Educational Resources Information Center

    Schermann, Kenneth R.

    1986-01-01

    Alerts public school business officials to a financial reporting concepts statement to be issued by the Governmental Accounting Standards Board in late 1986. The new directive will outline four objectives concerned with accountability procedures, resource management and compliance information, operating results, and future financial capabilities.…

  12. Financial Resources for Disabled Individuals.

    ERIC Educational Resources Information Center

    Institute for Information Studies, Falls Church, VA.

    The guide is intended to provide a practical source of information on financial resources for disabled individuals. Following an introductory chapter is a chapter discussing some fundamental principles useful in increasing the likelihood that a benefit will be awarded. Subsequent chapters contain information on financial assistance programs in…

  13. Financial Scandals and Student Loans

    ERIC Educational Resources Information Center

    Eisenberg, Meyer; Franke, Ann H.

    2007-01-01

    The investigations of student-loan programs around the country echo previous scandals in the financial world involving stock offerings and mutual funds. The relationships between lenders and financial-aid officers seem to raise the same questions about impropriety, conflict of interest, and possible fraud. Indeed, lessons from Wall Street can…

  14. The Importance of Financial Literacy

    ERIC Educational Resources Information Center

    Kezar, Adrianna; Yang, Hannah

    2010-01-01

    In this article, the authors argue that campus communities must play a more active role in developing financial literacy than they currently do--and not just by providing counseling in moments of emergency. They argue that financial literacy, as a life skill, as a requisite to citizenship, and as a critical intellectual competency, is an essential…

  15. Teaching OOP with Financial Literacy

    ERIC Educational Resources Information Center

    Zhu, Hongwei

    2011-01-01

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

  16. Legislative Mandates and Financial Reporting.

    ERIC Educational Resources Information Center

    Bock, Almon C., II

    1983-01-01

    Asserts the importance of each school business official's responsibility to accurately report the school's financial situation to the state legislature. Uses Minnesota's 33 area vocational technical institutes to illustrate the application of statewide uniform financial accounting and reporting standards to Minnesota public school districts. (JBM)

  17. 75 FR 22680 - Financial Management Service; Proposed Collection of Information: Annual Financial Statement of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-29

    ... Fiscal Service Financial Management Service; Proposed Collection of Information: Annual Financial Statement of Surety Companies--Schedule F AGENCY: Financial Management Service, Fiscal Service, Treasury. ACTION: Notice and Request for comments. SUMMARY: The Financial Management Service, as part of...

  18. The role of non-financial performance measures in predicting hospital financial performance: the case of for-profit system hospitals.

    PubMed

    Vélez-González, Heltie; Pradhan, Rohit; Weech-Maldonado, Robert

    2011-01-01

    Non-financial measures have found increasing acceptance in the business world--however, their application in the health care industry remains limited. The purpose of this article is to understand the influence of non-financial measures (efficiency, productivity, and quality) on the financial performance of for-profit system hospitals. The sample consists of 499 for-profit system hospitals in the United States from 1999 to 2002. Data analyzed include the American Hospital Association's Annual Survey, Medicare Cost Reports, Joint Commission's quality scores, and the Centers for Medicare & Medicaid Services' Hospital Case Mix Index. Dependent variables consist of financial measures (operating and total margins), while independent variables include measures of efficiency, productivity, and quality. Our results suggest the influence of non-financial performance measures on financial performance; occupancy rate positively influences financial performance while greater labor intensity may have negative implications for financial performance. In addition, we show that quality positively influences financial performance thereby offering a potential business case for quality. This result has important managerial and policy implications as it may incentivize capital and human resource investments required to improve hospital quality of care. PMID:22372029

  19. Up-regulation of the Ang II/AT1 receptor may compensate for the loss of gastric antrum ICC via the PI3k/Akt signaling pathway in STZ-induced diabetic mice.

    PubMed

    Zhang, C M; Huang, X; Lu, H L; Meng, X M; Liu, D H; Kim, Young-Chul; Xu, W X

    2016-03-01

    The classic renin-angiotensin system (RAS) is a complex system in which angiotensin II (Ang II) has been identified as an important endogenous regulator that influences both smooth muscle contraction and cell growth. Although a local RAS is known to exist in the gastrointestinal tract, it is unclear whether Ang II is involved in the loss of gastric interstitial cells of Cajal (ICC) in diabetic mice. The present study was designed to investigate the effect of Ang II on ICC survival in streptozotocin (STZ)-induced diabetic mice. Western blot, immunofluorescence, isometric muscle recording, enzyme-linked immunosorbent assay (ELISA) and a cell counting kit-8 were used in this research. Our results demonstrate that the c-Kit and membrane-bound stem cell factor (mSCF) protein expression levels in gastric smooth muscle were decreased in STZ-induced diabetic mice. However, the angiotensin receptor type 1 (AT1R) expression levels in gastric smooth muscle and angiotensin-converting enzyme (ACE) expression levels in gastric mucosa were increased. The effect of Ang II on the tonic contraction of gastric smooth muscle was potentiated in diabetic mice, and the plasma Ang II level was enhanced. Ang II increased mSCF expression, cell proliferation, and Akt-Ser473 phosphorylation in cultured gastric smooth muscle cells (GSMCs). These effects were reduced by specific inhibitors ZD7155 (an AT1R antagonist) and LY294002 (a PI3-kinase inhibitor). Our results suggest that Ang II increases mSCF expression and cell proliferation in cultured GSMCs in a PI3K/Akt signaling-dependent manner. ACE and AT1R up-regulation in the stomach may help compensate for ICC loss in STZ-induced diabetic mice. PMID:26773730

  20. Comparison of the National Green Building Standard (ICC 700-2008) and LEED for Homes to the Residential Provisions of the 2009 IECC for the Delaware Green for Green Program

    SciTech Connect

    Britt, Michelle L.; Makela, Eric J.

    2011-01-30

    Adhering to Delaware’s Green for Green program specifications results in homes being built to more energy-efficient levels than the 2009 IECC levels. Specifically: • Certifying at the Silver Performance Level for the ICC 700 standard using either the Prescriptive or Performance Paths will result in a residential building that is more efficient than if the building only complied with the 2009 IECC. • Certifying at the Silver level under LEED for Homes standard, including mandatory compliance with ENERGY STAR 2006 and earning two additional energy points will result in a residential building that is more efficient than if the building only complied with the 2009 IECC.

  1. 75 FR 72871 - Survey of Information Sharing Practices With Affiliates

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-26

    ... Office of Thrift Supervision Survey of Information Sharing Practices With Affiliates AGENCY: Office of... collection. Title of Proposal: Survey of Information Sharing Practices with Affiliates. OMB Number: 1550-0121... Agencies will gather information by means of a Survey to be completed by financial institutions and...

  2. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 39 Postal Service 1 2011-07-01 2011-07-01 false Requesting financial records from a financial... 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...

  3. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 39 Postal Service 1 2013-07-01 2013-07-01 false Requesting financial records from a financial... 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...

  4. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Requesting financial records from a financial... 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...

  5. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 39 Postal Service 1 2014-07-01 2014-07-01 false Requesting financial records from a financial... 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...

  6. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 39 Postal Service 1 2012-07-01 2012-07-01 false Requesting financial records from a financial... 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...

  7. How To Assess and Enhance Financial Health.

    ERIC Educational Resources Information Center

    Hudack, Lawrence R.; Orsini, Larry L.; Snow, Brenda M.

    2003-01-01

    Describes how Saint Bonaventure University is using a ratio analysis based on a composite financial index to transform itself from an institution with adequate financial resources into a financially vibrant institution. (EV)

  8. Australian baby boomers face retirement during the global financial crisis.

    PubMed

    Kendig, Hal; Wells, Yvonne; O'Loughlin, Kate; Heese, Karla

    2013-01-01

    This paper examines the impact in Australia of the global financial crisis on the baby boom cohort approaching later life. Data from national focus groups of people aged 50 to 64 years (N = 73), conducted in late 2008, found widespread but variable concern and uncertainty concerning work and retirement plans and experiences. A national survey (N = 1,009) of those aged 50 to 64 years in mid-2009 reported lower levels of financial satisfaction compared with other life domains; many planned to postpone retirement. Findings are interpreted in the context of policies and markets that differed significantly from those in the United States, notwithstanding the global nature of the financial crisis. PMID:23837628

  9. Empowering Physicians with Financial Literacy.

    PubMed

    Bar-Or, Yuval

    2015-01-01

    Most doctors complete their medical training without sufficient knowledge of business and finance. This leads to inefficient financial decisions, avoidable losses, and unnecessary anxiety. A big part of the problem is that the existing options for gaining financial knowledge are flawed. The ideal solution is to provide a simple framework of financial literacy to all students: one that can be adapted to their specific circumstances. That framework must be delivered by an objective expert to young physicians before they complete medical training. PMID:26399037

  10. Financial Implications of Curriculum Range.

    ERIC Educational Resources Information Center

    Harrold, Ross

    1978-01-01

    This article attempts to clarify the interdependent nature of curricular and financial aspects of school organization, then to provide a conceptual tool to help administrators consider both aspects concurrently. (Author)

  11. Financial Management and Strategic Planning.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan

    1982-01-01

    Strategic planning involves analysis of risks and opportunities; financial management entails balancing risks and resources to achieve institutional goals. A framework is suggested to help college administrators integrate the two functions. (Author/MSE)

  12. Documenting the birth of a financial economy.

    PubMed

    Suri, Tavneet; Jack, William; Stoker, Thomas M

    2012-06-26

    The birth and explosive growth of mobile money in Kenya has provided economists with an opportunity to study the evolution and impact of a new financial system. Mobile money is an innovation that allows individuals to store, send, and receive money on their mobile phone via text message. This system has opened up basic financial services to many who were previously excluded, and has had real and measurable impacts on the ability of households to protect themselves against health risks. Using a unique survey instrument covering nearly 2,300 households over 2008-2010, we first document the lightning-fast adoption of mobile money in Kenya, which was faster than most documented modern technologies in the United States. We then present evidence on how this innovation allows households to respond better to unexpected adverse health events. We find that in the face of these events, users of mobile money are better able to tap into remittances to finance additional health care costs without having to forego necessary expenditures on education, food, and other consumption needs. PMID:22689945

  13. Documenting the birth of a financial economy

    PubMed Central

    Suri, Tavneet; Jack, William; Stoker, Thomas M.

    2012-01-01

    The birth and explosive growth of mobile money in Kenya has provided economists with an opportunity to study the evolution and impact of a new financial system. Mobile money is an innovation that allows individuals to store, send, and receive money on their mobile phone via text message. This system has opened up basic financial services to many who were previously excluded, and has had real and measurable impacts on the ability of households to protect themselves against health risks. Using a unique survey instrument covering nearly 2,300 households over 2008–2010, we first document the lightning-fast adoption of mobile money in Kenya, which was faster than most documented modern technologies in the United States. We then present evidence on how this innovation allows households to respond better to unexpected adverse health events. We find that in the face of these events, users of mobile money are better able to tap into remittances to finance additional health care costs without having to forego necessary expenditures on education, food, and other consumption needs. PMID:22689945

  14. Greece Financial Crisis and Quality of Life.

    PubMed

    Mechili, Aggelos E; Kalokairinou, Athena; Kaitelidou, Dafni; Diomidous, Marianna

    2015-01-01

    The last six years the global community is facing an economic crisis that first appeared in USA. This crisis has a lot of impacts especially in health sector. Unemployment, job insecurity and the loss of disposable income have a significant impact in health too. The main objective of this research was to investigate the quality of life of the general population in Greece during the financial crisis. To collect the data it has been used the Greek version of Short Form (36) Health Survey (SF-36v2). In general, income, level of education, cohabitation and parenthood had a significant impact in quality of life. As a conclusion, unemployed participants' score was lower in the entire dimensions and in the two summary scales too. PMID:26152994

  15. Reading and understanding financial statements.

    PubMed

    White, Joseph P

    2005-01-01

    Feeling comfortable reading and understanding financial statements is critical to the success of healthcare executives and physicians involved in management. Businesses use three primary financial statements: a balance sheet represents the equation, Assets = Liabilities + Equity; an income statement represents the equation, Revenues - Expenses = Net Income; a statement of cash flows reports all sources and uses of cash during the represented period. The balance sheet expresses financial indicators at one particular moment in time, whereas the income statement and the statement of cash flows show activity that occurred over a stretch of time. Additional information is disclosed in attached footnotes and other supplementary materials. There are two ways to prepare financial statements. Cash-basis accounting recognizes revenue when it is received and expenses when they are paid. Accrual-basis accounting recognizes revenue when it is earned and expenses when they are incurred. Although cash-basis is acceptable, periodically using the accrual method reveals important information about receivables and liabilities that could otherwise remain hidden. Become more engaged with your financial statements by spending time reading them, tracking key performance indicators, and asking accountants and financial advisors questions. This will help you better understand your business and build a successful future. PMID:16095076

  16. Household Financial Status and Gender Perspectives in Determining the Financial Impact of Foot and Mouth Disease in Lao PDR.

    PubMed

    Nampanya, S; Khounsy, S; Abila, R; Dy, C; Windsor, P A

    2016-08-01

    The socioeconomic impacts of foot and mouth disease (FMD) during 2011-12 outbreaks on large ruminant smallholders in Laos were investigated, including examination of data on gender, household financial status and farmer husbandry practices. A mix of participatory tools and survey questionnaires at the village and household level, respectively, were conducted, involving individual farmer interviews (n = 124) and group meetings with village elders to establish criteria for classification of household financial status as being 'poor, medium or well off' according to rice sufficiency, assets and household incomes. FMD-attributable financial losses were determined by inclusion of losses due to: mortality, morbidity and costs of treatments. The estimated mean financial losses due to FMD were USD 436 (±92) in the 'poor' and USD 949 (±76) in the 'well off' household categories (P < 0.001), being 128% and 49% of income from the sale of large ruminants, respectively. Variation in financial losses reflected differences in morbidity, farmer husbandry practices including frequency of observation of animals and thus recognition of FMD and choice of treatments. Of concern were adverse financial impacts of treatment especially where antibiotics were used; delays in reporting of FMD cases after observation of signs (mean of 2 days); admission that 10% of farmers had sold FMD-affected livestock; and that 22% of respondents claimed their large ruminants were cared for by females. The findings confirm that FMD has the most severe financial impact on poorer households and that females have a significant role in large ruminant production. It is recommended that livestock extension activities promote the benefits of prevention rather than treatment for FMD and encourage participation of women in biosecurity and disease risk management interventions including rapid reporting and regulatory compliance, particularly with animal movement controls and other biosecurity practices that

  17. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Financial information. 4010.9 Section 4010.9 Labor... DISCLOSURE REQUIREMENTS ANNUAL FINANCIAL AND ACTUARIAL INFORMATION REPORTING § 4010.9 Financial information... with the instructions on PBGC's Web site, http://www.pbgc.gov, the following financial information...

  18. 14 CFR 1260.26 - Financial management.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 14 Aeronautics and Space 5 2012-01-01 2012-01-01 false Financial management. 1260.26 Section 1260... AGREEMENTS General Provisions § 1260.26 Financial management. Financial Management August 2003 (a) Advance payments through a Letter of Credit will be made by the Financial Management Office of the NASA...

  19. 14 CFR 1260.26 - Financial management.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Financial management. 1260.26 Section 1260... AGREEMENTS General Provisions § 1260.26 Financial management. Financial Management August 2003 (a) Advance payments through a Letter of Credit will be made by the Financial Management Office of the NASA...

  20. 14 CFR 1260.26 - Financial management.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 14 Aeronautics and Space 5 2011-01-01 2010-01-01 true Financial management. 1260.26 Section 1260... AGREEMENTS General Provisions § 1260.26 Financial management. Financial Management August 2003 (a) Advance payments through a Letter of Credit will be made by the Financial Management Office of the NASA...

  1. 14 CFR 1260.26 - Financial management.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 14 Aeronautics and Space 5 2013-01-01 2013-01-01 false Financial management. 1260.26 Section 1260... AGREEMENTS General Provisions § 1260.26 Financial management. Financial Management August 2003 (a) Advance payments through a Letter of Credit will be made by the Financial Management Office of the NASA...

  2. 38 CFR 41.310 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Financial statements. 41...) AUDITS OF STATES, LOCAL GOVERNMENTS, AND NON-PROFIT ORGANIZATIONS Auditees § 41.310 Financial statements. (a) Financial statements. The auditee shall prepare financial statements that reflect its...

  3. 7 CFR 4279.137 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Financial statements. 4279.137 Section 4279.137... § 4279.137 Financial statements. (a) The lender will determine the type and frequency of submission of financial statements by the borrower. At a minimum, annual financial statements prepared by an accountant...

  4. 31 CFR 226.6 - Financial reports.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Financial reports. 226.6 Section 226..., DEPARTMENT OF THE TREASURY FINANCIAL MANAGEMENT SERVICE RECOGNITION OF INSURANCE COVERING TREASURY TAX AND LOAN DEPOSITARIES § 226.6 Financial reports. Financial reports of Insurance Organizations shall...

  5. 18 CFR 740.6 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 18 Conservation of Power and Water Resources 2 2010-04-01 2010-04-01 false Financial assistance... MANAGEMENT PLANNING PROGRAM § 740.6 Financial assistance. (a) The Council shall provide financial assistance... factor are equated to the mean-plus-two standard deviations. (d) Financial assistance for the...

  6. 31 CFR 597.307 - Financial institution.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... definition of that term in 31 CFR part 103. Note: The breadth of the statutory definition of financial... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Financial institution. 597.307... REGULATIONS General Definitions § 597.307 Financial institution. The term financial institution shall have...

  7. 31 CFR 29.524 - Financial hardship.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Financial hardship. 29.524 Section 29... Waiver of Overpayments § 29.524 Financial hardship. Financial hardship may be deemed to exist when the.... Financial hardship will not be found to exist when the debtor merely establishes that the repayment causes...

  8. 7 CFR 550.53 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    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...

  9. 7 CFR 1221.113 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Financial statements. 1221.113 Section 1221.113... Information Board § 1221.113 Financial statements. (a) As requested by the Secretary, the Board shall prepare and submit financial statements to the Secretary on a monthly basis. Each such financial...

  10. 49 CFR 256.7 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Financial assistance. 256.7 Section 256.7..., DEPARTMENT OF TRANSPORTATION FINANCIAL ASSISTANCE FOR RAILROAD PASSENGER TERMINALS Regulations Governing Applications for and Disbursement of Financial Assistance § 256.7 Financial assistance. (a) Demonstration...

  11. 10 CFR 61.15 - Financial information.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 2 2010-01-01 2010-01-01 false Financial information. 61.15 Section 61.15 Energy NUCLEAR....15 Financial information. The financial information must be sufficient to demonstrate that the financial qualifications of the applicant are adequate to carry out the activities for which the license...

  12. 25 CFR 700.455 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 25 Indians 2 2010-04-01 2010-04-01 false Financial assistance. 700.455 Section 700.455 Indians THE... Funds § 700.455 Financial assistance. (a) The Commission may provide financial assistance to applicants eligible under this subpart from funds available for any fiscal year. (b) To obtain financial...

  13. 31 CFR 596.304 - Financial transaction.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Financial transaction. 596.304... REGULATIONS General Definitions § 596.304 Financial transaction. The term financial transaction shall have the... transaction involving the use of a financial institution which is engaged in, or the activities of...

  14. 38 CFR 21.6260 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Financial assistance. 21...) VOCATIONAL REHABILITATION AND EDUCATION Temporary Program of Vocational Training for Certain New Pension Recipients Financial Assistance § 21.6260 Financial assistance. (a) Direct financial assistance...

  15. 38 CFR 21.6260 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2011-07-01 2011-07-01 false Financial assistance. 21...) VOCATIONAL REHABILITATION AND EDUCATION Temporary Program of Vocational Training for Certain New Pension Recipients Financial Assistance § 21.6260 Financial assistance. (a) Direct financial assistance...

  16. 48 CFR 828.7103 - Financial protection.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 48 Federal Acquisition Regulations System 5 2013-10-01 2013-10-01 false Financial protection. 828... Contracts 828.7103 Financial protection. (a) A contractor must have and maintain an amount of financial... insurance. (b) Financial protection may include private insurance, private contractual indemnities,...

  17. 7 CFR 4279.137 - Financial statements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 15 2011-01-01 2011-01-01 false Financial statements. 4279.137 Section 4279.137... § 4279.137 Financial statements. (a) The lender will determine the type and frequency of submission of financial statements by the borrower. At a minimum, annual financial statements prepared by an accountant...

  18. 7 CFR 550.53 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 6 2011-01-01 2011-01-01 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...

  19. 38 CFR 41.310 - Financial statements.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2012-07-01 2012-07-01 false Financial statements. 41...) AUDITS OF STATES, LOCAL GOVERNMENTS, AND NON-PROFIT ORGANIZATIONS Auditees § 41.310 Financial statements. (a) Financial statements. The auditee shall prepare financial statements that reflect its...

  20. 7 CFR 2500.046 - Financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 15 2014-01-01 2014-01-01 false Financial reporting. 2500.046 Section 2500.046..., DEPARTMENT OF AGRICULTURE OAO FEDERAL FINANCIAL ASSISTANCE PROGRAMS-GENERAL AWARD ADMINISTRATIVE PROCEDURES Post-Award and Closeout § 2500.046 Financial reporting. (a) SF-425, Federal Financial Report. As...

  1. 7 CFR 3430.56 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 15 2011-01-01 2011-01-01 false Financial reporting. 3430.56 Section 3430.56... ADMINISTRATIVE PROVISIONS Post-Award and Closeout § 3430.56 Financial reporting. (a) SF-269, Financial Status Report. Unless stated differently in the award terms and conditions, a final SF-269, Financial...

  2. 5 CFR 845.304 - Financial hardship.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Financial hardship. 845.304 Section 845....304 Financial hardship. Financial hardship may be deemed to exist in, but not limited to, those...) Considerations. Some pertinent considerations in determining whether recovery would cause financial hardship...

  3. 25 CFR 700.455 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 25 Indians 2 2011-04-01 2011-04-01 false Financial assistance. 700.455 Section 700.455 Indians THE... Funds § 700.455 Financial assistance. (a) The Commission may provide financial assistance to applicants eligible under this subpart from funds available for any fiscal year. (b) To obtain financial...

  4. 7 CFR 3430.56 - Financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 15 2014-01-01 2014-01-01 false Financial reporting. 3430.56 Section 3430.56... ADMINISTRATIVE PROVISIONS Post-Award and Closeout § 3430.56 Financial reporting. (a) SF-269, Financial Status Report. Unless stated differently in the award terms and conditions, a final SF-269, Financial...

  5. 31 CFR 596.304 - Financial transaction.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Financial transaction. 596.304 Section... General Definitions § 596.304 Financial transaction. The term financial transaction shall have the meaning... transaction involving the use of a financial institution which is engaged in, or the activities of...

  6. 10 CFR 61.15 - Financial information.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 10 Energy 2 2012-01-01 2012-01-01 false Financial information. 61.15 Section 61.15 Energy NUCLEAR....15 Financial information. The financial information must be sufficient to demonstrate that the financial qualifications of the applicant are adequate to carry out the activities for which the license...

  7. 31 CFR 226.6 - Financial reports.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 2 2013-07-01 2013-07-01 false Financial reports. 226.6 Section 226.6..., DEPARTMENT OF THE TREASURY FINANCIAL MANAGEMENT SERVICE RECOGNITION OF INSURANCE COVERING TREASURY TAX AND LOAN DEPOSITARIES § 226.6 Financial reports. Financial reports of Insurance Organizations shall...

  8. 25 CFR 700.455 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 25 Indians 2 2012-04-01 2012-04-01 false Financial assistance. 700.455 Section 700.455 Indians THE... Funds § 700.455 Financial assistance. (a) The Commission may provide financial assistance to applicants eligible under this subpart from funds available for any fiscal year. (b) To obtain financial...

  9. 5 CFR 831.1404 - Financial hardship.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Financial hardship. 831.1404 Section 831... (CONTINUED) RETIREMENT Standards for Waiver of Overpayments § 831.1404 Financial hardship. Financial hardship... in determining whether recovery would cause financial hardship are as follows: (1) The...

  10. 38 CFR 21.6260 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2012-07-01 2012-07-01 false Financial assistance. 21.6260 Section 21.6260 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS (CONTINUED... Recipients Financial Assistance § 21.6260 Financial assistance. (a) Direct financial assistance...

  11. 7 CFR 4279.137 - Financial statements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 15 2014-01-01 2014-01-01 false Financial statements. 4279.137 Section 4279.137... § 4279.137 Financial statements. (a) The lender will determine the type and frequency of submission of financial statements by the borrower. At a minimum, annual financial statements prepared by an accountant...

  12. 5 CFR 831.1404 - Financial hardship.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Financial hardship. 831.1404 Section 831... (CONTINUED) RETIREMENT Standards for Waiver of Overpayments § 831.1404 Financial hardship. Financial hardship... in determining whether recovery would cause financial hardship are as follows: (1) The...

  13. 34 CFR 668.172 - Financial ratios.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 34 Education 3 2014-07-01 2014-07-01 false Financial ratios. 668.172 Section 668.172 Education..., DEPARTMENT OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Financial Responsibility § 668.172 Financial... program authorized by the HEA only if— (i) In the notes to the institution's audited financial...

  14. 34 CFR 668.172 - Financial ratios.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 34 Education 3 2013-07-01 2013-07-01 false Financial ratios. 668.172 Section 668.172 Education..., DEPARTMENT OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Financial Responsibility § 668.172 Financial... program authorized by the HEA only if— (i) In the notes to the institution's audited financial...

  15. 31 CFR 226.6 - Financial reports.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false Financial reports. 226.6 Section 226.6..., DEPARTMENT OF THE TREASURY FINANCIAL MANAGEMENT SERVICE RECOGNITION OF INSURANCE COVERING TREASURY TAX AND LOAN DEPOSITARIES § 226.6 Financial reports. Financial reports of Insurance Organizations shall...

  16. 31 CFR 29.524 - Financial hardship.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance: Treasury 1 2013-07-01 2013-07-01 false Financial hardship. 29.524 Section 29... Waiver of Overpayments § 29.524 Financial hardship. Financial hardship may be deemed to exist when the.... Financial hardship will not be found to exist when the debtor merely establishes that the repayment causes...

  17. 7 CFR 1738.211 - Financial information.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 11 2014-01-01 2014-01-01 false Financial information. 1738.211 Section 1738.211... Financial information. (a) The applicant must submit financial information acceptable to the Agency that demonstrates that the applicant has the financial capacity to fulfill the loan requirements and to...

  18. 31 CFR 226.6 - Financial reports.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 2 2012-07-01 2012-07-01 false Financial reports. 226.6 Section 226.6..., DEPARTMENT OF THE TREASURY FINANCIAL MANAGEMENT SERVICE RECOGNITION OF INSURANCE COVERING TREASURY TAX AND LOAN DEPOSITARIES § 226.6 Financial reports. Financial reports of Insurance Organizations shall...

  19. 7 CFR 550.53 - Financial reporting.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 6 2012-01-01 2012-01-01 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...

  20. 5 CFR 845.304 - Financial hardship.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Financial hardship. 845.304 Section 845....304 Financial hardship. Financial hardship may be deemed to exist in, but not limited to, those...) Considerations. Some pertinent considerations in determining whether recovery would cause financial hardship...

  1. 77 FR 16894 - Financial Research Advisory Committee

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-03-22

    ... Financial Research Advisory Committee AGENCY: Office of Financial Research, Treasury. ACTION: Notice of establishment of the Financial Research Advisory Committee and solicitation of applications for Committee... the Financial Research Advisory Committee. A Charter for the Committee has been prepared and will...

  2. Long Range Financial Forecasting for School Districts.

    ERIC Educational Resources Information Center

    Baker, Michael E.

    Public school systems infrequently project their financial outlook beyond the coming year. Yet, financial projections over a multiyear period are necessary if the financial "crises" that frequently occur in public organizations are to be avoided. This paper discusses the importance of financial forecasting and planning, the development of…

  3. 17 CFR 38.604 - Financial surveillance.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... MARKETS Financial Integrity of Transactions § 38.604 Financial surveillance. A designated contract market must monitor members' compliance with the designated contract market's minimum financial standards and... 17 Commodity and Securities Exchanges 1 2014-04-01 2014-04-01 false Financial surveillance....

  4. Adult Financial Capability Framework. Second Edition

    ERIC Educational Resources Information Center

    Basic Skills Agency, 2006

    2006-01-01

    Both the Financial Services Authority and the Basic Skills Agency are committed to supporting those individuals and organisations working to improve the financial capability of themselves and others. The development of the National Strategy for Financial Capability, coordinated by the Financial Services Authority, and the commissioning of a…

  5. Financial Management and Young Australian Workers

    ERIC Educational Resources Information Center

    Dowling, Nicki; Hoiles, Lauren; Corney, Tim; Clark, David

    2008-01-01

    In two studies of young Australian workers, participants generally displayed positive attitudes towards financial management practices; however, a substantial proportion failed to display positive financial management practices, experienced financial problems and dissatisfaction, and reported low rates of seeking financial assistance, particularly…

  6. Perceptions of the software skills of graduates by employers in the financial services industry

    NASA Astrophysics Data System (ADS)

    Kyng, Tim; Tickle, Leonie; Wood, Leigh N.

    2013-12-01

    Software, particularly spreadsheet software, is ubiquitous in the financial services workplace. Yet little is known about the extent to which universities should, and do, prepare graduates for this aspect of the modern workplace. We have investigated this issue through a survey of financial services employers of graduates, the results of which are reported in this paper, as well as surveys of university graduates and academics, reported previously. Financial services employers rate software skills as important, would like their employees to be more highly skilled in the use of such software, and tend to prefer 'on-the-job' training rather than university training for statistical, database and specialized actuarial/financial software. There is a perception among graduates that employers do not provide adequate formal workplace training in the use of technical software.

  7. Financial Stress, Self-Efficacy, and Financial Help-Seeking Behavior of College Students

    ERIC Educational Resources Information Center

    Lim, HanNa; Heckman, Stuart J.; Letkiewicz, Jodi C.; Montalto, Catherine P.

    2014-01-01

    Financial stress and self-efficacy are examined in relationship to college students' financial help-seeking behavior utilizing Grable and Joo's (1999) framework. A cognitive approach is taken by focusing on the moderating role of financial self-efficacy on the relationship between financial stress and financial help-seeking. Data from…

  8. 31 CFR 561.404 - Significant transaction or transactions; significant financial services; significant financial...

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... a business development strategy. (d) Nexus. The proximity between the foreign financial institution... (b)(3) of that section. For example, a transaction or financial service in which a foreign financial... significance than a transaction or financial service a foreign financial institution conducts for or...

  9. "Suntelligence" Survey

    MedlinePlus

    ... to the American Academy of Dermatology's "Suntelligence" sun-smart survey. Please answer the following questions to measure ... be able to view a ranking of major cities suntelligence based on residents' responses to this survey. ...

  10. Survey Says

    ERIC Educational Resources Information Center

    McCarthy, Susan K.

    2005-01-01

    Survey Says is a lesson plan designed to teach college students how to access Internet resources for valid data related to the sexual health of young people. Discussion questions based on the most recent available data from two national surveys, the Youth Risk Behavior Surveillance-United States, 2003 (CDC, 2004) and the National Survey of…

  11. Threats to financial system security

    SciTech Connect

    McGovern, D.E.

    1997-06-01

    The financial system in the United States is slowly migrating from the bricks and mortar of banks on the city square to branch banks, ATM`s, and now direct linkage through computers to the home. Much work has been devoted to the security problems inherent in protecting property and people. The impact of attacks on the information aspects of the financial system has, however, received less attention. Awareness is raised through publicized events such as the junk bond fraud perpetrated by Milken or gross mismanagement in the failure of the Barings Bank through unsupervised trading activities by Leeson in Singapore. These events, although seemingly large (financial losses may be on the order of several billion dollars), are but small contributors to the estimated $114 billion loss to all types of financial fraud in 1993. Most of the losses can be traced to the contribution of many small attacks perpetrated against a variety of vulnerable components and systems. This paper explores the magnitude of these financial system losses and identifies new areas for security to be applied to high consequence events.

  12. Financial statistics of major US publicly owned electric utilities 1992

    SciTech Connect

    Not Available

    1994-01-01

    The 1992 edition of the Financial Statistics of Major US Publicly Owned Electric Utilities publication presents 4 years (1989 through 1992) of summary financial data and current year detailed financial data on the major publicly owned electric utilities. The objective of the publication is to provide Federal and State governments, industry, and the general public with current and historical data that can be used for policymaking and decisionmaking purposes related to publicly owned electric utility issues. Generator and nongenerator summaries are presented in this publication. Four years of summary financial data are provided. Summaries of generators for fiscal years ending June 30 and December 31, nongenerators for fiscal years ending June 30 and December 31, and summaries of all respondents are provided. The composite tables present aggregates of income statement and balance sheet data, as well as financial indicators. Composite tables also display electric operation and maintenance expenses, electric utility plant, number of consumers, sales of electricity, and operating revenue, and electric energy account data. The primary source of publicly owned financial data is the Form EIA-412, {open_quotes}Annual Report of Public Electric Utilities.{close_quotes} Public electric utilities file this survey on a fiscal year, rather than a calendar year basis, in conformance with their recordkeeping practices. In previous editions of this publication, data were aggregated by the two most commonly reported fiscal years, June 30 and December 31. This omitted approximately 20 percent of the respondents who operate on fiscal years ending in other months. Accordingly, the EIA undertook a review of the Form EIA-412 submissions to determine if alternative classifications of publicly owned electric utilities would permit the inclusion of all respondents.

  13. Fast food and financial impatience: a socioecological approach.

    PubMed

    DeVoe, Sanford E; House, Julian; Zhong, Chen-Bo

    2013-09-01

    We investigated whether the prevalence of fast-food restaurants in the social ecology are associated with greater financial impatience at the national, neighborhood, and individual level. Study 1 shows that the proliferation of fast-food restaurants over the past 3 decades in the developed world was associated with a historic shift in financial impatience, as manifested in precipitously declining household savings rates. Study 2 finds that households saved less when living in neighborhoods with a higher concentration of fast-food restaurants relative to full-service restaurants. With a direct measure of individuals' delay discounting preferences, Study 3 confirms that a higher concentration of fast-food restaurants within one's neighborhood is associated with greater financial impatience. In line with a causal relationship, Study 4 reveals that recalling a recent fast-food, as opposed to full-service, dining experience at restaurants within the same neighborhood induced greater delay discounting, which was mediated behaviorally by how quickly participants completed the recall task itself. Finally, Study 5 demonstrates that pedestrians walking down the same urban street exhibited greater delay discounting in their choice of financial reward if they were surveyed in front of a fast-food restaurant, compared to a full-service restaurant. Collectively, these data indicate a link between the prevalence of fast food and financial impatience across multiple levels of analysis, and suggest the plausibility of fast food having a reinforcing effect on financial impatience. The present investigation highlights how the pervasiveness of organizational cues in the everyday social ecology can have a far-ranging influence. PMID:23773044

  14. Theory Survey or Survey Theory?

    ERIC Educational Resources Information Center

    Dean, Jodi

    2010-01-01

    Matthew Moore's survey of political theorists in U.S. American colleges and universities is an impressive contribution to political science (Moore 2010). It is the first such survey of political theory as a subfield, the response rate is very high, and the answers to the survey questions provide new information about how political theorists look…

  15. Introduction to Financial Services. Teacher Edition. Financial Services Series.

    ERIC Educational Resources Information Center

    Oklahoma State Dept. of Vocational and Technical Education, Stillwater. Curriculum and Instructional Materials Center.

    This document contains teacher's materials for a course designed for 11th- and 12th-grade students who are interested in pursuing a career in financial institutions. The course consists of six instructional units: orientation, personal money management, the wise use of credit, negotiable instruments, communications, and security. Depending on the…

  16. Financial Fraud and Child Abuse

    ERIC Educational Resources Information Center

    Little, Allison Dare

    2014-01-01

    A modern form of abuse of children by parents and foster parents is to use the identity of children in their care for their own financial benefit, such as accessing their unused social security numbers to secure credit. This article reviews examples and implications of this identity theft.

  17. Accounting Principles and Financial Statements.

    ERIC Educational Resources Information Center

    Robinson, Daniel D.

    1973-01-01

    This document presents the background and analysis of the American Institute of Certified Public Accountants (AICPA) guide to auditing colleges and universities. Highlights include the approval of the market value option, the treatment of endowment gains, debt services as transfers, the decisions on pledges, the use of financial statements, the…

  18. Riding out a Financial Storm

    ERIC Educational Resources Information Center

    Evans, Randy C.

    2012-01-01

    After two decades of steady growth and financial stability in the Rio Rancho Public Schools, New Mexico's fastest-growing school district found itself face to face with a $3.8 million budget deficit going into the 2008-09 school year. Because people in the district hesitated to change anything that would cut into student programming, and nobody…

  19. Financial Incentives and Weight Control

    PubMed Central

    Jeffery, Robert W.

    2012-01-01

    This paper reviews research studies evaluating the use of financial incentives to promote weight control conducted between 1972 and 2010. It provides an overview of behavioral theories pertaining to incentives and describes empirical studies evaluating specific aspects of incentives. Research on financial incentives and weight control has a history spanning more than 30 years. Early studies were guided by operant learning concepts from Psychology, while more recent studies have relied on economic theory. Both theoretical orientations argue that providing financial rewards for losing weight should motivate people to engage in behaviors that produce weight loss. Empirical research has strongly supported this idea. However, results vary widely due to differences in incentive size and schedule, as well as contextual factors. Thus, many important questions about the use of incentives have not yet been clearly answered. Weight-maintenance studies using financial incentives are particularly sparse, so that their long-term efficacy and thus, value in addressing the public health problem of obesity is unclear. Major obstacles to sustained applications of incentive in weight control are funding sources and acceptance by those who might benefit. PMID:22244800

  20. Flagging Economy Propels Financial Education

    ERIC Educational Resources Information Center

    Manzo, Kathleen Kennedy

    2008-01-01

    On the same day President Bush signed a $150 billion economic-stimulus package in an attempt to head off a recession and offset a crisis in the home-mortgage market, a group of financial experts and educators met a few blocks from the White House to craft a plan for better preparing Americans, young and old, to manage their money. Financial…

  1. Banking and Related Financial Services.

    ERIC Educational Resources Information Center

    Snyder, Les

    This curriculum guide lists competencies for banking and related financial services occupations, validated by educators and experienced persons in the field in Arizona. The competencies describe the skills required of entry-level workers. The guide is in two parts with one focusing on teller or teller-like positions, and the other focusing on…

  2. Changes in Journal Financial Management

    NASA Astrophysics Data System (ADS)

    Editorial Staff, Jce

    2009-06-01

    This report announces the retirement of Mary Orna from the position of Publication Manager of JCE and gives information on the Board of Publication decision to change the management of the Journal 's business and financial affairs to a new system consisting of a treasurer and a business manager, and announces the appointments to those positions.

  3. Investment Clubs Teach Financial Literacy

    ERIC Educational Resources Information Center

    Cook, Sheri

    2007-01-01

    A study conducted by "Money" Magazine in August 2006 found that students are not as financially literate as they ought to be. Teachers are now being challenged to find alternative strategies to educate students in the ways of personal finance. One component of personal finance that is particularly challenging is investments. In this article, the…

  4. When Financial Exigency Justifies Dismissal.

    ERIC Educational Resources Information Center

    Weeks, Kent M.

    1980-01-01

    The issue of termination of tenured appointments because of a demonstrably bona fide financial exigency is discussed. A viable framework has been set forth with the Krotkoff v Goucher College decision. Saving capital assets, overriding tenure, AAUP's view of termination, tenured versus nontenured, and lasting implications are outlined. (MLW)

  5. Timely Teaching Tips: Financial Planning.

    ERIC Educational Resources Information Center

    Keast, Anne C.; Leth, Gwendolyn I.

    This handbook contains teaching ideas for personal and family financial planning courses in senior high schools. Each concept includes the type of activity, an overview of the activity in the form of a generalization, student performance indicators, a plan for implementation, evaluation criteria and materials needed to conduct the activity. Many…

  6. Financial Management in School Administration.

    ERIC Educational Resources Information Center

    Tronc, Keith, Ed.

    Because Australian school principals are being given increasing autonomy, knowledge of basic accounting principles and skill in elementary financial management are becoming more necessary. This book attempts to supply school administrators with information needed to handle new accounting duties and to lay a foundation for future fuller involvement…

  7. Your Audit and Financial Controls.

    ERIC Educational Resources Information Center

    Hatch, Mary B.; And Others

    Audits should be performed on school accounting systems because they are required by law and they provide independent reviews of school financial procedures and suggestions for improvement. A licensed certified public accountant, public accountant, or an accountant who has met the Continuation of Education requirement should perform the audit.…

  8. Financial Responsibilities of Governing Boards.

    ERIC Educational Resources Information Center

    Reed, William S.

    2001-01-01

    This completely redone edition is meant to be a primer on the financial responsibilities of trustees of colleges and universities and on complex trends and issues bearing on the responsibilities of governing boards. Trustees must deal with a complex blend of competing values, evolving information, and challenging analyses while taking into account…

  9. The Gift of Financial Insecurity

    ERIC Educational Resources Information Center

    Wilson, Eric G.

    2009-01-01

    In 1864, when Americans were enduring the daily miseries of the Civil War, Emily Dickinson, perhaps with the nationwide crisis in mind, wrote "A nearness to Tremendousness--/An Agony procures." The author suggests that perhaps Dickinson's poetry may be applied to the current economic downturn, when financial comfort is fleeting and many ponder…

  10. A Composite Measure of Personal Financial Burden Among Patients With Stage III Colorectal Cancer

    PubMed Central

    Veenstra, Christine M.; Regenbogen, Scott E.; Hawley, Sarah T.; Griggs, Jennifer J.; Banerjee, Mousumi; Kato, Ikuko; Ward, Kevin C.; Morris, Arden M.

    2014-01-01

    Background Despite improved survival with chemotherapy for stage III colorectal cancer (CRC), patients may suffer substantial economic hardship during treatment. Methods for quantifying financial burden in CRC patients are lacking. Objective To derive and validate a novel patient-reported measure of personal financial burden during CRC treatment. Data Collection Within a population-based survey of patients in the Detroit and Georgia Surveillance, Epidemiology and End Results regions diagnosed with stage III CRC between 2011 and 2013, we asked 7 binary questions assessing effects of disease and treatment on personal finances. Data Analysis We used factor analysis to compute a composite measure of financial burden. We used χ2 tests to evaluate relationships between individual components of financial burden and chemotherapy use with χ2 analyses. We used Mantel-Haenszel χ2 trend tests to examine relationships between the composite financial burden metric and chemotherapy use. Results Among 956 patient surveys (66% response rate), factor analysis of 7 burden items yielded a single-factor solution. Factor loadings of 6 items were >0.4; these were included in the composite score. Internal consistency was high (Cronbach α = 0.79). The mean financial burden score among all respondents was 1.72 (range, 0–6). The 812 (85%) who reported chemotherapy use had significantly higher financial burden scores than those who did not (mean burden score 1.88 vs. 0.88, P < 0.001). Conclusions Financial burden is high among CRC patients, particularly those who use adjuvant chemotherapy. We encourage use of our instrument to validate our measure in the identification of patients in need of additional financial support during treatment. PMID:25304021

  11. Vandalism Survey and Report. Suburban Cook County School Districts.

    ERIC Educational Resources Information Center

    Educational Service Region of Cook County, Chicago, IL.

    The statistics on vandalism compiled in this report were obtained from a survey of all 717 schools in suburban Cook County and give a broad overview of the extent, frequency, and financial costs incurred as a result of vandalism in the schools. The survey includes information on methods of protection and surveillance such as security personnel,…

  12. 31 CFR 210.8 - Financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... of a financial institution under Regulation E, 12 CFR part 205, or the Electronic Funds Transfer Act... CLEARING HOUSE General § 210.8 Financial institutions. (a) Status as a Treasury depositary. The...

  13. 31 CFR 210.8 - Financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... of a financial institution under Regulation E, 12 CFR part 205, or the Electronic Funds Transfer Act... CLEARING HOUSE General § 210.8 Financial institutions. (a) Status as a Treasury depositary. The...

  14. 31 CFR 210.8 - Financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... of a financial institution under Regulation E, 12 CFR part 205, or the Electronic Funds Transfer Act... CLEARING HOUSE General § 210.8 Financial institutions. (a) Status as a Treasury depositary. The...

  15. Financial Literacy: A Critical Adult Education Appraisal

    ERIC Educational Resources Information Center

    English, Leona M.

    2014-01-01

    This chapter critically examines financial literacy education, asking what its assumptions are and what adult educators need to ask of its curriculum, its bases, and the people being taught to be financially literate.

  16. 10 CFR 61.15 - Financial information.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 10 Energy 2 2011-01-01 2011-01-01 false Financial information. 61.15 Section 61.15 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) LICENSING REQUIREMENTS FOR LAND DISPOSAL OF RADIOACTIVE WASTE Licenses § 61.15 Financial information. The financial information must be sufficient to demonstrate that...

  17. 22 CFR 226.52 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Financial reporting. 226.52 Section 226.52...-GOVERNMENTAL ORGANIZATIONS Post-award Requirements Reports and Records § 226.52 Financial reporting. USAID requires recipients to use the Standard Form 425 or Standard Form 425a, Federal Financial Report, or...

  18. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 4 2013-01-01 2013-01-01 false Financial management. 247.27 Section 247.27... AGRICULTURE CHILD NUTRITION PROGRAMS COMMODITY SUPPLEMENTAL FOOD PROGRAM § 247.27 Financial management. (a) What are the Federal requirements for State and local agencies with regard to financial...

  19. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 4 2011-01-01 2011-01-01 false Financial management. 247.27 Section 247.27... AGRICULTURE CHILD NUTRITION PROGRAMS COMMODITY SUPPLEMENTAL FOOD PROGRAM § 247.27 Financial management. (a) What are the Federal requirements for State and local agencies with regard to financial...

  20. 12 CFR 614.4341 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Financial assistance. 614.4341 Section 614.4341 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Loss-Sharing Agreements § 614.4341 Financial assistance. No institution shall reverse any financial...

  1. 12 CFR 561.19 - Financial institution.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Financial institution. 561.19 Section 561.19... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.19 Financial institution. The term financial institution has the same meaning as the term depository institution set forth in 12 U.S.C. 1813(c)(1)....

  2. Transmittal Letters: Communicating the Financial Picture.

    ERIC Educational Resources Information Center

    Piotrowski, Craig L.

    1987-01-01

    The transmittal letter, part of a school district's comprehensive annual financial report, provides a creative opportunity to communicate the financial picture of a district to readers. After the introduction, the letter should include sections on (1) mission, services, and environment; (2) financial highlights; (3) systems and controls; and (4)…

  3. College Financial Management: Basics for Administrators.

    ERIC Educational Resources Information Center

    Carter, E. Eugene

    Basic economic concepts applicable for college financial management are considered, along with the characteristics of financial instruments available to universities that have money to invest for short-term or long-term purposes. A discussion of various financial securities provides information for the endowment manager who has to select among…

  4. 7 CFR 634.40 - Financial management.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 6 2012-01-01 2012-01-01 false Financial management. 634.40 Section 634.40..., DEPARTMENT OF AGRICULTURE LONG TERM CONTRACTING RURAL CLEAN WATER PROGRAM Financial Management § 634.40 Financial management. (a)(1) Finance and accounting will be in conformance with Office of...

  5. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  6. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 4 2012-01-01 2012-01-01 false Financial management. 247.27 Section 247.27... AGRICULTURE CHILD NUTRITION PROGRAMS COMMODITY SUPPLEMENTAL FOOD PROGRAM § 247.27 Financial management. (a) What are the Federal requirements for State and local agencies with regard to financial...

  7. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 4 2014-01-01 2014-01-01 false Financial management. 247.27 Section 247.27... AGRICULTURE CHILD NUTRITION PROGRAMS COMMODITY SUPPLEMENTAL FOOD PROGRAM § 247.27 Financial management. (a) What are the Federal requirements for State and local agencies with regard to financial...

  8. 7 CFR 634.40 - Financial management.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 6 2013-01-01 2013-01-01 false Financial management. 634.40 Section 634.40..., DEPARTMENT OF AGRICULTURE LONG TERM CONTRACTING RURAL CLEAN WATER PROGRAM Financial Management § 634.40 Financial management. (a)(1) Finance and accounting will be in conformance with Office of...

  9. 7 CFR 634.40 - Financial management.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 6 2010-01-01 2010-01-01 false Financial management. 634.40 Section 634.40..., DEPARTMENT OF AGRICULTURE LONG TERM CONTRACTING RURAL CLEAN WATER PROGRAM Financial Management § 634.40 Financial management. (a)(1) Finance and accounting will be in conformance with Office of...

  10. 7 CFR 634.40 - Financial management.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 6 2011-01-01 2011-01-01 false Financial management. 634.40 Section 634.40..., DEPARTMENT OF AGRICULTURE LONG TERM CONTRACTING RURAL CLEAN WATER PROGRAM Financial Management § 634.40 Financial management. (a)(1) Finance and accounting will be in conformance with Office of...

  11. Financial Reporting for Alabama Public Universities.

    ERIC Educational Resources Information Center

    Alabama State Commission on Higher Education, Montgomery.

    Guidelines for preparing year-end financial reports are provided for Alabama public university staff to insure that reporting formats produce comparable financial reports and to keep up with recent developments in college accounting and financial reporting. The public institutions comply with two publications issued by the American Institute of…

  12. Illiteracy, Financial Services and Social Exclusion.

    ERIC Educational Resources Information Center

    Hajaj, Khaldoun

    Despite calls by consumer advocates for Australia's governments and financial services institutions to provide consumers with resources to help them understand how the financial services sector operates, financial education remains something that most Australians gain by default. Research conducted in the United Kingdom and United States, has…

  13. 17 CFR 38.604 - Financial surveillance.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 1 2013-04-01 2013-04-01 false Financial surveillance. 38.604 Section 38.604 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION DESIGNATED CONTRACT MARKETS Financial Integrity of Transactions § 38.604 Financial surveillance. A designated contract...

  14. Boosting Financial Literacy: Benefits from Learning Study

    ERIC Educational Resources Information Center

    Pang, Ming Fai

    2010-01-01

    This paper reports on a study that employed a theory-based approach in the form of a learning study to enhance a domain-specific generic capability, financial literacy, of Grade 12 students to empower them to make informed and independent financial decisions. Financial literacy is seen in this study as a function of student understanding of a…

  15. 18 CFR 1317.430 - Financial assistance.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 18 Conservation of Power and Water Resources 2 2013-04-01 2012-04-01 true Financial assistance... NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1317.430 Financial...

  16. 18 CFR 1317.430 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 18 Conservation of Power and Water Resources 2 2012-04-01 2012-04-01 false Financial assistance... NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1317.430 Financial...

  17. 18 CFR 1317.430 - Financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 18 Conservation of Power and Water Resources 2 2014-04-01 2014-04-01 false Financial assistance... NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1317.430 Financial...

  18. Global Financial Crisis and Educational Restructuring

    ERIC Educational Resources Information Center

    Peters, Michael A.; Besley, Tina; Paraskeva, João M.

    2015-01-01

    "Financialisation" is a term that describes an economic system or process that attempts to reduce all value that is exchanged (whether tangible, intangible, future, or present promises, etc.) either into a financial instrument or a derivative of a financial instrument. The original intent of financialization is to be able to reduce any…

  19. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Financial settlement. 96.32 Section 96.32 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION BLOCK GRANTS Financial Management § 96.32 Financial settlement. The State must repay to the Department amounts found after...

  20. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 45 Public Welfare 1 2013-10-01 2013-10-01 false Financial settlement. 96.32 Section 96.32 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION BLOCK GRANTS Financial Management § 96.32 Financial settlement. The State must repay to the Department amounts found after...

  1. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 45 Public Welfare 1 2011-10-01 2011-10-01 false Financial settlement. 96.32 Section 96.32 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION BLOCK GRANTS Financial Management § 96.32 Financial settlement. The State must repay to the Department amounts found after...

  2. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 45 Public Welfare 1 2012-10-01 2012-10-01 false Financial settlement. 96.32 Section 96.32 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES GENERAL ADMINISTRATION BLOCK GRANTS Financial Management § 96.32 Financial settlement. The State must repay to the Department amounts found after...

  3. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 45 Public Welfare 1 2014-10-01 2014-10-01 false Financial settlement. 96.32 Section 96.32 Public Welfare Department of Health and Human Services GENERAL ADMINISTRATION BLOCK GRANTS Financial Management § 96.32 Financial settlement. The State must repay to the Department amounts found after...

  4. A Phenomenological Study of Financial Knowledge Application

    ERIC Educational Resources Information Center

    Nduku, Enita Bernice

    2012-01-01

    The intent of this qualitative phenomenological research study was to explore the influence of financial knowledge application and financial debts or freedom of traditional Texas college students. The study identified how financial knowledge application influenced whether traditional Texas college students do or do not accumulate debt. The study…

  5. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 29 Labor 9 2012-07-01 2012-07-01 false Financial information. 4010.9 Section 4010.9 Labor Regulations Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION CERTAIN REPORTING AND DISCLOSURE REQUIREMENTS ANNUAL FINANCIAL AND ACTUARIAL INFORMATION REPORTING § 4010.9 Financial...

  6. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 29 Labor 9 2013-07-01 2013-07-01 false Financial information. 4010.9 Section 4010.9 Labor Regulations Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION CERTAIN REPORTING AND DISCLOSURE REQUIREMENTS ANNUAL FINANCIAL AND ACTUARIAL INFORMATION REPORTING § 4010.9 Financial...

  7. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 29 Labor 9 2014-07-01 2014-07-01 false Financial information. 4010.9 Section 4010.9 Labor Regulations Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION CERTAIN REPORTING AND DISCLOSURE REQUIREMENTS ANNUAL FINANCIAL AND ACTUARIAL INFORMATION REPORTING § 4010.9 Financial...

  8. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 29 Labor 9 2011-07-01 2011-07-01 false Financial information. 4010.9 Section 4010.9 Labor Regulations Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION CERTAIN REPORTING AND DISCLOSURE REQUIREMENTS ANNUAL FINANCIAL AND ACTUARIAL INFORMATION REPORTING § 4010.9 Financial...

  9. 17 CFR 39.11 - Financial resources.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 1 2013-04-01 2013-04-01 false Financial resources. 39.11... ORGANIZATIONS Compliance with Core Principles § 39.11 Financial resources. (a) General. A derivatives clearing organization shall maintain financial resources sufficient to cover its exposures with a high degree...

  10. 17 CFR 49.25 - Financial resources.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 1 2013-04-01 2013-04-01 false Financial resources. 49.25... REPOSITORIES § 49.25 Financial resources. (a) General rule. (1) A registered swap data repository shall maintain sufficient financial resources to perform its statutory duties set forth in § 49.9 and the...

  11. 17 CFR 49.25 - Financial resources.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 1 2012-04-01 2012-04-01 false Financial resources. 49.25... REPOSITORIES § 49.25 Financial resources. (a) General rule. (1) A registered swap data repository shall maintain sufficient financial resources to perform its statutory duties set forth in § 49.9 and the...

  12. 17 CFR 39.11 - Financial resources.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 1 2012-04-01 2012-04-01 false Financial resources. 39.11... ORGANIZATIONS Compliance with Core Principles § 39.11 Financial resources. (a) General. A derivatives clearing organization shall maintain financial resources sufficient to cover its exposures with a high degree...

  13. 17 CFR 49.25 - Financial resources.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 2 2014-04-01 2014-04-01 false Financial resources. 49.25... DATA REPOSITORIES § 49.25 Financial resources. (a) General rule. (1) A registered swap data repository shall maintain sufficient financial resources to perform its statutory duties set forth in § 49.9...

  14. 17 CFR 39.11 - Financial resources.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 1 2014-04-01 2014-04-01 false Financial resources. 39.11... ORGANIZATIONS Compliance with Core Principles § 39.11 Financial resources. (a) General. A derivatives clearing organization shall maintain financial resources sufficient to cover its exposures with a high degree...

  15. 31 CFR 561.313 - Financial services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false Financial services. 561.313 Section... Definitions § 561.313 Financial services. For purposes of paragraph (a)(5) of § 561.201, the term financial services includes loans, transfers, accounts, insurance, investments, securities, guarantees,...

  16. Yavapai College Comprehensive Annual Financial Report.

    ERIC Educational Resources Information Center

    Yavapai County Community Coll. District, Prescott, AZ.

    This is the Comprehensive Annual Financial Report (CAFR) of the Yavapai Community College District (YCCD) (Arizona) for the fiscal year (FY) ended June 30, 2001. The report is separated into three sections: (1) introductory section; (2) financial section--includes the basic financial statements as well as the independent auditors' report on the…

  17. Employers' Perspectives of Employees' Personal Financial Literacy

    ERIC Educational Resources Information Center

    Davis, Rita; Carnes, Lana

    2005-01-01

    The objective of this study was to determine employers' perspectives of employees' personal financial literacy. Executives rated credit card use and budgeting as the most important personal financial literacy skills that employees should have. They stated that strong personal financial literacy skills allow an employee to focus on work activity…

  18. The Financial Security of UK HE Institutions

    ERIC Educational Resources Information Center

    Wellington, Sean

    2007-01-01

    Sound financial management and financial stability are crucially important for universities operating in today's increasingly competitive and turbulent environment. Freedom of action is greatly enhanced if an institution is able to act opportunistically and invest in new initiatives, while healthy financial reserves help buffer the institution…

  19. 5 CFR 845.304 - Financial hardship.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Financial hardship. 845.304 Section 845... (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-DEBT COLLECTION Standards for Waiver of Overpayments § 845.304 Financial hardship. Financial hardship may be deemed to exist in, but not limited to,...

  20. 45 CFR 2541.410 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Financial reporting. 2541.410 Section 2541.410... GOVERNMENTS Reports, Records, Retention and Enforcement § 2541.410 Financial reporting. (a) General. (1... time to time be authorized by OMB, for: (i) Submitting financial reports to Federal agencies; or...

  1. 45 CFR 32.9 - Financial hardship.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Financial hardship. 32.9 Section 32.9 Public... § 32.9 Financial hardship. (a) A debtor whose wages are subject to a withholding order may, at any time... as disability, divorce, or catastrophic illness which result in financial hardship. (b) A...

  2. 29 CFR 1470.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 4 2010-07-01 2010-07-01 false Financial reporting. 1470.41 Section 1470.41 Labor... Reports, Records Retention, and Enforcement § 1470.41 Financial reporting. (a) General. (1) Except as... authorized by OMB, for: (i) Submitting financial reports to Federal agencies, or (ii) Requesting advances...

  3. 43 CFR 12.81 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 43 Public Lands: Interior 1 2010-10-01 2010-10-01 false Financial reporting. 12.81 Section 12.81... Agreements to State and Local Governments Reports, Records Retention, and Enforcement § 12.81 Financial... other forms as may from time to time be authorized by OMB, for: (i) Submitting financial reports...

  4. 36 CFR 1211.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Financial assistance. 1211... FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1211.430 Financial assistance. (a) General. Except as provided in paragraphs (b) and (c) of...

  5. 24 CFR 85.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Financial reporting. 85.41 Section... § 85.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a) (2) and (5) of this... financial reports to Federal agencies, or (ii) Requesting advances or reimbursements when letters of...

  6. 48 CFR 32.108 - Financial consultation.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Financial consultation. 32... CONTRACTING REQUIREMENTS CONTRACT FINANCING Non-Commercial Item Purchase Financing 32.108 Financial... personnel competent to evaluate credit and financial problems. In resolving any questions concerning (a)...

  7. 14 CFR 1273.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Financial reporting. 1273.41 Section 1273... Reports, Records, Retention, and Enforcement § 1273.41 Financial reporting. (a) General. (1) Except as... authorized by OMB, for: (i) Submitting financial reports to Federal agencies, or (ii) Requesting advances...

  8. The Financial Literacy of Social Work Students

    ERIC Educational Resources Information Center

    Kindle, Peter A.

    2013-01-01

    The financial literacy of social work students has become the focus of curriculum development and research, but no study to date has attempted to assess the financial knowledge possessed by social work students. This study addressed that gap by assessing the level of objective financial knowledge reported by social work student respondents…

  9. 31 CFR 223.8 - Financial reports.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Financial reports. 223.8 Section 223..., DEPARTMENT OF THE TREASURY FINANCIAL MANAGEMENT SERVICE SURETY COMPANIES DOING BUSINESS WITH THE UNITED STATES § 223.8 Financial reports. (a) Every such company will be required to file with the...

  10. 31 CFR 28.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Financial assistance. 28.430 Section... BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 28.430 Financial assistance....

  11. 24 CFR 320.10 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Financial reporting. 320.10 Section...-BACKED SECURITIES Pass-Through Type Securities § 320.10 Financial reporting. Issuers shall submit to the Association audited annual financial statements within 90 days of their fiscal year end. All...

  12. 45 CFR 2555.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Financial assistance. 2555.430 Section 2555.430... FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 2555.430 Financial assistance. (a) General. Except as provided in paragraphs (b) and (c) of...

  13. 34 CFR 106.37 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 1 2010-07-01 2010-07-01 false Financial assistance. 106.37 Section 106.37 Education... NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 106.37 Financial...

  14. 18 CFR 1317.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 18 Conservation of Power and Water Resources 2 2010-04-01 2010-04-01 false Financial assistance... NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1317.430 Financial...

  15. 10 CFR 600.241 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Financial reporting. 600.241 Section 600.241 Energy DEPARTMENT OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS FINANCIAL ASSISTANCE RULES Uniform Administrative....241 Financial reporting. (a) General. (1) Except as provided in paragraphs (a) (2) and (5) of...

  16. 28 CFR 54.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Financial assistance. 54.430 Section 54... EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 54.430 Financial assistance. (a) General. Except...

  17. 24 CFR 3.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Financial assistance. 3.430 Section... FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 3.430 Financial assistance. (a) General. Except as provided in paragraphs (b) and (c) of this...

  18. 45 CFR 92.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Financial reporting. 92.41 Section 92.41 Public... Reports, Records Retention, and Enforcement § 92.41 Financial reporting. (a) General. (1) Except as... authorized by OMB, for: (i) Submitting financial reports to Federal agencies, or (ii) Requesting advances...

  19. 21 CFR 1403.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 21 Food and Drugs 9 2010-04-01 2010-04-01 false Financial reporting. 1403.41 Section 1403.41 Food... Enforcement § 1403.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a) (2) and (5...) Submitting financial reports to Federal agencies, or (ii) Requesting advances or reimbursements when...

  20. 31 CFR 210.8 - Financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... of a financial institution under Regulation E, 12 CFR part 205, or the Electronic Funds Transfer Act... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Financial institutions. 210.8 Section..., DEPARTMENT OF THE TREASURY FINANCIAL MANAGEMENT SERVICE FEDERAL GOVERNMENT PARTICIPATION IN THE...

  1. 10 CFR 1042.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Financial assistance. 1042.430 Section 1042.430 Energy... ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1042.430 Financial assistance. (a) General. Except as provided in paragraphs (b)...

  2. 20 CFR 437.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Financial reporting. 437.41 Section 437.41... Enforcement § 437.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a)(2) and (5) of...) Submitting financial reports to SSA, or (ii) Requesting advances or reimbursements when letters of credit...

  3. 36 CFR 1207.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Financial reporting. 1207.41... GOVERNMENTS Post-Award Requirements Reports, Records, Retention, and Enforcement § 1207.41 Financial reporting... forms as may from time to time be authorized by OMB, for: (i) Submitting financial reports to...

  4. 13 CFR 113.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Financial assistance. 113.430... FINANCIAL ASSISTANCE PROGRAMS OF SBA-EFFECTUATION OF POLICIES OF FEDERAL GOVERNMENT AND SBA ADMINISTRATOR Nondiscrimination on the Basis of Sex in Education Programs or Activities Receiving Federal Financial...

  5. 10 CFR 5.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 1 2010-01-01 2010-01-01 false Financial assistance. 5.430 Section 5.430 Energy NUCLEAR... FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 5.430 Financial assistance. (a) General. Except as provided in paragraphs (b) and (c) of...

  6. 31 CFR 597.308 - Financial transaction.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Financial transaction. 597.308 Section 597.308 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... REGULATIONS General Definitions § 597.308 Financial transaction. The term financial transaction means...

  7. 13 CFR 143.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Financial reporting. 143.41... Reports, Records, Retention, and Enforcement § 143.41 Financial reporting. (a) General. (1) Except as... authorized by OMB, for: (i) Submitting financial reports to Federal agencies, or (ii) Requesting advances...

  8. 32 CFR 196.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 2 2010-07-01 2010-07-01 false Financial assistance. 196.430 Section 196.430... FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 196.430 Financial assistance. (a) General. Except as provided in paragraphs (b) and (c) of this...

  9. 28 CFR 66.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Financial reporting. 66.41 Section 66.41..., Retention, and Enforcement § 66.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a..., for: (i) Submitting financial reports to Federal agencies, or (ii) Requesting advances...

  10. 45 CFR 618.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 3 2010-10-01 2010-10-01 false Financial assistance. 618.430 Section 618.430... NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 618.430 Financial...

  11. 31 CFR 596.303 - Financial institution.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Financial institution. 596.303 Section 596.303 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... REGULATIONS General Definitions § 596.303 Financial institution. The term financial institution shall have...

  12. 24 CFR 1710.212 - Financial information.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 5 2010-04-01 2010-04-01 false Financial information. 1710.212... § 1710.212 Financial information. (a) Financing of improvements. Describe the financing plan that is to...) Estimated total land sales income. (ii) Estimated other income. (iii) Total income. (c) Financial...

  13. 24 CFR 1710.112 - Financial information.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 5 2010-04-01 2010-04-01 false Financial information. 1710.112... § 1710.112 Financial information. (a) The information required by paragraphs (b) and (c) of this section... developer's ability to complete promised facilities and to discharge financial obligations. This...

  14. 44 CFR 19.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Financial assistance. 19.430... RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 19.430 Financial assistance. (a) General. Except as provided in paragraphs (b) and...

  15. 14 CFR 1253.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Financial assistance. 1253.430 Section 1253... OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1253.430 Financial assistance....

  16. 11 CFR 7.10 - Financial interests.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 11 Federal Elections 1 2010-01-01 2010-01-01 false Financial interests. 7.10 Section 7.10 Federal... Commissioners § 7.10 Financial interests. (a)(1) A Commissioner or employee shall not engage in, directly or indirectly, a financial transaction as a result of, or primarily relying on, information obtained through...

  17. 24 CFR 574.450 - Financial records.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Financial records. 574.450 Section... Grantees and Project Sponsors § 574.450 Financial records. The grantee shall agree, and shall ensure that each project sponsor agrees, to maintain and make available to HUD for inspection financial...

  18. 6 CFR 17.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 6 Domestic Security 1 2010-01-01 2010-01-01 false Financial assistance. 17.430 Section 17.430... OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 17.430 Financial assistance....

  19. 42 CFR 460.208 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 4 2010-10-01 2010-10-01 false Financial statements. 460.208 Section 460.208... ELDERLY (PACE) Data Collection, Record Maintenance, and Reporting § 460.208 Financial statements. (a... must submit a certified financial statement that includes appropriate footnotes. (2) The...

  20. 38 CFR 23.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ...) NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 23.430 Financial assistance... 38 Pensions, Bonuses, and Veterans' Relief 2 2011-07-01 2011-07-01 false Financial assistance....

  1. 14 CFR 1253.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1253.430 Financial assistance. (a... 14 Aeronautics and Space 5 2011-01-01 2010-01-01 true Financial assistance. 1253.430 Section...

  2. 15 CFR 8a.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 8a.430 Financial assistance. (a... 15 Commerce and Foreign Trade 1 2011-01-01 2011-01-01 false Financial assistance. 8a.430...

  3. 31 CFR 28.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 28.430 Financial assistance. (a... 31 Money and Finance: Treasury 1 2011-07-01 2011-07-01 false Financial assistance. 28.430...

  4. 40 CFR 5.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 5.430 Financial assistance. (a... 40 Protection of Environment 1 2011-07-01 2011-07-01 false Financial assistance. 5.430 Section...

  5. 18 CFR 1317.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1317.430 Financial assistance... 18 Conservation of Power and Water Resources 2 2011-04-01 2011-04-01 false Financial...

  6. 43 CFR 41.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 41.430 Financial assistance. (a) General... 43 Public Lands: Interior 1 2011-10-01 2011-10-01 false Financial assistance. 41.430 Section...

  7. 34 CFR 106.37 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 1 2011-07-01 2011-07-01 false Financial assistance. 106.37 Section 106.37 Education... NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 106.37 Financial...

  8. National Consumer and Financial Literacy Framework

    ERIC Educational Resources Information Center

    Ministerial Council for Education, Early Childhood Development and Youth Affairs (NJ1), 2011

    2011-01-01

    This document is a revised version of the National Consumer and Financial Literacy Framework (the Framework) originally developed in 2005. It articulates a rationale for consumer and financial education in Australian schools; describes essential consumer and financial capabilities that will support lifelong learning; and provides guidance on how…

  9. 45 CFR 86.37 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 86.37 Financial assistance. (a) General... 45 Public Welfare 1 2011-10-01 2011-10-01 false Financial assistance. 86.37 Section 86.37...

  10. 15 CFR 8a.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 8a.430 Financial assistance. (a... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false Financial assistance. 8a.430...

  11. 38 CFR 23.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...) NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 23.430 Financial assistance... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Financial assistance....

  12. 13 CFR 113.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Nondiscrimination on the Basis of Sex in Education Programs or Activities Receiving Federal Financial Assistance Discrimination on the Basis of Sex in Education Programs Or Activities Prohibited § 113.430 Financial assistance... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Financial assistance....

  13. 6 CFR 17.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 17.430 Financial assistance. (a... 6 Domestic Security 1 2011-01-01 2011-01-01 false Financial assistance. 17.430 Section...

  14. 28 CFR 54.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 54.430 Financial assistance. (a) General. Except as... 28 Judicial Administration 2 2011-07-01 2011-07-01 false Financial assistance. 54.430 Section...

  15. 45 CFR 618.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 618.430 Financial assistance... 45 Public Welfare 3 2011-10-01 2011-10-01 false Financial assistance. 618.430 Section...

  16. Unjust Desserts: Financial Realities of Older Women.

    ERIC Educational Resources Information Center

    Estrine, Judith

    This brochure presents the facts about the financial situation of older women. It explains the vital role of Social Security (SS) for women and offers suggestions to improve their financial outlook. A true/false checklist tests knowledge about women growing older and remaining financially secure. These reasons for poorer older women are outlined:…

  17. 32 CFR 33.41 - Financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 32 National Defense 1 2014-07-01 2014-07-01 false Financial reporting. 33.41 Section 33.41... GOVERNMENTS Post-Award Requirements Reports, Records, Retention, and Enforcement § 33.41 Financial reporting... forms as may from time to time be authorized by OMB, for: (i) Submitting financial reports to...

  18. 28 CFR 66.41 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 28 Judicial Administration 2 2011-07-01 2011-07-01 false Financial reporting. 66.41 Section 66.41..., Retention, and Enforcement § 66.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a..., for: (i) Submitting financial reports to Federal agencies, or (ii) Requesting advances...

  19. 29 CFR 1470.41 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 29 Labor 4 2011-07-01 2011-07-01 false Financial reporting. 1470.41 Section 1470.41 Labor... Reports, Records Retention, and Enforcement § 1470.41 Financial reporting. (a) General. (1) Except as... authorized by OMB, for: (i) Submitting financial reports to Federal agencies, or (ii) Requesting advances...

  20. 12 CFR 1010.212 - Financial information.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Financial information. 1010.212 Section 1010.212 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION LAND REGISTRATION (REGULATION J) Reporting Requirements § 1010.212 Financial information. (a) Financing of improvements. Describe...

  1. 12 CFR 161.19 - Financial institution.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Financial institution. 161.19 Section 161.19 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY DEFINITIONS FOR REGULATIONS AFFECTING ALL SAVINGS ASSOCIATIONS § 161.19 Financial institution. The term financial institution has...

  2. 31 CFR 223.8 - Financial reports.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 31 Money and Finance:Treasury 2 2013-07-01 2013-07-01 false Financial reports. 223.8 Section 223.8..., DEPARTMENT OF THE TREASURY FINANCIAL MANAGEMENT SERVICE SURETY COMPANIES DOING BUSINESS WITH THE UNITED STATES § 223.8 Financial reports. (a) Every such company will be required to file with the...

  3. 32 CFR 196.430 - Financial assistance.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 32 National Defense 2 2013-07-01 2013-07-01 false Financial assistance. 196.430 Section 196.430... FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 196.430 Financial assistance. (a) General. Except as provided in paragraphs (b) and (c) of this...

  4. 43 CFR 12.81 - Financial reporting.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 43 Public Lands: Interior 1 2013-10-01 2013-10-01 false Financial reporting. 12.81 Section 12.81... Agreements to State and Local Governments Reports, Records Retention, and Enforcement § 12.81 Financial... other forms as may from time to time be authorized by OMB, for: (i) Submitting financial reports...

  5. 49 CFR 18.41 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 49 Transportation 1 2011-10-01 2011-10-01 false Financial reporting. 18.41 Section 18.41... Enforcement § 18.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a) (2) and (5) of...) Submitting financial reports to Federal agencies, or (ii) Requesting advances or reimbursements when...

  6. 29 CFR 4041A.26 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 29 Labor 9 2011-07-01 2011-07-01 false Financial assistance. 4041A.26 Section 4041A.26 Labor... OF MULTIEMPLOYER PLANS Plan Sponsor Duties § 4041A.26 Financial assistance. A plan sponsor that... insolvency year shall apply for financial assistance from the PBGC in accordance with § 4281.47....

  7. 22 CFR 135.41 - Financial reporting.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 22 Foreign Relations 1 2013-04-01 2013-04-01 false Financial reporting. 135.41 Section 135.41... Enforcement § 135.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a) (2) and (5) of...) Submitting financial reports to Federal agencies, or (ii) Requesting advances or reimbursements when...

  8. 28 CFR 66.41 - Financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 28 Judicial Administration 2 2014-07-01 2014-07-01 false Financial reporting. 66.41 Section 66.41..., Retention, and Enforcement § 66.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a..., for: (i) Submitting financial reports to Federal agencies, or (ii) Requesting advances...

  9. 14 CFR 1273.41 - Financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 14 Aeronautics and Space 5 2014-01-01 2014-01-01 false Financial reporting. 1273.41 Section 1273... Reports, Records, Retention, and Enforcement § 1273.41 Financial reporting. (a) General. (1) Except as... authorized by OMB, for: (i) Submitting financial reports to Federal agencies, or (ii) Requesting advances...

  10. 49 CFR 25.430 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 49 Transportation 1 2012-10-01 2012-10-01 false Financial assistance. 25.430 Section 25.430... PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 25.430 Financial assistance. (a) General. Except as...

  11. 10 CFR 1042.430 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 10 Energy 4 2012-01-01 2012-01-01 false Financial assistance. 1042.430 Section 1042.430 Energy... ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1042.430 Financial assistance. (a) General. Except as provided in paragraphs (b)...

  12. 45 CFR 32.9 - Financial hardship.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 45 Public Welfare 1 2011-10-01 2011-10-01 false Financial hardship. 32.9 Section 32.9 Public... § 32.9 Financial hardship. (a) A debtor whose wages are subject to a withholding order may, at any time... as disability, divorce, or catastrophic illness which result in financial hardship. (b) A...

  13. 32 CFR 196.430 - Financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 32 National Defense 2 2014-07-01 2014-07-01 false Financial assistance. 196.430 Section 196.430... FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 196.430 Financial assistance. (a) General. Except as provided in paragraphs (b) and (c) of this...

  14. 10 CFR 1042.430 - Financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 10 Energy 4 2014-01-01 2014-01-01 false Financial assistance. 1042.430 Section 1042.430 Energy... ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1042.430 Financial assistance. (a) General. Except as provided in paragraphs (b)...

  15. 7 CFR 1700.104 - Financial feasibility.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 11 2014-01-01 2014-01-01 false Financial feasibility. 1700.104 Section 1700.104... AGRICULTURE GENERAL INFORMATION Substantially Underserved Trust Areas § 1700.104 Financial feasibility... that contribute to a financial feasibility determination for a particular eligible program or...

  16. 24 CFR 320.10 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Financial reporting. 320.10 Section...-BACKED SECURITIES Pass-Through Type Securities § 320.10 Financial reporting. Issuers shall submit to the Association audited annual financial statements within 90 days of their fiscal year end. All...

  17. 7 CFR 3016.41 - Financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 15 2014-01-01 2014-01-01 false Financial reporting. 3016.41 Section 3016.41 Agriculture Regulations of the Department of Agriculture (Continued) OFFICE OF THE CHIEF FINANCIAL OFFICER... Financial reporting. (a) General. (1) Except as provided in paragraphs (a) (2) and (5) of this...

  18. 12 CFR 1208.77 - Financial hardship.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 7 2011-01-01 2011-01-01 false Financial hardship. 1208.77 Section 1208.77... Administrative Wage Garnishment § 1208.77 Financial hardship. (a) A debtor whose wages are subject to a wage... result in financial hardship. (b) A debtor requesting a review under this section shall submit the...

  19. 22 CFR 17.5 - Financial hardship.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 22 Foreign Relations 1 2013-04-01 2013-04-01 false Financial hardship. 17.5 Section 17.5 Foreign... SYSTEM (FSPS) § 17.5 Financial hardship. (a) Waiver of overpayment will not be allowed in any case prior to receipt and evaluation of a completed Statement of Financial Status, duly sworn by the...

  20. 29 CFR 97.41 - Financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 29 Labor 1 2014-07-01 2013-07-01 true Financial reporting. 97.41 Section 97.41 Labor Office of the... LOCAL GOVERNMENTS Post-Award Requirements Reports, Records Retention, and Enforcement § 97.41 Financial... other forms as may from time to time be authorized by OMB, for: (i) Submitting financial reports...