Sample records for national financial capability

  1. 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…

  2. Coming of Age on a Shoestring Budget: Financial Capability and Financial Behaviors of Lower-Income Millennials.

    PubMed

    West, Stacia; Friedline, Terri

    2016-10-01

    Lower-income millennials make important financial decisions that may affect their future financial well-being. With limited resources, this population is at risk for acquiring too much debt or being unprepared for a financial emergency that can send them further into poverty and constrain their ability to leverage resources for future economic mobility. A financial capability approach, an intervention that combines financial education with financial inclusion through the use of a savings account, may correlate with millennials’ healthy financial behaviors. This study used data from the 2012 National Financial Capability Study to examine the relationship between financial capability and the financial behaviors of lower-income millennials between the ages of 18 and 34 years (N = 2,578). Compared with those lower-income millennials who were financially excluded, those who were financially capable were also 171 percent more likely to afford an unexpected expense, 182 percent more likely to save for emergencies, and 34 percent less likely to carry too much debt, relating to their greater overall financial satisfaction. The findings of this study indicate that interventions that develop lower-income millennials’ financial capability may be effective for promoting healthy financial behaviors.

  3. 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…

  4. 3 CFR 8951 - Proclamation 8951 of March 29, 2013. National Financial Capability Month, 2013

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... college, starting a business, or opening a retirement account. Financial capability also means helping.... These reforms would encourage the kind of broad-based economic growth that gives everyone a better...

  5. Improved Financial Capability Can Reduce Material Hardship among Mothers.

    PubMed

    Huang, Jin; Nam, Yunju; Sherraden, Michael; Clancy, Margaret M

    2016-10-01

    This study draws on the theoretical framework of financial capability in investigating whether financial access (that is, availability of financial products and services) and financial knowledge (that is, understanding of basic financial concepts) can influence the risk of material hardship. Authors examine the possibility of direct associations as well as of indirect ones in which financial management (that is, individual financial behaviors) serves as a mediator. The probability sample of mothers with young children born in Oklahoma during 2007 (N = 2,529) was selected from Oklahoma birth certificates. Results from structural equation modeling analyses show that financial access is positively associated with financial management (p < 0.001) but that financial knowledge is not; both financial access (p < 0.001) and financial management (p < 0.001) are negatively correlated with material hardship. Similar results are obtained from analyses with a subsample of low-income mothers. Findings suggest that financial capability, particularly the financial access component, is critical for improving financial management and reducing the risk of material hardship among mothers with young children, including low-income mothers. Efforts to promote financial capability offer social workers an important strategy for improving their clients’ economic well-being.

  6. 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…

  7. 77 FR 20497 - National Financial Capability Month, 2012

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-05

    ... their financial future. I encourage all Americans to take advantage of the free, reliable financial resources at www.MyMoney.gov , www.ConsumerFinance.gov , and 1-888-MyMoney. NOW, THEREFORE, I, BARACK OBAMA...

  8. 78 FR 20219 - National Financial Capability Month, 2013

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-04-04

    ... when they invest in higher education. Together, we can prepare young people to tackle financial... education that gets every child on the right track early. These reforms would encourage the kind of broad-based economic growth that gives everyone a better chance to secure their financial future. Our history...

  9. Learning Capability and Business Performance: A Non-Financial and Financial Assessment

    ERIC Educational Resources Information Center

    Ma Prieto, Isabel; Revilla, Elena

    2006-01-01

    Purpose: There has been little research that includes reliable deductions about the positive influence of learning capability on business performance. For this reason, the main objective of the present study is to empirically explore the link between learning capability in organizations and business performance evaluated in both financial and…

  10. Evaluation of a Continuing Education Training on Client Financial Capability

    ERIC Educational Resources Information Center

    Frey, Jodi Jacobson; Svoboda, Deborah; Sander, Rebecca L.; Osteen, Philip J.; Callahan, Christine; Elkinson, Audrey

    2015-01-01

    The researchers conducted an evaluation study assessing outcomes among 37 social workers who completed a continuing education course on financial capability and working with clients. Key constructs assessed included participants' attitudes about financial capability, self-efficacy to provide services, organizational barriers, and basic financial…

  11. 77 FR 16585 - Open Meeting of the President's Advisory Council on Financial Capability

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-03-21

    ... private sector in improving financial capability. DATES: The meeting will be held on April 9, 2012, at 10... federal government and the private sector can work together to improve the financial capability of...

  12. Financial Capability and Sociodemographic Factors among Survivors of Human Trafficking.

    PubMed

    Okech, David; McGarity, Stephen Vandiver; Hansen, Nathan; Burns, Abigail C; Howard, Waylon

    2018-01-01

    Improving the economic well-being of the girls and women is a key to reducing re-trafficking and in providing stability that survivors can use to rebuild their lives. The study looks at how various sociodemographic traits affected the financial capability of n = 144 women and girls who received intervention at a residential care facility in Ghana, West Africa. Three domain of financial capability are assessed in this, i.e., financial risk, financial planning, and financial saving. A scaled likelihood ratio test (chi-square difference test) was used to evaluate the significance of each direct covariate effect(%). Each of the overall goodness-of-fit indices suggested that the initial CFA model fit the data well, χ 2 (19, N = 144)  = 31.45, p = 0.04, RMSEA = 0.067 (90% CI: 0.017-0.108), TLI = 0.923, CFI = 0.948. Older women reported lower levels of financial savings than younger women. We found that women with secondary school education or higher reported significantly higher financial risk than women with less education. Women with children reported lower levels of financial saving than women without children. Married women indicated significantly more financial saving than single women. There was a significant negative effect of time spent in trafficking conditions on financial saving, indicating the highest average level of financial savings at intervention and decreased thereafter. Programs and policies in resource-scarce contexts that aim to assist trafficking survivors must go beyond providing psychosocial counseling and focus also on economic development opportunities.

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

    ERIC Educational Resources Information Center

    Eichelberger, Brenda; Mattioli, Heather; Foxhoven, Rachel

    2017-01-01

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

  14. Ambiguity in determining financial capability of SSI and SSDI beneficiaries with psychiatric disabilities.

    PubMed

    Lazar, Christina M; Black, Anne C; McMahon, Thomas J; O'Shea, Kevin; Rosen, Marc I

    2015-03-01

    The liberty of individuals who receive Social Security disability payments is constrained if they are judged incapable of managing their payments and are assigned a payee or conservator to manage benefit payments on their behalf. Conversely, beneficiaries' well-being may be compromised if they misspend money that they need to survive. Several studies have shown that determinations of financial capability are made inconsistently and that capability guidelines appear to be applied inconsistently. This article describes ambiguities that remained for individuals even after a comprehensive assessment of financial capability was conducted by independent assessors. Trained, experienced assessors rated the financial capability of 118 individuals in intensive outpatient or inpatient psychiatric facilities who received Social Security Disability Insurance or Supplemental Security Income. Ten individuals' cases were determined to be difficult to judge. Six sources of ambiguity were identified by case review: distinguishing incapability from the challenges of navigating poverty, the amount of nonessential spending that indicates incapability, the amount of spending on harmful things that indicates incapability, how to consider intermittent periods of capability and incapability, the relative weighting of past behavior and future plans to change, and discrepancies between different sources of information. The cases raise fundamental questions about how to define and identify financial incapability, but they also illustrate how detailed consideration of beneficiaries' living situations and decision making can inform the difficult dichotomous decision about capability.

  15. All-Data Approach to Assessing Financial Capability in People with Psychiatric Disabilities

    PubMed Central

    Lazar, Christina M.; Black, Anne C.; McMahon, Thomas J.; Rosenheck, Robert A.; Ries, Richard; Ames, Donna; Rosen, Marc I.

    2015-01-01

    The goal of this project was to develop an evidence-based method to assess the ability of disabled persons to manage federal disability payments. This paper describes the development of the FISCAL (Financial Incapability Structured Clinical Assessment done Longitudinally) measure of financial capability. The FISCAL was developed by an iterative process of literature review, pilot testing, and expert consultation. Independent assessors used the FISCAL to rate the financial capability of 118 participants (57% female, 57% Caucasian) who: received Social Security disability payments, had recently been treated in acute care facilities for psychiatric disorders, and who did not have representative payees or conservators. Altogether, 48% of participants were determined financially incapable by the FISCAL, of whom 60% were incapable due to unmet basic needs, 91% were incapable due to spending that harmed them (e.g. on illicit drugs or alcohol), 56% were incapable due to both unmet needs and harmful spending, and 5% were incapable due to contextual factors. As expected, incapable individuals scored higher on a measure of money mismanagement (p < .001) compared to capable individuals. Inter-rater reliability for FISCAL capability determinations was very good (Kappa = .77) and inter-rater agreement was 89%. In this population the FISCAL had construct validity; ratings demonstrated good reliability and correlated with a related measure. Potentially, the FISCAL can be used to validate other measures of capability and to help understand how people on limited incomes manage their funds. PMID:26146947

  16. All-data approach to assessing financial capability in people with psychiatric disabilities.

    PubMed

    Lazar, Christina M; Black, Anne C; McMahon, Thomas J; Rosenheck, Robert A; Ries, Richard; Ames, Donna; Rosen, Marc I

    2016-04-01

    The goal of this project was to develop an evidence-based method to assess the ability of disabled persons to manage federal disability payments. This article describes the development of the Financial Incapability Structured Clinical Assessment done Longitudinally (FISCAL) measure of financial capability. The FISCAL was developed by an iterative process of literature review, pilot testing, and expert consultation. Independent assessors used the FISCAL to rate the financial capability of 118 participants (57% female, 58% Caucasian) who received Social Security disability payments, had recently been treated in acute care facilities for psychiatric disorders, and who did not have representative payees or conservators. Altogether, 48% of participants were determined financially incapable by the FISCAL, of whom 60% were incapable because of unmet basic needs, 91% were incapable because of spending that harmed them (e.g., on illicit drugs or alcohol), 56% were incapable because of both unmet needs and harmful spending, and 5% were incapable because of contextual factors. As expected, incapable individuals scored higher on a measure of money mismanagement (p < .001) compared with capable individuals. Interrater reliability for FISCAL capability determinations was very good (κ = .77) and interrater agreement was 89%. In this population, the FISCAL had construct validity; ratings demonstrated good reliability and correlated with a related measure. Potentially, the FISCAL can be used to validate other measures of capability and to help understand how people on limited incomes manage their funds. (c) 2016 APA, all rights reserved.

  17. 76 FR 54534 - President's Advisory Council on Financial Capability Proposed Themes and Principles; Request for...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-01

    ... public comment. SUMMARY: The Department of the Treasury, on behalf of the President's Advisory Council on Financial Capability (``Council''), invites public comment on the Council's proposed themes and principles... Treasury on means to promote and enhance individuals' and families' financial capability. DATES: Submission...

  18. A Developmental Model of Financial Capability: A Framework for Promoting a Successful Transition to Adulthood

    ERIC Educational Resources Information Center

    Serido, Joyce; Shim, Soyeon; Tang, Chuanyi

    2013-01-01

    This study proposes a developmental model of financial capability to understand the process by which young adults acquire the financial knowledge and behaviors needed to manage full-time adult social roles and responsibilities. The model integrates financial knowledge, financial self-beliefs, financial behavior, and well-being into a single…

  19. 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…

  20. 76 FR 18829 - Open Meeting of the President's Advisory Council on Financial Capability

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-05

    ... DEPARTMENT OF THE TREASURY Open Meeting of the President's Advisory Council on Financial... Council on Financial Capability (``Council'') will convene its second meeting on April 21, 2011 at the Department of Education, 400 Maryland Avenue, SW., Washington, DC, beginning at 11:00 a.m. Eastern Time. The...

  1. 3 CFR 13530 - Executive Order 13530 of January 29, 2010. President's Advisory Council on Financial Capability

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... approaches; (iii) promote access to financial services; (iv) promote the private-sector development of... financial stability, it is the policy of the Federal Government to promote and enhance financial capability... actions to improve their present and long-term financial well-being. Sec. 2. Establishment of the Council...

  2. Determining Financial Capability of SSI/SSDI Beneficiaries with Psychiatric Disabilities: A Case Series

    PubMed Central

    Lazar, Christina M.; Black, Anne C.; McMahon, Thomas J; O’Shea, Kevin; Rosen, Marc I.

    2015-01-01

    Objective Social Security beneficiaries’ liberty is constrained if they are judged incapable of managing their disability payments and are assigned a fiduciary to manage benefit payments on their behalf. Conversely, beneficiaries’ well-being may be compromised if they misspend money that they need to survive. Several studies have shown that determinations of financial capability are made inconsistently and capability guidelines appear to be applied inconsistently in practice. This case series describes the ambiguities remaining for a small number of individuals even after published criteria for capability— failing to meet basic needs and/or harmful spending on drugs— are applied. Methods Trained, experienced assessors rated the financial capability of 119 individuals in intensive outpatient or inpatient psychiatric facilities who received SSI or SSDI payments. Ten individuals’ cases were determined difficult to judge. Results Six sources of ambiguity were identified by case review: distinguishing incapability from the challenges of navigating poverty, the amount of nonessential spending needed to be considered incapable, the amount of spending on harmful things needed to be considered incapable, how intermittent periods of capability and incapability should be considered, the relative weighting of past behavior and future plans to change, and discrepancies between different sources of information. Conclusion The cases raise fundamental questions about what financial incapability is, but also illustrate how detailed consideration of beneficiaries’ living situations and decision making can inform the difficult dichotomous decision about capability. PMID:25727116

  3. 76 FR 19263 - National Financial Literacy Month, 2011

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-06

    ... Financial Literacy Month, 2011 By the President of the United States of America A Proclamation Americans... Financial Literacy Month, we recommit to improving financial literacy and ensuring all Americans have access... hereby proclaim April 2011 as National Financial Literacy Month. I call upon all Americans to observe...

  4. Ensuring US National Aeronautics Test Capabilities

    NASA Technical Reports Server (NTRS)

    Marshall, Timothy J.

    2010-01-01

    U.S. leadership in aeronautics depends on ready access to technologically advanced, efficient, and affordable aeronautics test capabilities. These systems include major wind tunnels and propulsion test facilities and flight test capabilities. The federal government owns the majority of the major aeronautics test capabilities in the United States, primarily through the National Aeronautics and Space Administration (NASA) and the Department of Defense (DoD). However, changes in the Aerospace landscape, primarily the decrease in demand for testing over the last 20 years required an overarching strategy for management of these national assets. Therefore, NASA established the Aeronautics Test Program (ATP) as a two-pronged strategic initiative to: (1) retain and invest in NASA aeronautics test capabilities considered strategically important to the agency and the nation, and (2) establish a strong, high level partnership with the DoD. Test facility utilization is a critical factor for ATP because it relies on user occupancy fees to recover a substantial part of the operations costs for its facilities. Decreasing utilization is an indicator of excess capacity and in some cases low-risk redundancy (i.e., several facilities with basically the same capability and overall low utilization). However, low utilization does not necessarily translate to lack of strategic importance. Some facilities with relatively low utilization are nonetheless vitally important because of the unique nature of the capability and the foreseeable aeronautics testing needs. Unfortunately, since its inception, the customer base for ATP has continued to shrink. Utilization of ATP wind tunnels has declined by more than 50% from the FY 2006 levels. This significant decrease in customer usage is attributable to several factors, including the overall decline in new programs and projects in the aerospace sector; the impact of computational fluid dynamics (CFD) on the design, development, and research

  5. Financial Capability and Asset Building in Social Work Education: Is It "The Big Piece Missing?"

    ERIC Educational Resources Information Center

    Sherraden, Margaret; Birkenmaier, Julie; McClendon, Gena G.; Rochelle, Michael

    2017-01-01

    Although social workers recently have renewed the profession's historical focus on the financial well-being of vulnerable families, they receive little professional education to prepare them for this work. This study examines the implementation and outcomes of infusing a financial capability and asset building (FCAB) curriculum in a variety of…

  6. “We Routinely Borrow to Survive”: Exploring the Financial Capability of Income-Poor People in India.

    PubMed

    Banerjee, Mahasweta M

    2016-10-01

    A lack of financial capability—financial opportunities and abilities—and poverty are highly interlinked. Over 65 percent of people in India are excluded from any financial services. This article explores income-poor Indians’ experiences with financial capability through a qualitative study. Purposive sampling was used to collect data from 658 individuals, through focus groups (n = 566) and face-to-face interviews (n = 92). Findings show that 97 percent of respondents had the opportunity to earn an income, and 55 percent earned through financial inclusion programs, but 87 percent of respondents earned less than U.S. $2 a day. Although almost all saved and needed to borrow, 46 percent were eligible for formal savings and only 23 percent for formal loans. Financial abilities or knowledge and skills related to income, savings, and loans were higher among the few who had a stable income or had medium and high income in relation to those who had unstable and low income. Respondents experienced many challenges with their financial capabilities, including borrowing to save, fearing formal loans, and lacking clarity about loan and interest rate; banks miscalculating interest rates; and political parties influencing access to loans. Implications for social policy and social work practice are discussed.

  7. Financial Analysis of National University Hospitals in Korea.

    PubMed

    Lee, Munjae

    2015-10-01

    This paper provides information for decision making of the managers and the staff of national university hospitals. In order to conduct a financial analysis of national university hospitals, this study uses reports on the final accounts of 10 university hospitals from 2008 to 2011. The results of comparing 2008 and 2011 showed that there was a general decrease in total assets, an increase in liabilities, and a decrease in total medical revenues, with a continuous deficit in many hospitals. Moreover, as national university hospitals have low debt dependence, their management conditions generally seem satisfactory. However, some individual hospitals suffer severe financial difficulties and thus depend on short-term debts, which generally aggravate the profit and loss structure. Various indicators show that the financial state and business performance of national university hospitals have been deteriorating. These research findings will be used as important basic data for managers who make direct decisions in this uncertain business environment or by researchers who analyze the medical industry to enable informed decision-making and optimized execution. Furthermore, this study is expected to contribute to raising government awareness of the need to foster and support the national university hospital industry.

  8. Infusing Financial Capability and Asset Building Content into a Community Organizing Class

    ERIC Educational Resources Information Center

    Doran, Joanna K.; Bagdasaryan, Sofya

    2018-01-01

    As social work's fight for social and economic justice returns to its historical attention to finances, faculty are called to infuse financial capability and asset building (FCAB) content into their classes. Given few published models, this study contributes a redesign that infuses FCAB in a community organization course, with additional attention…

  9. Toward a US National Air Quality Forecast Capability: Current and Planned Capabilities

    EPA Science Inventory

    As mandated by Congress, NOAA is establishing a US national air quality forecast capability. This capability is being built with EPA, to provide air quality forecast information with enough accuracy and lead-time so that people can take actions to limit harmful effects of poor a...

  10. FY16 Analysis report: Financial systems dependency on communications

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Beyeler, Walter E.

    Within the Department of Homeland Security (DHS), the Office of Cyber and Infrastructure Analysis (OCIA)'s National Infrastructure Simulation and Analysis Center (NISAC) develops capabilities to support the DHS mission and the resilience of the Nation’s critical infrastructure. At Sandia National Laboratories, under DHS/OCIA direction, NISAC is developing models of financial sector dependence on communications. This capability is designed to improve DHS's ability to assess potential impacts of communication disruptions to major financial services and the effectiveness of possible mitigations. This report summarizes findings and recommendations from the application of that capability as part of the FY2016 NISAC program plan.

  11. National Standards for Financial Literacy: Rationale and Content

    ERIC Educational Resources Information Center

    Bosshardt, William; Walstad, William B.

    2014-01-01

    The "National Standards for Financial Literacy" describe the knowledge, understanding, and skills that are important for students to learn about personal finance. They are designed to guide teachers, school administrators, and other educators in developing curriculum and educational materials for teaching financial literacy. In this…

  12. Expanded Capabilities for the Hydrogen Financial Analysis Scenario Tool (H2FAST)

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Bush, Brian; Melaina, Marc; Penev, Michael

    This presentation describes how NREL expanded the capabilities for the Hydrogen Financial Analysis Scenario Tool (H2FAST) in FY16. It was presented at the U.S. Department of Energy Hydrogen and Fuel Cells Program 2016 Annual Merit Review and Peer Evaluation Meeting on June 8, 2016, in Washington, D.C.

  13. Financial Analysis of National University Hospitals in Korea

    PubMed Central

    Lee, Munjae

    2015-01-01

    Objectives This paper provides information for decision making of the managers and the staff of national university hospitals. Methods In order to conduct a financial analysis of national university hospitals, this study uses reports on the final accounts of 10 university hospitals from 2008 to 2011. Results The results of comparing 2008 and 2011 showed that there was a general decrease in total assets, an increase in liabilities, and a decrease in total medical revenues, with a continuous deficit in many hospitals. Moreover, as national university hospitals have low debt dependence, their management conditions generally seem satisfactory. However, some individual hospitals suffer severe financial difficulties and thus depend on short-term debts, which generally aggravate the profit and loss structure. Various indicators show that the financial state and business performance of national university hospitals have been deteriorating. Conclusion These research findings will be used as important basic data for managers who make direct decisions in this uncertain business environment or by researchers who analyze the medical industry to enable informed decision-making and optimized execution. Furthermore, this study is expected to contribute to raising government awareness of the need to foster and support the national university hospital industry. PMID:26730356

  14. Students' Production of Curricular Knowledge: Perspectives on Empowerment in Financial Capability Education

    ERIC Educational Resources Information Center

    Farnsworth, Valerie; Davis, Pauline; Kalambouka, Afroditi; Ralph, Susan; Shi, Xin; Farrell, Peter

    2011-01-01

    The aim of this article is to extend our understanding of the relationship between knowledge of personal finance and empowerment. The analysis is based on interview data obtained as part of a longitudinal study of students, aged 16-19, who completed a financial capability course in the UK. The analysis presents a set of cultural models or…

  15. Lawrence Berkeley National Laboratory 2016 Annual Financial Report

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Williams, Kim, P.; Williams, Kim, P.

    and remain cost-competitive. Through a comprehensive approach to prioritize competing needs, the Lab ended the year in a favorable financial position. The Office of the Chief Financial Officer (OCFO) played a key role in providing analysis and decision support to Executive Leadership, enabling the Lab to enhance its financial management strategies. In FY2016, the OCFO updated its analytic approaches and models to enhance long term financial projections under various funding and investment scenarios, and to assess total cost of ownership for major proposed investments. These improvements provided the new Lab Director and Senior Leadership with more comprehensive information and analytic support for planning and prioritization efforts. Within the OCFO, we focused on core operations and key initiatives defined in our OCFO Strategic Roadmap. The Lab’s Financial System transitioned from stabilization to optimization, with a focus on expanding the financial reporting capabilities considerably. We completed implementation of the eCommerce platform, achieving a notable outcome for the Lab in close partnership with DOE’s Office of Science. In other accomplishments, we launched a financial literacy program to enable Lab managers and staff to understand and execute their financial management and stewardship responsibilities more effectively; made substantial progress in enhancing our Field Finance model that provides financial support to client divisions and areas; developed a business process governance model to define OCFO business processes, clarify roles, and strengthen service delivery; and implemented a Partners in Leadership training program to build leadership capacity among our staff. We completed a ‘refresh’ of our Strategic Roadmap, which now defines our priorities for FY2017-FY2019. As a part of this effort, we made a subtle but important change to the OCFO mission statement to call out the Lab’s research and stewardship mission to sustain the Lab

  16. 12 CFR 7.1021 - National bank participation in financial literacy programs.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 1 2011-01-01 2011-01-01 false National bank participation in financial literacy programs. 7.1021 Section 7.1021 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND OPERATIONS Bank Powers § 7.1021 National bank participation in financial...

  17. Air National Guard Financial Reports on the National Guard and Reserve Equipment Appropriation.

    DTIC Science & Technology

    1997-12-16

    consolidated financial statements for FY 1996 and each succeeding year. In 1981, Congress established the National Guard and Reserve Equipment Appropriation to provide the equipment needed to maintain the readiness of the National Guard and Reserve units. In FY 1996, the Air National Guard received a total of $260.4 million for National Guard and Reserve Equipment programs, The Defense Finance

  18. 78 FR 39157 - Establishing the President's Advisory Council on Financial Capability for Young Americans

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-28

    ... stage in schools, families, communities, and the workplace. By starting early, young people can begin to... to improve financial capability, which should be based on evidence of effectiveness, empower... women and minorities. Sec. 5. Administration of the Council. (a) To the extent permitted by law, the...

  19. 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…

  20. Financial Capability in Early Social Work Practice: Lessons for Today.

    PubMed

    Stuart, Paul H

    2016-10-01

    During the profession's first decades, social workers tried to improve their clients’ financial capability (FC). This article describes the methods used by early social workers who attempted to enhance the FC of their clients, based on contemporary descriptions of their practice. Social workers initially emphasized thrift, later adding more sophisticated consideration of the cost of foods, rent, and other necessities. Social work efforts were furthered by home economists, who served as specialists in nutrition, clothing, interior design, and other topics related to homemaking. Early home economists included specialists in nutrition and family budgeting; these specialists worked with social services agencies to provide a financial basis for family budgets and assisted clients with family budgeting. Some agencies engaged home economists as consultants and as direct providers of instruction on home budgets for clients. By the 1930s, however, social work interest in family budget problems focused on the psychological meaning of low income to the client, rather than in measures to increase client FC. Consequently, social workers’ active engagement with family budget issues—engagement that characterized earlier decades—faded. These early efforts can inform contemporary practice as social workers are once again concerned about improving their clients’ FC.

  1. 3 CFR 8793 - Proclamation 8793 of April 2, 2012. National Financial Capability Month, 2012

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... of the free, reliable financial resources at www.MyMoney.gov, www.ConsumerFinance.gov, and 1-888-MyMoney. NOW, THEREFORE, I, BARACK OBAMA, President of the United States of America, by virtue of the...

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

    ERIC Educational Resources Information Center

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

    2017-01-01

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

  3. Evaluation of the Basic Skills Agency's Financial Literacy Project. Executive Summary

    ERIC Educational Resources Information Center

    Rhodes, Valerie; Coben, Diana

    2007-01-01

    The Financial Services Authority (FSA) is leading a national strategy to improve the United Kingdom's financial capability (FSA, 2006). The strategy recognises that there is a need for Financial Literacy education across all areas of society, from children in school to mature adults in all walks of life. In order to meet this need and to be…

  4. Power source evaluation capabilities at Sandia National Laboratories

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Doughty, D.H.; Butler, P.C.

    1996-04-01

    Sandia National Laboratories maintains one of the most comprehensive power source characterization facilities in the U.S. National Laboratory system. This paper describes the capabilities for evaluation of fuel cell technologies. The facility has a rechargeable battery test laboratory and a test area for performing nondestructive and functional computer-controlled testing of cells and batteries.

  5. Recent Investments by NASA's National Force Measurement Technology Capability

    NASA Technical Reports Server (NTRS)

    Commo, Sean A.; Ponder, Jonathan D.

    2016-01-01

    The National Force Measurement Technology Capability (NFMTC) is a nationwide partnership established in 2008 and sponsored by NASA's Aeronautics Evaluation and Test Capabilities (AETC) project to maintain and further develop force measurement capabilities. The NFMTC focuses on force measurement in wind tunnels and provides operational support in addition to conducting balance research. Based on force measurement capability challenges, strategic investments into research tasks are designed to meet the experimental requirements of current and future aerospace research programs and projects. This paper highlights recent and force measurement investments into several areas including recapitalizing the strain-gage balance inventory, developing balance best practices, improving calibration and facility capabilities, and researching potential technologies to advance balance capabilities.

  6. 76 FR 65780 - Open Meeting of the President's Advisory Council on Financial Capability

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-10-24

    ..., the Department will make all statements available in their original format, including any business or... Pennsylvania Avenue, NW., Washington, DC, 20220, on official business days between the hours of 10 a.m. and 5 p... strategic areas: National Strategy, Financial Access, Research and Evaluation, Partnerships, and Youth. The...

  7. Financial capability, asset ownership, and later-age immigration: evidence from a sample of low-income older Asian immigrants.

    PubMed

    Nam, Yunju; Lee, Eun Jeong; Huang, Jin; Kim, Junpyo

    2015-01-01

    We examined financial capability and asset ownership among low-income older Asian immigrants with special attention given to later-age immigrants who came to the United States when they were 55 years old or older. Survey data collected from supported employment program participants (N = 150) were used. The analyses demonstrated a low level of financial knowledge and asset ownership in the sample. The findings also indicated that later-age immigrants' financial-management skills, knowledge of social programs, and asset ownership were significantly lower than those of young-age immigrants. These findings call for active interventions to enhance economic security among low-income older Asian immigrants.

  8. Office of the Chief Financial Officer Strategic Plan2008-2012

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Various

    2007-11-19

    This is an update to the Office of the Chief Financial Officer's (OCFO's) multi-year strategy to continue to build a highly effective, efficient and compliant financial and business approach to support the scientific mission of Lawrence Berkeley National Laboratory (LBNL). The guiding principles of this strategy are to provide the greatest capability for the least cost while continually raising the standards of professional financial management in service to the LBNL science mission.

  9. Danish Universities in the Financial Crisis: Change and Trust

    ERIC Educational Resources Information Center

    Milthers, Pernille Meyn

    2011-01-01

    Universities have always been important to national economies, but since the financial crisis of 2007-08 they have become key economic actors. Because they supply highly skilled labour and undertake basic research that enable nations to engage in global competition, they are capable of boosting production and innovation. This article explores the…

  10. Teaching about Personal Finance: The National Standards for Financial Literacy

    ERIC Educational Resources Information Center

    Hill, Andrew T.; Suiter, Mary C.

    2014-01-01

    In "Proposed National Standards for Financial Literacy: What's In? What's Out?", Maier, Figart, and Nelson pose the question: "How should educators use the standards?" In answering that question, they suggest a number of issues and topics that they believe should be taught along with the "National Standards for…

  11. 75 FR 5481 - President's Advisory Council on Financial Capability

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-02-03

    ... of the Treasury and the Secretary of Education, who may designate a senior official from each of... research experience related to financial education and financial access. (b) Members of the Council shall... executive departments and agencies (including members of the Financial Literacy and Education Commission...

  12. The national financial adjustment policy and the equalisation of health levels among prefectures.

    PubMed

    Takano, T; Nakamura, K

    2001-10-01

    The objectives of this study were to examine (1) trends concerning financial assistance from the national government to local governments, (2) trends regarding death rates and life expectancies among prefectures, and (3) the effect of the national financial adjustment policy in equalising both the revenues of local governments and variations in the health levels among prefectures in terms of death rates and life expectancies. The study analysed prefectural income, the amount of national taxes collected, financial assistance from the national government to local governments, and age adjusted death rates and life expectancies of all of the prefectures in Japan during the period from 1965 through 1995. (1) Under the financial adjustment policy, financial assistance from the national government to the local governments, which consists of the sum of the local allocation tax and treasury disbursements, increased from 1831 billion yen in 1965 to 31 116 billion yen in 1995. (2) During the same period, the age adjusted death rate per 100 000 people decreased from 1168.9 (1965) to 545.3 (1995). The range of variation in the age adjusted death rate among prefectures diminished as the coefficient of variation of the death rate declined from 0.060 in 1965 to 0.043 in 1995. (3) There was a significant statistical correlation between higher prefectural incomes and lower mortality rates during from 1965 until 1975 (p < 0.05), whereas this correlation was indistinct in the 1980s and has not been observed since 1990. (4) The relative health level of Tokyo has declined in terms of its ranking among all the prefectures with regard to life expectancy, from being the best in 1965 to below average in 1995. The national financial adjustment policy to balance the revenues of local governments has increased the health levels of rural prefectures. It is probable that the policy reduced the disparity in death rates and life expectancies among prefectures throughout the country. However, the

  13. 3 CFR 8646 - Proclamation 8646 of March 31, 2011. National Financial Literacy Month, 2011

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... more information on improving financial literacy, concerned individuals may visit www.MyMoney.gov or... Financial Literacy Month, 2011 8646 Proclamation 8646 Presidential Documents Proclamations Proclamation 8646 of March 31, 2011 Proc. 8646 National Financial Literacy Month, 2011By the President of the United...

  14. NASA's Space Launch System (SLS): A New National Capability

    NASA Technical Reports Server (NTRS)

    May, Todd A.

    2012-01-01

    The National Aeronautics and Space Administration's (NASA's) Space Launch System (SLS) will contribute a new national capability for human space flight and scientific missions to low- Earth orbit (LEO) and beyond. Exploration beyond Earth orbit will be an enduring legacy to future generations, confirming America s desire to explore, learn, and progress. The SLS Program, managed at NASA s Marshall Space Fight Center, will develop the heavy lift vehicle that will launch the Orion Multi-Purpose Crew Vehicle (MPCV), equipment, supplies, and science experiments for missions beyond Earth s orbit. This paper gives an overview of the SLS design and management approach against a backdrop of the missions it will empower. It will detail the plan to move from the computerized drawing board to the launch pad in the near term, as well as summarize the innovative approaches the SLS team is applying to deliver a safe, affordable, and sustainable long-range national capability.

  15. Perceived financial retirement preparedness and its correlates: a national study in Israel.

    PubMed

    Segel-Karpas, Dikla; Werner, Perla

    2014-01-01

    Studies suggest that a large proportion of adults do not manage to save enough for retirement. Correlates of retirement saving behaviors have yet to be fully understood. The goal of this study was to examine perceived financial preparedness for retirement and its correlates. We studied the effect of perceived financial knowledge and involvement, social and institutional support, and attitudes toward retirement in a national sample of 227 non-retired Israeli adults (mean age = 44; 53% female; 81% Jewish). Results indicated that only about 20% perceived themselves as financially prepared for retirement. The main correlates of financial preparedness were financial knowledge and involvement in financial activities. The results show that a large proportion of the Israeli population feel underprepared for retirement. Those who perceive themselves as having high levels of financial knowledge are less predisposed to feel underprepared. Future research should examine the relationship between perceived financial preparedness and actual savings. © The Author(s) 2015 Reprints and permissions: sagepub.co.uk/journalsPermissions.nav.

  16. Comparative Financial Statistics for Public Two-Year Colleges: FY 1993 National Sample.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Meeker, Bradley

    This report provides comparative information derived from a national sample of 516 public two-year colleges, highlighting financial statistics for fiscal year, 1992-93. This report provides space for colleges to compare their institutional statistics with national sample medians, quartile data for the national sample, and statistics presented in a…

  17. Comparative Financial Statistics for Public Two-Year Colleges: FY 1991 National Sample.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Cirino, Anna Marie

    This report provides comparative financial information derived from a national sample of 503 public two-year colleges. The report includes space for colleges to compare their institutional statistics with data provided on national sample medians; quartile data for the national sample; and statistics presented in various formats, including tables,…

  18. Task Force on Defense Strategies for Ensuring the Resilience of National Space Capabilities. Executive Summary

    DTIC Science & Technology

    2017-03-21

    March 2017 Task Force on Defense Strategies for Ensuring the Resilience of National Space Capabilities OFFICE OF THE UNDER SECRETARY OF...the Department of Defense. The DSB Task Force on Defense Strategies for Ensuring the Resilience of National Space Capabilities completed its formal...Ensuring the Resilience of National Space Capabilities | i DSB Task Force on Defense Strategies for Ensuring the

  19. 75 FR 42749 - Fidelity National Financial, Inc.; Analysis of the Agreement Containing Consent Order to Aid...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-22

    ... FEDERAL TRADE COMMISSION [File No. 091 0032] Fidelity National Financial, Inc.; Analysis of the... prohibiting unfair or deceptive acts or practices or unfair methods of competition. The attached Analysis to... comments electronically or in paper form. Comments should refer to ``Fidelity National Financial, File No...

  20. Financial Impacts of Foot-and-Mouth Disease at Village and National Levels in Lao PDR.

    PubMed

    Nampanya, S; Khounsy, S; Abila, R; Young, J R; Bush, R D; Windsor, P A

    2016-10-01

    To assist policies on Foot-and-Mouth Disease (FMD) control in Laos and the Mekong region, the financial impact of recent outbreaks at village and national levels was examined. Village-level impacts were derived from recent research on financial losses due to FMD per smallholder household and number of households with FMD-affected livestock in the village. National-level impacts of FMD were determined from examination of 2011-2013 FMD reported to the Lao Department of Livestock and Fisheries (DLF), with the 2011 epidemic reported separately due to the large number and size of outbreaks of FMD in that year. Estimates of the national financial impact of FMD were based on (i) total FMD financial losses at the village level and (ii) the costs of FMD responses and other related costs at the DLF, provincial and district levels where FMD was reported, but excluding the costs of revenue forgone. A Monte Carlo simulation was utilized to account for likelihood of FMD over- and under-reporting. Foot-and-mouth disease was recorded in four provinces of Phonsaly, Bokeo, Xayyabouli and Champasak in three consecutive years from 2011 to 2013. However, the FMD epidemic in 2011 was more widely distributed and involved 414 villages in 14 provinces, with thousands of cases of morbidity in cattle and buffalo and some mortalities. The estimated financial losses due to FMD in 2011 were USD 30 881(±23 176) at the village level and USD 13 512 291 at the national level based on the number of villages with FMD outbreaks reported. However, when the likelihood of FMD under-reporting was accounted for, the estimated financial losses at the national level could potentially increase to USD 102 094 464 (±52 147 261), being almost 12% of the estimated farm gate value of the national large ruminant herd. These findings confirm that FMD causes substantial financial impacts in villages and to the national economy of Laos, providing justification for sustained investments in FMD control

  1. Nuclear energy related capabilities at Sandia National Laboratories

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Pickering, Susan Y.

    2014-02-01

    Sandia National Laboratories' technology solutions are depended on to solve national and global threats to peace and freedom. Through science and technology, people, infrastructure, and partnerships, part of Sandia's mission is to meet the national needs in the areas of energy, climate and infrastructure security. Within this mission to ensure clean, abundant, and affordable energy and water is the Nuclear Energy and Fuel Cycle Programs. The Nuclear Energy and Fuel Cycle Programs have a broad range of capabilities, with both physical facilities and intellectual expertise. These resources are brought to bear upon the key scientific and engineering challenges facing themore » nation and can be made available to address the research needs of others. Sandia can support the safe, secure, reliable, and sustainable use of nuclear power worldwide by incorporating state-of-the-art technologies in safety, security, nonproliferation, transportation, modeling, repository science, and system demonstrations.« less

  2. Financial performance among adult day centers: results of a national demonstration program.

    PubMed

    Reifler, B V; Henry, R S; Rushing, J; Yates, M K; Cox, N J; Bradham, D D; McFarlane, M

    1997-02-01

    This paper describes the financial performance (defined as percent of total expenses covered by net operating revenue) of 16 adult day centers participating in a national demonstration program on day services for people with dementia, including examination of possible predictors of financial performance. Participating sites submitted quarterly financial and utilization reports to the National Program Office. Descriptive statistics summarize the factors believed to influence financial performance. Sites averaged meeting 35% of expenses from self-pay and 29% from government (mainly Medicaid) revenue, totaling 64% of all (cash plus in-kind) expenses met by operating revenue. Examination of center characteristics suggests that factors related to meeting consumer needs, such as being open a full day (i.e., 7:30 am to 6:00 pm) rather than shorter hours, and providing transportation, may be related to improved utilization and, thus, improved financial performance. Higher fees were not related to lower enrollment, census, or revenue. Adult day centers are able to achieve financial viability through a combination of operating (i.e., fee-for-service) and non-operating revenue. Operating revenue is enhanced by placing emphasis on consumer responsiveness, such as being open a full day. Because higher fees were not related to lower utilization, centers should set fees to reflect actual costs. The figure of 64% of expenses met by operating revenue is conservative inasmuch as sites included in-kind revenue as expenses in their budgeting calculations, and percent of cash expenses met by operating revenue would be higher (approximately 75% for this group of centers).

  3. National Summit on Economic & Financial Literacy (Washington, DC, March 3, 2005). Executive Summary

    ERIC Educational Resources Information Center

    National Council on Economic Education (NJ3), 2005

    2005-01-01

    On March 3, 2005, a gathering of policy-shapers, thought-leaders and decision-makers met for The National Summit on Economic and Financial Literacy to promote the benefits of economic and financial literacy to individuals, families, businesses and communities. The ultimate goal of the Summit was to ensure that everyone has the real-life skills…

  4. Intersectoral interagency partnerships to promote financial capability in older people.

    PubMed

    Hean, Sarah; Fenge, Lee Ann; Worswick, Louise; Wilkinson, Charlie; Fearnley, Stella

    2012-09-01

    From the second quarter of 2008, the UK economy entered a period of economic decline. Older people are particularly vulnerable during these times. To promote ways in which older people can be better supported to maintain their financial well-being, this study explored the sources older people utilize to keep themselves financially informed. Interviews with older people (n = 28) showed that older people access trusted sources of information (e.g. healthcare professionals) rather than specialist financial information providers (e.g. financial advisors) which highlighted the need for interagency working between financial services in the private, public and voluntary sectors. An example of how such interagency partnerships might be achieved in practice is presented with some recommendations on directions for future research into interagency working that spans public, private and voluntary sectors.

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

    Treesearch

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

    2007-01-01

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

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

    Treesearch

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

    2006-01-01

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

  7. Comparative Financial Statistics for Public Two-Year Colleges: FY 1992 National Sample.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Cirino, Anna Marie

    This report, the 15th in an annual series, provides comparative information derived from a national sample of 544 public two-year colleges, highlighting financial statistics for fiscal year 1991-92. The report offers space for colleges to compare their institutional statistics with data provided on national sample medians; quartile data for the…

  8. Comparative Financial Statistics for Public Two-Year Colleges: FY 1995 National Sample.

    ERIC Educational Resources Information Center

    Meeker, Bradley

    Based on responses by 405 public two-year colleges in the United States to 2 surveys, this report provides comparative financial information for fiscal year 1994-95. The report provides space for colleges to compare their institutional statistics with national sample medians, quartile data for the national sample, and tables and graphs of…

  9. Comparative Financial Statistics for Public Two-Year Colleges: FY 1994 National Sample.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Meeker, Bradley

    Based on responses by 427 public two-year colleges in the United States to two surveys, this report provides comparative financial information for fiscal year 1993-94. The report provides space for colleges to compare their institutional statistics with national sample medians, quartile data for the national sample, and tables and graphs of…

  10. Update: Partnership for the Revitalization of National Wind Tunnel Force Measurement Technology Capability

    NASA Technical Reports Server (NTRS)

    Rhew, Ray D.

    2010-01-01

    NASA's Aeronautics Test Program (ATP) chartered a team to examine the issues and risks associated with the lack of funding and focus on force measurement over the past several years, focusing specifically on strain-gage balances. NASA partnered with the U.S. Air Force's Arnold Engineering Development Center (AEDC) to exploit their combined capabilities and take a national level government view of the problem and established the National Force Measurement Technology Capability (NFMTC) project. This paper provides an update on the team's status for revitalizing the government's balance capability with respect to designing, fabricating, calibrating, and using the these critical measurement devices.

  11. Partnership for the Revitalization of National Wind Tunnel Force Measurement Capability

    NASA Technical Reports Server (NTRS)

    Rhew, Ray D.; Skelley, Marcus L.; Woike, Mark R.; Bader, Jon B.; Marshall, Timothy J.

    2009-01-01

    Lack of funding and lack of focus on research over the past several years, coupled with force measurement capabilities being decentralized and distributed across the National Aeronautics and Space Administration (NASA) research centers, has resulted in a significant erosion of (1) capability and infrastructure to produce and calibrate force measurement systems; (2) NASA s working knowledge of those systems; and (3) the quantity of high-quality, full-capability force measurement systems available for use in aeronautics testing. Simultaneously, and at proportional rates, the capability of industry to design, manufacture, and calibrate these test instruments has been eroding primarily because of a lack of investment by the aeronautics community. Technical expertise in this technology area is a core competency in aeronautics testing; it is highly specialized and experience-based, and it represents a niche market for only a few small precision instrument shops in the United States. With this backdrop, NASA s Aeronautics Test Program (ATP) chartered a team to examine the issues and risks associated with the problem, focusing specifically on strain- gage balances. The team partnered with the U.S. Air Force s Arnold Engineering Development Center (AEDC) to exploit their combined capabilities and take a national level government view of the problem. This paper describes the team s approach, its findings, and its recommendations, and the current status for revitalizing the government s balance capability with respect to designing, fabricating, calibrating, and using the instruments.

  12. Terminating the Audit of the National Flood Insurance Program’s Fiscal 1980 Financial Statements.

    DTIC Science & Technology

    1981-09-21

    7 AD-A107 188 GENERAL ACCOUNTING OFFICE WASHINGTON DC ACCOUNTING A ETC F/G 5/1 TERMINATING THE AUDIT OF THE NATIONAL FLOOD INSURANCE PROGRAN S-,-ETC...Management Agency Dear Mr. Giuffrida: A Subject: Terminating the Audit of the National Floodr .) Insurance Program’s Fiscal 1980 Financial...objective of the audit was to express an opinion on the NFIP’s < fiscal 1980 financial statements. We will not meet this objec- tive, however, because

  13. A Call to Action for National Foreign Language Capabilities

    ERIC Educational Resources Information Center

    US Department of Defense, 2005

    2005-01-01

    The terrorist attacks of September 11th, the Global War on Terrorism, and the continued threat to the Homeland have defined the critical need to take action to improve the foreign language and cultural capabilities of the Nation. The government must act now to improve the gathering and analysis of information, advance international diplomacy, and…

  14. The National Scientific Balloon Facility. [balloon launching capabilities of ground facility

    NASA Technical Reports Server (NTRS)

    Kubara, R. S.

    1974-01-01

    The establishment and operation of the National Scientific Balloon Facility are discussed. The balloon launching capabilities are described. The ground support systems, communication facilities, and meteorological services are analyzed.

  15. Response capabilities of the National Guard: a focus on domestic disaster medical response.

    PubMed

    Bochicchio, Daniel

    2010-01-01

    The National Guard has a 373-year history of responding to the nation's call to duty for service both at home and abroad (The National Guard Bureau Web site: Available at http://www.ngb.army.mil/default. aspx.). The National Guard (NG) is a constitutionally unique organization (United States Constitution, US Government Printing Office Web site: Available at http://www.gpoaccess.gov/constitution/index.html.). Today's Guard conducts domestic disaster response and civilian assistance missions on a daily basis. Yet, the NG's role, mission, and capabilities are not well-known or understood. The National Response Framework (NRF) places significant responsibility on the local and state disaster planners (Department of Homeland Security: National Response Framework. US Department of Homeland Security, Washington, DC, January 2008). The public health professionals are an integral component of the disaster planning community. It is critical that the public health community be knowledgeable of types and capabilities of all the response assets at their disposal.

  16. Environment-Level Strategies to Support Independent Control of Finances: A Response to the SSA Review of Financial Capability Determination Review.

    PubMed

    Harper, Annie; Rowe, Michael

    2017-01-01

    The Social Security Administration (SSA) recently completed an evaluation of the process by which representative payees are assigned. The SSA report is welcome, particularly for its focus on developing more accurate, real-world assessments of a person's financial capability and its recognition of the need for more flexible options for people with disabilities. Crucially, the report discusses the impact of the broader environment-specifically, conditions related to living in poverty. However, it provides no guidance about environmental interventions that could enable more beneficiaries to manage their funds without a payee. Innovative financial products could be offered to beneficiaries, and the retail industry could develop processes to support responsible financial management by people with mental illness. Changes to SSA benefits systems, including raising benefits levels and asset limits, could enable more beneficiaries to manage their funds independently.

  17. Measuring the Impacts of Financial Literacy: Challenges for Community-Based Financial Education

    ERIC Educational Resources Information Center

    Collins, J. Michael; Holden, Karen C.

    2014-01-01

    This chapter addresses financial education across the lifespan, which has the potential to enhance adult financial capability, yet methodological barriers and a lack of robust measures have hampered the ability to identify and measure the effects of educational programs on financial decisions and behavior.

  18. Lawrence Berkeley National Laboratory 2015 Annual Financial Report

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Williams, Kim, P

    FY2015 financial results reflect a year of significant scientific, operational and financial achievement for Lawrence Berkeley National Laboratory. Complementing many scientific accomplishments, Berkeley Lab completed construction of four new research facilities: the General Purpose Laboratory, Chu Hall, Wang Hall and the Flexlab Building Efficiency Testbed. These state-of-the-art facilities allow for program growth and enhanced collaboration, in part by enabling programs to return to the Lab’s Hill Campus from offsite locations. Detailed planning began for the new Integrative Genomics Building (IGB) that will house another major program currently located offsite. Existing site infrastructure was another key focus area. The Lab prioritizedmore » and increased investments in deferred maintenance in alignment with the Berkeley Lab Infrastructure Plan, which was developed under the leadership of the DOE Office of Science. With the expiration of American Recovery and Reinvestment Act (ARRA) funds, we completed the close-out of all of our 134 ARRA projects, recording total costs of $331M over the FY2009-2015 period. Download the report to read more.« less

  19. Public health financial management needs: report of a national survey.

    PubMed

    Costich, Julia F; Honoré, Peggy A; Scutchfield, F Douglas

    2009-01-01

    The work reported here builds on the identification of public health financial management practice competencies by a national expert panel. The next logical step was to provide a validity check for the competencies and identify priority areas for educational programming. We developed a survey for local public health finance officers based on the public health finance competencies and field tested it with a convenience sample of officials. We asked respondents to indicate the importance of each competency area and the need for training to improve performance; we also requested information regarding respondent education, jurisdiction size, and additional comments. Our local agency survey sample drew on the respondent list from the National Association of County and City Health Officials 2005 local health department survey, stratified by agency size and limited to jurisdiction populations of 25,000 to 1,000,000. Identifying appropriate respondents was a major challenge. The survey was fielded electronically, yielding 112 responses from 30 states. The areas identified as most important and needing most additional training were knowledge of budget activities, financial data interpretation and communication, and ability to assess and correct the organization's financial status. The majority of respondents had some postbaccalaureate education. Many provided additional comments and recommendations. Health department finance officers demonstrated a high level of general agreement regarding the importance of finance competencies in public health and the need for training. The findings point to a critical need for additional training opportunities that are accessible, cost-effective, and targeted to individual needs.

  20. 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…

  1. Developing Nationally Competitive NASA Research Capability in West Virginia

    NASA Technical Reports Server (NTRS)

    Calzonetti, Frank J.

    1997-01-01

    In May, 1995 West Virginia EPSCOR was awarded $150,000 to support activities to develop research capabilities in West Virginia in support of the National Aeronautics and Space Administration (NASA). These funds were used to support three projects: 1) Information Processing and the Earth Observing System, directed by Dr. Stuart Tewksbury of West Virginia University; 2) Development of Optical Materials for Atmospheric Sensing Experiments, directed by Dr. Nancy Giles of West Virginia University; and 3) Development of Doppler Global Velocimeter (DGV) for Aeronautical and Combustion Studies, directed by Dr. John Kuhlman of West Virginia University. The funding provides the means to develop capability in each of these areas. This report summarizes the technical accomplishments in each project supported under this award.

  2. 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…

  3. 77 FR 37741 - Open Meeting of the President's Advisory Council on Financial Capability

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-22

    ... statements to the Department of the Treasury, Office of Financial Education, Financial Access, and Consumer... to assist the American people in understanding financial matters and making informed financial... DEPARTMENT OF THE TREASURY Open Meeting of the President's Advisory Council on Financial...

  4. The National Commission on Student Financial Assistance: A Summary of Its Recommendations.

    ERIC Educational Resources Information Center

    Miller, Scott E.

    A brief overview of the recommendations of the National Commission on Student Financial Assistance is presented. The Commission was asked to answer 24 congressionally determined questions, and to report its findings on each within 2 years. Major findings and recommendations are presented concerning: satisfactory academic progress, the in-school…

  5. New Way to Break Down Barriers to Higher Education: Build "Financial Capabilities"

    ERIC Educational Resources Information Center

    Savage, Sarah; Graves, Erin M.

    2015-01-01

    Community colleges have traditionally responded to the financial needs of their students by removing or minimizing financial barriers to attending. Efforts to make community college tuition free fit with this philosophy, but where efforts to minimize or remove financial barriers to attending community college fall short is in empowering students…

  6. Transient dynamics capability at Sandia National Laboratories

    NASA Technical Reports Server (NTRS)

    Attaway, Steven W.; Biffle, Johnny H.; Sjaardema, G. D.; Heinstein, M. W.; Schoof, L. A.

    1993-01-01

    A brief overview of the transient dynamics capabilities at Sandia National Laboratories, with an emphasis on recent new developments and current research is presented. In addition, the Sandia National Laboratories (SNL) Engineering Analysis Code Access System (SEACAS), which is a collection of structural and thermal codes and utilities used by analysts at SNL, is described. The SEACAS system includes pre- and post-processing codes, analysis codes, database translation codes, support libraries, Unix shell scripts for execution, and an installation system. SEACAS is used at SNL on a daily basis as a production, research, and development system for the engineering analysts and code developers. Over the past year, approximately 190 days of CPU time were used by SEACAS codes on jobs running from a few seconds up to two and one-half days of CPU time. SEACAS is running on several different systems at SNL including Cray Unicos, Hewlett Packard PH-UX, Digital Equipment Ultrix, and Sun SunOS. An overview of SEACAS, including a short description of the codes in the system, are presented. Abstracts and references for the codes are listed at the end of the report.

  7. National Postsecondary Student Aid Study: Student Financial Aid Estimates for 1999-2000. E.D. Tabs.

    ERIC Educational Resources Information Center

    National Center for Education Statistics (ED), Washington, DC.

    The National Postsecondary Student Aid Study (NPSAS) is a comprehensive survey that examines how students and their families pay for postsecondary education. The study included nationally representative samples of students, including those who do and do not receive financial aid. This report has been prepared to provide some key estimates as…

  8. National evaluation of the New Mexico client referral, ridership, and financial tracking (CRRAFT) system

    DOT National Transportation Integrated Search

    2005-07-29

    This final report describes the national evaluation of the New Mexico Client Referral, Ridership, and Financial Tracking (CRRAFT) System. The evaluation methodology assessed twelve hypotheses related to the expected outcomes of CRRAFT. To assess the ...

  9. Does the ``National Free Health Care'' have financial sustainability in China? A case of Shenmu County, Shaanxi Province, China.

    PubMed

    Wang, Lijian

    2015-01-01

    The most populous country in the world, China needs more health care. Shenmu's practices show that National Free Health Care (NFHC) system has played an active role in fulfilling the citizen's needs of health care, and alleviating the difficulties in affording the medical costs and seeing doctors. But NFHC system needs substantial financial supporting. It is worth in-depth discussing and reflecting on whether the NFHC system suits China's national conditions. The paper establishes the population age structure forecasting model and NFHC financial burden model by decomposition methodology and actuarial modelling. And it finds than the financial burden of NFHC system in Shenmu will be increased from 256.64 million Yuan to 656.04 million Yuan in 2013-2020, with the growth rate 12.45%. Meanwhile, the percentage of the financial burden in government's annual revenue is less than 2% in 2013-2020, NFHC system has financial sustainability in Shenmu. According to the successful experience abroad and the calculated results in Shenmu, to extend the NFHC system to the whole of China has financial sustainability and realistic possibility.

  10. Promoting Financial Success in the United States: National Strategy for Financial Literacy, 2011

    ERIC Educational Resources Information Center

    US Financial Literacy and Education Commission, 2011

    2011-01-01

    This paper describes a framework developed by the Financial Literacy and Education Commission (FLEC) to provide the foundation for an overarching financial literacy strategy. This framework establishes concrete goals that the non-profit, government, and private sectors can and should work together to increase financial literacy and improve…

  11. A Performance Evaluation of the National Air Quality Forecast Capability for the Summer of 2007

    EPA Science Inventory

    This paper provides a performance evaluation of the real-time, CONUS-scale National Air Quality Forecast Capability (NAQFC), developed collaboratively by the National Oceanic and Atmospheric Administration (NOAA) and Environmental Protection Agency (EPA), that supported, in part,...

  12. Destructive analysis capabilities for plutonium and uranium characterization at Los Alamos National Laboratory

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Tandon, Lav; Kuhn, Kevin J; Drake, Lawrence R

    Los Alamos National Laboratory's (LANL) Actinide Analytical Chemistry (AAC) group has been in existence since the Manhattan Project. It maintains a complete set of analytical capabilities for performing complete characterization (elemental assay, isotopic, metallic and non metallic trace impurities) of uranium and plutonium samples in different forms. For a majority of the customers there are strong quality assurance (QA) and quality control (QC) objectives including highest accuracy and precision with well defined uncertainties associated with the analytical results. Los Alamos participates in various international and national programs such as the Plutonium Metal Exchange Program, New Brunswick Laboratory's (NBL' s) Safeguardsmore » Measurement Evaluation Program (SME) and several other inter-laboratory round robin exercises to monitor and evaluate the data quality generated by AAC. These programs also provide independent verification of analytical measurement capabilities, and allow any technical problems with analytical measurements to be identified and corrected. This presentation will focus on key analytical capabilities for destructive analysis in AAC and also comparative data between LANL and peer groups for Pu assay and isotopic analysis.« less

  13. Financial Audit: 1997 Consolidates Financial Statements of the United States Government

    DTIC Science & Technology

    1998-03-01

    For the first time in the nation’s history, the federal government has prepared consolidated financial statements that have been subjected to an...independent audit. In accordance with the Chief Financial Officers Act, consolidated financial statements for fiscal year 1997 were prepared by the...affect the reliability of the consolidated financial statements and much of the underlying financial information. They also affect the government’s

  14. 17 CFR 240.17g-3 - Annual financial reports to be furnished by nationally recognized statistical rating organizations.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... furnished by nationally recognized statistical rating organizations. 240.17g-3 Section 240.17g-3 Commodity... Recognized Statistical Rating Organizations § 240.17g-3 Annual financial reports to be furnished by nationally recognized statistical rating organizations. (a) A nationally recognized statistical rating...

  15. 17 CFR 240.17g-3 - Annual financial reports to be furnished by nationally recognized statistical rating organizations.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... furnished by nationally recognized statistical rating organizations. 240.17g-3 Section 240.17g-3 Commodity... Recognized Statistical Rating Organizations § 240.17g-3 Annual financial reports to be furnished by nationally recognized statistical rating organizations. (a) A nationally recognized statistical rating...

  16. 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,…

  17. National health insurance, physician financial incentives, and primary cesarean deliveries in Taiwan.

    PubMed

    Tsai, Yi-Wen; Hu, Teh-Wei

    2002-09-01

    Taiwan's National Health Insurance Program (NHI) was implemented on March 1, 1995. This study analyzed the influences of the Case Payment method of reimbursement for inpatient care and of physician financial incentives on a woman's choice for primary cesarean delivery. Logistic regressions were used to analyze 11 788 first-time deliveries in a nonprofit hospital system between March 1, 1994, and February 29, 1996. After implementation of the NHI's Case Payment scheme, the likelihood that a woman would choose primary cesarean delivery increased by four to five times compared with the choice behavior of uninsured individuals prior to NHI (P <.0001). Out-of-pocket payment discourages the selection of primary cesarean delivery. No robust statistics were found relating physician financial incentives to delivery choice.

  18. A Longitudinal Study of Financial Difficulties and Mental Health in a National Sample of British Undergraduate Students.

    PubMed

    Richardson, Thomas; Elliott, Peter; Roberts, Ron; Jansen, Megan

    2017-04-01

    Previous research has shown a relationship between financial difficulties and poor mental health in students, but most research is cross-sectional. To examine longitudinal relationships over time between financial variables and mental health in students. A national sample of 454 first year British undergraduate students completed measures of mental health and financial variables at up to four time points across a year. Cross-sectional relationships were found between poorer mental health and female gender, having a disability and non-white ethnicity. Greater financial difficulties predicted greater depression and stress cross-sectionally, and also predicted poorer anxiety, global mental health and alcohol dependence over time. Depression worsened over time for those who had considered abandoning studies or not coming to university for financial reasons, and there were effects for how students viewed their student loan. Anxiety and alcohol dependence also predicted worsening financial situation suggesting a bi-directional relationship. Financial difficulties appear to lead to poor mental health in students with the possibility of a vicious cycle occurring.

  19. Haunted by Enron's ghost. National Century Financial Enterprises files for Chapter 11, leaving a string of broken healthcare chains and hospitals.

    PubMed

    Taylor, Mark

    2002-11-25

    Some are calling it the Enron of the healthcare industry. Ryder trucks hauled possible evidence from embattled financier National Century Financial Enterprises during an FBI raid. NCFE filed for Chapter 11 bankruptcy protection last week, sending ripples through the industry and contributing to the bankruptcies of a string of national healthcare chains and at least six hospitals.

  20. Financial Services Industry

    DTIC Science & Technology

    2006-01-01

    www.investopedia.com/features/industryhandbook/banking.asp Mishkin , F. & Eakins, S. (2003). Financial Markets + Institutions (4th ed.). Boston...purposes, participants interact in financial markets for securities, bonds, futures and options, utilizing financial intermediaries such as retail and...nations. U.S. participants, likewise, may also choose to participate in foreign financial institutions in order to gain access to or operate in

  1. 75 FR 17847 - National Financial Literacy Month, 2010

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-08

    ... complex. This has left too many Americans behind, unable to build a secure financial future for themselves and their families. For many, financial literacy can mean economic prosperity and protection against... financial products to conceal risks and escape scrutiny. At the same time, many Americans took out loans...

  2. Capabilities and Contributions of Unwed Fathers

    ERIC Educational Resources Information Center

    Lerman, Robert I.

    2010-01-01

    Young, minority, and poorly educated fathers in fragile families have little capacity to support their children financially and are hard-pressed to maintain stability in raising those children. In this article, Robert Lerman examines the capabilities and contributions of unwed fathers, how their capabilities and contributions fall short of those…

  3. A Multi-University Economic Capability-Building Collaboration

    ERIC Educational Resources Information Center

    Horwitz, Shelley; Briar-Lawson, Katharine

    2017-01-01

    To prepare students to work competently with financially at-risk individuals, families, and communities, social work schools need to bring economic literacy skills into the curriculum. This article describes an ambitious financial capability education initiative in New York City. It reports on a unique collaborative effort to develop, use, and…

  4. Adolescents' financial literacy: the role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth.

    PubMed

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

    2012-08-01

    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 performed to determine the factors related to financial literacy. It was found that those who chose media as their primary financial socialization agent, and those who had a bank account, exhibited higher levels of financial literacy. Among the sample, those who saw money as good or as a reward for efforts tended to report higher levels of financial literacy, while those perceiving money in terms of avoidance or achievement had lower levels of financial literacy. Students with mid-range monthly allowances showed higher levels of financial literacy compared to the highest allowance group. Implications for financial educators, policy makers, and researchers are provided. Copyright © 2012 The Foundation for Professionals in Services for Adolescents. Published by Elsevier Ltd. All rights reserved.

  5. 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.…

  6. 31 CFR 561.404 - Significant transaction or transactions; significant financial services; significant financial...

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... conducting or facilitating the financial transaction described in paragraph (b) of § 561.204 and the National Iranian Oil Company (“NIOC”), the Naftiran Intertrade Company (“NICO”), any entity owned or controlled by... Human Rights Act of 2012 (“TRA”), or of the financial transaction on the objectives of the National...

  7. Ten steps to developing a national agenda to address financial conflicts of interest in industry sponsored clinical research.

    PubMed

    Tereskerz, Patricia M; Moreno, Jonathan

    2005-01-01

    Financial liaisons between clinical researchers, research institutions, and industrial sponsors have gained momentum in recent years. In the process, it has been argued by many that trust in the research infrastructure is being eroded by the financial conflicts of interest that emerge from these arrangements. Yet, the financial resources of industry are needed to continue technology transfer from the bench to the bedside. Policy makers and government regulators are currently struggling to determine how to best manage financial conflicts of interest that emerge from these liaisons. Various organizations and government entities have proposed different strategies. This paper explores the limitations of existing measures and recommends that a unified national agenda is needed. We propose 10 steps to develop an agenda to address financial conflicts of interest in industry-sponsored clinical research.

  8. Development of a Semi-Span Test Capability at the National Transonic Facility

    NASA Technical Reports Server (NTRS)

    Gatlin, G. M.; Parker, P. A.; Owens, L. R., Jr.

    2001-01-01

    A need for low-speed, high Reynolds number test capabilities has been identified for the design and development of advanced subsonic transport high-lift systems. In support of this need, multiple investigations have been conducted in the National Transonic Facility (NTF) at the NASA Langley Research Center to develop a semi-span testing capability that will provide the low-speed, flight Reynolds number data currently unattainable using conventional sting-mounted, full-span models. Although a semi-span testing capability will effectively double the Reynolds number capability over full-span models, it does come at the expense of contending with the issue of the interaction of the flow over the model with the windtunnel wall boundary layer. To address this issue the size and shape of the semi-span model mounting geometry have been investigated, and the results are presented herein. The cryogenic operating environment of the NTF produced another semi-span test technique issue in that varying thermal gradients have developed on the large semi-span balance. The suspected cause of these thermal gradients and methods to eliminate them are presented. Data are also presented that demonstrate the successful elimination of these varying thermal gradients during cryogenic operations.

  9. Impact of the global financial crisis on employed Australian baby boomers: a national survey.

    PubMed

    O'Loughlin, Kate; Humpel, Nancy; Kendig, Hal

    2010-06-01

    This paper examines the impact of the global financial crisis (GFC) on employed Australian baby boomers. A nationally representative sample of 1009 boomers aged 50-64 years completed a survey by telephone interview mid 2009. Compared with 1 year ago, 38.9% of working boomers reported being financially worse off and this was more so for women (42.4%) than men (35.6%). Following the GFC, 41.4% of women and 31.9% of men had decided to postpone their retirement plans. The GFC is affecting the retirement preparations and plans of Australia's baby boomers. Policy implications include reduced resources for retirement needs, and uneven and differential impacts for those with interrupted employment histories, notably women.

  10. Curbing the Financial Exploitation of the Poor: Financial Literacy and Social Work Education

    ERIC Educational Resources Information Center

    Karger, Howard

    2015-01-01

    The article investigates the importance of financial literacy content for social work students who at some point in their career will encounter financially-excluded clients. Financial literacy content can include understanding how fringe economy businesses operate, including their business model, knowledge of local and national nonpredatory…

  11. Using a Financial Health Model to Provide Context for Financial Literacy Education Research: A Commentary

    ERIC Educational Resources Information Center

    Huston, Sandra J.

    2015-01-01

    In the article, "Enhancing links between research and practice to improve consumer financial education and well-being" Billy J. Hensley, Director of Education at National Endowment for Financial Education® (NEFE®), outlines his perspective on the current relation between financial education and financial outcome (downstream financial…

  12. Capabilities Roadmap Briefings to the National Research Council

    NASA Technical Reports Server (NTRS)

    2005-01-01

    High energy power and propulsion capability roadmap - general background and introduction. Advanced telescopes and observatories and scientific instruments and sensors capability roadmaps - general background and introduction. Space communications capability roadmap interim review. Robotic access to planetary surface capability roadmap. Human health and support systems capability roadmap progress review.

  13. Improving National Capability in Biogeochemical Flux Modelling: the UK Environmental Virtual Observatory (EVOp)

    NASA Astrophysics Data System (ADS)

    Johnes, P.; Greene, S.; Freer, J. E.; Bloomfield, J.; Macleod, K.; Reaney, S. M.; Odoni, N. A.

    2012-12-01

    The best outcomes from watershed management arise where policy and mitigation efforts are underpinned by strong science evidence, but there are major resourcing problems associated with the scale of monitoring needed to effectively characterise the sources rates and impacts of nutrient enrichment nationally. The challenge is to increase national capability in predictive modelling of nutrient flux to waters, securing an effective mechanism for transferring knowledge and management tools from data-rich to data-poor regions. The inadequacy of existing tools and approaches to address these challenges provided the motivation for the Environmental Virtual Observatory programme (EVOp), an innovation from the UK Natural Environment Research Council (NERC). EVOp is exploring the use of a cloud-based infrastructure in catchment science, developing an exemplar to explore N and P fluxes to inland and coastal waters in the UK from grid to catchment and national scale. EVOp is bringing together for the first time national data sets, models and uncertainty analysis into cloud computing environments to explore and benchmark current predictive capability for national scale biogeochemical modelling. The objective is to develop national biogeochemical modelling capability, capitalising on extensive national investment in the development of science understanding and modelling tools to support integrated catchment management, and supporting knowledge transfer from data rich to data poor regions, The AERC export coefficient model (Johnes et al., 2007) has been adapted to function within the EVOp cloud environment, and on a geoclimatic basis, using a range of high resolution, geo-referenced digital datasets as an initial demonstration of the enhanced national capacity for N and P flux modelling using cloud computing infrastructure. Geoclimatic regions are landscape units displaying homogenous or quasi-homogenous functional behaviour in terms of process controls on N and P cycling

  14. Public health financial management competencies.

    PubMed

    Honoré, Peggy A; Costich, Julia F

    2009-01-01

    The absence of appropriate financial management competencies has impeded progress in advancing the field of public health finance. It also inhibits the ability to professionalize this sector of the workforce. Financial managers should play a critical role by providing information relevant to decision making. The lack of fundamental financial management knowledge and skills is a barrier to fulfilling this role. A national expert committee was convened to examine this issue. The committee reviewed standards related to financial and business management practices within public health and closely related areas. Alignments were made with national standards such as those established for government chief financial officers. On the basis of this analysis, a comprehensive set of public health financial management competencies was identified and examined further by a review panel. At a minimum, the competencies can be used to define job descriptions, assess job performance, identify critical gaps in financial analysis, create career paths, and design educational programs.

  15. 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…

  16. 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…

  17. National Postsecondary Student Aid Study: Preliminary Estimates on Student Financial Aid Recipients, 1989-90. Contractor Report. E.D. TABS.

    ERIC Educational Resources Information Center

    Shepherd, Jane, Comp.; And Others

    The National Postsecondary Student Aid Study (NPSAS) examines how students who have received financial aid, and their families, pay for postsecondary education. It includes nationally representative samples of undergraduates, graduates, and first-professional students, encompassing students attending less-than-2-year institutions, 2-year schools,…

  18. The Community WRF-Hydro Modeling System Version 4 Updates: Merging Toward Capabilities of the National Water Model

    NASA Astrophysics Data System (ADS)

    McAllister, M.; Gochis, D.; Dugger, A. L.; Karsten, L. R.; McCreight, J. L.; Pan, L.; Rafieeinasab, A.; Read, L. K.; Sampson, K. M.; Yu, W.

    2017-12-01

    The community WRF-Hydro modeling system is publicly available and provides researchers and operational forecasters a flexible and extensible capability for performing multi-scale, multi-physics options for hydrologic modeling that can be run independent or fully-interactive with the WRF atmospheric model. The core WRF-Hydro physics model contains very high-resolution descriptions of terrestrial hydrologic process representations such as land-atmosphere exchanges of energy and moisture, snowpack evolution, infiltration, terrain routing, channel routing, basic reservoir representation and hydrologic data assimilation. Complementing the core physics components of WRF-Hydro are an ecosystem of pre- and post-processing tools that facilitate the preparation of terrain and meteorological input data, an open-source hydrologic model evaluation toolset (Rwrfhydro), hydrologic data assimilation capabilities with DART and advanced model visualization capabilities. The National Center for Atmospheric Research (NCAR), through collaborative support from the National Science Foundation and other funding partners, provides community support for the entire WRF-Hydro system through a variety of mechanisms. This presentation summarizes the enhanced user support capabilities that are being developed for the community WRF-Hydro modeling system. These products and services include a new website, open-source code repositories, documentation and user guides, test cases, online training materials, live, hands-on training sessions, an email list serve, and individual user support via email through a new help desk ticketing system. The WRF-Hydro modeling system and supporting tools which now include re-gridding scripts and model calibration have recently been updated to Version 4 and are merging toward capabilities of the National Water Model.

  19. Health center financial performance: national trends and state variation, 1998-2004.

    PubMed

    Shi, Leiyu; Collins, Patricia B; Aaron, Kaytura Felix; Watters, Vanessa; Shah, Leslie Greenblat

    2007-01-01

    For four decades, health centers have provided quality, cost-effective primary healthcare to underserved populations. Using the Uniform Data System, this study analyzes national trends in health center patients, providers, and financial performance for 1998-2004, and state-specific data for 2004. Between 1998 and 2004, health centers served increasing numbers of underserved patients, which included patients who were uninsured or on Medicaid, minorities, and patients at or below poverty level. Even though the number of health center providers and patients increased, patient-to-provider ratios did not change significantly. Medicaid remained the single largest source of health center revenue, accounting for 36.4 percent of total revenue in 2004. Compared with Medicare, private insurance, and self-pay, Medicaid consistently reimbursed health centers at the highest rate per patient. Federal and nonfederal grants to support care for the uninsured as well as enabling services such as transportation, translation, and other support systems is one of many important sources of revenue. Financial challenges for health centers included increasing costs and varied or declining rates of reimbursement for services rendered. However, health centers became more self-sufficient over time, average net revenues increased, and operating margins were predominantly positive. Data on individual states, with different numbers and types of health centers, varied widely in all of these categories. In conclusion, health centers rely on federal and nonfederal grant support in concert with the Medicaid program as major funding sources and continued financial stability will be contingent upon health centers' ability to balance revenues with the cost of managing the vulnerable populations that they serve.

  20. 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.

  1. 32 CFR 33.41 - Financial reporting.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 32 National Defense 1 2013-07-01 2013-07-01 false Financial reporting. 33.41 Section 33.41 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE DoD GRANT AND AGREEMENT... GOVERNMENTS Post-Award Requirements Reports, Records, Retention, and Enforcement § 33.41 Financial reporting...

  2. 32 CFR 33.41 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 1 2011-07-01 2011-07-01 false Financial reporting. 33.41 Section 33.41 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE DoD GRANT AND AGREEMENT... GOVERNMENTS Post-Award Requirements Reports, Records, Retention, and Enforcement § 33.41 Financial reporting...

  3. 32 CFR 33.41 - Financial reporting.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 32 National Defense 1 2012-07-01 2012-07-01 false Financial reporting. 33.41 Section 33.41 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE DoD GRANT AND AGREEMENT... GOVERNMENTS Post-Award Requirements Reports, Records, Retention, and Enforcement § 33.41 Financial reporting...

  4. 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 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE DoD GRANT AND AGREEMENT... GOVERNMENTS Post-Award Requirements Reports, Records, Retention, and Enforcement § 33.41 Financial reporting...

  5. Financial sustainability planning for immunization services in Cambodia.

    PubMed

    Soeung, Sann Chan; Grundy, John; Maynard, Jim; Brooks, Alan; Boreland, Marian; Sarak, Duong; Jenkinson, Karl; Biggs, Beverley-Ann

    2006-07-01

    The expanded programme of immunization was established in Cambodia in 1986. In 2002, 67% of eligible children were immunized, despite significant health sector and macro-economic financial constraints. A financial sustainability planning process for immunization was introduced in 2002, in order to mobilize national and international resources in support of the achievement of child health objectives. The aim of this paper is to outline this process, describe its early impact as an advocacy tool and recommend additional strategies for mobilizing additional resources for health. The methods of financial sustainability planning are described, including the advocacy strategies that were applied. Analysis of financial sustainability planning results indicates rising programme costs associated with new vaccine introduction and new technologies. Despite this, the national programme has demonstrated important early successes in using financial sustainability planning to advocate for increased mobilization of national and international sources of funding for immunization. The national immunization programme nevertheless faces formidable system and financial challenges in the coming years associated with rising costs, potentially diminishing sources of international assistance, and the developing role of sub-national authorities in programme management and financing.

  6. 32 CFR 32.52 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 1 2011-07-01 2011-07-01 false Financial reporting. 32.52 Section 32.52 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE DoD GRANT AND AGREEMENT..., HOSPITALS, AND OTHER NON-PROFIT ORGANIZATIONS Post-Award Requirements Reports and Records § 32.52 Financial...

  7. 32 CFR 32.52 - Financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 32 National Defense 1 2014-07-01 2014-07-01 false Financial reporting. 32.52 Section 32.52 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE DoD GRANT AND AGREEMENT..., HOSPITALS, AND OTHER NON-PROFIT ORGANIZATIONS Post-Award Requirements Reports and Records § 32.52 Financial...

  8. 32 CFR 32.52 - Financial reporting.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 32 National Defense 1 2012-07-01 2012-07-01 false Financial reporting. 32.52 Section 32.52 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE DoD GRANT AND AGREEMENT..., HOSPITALS, AND OTHER NON-PROFIT ORGANIZATIONS Post-Award Requirements Reports and Records § 32.52 Financial...

  9. 32 CFR 32.52 - Financial reporting.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 32 National Defense 1 2013-07-01 2013-07-01 false Financial reporting. 32.52 Section 32.52 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE DoD GRANT AND AGREEMENT..., HOSPITALS, AND OTHER NON-PROFIT ORGANIZATIONS Post-Award Requirements Reports and Records § 32.52 Financial...

  10. Legal, ethical, and financial dilemmas in electronic health record adoption and use.

    PubMed

    Sittig, Dean F; Singh, Hardeep

    2011-04-01

    Electronic health records (EHRs) facilitate several innovations capable of reforming health care. Despite their promise, many currently unanswered legal, ethical, and financial questions threaten the widespread adoption and use of EHRs. Key legal dilemmas that must be addressed in the near-term pertain to the extent of clinicians' responsibilities for reviewing the entire computer-accessible clinical synopsis from multiple clinicians and institutions, the liabilities posed by overriding clinical decision support warnings and alerts, and mechanisms for clinicians to publically report potential EHR safety issues. Ethical dilemmas that need additional discussion relate to opt-out provisions that exclude patients from electronic record storage, sale of deidentified patient data by EHR vendors, adolescent control of access to their data, and use of electronic data repositories to redesign the nation's health care delivery and payment mechanisms on the basis of statistical analyses. Finally, one overwhelming financial question is who should pay for EHR implementation because most users and current owners of these systems will not receive the majority of benefits. The authors recommend that key stakeholders begin discussing these issues in a national forum. These actions can help identify and prioritize solutions to the key legal, ethical, and financial dilemmas discussed, so that widespread, safe, effective, interoperable EHRs can help transform health care.

  11. Towards a National Space Weather Predictive Capability

    NASA Astrophysics Data System (ADS)

    Fox, N. J.; Lindstrom, K. L.; Ryschkewitsch, M. G.; Anderson, B. J.; Gjerloev, J. W.; Merkin, V. G.; Kelly, M. A.; Miller, E. S.; Sitnov, M. I.; Ukhorskiy, A. Y.; Erlandson, R. E.; Barnes, R. J.; Paxton, L. J.; Sotirelis, T.; Stephens, G.; Comberiate, J.

    2014-12-01

    National needs in the area of space weather informational and predictive tools are growing rapidly. Adverse conditions in the space environment can cause disruption of satellite operations, communications, navigation, and electric power distribution grids, leading to a variety of socio-economic losses and impacts on our security. Future space exploration and most modern human endeavors will require major advances in physical understanding and improved transition of space research to operations. At present, only a small fraction of the latest research and development results from NASA, NOAA, NSF and DoD investments are being used to improve space weather forecasting and to develop operational tools. The power of modern research and space weather model development needs to be better utilized to enable comprehensive, timely, and accurate operational space weather tools. The mere production of space weather information is not sufficient to address the needs of those who are affected by space weather. A coordinated effort is required to support research-to-applications transition efforts and to develop the tools required those who rely on this information. In this presentation we will review datasets, tools and models that have resulted from research by scientists at JHU/APL, and examine how they could be applied to support space weather applications in coordination with other community assets and capabilities.

  12. Contextual Influences on Financial Behavior: A Proposed Model for Adult Financial Literacy Education

    ERIC Educational Resources Information Center

    Way, Wendy L.

    2014-01-01

    This chapter presents an ecological model that highlights the importance of considering multiple contextual influences on behavior as well as other factors that may impact learning when designing research and practice aimed at enhancing financial capability.

  13. The financial burden of emergency general surgery: National estimates 2010 to 2060.

    PubMed

    Ogola, Gerald O; Gale, Stephen C; Haider, Adil; Shafi, Shahid

    2015-09-01

    Adoption of the acute care surgery model has led to increasing volumes of emergency general surgery (EGS) patients at trauma centers. However, the financial burden of EGS services on trauma centers is unknown. This study estimates the current and future costs associated with EGS hospitalization nationwide. We applied the American Association for the Surgery of Trauma's DRG International Classification of Diseases-9th Rev. criteria for defining EGS to the 2010 National Inpatient Sample (NIS) data and identified adult EGS patients. Cost of hospitalization was obtained by converting reported charges to cost using the 2010 all-payer inpatient cost-to-charge ratio for all hospitals in the NIS database. Cost was modeled via a log-gamma model in a generalized linear mixed model to account for potential correlation in cost within states and hospitals in the NIS database. Patients' characteristics and hospital factors were included in the model as fixed effects, while state and hospital were included as random effects. The national incidence of EGS was calculated from NIS data, and the US Census Bureau population projections were used to estimate incidence for 2010 to 2060. Nationwide costs were obtained by multiplying projected incidences by estimated costs and reported in year 2010 US dollar value. Nationwide, there were 2,640,725 adult EGS hospitalizations in 2010. The national average adjusted cost per EGS hospitalization was $10,744 (95% confidence interval [CI], $10,615-$10,874); applying these cost data to the national EGS hospitalizations gave a total estimated cost of $28.37 billion (95% CI, $28.03-$28.72 billion). Older age groups accounted for greater proportions of the cost ($8.03 billion for age ≥ 75 years, compared with $1.08 billion for age 18-24 years). As the US population continues to both grow and age, EGS costs are projected to increase by 45% to $41.20 billion (95% CI, $40.70-$41.7 billion) by 2060. EGS constitutes a significant portion of US health

  14. Building Capability, Empowering Students, and Achieving Success: The Financial Empowerment for Student Success Initiative

    ERIC Educational Resources Information Center

    Broun, Dan

    2014-01-01

    The Financial Empowerment for Student Success (FESS) Initiative was a two-year initiative focused on increasing student success through the provision of financial services. Achieving the Dream, Inc. and MDC, Inc. joined together, with funding from the Bank of America Charitable Foundation, to support three Achieving the Dream Leader Colleges to…

  15. Succession Planning and Financial Performance: Does Competition Matter?

    PubMed

    Patidar, Nitish; Gupta, Shivani; Azbik, Ginger; Weech-Maldonado, Robert

    2016-01-01

    Succession planning has been defined as the process by which one or more successors are identified for key positions, development activities are planned for identified successors, or both. Limited research exists pertaining to the relationship between hospital succession planning and financial performance, particularly in the context of market competition. We used the resource-based view framework to analyze the differential effect of succession planning on hospitals' financial performance based on market competition. According to RBV, organizations can achieve higher performance by using their superior resources and capabilities. We used a panel design consisting of a national sample of hospitals in the United States for 2006-2010. We analyzed data using multivariate linear regression with facility random effects and year and state fixed effects. The sample included 22,717 hospital-year observations; more than one half of the hospitals (55.4%) had a succession planning program. The study found a positive relationship between the presence of succession planning and financial performance (β = 1.41, p < .01), which was stronger in competitive markets (β = 2.31, p = .03) than in monopolistic markets (β = 1.06, p = .01). Hospitals can use these results to make informed decisions about investing in succession planning programs on the basis of competition in their market.

  16. 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

  17. Global health and national borders: the ethics of foreign aid in a time of financial crisis

    PubMed Central

    2012-01-01

    Background The governments and citizens of the developed nations are increasingly called upon to contribute financially to health initiatives outside their borders. Although international development assistance for health has grown rapidly over the last two decades, austerity measures related to the 2008 and 2011 global financial crises may impact negatively on aid expenditures. The competition between national priorities and foreign aid commitments raises important ethical questions for donor nations. This paper aims to foster individual reflection and public debate on donor responsibilities for global health. Methods We undertook a critical review of contemporary accounts of justice. We selected theories that: (i) articulate important and widely held moral intuitions; (ii) have had extensive impact on debates about global justice; (iii) represent diverse approaches to moral reasoning; and (iv) present distinct stances on the normative importance of national borders. Due to space limitations we limit the discussion to four frameworks. Results Consequentialist, relational, human rights, and social contract approaches were considered. Responsibilities to provide international assistance were seen as significant by all four theories and place limits on the scope of acceptable national autonomy. Among the range of potential aid foci, interventions for health enjoyed consistent prominence. The four theories concur that there are important ethical responsibilities to support initiatives to improve the health of the worst off worldwide, but offer different rationales for intervention and suggest different implicit limits on responsibilities. Conclusions Despite significant theoretical disagreements, four influential accounts of justice offer important reasons to support many current initiatives to promote global health. Ethical argumentation can complement pragmatic reasons to support global health interventions and provide an important foundation to strengthen

  18. Global health and national borders: the ethics of foreign aid in a time of financial crisis.

    PubMed

    Johri, Mira; Chung, Ryoa; Dawson, Angus; Schrecker, Ted

    2012-06-28

    The governments and citizens of the developed nations are increasingly called upon to contribute financially to health initiatives outside their borders. Although international development assistance for health has grown rapidly over the last two decades, austerity measures related to the 2008 and 2011 global financial crises may impact negatively on aid expenditures. The competition between national priorities and foreign aid commitments raises important ethical questions for donor nations. This paper aims to foster individual reflection and public debate on donor responsibilities for global health. We undertook a critical review of contemporary accounts of justice. We selected theories that: (i) articulate important and widely held moral intuitions; (ii) have had extensive impact on debates about global justice; (iii) represent diverse approaches to moral reasoning; and (iv) present distinct stances on the normative importance of national borders. Due to space limitations we limit the discussion to four frameworks. Consequentialist, relational, human rights, and social contract approaches were considered. Responsibilities to provide international assistance were seen as significant by all four theories and place limits on the scope of acceptable national autonomy. Among the range of potential aid foci, interventions for health enjoyed consistent prominence. The four theories concur that there are important ethical responsibilities to support initiatives to improve the health of the worst off worldwide, but offer different rationales for intervention and suggest different implicit limits on responsibilities. Despite significant theoretical disagreements, four influential accounts of justice offer important reasons to support many current initiatives to promote global health. Ethical argumentation can complement pragmatic reasons to support global health interventions and provide an important foundation to strengthen collective action.

  19. 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

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

    2013-06-01

    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 skill 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. Copyright © 2013 Elsevier B.V. All rights reserved.

  20. Impact of Health Insurance on Health Care Treatment and Cost in Vietnam: A Health Capability Approach to Financial Protection

    PubMed Central

    Nguyen, Kim Thuy; Khuat, Oanh Thi Hai; Pham, Duc Cuong; Khuat, Giang Thi Hong

    2012-01-01

    We applied an alternative conceptual framework for analyzing health insurance and financial protection grounded in the health capability paradigm. Through an original survey of 706 households in Dai Dong, Vietnam, we examined the impact of Vietnamese health insurance schemes on inpatient and outpatient health care access, costs, and health outcomes using bivariate and multivariable regression analyses. Insured respondents had lower outpatient and inpatient treatment costs and longer hospital stays but fewer days of missed work or school than the uninsured. Insurance reform reduced household vulnerability to high health care costs through direct reduction of medical costs and indirect reduction of income lost to illness. However, from a normative perspective, out-of-pocket costs are still too high, and accessibility issues persist; a comprehensive insurance package and additional health system reforms are needed. PMID:22698046

  1. 32 CFR 33.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 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 Federal...

  2. Give consideration to financial abuse among the older population.

    PubMed

    Swan, Amy

    2007-10-01

    This article, brought to you in association with Help the Aged, considers financial exclusion, low levels of financial capability, and cognitive impairment among older people, which can lead to them becoming reliant on significant others to manage their finances.

  3. Psychosocial factors and financial literacy.

    PubMed

    Murphy, John L

    2013-01-01

    This study uses data from the Health and Retirement Study (HRS) to analyze the psychological and social variables associated with financial literacy. The HRS is a nationally representative longitudinal survey of individuals older than age 50 and their spouses. An ordinary least squares linear regression analysis explores the relationship between financial literacy and several economic and psychosocial variables. After controlling for earnings, level of education, and other socioeconomic variables in this exploratory study, I find that financial satisfaction and religiosity are correlated with financial literacy.

  4. How Teacher Educators Can Address Our Nation's Financial Crisis

    ERIC Educational Resources Information Center

    Dowdell, John; McElfresh, Dwight; Sikula, John

    2009-01-01

    This article from Ashland University reports on what one university, well known for its Teacher Education programs, is doing in an economically depressed state to address our country's financial crisis. Ohio has mandated that financial literacy be taught in high schools by 2010. Reported herein is what is being done to prepare teachers for this…

  5. Does the National Health Insurance Scheme provide financial protection to households in Ghana?

    PubMed

    Kusi, Anthony; Hansen, Kristian Schultz; Asante, Felix A; Enemark, Ulrika

    2015-08-15

    Excessive healthcare payments can impede access to health services and also disrupt the welfare of households with no financial protection. Health insurance is expected to offer financial protection against health shocks. Ghana began the implementation of its National Health Insurance Scheme (NHIS) in 2004. The NHIS is aimed at removing the financial barrier to healthcare by limiting direct out-of-pocket health expenditures (OOPHE). The study examines the effect of the NHIS on OOPHE and how it protects households against catastrophic health expenditures. Data was obtained from a cross-sectional representative household survey involving 2,430 households from three districts across Ghana. All OOPHE associated with treatment seeking for reported illness in the household in the last 4 weeks preceding the survey were analysed and compared between insured and uninsured persons. The incidence and intensity of catastrophic health expenditures (CHE) among households were measured by the catastrophic health payment method. The relative effect of NHIS on the incidence of CHE in the household was estimated by multiple logistic regression analysis. About 36% of households reported at least one illness during the 4 weeks period. Insured patients had significantly lower direct OOPHE for out-patient and in-patient care compared to the uninsured. On financial protection, the incidence of CHE was lower among insured households (2.9%) compared to the partially insured (3.7%) and the uninsured (4.0%) at the 40% threshold. The incidence of CHE was however significantly lower among fully insured households (6.0%) which sought healthcare from NHIS accredited health facilities compared to the partially insured (10.1%) and the uninsured households (23.2%). The likelihood of a household incurring CHE was 4.2 times less likely for fully insured and 2.9 times less likely for partially insured households relative to being uninsured. The NHIS has however not completely eliminated OOPHE for the

  6. Cross-cultural communication capabilities of U.S. military trainers: host nation perspective.

    PubMed

    Mahmood, Maysaa; Alameri, Ali; Jawad, Shakir; Alani, Yasir; Zuerlein, Scott; Nakano, Gregg; Anderson, Warner; Beadling, Charles

    2013-06-01

    A survey was conducted to assess trainee perception of the cross-cultural communication competency of U.S. military trainers and their satisfaction with the training they received. Findings from the survey show that U.S. military trainers rely significantly on local interpreters. This indicates variability in the ability of the trainers to communicate effectively with host nation partners, the variability being dependent on the capabilities of the individual interpreter. The findings illustrate the importance of providing military health personnel with training on how to work effectively with interpreters. The use of supplementary resources such as electronic translation devises when the interpreter is not capable of conveying health-related training information with the desired level of accuracy is recommended. Expanding the availability of general cultural training, which provides baseline information on local values, traditions, and customs in addition to health-specific cultural orientation, is also recommended to help military health trainers customize their training content and methods to fit the local environment. Reprint & Copyright © 2013 Association of Military Surgeons of the U.S.

  7. 2015-16 National Postsecondary Student Aid Study (NPSAS:16): Student Financial Aid Estimates for 2015-16. First Look. NCES 2018-466

    ERIC Educational Resources Information Center

    Radwin, David; Conzelmann, Johnathan G.; Nunnery, Annaliza; Lacy, T. Austin; Wu, Joanna; Lew, Stephen; Wine, Jennifer; Siegel, Peter

    2018-01-01

    This First Look report presents selected findings about student financial aid during the 2015-16 academic year. These findings are based on data from the 2015-16 National Postsecondary Student Aid Study (NPSAS:16), a nationally representative sample survey of undergraduate and graduate students enrolled any time between July 1, 2015, and June 30,…

  8. 2011-12 National Postsecondary Student Aid Study (NPSAS:12): Student Financial Aid Estimates for 2011-12. First Look. NCES 2013-165

    ERIC Educational Resources Information Center

    Radwin, David; Wine, Jennifer; Siegel, Peter; Bryan, Michael

    2013-01-01

    This brief report presents selected findings about student financial aid during the 2011-12 academic year. These findings are based on data from the 2011-12 National Postsecondary Student Aid Study (NPSAS:12), a nationally representative sample survey of undergraduate and graduate students enrolled any time between July 1, 2011, and June 30, 2012,…

  9. Towards a National Space Weather Predictive Capability

    NASA Astrophysics Data System (ADS)

    Fox, N. J.; Ryschkewitsch, M. G.; Merkin, V. G.; Stephens, G. K.; Gjerloev, J. W.; Barnes, R. J.; Anderson, B. J.; Paxton, L. J.; Ukhorskiy, A. Y.; Kelly, M. A.; Berger, T. E.; Bonadonna, L. C. M. F.; Hesse, M.; Sharma, S.

    2015-12-01

    National needs in the area of space weather informational and predictive tools are growing rapidly. Adverse conditions in the space environment can cause disruption of satellite operations, communications, navigation, and electric power distribution grids, leading to a variety of socio-economic losses and impacts on our security. Future space exploration and most modern human endeavors will require major advances in physical understanding and improved transition of space research to operations. At present, only a small fraction of the latest research and development results from NASA, NOAA, NSF and DoD investments are being used to improve space weather forecasting and to develop operational tools. The power of modern research and space weather model development needs to be better utilized to enable comprehensive, timely, and accurate operational space weather tools. The mere production of space weather information is not sufficient to address the needs of those who are affected by space weather. A coordinated effort is required to support research-to-applications transition efforts and to develop the tools required those who rely on this information. In this presentation we will review the space weather system developed for the Van Allen Probes mission, together with other datasets, tools and models that have resulted from research by scientists at JHU/APL. We will look at how these, and results from future missions such as Solar Probe Plus, could be applied to support space weather applications in coordination with other community assets and capabilities.

  10. 32 CFR 147.8 - Guideline F-Financial considerations.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 32 National Defense 1 2013-07-01 2013-07-01 false Guideline F-Financial considerations. 147.8 Section 147.8 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE PERSONNEL... raise a security concern and may be disqualifying include: (1) A history of not meeting financial...

  11. 32 CFR 147.8 - Guideline F-Financial considerations.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false Guideline F-Financial considerations. 147.8 Section 147.8 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE PERSONNEL... raise a security concern and may be disqualifying include: (1) A history of not meeting financial...

  12. 32 CFR 147.8 - Guideline F-Financial considerations.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 32 National Defense 1 2014-07-01 2014-07-01 false Guideline F-Financial considerations. 147.8 Section 147.8 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE PERSONNEL... raise a security concern and may be disqualifying include: (1) A history of not meeting financial...

  13. 32 CFR 147.8 - Guideline F-Financial considerations.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 1 2011-07-01 2011-07-01 false Guideline F-Financial considerations. 147.8 Section 147.8 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE PERSONNEL... raise a security concern and may be disqualifying include: (1) A history of not meeting financial...

  14. 32 CFR 147.8 - Guideline F-Financial considerations.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 32 National Defense 1 2012-07-01 2012-07-01 false Guideline F-Financial considerations. 147.8 Section 147.8 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE PERSONNEL... raise a security concern and may be disqualifying include: (1) A history of not meeting financial...

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

    PubMed

    Van Gunten, Tod; Navot, Edo

    2018-02-01

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

  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. 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…

  18. National Financial Literacy Act of 2013

    THOMAS, 113th Congress

    Rep. Johnson, Eddie Bernice [D-TX-30

    2013-04-12

    House - 04/12/2013 Referred to the Committee on Ways and Means, and in addition to the Committee on Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee... (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  19. Establishing Viable and Effective Information-Warfare Capability in Developing Nations Based on the U.S. Model

    DTIC Science & Technology

    2012-12-01

    include law enforcement and intelligence capabilities in the lineup . However, national security strategy reflects the first four only. Figure 1...Term Joint Doctrine Identification Air Force Doctrine Identification Army Doctrine Identification Navy Doctrine Identification EW...59 Ibid., 39. 34 Term Joint Doctrine Identification Air Force Doctrine Identification Army Doctrine Identification Navy

  20. [Capability of national reference laboratories in Latin America to detect emerging resistance mechanisms].

    PubMed

    Corso, Alejandra; Guerriero, Leonor; Pasterán, Fernando; Ceriana, Paola; Callejo, Raquel; Prieto, Mónica; Tuduri, Ezequiel; Lopardo, Horacio; Vay, Carlos; Smayevsky, Jorgelina; Tokumoto, Marta; Alvarez, Jorge Matheu; Pardo, Pilar Ramón; Galas, Marcelo

    2011-12-01

    To evaluate the capability of 17 national reference laboratories participating in the Latin American Quality Control Program in Bacteriology and Antibiotic Resistance (LA-EQAS) to detect emerging resistance mechanisms- namely: resistance of enterobacteria to carbapenems due to the presence of Klebsiella pneumoniae carbapenemase (KPC) and metallo-beta-lactamase (MBL) type IMP, and intermediate resistance of Staphylococcus aureus isolates to vancomycin (vancomycin-intermediate resistant S. aureus-VISA). The following three isolates were sent to the 17 participating LA-EQAS laboratories: KPC -producing Klebsiella pneumoniae PAHO-161, IMP-producing Enterobacter cloacae PAHO-166, and S. aureus PAHO-165 with intermediate resistance to vancomycin. Performance of each of the following operations was evaluated: interpretation of sensitivity tests, detection of the resistance mechanism, and assessment of either inhibition halo size (disk diffusion method) or minimum inhibitory concentration (MIC). Concordance in the detection of resistance mechanisms was 76.4%, 73.3%, and 66.7% for the K. pneumoniae PAHO-161, E. cloacae PAHO-166, and S. aureus PAHO-165 strains, respectively. Concordance between the inhibition areas observed by the participating laboratories and the ranges established by the coordinating laboratory was acceptable for all three isolates, at 90.8%, 92.8%, and 88.9%, respectively. Overall concordance in on the detection of KPC, MBL, and VISA resistance mechanisms was 72.1%. We consider the national reference laboratories in Latin America capable of recognizing these emerging resistance mechanisms and expect that maximum levels of concordance will be reached in the future.

  1. National Research Council Dialogue to Assess Progress on NASA's Transformational Spaceport and Range Technologies Capability Roadmap Development: General Background and Introduction

    NASA Technical Reports Server (NTRS)

    Skelly, Darin M.

    2005-01-01

    Viewgraphs on the National Research Council's diaglog to assess progress on NASA's transformational spaceport and range technologies capability roadmap development is presented. The topics include: 1) Agency Goals and Objectives; 2) Strategic Planning Transformation; 3) Advanced Planning Organizational Roles; 4) Public Involvement in Strategic Planning; 5) Strategic Roadmaps; 6) Strategic Roadmaps Schedule; 7) Capability Roadmaps; 8) Capability Charter; 9) Process for Team Selection; 10) Capability Roadmap Development Schedule Overview; 11) Purpose of NRC Review; 12) Technology Readiness Levels; 13) Capability Readiness Levels; 14) Crosswalk Matrix Trans Spaceport & Range; 15) Example linkage to other roadmaps; 16) Capability Readiness Levels Defined; and 17) Crosswalk Matrix Ratings Work In-progress.

  2. 32 CFR 34.11 - Standards for financial management systems.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  3. 77 FR 13153 - Information Collection; NASA Contractor Financial Management Reports

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-03-05

    ..., [email protected] . SUPPLEMENTARY INFORMATION: I. Abstract The NASA Contractor Financial Management... NATIONAL AERONAUTICS AND SPACE ADMINISTRATION [Notice 12-019] Information Collection; NASA Contractor Financial Management Reports AGENCY: National Aeronautics and Space Administration (NASA). ACTION...

  4. Assessing the Financial Knowledge, Behaviours, and Attitudes of Undergraduates

    ERIC Educational Resources Information Center

    Peach, Nathan D.; Yuan, Haowen

    2017-01-01

    In this study the relationship between undergraduates' financial knowledge, behaviours, and attitudes are explored. These three dimensions of financial capability are considered in order to identify ways in which they influence one another. Data are collected via a survey administered at a small, private university in the United States. Financial…

  5. 50 CFR 600.235 - Financial disclosure.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 50 Wildlife and Fisheries 12 2013-10-01 2013-10-01 false Financial disclosure. 600.235 Section 600.235 Wildlife and Fisheries FISHERY CONSERVATION AND MANAGEMENT, NATIONAL OCEANIC AND ATMOSPHERIC ADMINISTRATION, DEPARTMENT OF COMMERCE MAGNUSON-STEVENS ACT PROVISIONS Council Membership § 600.235 Financial...

  6. 14 CFR 1240.113 - Financial accounting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Financial accounting. 1240.113 Section 1240.113 Aeronautics and Space NATIONAL AERONAUTICS AND SPACE ADMINISTRATION INVENTIONS AND CONTRIBUTIONS Awards for Scientific and Technical Contributions § 1240.113 Financial accounting. (a) An Award Check...

  7. The Relationship between Learning Capability and Organizational Performance: A Meta-Analytic Examination

    ERIC Educational Resources Information Center

    Goh, Swee C.; Elliott, Catherine; Quon, Tony K.

    2012-01-01

    Purpose: The purpose of this paper is to present a meta-analysis of a subset of published empirical research papers that measure learning capability and link it to organizational performance. It also seeks to examine both financial and non-financial performance. Design/methodology/approach: In a search of published research on learning capability…

  8. Financial Viability of Institutions. Issues in Post-Secondary Education.

    ERIC Educational Resources Information Center

    Jenny, Hans H.

    Financial viability in postsecondary education is considered as part of the Postsecondary Education Core Design Project sponsored by the National Center for Education Statistics. Financial viability is defined within the scope of postsecondary education, and key policy issues at the national, state, and institutional levels are identified.…

  9. Financial risk-sharing in updating the National List of Health Services in Israel: stakeholders' perceived interests.

    PubMed

    Hammerman, Ariel; Feder-Bubis, Paula; Greenberg, Dan

    2012-01-01

    Risk-sharing is being considered by many health care systems to address the financial risk associated with the adoption of new technologies. We explored major stakeholders' views toward the potential implementation of a financial risk-sharing mechanism regarding budget-impact estimates for adding new technologies to the Israeli National List of Health Services. According to our proposed scheme, health plans will be partially compensated by technology sponsors if the actual use of a technology is substantially higher than what was projected and health plans will refund the government for budgets that were not fully utilized. By using a semi-structured protocol, we interviewed major stakeholders involved in the process of updating the National List of Health Services (N = 31). We inquired into participants' views toward our proposed risk-sharing mechanism, whether the proposed scheme would achieve its purpose, its feasibility of implementation, and their opinion on the other stakeholders' incentives. Participants' considerations were classified into four main areas: financial, administrative/managerial, impact on patients' health, and influence on public image. Most participants agreed that the conceptual risk-sharing scheme will improve the accuracy of early budget estimates and were in favor of the proposed scheme, although Ministry of Finance officials tended to object to it. The successful implementation of risk-sharing schemes depends mainly on their perception as a win-win situation by all stakeholders. The perception exposed by our participants that risk-sharing can be a tool for improving the accuracy of early budget-impact estimates and the challenges pointed by them are relevant to other health care systems also and should be considered when implementing similar schemes. Copyright © 2012 International Society for Pharmacoeconomics and Outcomes Research (ISPOR). Published by Elsevier Inc. All rights reserved.

  10. Capabilities for high explosive pulsed power research at Los Alamos National Laboratory

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Goforth, James H; Oona, Henn; Tasker, Douglas G

    2008-01-01

    Research on topics requiring high magnetic fields and high currents have been pursued using high explosive pulsed power (HEPP) techniques since the 1950s at Los Alamos National Laboratory. We have developed many sophisticated HEPr systems through the years, and most of them depend on technology available from the nuclear weapons program. Through the 1980s and 1990s, our budgets would sustain parallel efforts in zpinch research using both HEPr and capacitor banks. In recent years, many changes have occurred that are driven by concerns such as safety, security, and environment, as well as reduced budgets and downsizing of the National Nuclearmore » Security Administration (NNSA) complex due to the end of the cold war era. In this paper, we review the teclmiques developed to date, and adaptations that are driven by changes in budgets and our changing complex. One new Ranchero-based solid liner z-pinch experimental design is also presented. Explosives that are cast to shape instead of being machined, and initiation systems that depend on arrays of slapper detonators are important new tools. Some materials that are seen as hazardous to the environment are avoided in designs. The process continues to allow a wide range of research however, and there are few, if any, experiments that we have done in the past that could not be perform today. The HErr firing facility at Los Alamos continues to have a 2000 lb. high explosive limit, and our 2.4 MJ capacitor bank remains a mainstay of the effort. Modem diagnostic and data analysis capabilities allow fewer personnel to achieve better results, and in the broad sense we continue to have a robust capability.« less

  11. Employment impact and financial burden for families of children with fragile X syndrome: findings from the National Fragile X Survey.

    PubMed

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

    2010-10-01

    The employment impact and financial burden experienced by families of children with fragile X syndrome (FXS) has not been quantified in the USA. 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 reported. We used logistic regression to examine the role of insurance, number of affected children, and number of total co-occurring conditions in predicting the financial burden and employment impact of FXS, while adjusting for race, education, marital status and other sociodemographic predictors. Almost half of families affected by FXS reported that they had experienced an increased financial burden and nearly 60% stated that they had had to change work hours or stop work because of FXS. Families with health insurance that met family needs were significantly less likely to report an excess financial burden. The type of insurance (private or public) was not associated with the reported financial burden. Affected children's mutation status, especially male children with the full mutation, was associated with employment impact. The total number of co-occurring conditions was associated with both financial burden and employment impact. Families affected by FXS experienced a significant employment impact and financial burden. Policies designed to help families with FXS need to take into consideration the dimension of co-occurring conditions. © 2010 The Authors. Journal of Intellectual Disability Research © 2010 Blackwell Publishing Ltd.

  12. Capitalizing on capabilities.

    PubMed

    Ulrich, Dave; Smallwood, Norm

    2004-06-01

    By making the most of organizational capabilities--employees' collective skills and fields of expertise--you can dramatically improve your company's market value. Although there is no magic list of proficiencies that every organization needs in order to succeed, the authors identify 11 intangible assets that well-managed companies tend to have: talent, speed, shared mind-set and coherent brand identity, accountability, collaboration, learning, leadership, customer connectivity, strategic unity, innovation, and efficiency. Such companies typically excel in only three of these capabilities while maintaining industry parity in the other areas. Organizations that fall below the norm in any of the 11 are likely candidates for dysfunction and competitive disadvantage. So you can determine how your company fares in these categories (or others, if the generic list doesn't suit your needs), the authors explain how to conduct a "capabilities audit," describing in particular the experiences and findings of two companies that recently performed such audits. In addition to highlighting which intangible assets are most important given the organization's history and strategy, this exercise will gauge how well your company delivers on its capabilities and will guide you in developing an action plan for improvement. A capabilities audit can work for an entire organization, a business unit, or a region--indeed, for any part of a company that has a strategy to generate financial or customer-related results. It enables executives to assess overall company strengths and weaknesses, senior leaders to define strategy, midlevel managers to execute strategy, and frontline leaders to achieve tactical results. In short, it helps turn intangible assets into concrete strengths.

  13. Financial Literacy and Education Research Priorities

    ERIC Educational Resources Information Center

    Schuchardt, Jane; Hanna, Sherman D.; Hira, Tahira K.; Lyons, Angela C.; Palmer, Lance; Xiao, Jing Jian

    2009-01-01

    Twenty-nine scholars from public and private universities, non-profit organizations, and the federal government participated in a National Research Symposium on Financial Literacy and Education in October 2008 in Washington, DC. The purpose was to identify critical research questions that could inform outcomes-based financial education, relevant…

  14. 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…

  15. Declining financial capacity in patients with mild Alzheimer disease: a one-year longitudinal study.

    PubMed

    Martin, Roy; Griffith, H Randall; Belue, Katherine; Harrell, Lindy; Zamrini, Edward; Anderson, Britt; Bartolucci, Alfred; Marson, Daniel

    2008-03-01

    The objective of this study was to investigate change over time in financial abilities in patients with mild Alzheimer disease (AD). The authors conducted a prospective 1-year longitudinal study at a large southern U.S. metropolitan-area medical school university. Participants included healthy older adults (N=63) and patients with mild AD (N=55). The authors conducted a standardized performance measure of financial capacity. Performance was assessed on 18 financial tasks, nine domains of financial activity, and overall financial capacity. Capacity outcomes classifications (capable, marginally capable, or incapable) for domains and overall performance were made using cut scores referenced to comparison group performance. At baseline, patients with mild AD performed significantly below healthy older adults on 16 of 18 tasks, on all nine domains, and on overall financial capacity. At one-year follow up, comparison group performance was stable on all variables. In contrast, patients with mild AD showed substantial declines in overall financial capacity, on eight of nine domains, and on 12 of 18 tasks. Similarly, the proportion of the mild AD group classified as marginally capable and incapable increased substantially over one year for the two overall scores and for five financial domains. Financial capacity is already substantially impaired in patients with mild AD at baseline and undergoes rapid additional decline over one year. Relative to the comparison group, overall financial capacity performance in the AD group declined 10%, from approximately 80% of the comparison group performance at baseline to 70% at follow up. Financial skills showed differential rates of decline on both simple and complex tasks. Of clinical and public policy interest was the declining judgment of patients with mild AD regarding simple fraud schemes. The study supports the importance of prompt financial supervision and planning for patients newly diagnosed with AD.

  16. 15 CFR 921.82 - Amendments to financial assistance awards.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 15 Commerce and Foreign Trade 3 2010-01-01 2010-01-01 false Amendments to financial assistance... COASTAL RESOURCE MANAGEMENT NATIONAL ESTUARINE RESEARCH RESERVE SYSTEM REGULATIONS General Financial Assistance Provisions § 921.82 Amendments to financial assistance awards. Actions requiring an amendment to...

  17. Financial barriers to HIV treatment in Yaoundé, Cameroon: first results of a national cross-sectional survey

    PubMed Central

    Marcellin, Fabienne; Ongolo-Zogo, Pierre; Abega, Séverin-Cécile; Nantchouang, Robert; Spire, Bruno; Moatti, Jean-Paul

    2009-01-01

    Abstract Objective To assess the extent to which user fees for antiretroviral therapy (ART) represent a financial barrier to access to ART among HIV-positive patients in Yaoundé, Cameroon. Methods Sociodemographic, economic and clinical data were collected from a random sample of 707 HIV-positive patients followed up in six public hospitals of the capital city (Yaoundé) and its surroundings through face-to-face interviews carried out by trained interviewers independently from medical staff and medical questionnaires filled out by prescribing physicians. Logistic regression models were used to identify factors associated with self-reported financial difficulties in purchasing ART during the previous 3 months. Findings Of the 532 patients treated with ART at the time of the survey, 20% reported financial difficulty in purchasing their antiretroviral drugs during the previous 3 months. After adjustment for socioeconomic and clinical factors, reports of financial difficulties were significantly associated with lower adherence to ART (odds ratio, OR: 0.24; 95% confidence interval, CI: 0.15–0.40; P < 0.0001) and with lower CD4+ lymphocyte (CD4) counts after 6 months of treatment (OR: 2.14; 95% CI: 1.15–3.96 for CD4 counts < 200 cells/µl; P = 0.04). Conclusion Removing a financial barrier to treatment with ART by eliminating user fees at the point of care delivery, as recommended by WHO, could lead to increased adherence to ART and to improved clinical results. New health financing mechanisms based on the public resources of national governments and international donors are needed to attain universal access to drugs and treatment for HIV infection. PMID:19551236

  18. 76 FR 82041 - Open Meeting of the President's Advisory Council on Financial Capability

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-29

    ... Council is composed of two ex officio Federal officials and 13 non-governmental members appointed by the... States join other Organization for Economic Cooperation and Development countries in administering the 2012 Programme for International Student Assessment financial literacy assessment, and identify funding...

  19. Do cancer survivors change their prescription drug use for financial reasons? Findings from a nationally representative sample in the United States.

    PubMed

    Zheng, Zhiyuan; Han, Xuesong; Guy, Gery P; Davidoff, Amy J; Li, Chunyu; Banegas, Matthew P; Ekwueme, Donatus U; Yabroff, K Robin; Jemal, Ahmedin

    2017-04-15

    There is limited evidence from nationally representative samples about changes in prescription drug use for financial reasons among cancer survivors in the United States. The 2011 to 2014 National Health Interview Survey was used to identify adults who reported ever having been told they had cancer (cancer survivors; n = 8931) and individuals without a cancer history (n = 126,287). Measures of changes in prescription drug use for financial reasons included: 1) skipping medication doses, 2) taking less medicine, 3) delaying filling a prescription, 4) asking a doctor for lower cost medication, 5) buying prescription drugs from another country, and 6) using alternative therapies. Multivariable logistic regression analyses were controlled for demographic characteristics, number of comorbid conditions, interactions between cancer history and number of comorbid conditions, and health insurance coverage. Main analyses were stratified by age (nonelderly, ages 18-64 years; elderly, ages ≥65 years) and time since diagnosis (recently diagnosed, <2 years; previously diagnosed, ≥2 years). Among nonelderly individuals, both recently diagnosed (31.6%) and previously diagnosed (27.9%) cancer survivors were more likely to report any change in prescription drug use for financial reasons than those without a cancer history (21.4%), with the excess percentage changes for individual measures ranging from 3.5% to 9.9% among previously diagnosed survivors and from 2.6% to 2.7% among recently diagnosed survivors (P < .01). Elderly cancer survivors and those without a cancer history had comparable rates of changes in prescription drug use for financial reasons. Nonelderly cancer survivors are particularly vulnerable to changes in prescription drug use for financial reasons, suggesting that targeted efforts are needed. Cancer 2017;123:1453-1463. © 2016 American Cancer Society. © 2017 American Cancer Society.

  20. Physician capability to electronically exchange clinical information, 2011.

    PubMed

    Patel, Vaishali; Swain, Matthew J; King, Jennifer; Furukawa, Michael F

    2013-10-01

    To provide national estimates of physician capability to electronically share clinical information with other providers and to describe variation in exchange capability across states and electronic health record (EHR) vendors using the 2011 National Ambulatory Medical Care Survey Electronic Medical Record Supplement. Survey of a nationally representative sample of nonfederal office-based physicians who provide direct patient care. The survey was administered by mail with telephone follow-up and had a 61% weighted response rate. The overall sample consisted of 4326 respondents. We calculated estimates of electronic exchange capability at the national and state levels, and applied multivariate analyses to examine the association between the capability to exchange different types of clinical information and physician and practice characteristics. In 2011, 55% of physicians had computerized capability to send prescriptions electronically; 67% had the capability to view lab results electronically; 42% were able to incorporate lab results into their EHR; 35% were able to send lab orders electronically; and, 31% exchanged patient clinical summaries with other providers. The strongest predictor of exchange capability is adoption of an EHR. However, substantial variation exists across geography and EHR vendors in exchange capability, especially electronic exchange of clinical summaries. In 2011, a majority of office-based physicians could exchange lab and medication data, and approximately one-third could exchange clinical summaries with patients or other providers. EHRs serve as a key mechanism by which physicians can exchange clinical data, though physicians' capability to exchange varies by vendor and by state.

  1. 32 CFR 32.52 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false Financial reporting. 32.52 Section 32.52..., HOSPITALS, AND OTHER NON-PROFIT ORGANIZATIONS Post-Award Requirements Reports and Records § 32.52 Financial reporting. (a) The following forms or such other forms as may be approved by OMB are authorized for...

  2. Distributed generation capabilities of the national energy modeling system

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    LaCommare, Kristina Hamachi; Edwards, Jennifer L.; Marnay, Chris

    2003-01-01

    This report describes Berkeley Lab's exploration of how the National Energy Modeling System (NEMS) models distributed generation (DG) and presents possible approaches for improving how DG is modeled. The on-site electric generation capability has been available since the AEO2000 version of NEMS. Berkeley Lab has previously completed research on distributed energy resources (DER) adoption at individual sites and has developed a DER Customer Adoption Model called DER-CAM. Given interest in this area, Berkeley Lab set out to understand how NEMS models small-scale on-site generation to assess how adequately DG is treated in NEMS, and to propose improvements or alternatives. Themore » goal is to determine how well NEMS models the factors influencing DG adoption and to consider alternatives to the current approach. Most small-scale DG adoption takes place in the residential and commercial modules of NEMS. Investment in DG ultimately offsets purchases of electricity, which also eliminates the losses associated with transmission and distribution (T&D). If the DG technology that is chosen is photovoltaics (PV), NEMS assumes renewable energy consumption replaces the energy input to electric generators. If the DG technology is fuel consuming, consumption of fuel in the electric utility sector is replaced by residential or commercial fuel consumption. The waste heat generated from thermal technologies can be used to offset the water heating and space heating energy uses, but there is no thermally activated cooling capability. This study consists of a review of model documentation and a paper by EIA staff, a series of sensitivity runs performed by Berkeley Lab that exercise selected DG parameters in the AEO2002 version of NEMS, and a scoping effort of possible enhancements and alternatives to NEMS current DG capabilities. In general, the treatment of DG in NEMS is rudimentary. The penetration of DG is determined by an economic cash-flow analysis that determines adoption based

  3. Awareness of financial skills in dementia.

    PubMed

    Van Wielingen, L E; Tuokko, H A; Cramer, K; Mateer, C A; Hultsch, D F

    2004-07-01

    The present study examined the relations among levels of cognitive functioning, executive dysfunction, and awareness of financial management capabilities among a sample of 42 community-dwelling persons with dementia. Financial tasks on the Measure of Awareness of Financial Skills (MAFS) were dichotomized as simple or complex based on Piaget's operational levels of childhood cognitive development. Severity of global cognitive impairment and executive dysfunction were significantly related to awareness of financial abilities as measured by informant-participant discrepancy scores on the MAFS. For persons with mild and moderate/severe dementia, and persons with and without executive dysfunction, proportions of awareness within simple and complex financial task categories were tabulated. Significantly less awareness of financial abilities occurred on complex compared with simple tasks. Individuals with mild dementia were significantly less aware of abilities on complex items, whereas persons with moderate/severe dementia were less aware of abilities, regardless of task complexity. Similar patterns of awareness were observed for individuals with and without executive dysfunction. These findings support literature suggesting that deficits associated with dementia first occur for complex cognitive tasks involving inductive reasoning or decision-making in novel situations, and identify where loss of function in the financial domain may first be expected. Copyright Taylor & Francis Ltd

  4. 36 CFR 1256.60 - Information relating to financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... financial institutions. 1256.60 Section 1256.60 Parks, Forests, and Public Property NATIONAL ARCHIVES AND... General Restrictions § 1256.60 Information relating to financial institutions. (a) In accordance with 5 U... regulation or supervision of financial institutions. (b) The Archivist of the United States may determine...

  5. 32 CFR 33.20 - Standards for financial management systems.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false Standards for financial management systems. 33... STATE AND LOCAL GOVERNMENTS Post-Award Requirements Financial Administration § 33.20 Standards for financial management systems. (a) A State must expand and account for grant funds in accordance with State...

  6. 32 CFR 33.20 - Standards for financial management systems.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 1 2011-07-01 2011-07-01 false Standards for financial management systems. 33... financial management systems. (a) A State must expand and account for grant funds in accordance with State... management systems of other grantees and subgrantees must meet the following standards: (1) Financial...

  7. 32 CFR 33.20 - Standards for financial management systems.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 32 National Defense 1 2012-07-01 2012-07-01 false Standards for financial management systems. 33... financial management systems. (a) A State must expand and account for grant funds in accordance with State... management systems of other grantees and subgrantees must meet the following standards: (1) Financial...

  8. The "Test of Financial Literacy": Development and Measurement Characteristics

    ERIC Educational Resources Information Center

    Walstad, William B.; Rebeck, Ken

    2017-01-01

    The "Test of Financial Literacy" (TFL) was created to measure the financial knowledge of high school students. Its content is based on the standards and benchmarks stated in the "National Standards for Financial Literacy" (Council for Economic Education 2013). The test development process involved extensive item writing and…

  9. Elder Fraud and Financial Exploitation: Application of Routine Activity Theory.

    PubMed

    DeLiema, Marguerite

    2017-03-10

    Elder financial exploitation, committed by individuals in positions of trust, and elder fraud, committed by predatory strangers, are two forms of financial victimization that target vulnerable older adults. This study analyzes differences between fraud and financial exploitation victims and tests routine activity theory as a contextual model for victimization. Routine activity theory predicts that criminal opportunities arise when a motivated offender and suitable target meet in the absence of capable guardians. Fifty-three financial exploitation and fraud cases were sampled from an elder abuse forensic center. Data include law enforcement and caseworker investigation reports, victim medical records, perpetrator demographic information, and forensic assessments of victim health and cognitive functioning. Fraud and financial exploitation victims performed poorly on tests of cognitive functioning and financial decision making administered by a forensic neuropsychologist following the allegations. Based on retrospective record review, there were few significant differences in physical health and cognitive functioning at the time victims' assets were taken, although their social contexts were different. Significantly more fraud victims were childless compared with financial exploitation victims. Fraud perpetrators took advantage of elders when they had no trustworthy friends or relatives to safeguard their assets. Findings support an adapted routine activity theory as a contextual model for financial victimization. Fraud most often occurred when a vulnerable elder was solicited by a financial predator in the absence of capable guardians. Prevention efforts should focus on reducing social isolation to enhance protection. © The Author 2017. Published by Oxford University Press on behalf of The Gerontological Society of America. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

  10. The Changing Financial Landscape of Renal Transplant Practice: A National Cohort Analysis

    PubMed Central

    Axelrod, David; Schnitzler, Mark A.; Xiao, Huiling; Naik, Abhijit S.; Segev, Dorry L.; Dharnidharka, Vikas R.; Brennan, Daniel C.; Lentine, Krista L.

    2017-01-01

    Kidney transplantation has become more resource intensive as recipient complexity has increased and average donor quality has diminished over time. A national retrospective cohort study was performed to assess the impact of kidney donor and recipient characteristics on transplant center cost (exclusive of organ acquisition) and Medicare reimbursement. Data from the national transplant registry, University HealthSystem Consortium hospital costs, and Medicare payments for deceased donor (N=53,862) and living donor (N=36,715) transplants from 2002–2013 were linked and analyzed using multivariate linear regression modeling. Deceased donor kidney transplant costs were correlated with recipient (Expected Post Transplant Survival Score, degree of allosensitization, obesity, cause of renal failure) donor (age, cause of death, donation after cardiac death, terminal creatinine), and transplant (histocompatibility matching) characteristics. Living donor costs rose sharply with higher degrees of allosensitization, and were also associated with obesity, cause of renal failure, recipient work ability, and 0-ABDR mismatching. Analysis of Medicare payments for a subsample of 24,809 transplants demonstrated minimal correlation with patient and donor characteristics. In conclusion, the complexity in the landscape of kidney transplantation increases center costs, posing financial disincentives that may reduce organ utilization and limit access for higher risk populations. PMID:27565133

  11. Producing financially literate medical graduates -- a national need for a brighter Pakistan.

    PubMed

    Rehman, Rehana; Katpar, Shah Jahan; Hussain, Mehwish; Khan, Rakhshaan

    2015-08-01

    To compare the awareness of financial wellness between male and female medical students. The cross-sectional questionnaire-based survey was conducted from February to December 2011 and comprised first year medical students belonging to different medical colleges of Karachi. Students from both genders, aged 19-24 years, belonging to all ethnic groups willing to participate were included. A close-ended questionnaire evaluated aspects of financial wellness, using four-point Likert's scale: never, sometimes, mostly, and always from 0 to 4. Besides, factor analysis was performed to investigate common financial wellness among the participants. Of the total 800 students approached, complete responses were received from 736(92%); 210(28.5%) boys and 526(71.5%) girls. The mean financial wellness score of boys was 8.60±3.04 and that of the girls was 7.61±3.12 (p<0.0005). Greater number of boys 93(44%) set both short- and long-term financial goals compared to 180(36%) girls (p=0.03). Besides, 218(42%) girls confined themselves to the budget compared to 81(39%) boys (p>0.05). More boys 71(34%) were spendthrift (p<0.0001) and 57(27%) preferred to keep their savings in bank accounts compared to the girls (p<0.0001). Overall, boys were better in financial security wellness compared to the girls (p=0.001). Male medical students exhibited awareness of financial wellness better than girls.

  12. Financial strain, social relations, and psychological distress among older people: a cross-cultural analysis.

    PubMed

    Ferraro, K F; Su, Y

    1999-01-01

    This article examines how financial strain and social relations may independently and jointly influence psychological distress among older people in four nations. Data from four Western Pacific nations (N = 3,277) are used to test additive and multiplicative models of the relationships between financial strain, social relations, and psychological distress. Financial strain is associated with higher levels of psychological distress in three of the four nations. Interactive models of the effects of financial strain and social relations on distress were uncovered in three of the four nations, but the type of social relation influencing the strain-distress relationship varied. Subjective-health and IADLs were significant predictors of psychological distress in all four nations. Findings suggest that although financial strain is quite likely to lead to psychological distress among elders, this can be mitigated, at least in part, by social relationships. Modernization was not associated with higher psychological distress.

  13. Defense Civil Support: DOD Needs to Identify National Guards Cyber Capabilities and Address Challenges in Its Exercises

    DTIC Science & Technology

    2016-09-01

    Congress. Consequently, as prepared now, this report does not help DOD leaders identify assets that could be used in a cyber crisis scenario...Guidance. GAO-13-128. Washington, D.C.: October 24, 2012. Defense Cyber Efforts: Management Improvements Needed to Enhance Programs Protecting the...DEFENSE CIVIL SUPPORT DOD Needs to Identify National Guard’s Cyber Capabilities and Address Challenges in Its

  14. 76 FR 35273 - Open Meeting of the President's Advisory Council on Financial Capability

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-16

    ... Financial Educations Award, administered by the American Institute of Certified Public Accountants and the... webcast beginning at 2:30 p.m. Eastern Time. The webcast will be open to the public. Details about how to... held on July 12, 2011, at 2:30 p.m. Eastern Time. Submission of Written Statements: The public is...

  15. Sandia QIS Capabilities.

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Muller, Richard P.

    2017-07-01

    Sandia National Laboratories has developed a broad set of capabilities in quantum information science (QIS), including elements of quantum computing, quantum communications, and quantum sensing. The Sandia QIS program is built atop unique DOE investments at the laboratories, including the MESA microelectronics fabrication facility, the Center for Integrated Nanotechnologies (CINT) facilities (joint with LANL), the Ion Beam Laboratory, and ASC High Performance Computing (HPC) facilities. Sandia has invested $75 M of LDRD funding over 12 years to develop unique, differentiating capabilities that leverage these DOE infrastructure investments.

  16. 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…

  17. National Aeronautics and Space Administration: Leadership and Systems Needed to Effect Financial Management Improvements

    DTIC Science & Technology

    2002-03-20

    financial reporting requirements-an unqualified opinion on its financial statements, no material internal control weaknesses, and financial management systems that are in substantial compliance the requirements of the Federal Financial Management Improvement Act (FFMIA). This implied that NASA not only could generate reliable information once a year for external financial reporting purposes but also could provide accurate, reliable information for day-today decision-making. In contrast with the unqualified or clean audit opinions of its previous

  18. Financial Aid for Higher Education: Anything's Possible!

    ERIC Educational Resources Information Center

    National Information Center for Handicapped Children and Youth, Washington, DC.

    Information on programs that provide financial aid to colleges and students are described in this information sheet of the National Information Center for Handicapped Children and Youth. Four basic categories of financial aid are grants, loans, work, and benefits. The Division of Personnel Preparation of the U.S. Department of Education makes…

  19. 36 CFR 64.12 - Standards for grantee financial management systems.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... financial management systems. 64.12 Section 64.12 Parks, Forests, and Public Property NATIONAL PARK SERVICE... RIGHTS-OF-WAY § 64.12 Standards for grantee financial management systems. The grantees' Financial Management Systems shall meet the minimum standards set forth in OMB Circular A-102, Attachment G. ...

  20. Community Psychology and the Capabilities Approach

    PubMed Central

    2016-01-01

    What makes for a good life? The capabilities approach to this question has much to offer community psychology, particularly with respect to marginalized groups. Capabilities are freedoms to engage in valued social activities and roles—what people can do and be given both their capacities, and environmental opportunities and constraints. Economist Amartya Sen’s focus on freedoms and agency resonates with psychological calls for empowerment, and philosopher Martha Nussbaum’s specification of requirements for a life that is fully human provides an important guide for social programs. Community psychology’s focus on mediating structures has much to offer the capabilities approach. Parallels between capabilities, as enumerated by Nussbaum, and settings that foster positive youth development, as described in a National Research Council Report (Eccles and Gootman (Eds) in Community programs to promote youth development. National Academy Press, Washington, 2002) suggest extensions of the approach to children. Community psychologists can contribute to theory about ways to create and modify settings to enhance capabilities as well as empowerment and positive youth development. Finally, capabilities are difficult to measure, because they involve freedoms to choose but only choices actually made or enacted can be observed. The variation in activities or goals across members of a setting provides a measure of the capabilities that the setting fosters. PMID:25822113

  1. Community psychology and the capabilities approach.

    PubMed

    Shinn, Marybeth

    2015-06-01

    What makes for a good life? The capabilities approach to this question has much to offer community psychology, particularly with respect to marginalized groups. Capabilities are freedoms to engage in valued social activities and roles-what people can do and be given both their capacities, and environmental opportunities and constraints. Economist Amartya Sen's focus on freedoms and agency resonates with psychological calls for empowerment, and philosopher Martha Nussbaum's specification of requirements for a life that is fully human provides an important guide for social programs. Community psychology's focus on mediating structures has much to offer the capabilities approach. Parallels between capabilities, as enumerated by Nussbaum, and settings that foster positive youth development, as described in a National Research Council Report (Eccles and Gootman (Eds) in Community programs to promote youth development. National Academy Press, Washington, 2002) suggest extensions of the approach to children. Community psychologists can contribute to theory about ways to create and modify settings to enhance capabilities as well as empowerment and positive youth development. Finally, capabilities are difficult to measure, because they involve freedoms to choose but only choices actually made or enacted can be observed. The variation in activities or goals across members of a setting provides a measure of the capabilities that the setting fosters.

  2. Clinical Interview Assessment of Financial Capacity in Older Adults with Mild Cognitive Impairment and Alzheimer’s Disease

    PubMed Central

    Marson, Daniel C.; Martin, Roy C.; Wadley, Virginia; Griffith, H. Randall; Snyder, Scott; Goode, Patricia S.; Kinney, F. Cleveland; Nicholas, Anthony P.; Steele, Terri; Anderson, Britt; Zamrini, Edward; Raman, Rema; Bartolucci, Alfred; Harrell, Lindy E.

    2009-01-01

    Objectives To investigate financial capacity in patients with mild cognitive impairment (MCI) and Alzheimer’s disease (AD) using a clinician interview approach. Design Cross-sectional. Setting Tertiary care medical center. Participants Healthy older adults (N=75), patients with amnestic MCI (N=58), mild AD (N=97), and moderate AD (N=31). Measurements The investigators and five study physicians developed a conceptually based, semi-structured clinical interview for evaluating seven core financial domains and overall financial capacity (Semi-Structured Clinical Interview for Financial Capacity; SCIFC). For each participant, a physician made capacity judgments (capable, marginally capable, or incapable) for each financial domain and for overall capacity. Results Study physicians made a total of over 11,000 capacity judgments across the study sample (N=261). Very good inter-rater agreement was obtained for the SCIFC judgments. Increasing proportions of marginal and incapable judgment ratings were associated with increasing disease severity across the four study groups. For overall financial capacity, 95 percent of physician judgments for older controls were rated as capable, as compared to only 82% for patients with MCI, 26% for patients with mild AD, and 4% for patients with moderate AD. Conclusion Financial capacity in cognitively impaired older adults can be reliably evaluated by physicians using a relatively brief, semi-structured clinical interview. Financial capacity shows mild impairment in MCI, emerging global impairment in mild AD, and advanced global impairment in moderate AD. MCI patients and their families should proactively engage in financial and legal planning given these patients’ risk of developing AD and accelerated loss of financial abilities. PMID:19453308

  3. The Changing Financial Landscape of Renal Transplant Practice: A National Cohort Analysis.

    PubMed

    Axelrod, D A; Schnitzler, M A; Xiao, H; Naik, A S; Segev, D L; Dharnidharka, V R; Brennan, D C; Lentine, K L

    2017-02-01

    Kidney transplantation has become more resource intensive as recipient complexity has increased and average donor quality has diminished over time. A national retrospective cohort study was performed to assess the impact of kidney donor and recipient characteristics on transplant center cost (exclusive of organ acquisition) and Medicare reimbursement. Data from the national transplant registry, University HealthSystem Consortium hospital costs, and Medicare payments for deceased donor (N = 53 862) and living donor (N = 36 715) transplants from 2002 to 2013 were linked and analyzed using multivariate linear regression modeling. Deceased donor kidney transplant costs were correlated with recipient (Expected Post Transplant Survival Score, degree of allosensitization, obesity, cause of renal failure), donor (age, cause of death, donation after cardiac death, terminal creatinine), and transplant (histocompatibility matching) characteristics. Living donor costs rose sharply with higher degrees of allosensitization, and were also associated with obesity, cause of renal failure, recipient work status, and 0-ABDR mismatching. Analysis of Medicare payments for a subsample of 24 809 transplants demonstrated minimal correlation with patient and donor characteristics. In conclusion, the complexity in the landscape of kidney transplantation increases center costs, posing financial disincentives that may reduce organ utilization and limit access for higher-risk populations. © Copyright 2016 The American Society of Transplantation and the American Society of Transplant Surgeons.

  4. Piloting the older adult financial exploitation measure in adult safeguarding services.

    PubMed

    Phelan, A; Fealy, G; Downes, C

    Financial abuse is arguably the most complex form of elder abuse as it may occur remote to the older person and it is impacted by issues such as cultural values, perpetrator intent and family expectations. Financial abuse may not be recognised by either the older person or the perpetrator, thus, its prevention, early identification and amelioration are important. The (Irish) National Centre for the Protection of Older People undertook a study to determine the appropriateness of the Older Adult Financial Exploitation Measure for use by the national safeguarding older person services. Findings from a small pilot study involving 16 safeguarding staff's use of the Older Adult Financial Exploitation Measure with 52 community dwelling older people referred to their service demonstrate a higher suspicion of financial abuse as well as identifying multiple instances of possible financial exploitation in a single individual. Thus, the Older Adult Financial Exploitation Measure is considered appropriate to assist safeguarding personnel's assessment of older people related to a suspicion of financial abuse. Copyright © 2017 Elsevier B.V. All rights reserved.

  5. 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…

  6. 31 CFR 370.23 - What other requirements apply to a financial institution?

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... financial institution? 370.23 Section 370.23 Money and Finance: Treasury Regulations Relating to Money and... requirements apply to a financial institution? The financial institution warrants that it will comply with all requirements imposed upon Receiving Depository Financial Institutions under the Operating Rules of the National...

  7. Trends in Microfabrication Capabilities & Device Architectures.

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Bauer, Todd; Jones, Adam; Lentine, Anthony L.

    The last two decades have seen an explosion in worldwide R&D, enabling fundamentally new capabilities while at the same time changing the international technology landscape. The advent of technologies for continued miniaturization and electronics feature size reduction, and for architectural innovations, will have many technical, economic, and national security implications. It is important to anticipate possible microelectronics development directions and their implications on US national interests. This report forecasts and assesses trends and directions for several potentially disruptive microfabrication capabilities and device architectures that may emerge in the next 5-10 years.

  8. Financial Care for Older Adults With Dementia.

    PubMed

    Pan, Xi; Lee, Yeonjung; Dye, Cheryl; Roley, Laurie Theriot

    2017-06-01

    This article describes an examination of the sociodemographic characteristics of adult children, particularly Baby Boomer caregivers, who provide financial care to older parents with dementia. The sample including 1,011adult children dementia caregivers aged 50 to 64 years is selected from a nationally representative sample in the 2010 Health and Retirement Study. Exact logistic regression revealed that race, provision of financial assistance to caregiver children, and the number of their children are significantly associated with financial caregiving of parents. Non-White caregivers are more likely to provide financial care to their parents or parents-in-law with dementia; those who have more children and provide financial assistance to their children are less likely to provide financial care to parents with dementia. The current findings present valuable new information on the sociodemographic characteristics of adult children who provide financial assistance to parents with dementia and inform research, programs, and services on dementia caregiving.

  9. Work, family, and managerial attitudes and practices in the European workplace: comparing Dutch, British, and Slovenian financial sector managers.

    PubMed

    Dulk, Laura Den; Peper, Bram; Sadar, Nevenka Černigoj; Lewis, Suzan; Smithson, Janet; Van Doorne-Huiskes, Anneke

    2011-01-01

    Managers are key actors shaping employees’ capabilities to utilize work–life policies. However, most research on managers’ implementation of these policies has been conducted in liberal welfare states and ignores the impact of institutional context. In this study, we situate managers within specific workplace and national layers of context. We investigated how managers in financial organizations in the Netherlands, UK, and Slovenia talk about the utilization of work–life policies. Managers’ discourses stressed disruption and dependency considerations in these case studies, as in the US research. However, a further management discourse of the moral case or right thing to do also emerged. The lack of resources for replacing staff on leave creates disruption and reduces managers capability to support the use of work–life policies, even when they are statutory or if managers are inclined be supportive (dependency or moral argument). This is likely to impact on parents' capabilities.

  10. The Impact of the Global Financial Crisis on Japan's Higher Education

    ERIC Educational Resources Information Center

    Huang, Futao

    2011-01-01

    This paper deals with the impact of the global financial crisis on Japan's economy, especially on its higher education. The first section provides an overview of Japan's national economy with a focus on the impact of the global financial crisis on the national economy, then the author touches on the impact on the Japanese government's finances,…

  11. Identifying financial crises in real time

    NASA Astrophysics Data System (ADS)

    da Fonseca, Eder Lucio; Ferreira, Fernando F.; Muruganandam, Paulsamy; Cerdeira, Hilda A.

    2013-03-01

    Following the thermodynamic formulation of a multifractal measure that was shown to enable the detection of large fluctuations at an early stage, here we propose a new index which permits us to distinguish events like financial crises in real time. We calculate the partition function from which we can obtain thermodynamic quantities analogous to the free energy and specific heat. The index is defined as the normalized energy variation and it can be used to study the behavior of stochastic time series, such as financial market daily data. Famous financial market crashes-Black Thursday (1929), Black Monday (1987) and the subprime crisis (2008)-are identified with clear and robust results. The method is also applied to the market fluctuations of 2011. From these results it appears as if the apparent crisis of 2011 is of a different nature to the other three. We also show that the analysis has forecasting capabilities.

  12. Peer-supported economic empowerment: A financial wellness intervention framework for people with psychiatric disabilities.

    PubMed

    Jiménez-Solomon, Oscar G; Méndez-Bustos, Pablo; Swarbrick, Margaret; Díaz, Samantha; Silva, Sissy; Kelley, Maura; Duke, Steve; Lewis-Fernández, Roberto

    2016-09-01

    People with psychiatric disabilities experience substantial economic exclusion, which hinders their ability to achieve recovery and wellness. The purpose of this article is to describe a framework for a peer-supported economic empowerment intervention grounded in empirical literature and designed to enhance financial wellness. The authors followed a 3-step process, including (a) an environmental scan of scientific literature, (b) a critical review of relevant conceptual frameworks, and (c) the design of an intervention logic framework based on (a) and (b), the programmatic experience of the authors, and input from peer providers. We identified 6 peer provider functions to support individuals with psychiatric disabilities to overcome economic inclusion barriers, achieve financial wellness goals, and lessen the psychosocial impact of poverty and dependency. These include (a) engaging individuals in culturally meaningful conversations about life dreams and financial goals, (b) inspiring individuals to reframe self-defeating narratives by sharing personal stories, (c) facilitating a financial wellness action plan, (d) coaching to develop essential financial skills, (e) supporting navigation and utilization of financial and asset-building services, and (f) fostering mutual emotional and social support to achieve financial wellness goals. Financial wellness requires capabilities that depend on gaining access to financial and asset-building supports, and not merely developing financial skills. The proposed framework outlines new roles and competencies for peer providers to help individuals build essential financial capabilities, and address social determinants of mental health and disability. Research is currently underway to pilot-test and refine peer-supported economic empowerment strategies. (PsycINFO Database Record (c) 2016 APA, all rights reserved).

  13. Qualitative interviews with non-national tuberculosis patients in Cairo, Egypt: understanding the financial and social cost of treatment adherence.

    PubMed

    Lohiniva, Anna L; Mokhtar, Alaa; Azer, Ashraf; Elmoghazy, Esaam; Kamal, Eman; Benkirane, Manal; Dueger, Erica

    2016-11-01

    Limited data are available about the challenges of non-national TB patients undergoing long-term treatment courses in an urban setting. This study aimed to understand the financial and social cost of adherence of non-national TB patients in Cairo, Egypt as a means to inform the development of context-specific interventions to support treatment adherence. In 2011, 22 in-depth interviews were conducted with TB patients from Sudan, Ethiopia, Eritrea, Somalia and Djibouti to obtain qualitative data. Analysis was based on thematic analysis that aimed to identify recurrent themes and codes from the narratives. The study identified a number of factors that influence TB treatment adherence. Uncertain financial status due to limited or no employment was frequently discussed in interviews, which resulted in fear of not being able to support family, loss of pride, dependence on family and friends, fear of losing housing, food insecurity and limited food options. Respondents also feared infecting other household members and longed for opportunities to discuss their illness and treatment experiences with other individuals but their social networks were often limited. TB-related stigma was driven by shame and blame of infection. Respondents also believed stigma was based on their foreign origin. Stigma manifested in distancing and exclusion in various ways, resulting in isolation, psychological distress and reluctance to disclose TB status to others. Poverty-related factors and social context with a special focus on stigma should be considered when developing strategies for supporting long-term treatment courses for non-national patients in Cairo and other similar urban settings. © 2015 John Wiley & Sons Ltd.

  14. CASL Dakota Capabilities Summary

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Adams, Brian M.; Simmons, Chris; Williams, Brian J.

    2017-10-10

    The Dakota software project serves the mission of Sandia National Laboratories and supports a worldwide user community by delivering state-of-the-art research and robust, usable software for optimization and uncertainty quantification. These capabilities enable advanced exploration and riskinformed prediction with a wide range of computational science and engineering models. Dakota is the verification and validation (V&V) / uncertainty quantification (UQ) software delivery vehicle for CASL, allowing analysts across focus areas to apply these capabilities to myriad nuclear engineering analyses.

  15. Use of Air Quality Observations by the National Air Quality Forecast Capability

    NASA Astrophysics Data System (ADS)

    Stajner, I.; McQueen, J.; Lee, P.; Stein, A. F.; Kondragunta, S.; Ruminski, M.; Tong, D.; Pan, L.; Huang, J. P.; Shafran, P.; Huang, H. C.; Dickerson, P.; Upadhayay, S.

    2015-12-01

    The National Air Quality Forecast Capability (NAQFC) operational predictions of ozone and wildfire smoke for the United States (U.S.) and predictions of airborne dust for continental U.S. are available at http://airquality.weather.gov/. NOAA National Centers for Environmental Prediction (NCEP) operational North American Mesoscale (NAM) weather predictions are combined with the Community Multiscale Air Quality (CMAQ) model to produce the ozone predictions and test fine particulate matter (PM2.5) predictions. The Hybrid Single Particle Lagrangian Integrated Trajectory (HYSPLIT) model provides smoke and dust predictions. Air quality observations constrain emissions used by NAQFC predictions. NAQFC NOx emissions from mobile sources were updated using National Emissions Inventory (NEI) projections for year 2012. These updates were evaluated over large U.S. cities by comparing observed changes in OMI NO2 observations and NOx measured by surface monitors. The rate of decrease in NOx emission projections from year 2005 to year 2012 is in good agreement with the observed changes over the same period. Smoke emissions rely on the fire locations detected from satellite observations obtained from NESDIS Hazard Mapping System (HMS). Dust emissions rely on a climatology of areas with a potential for dust emissions based on MODIS Deep Blue aerosol retrievals. Verification of NAQFC predictions uses AIRNow compilation of surface measurements for ozone and PM2.5. Retrievals of smoke from GOES satellites are used for verification of smoke predictions. Retrievals of dust from MODIS are used for verification of dust predictions. In summary, observations are the basis for the emissions inputs for NAQFC, they are critical for evaluation of performance of NAQFC predictions, and furthermore they are used in real-time testing of bias correction of PM2.5 predictions, as we continue to work on improving modeling and emissions important for representation of PM2.5.

  16. 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.

  17. NASA Capability Roadmaps Executive Summary

    NASA Technical Reports Server (NTRS)

    Willcoxon, Rita; Thronson, Harley; Varsi, Guilio; Mueller, Robert; Regenie, Victoria; Inman, Tom; Crooke, Julie; Coulter, Dan

    2005-01-01

    This document is the result of eight months of hard work and dedication from NASA, industry, other government agencies, and academic experts from across the nation. It provides a summary of the capabilities necessary to execute the Vision for Space Exploration and the key architecture decisions that drive the direction for those capabilities. This report is being provided to the Exploration Systems Architecture Study (ESAS) team for consideration in development of an architecture approach and investment strategy to support NASA future mission, programs and budget requests. In addition, it will be an excellent reference for NASA's strategic planning. A more detailed set of roadmaps at the technology and sub-capability levels are available on CD. These detailed products include key driving assumptions, capability maturation assessments, and technology and capability development roadmaps.

  18. Student Financial Aid. Schools' Experiences Using the National Student Loan Data System. Report to the Chairman, Subcommittee on Oversight and Investigations, Committee on Education and the Workforce, House of Representatives.

    ERIC Educational Resources Information Center

    General Accounting Office, Washington, DC. Health, Education, and Human Services Div.

    This report presents results of a survey of 600 postsecondary schools concerning their use of the National Student Loan Data System (NSLDS). NSLDS was developed to improve the quality and accessibility of student financial aid data, to reduce the burden on schools of administering the Department of Education's student financial aid programs, and…

  19. Taking Ownership of the Future: The National Strategy for Financial Literacy, 2006

    ERIC Educational Resources Information Center

    US Financial Literacy and Education Commission, 2006

    2006-01-01

    Today's increasingly complex financial services market offers consumers a vast array of products, services, and providers to choose from to meet their financial needs. While this degree of choice provides consumers with a great number of options, it also requires that they be equipped with the information, knowledge, and skills to evaluate their…

  20. 47 CFR 400.9 - Financial and administrative requirements.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 47 Telecommunication 5 2013-10-01 2013-10-01 false Financial and administrative requirements. 400.9 Section 400.9 Telecommunication NATIONAL TELECOMMUNICATIONS AND INFORMATION ADMINISTRATION, DEPARTMENT OF COMMERCE, AND NATIONAL HIGHWAY TRAFFIC SAFETY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION E...

  1. 47 CFR 400.9 - Financial and administrative requirements.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 47 Telecommunication 5 2011-10-01 2011-10-01 false Financial and administrative requirements. 400.9 Section 400.9 Telecommunication NATIONAL TELECOMMUNICATIONS AND INFORMATION ADMINISTRATION, DEPARTMENT OF COMMERCE, AND NATIONAL HIGHWAY TRAFFIC SAFETY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION E...

  2. 47 CFR 400.9 - Financial and administrative requirements.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 47 Telecommunication 5 2014-10-01 2014-10-01 false Financial and administrative requirements. 400.9 Section 400.9 Telecommunication NATIONAL TELECOMMUNICATIONS AND INFORMATION ADMINISTRATION, DEPARTMENT OF COMMERCE, AND NATIONAL HIGHWAY TRAFFIC SAFETY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION E...

  3. 47 CFR 400.9 - Financial and administrative requirements.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 47 Telecommunication 5 2010-10-01 2010-10-01 false Financial and administrative requirements. 400.9 Section 400.9 Telecommunication NATIONAL TELECOMMUNICATIONS AND INFORMATION ADMINISTRATION, DEPARTMENT OF COMMERCE, AND NATIONAL HIGHWAY TRAFFIC SAFETY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION E...

  4. 47 CFR 400.9 - Financial and administrative requirements.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 47 Telecommunication 5 2012-10-01 2012-10-01 false Financial and administrative requirements. 400.9 Section 400.9 Telecommunication NATIONAL TELECOMMUNICATIONS AND INFORMATION ADMINISTRATION, DEPARTMENT OF COMMERCE, AND NATIONAL HIGHWAY TRAFFIC SAFETY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION E...

  5. 36 CFR 64.15 - Financial reporting requirements and reimbursements.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 36 Parks, Forests, and Public Property 1 2010-07-01 2010-07-01 false Financial reporting requirements and reimbursements. 64.15 Section 64.15 Parks, Forests, and Public Property NATIONAL PARK SERVICE... RIGHTS-OF-WAY § 64.15 Financial reporting requirements and reimbursements. Payments to applicants will...

  6. 36 CFR 1207.20 - Standards for financial management systems.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... management systems. 1207.20 Section 1207.20 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS... financial management systems. (a) A State must expand and account for grant funds in accordance with State... management systems of other grantees and subgrantees must meet the following standards: (1) Financial...

  7. 36 CFR 1207.20 - Standards for financial management systems.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... management systems. 1207.20 Section 1207.20 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS... financial management systems. (a) A State must expand and account for grant funds in accordance with State... management systems of other grantees and subgrantees must meet the following standards: (1) Financial...

  8. 36 CFR 1207.20 - Standards for financial management systems.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... management systems. 1207.20 Section 1207.20 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS... financial management systems. (a) A State must expand and account for grant funds in accordance with State... management systems of other grantees and subgrantees must meet the following standards: (1) Financial...

  9. 36 CFR 64.15 - Financial reporting requirements and reimbursements.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 36 Parks, Forests, and Public Property 1 2011-07-01 2011-07-01 false Financial reporting requirements and reimbursements. 64.15 Section 64.15 Parks, Forests, and Public Property NATIONAL PARK SERVICE... RIGHTS-OF-WAY § 64.15 Financial reporting requirements and reimbursements. Payments to applicants will...

  10. Fiscal fitness. Ten principles for evaluating financial health.

    PubMed

    Cleverley, W O

    1986-01-01

    Such factors as declining utilization, aging plant, and competition may contribute to a hospital's closing, but the ultimate cause of hospital failure can usually be found in the institution's financial books. Perhaps as many as 20 percent of the nation's hospitals will close in the next decade, usually because of insolvency. Ten specific principles of financial performance can help hospitals survive. Among these are the principles that operating profits should cover replacement cost of assets, that nonoperating sources of income are critical to product-line enhancement, and that growth of equity capital is the bottom line of survival. Careful attention should be given to Catholic hospitals' performance relative to the national norms. Financial Analysis Service data indicate a mixed showing in this regard, and in several areas both Catholic hospitals and hospitals in general need to improve.

  11. 12 CFR 741.220 - Privacy of consumer financial information.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Privacy of consumer financial information. 741.220 Section 741.220 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING... Privacy of consumer financial information. Any credit union which is insured pursuant to Title II of the...

  12. 12 CFR 741.220 - Privacy of consumer financial information.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Privacy of consumer financial information. 741.220 Section 741.220 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING... Privacy of consumer financial information. Any credit union which is insured pursuant to Title II of the...

  13. 12 CFR 741.220 - Privacy of consumer financial information.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Privacy of consumer financial information. 741.220 Section 741.220 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING... Privacy of consumer financial information. Any credit union which is insured pursuant to title II of the...

  14. 12 CFR 741.220 - Privacy of consumer financial information.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Privacy of consumer financial information. 741.220 Section 741.220 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING... Privacy of consumer financial information. Any credit union which is insured pursuant to Title II of the...

  15. 12 CFR 741.220 - Privacy of consumer financial information.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Privacy of consumer financial information. 741.220 Section 741.220 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING... Privacy of consumer financial information. Any credit union which is insured pursuant to Title II of the...

  16. 32 CFR 33.20 - Standards for financial management systems.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... records, contract and subgrant award documents, etc. (7) Cash management. Procedures for minimizing the... 32 National Defense 1 2013-07-01 2013-07-01 false Standards for financial management systems. 33... financial management systems. (a) A State must expand and account for grant funds in accordance with State...

  17. 32 CFR Appendix G to Part 275 - Releasing Information Obtained From Financial Institutions

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 32 National Defense 2 2013-07-01 2013-07-01 false Releasing Information Obtained From Financial Institutions G Appendix G to Part 275 National Defense Department of Defense (Continued) OFFICE OF THE... FINANCIAL PRIVACY ACT OF 1978 Pt. 275, App. G Appendix G to Part 275—Releasing Information Obtained From...

  18. 32 CFR Appendix G to Part 275 - Releasing Information Obtained From Financial Institutions

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 2 2011-07-01 2011-07-01 false Releasing Information Obtained From Financial Institutions G Appendix G to Part 275 National Defense Department of Defense (Continued) OFFICE OF THE... FINANCIAL PRIVACY ACT OF 1978 Pt. 275, App. G Appendix G to Part 275—Releasing Information Obtained From...

  19. 32 CFR Appendix G to Part 275 - Releasing Information Obtained From Financial Institutions

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 32 National Defense 2 2012-07-01 2012-07-01 false Releasing Information Obtained From Financial Institutions G Appendix G to Part 275 National Defense Department of Defense (Continued) OFFICE OF THE... FINANCIAL PRIVACY ACT OF 1978 Pt. 275, App. G Appendix G to Part 275—Releasing Information Obtained From...

  20. 32 CFR Appendix G to Part 275 - Releasing Information Obtained From Financial Institutions

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 32 National Defense 2 2014-07-01 2014-07-01 false Releasing Information Obtained From Financial Institutions G Appendix G to Part 275 National Defense Department of Defense (Continued) OFFICE OF THE... FINANCIAL PRIVACY ACT OF 1978 Pt. 275, App. G Appendix G to Part 275—Releasing Information Obtained From...

  1. Laboratory manager's financial handbook. The laboratory's importance to the financial stability of a health-care organization.

    PubMed

    Travers, E M

    1996-01-01

    From a financial standpoint, one of the most valuable assets in the survival of a health-care organization is the clinical laboratory. Laboratory directors, managers, and supervisors have indicated their overwhelming need to understand finance, especially cost management, to CLMA and to the author at national meetings and workshops, Tremendous financial pressures are being applied in health-care organizations across the country. Two strategic factors in their successful move into the 21st century are more appropriate test utilization and cost control in the laboratory.

  2. Understanding the Financial Knowledge Gap: A New Dimension of Inequality in Later Life.

    PubMed

    Khan, Mohammad Nuruzzaman; Rothwell, David W; Cherney, Katrina; Sussman, Tamara

    2017-01-01

    To understand individuals' financial behaviors, it is important to understand the financial knowledge gap - the distance between one's objective and subjective financial knowledge. Overestimating one's financial knowledge can lead to risky financial behaviors. To date, limited empirical work has examined how financial knowledge gap varies across age groups. We analyze the size and nature of the financial knowledge gap and its variation across age groups. Using nationally representative data, we find robust evidence that older adults overestimate their financial knowledge. Social workers can assess the financial knowledge gap and educate their clients to protect from financial fraud, exploitation, and abuse.

  3. Fraudulent Financial Reporting: Education's Response to a National Problem.

    ERIC Educational Resources Information Center

    Bayes, Paul E.; And Others

    1993-01-01

    Responses from 35 of 79 accounting-accredited business schools, 63 of 148 accredited in business only by the American Association of Collegiate Schools of Business (AACSB), and 88 of 205 non-AACSB accredited schools indicated minimal coverage of fraudulent financial reporting in course content. Accounting-accredited schools had greatest breadth of…

  4. Financial expectations of first-year veterinary students.

    PubMed

    Lim, Christine C; Schulhofer-Wohl, Sam; Root Kustritz, Margaret V; Molgaard, Laura K; Lee, David

    2015-07-15

    To assess student awareness of the financial costs of pursuing a veterinary education, to determine student expectations for financial returns of a veterinary career, and to identify associations between student debt and factors such as future career plans or personality type. Survey. First-year veterinary students at the University of Minnesota College of Veterinary Medicine. In 2013, prior to the first day of class, all incoming first-year students received an email invitation to complete an online survey. The survey contained questions about demographics, current financial situation, current debt, expected debt at graduation, expected annual income following graduation, intent to pursue specialty training, and Myers-Briggs personality type. 72 of 102 (71%) students completed the survey; 65 respondents answered all relevant questions and provided usable data. Student responses for expected debt at graduation were comparable to national averages for veterinary college graduates; responses for expected annual income following graduation were lower than averages for University of Minnesota veterinary college graduates and national averages. However, students predicted even lower annual income if they did not attend veterinary college. Expected debt and expected annual income were not correlated with factors such as personality type or future career plans. Results indicated that first-year veterinary students were aware of the financial costs of their veterinary education and had realistic expectations for future salaries. For typical veterinary students, attending veterinary college appeared to be financially worthwhile, given lower expected earnings otherwise.

  5. Critical infrastructure protection : significant challenges in developing national capabilities

    DOT National Transportation Integrated Search

    2001-04-01

    To address the concerns about protecting the nation's critical computer-dependent infrastructure, this General Accounting Office (GOA) report describes the progress of the National Infrastructure Protection Center (NIPC) in (1) developing national ca...

  6. National Laboratory Planning: Developing Sustainable Biocontainment Laboratories in Limited Resource Areas.

    PubMed

    Yeh, Kenneth B; Adams, Martin; Stamper, Paul D; Dasgupta, Debanjana; Hewson, Roger; Buck, Charles D; Richards, Allen L; Hay, John

    2016-01-01

    Strategic laboratory planning in limited resource areas is essential for addressing global health security issues. Establishing a national reference laboratory, especially one with BSL-3 or -4 biocontainment facilities, requires a heavy investment of resources, a multisectoral approach, and commitments from multiple stakeholders. We make the case for donor organizations and recipient partners to develop a comprehensive laboratory operations roadmap that addresses factors such as mission and roles, engaging national and political support, securing financial support, defining stakeholder involvement, fostering partnerships, and building trust. Successful development occurred with projects in African countries and in Azerbaijan, where strong leadership and a clear management framework have been key to success. A clearly identified and agreed management framework facilitate identifying the responsibility for developing laboratory capabilities and support services, including biosafety and biosecurity, quality assurance, equipment maintenance, supply chain establishment, staff certification and training, retention of human resources, and sustainable operating revenue. These capabilities and support services pose rate-limiting yet necessary challenges. Laboratory capabilities depend on mission and role, as determined by all stakeholders, and demonstrate the need for relevant metrics to monitor the success of the laboratory, including support for internal and external audits. Our analysis concludes that alternative frameworks for success exist for developing and implementing capabilities at regional and national levels in limited resource areas. Thus, achieving a balance for standardizing practices between local procedures and accepted international standards is a prerequisite for integrating new facilities into a country's existing public health infrastructure and into the overall international scientific community.

  7. National Laboratory Planning: Developing Sustainable Biocontainment Laboratories in Limited Resource Areas

    PubMed Central

    Adams, Martin; Stamper, Paul D.; Dasgupta, Debanjana; Hewson, Roger; Buck, Charles D.; Richards, Allen L.; Hay, John

    2016-01-01

    Strategic laboratory planning in limited resource areas is essential for addressing global health security issues. Establishing a national reference laboratory, especially one with BSL-3 or -4 biocontainment facilities, requires a heavy investment of resources, a multisectoral approach, and commitments from multiple stakeholders. We make the case for donor organizations and recipient partners to develop a comprehensive laboratory operations roadmap that addresses factors such as mission and roles, engaging national and political support, securing financial support, defining stakeholder involvement, fostering partnerships, and building trust. Successful development occurred with projects in African countries and in Azerbaijan, where strong leadership and a clear management framework have been key to success. A clearly identified and agreed management framework facilitate identifying the responsibility for developing laboratory capabilities and support services, including biosafety and biosecurity, quality assurance, equipment maintenance, supply chain establishment, staff certification and training, retention of human resources, and sustainable operating revenue. These capabilities and support services pose rate-limiting yet necessary challenges. Laboratory capabilities depend on mission and role, as determined by all stakeholders, and demonstrate the need for relevant metrics to monitor the success of the laboratory, including support for internal and external audits. Our analysis concludes that alternative frameworks for success exist for developing and implementing capabilities at regional and national levels in limited resource areas. Thus, achieving a balance for standardizing practices between local procedures and accepted international standards is a prerequisite for integrating new facilities into a country's existing public health infrastructure and into the overall international scientific community. PMID:27559843

  8. When nursing takes ownership of financial outcomes: achieving exceptional financial performance through leadership, strategy, and execution.

    PubMed

    Goetz, Kristopher; Janney, Michelle; Ramsey, Kristin

    2011-01-01

    With nurses and unlicensed supportive personnel composing the greatest percentage of the workforce at any hospital, it is not surprising nursing leadership plays an increasing role in the attainment of financial goals. The nursing leadership team at one academic medical center reduced costs by more than $10 million over 4 years while outperforming national benchmarks on nurse-sensitive quality indicators. The most critical success factor in attaining exceptional financial performance is a personal and collective accountability to achieving outcomes. Whether it is financial improvement, advancing patient safety, or ensuring a highly engaged workforce, success will not be attained without thoughtful, focused leadership. The accountability model ensures there is a culture built around financial performance where nurses and leaders think and act, on a daily basis, in a manner necessary to understand opportunities, find answers, and overcome obstacles. While structures, processes, and tools may serve as the means to achieve a target, it is leadership's responsibility to set the right goal and motivate others.

  9. Development of JSDF Cyber Warfare Defense Critical Capability

    DTIC Science & Technology

    2010-03-01

    attack identification capability is essential for a nation to defend her vital infrastructures against offensive cyber warfare . Although the necessity of...cyber-attack identification capability is quite clear, the Japans preparation against cyber warfare is quite limited.

  10. Strategic activity and financial performance of U.S. rural hospitals: a national study, 1983 to 1988.

    PubMed

    Mick, S S; Morlock, L L; Salkever, D; de Lissovoy, G; Malitz, F; Wise, C G; Jones, A

    1994-01-01

    This study examines the effect of 13 strategic management activities on the financial performance of a national sample of 797 U.S. rural hospitals during the period of 1983-1988. Controlled for environment-market, geographic-region, and hospital-related variables, the results show almost no measurable effect of strategic adoption on rural hospital profitability and liquidity. Where statistically significant relationships existed, they were more often negative than positive. These findings were not expected; it was hypothesized that positive effects across a broad range of strategies would emerge, other things being equal. Discussed are possible explanations for these findings as well as their implication for a rural health policy relying on individual rural hospital strategic adaptation to environmental change.

  11. Reducing Fraudulent Financial Reporting: An Expanded Role for Business Education in the 1990s.

    ERIC Educational Resources Information Center

    Urbancic, Frank R.

    1988-01-01

    The author reports findings of the National Commission on Fraudulent Financial Reporting concerning the role of business education in reducing fraud in financial reporting. Issues covered include teaching financial regulations, developing skills needed to detect fraud, teaching ethical values, and preparing faculty to teach about financial fraud.…

  12. 32 CFR Appendix N to Part 275 - Obtaining Access to Financial Records Overseas

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 2 2011-07-01 2011-07-01 false Obtaining Access to Financial Records Overseas N Appendix N to Part 275 National Defense Department of Defense (Continued) OFFICE OF THE SECRETARY OF... PRIVACY ACT OF 1978 Pt. 275, App. N Appendix N to Part 275—Obtaining Access to Financial Records Overseas...

  13. 32 CFR Appendix N to Part 275 - Obtaining Access to Financial Records Overseas

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 2 2010-07-01 2010-07-01 false Obtaining Access to Financial Records Overseas N Appendix N to Part 275 National Defense Department of Defense (Continued) OFFICE OF THE SECRETARY OF... PRIVACY ACT OF 1978 Pt. 275, App. N Appendix N to Part 275—Obtaining Access to Financial Records Overseas...

  14. National Research Council Dialogue to Assess Progress on NASA's Advanced Modeling, Simulation and Analysis Capability and Systems Engineering Capability Roadmap Development

    NASA Technical Reports Server (NTRS)

    Aikins, Jan

    2005-01-01

    Contents include the following: General Background and Introduction of Capability Roadmaps. Agency Objective. Strategic Planning Transformation. Advanced Planning Organizational Roles. Public Involvement in Strategic Planning. Strategic Roadmaps and Schedule. Capability Roadmaps and Schedule. Purpose of NRC Review. Capability Roadmap Development (Progress to Date).

  15. 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…

  16. 75 FR 1001 - U.S. Chief Financial Officer Council; Grants Policy Committee (GPC)

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-01-07

    ... NATIONAL SCIENCE FOUNDATION U.S. Chief Financial Officer Council; Grants Policy Committee (GPC... committee of the U.S. Chief Financial Officers (CFO) Council. The Office of Management and Budget (OMB... Government. The GPC is charged with improving the management of federal financial assistance government-wide...

  17. A global country-level comparison of the financial burden of surgery.

    PubMed

    Shrime, M G; Dare, A; Alkire, B C; Meara, J G

    2016-10-01

    Approximately 30 per cent of the global burden of disease is surgical, and nearly one-quarter of individuals who undergo surgery each year face financial hardship because of its cost. The Lancet Commission on Global Surgery has proposed the elimination of impoverishment due to surgery by 2030, but no country-level estimates exist of the financial burden of surgical access. Using publicly available data, the incidence and risk of financial hardship owing to surgery was estimated for each country. Four measures of financial catastrophe were examined: catastrophic expenditure, and impoverishment at the national poverty line, at 2 international dollars (I$) per day and at I$1·25 per day. Stochastic models of income and surgical costs were built for each country. Results were validated against available primary data. Direct medical costs of surgery put 43·9 (95 per cent posterior credible interval 2·2 to 87·1) per cent of the examined population at risk of catastrophic expenditure, and 57·0 (21·8 to 85·1) per cent at risk of being pushed below I$2 per day. The risk of financial hardship from surgery was highest in sub-Saharan Africa. Correlations were found between the risk of financial catastrophe and external financing of healthcare (positive correlation), national measures of well-being (negative correlation) and the percentage of a country's gross domestic product spent on healthcare (negative correlation). The model performed well against primary data on the costs of surgery. Country-specific estimates of financial catastrophe owing to surgical care are presented. The economic benefits projected to occur with the scale-up of surgery are placed at risk if the financial burden of accessing surgery is not addressed in national policies. © 2016 BJS Society Ltd Published by John Wiley & Sons Ltd.

  18. Financial Mathematical Tasks in a Middle School Mathematics Textbook Series: A Content Analysis

    ERIC Educational Resources Information Center

    Hamburg, Maryanna P.

    2009-01-01

    This content analysis examined the distribution of financial mathematical tasks (FMTs), mathematical tasks that contain financial terminology and require financially related solutions, across the National Standards in K-12 Personal Finance Education categories (JumpStart Coalition, 2007), the thinking skills as identified by "A Taxonomy for…

  19. Expanded Financial Literacy Unit Helps Students Make Wise Choices

    ERIC Educational Resources Information Center

    Franklin, Iris E.

    2007-01-01

    Financial literacy is a national, state, and local concern these days. At one time, the financial unit in high school family and consumer sciences (FCS) classes was as simple as looking at budgets and doing checkbook exercises. However, after students at Meeker High School in Meeker, Colorado began to ask more in-depth questions and realized that…

  20. 36 CFR § 1207.20 - Standards for financial management systems.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... management systems. § 1207.20 Section § 1207.20 Parks, Forests, and Public Property NATIONAL ARCHIVES AND... Standards for financial management systems. (a) A State must expand and account for grant funds in... financial management systems of other grantees and subgrantees must meet the following standards: (1...

  1. 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

  2. FINANCIAL LITERACY, FINANCIAL EDUCATION AND ECONOMIC OUTCOMES.

    PubMed

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

    2013-05-01

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

  3. Financial burden of household out-of pocket health expenditure in Viet Nam: findings from the National Living Standard Survey 2002-2010.

    PubMed

    Van Minh, Hoang; Kim Phuong, Nguyen Thi; Saksena, Priyanka; James, Chris D; Xu, Ke

    2013-11-01

    In Viet Nam, household direct out-of-pocket (OOP) health expenditure as a share of the total health expenditure has been always high, ranging from 50% to 70%. The high share of OOP expenditure has been linked to different inequity problems such as catastrophic health expenditure (households must reduce their expenditure on other necessities) and impoverishment. This paper aims to examine catastrophic and poverty impacts of household out-of-pocket health expenditure in Viet Nam over time and identify socio-economic indicators associated with them. Data used in this research were obtained from a nationally representative household survey, Viet Nam Living Standard Survey 2002, 2004, 2006, 2008 and 2010. The findings revealed that there were problems in health care financing in Viet Nam - many households encountered catastrophic health expenditure and/or were pushed into poverty due to health care payments. The issues were pervasive over time. Catastrophic expenditure and impoverishment problems were more common among the households who had more elderly people and those located in rural areas. Importantly, the financial protection aspect of the national health insurance schemes was still modest. Given these findings, more attention is needed on developing methods of financial protection in Viet Nam. Copyright © 2012 Elsevier Ltd. All rights reserved.

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

    PubMed

    Sharp, Linda; Timmons, Aileen

    2016-02-01

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

  5. 45 CFR 618.430 - Financial assistance.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION... or assist in the administration of scholarships, fellowships, or other forms of financial assistance... therein; Provided, that the overall effect of the award of such sex-restricted scholarships, fellowships...

  6. 45 CFR 618.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION... or assist in the administration of scholarships, fellowships, or other forms of financial assistance... therein; Provided, that the overall effect of the award of such sex-restricted scholarships, fellowships...

  7. 45 CFR 618.430 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION... or assist in the administration of scholarships, fellowships, or other forms of financial assistance... therein; Provided, that the overall effect of the award of such sex-restricted scholarships, fellowships...

  8. 45 CFR 618.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION... or assist in the administration of scholarships, fellowships, or other forms of financial assistance... therein; Provided, that the overall effect of the award of such sex-restricted scholarships, fellowships...

  9. 50 CFR 600.235 - Financial disclosure.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ....235 Wildlife and Fisheries FISHERY CONSERVATION AND MANAGEMENT, NATIONAL OCEANIC AND ATMOSPHERIC.... Council decision means approval of a fishery management plan (FMP) or FMP amendment (including any.... Financial interest in harvesting, processing, or marketing (1) includes: (i) Stock, equity, or other...

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

    ERIC Educational Resources Information Center

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

    2007-01-01

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

  11. Financial burden of medical care: a family perspective.

    PubMed

    Cohen, Robin A; Kirzinger, Whitney K

    2014-01-01

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

  12. Financial Performance of Rural Medicare ACOs.

    PubMed

    Nattinger, Matthew C; Mueller, Keith; Ullrich, Fred; Zhu, Xi

    2018-12-01

    The Centers for Medicare & Medicaid Services (CMS) has facilitated the development of Medicare accountable care organizations (ACOs), mostly through the Medicare Shared Savings Program (MSSP). To inform the operation of the Center for Medicare & Medicaid Innovation's (CMMI) ACO programs, we assess the financial performance of rural ACOs based on different levels of rural presence. We used the 2014 performance data for Medicare ACOs to examine the financial performance of rural ACOs with different levels of rural presence: exclusively rural, mostly rural, and mixed rural/metropolitan. Of the ACOs reporting performance data, we identified 97 ACOs with a measurable rural presence. We found that successful rural ACO financial performance is associated with the ACO's organizational type (eg, physician-based) and that 8 of the 11 rural ACOs participating in the Advanced Payment Program (APP) garnered savings for Medicare. Unlike previous work, we did not find an association between ACO size or experience and rural ACO financial performance. Our findings suggest that rural ACO financial success is likely associated with factors unique to rural environments. Given the emphasis CMS has placed on rural ACO development, further research to identify these factors is warranted. © 2016 National Rural Health Association.

  13. Integrating Financial Education into School Curricula: Giving America's Youth the Educational Foundation for Making Effective Financial Decisions throughout Their Lives by Teaching Financial Concepts as Part of Math and Reading Curricula in Elementary, Middle, and High Schools. A White Paper.

    ERIC Educational Resources Information Center

    Office of Financial Education (Dept. of Treasury), Washington, DC.

    This report presents a distinguished panel's findings on financial education in the U.S. In May 2002, the Secretaries of the Departments of Treasury and Education invited representatives from national youth education groups to consider the opportunities and challenges that arise when financial education is integrated into core curricula.…

  14. Australian baby boomers talk about the global financial crisis.

    PubMed

    Humpel, Nancy; O'Loughlin, Kate; Snoke, Martin; Kendig, Hal

    2010-09-01

    The aim of this qualitative study was to explore baby boomers' views and plans in the early days of the global financial crisis (GFC) in 2008. Informants from National Seniors Australia were interviewed in 15 focus groups conducted nationally. Transcripts were analysed by themes from semi-structured questions. The GFC was found to shake the confidence and plans of boomers. Many workers decided to delay retirement and save longer following losses in superannuation. Those retired on market-linked superannuation felt forced to reduce expenses and restrain lifestyles. Those on full pensions were relatively unaffected. The GFC called into question boomers' expectations for retirement. While financial markets are showing signs of recovery, the GFC had precipitated a decision to work longer and to draw conservatively on retirement savings that may take many years to recover. The volatility of financial and employment markets underscores the value of the Age pension.

  15. Financial Literacy of 15-Year-Olds: Results from PISA 2015. Data Point. NCES 2017-086

    ERIC Educational Resources Information Center

    Gonzales, Patrick; Sen, Anindita

    2017-01-01

    On May 24, the National Center for Education Statistics released Financial Literacy of 15-year-olds: Results from PISA 2015. The PISA assessment of financial literacy measured students' knowledge and understanding of fundamental elements of the financial world, including financial concepts, products, and risks, and their ability to apply what they…

  16. Accumulated financial strain and women's health over three decades.

    PubMed

    Shippee, Tetyana Pylypiv; Wilkinson, Lindsay R; Ferraro, Kenneth F

    2012-09-01

    Drawing from cumulative inequality theory, this research examines how accumulated financial strain affects women's self-rated health in middle and later life. Using data from the National Longitudinal Survey of Mature Women (1967-2003), we employ random-coefficient growth curve models to examine whether recurring financial strain influences women's health, above and beyond several measures of objective social status. Predicted probabilities of poor health were estimated by the frequency of financial strain. Financial strain is associated with rapid declines in women's health during middle and later life, especially for those women who reported recurrent strain. Changes in household income and household wealth were also associated with women's health but did not eliminate the effects due to accumulated financial strain. Accumulated financial strain has long-term effects on women's health during middle and later life. The findings demonstrate the importance of measuring life course exposure to stressors in studies of health trajectories.

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

    ERIC Educational Resources Information Center

    Knight, Mary Beth

    2010-01-01

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

  18. Financial results of ponderosa pine forest restoration in southwestern Colorado

    Treesearch

    Dennis L. Lynch

    2001-01-01

    From 1996 to 1998, the Ponderosa Pine Partnership conducted an experimental forest restoration project on 493 acres of small diameter ponderosa pine in the San Juan National Forest, Montezuma County, Colorado. The ecological basis and the financial analysis for this project are discussed. Specific financial results of the project including products sold, revenues...

  19. Is It Time for Social Studies to Be Financially Fit?

    ERIC Educational Resources Information Center

    Schug, Mark C.; Clow, John

    2002-01-01

    Recent national survey results underscore the importance of economic and financial education: It appears that many Americans are making poor financial choices in such basic areas as saving for long-term goals and managing personal credit. Social studies teachers need to reexamine the contribution that the social studies curriculum can make in…

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

    PubMed

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

    2009-04-01

    Physician use of clinical information technology (CIT) is important for the management of chronic illness, but has lagged behind expectations. We studied the role of health insurers' financial incentives (including pay-for-performance) and quality improvement initiatives in accelerating adoption of CIT in large physician practices. National survey of all medical groups and independent practice association (IPA) physician organizations with 20 or more physicians in the United States in 2006 to 2007. The response rate was 60.3%. Use of 19 CIT capabilities was measured. Multivariate statistical analysis of financial and organizational factors associated with adoption and use of CIT. Use of information technology varied across physician organizations, including electronic access to laboratory test results (medical groups, 49.3%; IPAs, 19.6%), alerts for potential drug interactions (medical groups, 33.9%; IPAs, 9.5%), electronic drug prescribing (medical groups, 41.9%; IPAs, 25.1%), and physician use of e-mail with patients (medical groups, 34.2%; IPAs, 29.1%). Adoption of CIT was stronger for physician organizations evaluated by external entities for pay-for-performance and public reporting purposes (P = 0.042) and for those participating in quality improvement initiatives (P < 0.001). External incentives and participation in quality improvement initiatives are associated with greater use of CIT by large physician practices.

  1. 32 CFR 37.620 - What financial management standards do I include for nonprofit participants?

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false What financial management standards do I include... financial management standards do I include for nonprofit participants? So as not to force system changes..., your expenditure-based TIA's requirements for the financial management system of any nonprofit...

  2. 36 CFR 1211.430 - Financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 36 Parks, Forests, and Public Property 3 2014-07-01 2014-07-01 false Financial assistance. 1211.430 Section 1211.430 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS ADMINISTRATION...) Through solicitation, listing, approval, provision of facilities, or other services, assist any foundation...

  3. 36 CFR 1211.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 36 Parks, Forests, and Public Property 3 2011-07-01 2011-07-01 false Financial assistance. 1211.430 Section 1211.430 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS ADMINISTRATION...) Through solicitation, listing, approval, provision of facilities, or other services, assist any foundation...

  4. 36 CFR 1211.430 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 36 Parks, Forests, and Public Property 3 2012-07-01 2012-07-01 false Financial assistance. 1211.430 Section 1211.430 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS ADMINISTRATION...) Through solicitation, listing, approval, provision of facilities, or other services, assist any foundation...

  5. Clearing the Path: Delivering Financial Aid to Community College Students

    ERIC Educational Resources Information Center

    Frick Cardelle, Rachel A.

    2013-01-01

    Low- and middle-income students at public, two-year institutions too often do not apply for college financial aid (Advisory Committee on Student Financial Assistance, 2008; Kantrowitz, 2009a, 2011). This research first examines national data to identify what the risk factors are for not applying and compares those risk factors for students at…

  6. Financial Management Regulation. Volume 1. General Financial Management Information, Systems, and Requirements

    DTIC Science & Technology

    1993-05-01

    20301-1100 DoD Components will be provided copies of this Volume of the Regulation through normal publication channels. Other Federal Agencies and the... public may obtain copies of this Volume from the National Technical Information Service, 5285 Port Royal Road, Springfield, VA 22161, (703) 487- 4650...SECTION 1 PARAGRAPH 1 SUtHI’ARAGRAIlTS ii DoD Financial Management Regulation Volume 1, Introductionp PUBLICATIONS SUPERSEDED This Volume of the

  7. 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…

  8. 75 FR 54225 - Comment Request for the Financial Literacy and Education Commission on the Draft National...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-03

    ... DEPARTMENT OF THE TREASURY Comment Request for the Financial Literacy and Education Commission on... Literacy and Education Commission (Commission) through passage of the Financial Literacy and Education... Treasury's Office of Financial Education to lend its expertise and provide primary support to the...

  9. Satellite instrument provides nighttime sensing capability

    NASA Astrophysics Data System (ADS)

    Showstack, Randy

    2012-12-01

    "This is not your father's low-light sensor," Steve Miller, senior research scientist and deputy director of the Cooperative Institute for Research in the Atmosphere at Colorado State University, Fort Collins, said at a 5 December news briefing at the AGU Fall Meeting. He and others at the briefing were showing off the nighttime sensing capability of the day/night band of the Visible Infrared Imaging Radiometer Suite (VIIRS) of instruments onboard the Suomi National Polar-orbiting Partnership (NPP) Earth-observing research satellite, a joint NASA and National Oceanic and Atmospheric Administration (NOAA) satellite that was launched on 28 October 2011. Noting that low-light satellite technology has been available for about 40 years, Miller said that the VIIRS day/night band "is truly a paradigm shift in the technology and capability."

  10. Financial return-on-investment of ophthalmic interventions: a new paradigm.

    PubMed

    Brown, Melissa M; Brown, Gary C; Lieske, Heidi B; Lieske, P Alexander

    2014-05-01

    Although the patient value gain (improvement in quality-of-life and/or length-of-life) has been highlighted in Value-based Medicine cost-utility analyses, the financial value gain associated with healthcare interventions has received less emphasis. It is important for professional healthcare providers to realize their interventions often confer a large financial return-on-investment (ROI) to society. The societal costs associated with vitreoretinal and other ophthalmic interventions include: direct ophthalmic medical costs expended (hospital, physician, drug, diagnostic testing and so forth), direct medical costs saved (decreased costs for depression, injury, skilled nursing facility, nursing home and others), direct nonmedical costs saved (decreased costs for caregivers, transportation, residence costs, moving costs, and others), and indirect medical costs saved (improving employment incidence and wages). The financial ROI for direct ophthalmic medical costs expended for ranibizumab therapy for neovascular age-related macular degeneration is 450%, whereas that for cataract surgery is 4500% and for medical open-angle glaucoma therapy is 4000%. Many costs gained add to the Gross Domestic Product and increase the wealth of the nation. Many vitreoretinal and other ophthalmologic interventions confer considerable patient value, but also result in a large financial ROI to society. This financial ROI increases the wealth of the nation.

  11. A Financial Ratio Analysis of For-Profit and Non-Profit Rural Referral Centers

    ERIC Educational Resources Information Center

    McCue, Michael J.; Nayar, Preethy

    2009-01-01

    Context: National financial data show that rural referral center (RRC) hospitals have performed well financially. RRC hospitals' median cash flow margin ratio was 10.04% in 2002 and grew to 11.04% in 2004. Purpose: The aim of this study is to compare the ratio analysis of key operational and financial performance measures of for-profit RRCs to…

  12. 7 CFR 3052.310 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... organizational unit and fiscal year that is chosen to meet the requirements of this part. However, organization-wide financial statements may also include departments, agencies, and other organizational units that... within the Federal agency. For example, the National Institutes of Health is a major subdivision in the...

  13. 29 CFR 99.310 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... organizational unit and fiscal year that is chosen to meet the requirements of this part. However, organization-wide financial statements may also include departments, agencies, and other organizational units that... within the Federal agency. For example, the National Institutes of Health is a major subdivision in the...

  14. 38 CFR 41.310 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... year audited. The financial statements shall be for the same organizational unit and fiscal year that... also include departments, agencies, and other organizational units that have separate audits in.... For example, the National Institutes of Health is a major subdivision in the Department of Health and...

  15. 38 CFR 41.310 - Financial statements.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... year audited. The financial statements shall be for the same organizational unit and fiscal year that... also include departments, agencies, and other organizational units that have separate audits in.... For example, the National Institutes of Health is a major subdivision in the Department of Health and...

  16. 7 CFR 3052.310 - Financial statements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... organizational unit and fiscal year that is chosen to meet the requirements of this part. However, organization-wide financial statements may also include departments, agencies, and other organizational units that... within the Federal agency. For example, the National Institutes of Health is a major subdivision in the...

  17. 29 CFR 99.310 - Financial statements.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... organizational unit and fiscal year that is chosen to meet the requirements of this part. However, organization-wide financial statements may also include departments, agencies, and other organizational units that... within the Federal agency. For example, the National Institutes of Health is a major subdivision in the...

  18. 14 CFR 1240.113 - Financial accounting.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 14 Aeronautics and Space 5 2013-01-01 2013-01-01 false Financial accounting. 1240.113 Section 1240.113 Aeronautics and Space NATIONAL AERONAUTICS AND SPACE ADMINISTRATION INVENTIONS AND CONTRIBUTIONS... appropriate database and accounting system(s) to ensure that award payments are recorded and disbursed in an...

  19. 3 CFR 8493 - Proclamation 8493 of April 2, 2010. National Financial Literacy Month, 2010

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... complex. This has left too many Americans behind, unable to build a secure financial future for themselves... never happens again will require new rules to protect consumers and better information to empower them. The new Consumer Financial Protection Agency I have proposed will ensure ordinary Americans get clear...

  20. Quantifying the Financial Benefits of Multifamily Retrofits

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Philbrick, D.; Scheu, R.; Brand, L.

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

  1. 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…

  2. Financial satisfaction and financial stressors in marital satisfaction.

    PubMed

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

    2011-04-01

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

  3. A Person-Centered Approach to Financial Capacity Assessment: Preliminary Development of a New Rating Scale.

    PubMed

    Lichtenberg, Peter A; Stoltman, Jonathan; Ficker, Lisa J; Iris, Madelyn; Mast, Benjamin

    2015-01-01

    Financial exploitation and financial capacity issues often overlap when a gerontologist assesses whether an older adult's financial decision is an autonomous, capable choice. Our goal is to describe a new conceptual model for assessing financial decisions using principles of person-centered approaches and to introduce a new instrument, the Lichtenberg Financial Decision Rating Scale (LFDRS). We created a conceptual model, convened meetings of experts from various disciplines to critique the model and provide input on content and structure, and select final items. We then videotaped administration of the LFDRS to five older adults and had 10 experts provide independent ratings. The LFDRS demonstrated good to excellent inter-rater agreement. The LFDRS is a new tool that allows gerontologists to systematically gather information about a specific financial decision and the decisional abilities in question.

  4. 76 FR 5161 - Determination Regarding National Appraisal Complaint Hotline

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-01-28

    ... FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL [Docket No. AS11-03] Determination Regarding National Appraisal Complaint Hotline AGENCY: Appraisal Subcommittee (ASC) of the Federal Financial Institutions Examination Council. ACTION: Determination by the ASC regarding a national appraisal complaint...

  5. Building a Capabilities Network to Improve Disaster Preparation Effort in the Pacific Command Area of Responsibility

    DTIC Science & Technology

    2013-06-01

    efforts, identification of the organizations that are available and the capabilities that they can provide is essential. This research identifies and...military. We also analyzed the financial status of the NGOs for a better understanding. The end result of the research is to provide PACOM...are available and the capabilities that they can provide is essential. This research identifies and analyzes 27 nongovernmental organizations (NGOs

  6. Requirements of Clinical Journals for Authors’ Disclosure of Financial and Non-Financial Conflicts of Interest: A Cross Sectional Study

    PubMed Central

    Shawwa, Khaled; Kallas, Romy; Koujanian, Serge; Agarwal, Arnav; Neumann, Ignacio; Alexander, Paul; Tikkinen, Kari A. O.; Guyatt, Gordon; Akl, Elie A.

    2016-01-01

    Importance It is unclear how medical journals address authors’ financial and non-financial conflict of interest (COI). Objective To assess the policies of clinical journals for disclosure of financial and non-financial COI. Methods Cross sectional study that included both review of public documents as well as a simulation of a manuscript submission for the National Library of Medicine’s “core clinical journals”. The study did not involve human subjects. Investigators who abstracted the data, reviewed “instructions for authors” on the journal website and, in order to reflect the actual implementation of the COI disclosure policy, simulated the submission of a manuscript. Two individuals working in duplicate and independently to abstract information using a standardized data abstraction form, resolved disagreements by discussion or with the help of a third person. Results All but one of 117 core clinical journals had a COI policy. All journals required disclosure of financial COI pertaining to the authors and a minority (35%) asked for financial COI disclosure pertaining to the family members or authors' institution (29%). Over half required the disclosure of at least one form of non-financial COI (57%), out of which only two (3%) specifically referred to intellectual COI. Small minorities of journals (17% and 24% respectively) described a potential impact of disclosed COI and of non-disclosure of COI on the editorial process. Conclusion While financial COI disclosure was well defined by the majority of the journals, many did not have clear policies on disclosure of non-financial COI, disclosure of financial COI of family members and institutions of the authors, and effect of disclosed COI or non-disclosure of COI on editorial policies. PMID:27030966

  7. Requirements of Clinical Journals for Authors' Disclosure of Financial and Non-Financial Conflicts of Interest: A Cross Sectional Study.

    PubMed

    Shawwa, Khaled; Kallas, Romy; Koujanian, Serge; Agarwal, Arnav; Neumann, Ignacio; Alexander, Paul; Tikkinen, Kari A O; Guyatt, Gordon; Akl, Elie A

    2016-01-01

    It is unclear how medical journals address authors' financial and non-financial conflict of interest (COI). To assess the policies of clinical journals for disclosure of financial and non-financial COI. Cross sectional study that included both review of public documents as well as a simulation of a manuscript submission for the National Library of Medicine's "core clinical journals". The study did not involve human subjects. Investigators who abstracted the data, reviewed "instructions for authors" on the journal website and, in order to reflect the actual implementation of the COI disclosure policy, simulated the submission of a manuscript. Two individuals working in duplicate and independently to abstract information using a standardized data abstraction form, resolved disagreements by discussion or with the help of a third person. All but one of 117 core clinical journals had a COI policy. All journals required disclosure of financial COI pertaining to the authors and a minority (35%) asked for financial COI disclosure pertaining to the family members or authors' institution (29%). Over half required the disclosure of at least one form of non-financial COI (57%), out of which only two (3%) specifically referred to intellectual COI. Small minorities of journals (17% and 24% respectively) described a potential impact of disclosed COI and of non-disclosure of COI on the editorial process. While financial COI disclosure was well defined by the majority of the journals, many did not have clear policies on disclosure of non-financial COI, disclosure of financial COI of family members and institutions of the authors, and effect of disclosed COI or non-disclosure of COI on editorial policies.

  8. Brazilian exchange rate complexity: Financial crisis effects

    NASA Astrophysics Data System (ADS)

    Piqueira, José Roberto C.; Mortoza, Letícia Pelluci D.

    2012-04-01

    With the financial market globalization, foreign investments became vital for the economies, mainly in emerging countries. In the last decades, Brazilian exchange rates appeared as a good indicator to measure either investors' confidence or risk aversion. Here, some events of global or national financial crisis are analyzed, trying to understand how they influenced the "dollar-real" rate evolution. The theoretical tool to be used is the López-Mancini-Calbet (LMC) complexity measure that, applied to real exchange rate data, has shown good fitness between critical events and measured patterns.

  9. A comparative financial analysis of multi-institutional organizations by ownership type.

    PubMed

    Coyne, J S

    1985-01-01

    Concern about future directions in healthcare exists, with corporate consolidation seen as likely and necessary. To understand this transformation, the author examines the financial growth trends among the nation's leading corporate providers. Investor-owned (IO) and not-for-profit (NFP) firms are compared using audited data on four financial accounts (assets, debt, equity and income) and three financial ratios (liquidity, leverage, and profitability). The author analyzes financial trends from 1978 to 1982 and looks beyond the significant differences in the balance sheet and income statement accounts to a significant similarity in ratio trends between the NFP and the IO firms' financial conditions. The implications of these findings are discussed in terms of future forms of corporate providers.

  10. Ethical, financial, and legal considerations to implementing emergency department HIV screening: a report from the 2007 conference of the National Emergency Department HIV Testing Consortium.

    PubMed

    Waxman, Michael J; Popick, Rachel S; Merchant, Roland C; Rothman, Richard E; Shahan, Judy B; Almond, Gregory

    2011-07-01

    We seek to identify and analyze, from a group of participants experienced with HIV screening, the perceived challenges and solutions to the ethical, financial, and legal considerations of emergency department (ED)-based HIV screening. We performed a qualitative analysis of the focus group discussions from the ethical, financial, and legal considerations portion of the inaugural National Emergency Department HIV Testing Consortium conference. Four groups composed of 20 to 25 consortium participants engaged in semistructured, facilitated focus group discussions. The focus group discussions were audiotaped and transcribed. A primary reader identified major themes and subthemes and representative quotes from the transcripts and summarized the discussions. Secondary and tertiary readers reviewed the themes, subthemes, and summaries for accuracy. The focus group discussions centered on the following themes. Ethical considerations included appropriateness of HIV screening in the ED and ethics of key elements of the 2006 Centers for Disease Control and Prevention HIV testing recommendations. Financial considerations included models of payment and support, role of health care insurance, financial ethics and downstream financial burdens, and advocacy approaches. Legal considerations included the adequacy of obtaining consent, partner notification, disclosure of HIV results, difficulties in addressing special populations, failure of not performing universal screening, failure to notify a person of being tested, failure to notify someone of their test results, liability of inaccurate tests, and failure to link to care. This qualitative analysis provides a broadly useful foundation to the ethical, financial, and legal considerations of implementing HIV screening programs in EDs throughout the United States. Copyright © 2011. Published by Mosby, Inc.

  11. 7 CFR 3402.9 - Financial provisions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... AGRICULTURE FOOD AND AGRICULTURAL SCIENCES NATIONAL NEEDS GRADUATE AND POSTGRADUATE FELLOWSHIP GRANTS PROGRAM Program Description § 3402.9 Financial provisions. An institution may elect to apply the cost-of-education... institution elects to use its cost-of-education institutional allowance for this purpose or elects to pay such...

  12. Conceptual model and map of financial exploitation of older adults.

    PubMed

    Conrad, Kendon J; Iris, Madelyn; Ridings, John W; Fairman, Kimberly P; Rosen, Abby; Wilber, Kathleen H

    2011-10-01

    This article describes the processes and outcomes of three-dimensional concept mapping to conceptualize financial exploitation of older adults. Statements were generated from a literature review and by local and national panels consisting of 16 experts in the field of financial exploitation. These statements were sorted and rated using Concept Systems software, which grouped the statements into clusters and depicted them as a map. Statements were grouped into six clusters, and ranked by the experts as follows in descending severity: (a) theft and scams, (b) financial victimization, (c) financial entitlement, (d) coercion, (e) signs of possible financial exploitation, and (f) money management difficulties. The hierarchical model can be used to identify elder financial exploitation and differentiate it from related but distinct areas of victimization. The severity hierarchy may be used to develop measures that will enable more precise screening for triage of clients into appropriate interventions.

  13. 76 FR 66344 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-10-26

    ...-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving Proposed Rule Change... 31, 2011, Financial Industry Regulatory Authority, Inc. (``FINRA'') (f/k/a National Association of... consolidation process, see Information Notice, March 12, 2008 (Rulebook Consolidation Process). For convenience...

  14. Financial coping strategies of mental health consumers: managing social benefits.

    PubMed

    Caplan, Mary Ager

    2014-05-01

    Mental health consumers depend on social benefits in the forms of supplemental security income and social security disability insurance for their livelihood. Although these programs pay meager benefits, little research has been undertaken into how this population makes ends meet. Using a qualitative approach, this study asks what are the financial coping strategies of mental health consumers? Seven approaches were identified: subsidies, cost-effective shopping, budgeting, prioritizing, technology, debt management, and saving money. Results illustrate the resourcefulness of mental health consumers in managing meager social benefits and highlight the need to strengthen community mental health efforts with financial capabilities education.

  15. 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,"…

  16. Complementary cognitive capabilities, economic decision making, and aging.

    PubMed

    Li, Ye; Baldassi, Martine; Johnson, Eric J; Weber, Elke U

    2013-09-01

    Fluid intelligence decreases with age, yet evidence about age declines in decision-making quality is mixed: Depending on the study, older adults make worse, equally good, or even better decisions than younger adults. We propose a potential explanation for this puzzle, namely that age differences in decision performance result from the interplay between two sets of cognitive capabilities that impact decision making, one in which older adults fare worse (i.e., fluid intelligence) and one in which they fare better (i.e., crystallized intelligence). Specifically, we hypothesized that older adults' higher levels of crystallized intelligence can provide an alternate pathway to good decisions when the fluid intelligence pathway declines. The performance of older adults relative to younger adults therefore depends on the relative importance of each type of intelligence for the decision at hand. We tested this complementary capabilities hypothesis in a broad sample of younger and older adults, collecting a battery of standard cognitive measures and measures of economically important decision-making "traits"--including temporal discounting, loss aversion, financial literacy, and debt literacy. We found that older participants performed as well as or better than younger participants on these four decision-making measures. Structural equation modeling verified our hypothesis: Older participants' greater crystallized intelligence offset their lower levels of fluid intelligence for temporal discounting, financial literacy, and debt literacy, but not for loss aversion. These results have important implications for public policy and for the design of effective decision environments for older adults.

  17. 48 CFR 1845.7209-4 - Financial reports.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Financial reports. 1845.7209-4 Section 1845.7209-4 Federal Acquisition Regulations System NATIONAL AERONAUTICS AND SPACE... for all assigned contracts. Reports shall be accumulated, reviewed and distributed as required...

  18. 45 CFR 1170.46 - Financial and employment assistance to students.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 3 2010-10-01 2010-10-01 false Financial and employment assistance to students. 1170.46 Section 1170.46 Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL FOUNDATION ON THE ARTS AND THE HUMANITIES NATIONAL ENDOWMENT FOR THE HUMANITIES NONDISCRIMINATION ON THE...

  19. 45 CFR 1170.46 - Financial and employment assistance to students.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 45 Public Welfare 3 2011-10-01 2011-10-01 false Financial and employment assistance to students. 1170.46 Section 1170.46 Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL FOUNDATION ON THE ARTS AND THE HUMANITIES NATIONAL ENDOWMENT FOR THE HUMANITIES NONDISCRIMINATION ON THE...

  20. A Person-Centered Approach to Financial Capacity Assessment: Preliminary Development of a New Rating Scale

    PubMed Central

    Lichtenberg, Peter A.; Stoltman, Jonathan; Ficker, Lisa J.; Iris, Madelyn; Mast, Benjamin

    2014-01-01

    Financial exploitation and financial capacity issues often overlap when a gerontologist assesses whether an older adult’s financial decision is an autonomous, capable choice. Our goal is to describe a new conceptual model for assessing financial decisions using principles of person-centered approaches and to introduce a new instrument, the Lichtenberg Financial Decision Rating Scale (LFDRS). We created a conceptual model, convened meetings of experts from various disciplines to critique the model and provide input on content and structure, and select final items. We then videotaped administration of the LFDRS to five older adults and had 10 experts provide independent ratings. The LFDRS demonstrated good to excellent inter-rater agreement. The LFDRS is a new tool that allows gerontologists to systematically gather information about a specific financial decision and the decisional abilities in question. PMID:25866438

  1. 77 FR 74825 - Information Collection: Federal and Non-Federal Financial Assistant Instruments

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-18

    ... recipient's accounting system and financial management capabilities. In addition to FFA, Congress created... addressed to Clark Woolley, USDA Forest Service, Director of Acquisitions Management, 1400 Independence Ave... INFORMATION CONTACT: Clark Woolley, Acquisitions Management, 703-605-4654. Individuals who use...

  2. Financial worry among older people: who worries and why?

    PubMed

    Litwin, Howard; Meir, Adi

    2013-04-01

    This study sought to clarify what drives economic worries among older people. Based upon the data from a national sample of adults aged 65 and older in Israel (N=550), we examined associations between financial worry and economic status, lifestyle, social network, concerns about functional health, long term care needs and cognition, and population group. The main financial worry was that pension funds will not suffice for one's entire life. Multivariate analysis revealed that financial worry was negatively related to perceived income adequacy and age, and positively related to concerns about care and to apprehensions regarding one's ability to make decisions. Immigrants from the former Soviet Union were found to worry less. Understanding the different sources of financial worries among older people is essential insofar as older people are increasingly expected to take personal responsibility for their financial futures. Dealing with negative outcomes that stem from financial worries are important programming and policy goals in an era of population aging. Copyright © 2012 Elsevier Inc. All rights reserved.

  3. Financial Aid Policy: Lessons from Research. NBER Working Paper No. 18710

    ERIC Educational Resources Information Center

    Dynarski, Susan; Scott-Clayton, Judith

    2013-01-01

    In the nearly fifty years since the adoption of the Higher Education Act of 1965, financial aid programs have grown in scale, expanded in scope, and multiplied in form. As a result, financial aid has become the norm among college enrollees. The increasing size and complexity of the nation's student aid system has generated questions about…

  4. Building Airport Surface HITL Simulation Capability

    NASA Technical Reports Server (NTRS)

    Chinn, Fay Cherie

    2016-01-01

    FutureFlight Central is a high fidelity, real-time simulator designed to study surface operations and automation. As an air traffic control tower simulator, FFC allows stakeholders such as the FAA, controllers, pilots, airports, and airlines to develop and test advanced surface and terminal area concepts and automation including NextGen and beyond automation concepts and tools. These technologies will improve the safety, capacity and environmental issues facing the National Airspace system. FFC also has extensive video streaming capabilities, which combined with the 3-D database capability makes the facility ideal for any research needing an immersive virtual and or video environment. FutureFlight Central allows human in the loop testing which accommodates human interactions and errors giving a more complete picture than fast time simulations. This presentation describes FFCs capabilities and the components necessary to build an airport surface human in the loop simulation capability.

  5. Space Logistics: Launch Capabilities

    NASA Technical Reports Server (NTRS)

    Furnas, Randall B.

    1989-01-01

    The current maximum launch capability for the United States are shown. The predicted Earth-to-orbit requirements for the United States are presented. Contrasting the two indicates the strong National need for a major increase in Earth-to-orbit lift capability. Approximate weights for planned payloads are shown. NASA is studying the following options to meet the need for a new heavy-lift capability by mid to late 1990's: (1) Shuttle-C for near term (include growth versions); and (2) the Advanced Lauching System (ALS) for the long term. The current baseline two-engine Shuttle-C has a 15 x 82 ft payload bay and an expected lift capability of 82,000 lb to Low Earth Orbit. Several options are being considered which have expanded diameter payload bays. A three-engine Shuttle-C with an expected lift of 145,000 lb to LEO is being evaluated as well. The Advanced Launch System (ALS) is a potential joint development between the Air Force and NASA. This program is focused toward long-term launch requirements, specifically beyond the year 2000. The basic approach is to develop a family of vehicles with the same high reliability as the Shuttle system, yet offering a much greater lift capability at a greatly reduced cost (per pound of payload). The ALS unmanned family of vehicles will provide a low end lift capability equivalent to Titan IV, and a high end lift capability greater than the Soviet Energia if requirements for such a high-end vehicle are defined.In conclusion, the planning of the next generation space telescope should not be constrained to the current launch vehicles. New vehicle designs will be driven by the needs of anticipated heavy users.

  6. Developing Soft Power Using Afloat Medical Capability

    DTIC Science & Technology

    2009-03-02

    the National Security Strategy. Depending on its program employment , it has the capability to effectively combine the other elements of national power...Strategy through the employment of combatant commanders’ Theater Security Cooperation (TSC) Program in their area of responsibility. The TSC program is...In the final phases of Pacific campaign during World War II, tactical doctrine for employment of Navy hospital vessels changed, allowing them to

  7. Alternative financial institutions? Sustainability, development, social reproduction, and gender analysis.

    PubMed

    Kidder, T

    1999-08-01

    This paper proposes a conceptual framework for alternative financial institutions in Nicaragua. The article includes a discussion on innovative services and policies, which differentiate CARUNA (National Savings and Credit Cooperative ¿Caja Rural¿), and other financial institutions from conventional banks. It further examines theories that have altered the way development practitioners think about the economy, poverty reduction, and the positions of men and women in the society. These theories are the feminist economic theory and alternative development theories. Specific ways to incorporate the concepts of alternative and feminist economic theories in the design of financial institutions include open credit, savings, and remittance mechanisms, and coordinating councils. The gender analysis approach was used to evaluate the design of financial institutions.

  8. Financial challenges of immunization: a look at GAVI.

    PubMed Central

    Kaddar, Miloud; Lydon, Patrick; Levine, Ruth

    2004-01-01

    Securing reliable and adequate public funding for prevention services, even those that are considered highly cost effective, often presents a challenge. This has certainly been the case with childhood immunizations in developing countries. Although the traditional childhood vaccines cost relatively little, funding in poor countries is often at risk and subject to the political whims of donors and national governments. With the introduction of newer and more costly vaccines made possible under the Global Alliance for Vaccines and Immunization (GAVI), the future financial challenges have become even greater. Experience so far suggests that choosing to introduce new combination vaccines can significantly increase the costs of national immunization programmes. With this experience comes a growing concern about their affordability in the medium term and long term and a realization that, for many countries, shared financial responsibility between national governments and international donors may initially be required. This article focuses on how GAVI is addressing the challenge of sustaining adequate and reliable funding for immunizations in the poorest countries. PMID:15628208

  9. Predicting Financial Distress and Closure in Rural Hospitals.

    PubMed

    Holmes, George M; Kaufman, Brystana G; Pink, George H

    2017-06-01

    Annual rates of rural hospital closure have been increasing since 2010, and hospitals that close have poor financial performance relative to those that remain open. This study develops and validates a latent index of financial distress to forecast the probability of financial distress and closure within 2 years for rural hospitals. Hospital and community characteristics are used to predict the risk of financial distress 2 years in the future. Financial and community data were drawn for 2,466 rural hospitals from 2000 through 2013. We tested and validated a model predicting a latent index of financial distress (FDI), measured by unprofitability, equity decline, insolvency, and closure. Using the predicted FDI score, hospitals are assigned to high, medium-high, medium-low, and low risk of financial distress for use by practitioners. The FDI forecasts 8.01% of rural hospitals to be at high risk of financial distress in 2015, 16.3% as mid-high, 46.8% as mid-low, and 28.9% as low risk. The rate of closure for hospitals in the high-risk category is 4 times the rate in the mid-high category and 28 times that in the mid-low category. The ability of the FDI to discriminate hospitals experiencing financial distress is supported by a c-statistic of .74 in a validation sample. This methodology offers improved specificity and predictive power relative to existing measures of financial distress applied to rural hospitals. This risk assessment tool may inform programs at the federal, state, and local levels that provide funding or support to rural hospitals. © 2016 National Rural Health Association.

  10. National transit summaries and trends for the 1995 National Transit Database report year

    DOT National Transportation Integrated Search

    1996-12-01

    The 1995 National Transit Summaries and Trends (NTST) provides an overview of the national mass transit industry. The NTST highlights the aggregate financial and operational characteristics and trends of mass transit for the 5-year period 1991-1995. ...

  11. Financial fraud and health: the case of Spain.

    PubMed

    Zunzunegui, Maria Victoria; Belanger, Emmanuelle; Benmarhnia, Tarik; Gobbo, Milena; Otero, Angel; Béland, François; Zunzunegui, Fernando; Ribera-Casado, Jose Manuel

    To examine whether financial fraud is associated with poor health sleeping problems and poor quality of life. Pilot study (n=188) conducted in 2015-2016 in Madrid and León (Spain) by recruiting subjects affected by two types of fraud (preferred shares and foreign currency mortgages) using venue-based sampling. Information on the monetary value of each case of fraud; the dates when subjects became aware of being swindled, lodged legal claim and received financial compensation were collected. Inter-group comparisons of the prevalence of poor physical and mental health, sleep and quality of life were carried according to type of fraud and the 2011-2012 National Health Survey. In this conventional sample, victims of financial fraud had poorer health, more mental health and sleeping problems, and poorer quality of life than comparable populations of a similar age. Those who had received financial compensation for preferred share losses had better health and quality of life than those who had not been compensated and those who had taken out foreign currency mortgages. The results suggest that financial fraud is detrimental to health. Further research should examine the mechanisms through which financial fraud impacts health. If our results are confirmed psychological and medical care should be provided, in addition to financial compensation. Copyright © 2017 SESPAS. Publicado por Elsevier España, S.L.U. All rights reserved.

  12. Nuclear Forensics: A Capability at Risk (Abbreviated Version)

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    National Research Council of the National Academies

    Nuclear forensics is important to our national security. Actions, including provision of appropriate funding, are needed now to sustain and improve the nation's nuclear forensics capabilities. The Department of Homeland Security (DHS), working with cooperating agencies and national laboratories, should plan and implement a sustainable, effective nuclear forensics program. Nuclear forensics is the examination and evaluation of discovered or seized nuclear materials and devices or, in cases of nuclear explosions or radiological dispersals, of detonation signals and post-detonation debris. Nuclear forensic evidence helps law enforcement and intelligence agencies work toward preventing, mitigating, and attributing a nuclear or radiological incident. Thismore » report, requested by DHS, the National Nuclear Security Administration, and the Department of Defense, makes recommendations on how to sustain and improve U.S. nuclear forensics capabilities. The United States has developed a nuclear forensics capability that has been demonstrated in real-world incidents of interdicted materials and in exercises of actions required after a nuclear detonation. The committee, however, has concerns about the program and finds that without strong leadership, careful planning, and additional funds, these capabilities will decline. Major areas of concern include: Organization. The responsibility for nuclear forensics is shared by several agencies without central authority and with no consensus on strategic requirements to guide the program. This organizational complexity hampers the program and could prove to be a major hindrance operationally. Sustainability. The nation's current nuclear forensics capabilities are available primarily because the system of laboratories, equipment, and personnel upon which they depend was developed and funded by the nuclear weapons program. However, the weapons program's funds are declining. Workforce and Infrastructure. Personnel skilled in nuclear

  13. 36 CFR § 1211.430 - Financial assistance.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 36 Parks, Forests, and Public Property 3 2013-07-01 2012-07-01 true Financial assistance. § 1211.430 Section § 1211.430 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS...) Through solicitation, listing, approval, provision of facilities, or other services, assist any foundation...

  14. The Ethical Dimensions of Awarding Financial Aid

    ERIC Educational Resources Information Center

    Hillman, Nicholas

    2011-01-01

    In countries charging tuition fees, and those that are considering adopting tuition fee policies, recent economic conditions are making education less affordable and accessible for students. To combat these challenges, nations, state/regional governments, and universities are experimenting with financial aid programmes by providing non-repayable…

  15. 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…

  16. Near-bottom Multibeam Survey Capabilities in the US National Deep Submergence Facility (Invited)

    NASA Astrophysics Data System (ADS)

    Yoerger, D. R.; McCue, S. J.; Jason; Sentry Operations Groups

    2010-12-01

    The US National Deep Submergence Facility (NDSF) provides near-bottom multibeam mapping capabilities from the autonomous underwater vehicle Sentry and the remotely operated vehicle Jason. These vehicles can be used to depths of 4500 and 6500m respectively. Both vehicles are equipped with Reson 7125 400khz multibeam sonars as well as compatible navigation equipment (inertial navigation systems, doppler velocity logs, and acoustic navigation systems). These vehicles have produced maps of rugged Mid-Ocean Ridge terrain in the Galapagos Rift, natural oil and gas seeps off the coast of Southern California, deep coral sites in the Gulf of Mexico, and sites for the Ocean Observing Initiative off the coast of Oregon. Multibeam surveys are conducted from heights between 20 and 80 meters, allowing the scientific user to select the tradeoff between resolution and coverage rate. In addition to conventional bathymetric mapping, the systems have used to image methane bubble plumes from natural seeps. This talk will provide summaries of these mapping efforts and describe the data processing pipeline used to produce maps shortly after each dive. Development efforts to reduce navigational errors and reconcile discrepancies between adjacent swaths will also be described.

  17. National transit summaries and trends for the 1994 National Transit Database report year

    DOT National Transportation Integrated Search

    1996-04-01

    The 1994 National Transit Summaries and Trends (NTST) provides an overview of the national mass transit industry. The NTST highlights the aggregate financial and operational characteristics and trends of mass transit for the 5-year period 1990-1994 a...

  18. 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…

  19. 77 FR 36029 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-15

    ...-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate Effectiveness of Proposed Rule Change To Update Rule Cross-References and Make Non- Substantive Technical..., Financial Industry Regulatory Authority, Inc. (``FINRA'') (f/k/a National Association of Securities Dealers...

  20. 76 FR 60106 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-28

    ...-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate... 14, 2011, Financial Industry Regulatory Authority, Inc. (``FINRA'') (f/k/a National Association of.... For more information about the rulebook consolidation process, see Information Notice, March 12, 2008...

  1. 76 FR 54217 - Membership of the National Oceanic and Atmospheric Administration Performance Review Board

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-31

    ... Koch Director, Office of Education. Maureen E. Wylie Chief Financial Officer, Office of the Chief Financial Officer. Charles S. Baker Deputy Assistant Administrator, NESDIS National Environmental Satellite... Financial Officer National Ocean Service. David Robinson Associate Director for Management Resources...

  2. Financial analysis of pruning ponderosa pine.

    Treesearch

    Roger D. Fight; Natalie A. Bolon; James M. Cahill

    1992-01-01

    A recent lumber recovery study of pruned and unpruned ponderosa pine (Pinus ponderosa Dougl. ex Laws.) was used to project the financial return from pruning ponderosa pine in the Medford District of the Bureau of Land Management and in the Ochoco and Deschutes National Forests. The cost of pruning at which the investment would yield an expected 4-...

  3. National Commission on Student Financial Assistance. Hearing before the Subcommittee on Postsecondary Education of the Committee on Education and Labor. House of Representatives, Ninety-Eighth Congress, First Session.

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. House Committee on Education and Labor.

    Hearings concerning research done for the National Commission on Student Financial Assistance are presented, along with the Commission's recommendations. The recommendations concern modifications of the current law to facilitate greater access for low- and middle-income students and to improve the quality of postsecondary education in the country.…

  4. Financial Relationships With Industry Among National Comprehensive Cancer Network Guideline Authors.

    PubMed

    Mitchell, Aaron P; Basch, Ethan M; Dusetzina, Stacie B

    2016-12-01

    Financial conflicts of interest (FCOIs) among authors of clinical practice guidelines have the potential to influence treatment recommendations. To quantify FCOIs with industry among authors of the National Comprehensive Cancer Network (NCCN) guidelines. We assessed FCOIs occurring during 2014 among NCCN guideline authors in the United States. All were physician members of the NCCN guideline committees for lung, breast, prostate, and colorectal cancer as of the end of 2014. The data source for FCOIs was Open Payments, which is publically reported by the Centers for Medicare and Medicaid Services. This study was cross-sectional. The proportion of NCCN authors having FCOIs with industry; the average amount received from industry sources per author. Of 125 guideline authors, 108 (86%) had at least 1 reported FCOI. Authors received an average of $10 011 (range, $0-$106 859) in general payments (GPs), which include consulting, meals, lodging, and similar transfers of value, and $236 066 (range $0-$2 756 713) in industry research payments (RPs), including funding associated with clinical trials. Approximately 84% of authors received GPs, while 47% received RPs. Eight (6%) had FCOIs in excess of the $50 000 net and/or $20 000 single-company maximums stipulated by NCCN. Among NCCN guideline authors, FCOIs involving RPs were of greater value, while those involving GPs were more prevalent. Although FCOIs may result from engaging in important scholarship, FCOIs may still influence guideline authors in counterproductive ways. Research is needed to understand how best to manage author FCOIs during guideline creation.

  5. 76 FR 59662 - Membership of the National Oceanic and Atmospheric Administration Performance Review Board

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-27

    ... Koch Director, Office of Education, Office of Education. Maureen E. Wylie Chief Financial Officer, Office of the Chief Financial Officer. Charles S. Baker Deputy Assistant Administrator, NESDIS, National.... Cartwright.... Chief Financial Officer, National Ocean Service. David Robinson Associate Director for...

  6. 14 CFR § 1240.113 - Financial accounting.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 14 Aeronautics and Space 5 2014-01-01 2014-01-01 false Financial accounting. § 1240.113 Section § 1240.113 Aeronautics and Space NATIONAL AERONAUTICS AND SPACE ADMINISTRATION INVENTIONS AND... provide for appropriate database and accounting system(s) to ensure that award payments are recorded and...

  7. Characteristics of the transmission of autoregressive sub-patterns in financial time series

    NASA Astrophysics Data System (ADS)

    Gao, Xiangyun; An, Haizhong; Fang, Wei; Huang, Xuan; Li, Huajiao; Zhong, Weiqiong

    2014-09-01

    There are many types of autoregressive patterns in financial time series, and they form a transmission process. Here, we define autoregressive patterns quantitatively through an econometrical regression model. We present a computational algorithm that sets the autoregressive patterns as nodes and transmissions between patterns as edges, and then converts the transmission process of autoregressive patterns in a time series into a network. We utilised daily Shanghai (securities) composite index time series to study the transmission characteristics of autoregressive patterns. We found statistically significant evidence that the financial market is not random and that there are similar characteristics between parts and whole time series. A few types of autoregressive sub-patterns and transmission patterns drive the oscillations of the financial market. A clustering effect on fluctuations appears in the transmission process, and certain non-major autoregressive sub-patterns have high media capabilities in the financial time series. Different stock indexes exhibit similar characteristics in the transmission of fluctuation information. This work not only proposes a distinctive perspective for analysing financial time series but also provides important information for investors.

  8. Characteristics of the transmission of autoregressive sub-patterns in financial time series

    PubMed Central

    Gao, Xiangyun; An, Haizhong; Fang, Wei; Huang, Xuan; Li, Huajiao; Zhong, Weiqiong

    2014-01-01

    There are many types of autoregressive patterns in financial time series, and they form a transmission process. Here, we define autoregressive patterns quantitatively through an econometrical regression model. We present a computational algorithm that sets the autoregressive patterns as nodes and transmissions between patterns as edges, and then converts the transmission process of autoregressive patterns in a time series into a network. We utilised daily Shanghai (securities) composite index time series to study the transmission characteristics of autoregressive patterns. We found statistically significant evidence that the financial market is not random and that there are similar characteristics between parts and whole time series. A few types of autoregressive sub-patterns and transmission patterns drive the oscillations of the financial market. A clustering effect on fluctuations appears in the transmission process, and certain non-major autoregressive sub-patterns have high media capabilities in the financial time series. Different stock indexes exhibit similar characteristics in the transmission of fluctuation information. This work not only proposes a distinctive perspective for analysing financial time series but also provides important information for investors. PMID:25189200

  9. 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…

  10. Complementary Cognitive Capabilities, Economic Decision-Making, and Aging

    PubMed Central

    Li, Ye; Baldassi, Martine; Johnson, Eric J.; Weber, Elke U.

    2014-01-01

    Fluid intelligence decreases with age, yet evidence about age declines in decision-making quality is mixed: Depending on the study, older adults make worse, equally good, or even better decisions than younger adults. We propose a potential explanation for this puzzle, namely that age differences in decision performance result from the interplay between two sets of cognitive capabilities that impact decision making, one in which older adults fare worse (i.e., fluid intelligence) and one in which they fare better (i.e., crystallized intelligence). Specifically, we hypothesized that older adults’ higher levels of crystallized intelligence can provide an alternate pathway to good decisions when the fluid intelligence pathway declines. The performance of older adults relative to younger adults therefore depends on the relative importance of each type of intelligence for the decision at hand. We tested this complementary capabilities hypothesis in a broad sample of younger and older adults, collecting a battery of standard cognitive measures and measures of economically important decision-making “traits”—including temporal discounting, loss aversion, financial literacy, and debt literacy. We found that older participants performed as well as or better than younger participants on these four decision-making measures. Structural equation modeling verified our hypothesis: Older participants’ greater crystallized intelligence offset their lower levels of fluid intelligence for temporal discounting, financial literacy, and debt literacy, but not for loss aversion. These results have important implications for public policy and for the design of effective decision environments for older adults. PMID:24040999

  11. Practitioner perspectives on foundational capabilities.

    PubMed

    Leider, Jonathon P; Juliano, Chrissie; Castrucci, Brian C; Beitsch, Leslie M; Dilley, Abby; Nelson, Rachel; Kaiman, Sherry; Sprague, James B

    2015-01-01

    National efforts are underway to classify a minimum set of public health services that all jurisdictions throughout the United States should provide regardless of location. Such a set of basic programs would be supported by crosscutting services, known as the "foundational capabilities" (FCs). These FCs are assessment services, preparedness and disaster response, policy development, communications, community partnership, and organizational support activities. To ascertain familiarity with the term and concept of FCs and gather related perspectives from state and local public health practitioners. In fall 2013, we interviewed 50 leaders from state and local health departments. We asked about familiarity with the term "foundational capabilities," as well as the broader concept of FCs. We attempted to triangulate the utility of the FC concept by asking respondents about priority programs and services, about perceived unique contributions made by public health, and about prevalence and funding for the FCs. Telephone-based interviews. Fifty leaders of state and local health departments. Practitioner familiarity with and perspectives on the FCs, information about current funding streams for public health, and the likelihood of creating nationwide FCs that would be recognized and accepted by all jurisdictions. Slightly more than half of the leaders interviewed said that they were familiar with the concept of FCs. In most cases, health departments had all of the capabilities to some degree, although operationalization varied. Few indicated that current funding levels were sufficient to support implementing a minimum level of FCs nationally. Respondents were not able to articulate the current or optimal levels of services for the various capabilities, nor the costs associated with them. Further research is needed to understand the role of FCs as part of the foundational public health services.

  12. Advanced Post-Irradiation Examination Capabilities Alternatives Analysis Report

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Jeff Bryan; Bill Landman; Porter Hill

    2012-12-01

    An alternatives analysis was performed for the Advanced Post-Irradiation Capabilities (APIEC) project in accordance with the U.S. Department of Energy (DOE) Order DOE O 413.3B, “Program and Project Management for the Acquisition of Capital Assets”. The Alternatives Analysis considered six major alternatives: ? No Action ? Modify Existing DOE Facilities – capabilities distributed among multiple locations ? Modify Existing DOE Facilities – capabilities consolidated at a few locations ? Construct New Facility ? Commercial Partnership ? International Partnerships Based on the alternatives analysis documented herein, it is recommended to DOE that the advanced post-irradiation examination capabilities be provided by amore » new facility constructed at the Materials and Fuels Complex at the Idaho National Laboratory.« less

  13. First Nations Education: Financial Accountability and Educational Attainment

    ERIC Educational Resources Information Center

    Carr-Stewart, Sheila

    2006-01-01

    First Nations people have both a Constitutional and a Treaty right to education; however, the Crown's jurisdictional obligations to provide educational services have not lead to similar educational opportunities and attainment achievement for First Nations students as compared to Canadian students in provincial schools. Canada's Auditor General,…

  14. Mach Stability Improvements Using an Existing Second Throat Capability at the National Transonic Facility

    NASA Technical Reports Server (NTRS)

    Chan, David T.; Balakrishna, Sundareswara; Walker, Eric L.; Goodliff, Scott L.

    2015-01-01

    Recent data quality improvements at the National Transonic Facility have an intended goal of reducing the Mach number variation in a data point to within plus or minus 0.0005, with the ultimate goal of reducing the data repeatability of the drag coefficient for full-span subsonic transport models at transonic speeds to within half a drag count. This paper will discuss the Mach stability improvements achieved through the use of an existing second throat capability at the NTF to create a minimum area at the end of the test section. These improvements were demonstrated using both the NASA Common Research Model and the NTF Pathfinder-I model in recent experiments. Sonic conditions at the throat were verified using sidewall static pressure data. The Mach variation levels from both experiments in the baseline tunnel configuration and the choked tunnel configuration will be presented and the correlation between Mach number and drag will also be examined. Finally, a brief discussion is given on the consequences of using the second throat in its location at the end of the test section.

  15. Mach Stability Improvements Using an Existing Second Throat Capability at the National Transonic Facility

    NASA Technical Reports Server (NTRS)

    Chan, David T.

    2015-01-01

    Recent data quality improvements at the National Transonic Facility (NTF) have an intended goal of reducing the Mach number variation in a data point to within unit vector A plus or minus 0.0005, with the ultimate goal of reducing the data repeatability of the drag coefficient for full-span subsonic transport models at transonic speeds to within half of a drag count. This paper will discuss the Mach stability improvements achieved through the use of an existing second throat capability at the NTF to create a minimum area at the end of the test section. These improvements were demonstrated using both the NASA Common Research Model and the NTF Pathfinder-I model in recent experiments. Sonic conditions at the throat were verified using sidewall static pressure data. The Mach variation levels from both experiments in the baseline tunnel configuration and the choked tunnel configuration will be presented. Finally, a brief discussion is given on the consequences of using the second throat in its location at the end of the test section.

  16. Subseasonal to Seasonal Forecasting at NASA in Support of the National Earth System Prediction Capability

    NASA Astrophysics Data System (ADS)

    Considine, D. B.; Pawson, S.; Koster, R. D.; Kovach, R. M.; Vernieres, G.; Schubert, S. D.

    2016-12-01

    NASA has developed and maintains, within the Goddard Modeling and Assimilation Office (GMAO), a seasonal-to-interannual prediction activity in support of the National ESPC, based on the GEOS-5 Atmosphere-Ocean General Circulation Model (AOGCM). This system generates atmospheric, land, and ocean/ice analyses that are used to produce global forecasts. Each month, a 17-member ensemble of forecasts is made, from which various oceanic indices (e.g., El Niño, East Indian Dipole, Atlantic SST anomalies), are computed. Additionally, monthly and seasonal anomalies are computed for several variables from the atmosphere (e.g., 2-meter temperatures, precipitation, geopotential heights), land (drought indices), ocean (subsurface temperature anomalies), and sea ice. These forecasts are provided to the National Multi Model Ensemble (NMME) and the Study of Environmental Arctic Change (SEARCH) sea ice outlook. The quasi-operational nature of this system, with constant generation of products that are shared with the broader community, allows for continual assessment of the impacts of NASA observations on seasonal forecasts - a current example is the altimetry data from the JASON series of satellites. The GMAO's seasonal prediction system is currently being upgraded. Alongside typical enhancements, such as increased spatial resolution and use of more recent model versions with improved representation of physical processes, these developments are designed to enhance the use of NASA observations. One example is the use of aerosol information from NASA's EOS instruments (MODIS). A major motivation is also to include NASA's novel data types, such as soil-moisture from SMAP and other sources of oceanic information (such as salinity). This approach enables NASA to continue contributing to national seasonal forecasting efforts, while simultaneously introducing its novel observing capabilities into the seasonal system in a manner that can demonstrate their systematic impacts on the quality

  17. Financial Coaching's Potential for Enhancing Family Financial Security

    ERIC Educational Resources Information Center

    Collins, J. Michael; Olive, Peggy; O'Rourke, Collin M.

    2013-01-01

    Financial coaching is an emerging complement to financial education and counseling. As defined in this article, financial coaching is a process whereby participants set goals, commit to taking certain actions by specific dates, and are then held accountable by the coach. In this way, financial coaching is designed to help participants bridge the…

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

    PubMed

    Townsend, Robert

    2010-09-01

    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.

  19. 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

  20. The Next EFV: Aligning Marine Corps Capabilities With National Security

    DTIC Science & Technology

    2011-05-09

    However, the technological bugaboo is that propelling a 34 ton rectangular, high drag armored vehicle at 25kt through water is simply not feasible...never reach the point of replacing the warfighter on the scene. Adding a true littoral combatant capability to the U.S. military 11 portfolio

  1. 45 CFR 680.10 - Definitions; cross-references to employee ethical conduct standards and financial disclosure...

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION NATIONAL SCIENCE FOUNDATION RULES OF PRACTICE Rules of Practice for the National Science Foundation § 680.10 Definitions; cross-references to... conduct standards and financial disclosure regulations. Members of the National Science Board and other...

  2. 45 CFR 680.10 - Definitions; cross-references to employee ethical conduct standards and financial disclosure...

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION NATIONAL SCIENCE FOUNDATION RULES OF PRACTICE Rules of Practice for the National Science Foundation § 680.10 Definitions; cross-references to... conduct standards and financial disclosure regulations. Members of the National Science Board and other...

  3. 45 CFR 680.10 - Definitions; cross-references to employee ethical conduct standards and financial disclosure...

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION NATIONAL SCIENCE FOUNDATION RULES OF PRACTICE Rules of Practice for the National Science Foundation § 680.10 Definitions; cross-references to... conduct standards and financial disclosure regulations. Members of the National Science Board and other...

  4. 45 CFR 680.10 - Definitions; cross-references to employee ethical conduct standards and financial disclosure...

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION NATIONAL SCIENCE FOUNDATION RULES OF PRACTICE Rules of Practice for the National Science Foundation § 680.10 Definitions; cross-references to... conduct standards and financial disclosure regulations. Members of the National Science Board and other...

  5. Hydrogen Financial Analysis Scenario Tool (H2FAST). Web Tool User's Manual

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Bush, B.; Penev, M.; Melaina, M.

    The Hydrogen Financial Analysis Scenario Tool (H2FAST) provides a quick and convenient indepth financial analysis for hydrogen fueling stations. This manual describes how to use the H2FAST web tool, which is one of three H2FAST formats developed by the National Renewable Energy Laboratory (NREL). Although all of the formats are based on the same financial computations and conform to generally accepted accounting principles (FASAB 2014, Investopedia 2014), each format provides a different level of complexity and user interactivity.

  6. The Accounting Network: How Financial Institutions React to Systemic Crisis

    PubMed Central

    Puliga, Michelangelo; Flori, Andrea; Pappalardo, Giuseppe; Chessa, Alessandro; Pammolli, Fabio

    2016-01-01

    The role of Network Theory in the study of the financial crisis has been widely spotted in the latest years. It has been shown how the network topology and the dynamics running on top of it can trigger the outbreak of large systemic crisis. Following this methodological perspective we introduce here the Accounting Network, i.e. the network we can extract through vector similarities techniques from companies’ financial statements. We build the Accounting Network on a large database of worldwide banks in the period 2001–2013, covering the onset of the global financial crisis of mid-2007. After a careful data cleaning, we apply a quality check in the construction of the network, introducing a parameter (the Quality Ratio) capable of trading off the size of the sample (coverage) and the representativeness of the financial statements (accuracy). We compute several basic network statistics and check, with the Louvain community detection algorithm, for emerging communities of banks. Remarkably enough sensible regional aggregations show up with the Japanese and the US clusters dominating the community structure, although the presence of a geographically mixed community points to a gradual convergence of banks into similar supranational practices. Finally, a Principal Component Analysis procedure reveals the main economic components that influence communities’ heterogeneity. Even using the most basic vector similarity hypotheses on the composition of the financial statements, the signature of the financial crisis clearly arises across the years around 2008. We finally discuss how the Accounting Networks can be improved to reflect the best practices in the financial statement analysis. PMID:27736865

  7. The Accounting Network: How Financial Institutions React to Systemic Crisis.

    PubMed

    Puliga, Michelangelo; Flori, Andrea; Pappalardo, Giuseppe; Chessa, Alessandro; Pammolli, Fabio

    2016-01-01

    The role of Network Theory in the study of the financial crisis has been widely spotted in the latest years. It has been shown how the network topology and the dynamics running on top of it can trigger the outbreak of large systemic crisis. Following this methodological perspective we introduce here the Accounting Network, i.e. the network we can extract through vector similarities techniques from companies' financial statements. We build the Accounting Network on a large database of worldwide banks in the period 2001-2013, covering the onset of the global financial crisis of mid-2007. After a careful data cleaning, we apply a quality check in the construction of the network, introducing a parameter (the Quality Ratio) capable of trading off the size of the sample (coverage) and the representativeness of the financial statements (accuracy). We compute several basic network statistics and check, with the Louvain community detection algorithm, for emerging communities of banks. Remarkably enough sensible regional aggregations show up with the Japanese and the US clusters dominating the community structure, although the presence of a geographically mixed community points to a gradual convergence of banks into similar supranational practices. Finally, a Principal Component Analysis procedure reveals the main economic components that influence communities' heterogeneity. Even using the most basic vector similarity hypotheses on the composition of the financial statements, the signature of the financial crisis clearly arises across the years around 2008. We finally discuss how the Accounting Networks can be improved to reflect the best practices in the financial statement analysis.

  8. Leadership development practices and hospital financial outcomes.

    PubMed

    Crowe, Daniel; Garman, Andrew N; Li, Chien-Ching; Helton, Jeff; Anderson, Matthew M; Butler, Peter

    2017-08-01

    Affordable Care Act legislation is requiring leaders in US health systems to adapt to new and very different approaches to improving operating performance. Research from other industries suggests leadership development can be a helpful component of organizational change strategies; however, there is currently very little healthcare-specific research available to guide design and deployment. The goal of this exploratory study is to examine potential relationships between specific leadership development practices and health system financial outcomes. Results from the National Center for Healthcare Leadership survey of leadership development practices were correlated with hospital and health system financial performance data from the 2013 Medicare Cost Reports. A general linear regression model, controlling for payer mix, case-mix index, and bed size, was used to assess possible relationships between leadership practices and three financial performance metrics: operating margin, days cash on hand, and debt to capitalization. Statistically significant associations were found between hospital-level operating margins and 5 of the 11 leadership practices as well as the composite score. Relationships at the health system level, however, were not statistically significant. Results provide preliminary evidence of an association between hospital financial performance and investments made in developing their leaders.

  9. NUCLEAR INCIDENT CAPABILITIES, KNOWLEDGE & ENABLER LEVERAGING

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Kinney, J.; Newman, J.; Goodwyn, A.

    2011-04-18

    into action. Much work needs to be accomplished to enhance nuclear preparedness and to substantially bolster and clarify the capacity to deploy competent resources. Until detailed plans are scripted, and personnel and other resources are postured, and exercised, IND specific planning remains an urgent need requiring attention and action. Although strategic guidance, policies, concepts of operations, roles, responsibilities, and plans governing the response and consequence management for the IND scenario exist, an ongoing integration challenge prevails regarding how best to get capable and competent surge capacity personnel (disaster reservists) and other resources engaged and readied in an up-front manner with pre-scripted assignments to augment the magnitude of anticipated demands of expertise. With the above in mind, Savannah River National Laboratory (SRNL) puts science to work to create and deploy practical, high-value, cost-effective nuclear solutions. As the Department of Energy's (DOE) applied research and development laboratory, SRNL supports Savannah River Site (SRS) operations, DOE, national initiatives, and other federal agencies, across the country and around the world. SRNL's parent at SRS also employs more than 8,000 personnel. The team is a great asset that seeks to continue their service in the interest of national security and stands ready to accomplish new missions. Overall, an integral part of the vision for SRNL's National and Homeland Security Directorate is the establishment of a National Security Center at SRNL, and development of state of the science capabilities (technologies and trained technical personnel) for responding to emergency events on local, regional, or national scales. This entails leveraging and posturing the skills, knowledge and experience base of SRS personnel to deliver an integrated capability to support local, state, and federal authorities through the development of pre-scripted requests for assistance, agreements, and

  10. DOD Financial Management: Greater Visibility Needed to Better Assess Audit Readiness for Property, Plant, and Equipment

    DTIC Science & Technology

    2016-05-01

    with U.S. generally accepted accounting principles and establish and maintain effective internal control over financial reporting and compliance with... Accountability Office Highlights of GAO-16-383, a report to congressional committees May 2016 DOD FINANCIAL MANAGEMENT Greater Visibility... Accounting Standards Advisory Board FIAR Financial Improvement and Audit Readiness IUS internal-use software NDAA National Defense Authorization Act

  11. Joint venture versus outreach: a financial analysis of case studies.

    PubMed

    Forsman, R W

    2001-01-01

    Medical centers across the country are facing cost challenges, and national commercial laboratories are experiencing financial declines that necessitate their capturing market share in any way possible. Many laboratories are turning to joint ventures or partnerships for financial relief. However, it often is in the best interest of the patient and the medical center to integrate laboratory services across the continuum of care. This article analyzes two hypothetical joint ventures involving a laboratory management agreement and full laboratory outsourcing.

  12. Quantitative Financial Analysis of Alternative Energy Efficiency Shareholder Incentive Mechanisms

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Cappers, Peter; Goldman, Charles; Chait, Michele

    2008-08-03

    Rising energy prices and climate change are central issues in the debate about our nation's energy policy. Many are demanding increased energy efficiency as a way to help reduce greenhouse gas emissions and lower the total cost of electricity and energy services for consumers and businesses. Yet, as the National Action Plan on Energy Efficiency (NAPEE) pointed out, many utilities continue to shy away from seriously expanding their energy efficiency program offerings because they claim there is insufficient profit-motivation, or even a financial disincentive, when compared to supply-side investments. With the recent introduction of Duke Energy's Save-a-Watt incentive mechanism andmore » ongoing discussions about decoupling, regulators and policymakers are now faced with an expanded and diverse landscape of financial incentive mechanisms, Determining the 'right' way forward to promote deep and sustainable demand side resource programs is challenging. Due to the renaissance that energy efficiency is currently experiencing, many want to better understand the tradeoffs in stakeholder benefits between these alternative incentive structures before aggressively embarking on a path for which course corrections can be time-consuming and costly. Using a prototypical Southwest utility and a publicly available financial model, we show how various stakeholders (e.g. shareholders, ratepayers, etc.) are affected by these different types of shareholder incentive mechanisms under varying assumptions about program portfolios. This quantitative analysis compares the financial consequences associated with a wide range of alternative incentive structures. The results will help regulators and policymakers better understand the financial implications of DSR program incentive regulation.« less

  13. Assessing Enterprise Capability: Guidance for Schools

    ERIC Educational Resources Information Center

    National Foundation for Educational Research, 2007

    2007-01-01

    This document offers guidance to schools on how assessment can support enterprise education. It presents the interim findings from research carried out by the National Foundation for Educational Research (NFER) for the Department for Education and Skills (DfES) in secondary schools in England. Enterprise capability is the key outcome of enterprise…

  14. 42 CFR 52b.6 - What is the rate of federal financial participation?

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 1 2014-10-01 2014-10-01 false What is the rate of federal financial participation? 52b.6 Section 52b.6 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS NATIONAL INSTITUTES OF HEALTH CONSTRUCTION GRANTS § 52b.6 What is the rate of federal financial...

  15. 42 CFR 52b.6 - What is the rate of federal financial participation?

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 1 2012-10-01 2012-10-01 false What is the rate of federal financial participation? 52b.6 Section 52b.6 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS NATIONAL INSTITUTES OF HEALTH CONSTRUCTION GRANTS § 52b.6 What is the rate of federal financial...

  16. 42 CFR 52b.6 - What is the rate of federal financial participation?

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 1 2013-10-01 2013-10-01 false What is the rate of federal financial participation? 52b.6 Section 52b.6 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS NATIONAL INSTITUTES OF HEALTH CONSTRUCTION GRANTS § 52b.6 What is the rate of federal financial...

  17. 42 CFR 52b.6 - What is the rate of federal financial participation?

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 1 2011-10-01 2011-10-01 false What is the rate of federal financial participation? 52b.6 Section 52b.6 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS NATIONAL INSTITUTES OF HEALTH CONSTRUCTION GRANTS § 52b.6 What is the rate of federal financial...

  18. 42 CFR 52b.6 - What is the rate of federal financial participation?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false What is the rate of federal financial participation? 52b.6 Section 52b.6 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS NATIONAL INSTITUTES OF HEALTH CONSTRUCTION GRANTS § 52b.6 What is the rate of federal financial...

  19. Social health insurance coverage and financial protection among rural-to-urban internal migrants in China: evidence from a nationally representative cross-sectional study

    PubMed Central

    Chen, Wen; Zhang, Qi; Renzaho, Andre M N; Zhou, Fangjing; Zhang, Hui; Ling, Li

    2017-01-01

    Introduction Migrants are a vulnerable population and could experience various challenges and barriers to accessing health insurance. Health insurance coverage protects migrants from financial loss related to illness and death. We assessed social health insurance (SHI) coverage and its financial protection effect among rural-to-urban internal migrants (IMs) in China. Methods Data from the ‘2014 National Internal Migrant Dynamic Monitoring Survey’ were used. We categorised 170 904 rural-to-urban IMs according to their SHI status, namely uninsured by SHI, insured by the rural SHI scheme (new rural cooperative medical scheme (NCMS)) or the urban SHI schemes (urban employee-based basic medical insurance (UEBMI)/urban resident-based basic medical insurance (URBMI)), and doubly insured (enrolled in both rural and urban schemes). Financial protection was defined as ‘the percentage of out-of-pocket (OOP) payments for the latest inpatient service during the past 12 months in the total household expenditure’. Results The uninsured rate of SHI and the NCMS, UEBMI/URBMI and double insurance coverage in rural-to-urban IMs was 17.3% (95% CI 16.9% to 17.7%), 66.6% (66.0% to 67.1%), 22.6% (22.2% to 23.0%) and 5.5% (5.3% to 5.7%), respectively. On average, financial protection indicator among uninsured, only NCMS insured, only URBMI/UEBMI insured and doubly insured participants was 13.3%, 9.2%, 6.2% and 5.8%, respectively (p=0.004). After controlling for confounding factors and adjusting the protection effect of private health insurance, compared with no SHI, the UEBMI/URBMI, the NCMS and double insurance could reduce the average percentage share of OOP payments by 33.9% (95% CI 25.5% to 41.4%), 14.1% (6.6% to 20.9%) and 26.8% (11.0% to 39.7%), respectively. Conclusion Although rural-to-urban IMs face barriers to accessing SHI schemes, our findings confirm the positive financial protection effect of SHI. Improving availability and portability of health insurance would

  20. 76 FR 37030 - Financial Derivatives Transactions To Offset Interest Rate Risk; Investment and Deposit Activities

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-24

    ..., with certain exceptions, are financial derivatives such as futures, options, interest rate swaps and... to evaluate any hedge transaction using derivatives must include the ability to capture all options... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 703 Financial Derivatives Transactions To Offset...

  1. 75 FR 8169 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-02-23

    ...-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of Proposed Rule Change To Amend the Codes of Arbitration Procedure To Provide for Attorney Representation of Non-Party... Financial Industry Regulatory Authority, Inc. (``FINRA'') (f/k/a National Association of Securities Dealers...

  2. The Financial Crisis in the Community College.

    ERIC Educational Resources Information Center

    Lombardi, John

    The author examines the financial crisis in community colleges on a national scale in this first paper in a projected long-range study of this crucial topic. Economic causes contributing to the crisis include inflation, rising enrollments, and such labor-intensive aspects as spiraling labor and security costs, and increasing demands for funds by…

  3. Characteristics of psychiatric patients for whom financial considerations affect optimal treatment provision.

    PubMed

    West, Joyce C; Pingitore, David; Zarin, Deborah A

    2002-12-01

    This study assessed characteristics of psychiatric patients for whom financial considerations affected the provision of "optimal" treatment. Psychiatrists reported that for 33.8 percent of 1,228 patients from a national sample, financial considerations such as managed care limitations, the patient's personal finances, and limitations inherent in the public care system adversely affected the provision of optimal treatment. Patients were more likely to have their treatment adversely affected by financial considerations if they were more severely ill, had more than one behavioral health disorder or a psychosocial problem, or were receiving treatment under managed care arrangements. Patients for whom financial considerations affect the provision of optimal treatment represent a population for whom access to treatment may be particularly important.

  4. 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,…

  5. The Ares Launch Vehicles: Critical Capabilities for America's Continued Leadership in Space

    NASA Technical Reports Server (NTRS)

    Cook, Stephen A.

    2009-01-01

    The Constellation Program renews the nation's commitment to human space exploration a) Access to ISS. b) Human explorers to the Moon and beyond. c) Large telescopes and other hardware to LEO . Hardware is being built today. Development made easier by applying lessons learned from 50 years of spaceflight experience. Ares V heavy-lift capability will be a strategic asset for the nation. Constellation provides a means for world leadership through inspiration and strategic capability.

  6. Comparative Financial Statistics for Public Two-Year Colleges: FY 1991 Peer Groups Sample.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Cirino, Anna Marie

    Comparative financial information, derived from two national surveys of 503 public two-year colleges, is presented in this report for fiscal year (FY) 1990-91. The report includes statistics for the national sample and six peer groups, space for colleges to compare their institutional statistics with national and peer groups, and tables, bar…

  7. Metaspace: Financial plan for development in space

    NASA Astrophysics Data System (ADS)

    Odonnell, Declan Joseph

    There are no sources for private development monies in space. There are no laws to regulate development in space and protect private investment. In order to cure these basic business problems, we may create a new nation in space, called the Metanation, to provide political focus and financial capacity. It will assume jurisdiction in outer space after a convention in the year 2000 A.D. It would offer to combine with space agencies of earth nations to form a relevant governance and policy entity for mankind and help develop our common heritage aloft.

  8. National Runaway Safeline

    MedlinePlus

    ... Asked Questions Leadership Financials Events Media Resource Center Work at NRS Visit the Blog Youth & Teens Do you need help? The National Runaway Safeline (NRS) is here to listen whether you are ...

  9. [Financial allocations in the System for Social Protection in Health in Mexico: challenges for strategic purchasing].

    PubMed

    González-Block, Miguel Ángel; Figueroa, Alejandro; García-Téllez, Ignacio; Alarcón, José

    2016-01-01

    The financial coordination of the System of Social Protection in Health (SPSS) was analyzed to assess its support to strategic purchasing. Official reports and surveys were analyzed. SPSS covers a capita of 2 765 Mexican pesos, equivalent to 0.9% of GDP. The Ministry of Health contributed 35% of the total, state governments 16.7% and beneficiaries 0.06%. The National Commission for Social Protection in Health received 48.3% of resources, allocating 38% to State Social Protection Schemes in Health and paying 7.4% of the total directly to providers.The state contribution is in deficit while family contributions tend not to be charged. SPSS has not built funds specialized in strategic purchasing, capable of transforming historical budgets.The autonomy of providers is key to reduce out-of-pocket spending through the supply of quality services.

  10. 45 CFR 602.20 - Standards for financial management systems.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Section 602.20 Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE... subgrant. Financial information must be related to performance or productivity data, including the... agreement. If unit cost data are required, estimates based on available documentation will be accepted...

  11. 45 CFR 602.20 - Standards for financial management systems.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Section 602.20 Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE... subgrant. Financial information must be related to performance or productivity data, including the... agreement. If unit cost data are required, estimates based on available documentation will be accepted...

  12. Financial Accounting for Local and State School Systems: 2009 Edition. NCES 2009-325

    ERIC Educational Resources Information Center

    Allison, Gregory S.; Honegger, Steven D.; Johnson, Frank

    2009-01-01

    This handbook has been designed as the national standard for state and local education agencies to use in tracking and reporting financial data for school districts to use in preparing their comprehensive annual financial reports (CAFRs). The purpose of the handbook is to ensure that education fiscal data can be reported in a comprehensive manner.…

  13. Paying for College: Trends in Student Financial Aid at Independent Colleges and Universities.

    ERIC Educational Resources Information Center

    Thrift, Julianne Still; Toppe, Christopher M.

    Sources of funds for students at private colleges are assessed, along with major changes in student financial aid during 1979-1984, based on the Student Aid Recipient Data Bank of the National Institute of Independent Colleges and Universities. A random sample of actual student financial aid records was examined in order to show how aid is…

  14. Financial Health Indicators: An Analysis Of Financial Statement Information To Determine The Financial Health Of DOD Contractors

    DTIC Science & Technology

    2016-12-01

    STATEMENT INFORMATION TO DETERMINE THE FINANCIAL HEALTH OF DOD CONTRACTORS December 2016 By: Timothy J. Grant Tony L. Ingram Darnell D...AND SUBTITLE FINANCIAL HEALTH INDICATORS: AN ANALYSIS OF FINANCIAL STATEMENT INFORMATION TO DETERMINE THE FINANCIAL HEALTH OF DOD CONTRACTORS 5...government contracting officers must be able to determine the financial health of prospective contractors . In fact, according to the Federal Acquisition

  15. 77 FR 1119 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-09

    ... in 1984 by agreement of the Financial Accounting Foundation (``FAF'') and ten national associations... standards of accounting and financial reporting for U.S. state and local governments.\\3\\ The GASB is... and publication of the generally accepted accounting principles (``GAAP'') for state and local...

  16. 10 CFR 605.18 - National security.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false National security. 605.18 Section 605.18 Energy DEPARTMENT... PROGRAM § 605.18 National security. Activities under ER's Financial Assistance Program shall not involve classified information (i.e., Restricted Data, formerly Restricted Data, National Security Information...

  17. 10 CFR 605.18 - National security.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 10 Energy 4 2014-01-01 2014-01-01 false National security. 605.18 Section 605.18 Energy DEPARTMENT... PROGRAM § 605.18 National security. Activities under ER's Financial Assistance Program shall not involve classified information (i.e., Restricted Data, formerly Restricted Data, National Security Information...

  18. 10 CFR 605.18 - National security.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 10 Energy 4 2013-01-01 2013-01-01 false National security. 605.18 Section 605.18 Energy DEPARTMENT... PROGRAM § 605.18 National security. Activities under ER's Financial Assistance Program shall not involve classified information (i.e., Restricted Data, formerly Restricted Data, National Security Information...

  19. National Directory of Financial Assistance Programs for Post-Secondary Students with Disabilities.

    ERIC Educational Resources Information Center

    Estey, Steven; Alphonse, Laurie

    This directory is intended to provide a comprehensive source of information on financial assistance for Canadian post-secondary students with disabilities. The directory includes descriptions of funding programs, mailing addresses, telephone and fax numbers, and e-mail addresses for further information. Government funding programs described…

  20. 32 CFR 728.34 - Care beyond the capabilities of a naval MTF.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 5 2010-07-01 2010-07-01 false Care beyond the capabilities of a naval MTF. 728... Dependents of the Uniformed Services § 728.34 Care beyond the capabilities of a naval MTF. When either during... determination is made that required care or services are beyond the capability of the naval MTF, the provisions...

  1. 32 CFR 728.34 - Care beyond the capabilities of a naval MTF.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 5 2011-07-01 2011-07-01 false Care beyond the capabilities of a naval MTF. 728... Dependents of the Uniformed Services § 728.34 Care beyond the capabilities of a naval MTF. When either during... determination is made that required care or services are beyond the capability of the naval MTF, the provisions...

  2. Do financial incentives trump clinical guidance? Hip Replacement in England and Scotland.

    PubMed

    Papanicolas, Irene; McGuire, Alistair

    2015-12-01

    Following devolution in 1999 England and Scotland's National Health Services diverged, resulting in major differences in hospital payment. England introduced a case payment mechanism from 2003/4, while Scotland continued to pay through global budgets. We investigate the impact this change had on activity for Hip Replacement. We examine the financial reimbursement attached to uncemented Hip Replacement in England, which has been more generous than for its cemented counterpart, although clinical guidance from the National Institute for Clinical Excellence recommends the later. In Scotland this financial differential does not exist. We use a difference-in-difference estimator, using Scotland as a control, to test whether the change in reimbursement across the two countries had an influence on treatment. Our results indicate that financial incentives are directly linked to the faster uptake of the more expensive, uncemented Hip Replacement in England, which ran against the clinical guidance. Copyright © 2015 Elsevier B.V. All rights reserved.

  3. 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

  4. A Trusted National Fusion Center Network: Are Baseline Capabilities and Accreditation Needed?

    DTIC Science & Technology

    2010-09-01

    Criminal Intelligence Sharing Plan NCTC National Counterterrorism Center NEMA National Emergency Management Agency NFCA National Fusion Center...1997, during its mid-year conference, the National Emergency Management Association ( NEMA ) met to discuss the need for the development of nationally...and accreditation. EMAP is governed by a commission comprised of ten members, consisting of five representatives from NEMA and five

  5. 75 FR 65629 - Modification of the Annual National Registry Fee

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-26

    ... FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL [Docket No. AS10-7] Modification of the Annual National Registry Fee AGENCY: Appraisal Subcommittee (ASC) of the Federal Financial Institutions... Financial Institutions Reform, Recovery and Enforcement Act of 1989 (Title XI), as amended, requires the ASC...

  6. Exploration Medical Capability (ExMC) Projects

    NASA Technical Reports Server (NTRS)

    Wu, Jimmy; Watkins, Sharmila; Baumann, David

    2010-01-01

    During missions to the Moon or Mars, the crew will need medical capabilities to diagnose and treat disease as well as for maintaining their health. The Exploration Medical Capability Element develops medical technologies, medical informatics, and clinical capabilities for different levels of care during space missions. The work done by team members in this Element is leading edge technology, procedure, and pharmacological development. They develop data systems that protect patient's private medical information, aid in the diagnosis of medical conditions, and act as a repository of relevant NASA life sciences experimental studies. To minimize the medical risks to crew health the physicians and scientists in this Element develop models to quantify the probability of medical events occurring during a mission. They define procedures to treat an ill or injured crew member who does not have access to an emergency room and who must be cared for in a microgravity environment where both liquids and solids behave differently than on Earth. To support the development of these medical capabilities, the Element manages the development of medical technologies that prevent, monitor, diagnose, and treat an ill or injured crewmember. The Exploration Medical Capability Element collaborates with the National Space Biomedical Research Institute (NSBRI), the Department of Defense, other Government-funded agencies, academic institutions, and industry.

  7. Target Capabilities List: A Companion to the National Preparedness Guidelines

    DTIC Science & Technology

    2007-09-01

    lowest possible geographic, organizational, and jurisdictional level using the principles in the National Incident Management System (NIMS). The...Response Plan. U.S. Department of Homeland Security. December 2004. 3. Biological Incident Annex. In the National Response Plan. U.S. Department of...elements of the continuum and improve interoperability, public safety and service agency practitioners should observe the following principles : Gain

  8. Money Matters: Recommendations for Financial Stress Research in Occupational Health Psychology.

    PubMed

    Sinclair, Robert R; Cheung, Janelle H

    2016-08-01

    Money is arguably the most important resource derived from work and the most important source of stress for contemporary employees. A substantial body of research supports the relationship between access to financial resources and health and well-being, both at individual and aggregated (e.g. national) levels of analysis. Yet, surprisingly little occupational health psychology research has paid attention to financial issues experienced specifically by those in the labour force. With these issues in mind, the overarching goal of the present paper was to address conceptual and measurement issues in the study of objective and subjective aspects of financial stress and review several assessment options available to occupational health psychology researchers for both aspects of financial stress. Where appropriate, we offer guidance to researchers about choices among various financial stress measures and identify issues that require further research attention. Copyright © 2016 John Wiley & Sons, Ltd. Copyright © 2016 John Wiley & Sons, Ltd.

  9. Economic Conflict and National Security Research

    DTIC Science & Technology

    1977-02-22

    international affairs, such as a change in rules governing international financial prac- tices (i.e., repayment of debts, free movement of assets, etc...conflict. This step subsumes such questions as whether or n-ot an act of economic conflict will result in a hot war, the collapse of international financial ...disrupt an adver- sary’s economy; * Wrecking a nation’s financial institutions by flooding the country with counterfeit money and/or duplicate credit cardst

  10. A detailed heterogeneous agent model for a single asset financial market with trading via an order book.

    PubMed

    Mota Navarro, Roberto; Larralde, Hernán

    2017-01-01

    We present an agent based model of a single asset financial market that is capable of replicating most of the non-trivial statistical properties observed in real financial markets, generically referred to as stylized facts. In our model agents employ strategies inspired on those used in real markets, and a realistic trade mechanism based on a double auction order book. We study the role of the distinct types of trader on the return statistics: specifically, correlation properties (or lack thereof), volatility clustering, heavy tails, and the degree to which the distribution can be described by a log-normal. Further, by introducing the practice of "profit taking", our model is also capable of replicating the stylized fact related to an asymmetry in the distribution of losses and gains.

  11. 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,…

  12. Issues in Postsecondary Education. Financial Viability of Institutions.

    ERIC Educational Resources Information Center

    Jenny, Hans H.

    One of three papers commissioned as part of the Postsecondary Education Core Design Project of the National Center for Education Statistics (NCES), one of this study's purposes was to identify and set priorities for postsecondary education decisionmakers in the area of financial viability in postsecondary institutions. Another purpose was to…

  13. 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…

  14. Financial Preparation for Retirement in Brazil: a Cross-Cultural Test of the Interdisciplinary Financial Planning Model.

    PubMed

    França, Lucia H F; Hershey, Douglas A

    2018-03-01

    In this investigation, we attempt to replicate the Interdisciplinary Financial Planning Model advanced by Hershey et al. (International Journal of Aging and Human Development, 70, 1-38, 2010) using a sample of Brazilian adults. This model, which was originally tested on individuals from The Netherlands and the United States, posits that psychological, social, and economic forces are key determinants of retirement planning practices and perceptions of saving adequacy. Taken together, fifteen hypotheses were subject to evaluation. Participants were 167 Brazilian working adults, 21-69 years of age, who were married or cohabitating at the time of testing. A path analysis model showed substantial support for the theoretical framework, with all variables found to contribute directly or indirectly to the prediction of financial planning and saving adequacy. Furthermore, two new paths were found to emerge in the Brazilian model that were not observed in the original investigation. This cross-national replication of the Interdisciplinary Financial Planning Model extends research on the topic to a developing country in which relatively few empirical studies of retirement planning have been carried out. Other analyses in the article focus on direct comparisons between the Brazilian model and the models developed based on American and Dutch respondents, with an eye toward better understanding how cultural forces shape the retirement planning process. The discussion focuses on how models of financial planning, such as the Hershey et al. (2010) model, can inform the development of savings-oriented education and intervention programs.

  15. National Aeronautics and Space Administration FY 2001 Accountability Report

    NASA Technical Reports Server (NTRS)

    2001-01-01

    The National Aeronautics and Space Administration (NASA) is an independent Agency established to plan and manage the future of the Nation's civil aeronautics and space program. This Accountability Report covers Federal Fiscal Year (FY) 2001 (October 1, 2000, through September 30, 2001), with discussion of some subsequent events The Report contains an overview addressing the Agency's critical programs and financial performance and includes highlights of performance organized by goals and objectives of the Enterprises and Crosscutting Processes. The Report also summarizes NASA's stewardship over budget and financial resources, including audited financial statements and footnotes. The financial statements reflect an overall position of offices and activities, including assets and liabilities, as well as results of operations, pursuant to requirements of Federal law (31 U.S.C. 3515(b)). The auditor's opinions on NASA's financial statements, reports on internal controls, and compliance with laws and regulations are included in this Report.

  16. The Associations of Financial Stress and Parenting Support Factors with Alcohol Behaviors During Young Adulthood

    PubMed Central

    Lawry, Charles; Li, Gu; Conger, Katherine J.; Russell, Stephen T.

    2014-01-01

    This study examined concurrent and prospective associations of financial stress (financial strain, lack of financial access, public assistance) and parenting support factors (relationship quality, living at home, financial support) with young adults’ alcohol behaviors (alcohol use, heavy drinking, and problematic drinking) over a 5-year period. Analyses of National Longitudinal Study of Adolescent Health (Add Health) data (N = 7,159) showed that, over the study period, alcohol use and heavy drinking declined while problematic drinking increased. In addition, living at home and parental relationship quality were associated with fewer concurrent and prospective alcohol behaviors whereas financial strain and parents’ financial support were associated with more alcohol behaviors. The implications for minimizing alcohol misuse in young adults amid uncertain economic conditions are discussed. PMID:26388681

  17. Reimagining Financial Aid to Improve Student Access and Outcomes

    ERIC Educational Resources Information Center

    National Association of Student Financial Aid Administrators (NJ1), 2013

    2013-01-01

    As the student aid programs rapidly approach reauthorization in 2014, they continue to face severe funding and efficiency problems. With grant assistance from the Bill & Melinda Gates Foundation through their "Reimagining Aid Design and Delivery" (RADD) project, the National Association of Student Financial Aid Administrators…

  18. 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).…

  19. The high order dispersion analysis based on first-passage-time probability in financial markets

    NASA Astrophysics Data System (ADS)

    Liu, Chenggong; Shang, Pengjian; Feng, Guochen

    2017-04-01

    The study of first-passage-time (FPT) event about financial time series has gained broad research recently, which can provide reference for risk management and investment. In this paper, a new measurement-high order dispersion (HOD)-is developed based on FPT probability to explore financial time series. The tick-by-tick data of three Chinese stock markets and three American stock markets are investigated. We classify the financial markets successfully through analyzing the scaling properties of FPT probabilities of six stock markets and employing HOD method to compare the differences of FPT decay curves. It can be concluded that long-range correlation, fat-tailed broad probability density function and its coupling with nonlinearity mainly lead to the multifractality of financial time series by applying HOD method. Furthermore, we take the fluctuation function of multifractal detrended fluctuation analysis (MF-DFA) to distinguish markets and get consistent results with HOD method, whereas the HOD method is capable of fractionizing the stock markets effectively in the same region. We convince that such explorations are relevant for a better understanding of the financial market mechanisms.

  20. Democratic transitions, health institutions, and financial protection in the emerging economies: insights from Asia.

    PubMed

    Gómez, Eduardo J

    2017-07-01

    In recent years, several emerging economies have introduced national health insurance programs ensuring access to health care while offering financial protection from out-of-pocket and catastrophic expenses. Nevertheless, in several nations these expenses continue to increase. While recent research has emphasized the lack of funding, poor policy design and corruption as the main culprits, little is known about the politics of establishing federal regulatory agencies ensuring that state governments adhere to national insurance reimbursement and coverage procedures. This article fills in this lacuna by providing an alternative perspective, one that accounts for differences between nations in the creation of regulatory institutions, with an emphasis instead on governing elite strategies to campaign on access to health care during transitions to democracy, civil societal mobilization, constitutional constraints and the national electoral incentives to overcome ineffective decentralization processes. The cases of Indonesia and China are introduced as examples of how and why their differences in this political process accounted for Indonesia's success and China's failure to ensure financial protection.

  1. 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…

  2. Which components of health information technology will drive financial value?

    PubMed

    Kern, Lisa M; Wilcox, Adam; Shapiro, Jason; Dhopeshwarkar, Rina V; Kaushal, Rainu

    2012-08-01

    The financial effects of electronic health records (EHRs) and health information exchange (HIE) are largely unknown, despite unprecedented federal incentives for their use. We sought to understand which components of EHRs and HIE are most likely to drive financial savings in the ambulatory, inpatient, and emergency department settings. Framework development and a national expert panel. We searched the literature to identify functionalities enabled by EHRs and HIE across the 3 healthcare settings. We rated each of 233 functionality-setting combinations on their likelihood of having a positive financial effect. We validated the top-scoring functionalities with a panel of 28 national experts, and we compared the high-scoring functionalities with Stage 1 meaningful use criteria. We identified 54 high-scoring functionality- setting combinations, 27 for EHRs and 27 for HIE. Examples of high-scoring functionalities included providing alerts for expensive medications, providing alerts for redundant lab orders, sending and receiving imaging reports, and enabling structured medication reconciliation. Of the 54 high-scoring functionalities, 25 (46%) are represented in Stage 1 meaningful use. Many of the functionalities not yet represented in meaningful use correspond with functionalities that focus directly on healthcare utilization and costs rather than on healthcare quality per se. This work can inform the development and selection of future meaningful use measures; inform implementation efforts, as clinicians and hospitals choose from among a "menu" of measures for meaningful use; and inform evaluation efforts, as investigators seek to measure the actual financial impact of EHRs and HIE.

  3. 32 CFR 37.605 - What is the general policy on participants' financial, property, and purchasing systems?

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...' financial, property, and purchasing systems? 37.605 Section 37.605 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE DoD GRANT AND AGREEMENT REGULATIONS TECHNOLOGY INVESTMENT AGREEMENTS Award Terms Affecting Participants' Financial, Property, and Purchasing Systems § 37.605 What is the...

  4. A financial analysis of revision hip arthroplasty: the economic burden in relation to the national tariff.

    PubMed

    Vanhegan, I S; Malik, A K; Jayakumar, P; Ul Islam, S; Haddad, F S

    2012-05-01

    Revision arthroplasty of the hip is expensive owing to the increased cost of pre-operative investigations, surgical implants and instrumentation, protracted hospital stay and drugs. We compared the costs of performing this surgery for aseptic loosening, dislocation, deep infection and peri-prosthetic fracture. Clinical, demographic and economic data were obtained for 305 consecutive revision total hip replacements in 286 patients performed at a tertiary referral centre between 1999 and 2008. The mean total costs for revision surgery in aseptic cases (n = 194) were £11 897 (sd 4629), for septic revision (n = 76) £21 937 (sd 10 965), for peri-prosthetic fracture (n = 24) £18 185 (sd 9124), and for dislocation (n = 11) £10 893 (sd 5476). Surgery for deep infection and peri-prosthetic fracture was associated with longer operating times, increased blood loss and an increase in complications compared to revisions for aseptic loosening. Total inpatient stay was also significantly longer on average (p < 0.001). Financial costs vary significantly by indication, which is not reflected in current National Health Service tariffs.

  5. 75 FR 61246 - Surety Companies Acceptable on Federal Bonds: Darwin National Assurance Company

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-04

    ... the U.S. Department of the Treasury, Financial Management Service, Financial Accounting and Services..., 2010. Laura Carrico, Director, Financial Accounting and Services Division, [FR Doc. 2010-24632 Filed 10... National Assurance Company AGENCY: Financial Management Service, Fiscal Service, Department of the Treasury...

  6. Financial statistics of major US investor-owned electric utilities 1992

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Not Available

    The Financial Statistics of Major US Investor-Owned Electric Utilities publication presents summary and detailed financial accounting data on the investor-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 investor-owned electric utility issues. The Financial Statistics of Major US Investor-Owned Electric Utilities publication provides information about the financial results of operations of investor-owned electric utilities for use by government, industry, electric utilities, financial organizations and educational institutions in energy planning. In the private sector,more » the readers of this publication are researchers and analysts associated with the financial markets, the policymaking and decisionmaking members of electric utility companies, and economic development organizations. Other organizations that may be interested in the data presented in this publication include manufacturers of electric power equipment and marketing organizations. In the public sector, the readers of this publication include analysts, researchers, statisticians, and other professionals engaged in regulatory, policy, and program areas. These individuals are generally associated with the Congress, other legislative bodies, State public utility commissions, universities, and national strategic planning organizations.« less

  7. Competing on capabilities: the new rules of corporate strategy.

    PubMed

    Stalk, G; Evans, P; Shulman, L E

    1992-01-01

    In the 1980s, companies discovered time as a new source of competitive advantage. In the 1990s, they will discover that time is only one piece of a more far-reaching transformation in the logic of competition. Using examples from Wal-Mart and other highly successful companies, Stalk, Evans, and Shulman of the Boston Consulting Group provide managers with a guide to the new world of "capabilities-based competition." In today's dynamic business environment, strategy too must become dynamic. Competition is a "war of movement" in which success depends on anticipation of market trends and quick response to changing customer needs. In such an environment, the essence of strategy is not the structure of a company's products and markets but the dynamics of its behavior. To succeed, a company must weave its key business processes into hard-to-imitate strategic capabilities that distinguish it from its competitors in the eyes of customers. A capability is a set of business processes strategically understood--for example, Wal-Mart's expertise in inventory replenishment, Honda's skill at dealer management, or Banc One's ability to "out-local the national banks and out-national the local banks." Such capabilities are collective and cross-functional--a small part of many people's jobs, not a large part of a few. Finally, competing on capabilities requires strategic investments in support systems that span traditional SBUs and functions and go far beyond what traditional cost-benefit metrics can justify. A CEO's success in building and managing a company's capabilities will be the chief test of management skill in the 1990s. The prize: companies that combine scale and flexibility to outperform the competition.

  8. Associations of behavioural risk factors and health status with changes in physical capability over 10 years of follow-up: the MRC National Survey of Health and Development.

    PubMed

    Cooper, Rachel; Muniz-Terrera, Graciela; Kuh, Diana

    2016-04-18

    (1) To describe changes in objective measures of physical capability between ages 53 and 60-64 years; (2) to investigate the associations of behavioural risk factors (obesity, physical inactivity, smoking) and number of health conditions (range 0-4: hand osteoarthritis (OA); knee OA; severe respiratory symptoms; other disabling or life-threatening conditions (ie, cancer, cardiovascular disease, diabetes)) at age 53 years with these changes. Nationally representative prospective birth cohort study. England, Scotland and Wales. Up to 2093 men and women from the Medical Research Council National Survey of Health and Development, who have been followed-up since birth in 1946, and underwent physical capability assessments performed by nurses following standard protocols in 1999 and 2006-2010. Grip strength and chair rise speed were assessed at ages 53 and 60-64 years. Four categories of change in grip strength and chair rise speed were identified: decline, stable high, stable low, a reference group who maintained physical capability within a 'normal' range. Less healthy behavioural risk scores and an increase in the number of health conditions experienced were associated in a stepwise fashion with increased risk of decline in physical capability, and also of having low levels at baseline and remaining low. For example, the sex and mutually adjusted relative-risk ratios (95% CI) of being in the stable low versus reference category of chair rise speed were 1.58 (1.35-1.86) and 1.97 (1.57-2.47) per 1 unit change in behavioural risk score and health indicator count, respectively. These findings provide evidence of the associations of a range of modifiable factors with age-related changes in physical capability. They suggest the need to target multiple risk factors at least as early as mid-life when aiming to promote maintenance and prevent decline in physical capability in later life. Published by the BMJ Publishing Group Limited. For permission to use (where not

  9. A detailed heterogeneous agent model for a single asset financial market with trading via an order book

    PubMed Central

    2017-01-01

    We present an agent based model of a single asset financial market that is capable of replicating most of the non-trivial statistical properties observed in real financial markets, generically referred to as stylized facts. In our model agents employ strategies inspired on those used in real markets, and a realistic trade mechanism based on a double auction order book. We study the role of the distinct types of trader on the return statistics: specifically, correlation properties (or lack thereof), volatility clustering, heavy tails, and the degree to which the distribution can be described by a log-normal. Further, by introducing the practice of “profit taking”, our model is also capable of replicating the stylized fact related to an asymmetry in the distribution of losses and gains. PMID:28245251

  10. 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.

  11. Financial Toxicity (Financial Distress) and Cancer Treatment (PDQ®)—Patient Version

    Cancer.gov

    Financial Toxicity and Cancer Treatment discusses the increased financial burdens and pressures that cancer patients and survivors often experience. Learn more about financial toxicity, risk factors, and ways to reduce financial distress in this expert-reviewed summary.

  12. Quo Vadis? The Capability Space and New Directions for the Philosophy of Educational Research

    ERIC Educational Resources Information Center

    Hart, Caroline Sarojini

    2009-01-01

    Amartya Sen's capability approach creates an evaluative space within which individual well-being is considered in ways that diverge from dominant utilitarian views. Instead of measuring well-being based on the accumulation of wealth and resources by individuals and nations, the capability approach focuses on the opportunities (capabilities) an…

  13. Parental Financial Assistance and Young Adults’ Relationships With Parents and Well-Being

    PubMed Central

    Johnson, Monica Kirkpatrick

    2013-01-01

    Drawing on data from the National Longitudinal Study of Adolescent Health, this study examined the impact of parental financial assistance on young adults’ relationships with parents and well-being. Conditional change models were estimated to evaluate the effects of parental financial assistance reported in Wave 3 (ages 18 – 26) and Wave 4 (ages 24 – 32) of the study. The results (Ns ranged from 9,128 to 13,389 across outcomes) indicated that financial assistance was positively associated with changes in depressive symptoms and closeness to both mothers and fathers in both periods. Changes in self-esteem were less robustly linked to parental financial assistance. Although the observed pattern with respect to parent – child relations held regardless of the progress young people had made in the transition to adulthood, the effects for well-being, which were also relatively small in magnitude, did not. In particular, changes in depressive symptoms associated with financial assistance were concentrated among individuals occupying adult social roles. PMID:23935214

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

    PubMed

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

    2014-01-01

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

  15. Oak Ridge National Laboratory Core Competencies

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Roberto, J.B.; Anderson, T.D.; Berven, B.A.

    1994-12-01

    A core competency is a distinguishing integration of capabilities which enables an organization to deliver mission results. Core competencies represent the collective learning of an organization and provide the capacity to perform present and future missions. Core competencies are distinguishing characteristics which offer comparative advantage and are difficult to reproduce. They exhibit customer focus, mission relevance, and vertical integration from research through applications. They are demonstrable by metrics such as level of investment, uniqueness of facilities and expertise, and national impact. The Oak Ridge National Laboratory (ORNL) has identified four core competencies which satisfy the above criteria. Each core competencymore » represents an annual investment of at least $100M and is characterized by an integration of Laboratory technical foundations in physical, chemical, and materials sciences; biological, environmental, and social sciences; engineering sciences; and computational sciences and informatics. The ability to integrate broad technical foundations to develop and sustain core competencies in support of national R&D goals is a distinguishing strength of the national laboratories. The ORNL core competencies are: 9 Energy Production and End-Use Technologies o Biological and Environmental Sciences and Technology o Advanced Materials Synthesis, Processing, and Characterization & Neutron-Based Science and Technology. The distinguishing characteristics of each ORNL core competency are described. In addition, written material is provided for two emerging competencies: Manufacturing Technologies and Computational Science and Advanced Computing. Distinguishing institutional competencies in the Development and Operation of National Research Facilities, R&D Integration and Partnerships, Technology Transfer, and Science Education are also described. Finally, financial data for the ORNL core competencies are summarized in the appendices.« less

  16. Development of Spreadsheet-Based Integrated Transaction Processing Systems and Financial Reporting Systems

    NASA Astrophysics Data System (ADS)

    Ariana, I. M.; Bagiada, I. M.

    2018-01-01

    Development of spreadsheet-based integrated transaction processing systems and financial reporting systems is intended to optimize the capabilities of spreadsheet in accounting data processing. The purpose of this study are: 1) to describe the spreadsheet-based integrated transaction processing systems and financial reporting systems; 2) to test its technical and operational feasibility. This study type is research and development. The main steps of study are: 1) needs analysis (need assessment); 2) developing spreadsheet-based integrated transaction processing systems and financial reporting systems; and 3) testing the feasibility of spreadsheet-based integrated transaction processing systems and financial reporting systems. The technical feasibility include the ability of hardware and operating systems to respond the application of accounting, simplicity and ease of use. Operational feasibility include the ability of users using accounting applications, the ability of accounting applications to produce information, and control applications of the accounting applications. The instrument used to assess the technical and operational feasibility of the systems is the expert perception questionnaire. The instrument uses 4 Likert scale, from 1 (strongly disagree) to 4 (strongly agree). Data were analyzed using percentage analysis by comparing the number of answers within one (1) item by the number of ideal answer within one (1) item. Spreadsheet-based integrated transaction processing systems and financial reporting systems integrate sales, purchases, and cash transaction processing systems to produce financial reports (statement of profit or loss and other comprehensive income, statement of changes in equity, statement of financial position, and statement of cash flows) and other reports. Spreadsheet-based integrated transaction processing systems and financial reporting systems is feasible from the technical aspects (87.50%) and operational aspects (84.17%).

  17. 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…

  18. Ensemble Statistical Post-Processing of the National Air Quality Forecast Capability: Enhancing Ozone Forecasts in Baltimore, Maryland

    NASA Technical Reports Server (NTRS)

    Garner, Gregory G.; Thompson, Anne M.

    2013-01-01

    An ensemble statistical post-processor (ESP) is developed for the National Air Quality Forecast Capability (NAQFC) to address the unique challenges of forecasting surface ozone in Baltimore, MD. Air quality and meteorological data were collected from the eight monitors that constitute the Baltimore forecast region. These data were used to build the ESP using a moving-block bootstrap, regression tree models, and extreme-value theory. The ESP was evaluated using a 10-fold cross-validation to avoid evaluation with the same data used in the development process. Results indicate that the ESP is conditionally biased, likely due to slight overfitting while training the regression tree models. When viewed from the perspective of a decision-maker, the ESP provides a wealth of additional information previously not available through the NAQFC alone. The user is provided the freedom to tailor the forecast to the decision at hand by using decision-specific probability thresholds that define a forecast for an ozone exceedance. Taking advantage of the ESP, the user not only receives an increase in value over the NAQFC, but also receives value for An ensemble statistical post-processor (ESP) is developed for the National Air Quality Forecast Capability (NAQFC) to address the unique challenges of forecasting surface ozone in Baltimore, MD. Air quality and meteorological data were collected from the eight monitors that constitute the Baltimore forecast region. These data were used to build the ESP using a moving-block bootstrap, regression tree models, and extreme-value theory. The ESP was evaluated using a 10-fold cross-validation to avoid evaluation with the same data used in the development process. Results indicate that the ESP is conditionally biased, likely due to slight overfitting while training the regression tree models. When viewed from the perspective of a decision-maker, the ESP provides a wealth of additional information previously not available through the NAQFC alone

  19. Financial reporting.

    PubMed

    Bachrach, D J; Farrell, N L

    1985-01-01

    "How are we doing?" Financial reports must provide the answer to this all-important question for every medical group. Although there are some key differences between academic practices and private group practices, good financial reports and statements of activity are essential in all situations. Examples are provided here of how financial information can be communicated to the several organizational levels that need the information, as well as how financial planning, measurement, and control are part of this communication process. Sample formats outline the important ingredients for making your group's reports more useful.

  20. National Aeronautics and Space Administration Fiscal Year 2001 Accountability Report

    NASA Technical Reports Server (NTRS)

    2002-01-01

    The National Aeronautics and Space Administration (NASA) is an independent Agency established to plan and manage the future of the Nation's civil aeronautics and space program. This Accountability Report covers Federal Fiscal Year (FY) 2001 (October 1, 2000, through September 30, 2001), with discussion of some subsequent events. The Report contains an overview addressing the Agency's critical programs and financial performance and includes highlights of performance organized by goals and objectives of the Enterprises and Crosscutting Processes. The Report also summarizes NASA's stewardship over budget and financial resources, including audited financial statements and footnotes. The financial statements reflect an overall position of offices and activities, including assets and liabilities, as well as results of operations, pursuant to requirements of Federal law (31 U.S.C. 3515(b)). The auditor's opinions on NASA's financial statements, reports on internal controls, and compliance with laws and regulations are included in this report.

  1. Fairness of Financial Contribution in Iranian Health System: Trend Analysis of National Household Income and Expenditure, 2003-2010.

    PubMed

    Fazaeli, Amir Abbas; Seyedin, Hesam; Vosoogh Moghaddam, Abbas; Delavari, Alireza; Salimzadeh, H; Varmazyar, Hasan; Fazaeli, Ali Akbar

    2015-03-18

    Social systems are dealing with the challenge of achieving fairness in the distribution of financial burden and protecting the risk of financial loss. The purpose of this paper is to present a trend analysis for the indicators related to fairness in healthcare's financial burden in rural and urban population of Iran during the eight years period of 2003 to 2010. We used the information gathered by statistical center of Iran through sampling processes for the household income and expenditures. The indicators of fairness in financial contribution of healthcare were calculated based on the WHO recommended methodology. The indices trend analysis of eight-year period for the rural, urban areas and the country level were computed. This study shows that in Iran the fairness of financial contribution index during the eight-year period has been decreased from 0.841 in 2003 to above 0.827 in 2010 and The percentage of people with catastrophic health expenditures has been increased from 2.3% to above 3.1%. The ratio of total treatment costs to the household overall capacity to pay has been increased from 0.055 to 0.068 and from 0.072 to 0.0818 in urban and rural areas respectively. There is a decline in fairness of financial contribution index during the study period. While, a trend stability of the proportion of households who suffered catastrophic health expenditures was found.

  2. 75 FR 28777 - Information Collection; Financial Information Security Request Form

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-24

    ...;and investigations, committee meetings, agency decisions and rulings, #0;delegations of authority... at the National Finance Center (NFC). The Forest Service uses employees and contractors to maintain these financial records. The employees and contractors must have access to NFC to perform their duties...

  3. 48 CFR 1852.242-73 - NASA contractor financial management reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... the Contractor's established financial management information system. (b) Lower level detail used by the Contractor for its own management purposes to validate information provided to NASA shall be... management reporting. 1852.242-73 Section 1852.242-73 Federal Acquisition Regulations System NATIONAL...

  4. 75 FR 10991 - National Consumer Protection Week, 2010

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-10

    .... Their decisions have far-reaching effects for both their financial well-being and our Nation's economic stability. National Consumer Protection Week (NCPW) gives all Americans an opportunity to become better...

  5. Undergraduates Who Do Not Apply for Financial Aid. Data Point. NCES 2016-406

    ERIC Educational Resources Information Center

    Ifill, Nicole

    2016-01-01

    This report is based on data from the 2011-12 National Postsecondary Student Aid Study (NPSAS:12), a large, nationally representative sample survey of students that focuses on how they finance their education. NPSAS includes data on the application for and receipt of financial aid, including grants, loans, assistantships, scholarships,…

  6. 32 CFR Appendix M to Part 275 - Format for Certificate of Compliance With the Right to Financial Privacy Act of 1978

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 2 2010-07-01 2010-07-01 false Format for Certificate of Compliance With the Right to Financial Privacy Act of 1978 M Appendix M to Part 275 National Defense Department of Defense... INSTITUTIONS: RIGHT TO FINANCIAL PRIVACY ACT OF 1978 Pt. 275, App. M Appendix M to Part 275—Format for...

  7. 32 CFR Appendix M to Part 275 - Format for Certificate of Compliance With the Right to Financial Privacy Act of 1978

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 2 2011-07-01 2011-07-01 false Format for Certificate of Compliance With the Right to Financial Privacy Act of 1978 M Appendix M to Part 275 National Defense Department of Defense... INSTITUTIONS: RIGHT TO FINANCIAL PRIVACY ACT OF 1978 Pt. 275, App. M Appendix M to Part 275—Format for...

  8. Nursing home financial performance: the role of ownership and chain affiliation.

    PubMed

    Weech-Maldonado, Robert; Laberge, Alex; Pradhan, Rohit; Johnson, Christopher E; Yang, Zhou; Hyer, Kathryn

    2012-01-01

    The nursing home industry serves one of the most vulnerable populations, and its financial sustainability is a matter of public concern. However, limited empirical evidence exists on the impact of ownership and chain affiliation on nursing home financial performance. The aim of this study was to examine the joint effects of ownership and chain affiliation on the financial performance of the nursing home industry for the study period 1999-2004 on a national sample of 11,236 nursing homes per year. Data included the Medicare Cost Reports; the Online Survey, Certification, and Reporting file; and the Area Resource File. Dependent variables included operating and total margins. Independent variables included four ownership/chain affiliation combinations: for-profit chain, for-profit independent, not-for-profit chain, and not-for-profit independent. Random effects generalized least square regressions were performed. Results show that for-profit nursing homes delivered better financial performance than not-for-profit facilities did across both operating and total margins. However, the relationship between chain affiliation and financial performance was more nuanced. In the case of operating margin, chain-affiliated facilities delivered superior financial performance irrespective of ownership type; however, in the case of total margin, independents outperformed chain-affiliated facilities among for-profits. Our findings show an interactive effect of ownership and chain affiliation on nursing home financial performance, suggesting the pursuit of different organizational strategies by different ownership/chain affiliation subgroups (for-profit chain, for-profit independent, not-for-profit chain, and not-for-profit independent), with implications for financial performance. For-profit independent nursing homes managed to be the top performing group in terms of overall financial despite the operating financial advantage of for-profit chain-affiliated nursing homes. Similarly

  9. Financial Literacy and Financial Sophistication in the Older Population

    PubMed Central

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

    2017-01-01

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

  10. Financial Literacy and Financial Sophistication in the Older Population.

    PubMed

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

    2014-10-01

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

  11. Integrating physical and financial approaches to manage environmental financial risk

    NASA Astrophysics Data System (ADS)

    Characklis, Gregory; Meyer, Eliot; Foster, Benjamin

    2017-04-01

    Physical and/or engineered solutions have long been used to manage risks associated with adverse environmental events. Examples include reservoirs as a tool for mitigating drought-related supply risk, levees for managing flood risk and dredging of inland waterways to ensure navigability during low flow periods. These measures can reduce many types of risk (e.g., loss of life), but are often employed as a means of protecting against financial losses. When the focus is on managing environmental financial risk, physical solutions can be effective, but also costly. In many cases, non-physical tools can provide a less expensive means of managing financial risk, with these often taking the form of financial instruments such as hedging contracts, contingency funds or insurance. Some of these instruments, such as flood insurance, are widely available, but historically many environmental financial risks have been managed primarily (or solely) via physical solutions without much consideration of alternatives, thereby opening opportunities for innovation in developing financial solutions. Recent research has demonstrated that financial instruments can play a significant role in managing drought-related financial risk in sectors as diverse as water utilities, energy generation and inland navigation. Nonetheless, this work has largely considered the use of these instruments within systems in which physical solutions are already in place (but failing to achieve desired performance). The next step in the evolution of managing environmental financial risk involves developing methods for designing risk management strategies that do not assume an established physical system. Here the goal is to identify the relative role that physical solutions and financial instruments should play as they are integrated into a comprehensive risk management strategy. This is not a straightforward challenge as one approach reduces the risk of financial losses and the other redistributes those losses

  12. 40 CFR 35.9070 - National program assistance agreements.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... FEDERAL ASSISTANCE STATE AND LOCAL ASSISTANCE Financial Assistance for the National Estuary Program § 35... award of NEP funds for work that has broad applicability to estuaries of national significance. These...

  13. 40 CFR 35.9070 - National program assistance agreements.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... FEDERAL ASSISTANCE STATE AND LOCAL ASSISTANCE Financial Assistance for the National Estuary Program § 35... award of NEP funds for work that has broad applicability to estuaries of national significance. These...

  14. 40 CFR 35.9070 - National program assistance agreements.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... FEDERAL ASSISTANCE STATE AND LOCAL ASSISTANCE Financial Assistance for the National Estuary Program § 35... award of NEP funds for work that has broad applicability to estuaries of national significance. These...

  15. 40 CFR 35.9070 - National program assistance agreements.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... FEDERAL ASSISTANCE STATE AND LOCAL ASSISTANCE Financial Assistance for the National Estuary Program § 35... award of NEP funds for work that has broad applicability to estuaries of national significance. These...

  16. 40 CFR 35.9070 - National program assistance agreements.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... FEDERAL ASSISTANCE STATE AND LOCAL ASSISTANCE Financial Assistance for the National Estuary Program § 35... award of NEP funds for work that has broad applicability to estuaries of national significance. These...

  17. Capabilities of the RENEB network for research and large scale radiological and nuclear emergency situations.

    PubMed

    Monteiro Gil, Octávia; Vaz, Pedro; Romm, Horst; De Angelis, Cinzia; Antunes, Ana Catarina; Barquinero, Joan-Francesc; Beinke, Christina; Bortolin, Emanuela; Burbidge, Christopher Ian; Cucu, Alexandra; Della Monaca, Sara; Domene, Mercedes Moreno; Fattibene, Paola; Gregoire, Eric; Hadjidekova, Valeria; Kulka, Ulrike; Lindholm, Carita; Meschini, Roberta; M'Kacher, Radhia; Moquet, Jayne; Oestreicher, Ursula; Palitti, Fabrizio; Pantelias, Gabriel; Montoro Pastor, Alegria; Popescu, Irina-Anca; Quattrini, Maria Cristina; Ricoul, Michelle; Rothkamm, Kai; Sabatier, Laure; Sebastià, Natividad; Sommer, Sylwester; Terzoudi, Georgia; Testa, Antonella; Trompier, François; Vral, Anne

    2017-01-01

    To identify and assess, among the participants in the RENEB (Realizing the European Network of Biodosimetry) project, the emergency preparedness, response capabilities and resources that can be deployed in the event of a radiological or nuclear accident/incident affecting a large number of individuals. These capabilities include available biodosimetry techniques, infrastructure, human resources (existing trained staff), financial and organizational resources (including the role of national contact points and their articulation with other stakeholders in emergency response) as well as robust quality control/assurance systems. A survey was prepared and sent to the RENEB partners in order to acquire information about the existing, operational techniques and infrastructure in the laboratories of the different RENEB countries and to assess the capacity of response in the event of radiological or nuclear accident involving mass casualties. The survey focused on several main areas: laboratory's general information, country and staff involved in biological and physical dosimetry; retrospective assays used, the number of assays available per laboratory and other information related to biodosimetry and emergency preparedness. Following technical intercomparisons amongst RENEB members, an update of the survey was performed one year later concerning the staff and the available assays. The analysis of RENEB questionnaires allowed a detailed assessment of existing capacity of the RENEB network to respond to nuclear and radiological emergencies. This highlighted the key importance of international cooperation in order to guarantee an effective and timely response in the event of radiological or nuclear accidents involving a considerable number of casualties. The deployment of the scientific and technical capabilities existing within the RENEB network members seems mandatory, to help other countries with less or no capacity for biological or physical dosimetry, or countries

  18. Are Survivors Who Report Cancer-Related Financial Problems More Likely to Forgo or Delay Medical Care?

    PubMed Central

    Kent, Erin E.; Forsythe, Laura P.; Yabroff, K. Robin; Weaver, Kathryn E.; de Moor, Janet S.; Rodriguez, Juan L.; Rowland, Julia H.

    2015-01-01

    BACKGROUND Financial problems caused by cancer and its treatment can substantially affect survivors and their families and create barriers to seeking health care. METHODS The authors identified cancer survivors diagnosed as adults (n = 1556) from the nationally representative 2010 National Health Interview Survey. Using multivariable logistic regression analyses, the authors report sociodemographic, clinical, and treatment-related factors associated with perceived cancer-related financial problems and the association between financial problems and forgoing or delaying health care because of cost. Adjusted percentages using the predictive marginals method are presented. RESULTS Cancer-related financial problems were reported by 31.8% (95% confidence interval, 29.3%–34.5%) of survivors. Factors found to be significantly associated with cancer-related financial problems in survivors included younger age at diagnosis, minority race/ethnicity, history of chemotherapy or radiation treatment, recurrence or multiple cancers, and shorter time from diagnosis. After adjustment for covariates, respondents who reported financial problems were more likely to report delaying (18.3% vs 7.4%) or forgoing overall medical care (13.8% vs 5.0%), prescription medications (14.2% vs 7.6%), dental care (19.8% vs 8.3%), eyeglasses (13.9% vs 5.8%), and mental health care (3.9% vs 1.6%) than their counterparts without financial problems (all P<.05). CONCLUSIONS Cancer-related financial problems are not only disproportionately represented in survivors who are younger, members of a minority group, and have a higher treatment burden, but may also contribute to survivors forgoing or delaying medical care after cancer. PMID:23907958

  19. Are survivors who report cancer-related financial problems more likely to forgo or delay medical care?

    PubMed

    Kent, Erin E; Forsythe, Laura P; Yabroff, K Robin; Weaver, Kathryn E; de Moor, Janet S; Rodriguez, Juan L; Rowland, Julia H

    2013-10-15

    Financial problems caused by cancer and its treatment can substantially affect survivors and their families and create barriers to seeking health care. The authors identified cancer survivors diagnosed as adults (n=1556) from the nationally representative 2010 National Health Interview Survey. Using multivariable logistic regression analyses, the authors report sociodemographic, clinical, and treatment-related factors associated with perceived cancer-related financial problems and the association between financial problems and forgoing or delaying health care because of cost. Adjusted percentages using the predictive marginals method are presented. Cancer-related financial problems were reported by 31.8% (95% confidence interval, 29.3%-34.5%) of survivors. Factors found to be significantly associated with cancer-related financial problems in survivors included younger age at diagnosis, minority race/ethnicity, history of chemotherapy or radiation treatment, recurrence or multiple cancers, and shorter time from diagnosis. After adjustment for covariates, respondents who reported financial problems were more likely to report delaying (18.3% vs 7.4%) or forgoing overall medical care (13.8% vs 5.0%), prescription medications (14.2% vs 7.6%), dental care (19.8% vs 8.3%), eyeglasses (13.9% vs 5.8%), and mental health care (3.9% vs 1.6%) than their counterparts without financial problems (all P<.05). Cancer-related financial problems are not only disproportionately represented in survivors who are younger, members of a minority group, and have a higher treatment burden, but may also contribute to survivors forgoing or delaying medical care after cancer. Copyright © 2013 American Cancer Society.

  20. Determining the Financial Impact of Flood Hazards in Ungaged Basins

    NASA Astrophysics Data System (ADS)

    Cotterman, K. A.; Gutenson, J. L.; Pradhan, N. R.; Byrd, A.

    2017-12-01

    Many portions of the Earth lack adequate authoritative or in situ data that is of great value in determining natural hazard vulnerability from both anthropogenic and physical perspective. Such locations include the majority of developing nations, which do not possess adequate warning systems and protective infrastructure. The lack of warning and protection from natural hazards make these nations vulnerable to the destructive power of events such as floods. The goal of this research is to demonstrate an initial workflow with which to characterize flood financial hazards with global datasets and crowd-sourced, non-authoritative data in ungagged river basins. This workflow includes the hydrologic and hydraulic response of the watershed to precipitation, characterized by the physics-based modeling application Gridded Surface-Subsurface Hydrologic Analysis (GSSHA) model. In addition, data infrastructure and resources are available to approximate the human impact of flooding. Open source, volunteer geographic information (VGI) data can provide global coverage of elements at risk of flooding. Additional valuation mechanisms can then translate flood exposure into percentage and financial damage to each building. The combinations of these tools allow the authors to remotely assess flood hazards with minimal computational, temporal, and financial overhead. This combination of deterministic and stochastic modeling provides the means to quickly characterize watershed flood vulnerability and will allow emergency responders and planners to better understand the implications of flooding, both spatially and financially. In either a planning, real-time, or forecasting scenario, the system will assist the user in understanding basin flood vulnerability and increasing community resiliency and preparedness.

  1. Signaling the End of Deterrence Afforded by Dual Capable Aircraft

    DTIC Science & Technology

    2017-04-06

    INTRODUCTION For more than 60 years, the Unites States and Europe relied on fighter aircraft capable of executing conventional and nuclear strike...missions. Known as dual-capable aircraft (DCA), these fighters were an integral part of the US extended nuclear deterrence strategy in Asia and Europe...force structure, sustainment and modernization by the US and Allied nations allowed tactical nuclear forces to atrophy. Starting in 2010, the US and

  2. Comparative Financial Statistics for Public Two-Year Colleges: FY 1993 Peer Group Sample.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Meeker, Bradley

    Comparative financial information derived from a national sample of 516 two-year colleges is presented in this report for fiscal year 1992-93, including statistics for the national sample and for six peer groups. The report's nine sections focus on: (1) introductory information about the study's background, objectives, and sample; the National…

  3. E-prescription as a tool for improving services and the financial viability of healthcare systems: the case of the Greek national e-prescription system.

    PubMed

    Pangalos, G; Sfyroeras, V; Pagkalos, I

    2014-01-01

    E-prescription systems can help improve patient service, safety and quality of care. They can also help achieve better compliance for the patients and better alignment with the guidelines for the practitioners. The recently implemented national e-prescription system in Greece already covers approximately 85% of all prescriptions prescribed in Greece today (approximately 5.5 million per month). The system has not only contributed already in significant changes towards improving services and better monitoring and planning of public health, but also substantially helped to contain unnecessary expenditure related to medication use and improve transparency and administrative control. Such issues have gained increasing importance not only for Greece but also for many other national healthcare systems that have to cope with the continuous rise of medication expenditure. Our implementation has, therefore, shown that besides their importance for improving services, national e-prescription systems can also provide a valuable tool for better utilisation of resources and for containing unnecessary healthcare costs, thus contributing to the improvement of the financial stability and viability of the overall healthcare system.

  4. Capability challenges of facility management (FM) personnel toward sustainability agenda

    NASA Astrophysics Data System (ADS)

    Halim, Ahmad Ilyas Ahmad; Sarpin, Norliana; Kasim, Narimah Binti; Zainal, Rozlin Binti

    2017-10-01

    The industries business play a significant role to contribute toward economic growth in develop and developing country. However, they always face serious problems such as time overrun, waste generation, and cost overrun during their operation and maintenance. Traditional practice is found unable to control that situation. These challenges accent the need for practitioners to rethink and improve their process management. This show that industries business has major potential when applying sustainable development by focusing on three pillars (economic, environment, and social). By adopting sustainability, it can reduce energy consumption and waste, while increasing productivity, financial return and corporate standing in community. FM personnel are most suitable position to lead organizations toward sustainability implementation. However, lack of skill and capability among FM personnel to achieve sustainable goal had become barrier that need to overcome. This paper focus to identify capability challenges of FM personnel toward sustainability. A multiple researches were conducted and data were gathered through literature review from previous studies.

  5. Purple Computational Environment With Mappings to ACE Requirements for the General Availability User Environment Capabilities

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Barney, B; Shuler, J

    2006-08-21

    Purple is an Advanced Simulation and Computing (ASC) funded massively parallel supercomputer located at Lawrence Livermore National Laboratory (LLNL). The Purple Computational Environment documents the capabilities and the environment provided for the FY06 LLNL Level 1 General Availability Milestone. This document describes specific capabilities, tools, and procedures to support both local and remote users. The model is focused on the needs of the ASC user working in the secure computing environments at Los Alamos National Laboratory, Lawrence Livermore National Laboratory, and Sandia National Laboratories, but also documents needs of the LLNL and Alliance users working in the unclassified environment. Additionally,more » the Purple Computational Environment maps the provided capabilities to the Trilab ASC Computing Environment (ACE) Version 8.0 requirements. The ACE requirements reflect the high performance computing requirements for the General Availability user environment capabilities of the ASC community. Appendix A lists these requirements and includes a description of ACE requirements met and those requirements that are not met for each section of this document. The Purple Computing Environment, along with the ACE mappings, has been issued and reviewed throughout the Tri-lab community.« less

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

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... address, and business phone number; (ii) The identity of the customer or customers to whom the records... 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...

  7. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... address, and business phone number; (ii) The identity of the customer or customers to whom the records... 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...

  8. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... address, and business phone number; (ii) The identity of the customer or customers to whom the records... 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...

  9. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... address, and business phone number; (ii) The identity of the customer or customers to whom the records... 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...

  10. A Description of the Development, Capabilities, and Operational Status of the Test SLATE Data Acquisition System at the National Transonic Facility

    NASA Technical Reports Server (NTRS)

    Cramer, Christopher J.; Wright, James D.; Simmons, Scott A.; Bobbitt, Lynn E.; DeMoss, Joshua A.

    2015-01-01

    The paper will present a brief background of the previous data acquisition system at the National Transonic Facility (NTF) and the reasoning and goals behind the upgrade to the current Test SLATE (Test Software Laboratory and Automated Testing Environments) data acquisition system. The components, performance characteristics, and layout of the Test SLATE system within the NTF control room will be discussed. The development, testing, and integration of Test SLATE within NTF operations will be detailed. The operational capabilities of the system will be outlined including: test setup, instrumentation calibration, automatic test sequencer setup, data recording, communication between data and facility control systems, real time display monitoring, and data reduction. The current operational status of the Test SLATE system and its performance during recent NTF testing will be highlighted including high-speed, frame-by-frame data acquisition with conditional sampling post-processing applied. The paper concludes with current development work on the system including the capability for real-time conditional sampling during data acquisition and further efficiency enhancements to the wind tunnel testing process.

  11. 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 the 2010…

  12. Racial and ethnic disparities in the financial burden of prescription drugs among older Americans.

    PubMed

    Xu, K Tom; Borders, Tyrone F

    2007-01-01

    This study examines racial and ethnic disparities in the financial burden of prescription drugs among older Americans using a market and an egalitarian model. A nationally representative data set, the Medical Expenditure Panel Survey 2002, was used. The financial burden of prescription drugs was measured by the out-of-pocket expenditure and proportion. In the market model (utilization adjustment)., utilization was measured at the annual aggregate level by the total number of prescription drugs, the average refills and the average quantity per prescription drug. In the egalitarian model (need adjustment)., health was measured by 15 chronic and costly diseases and the SF-12. Individuals 65 years or older were included. Nationally representative estimates were calculated. Raw racial and ethnic disparities were observed in the bivariate analyses between non-Hispanic whites and Hispanics in the out-of-pocket expenditure and proportion, and between non-Hispanic whites and non-Hispanic blacks in the out-of-pocket proportion. However, these disparities disappeared after controlling for utilization or health needs. Insurance status contributed the most to the disparities in the financial burden of prescription drugs. In conclusion, The disparities in the financial burden of prescription drugs between non-Hispanic elderly whites and Hispanics may be attributable to differences in utilization patterns. However, whether health disparities contribute to disparities in the financial burden of prescription drugs requires studies of specific diseases.

  13. Building EOS capability for Malaysia - the options

    NASA Astrophysics Data System (ADS)

    Subari, M. D.; Hassan, A.

    2014-06-01

    Earth observation satellite (EOS) is currently a major tool to monitor earth dynamics and increase human understanding of earth surface process. Since the early 80s, Malaysia has been using EOS images for various applications, such as weather forecasting, land use mapping, agriculture, environment monitoring and others. Until now, all EOS images were obtained from foreign satellite systems. Realising on the strategic need of having its own capability, Malaysia embarked into EOS development programs in the early 90s. Starting with TiungSAT-1, a micro-satellite carrying small camera, then followed by RazakSAT, a small satellite carrying 2.5 m panchromatic (PAN) medium-aperture-camera, the current satellite program development, the RazakSAT-2, designed to carry a 1.0 m high resolution PAN and 4.0m multi-spectral camera, would become a strategic initiative of the government in developing and accelerating the nation's capability in the area of satellite technology and its application. Would this effort continue until all needs of the remote sensing community being fulfilled by its own EOS? This paper will analyze the intention of the Malaysian government through its National Space Policy and other related policy documents, and proposes some policy options on this. Key factors to be considered are specific data need of the EOS community, data availability and the more subjective political motivations such as national pride.

  14. Fairness of Financial Contribution in Iranian Health System: Trend Analysis of National Household Income and Expenditure, 2003-2010

    PubMed Central

    Fazaeli, Amir Abbas; Seyedin, Hesam; Moghaddam, Abbas Vosoogh; Delavari, Alireza; Salimzadeh, H.; Varmazyar, Hasan; Fazaeli, Ali Akbar

    2015-01-01

    Background: Social systems are dealing with the challenge of achieving fairness in the distribution of financial burden and protecting the risk of financial loss. The purpose of this paper is to present a trend analysis for the indicators related to fairness in healthcare’s financial burden in rural and urban population of Iran during the eight years period of 2003 to 2010. Methods: We used the information gathered by statistical center of Iran through sampling processes for the household income and expenditures. The indicators of fairness in financial contribution of healthcare were calculated based on the WHO recommended methodology. The indices trend analysis of eight-year period for the rural, urban areas and the country level were computed. Results: This study shows that in Iran the fairness of financial contribution index during the eight-year period has been decreased from 0.841 in 2003 to above 0.827 in 2010 and The percentage of people with catastrophic health expenditures has been increased from 2.3% to above 3.1%. The ratio of total treatment costs to the household overall capacity to pay has been increased from 0.055 to 0.068 and from 0.072 to 0.0818 in urban and rural areas respectively. Conclusion: There is a decline in fairness of financial contribution index during the study period. While, a trend stability of the proportion of households who suffered catastrophic health expenditures was found. PMID:26156920

  15. Higher Education: Special Interest or National Asset?

    ERIC Educational Resources Information Center

    Skorton, David J.

    2008-01-01

    The deepening financial crisis that is now affecting markets and people around the globe gives new context to what the nation is facing. Americans cannot think of business as usual in any sector of public or private life, including higher education. President-elect Barack Obama will have very little financial latitude and enormous immediate…

  16. Financial Literacy and Long- and Short-Term Financial Behavior in Different Age Groups

    ERIC Educational Resources Information Center

    Henager, Robin; Cude, Brenda J.

    2016-01-01

    The purpose of this study was to examine the relationship between financial literacy and financial behaviors among various age groups. Financial literacy was measured in three ways: objective financial knowledge, subjective financial knowledge or confidence, and subjective financial management ability. The age groups were 18-24, 25-34, 35-44,…

  17. Los Alamos National Laboratory Economic Analysis Capability Overview

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Boero, Riccardo; Edwards, Brian Keith; Pasqualini, Donatella

    Los Alamos National Laboratory has developed two types of models to compute the economic impact of infrastructure disruptions. FastEcon is a fast running model that estimates first-­order economic impacts of large scale events such as hurricanes and floods and can be used to identify the amount of economic activity that occurs in a specific area. LANL’s Computable General Equilibrium (CGE) model estimates more comprehensive static and dynamic economic impacts of a broader array of events and captures the interactions between sectors and industries when estimating economic impacts.

  18. Essential SpaceWire Hardware Capabilities for a Robust Network

    NASA Technical Reports Server (NTRS)

    Birmingham, Michael; Krimchansky, Alexander; Anderson, William; Lombardi, Matthew

    2016-01-01

    The Geostationary Operational Environmental Satellite R-Series Program (GOES-R) mission is a joint program between National Oceanic & Atmospheric Administration (NOAA) and National Aeronautics & Space Administration (NASA) Goddard Space Flight Center (GSFC). GOES-R project selected SpaceWire as the best solution to satisfy the desire for simple and flexible instrument to spacecraft command and telemetry communications. GOES-R development and integration is complete and the observatory is scheduled for launch October 2016. The spacecraft design was required to support redundant SpaceWire links for each instrument side, as well as to route the fewest number of connections through a Slip Ring Assembly necessary to support Solar pointing instruments. The final design utilized two different router designs. The SpaceWire standard alone does not ensure the most practical or reliable network. On GOES-R a few key hardware capabilities were identified that merit serious consideration for future designs. Primarily these capabilities address persistent port stalls and the prevention of receive buffer overflows. Workarounds were necessary to overcome shortcomings that could be avoided in future designs if they utilize the capabilities, discussed in this paper, above and beyond the requirements of the SpaceWire standard.

  19. The financial performance of rural hospitals and implications for elimination of the Critical Access Hospital program.

    PubMed

    Holmes, George M; Pink, George H; Friedman, Sarah A

    2013-01-01

    To compare the financial performance of rural hospitals with Medicare payment provisions to those paid under prospective payment and to estimate the financial consequences of elimination of the Critical Access Hospital (CAH) program. Financial data for 2004-2010 were collected from the Healthcare Cost Reporting Information System (HCRIS) for rural hospitals. HCRIS data were used to calculate measures of the profitability, liquidity, capital structure, and financial strength of rural hospitals. Linear mixed models accounted for the method of Medicare reimbursement, time trends, hospital, and market characteristics. Simulations were used to estimate profitability of CAHs if they reverted to prospective payment. CAHs generally had lower unadjusted financial performance than other types of rural hospitals, but after adjustment for hospital characteristics, CAHs had generally higher financial performance. Special payment provisions by Medicare to rural hospitals are important determinants of financial performance. In particular, the financial condition of CAHs would be worse if they were paid under prospective payment. © 2012 National Rural Health Association.

  20. 75 FR 58363 - Membership of the National Oceanic and Atmospheric Administration Performance Review Board

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-24

    ...: Louisa Koch, Director, Office of Education Office of Education. Maureen E. Wylie, Chief Financial Officer Office of the Chief Financial Officer. Rebecca J. Lent, Director, International Affairs National Marine.... Culpepper, Chief Human Capital Officer National Institute of Standards and Technology, DOC. Charles S. Baker...

  1. Comparative Financial Statistics for Public Two-Year Colleges: FY 1995 Peer Groups Sample.

    ERIC Educational Resources Information Center

    Meeker, Bradley

    Comparative financial information derived from a national sample of 405 two-year colleges is presented in this report for fiscal year 1994-95, including data for the national sample and for 6groups of peer institutions. The first section provides introductory information on the annual study, discussing the study sample and the use of study…

  2. Comparative Financial Statistics for Public Two-Year Colleges: FY 1994 Peer Groups Sample.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Meeker, Bradley

    Comparative financial information derived from a national sample of 427 two-year colleges is presented in this report for fiscal year 1993-94, including data for the national sample and 6 groups of peer institutions. The first section provides introductory information on the annual study, reviewing the objectives of the study and potential uses of…

  3. Plan, Save, Succeed! Financial Literacy Poster/Teaching Guide. Expect the Unexpected with Math[R

    ERIC Educational Resources Information Center

    Actuarial Foundation, 2013

    2013-01-01

    "Plan, Save, Succeed!" is a new program aligned with Jumpstart Coalition National Standards in K-12 Personal Finance Education, National Council of Teachers of Mathematics (NCTM) Standards, and Common Core Standards for Mathematical Practice. "Plan, Save, Succeed!" is designed to help students understand key financial literacy topics including…

  4. Financial Adaptation among College Students: Helping Students Cope with Financial Strain

    ERIC Educational Resources Information Center

    Serido, Joyce; Shim, Soyeon; Xiao, Jing Jian; Tang, Chuanyi; Card, Noel A.

    2014-01-01

    This study examines the impact of the recent financial crisis on co-occurring patterns of change in financial strain and financial coping behaviors of college students (N = 748) using two-timed, longitudinal data collected prior to the 2008 financial crisis and again one year later. Using a stress and coping framework, we found that different…

  5. A Fast Response Capability within NOAA/NOS/CO-OPS

    DTIC Science & Technology

    2007-01-01

    A Fast Response Capability within NOAA/NOS/CO-OPS P. B. Burke NOAA/National Ocean Service/CO-OPS 1305 East-West Hwy. Silver Spring, MD 20910...USA pat.burke@noaa.gov T. Graff NOAA/National Ocean Service/CO-OPS 1305 East-West Hwy. Silver Spring, MD 20910 USA tammy.graff@noaa.gov... flotation hull, an instrumentation tower mounted atop the hull and a current meter mount with a mooring attachment. The triangular tower housed two

  6. Financial burden of household out-of-pocket expenditures for prescription drugs: Cross-sectional analysis based on national survey data

    PubMed Central

    McLeod, Logan; Bereza, Basil G; Shim, Minsup; Grootendorst, Paul

    2011-01-01

    Background Commentaries on the adequacy of insurance coverage for prescription drugs available to Canadians have emphasized differences in the coverage provided by different provincial governments. Less is known about the actual financial burden of prescription drug spending and how this burden varies by province of residence, affluence and source of primary drug coverage. Methods We used data from a nationally representative household expenditure survey to analyze the financial burden of prescription drugs. We focused on the drug budget share (defined as the share of the household budget spent on prescription drugs), considering how it varied by province, total household budget and likely primary source of drug insurance coverage (i.e., provincial government plan for senior citizens, social assistance plan or private coverage). We examined both “typical” households (at the median of the distribution of the drug budget share) and households with relatively large shares (in the top 5%). Finally, we estimated the percentage of households with catastrophic drug expenditures (defined as a drug budget share of 10% or more) and the average catastrophic drug expenditures. Results Senior, social assistance and general population households accounted for 21.1%, 8.9% and 69.9% of the sample of 14 430 respondents to the 2006 Survey of Household Spending, respectively. The median drug budget share in Canada was 1.1% for senior households (range 0.4% [Ontario] to 3.6% [Saskatchewan]) and 0.1% for both social assistance households and general population households, with little appreciable variation across provinces for these latter 2 categories. The 95th percentile drug budget share in Canada was 7.4% for senior households (range 3.5% [Ontario] to 12.7% [Saskatchewan]), 5.4% for social assistance households (range 2.3% [British Columbia] to 13.0% [Prince Edward Island]) and 2.6% for general population households (range 2.1% [Ontario] to 5.4% [Prince Edward Island]). The

  7. Requirements Development for Interoperability Simulation Capability for Law Enforcement

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Holter, Gregory M.

    2004-05-19

    The National Counterdrug Center (NCC) was initially authorized by Congress in FY 1999 appropriations to create a simulation-based counterdrug interoperability training capability. As the lead organization for Research and Analysis to support the NCC, the Pacific Northwest National Laboratory (PNNL) was responsible for developing the requirements for this interoperability simulation capability. These requirements were structured to address the hardware and software components of the system, as well as the deployment and use of the system. The original set of requirements was developed through a process of conducting a user-based survey of requirements for the simulation capability, coupled with an analysismore » of similar development efforts. The user-based approach ensured that existing concerns with respect to interoperability within the law enforcement community would be addressed. Law enforcement agencies within the designated pilot area of Cochise County, Arizona, were surveyed using interviews and ride-alongs during actual operations. The results of this survey were then accumulated, organized, and validated with the agencies to ensure the accuracy of the results. These requirements were then supplemented by adapting operational requirements from existing systems to ensure system reliability and operability. The NCC adopted a development approach providing incremental capability through the fielding of a phased series of progressively more capable versions of the system. This allowed for feedback from system users to be incorporated into subsequent revisions of the system requirements, and also allowed the addition of new elements as needed to adapt the system to broader geographic and geopolitical areas, including areas along the southwest and northwest U.S. borders. This paper addresses the processes used to develop and refine requirements for the NCC interoperability simulation capability, as well as the response of the law enforcement community to the

  8. Financial Statement: Major Deficiencies in Financial Reporting for Other Defense Organizations-General Funds

    DTIC Science & Technology

    2002-05-31

    Financial Statement May 31, 2002 Office of the Inspector General of the Department of Defense Major Deficiencies in Financial Reporting for Other...Subtitle Financial Statement: Major Deficiencies in Financial Reporting for Other Defense Organizations-General Funds Contract Number Grant Number...use the financial reports of the Other Defense Organizations-General Funds to make management decisions. It explains major financial reporting deficiencies

  9. Technical, Managerial and Financial (TMF) Capacity Resources for Small Drinking Water Systems

    EPA Pesticide Factsheets

    Resources are available to help public water systems build the technical, managerial and financial (TMF) capacity. TMF capacity is necessary to achieve and maintain long-term sustainability and compliance with national safe drinking water regulations.

  10. Using FTE and RVU performance measures to assess financial viability of academic nurse-managed centers.

    PubMed

    Vonderheid, Susan; Pohl, Joanne; Schafer, Patricia; Forrest, Kathy; Poole, Michele; Barkauskas, Violet; Mackey, Thomas A

    2004-01-01

    Financial performance measures are essential to improve the fiscal management of academic nurse-managed centers (ANMCs). Measures are compared among six ANMCs in a consortium and against an external, self-sustainable, profitable ANMC and national data for family practice physicians. Performance measures help identify a center's strengths and weaknesses facilitating the development of strategies aimed at a variety of targets (business practices related to revenue and costs) to improve financial viability. Using a variety of financial performance measures to inform decision making will aid ANMCs in keeping their doors open for business.

  11. Financial Incentives and Physician Practice Participation in Medicare's Value-Based Reforms.

    PubMed

    Markovitz, Adam A; Ramsay, Patricia P; Shortell, Stephen M; Ryan, Andrew M

    2017-07-26

    To evaluate whether greater experience and success with performance incentives among physician practices are related to increased participation in Medicare's voluntary value-based payment reforms. Publicly available data from Medicare's Physician Compare (n = 1,278; January 2012 to November 2013) and nationally representative physician practice data from the National Survey of Physician Organizations 3 (NSPO3; n = 907,538; 2013). We used regression analysis to examine practice-level relationships between prior exposure to performance incentives and participation in key Medicare value-based payment reforms: accountable care organization (ACO) programs, the Physician Quality Reporting System ("Physician Compare"), and the Meaningful Use of Health Information Technology program ("Meaningful Use"). Prior experience and success with financial incentives were measured as (1) the percentage of practices' revenue from financial incentives for quality or efficiency; and (2) practices' exposure to public reporting of quality measures. We linked physician participation data from Medicare's Physician Compare to the NSPO3 survey. There was wide variation in practices' exposure to performance incentives, with 64 percent exposed to financial incentives, 45 percent exposed to public reporting, and 2.2 percent of practice revenue coming from financial incentives. For each percentage-point increase in financial incentives, there was a 0.9 percentage-point increase in the probability of participating in ACOs (standard error [SE], 0.1, p < .001) and a 0.8 percentage-point increase in the probability of participating in Meaningful Use (SE, 0.1, p < .001), controlling for practice characteristics. Financial incentives were not associated with participation in Physician Compare. Among ACO participants, a 1 percentage-point increase in incentives was associated with a 0.7 percentage-point increase in the probability of being "very well" prepared to utilize cost and quality data

  12. Financial Decision-making Abilities and Financial Exploitation in Older African Americans: Preliminary Validity Evidence for the Lichtenberg Financial Decision Rating Scale (LFDRS)

    PubMed Central

    Ficker, Lisa J.; Rahman-Filipiak, Annalise

    2015-01-01

    This study examines preliminary evidence for the Lichtenberg Financial Decision Rating Scale (LFDRS), a new person-centered approach to assessing capacity to make financial decisions, and its relationship to self-reported cases of financial exploitation in 69 older African Americans. More than one third of individuals reporting financial exploitation also had questionable decisional abilities. Overall, decisional ability score and current decision total were significantly associated with cognitive screening test and financial ability scores, demonstrating good criterion validity. Financially exploited individuals, and non-exploited individuals, showed mean group differences on the Mini Mental State Exam, Financial Situational Awareness, Psychological Vulnerability, Current Decisional Ability, and Susceptibility to undue influence subscales, and Total Lichtenberg Financial Decision Rating Scale Score. Study findings suggest that impaired decisional abilities may render older adults more vulnerable to financial exploitation, and that the LFDRS is a valid tool for measuring both decisional abilities and financial exploitation. PMID:26285038

  13. Developing an operational capabilities index of the emergency services sector.

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Collins, M.J.; Eaton, L.K.; Shoemaker, Z.M.

    2012-02-20

    In order to enhance the resilience of the Nation and its ability to protect itself in the face of natural and human-caused hazards, the ability of the critical infrastructure (CI) system to withstand specific threats and return to normal operations after degradation must be determined. To fully analyze the resilience of a region and the CI that resides within it, both the actual resilience of the individual CI and the capability of the Emergency Services Sector (ESS) to protect against and respond to potential hazards need to be considered. Thus, a regional resilience approach requires the comprehensive consideration of allmore » parts of the CI system as well as the characterization of emergency services. This characterization must generate reproducible results that can support decision making with regard to risk management, disaster response, business continuity, and community planning and management. To address these issues, Argonne National Laboratory, in collaboration with the U.S. Department of Homeland Security (DHS) Sector Specific Agency - Executive Management Office, developed a comprehensive methodology to create an Emergency Services Sector Capabilities Index (ESSCI). The ESSCI is a performance metric that ranges from 0 (low level of capabilities) to 100 (high). Because an emergency services program has a high ESSCI, however, does not mean that a specific event would not be able to affect a region or cause severe consequences. And because a program has a low ESSCI does not mean that a disruptive event would automatically lead to serious consequences in a region. Moreover, a score of 100 on the ESSCI is not the level of capability expected of emergency services programs; rather, it represents an optimal program that would rarely be observed. The ESSCI characterizes the state of preparedness of a jurisdiction in terms of emergency and risk management. Perhaps the index's primary benefit is that it can systematically capture, at a given point in time

  14. The Student Guide. Five Federal Financial Aid Programs. 88-89.

    ERIC Educational Resources Information Center

    Department of Education, Washington, DC.

    Information on five U.S. Department of Education student financial aid programs and how to apply for them is presented: Pell Grants, Supplemental Educational Opportunity Grants, College Work-Study, Perkins Loans (formerly National Direct Student Loans), and Guaranteed Student Loans (Parent Loans to Undergraduate Students and Supplemental Loans for…

  15. 15 CFR 290.4 - Terms and schedule of financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... NATIONAL INSTITUTE OF STANDARDS AND TECHNOLOGY, DEPARTMENT OF COMMERCE NIST EXTRAMURAL PROGRAMS REGIONAL.... (a) NIST may provide financial support to any Center for a period not to exceed six years, subject to... assistance awards. NIST may not provide more than 50 percent of the capital and annual operating and...

  16. 15 CFR 290.4 - Terms and schedule of financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... NATIONAL INSTITUTE OF STANDARDS AND TECHNOLOGY, DEPARTMENT OF COMMERCE NIST EXTRAMURAL PROGRAMS REGIONAL.... (a) NIST may provide financial support to any Center for a period not to exceed six years, subject to... assistance awards. NIST may not provide more than 50 percent of the capital and annual operating and...

  17. 15 CFR 290.4 - Terms and schedule of financial assistance.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... NATIONAL INSTITUTE OF STANDARDS AND TECHNOLOGY, DEPARTMENT OF COMMERCE NIST EXTRAMURAL PROGRAMS REGIONAL.... (a) NIST may provide financial support to any Center for a period not to exceed six years, subject to... assistance awards. NIST may not provide more than 50 percent of the capital and annual operating and...

  18. 15 CFR 290.4 - Terms and schedule of financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... NATIONAL INSTITUTE OF STANDARDS AND TECHNOLOGY, DEPARTMENT OF COMMERCE NIST EXTRAMURAL PROGRAMS REGIONAL.... (a) NIST may provide financial support to any Center for a period not to exceed six years, subject to... assistance awards. NIST may not provide more than 50 percent of the capital and annual operating and...

  19. 15 CFR 290.4 - Terms and schedule of financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... NATIONAL INSTITUTE OF STANDARDS AND TECHNOLOGY, DEPARTMENT OF COMMERCE NIST EXTRAMURAL PROGRAMS REGIONAL.... (a) NIST may provide financial support to any Center for a period not to exceed six years, subject to... assistance awards. NIST may not provide more than 50 percent of the capital and annual operating and...

  20. Transformational Spaceport and Range Capabilities Roadmap Interim Review to National Research Council External Review Panel

    NASA Technical Reports Server (NTRS)

    Poniatowski, Karen

    2005-01-01

    Contents include the following: Overview/Introduction. Roadmap Approach/Considerations. Roadmap Timeline/Spirals. Requirements Development. Spaceport/Range Capabilities. Mixed Range Architecture. User Requirements/Customer Considerations. Manifest Considerations. Emerging Launch User Requirements. Capability Breakdown Structure/Assessment. Roadmap Team Observations. Transformational Range Test Concept. Roadmap Team Conclusions. Next Steps.