17 CFR 210.3-16 - Financial statements of affiliates whose securities collateralize an issue registered or being...

Code of Federal Regulations, 2013 CFR

2013-04-01

... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Financial statements of affiliates whose securities collateralize an issue registered or being registered. 210.3-16 Section 210.3-16... aggregate principal amount, par value, or book value of the securities as carried by the registrant, or the...

Financial security for women -- Fem Consult congress.

PubMed

1996-01-01

The nongovernmental organization "Fem Consult," which seeks to strengthen the socioeconomic position of women by applying a gender perspective to programs and projects in developing countries, celebrated its 10th anniversary in 1996 by holding a conference in the Netherlands on financial security for women in the developing world. During the conference, the President of the WWF (Working Women's Forum) described her agency's 17 years of experience in lending to impoverished rural and urban women in India. By extending microcredit assistance through a network of cooperatives, the WWF has been the catalyst for lasting improvements in the economic and social status of impoverished women. Representatives of the Grameen Bank, Women's World Banking, the Ecumenical Development Cooperative Society, and other organizations also addressed the conference.

FASB (Financial Accounting Standards Board) issues new accounting rules for debt and equity securities.

PubMed

Reinstein, A; Bayou, M E

1994-10-01

The Financial Accounting Standards Board (FASB) recently issued a new statement that requires all companies to change their methods of accounting for debt and equity securities. Rather than allowing organizations to use a historical cost approach in accounting for such financial instruments, FASB Statement No. 115 requires organizations to adopt a market value approach. The provisions of this statement will affect significantly organizations in the healthcare industry that have large investment portfolios.

43 CFR 3602.14 - What kind of financial security does BLM require?

Code of Federal Regulations, 2011 CFR

2011-10-01

... DISPOSAL Mineral Materials Sales Applications § 3602.14 What kind of financial security does BLM require? (a) For contracts of $2,000 or more, BLM will require a performance bond of an amount sufficient to meet the reclamation standards provided for in the contract, but at least $500. If you have a sales...

43 CFR 3602.14 - What kind of financial security does BLM require?

Code of Federal Regulations, 2014 CFR

2014-10-01

... 43 Public Lands: Interior 2 2014-10-01 2014-10-01 false What kind of financial security does BLM...? (a) For contracts of $2,000 or more, BLM will require a performance bond of an amount sufficient to... post a performance bond. (b) BLM may require a performance bond for contracts of less than $2,000. We...

43 CFR 3602.14 - What kind of financial security does BLM require?

Code of Federal Regulations, 2012 CFR

2012-10-01

... 43 Public Lands: Interior 2 2012-10-01 2012-10-01 false What kind of financial security does BLM...? (a) For contracts of $2,000 or more, BLM will require a performance bond of an amount sufficient to... post a performance bond. (b) BLM may require a performance bond for contracts of less than $2,000. We...

43 CFR 3602.14 - What kind of financial security does BLM require?

Code of Federal Regulations, 2013 CFR

2013-10-01

... 43 Public Lands: Interior 2 2013-10-01 2013-10-01 false What kind of financial security does BLM...? (a) For contracts of $2,000 or more, BLM will require a performance bond of an amount sufficient to... post a performance bond. (b) BLM may require a performance bond for contracts of less than $2,000. We...

Financial Strategies Moderate Weather Impacts on Food Security Outcomes

NASA Astrophysics Data System (ADS)

Brown, M. E.; Niles, M.

2016-12-01

Global food security relies on local agricultural capacity as well as the financial ability to import food from elsewhere. Climate change is likely to affect the ability to grow sufficient food to meet the needs of a growing population in low income countries where population expansion is the greatest. This paper presents an analysis of 2095 household surveys from 12 food insecure countries in West Africa, East Africa and Asia from the Climate Change, Agriculture, and Food Security (CCAFS) program conducted from 2010-2012. Using a multi-level hierarchical random effects model, we estimated the number of months a household was food insecure with information on the rainfall anomaly the year prior to the survey, agricultural input use, cash income, and community group membership. We found that when the rainfall was either one standard deviation above or below the mean, the number of months households experience food insecurity increased by 74%. When there is a significant weather anomaly, agricultural credit and cash income, but not agricultural inputs or social capital, are found to be critical factors reducing food insecurity. This highlights the ongoing and critical importance of risk reduction strategies such as crop insurance, government safety nets, and credit for maintaining food security in the face of climate change.

Agencies Need Improved Financial Data Reporting for Private Security Contractors

DTIC Science & Technology

2008-10-30

Source DoDa DoSb USAIDc Total 1 Multiple Funds Used for Contract $712.0 $1,443.3 $493.8 $2,649.1 2 Operations and Maintenance Account 1,150.1 0.0 0.0...display a currently valid OMB control number. 1 . REPORT DATE 30 OCT 2008 2 . REPORT TYPE 3. DATES COVERED 00-00-2008 to 00-00-2008 4. TITLE AND...routinely capturing financial information for all contracts and subcontracts for private security services, citing FAR 15.403- 1 (b)( 2 ) as prohibiting it

17 CFR 210.3-16 - Financial statements of affiliates whose securities collateralize an issue registered or being...

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Financial statements of affiliates whose securities collateralize an issue registered or being registered. 210.3-16 Section 210.3-16... constitute a substantial portion of collateral if the aggregate principal amount, par value, or book value of...

17 CFR 400.6 - Notice of withdrawal from business as a government securities broker or dealer by a financial...

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Notice of withdrawal from business as a government securities broker or dealer by a financial institution. 400.6 Section 400.6... SECURITIES EXCHANGE ACT OF 1934 RULES OF GENERAL APPLICATION § 400.6 Notice of withdrawal from business as a...

Securing Healthcare’s Quantified-Self Data: A Comparative Analysis Versus Personal Financial Account Aggregators Based on Porter’s Five Forces Framework for Competitive Force

DTIC Science & Technology

2016-09-01

HEALTHCARE’S QUANTIFIED-SELF DATA: A COMPARATIVE ANALYSIS VERSUS PERSONAL FINANCIAL ACCOUNT AGGREGATORS BASED ON PORTER’S FIVE FORCES FRAMEWORK FOR...TITLE AND SUBTITLE SECURING HEALTHCARE’S QUANTIFIED-SELF DATA: A COMPARATIVE ANALYSIS VERSUS PERSONAL FINANCIAL ACCOUNT AGGREGATORS BASED ON...Distribution is unlimited. SECURING HEALTHCARE’S QUANTIFIED-SELF DATA: A COMPARATIVE ANALYSIS VERSUS PERSONAL FINANCIAL ACCOUNT AGGREGATORS BASED ON

The impact of the 2008 financial crisis on food security and food expenditures in Mexico: a disproportionate effect on the vulnerable

PubMed Central

Vilar-Compte, Mireya; Sandoval-Olascoaga, Sebastian; Bernal-Stuart, Ana; Shimoga, Sandhya; Vargas-Bustamante, Arturo

2015-01-01

Objective The present paper investigated the impact of the 2008 financial crisis on food security in Mexico and how it disproportionally affected vulnerable households. Design A generalized ordered logistic regression was estimated to assess the impact of the crisis on households’ food security status. An ordinary least squares and a quantile regression were estimated to evaluate the effect of the financial crisis on a continuous proxy measure of food security defined as the share of a household’s current income devoted to food expenditures. Setting Both analyses were performed using pooled cross-sectional data from the Mexican National Household Income and Expenditure Survey 2008 and 2010. Subjects The analytical sample included 29 468 households in 2008 and 27 654 in 2010. Results The generalized ordered logistic model showed that the financial crisis significantly (P < 0·05) decreased the probability of being food secure, mildly or moderately food insecure, compared with being severely food insecure (OR = 0·74). A similar but smaller effect was found when comparing severely and moderately food-insecure households with mildly food-insecure and food-secure households (OR = 0·81). The ordinary least squares model showed that the crisis significantly (P < 0·05) increased the share of total income spent on food (β coefficient of 0·02). The quantile regression confirmed the findings suggested by the generalized ordered logistic model, showing that the effects of the crisis were more profound among poorer households. Conclusions The results suggest that households that were more vulnerable before the financial crisis saw a worsened effect in terms of food insecurity with the crisis. Findings were consistent with both measures of food security – one based on self-reported experience and the other based on food spending. PMID:25428800

The impact of the 2008 financial crisis on food security and food expenditures in Mexico: a disproportionate effect on the vulnerable.

PubMed

Vilar-Compte, Mireya; Sandoval-Olascoaga, Sebastian; Bernal-Stuart, Ana; Shimoga, Sandhya; Vargas-Bustamante, Arturo

2015-11-01

The present paper investigated the impact of the 2008 financial crisis on food security in Mexico and how it disproportionally affected vulnerable households. A generalized ordered logistic regression was estimated to assess the impact of the crisis on households' food security status. An ordinary least squares and a quantile regression were estimated to evaluate the effect of the financial crisis on a continuous proxy measure of food security defined as the share of a household's current income devoted to food expenditures. Setting Both analyses were performed using pooled cross-sectional data from the Mexican National Household Income and Expenditure Survey 2008 and 2010. The analytical sample included 29,468 households in 2008 and 27,654 in 2010. The generalized ordered logistic model showed that the financial crisis significantly (P<0·05) decreased the probability of being food secure, mildly or moderately food insecure, compared with being severely food insecure (OR=0·74). A similar but smaller effect was found when comparing severely and moderately food-insecure households with mildly food-insecure and food-secure households (OR=0·81). The ordinary least squares model showed that the crisis significantly (P<0·05) increased the share of total income spent on food (β coefficient of 0·02). The quantile regression confirmed the findings suggested by the generalized ordered logistic model, showing that the effects of the crisis were more profound among poorer households. The results suggest that households that were more vulnerable before the financial crisis saw a worsened effect in terms of food insecurity with the crisis. Findings were consistent with both measures of food security--one based on self-reported experience and the other based on food spending.

24 CFR 320.10 - Financial reporting.

Code of Federal Regulations, 2010 CFR

2010-04-01

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

24 CFR 320.10 - Financial reporting.

Code of Federal Regulations, 2011 CFR

2011-04-01

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

Increasing Financial Security

ERIC Educational Resources Information Center

Kiss, Elizabeth

2006-01-01

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

17 CFR 38.604 - Financial surveillance.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 17 Commodity and Securities Exchanges 1 2014-04-01 2014-04-01 false Financial surveillance. 38.604 Section 38.604 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION DESIGNATED CONTRACT MARKETS Financial Integrity of Transactions § 38.604 Financial surveillance. A designated contract market...

17 CFR 38.604 - Financial surveillance.

Code of Federal Regulations, 2013 CFR

2013-04-01

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

17 CFR 449.1 - Form G-FIN, notification by financial institutions of status as government securities broker or...

Code of Federal Regulations, 2010 CFR

2010-04-01

... Securities Exchange Act of 1934. This form is to be used by financial institutions that are government... Currency, the Federal Deposit Insurance Corporation, the Director of the Office of Thrift Supervision and...

17 CFR 210.3-17 - Financial statements of natural persons.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Financial statements of... COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES... Financial Statements § 210.3-17 Financial statements of natural persons. (a) In lieu of the financial...

17 CFR 210.8-02 - Annual financial statements.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Annual financial statements... AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE... ADVISERS ACT OF 1940, AND ENERGY POLICY AND CONSERVATION ACT OF 1975 Article 8 Financial Statements of...

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

17 CFR 210.8-08 - Age of financial statements.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Age of financial statements... AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE... ADVISERS ACT OF 1940, AND ENERGY POLICY AND CONSERVATION ACT OF 1975 Article 8 Financial Statements of...

17 CFR 210.8-08 - Age of financial statements.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Age of financial statements. 210.8-08 Section 210.8-08 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION FORM... Smaller Reporting Companies § 210.8-08 Age of financial statements. At the date of filing, financial...

78 FR 29399 - ERNY Financial ETF Trust and ERNY Financial Advisors, LLC; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-20

... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 30514; 812-14146] ERNY Financial ETF Trust and ERNY Financial Advisors, LLC; Notice of Application May 13, 2013. AGENCY: Securities and Exchange Commission (``Commission''). ACTION: Notice of an application for an order under section 6(c) of the Investment Company Act of 1940...

Unjust Desserts: Financial Realities of Older Women.

ERIC Educational Resources Information Center

Estrine, Judith

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

Advanced Computational Methods for Security Constrained Financial Transmission Rights: Structure and Parallelism

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

Elbert, Stephen T.; Kalsi, Karanjit; Vlachopoulou, Maria

Financial Transmission Rights (FTRs) help power market participants reduce price risks associated with transmission congestion. FTRs are issued based on a process of solving a constrained optimization problem with the objective to maximize the FTR social welfare under power flow security constraints. Security constraints for different FTR categories (monthly, seasonal or annual) are usually coupled and the number of constraints increases exponentially with the number of categories. Commercial software for FTR calculation can only provide limited categories of FTRs due to the inherent computational challenges mentioned above. In this paper, a novel non-linear dynamical system (NDS) approach is proposed tomore » solve the optimization problem. The new formulation and performance of the NDS solver is benchmarked against widely used linear programming (LP) solvers like CPLEX™ and tested on large-scale systems using data from the Western Electricity Coordinating Council (WECC). The NDS is demonstrated to outperform the widely used CPLEX algorithms while exhibiting superior scalability. Furthermore, the NDS based solver can be easily parallelized which results in significant computational improvement.« less

26 CFR 1.582-1 - Bad debts, losses, and gains with respect to securities held by financial institutions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Bad debts, losses, and gains with respect to securities held by financial institutions. 1.582-1 Section 1.582-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Banking Institutions...

How do insured perceive their financial security in the event of illness?--a panel data analysis for Germany.

PubMed

Lange, Ansgar; Prenzler, Anne; Zuchandke, Andy

2012-01-01

There is a lack of research regarding the subjective perception of financial security in the event of illness of insured persons. Therefore, the aim of our study was to analyze the subjective perception of financial security in the event of illness in the German setting over time and to identify major determinants of that perception. We applied a probit-adapted ordinary least squares estimation procedure including fixed effects to a balanced data set from the German Socio-Economic Panel. After correcting our data set, we included approximately 23,500 observations in our analyses. We show that higher income and the existence of private health insurance have a positive and significant impact on the perception of financial security. Furthermore, private supplementary health insurance has a positive and significant effect on this perception; however, this is solely true for policies that cover special features during hospital stays. Experience with the health care system is also positively related to the individual's perception. Finally, our regression results illustrate that the overall perception is declining over time. The results indicate that political decision makers are facing challenges regarding the declining subjective perception in the German health care system. Because of the positive correlation between experience and subjective perception, it can be assumed that the health care system and especially statutory health insurance are better than their presentation in the media. Hence, there is a problem of communication and information, and political decision makers face challenges in presenting the system objectively and handling the media in a proper way. Copyright © 2012 International Society for Pharmacoeconomics and Outcomes Research (ISPOR). Published by Elsevier Inc. All rights reserved.

17 CFR 230.417 - Date of financial statements.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Date of financial statements... RULES AND REGULATIONS, SECURITIES ACT OF 1933 General Requirements § 230.417 Date of financial statements. Whenever financial statements of any person are required to be furnished as of a date within a...

17 CFR 38.605 - Requirements for financial surveillance program.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 17 Commodity and Securities Exchanges 1 2014-04-01 2014-04-01 false Requirements for financial surveillance program. 38.605 Section 38.605 Commodity and Securities Exchanges COMMODITY FUTURES TRADING... financial surveillance program. A designated contract market's financial surveillance program for futures...

17 CFR 38.605 - Requirements for financial surveillance program.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 17 Commodity and Securities Exchanges 1 2013-04-01 2013-04-01 false Requirements for financial surveillance program. 38.605 Section 38.605 Commodity and Securities Exchanges COMMODITY FUTURES TRADING... financial surveillance program. A designated contract market's financial surveillance program for futures...

The experience of living with sensory hyperreactivity-accessibility, financial security, and social relationships.

PubMed

Söderholm, Anna; Söderberg, Anna; Nordin, Steven

2011-08-01

Odor intolerance is a frequently reported problem, predominantly among women. Our purpose was to illuminate how individuals living with sensory hyperreactivity (SHR; a form of odor intolerance) experience its impact on accessibility, financial security, and social relationships. Data were collected by having 12 women with SHR write descriptive texts. These texts were analyzed with qualitative content analysis. Six themes were identified: Being limited in participating in society, being forced to behave incompatibly with one's personality, experiencing lack of understanding and respect from others, experiencing insecurity, being dependent on others, and being forced to choose between the plague and cholera.

17 CFR 210.11-03 - Presentation of financial forecast.

Code of Federal Regulations, 2010 CFR

2010-04-01

... required by generally accepted accounting principles. Form and Content of Schedules general ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Presentation of financial... FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES...

17 CFR 229.302 - (Item 302) Supplementary financial information.

Code of Federal Regulations, 2010 CFR

2010-04-01

... paragraphs 9-34 of Statement of Financial Accounting Standards (“SFAS”) No. 69, “Disclosures about Oil and... financial information. 229.302 Section 229.302 Commodity and Securities Exchanges SECURITIES AND EXCHANGE... 1934 AND ENERGY POLICY AND CONSERVATION ACT OF 1975-REGULATION S-K Financial Information § 229.302...

17 CFR 240.15d-2 - Special financial report.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Special financial report. 240....15d-2 Special financial report. (a) If the registration statement under the Securities Act of 1933 did... registration statement, file a special report furnishing certified financial statements for such last full...

17 CFR 230.170 - Prohibition of use of certain financial statements.

Code of Federal Regulations, 2010 CFR

2010-04-01

... financial statements. 230.170 Section 230.170 Commodity and Securities Exchanges SECURITIES AND EXCHANGE... certain financial statements. Financial statements which purport to give effect to the receipt and.... The caption of any such financial statement shall clearly set forth the assumptions upon which such...

17 CFR 210.8-05 - Pro forma financial information.

Code of Federal Regulations, 2010 CFR

2010-04-01

... information showing the effects of the acquisition shall be furnished if financial statements of a business... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Pro forma financial information. 210.8-05 Section 210.8-05 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION...

17 CFR 210.8-08 - Age of financial statements.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Age of financial statements. 210.8-08 Section 210.8-08 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION FORM... CONSERVATION ACT OF 1975 Article 8 Financial Statements of Smaller Reporting Companies § 210.8-08 Age of...

17 CFR 210.8-08 - Age of financial statements.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false Age of financial statements. 210.8-08 Section 210.8-08 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION FORM... CONSERVATION ACT OF 1975 Article 8 Financial Statements of Smaller Reporting Companies § 210.8-08 Age of...

17 CFR 210.8-08 - Age of financial statements.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Age of financial statements. 210.8-08 Section 210.8-08 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION FORM... CONSERVATION ACT OF 1975 Article 8 Financial Statements of Smaller Reporting Companies § 210.8-08 Age of...

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

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.

The Study on Financial Supervision for Chinese Financial Industry under Mixed Operation

NASA Astrophysics Data System (ADS)

Wei, Song

Financial mixed operation refers to that financial institution can offer all financial services (banking, securities, insurance, and trust) and engage in industrial businesses by holding the share ownership. Because of self interests, risk diversification, the change of competition condition, and clients' needs of the diversity of financial products and services, commercial banks make it possible for the mixed operation to be the optimal choice of the banking businesses under dynamic conditions in globalized competition, which results in the diversity and integration of banking businesses.

17 CFR 210.9-06 - Condensed financial information of registrant.

Code of Federal Regulations, 2010 CFR

2010-04-01

... EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933... be presented in a note to the financial statements when the restricted net assets (§ 210.4-08(e)(3... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Condensed financial...

17 CFR 210.3-17 - Financial statements of natural persons.

Code of Federal Regulations, 2011 CFR

2011-04-01

... natural persons. 210.3-17 Section 210.3-17 Commodity and Securities Exchanges SECURITIES AND EXCHANGE... Financial Statements § 210.3-17 Financial statements of natural persons. (a) In lieu of the financial statements otherwise required, a natural person may file an unaudited balance sheet as of a date within 90...

17 CFR 229.308 - (Item 308) Internal control over financial reporting.

Code of Federal Regulations, 2010 CFR

2010-04-01

... over financial reporting. 229.308 Section 229.308 Commodity and Securities Exchanges SECURITIES AND... § 229.308 (Item 308) Internal control over financial reporting. (a) Management's annual report on internal control over financial reporting. Provide a report of management on the registrant's internal...

Security Deposits

DTIC Science & Technology

1987-04-01

security deposit action is described in the regulation as follows: h. Security Deposits (DACF and DACA ). (1) Issue. PCS moves create financial hardships...General Wickham, The Army Chief of Staff, specified a philosophy toward the family in the Army Family White Paper. General Wickham’s action was in...security deposits arose. 1 The Army’s action to the issue of security deposits will be thoroughly discussed in this paper. The Army’s action comes now

Community Savings Groups, Financial Security, and HIV Risk Among Female Sex Workers in Iringa, Tanzania.

PubMed

Mantsios, Andrea; Galai, Noya; Mbwambo, Jessie; Likindikoki, Samuel; Shembilu, Catherine; Mwampashi, Ard; Beckham, S W; Leddy, Anna; Davis, Wendy; Sherman, Susan; Kennedy, Caitlin; Kerrigan, Deanna

2018-02-24

This study assessed the association between community savings group participation and consistent condom use (CCU) among female sex workers (FSW) in Iringa, Tanzania. Using cross-sectional data from a survey of venue-based FSW (n = 496), logistic regression was used to examine the associations between financial indicators including community savings group participation and CCU. Over one-third (35%) of the women participated in a savings group. Multivariable regression results indicated that participating in a savings group was significantly associated with nearly two times greater odds of CCU with new clients in the last 30 days (aOR = 1.77, 95% CI 1.10-2.86). Exploratory mediation analysis indicated that the relationship between savings group participation and CCU was partially mediated by financial security, as measured by monthly income. Findings indicate that community savings groups may play an important role in reducing sexual risk behaviors of FSW and hold promise as part of comprehensive, community-led HIV prevention strategies among FSW.

17 CFR 229.1010 - (Item 1010) Financial statements.

Code of Federal Regulations, 2010 CFR

2010-04-01

....1010 (Item 1010) Financial statements. (a) Financial information. Furnish the following financial information: (1) Audited financial statements for the two fiscal years required to be filed with the company's... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false (Item 1010) Financial...

33 CFR 138.80 - Financial responsibility, how established.

Code of Federal Regulations, 2012 CFR

2012-07-01

... SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION FINANCIAL RESPONSIBILITY FOR WATER POLLUTION (VESSELS) AND OPA 90 LIMITS OF LIABILITY (VESSELS AND DEEPWATER PORTS) Financial Responsibility for Water Pollution (Vessels) § 138.80 Financial responsibility, how established. (a) General. In...

33 CFR 138.80 - Financial responsibility, how established.

Code of Federal Regulations, 2014 CFR

2014-07-01

... SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION FINANCIAL RESPONSIBILITY FOR WATER POLLUTION (VESSELS) AND OPA 90 LIMITS OF LIABILITY (VESSELS AND DEEPWATER PORTS) Financial Responsibility for Water Pollution (Vessels) § 138.80 Financial responsibility, how established. (a) General. In...

College Financial Management: Basics for Administrators.

ERIC Educational Resources Information Center

Carter, E. Eugene

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

17 CFR 204.55 - Change in notification to Financial Management Service.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Change in notification to Financial Management Service. 204.55 Section 204.55 Commodity and Securities Exchanges SECURITIES AND... Financial Management Service. After the Commission sends FMS notification of an individual's liability for a...

Cross-border Portfolio Investment Networks and Indicators for Financial Crises

PubMed Central

Joseph, Andreas C.; Joseph, Stephan E.; Chen, Guanrong

2014-01-01

Cross-border equity and long-term debt securities portfolio investment networks are analysed from 2002 to 2012, covering the 2008 global financial crisis. They serve as network-proxies for measuring the robustness of the global financial system and the interdependence of financial markets, respectively. Two early-warning indicators for financial crises are identified: First, the algebraic connectivity of the equity securities network, as a measure for structural robustness, drops close to zero already in 2005, while there is an over-representation of high-degree off-shore financial centres among the countries most-related to this observation, suggesting an investigation of such nodes with respect to the structural stability of the global financial system. Second, using a phenomenological model, the edge density of the debt securities network is found to describe, and even forecast, the proliferation of several over-the-counter-traded financial derivatives, most prominently credit default swaps, enabling one to detect potentially dangerous levels of market interdependence and systemic risk. PMID:24510060

Cross-border Portfolio Investment Networks and Indicators for Financial Crises

NASA Astrophysics Data System (ADS)

Joseph, Andreas C.; Joseph, Stephan E.; Chen, Guanrong

2014-02-01

Cross-border equity and long-term debt securities portfolio investment networks are analysed from 2002 to 2012, covering the 2008 global financial crisis. They serve as network-proxies for measuring the robustness of the global financial system and the interdependence of financial markets, respectively. Two early-warning indicators for financial crises are identified: First, the algebraic connectivity of the equity securities network, as a measure for structural robustness, drops close to zero already in 2005, while there is an over-representation of high-degree off-shore financial centres among the countries most-related to this observation, suggesting an investigation of such nodes with respect to the structural stability of the global financial system. Second, using a phenomenological model, the edge density of the debt securities network is found to describe, and even forecast, the proliferation of several over-the-counter-traded financial derivatives, most prominently credit default swaps, enabling one to detect potentially dangerous levels of market interdependence and systemic risk.

Cross-border portfolio investment networks and indicators for financial crises.

PubMed

Joseph, Andreas C; Joseph, Stephan E; Chen, Guanrong

2014-02-10

Cross-border equity and long-term debt securities portfolio investment networks are analysed from 2002 to 2012, covering the 2008 global financial crisis. They serve as network-proxies for measuring the robustness of the global financial system and the interdependence of financial markets, respectively. Two early-warning indicators for financial crises are identified: First, the algebraic connectivity of the equity securities network, as a measure for structural robustness, drops close to zero already in 2005, while there is an over-representation of high-degree off-shore financial centres among the countries most-related to this observation, suggesting an investigation of such nodes with respect to the structural stability of the global financial system. Second, using a phenomenological model, the edge density of the debt securities network is found to describe, and even forecast, the proliferation of several over-the-counter-traded financial derivatives, most prominently credit default swaps, enabling one to detect potentially dangerous levels of market interdependence and systemic risk.

17 CFR 210.3-20 - Currency for financial statements of foreign private issuers.

Code of Federal Regulations, 2010 CFR

2010-04-01

... in the issuer's consolidated financial statements and not located in a hyperinflationary environment..., Oct. 5, 1999] Consolidated and Combined Financial Statements ... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES...

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

PubMed

Russell, Katherine; Stramoski, Sandra

2011-01-01

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

17 CFR 210.3A-02 - Consolidated financial statements of the registrant and its subsidiaries.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Consolidated financial... Exchanges SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS... 1975 Consolidated and Combined Financial Statements § 210.3A-02 Consolidated financial statements of...

78 FR 20705 - Securities Act of 1933; Securities Exchange Act of 1934; Order Regarding Review of FASB...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-04-05

... accepted for purposes of the securities laws, any accounting principles established by a standard setting... Financial Accounting Standards Board (``FASB'') and its parent organization, the Financial Accounting... recognizing the FASB's financial accounting and reporting standards as ``generally accepted'' under Section...

Systems and methods for performing wireless financial transactions

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

McCown, Steven Harvey

2012-07-03

A secure computing module (SCM) is configured for connection with a host device. The SCM includes a processor for performing secure processing operations, a host interface for coupling the processor to the host device, and a memory connected to the processor wherein the processor logically isolates at least some of the memory from access by the host device. The SCM also includes a proximate-field wireless communicator connected to the processor to communicate with another SCM associated with another host device. The SCM generates a secure digital signature for a financial transaction package and communicates the package and the signature tomore » the other SCM using the proximate-field wireless communicator. Financial transactions are performed from person to person using the secure digital signature of each person's SCM and possibly message encryption. The digital signatures and transaction details are communicated to appropriate financial organizations to authenticate the transaction parties and complete the transaction.« less

75 FR 17205 - Securities Offering Disclosures

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-05

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Securities Offering Disclosures AGENCY... collection. Title of Proposal: Securities Offering Disclosures. OMB Number: 1550-0035. Form Numbers: SEC...: The Securities Offering regulation provides necessary information, including financial disclosure, to...

Homeland Security - Can It be Done?

DTIC Science & Technology

2003-04-07

and get past the shenanigans in Congress and implement homeland security strategies.ř The new DHS is scheduled to move 22 federal agencies and...uniform laws to license and regulate certain financial services, since terrorists exploit such services. The strategy also takes care with definitions...initiative from organizations interested in the security of sensitive information, such as financial services, healthcare, and government. 47Joseph R. Barnes

Financial Fraud and Child Abuse

ERIC Educational Resources Information Center

Little, Allison Dare

2014-01-01

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

39 CFR 3000.735-103 - Financial interests.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 39 Postal Service 1 2014-07-01 2014-07-01 false Financial interests. 3000.735-103 Section 3000.735... § 3000.735-103 Financial interests. An employee shall not, either directly or indirectly, have any financial interest (whether by ownership of any stock, bond, security, or otherwise) in any entity or person...

39 CFR 3000.735-103 - Financial interests.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 39 Postal Service 1 2010-07-01 2010-07-01 false Financial interests. 3000.735-103 Section 3000.735... § 3000.735-103 Financial interests. An employee shall not, either directly or indirectly, have any financial interest (whether by ownership of any stock, bond, security, or otherwise) in any entity or person...

17 CFR 210.3-20 - Currency for financial statements of foreign private issuers.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Currency for financial statements of foreign private issuers. 210.3-20 Section 210.3-20 Commodity and Securities Exchanges... General Instructions As to Financial Statements § 210.3-20 Currency for financial statements of foreign...

75 FR 6231 - Securities Act of 1933; Securities Exchange Act of 1934; Order Regarding Review of FASB...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-02-08

... Financial Accounting Standards Board (``FASB'') and its parent organization, the Financial Accounting... recognizing the FASB's financial accounting and reporting standards as ``generally accepted'' under Section...; Securities Exchange Act of 1934; Order Regarding Review of FASB Accounting Support Fee for 2010 Under Section...

12 CFR 380.53 - Repudiation of secured contract.

Code of Federal Regulations, 2012 CFR

2012-01-01

... POLICY ORDERLY LIQUIDATION AUTHORITY Receivership Administrative Claims Process § 380.53 Repudiation of secured contract. To the extent that a contract to which a covered financial company is a party is secured by property of the covered financial company, the repudiation of the contract by the Corporation as...

12 CFR 380.53 - Repudiation of secured contract.

Code of Federal Regulations, 2013 CFR

2013-01-01

... POLICY ORDERLY LIQUIDATION AUTHORITY Receivership Administrative Claims Process § 380.53 Repudiation of secured contract. To the extent that a contract to which a covered financial company is a party is secured by property of the covered financial company, the repudiation of the contract by the Corporation as...

17 CFR 229.308T - (Item 308T) Internal control over financial reporting.

Code of Federal Regulations, 2010 CFR

2010-04-01

... over financial reporting. 229.308T Section 229.308T Commodity and Securities Exchanges SECURITIES AND... § 229.308T (Item 308T) Internal control over financial reporting. Note to Item 308T: This is a special... internal control over financial reporting. Provide a report of management on the registrant's internal...

17 CFR 5.12 - Financial reports of retail foreign exchange dealers.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 1 2011-04-01 2011-04-01 false Financial reports of retail foreign exchange dealers. 5.12 Section 5.12 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION OFF-EXCHANGE FOREIGN CURRENCY TRANSACTIONS § 5.12 Financial reports of retail foreign exchange...

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...

12 CFR 563.172 - Financial derivatives.

Code of Federal Regulations, 2010 CFR

2010-01-01

... underlying assets, indices, or reference rates. The most common types of financial derivatives are futures, forward commitments, options, and swaps. A mortgage derivative security, such as a collateralized mortgage... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Financial derivatives. 563.172 Section 563.172...

78 FR 51823 - Financial Responsibility Rules for Broker-Dealers

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-21

...The Securities and Exchange Commission (``Commission'') is adopting amendments to the net capital, customer protection, books and records, and notification rules for broker-dealers promulgated under the Securities Exchange Act of 1934 (``Exchange Act''). These amendments are designed to address several areas of concern regarding the financial responsibility requirements for broker-dealers. The amendments also update certain financial responsibility requirements and make certain technical amendments.

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...

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...

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...

17 CFR 210.2-04 - Examination of financial statements of persons other than the registrant.

Code of Federal Regulations, 2010 CFR

2010-04-01

... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... Qualifications and Reports of Accountants § 210.2-04 Examination of financial statements of persons other than the registrant. If a registrant is required to file financial statements of any other person, such...

46 CFR 403.300 - Financial reporting requirements.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 46 Shipping 8 2010-10-01 2010-10-01 false Financial reporting requirements. 403.300 Section 403.300 Shipping COAST GUARD (GREAT LAKES PILOTAGE), DEPARTMENT OF HOMELAND SECURITY GREAT LAKES PILOTAGE UNIFORM ACCOUNTING SYSTEM Reporting Requirements § 403.300 Financial reporting requirements. (a) General...

17 CFR 210.12-04 - Condensed financial information of registrant.

Code of Federal Regulations, 2010 CFR

2010-04-01

... and for the same periods for which audited consolidated financial statements are required. The... EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933... with complete financial statements may be omitted with the exception of disclosures regarding material...

Spring 2008 Industry Study: Financial Services Industry

DTIC Science & Technology

2008-01-01

04/24/can-wall-street-regulate- itself/. Mishkin , Frederic S. and Stanley G. Eakins. Financial Markets and Institutions . 4th ed. 2004, Addison...Security Strategy that designates as a priority the “pressing for open markets , financial stability, and deeper integration of the world economy.”1...were lured to new, innovative, and often very complex financial vehicles. In order to address the shortcomings of the free market , new regulatory

17 CFR 210.2-03 - Examination of financial statements by foreign government auditors.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Examination of financial statements by foreign government auditors. 210.2-03 Section 210.2-03 Commodity and Securities Exchanges... auditors. Notwithstanding any requirements as to examination by independent accountants, the financial...

Financial forecasts accuracy in Brazil's social security system.

PubMed

Silva, Carlos Patrick Alves da; Puty, Claudio Alberto Castelo Branco; Silva, Marcelino Silva da; Carvalho, Solon Venâncio de; Francês, Carlos Renato Lisboa

2017-01-01

Long-term social security statistical forecasts produced and disseminated by the Brazilian government aim to provide accurate results that would serve as background information for optimal policy decisions. These forecasts are being used as support for the government's proposed pension reform that plans to radically change the Brazilian Constitution insofar as Social Security is concerned. However, the reliability of official results is uncertain since no systematic evaluation of these forecasts has ever been published by the Brazilian government or anyone else. This paper aims to present a study of the accuracy and methodology of the instruments used by the Brazilian government to carry out long-term actuarial forecasts. We base our research on an empirical and probabilistic analysis of the official models. Our empirical analysis shows that the long-term Social Security forecasts are systematically biased in the short term and have significant errors that render them meaningless in the long run. Moreover, the low level of transparency in the methods impaired the replication of results published by the Brazilian Government and the use of outdated data compromises forecast results. In the theoretical analysis, based on a mathematical modeling approach, we discuss the complexity and limitations of the macroeconomic forecast through the computation of confidence intervals. We demonstrate the problems related to error measurement inherent to any forecasting process. We then extend this exercise to the computation of confidence intervals for Social Security forecasts. This mathematical exercise raises questions about the degree of reliability of the Social Security forecasts.

12 CFR 208.34 - Recordkeeping and confirmation of certain securities transactions effected by State member banks.

Code of Federal Regulations, 2014 CFR

2014-01-01

... primarily by the cash flows of a discrete pool of receivables or other financial assets, either fixed or... security that represents an interest in or is secured by a pool of receivables or other financial assets... interest in or is secured by a pool of receivables or other financial assets that are subject to continuous...

12 CFR 208.34 - Recordkeeping and confirmation of certain securities transactions effected by State member banks.

Code of Federal Regulations, 2013 CFR

2013-01-01

... primarily by the cash flows of a discrete pool of receivables or other financial assets, either fixed or... security that represents an interest in or is secured by a pool of receivables or other financial assets... interest in or is secured by a pool of receivables or other financial assets that are subject to continuous...

12 CFR 208.34 - Recordkeeping and confirmation of certain securities transactions effected by State member banks.

Code of Federal Regulations, 2012 CFR

2012-01-01

... primarily by the cash flows of a discrete pool of receivables or other financial assets, either fixed or... security that represents an interest in or is secured by a pool of receivables or other financial assets... interest in or is secured by a pool of receivables or other financial assets that are subject to continuous...

Social Security: a financial appraisal for the median voter.

PubMed

Galasso, V

Several explanations have been proposed for why voters continue to support unfunded social security systems. Browning (1975) suggests that the extremely large unfunded pension systems of most democracies depend on the existence of a voting majority composed of middle-aged and older people who fail to fully internalize the cost of financing the system. In fact, when voting, economically rational workers consider only their current and future contributions to the system and their expected pension benefits--not their past contributions, which they regard as sunk costs. If, for a majority of voters, the expected continuation return from social security exceeds the return from alternative assets, an unfunded social security system is politically sustainable. This article explores the validity of Browning's proposition by quantifying the returns that U.S. voters in presidential elections from 1964 to 1996 have obtained, or expect to obtain, from Social Security. Did "investments" in Social Security outperform alternative forms of investment, such as mutual funds or pension funds, for a majority of the voters? What can be expected for the future? The U.S. Social Security system redistributes income within age cohorts on the basis of sex, income, and marital status. To account for some of these features, the median voter is represented by a family unit whose members--a husband who accounts for 70 percent of household earnings and a wife who accounts for 30 percent--make joint economic and voting decisions. Thus, retirement and survival benefits paid out to the spouse of an insured worker can be included in the calculation of Social Security returns. Interval estimates of voters' family incomes from the U.S. Census Bureau were used to obtain the median voter's household earnings. The median voter's age is derived from the ages of those who voted in presidential elections, not from the ages of the entire electorate. The median voter's contributions to Social Security are the

17 CFR 210.3-12 - Age of financial statements at effective date of registration statement or at mailing date of...

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Age of financial statements at... FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, PUBLIC UTILITY... POLICY AND CONSERVATION ACT OF 1975 General Instructions As to Financial Statements § 210.3-12 Age of...

17 CFR 229.308 - (Item 308) Internal control over financial reporting.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false (Item 308) Internal control over financial reporting. 229.308 Section 229.308 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION STANDARD INSTRUCTIONS FOR FILING FORMS UNDER SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934 AND ENERGY POLICY AND...

17 CFR 229.308 - (Item 308) Internal control over financial reporting.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false (Item 308) Internal control over financial reporting. 229.308 Section 229.308 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION STANDARD INSTRUCTIONS FOR FILING FORMS UNDER SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934 AND ENERGY POLICY AND...

17 CFR 229.308 - (Item 308) Internal control over financial reporting.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false (Item 308) Internal control over financial reporting. 229.308 Section 229.308 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION STANDARD INSTRUCTIONS FOR FILING FORMS UNDER SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934 AND ENERGY POLICY AND...

17 CFR 229.308 - (Item 308) Internal control over financial reporting.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false (Item 308) Internal control over financial reporting. 229.308 Section 229.308 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION STANDARD INSTRUCTIONS FOR FILING FORMS UNDER SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934 AND ENERGY POLICY AND...

76 FR 54717 - Supervised Securities Holding Companies Registration

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-02

... other financial statements submitted to the securities holding company's current consolidated supervisor... Y-9ES), The Supplement to the Consolidated Financial Statements for Bank Holding Companies (FR Y-9CS... Companies (FR Y-6), The Report of Foreign Banking Organizations (FR Y-7), The Consolidated Financial...

Explore Awareness of Information Security: Insights from Cognitive Neuromechanism.

PubMed

Han, Dongmei; Dai, Yonghui; Han, Tianlin; Dai, Xingyun

2015-01-01

With the rapid development of the internet and information technology, the increasingly diversified portable mobile terminals, online shopping, and social media have facilitated information exchange, social communication, and financial payment for people more and more than ever before. In the meantime, information security and privacy protection have been meeting with new severe challenges. Although we have taken a variety of information security measures in both management and technology, the actual effectiveness depends firstly on people's awareness of information security and the cognition of potential risks. In order to explore the new technology for the objective assessment of people's awareness and cognition on information security, this paper takes the online financial payment as example and conducts an experimental study based on the analysis of electrophysiological signals. Results indicate that left hemisphere and beta rhythms of electroencephalogram (EEG) signal are sensitive to the cognitive degree of risks in the awareness of information security, which may be probably considered as the sign to assess people's cognition of potential risks in online financial payment.

Explore Awareness of Information Security: Insights from Cognitive Neuromechanism

PubMed Central

Han, Dongmei; Han, Tianlin; Dai, Xingyun

2015-01-01

With the rapid development of the internet and information technology, the increasingly diversified portable mobile terminals, online shopping, and social media have facilitated information exchange, social communication, and financial payment for people more and more than ever before. In the meantime, information security and privacy protection have been meeting with new severe challenges. Although we have taken a variety of information security measures in both management and technology, the actual effectiveness depends firstly on people's awareness of information security and the cognition of potential risks. In order to explore the new technology for the objective assessment of people's awareness and cognition on information security, this paper takes the online financial payment as example and conducts an experimental study based on the analysis of electrophysiological signals. Results indicate that left hemisphere and beta rhythms of electroencephalogram (EEG) signal are sensitive to the cognitive degree of risks in the awareness of information security, which may be probably considered as the sign to assess people's cognition of potential risks in online financial payment. PMID:26587017

The new world of retirement income security in America.

PubMed

Quinn, Joseph F; Cahill, Kevin E

2016-01-01

We have entered a new world of retirement income security in America, with older individuals more exposed to market risk and more vulnerable to financial insecurity than prior generations. This reflects an evolution that has altered the historical vision of a financially secure retirement supported by Social Security, a defined-benefit pension plan, and individual savings. Today, 2 of these 3 retirement income sources-pensions and savings-are absent or of modest importance for many older Americans. Retirement income security now often requires earnings from continued work later in life, which exacerbates the economic vulnerability of certain segments of the population, including persons with disabilities, the oldest-old, single women, and individuals with intermittent work histories. Because of the unprecedented aging of our society, further changes to the retirement income landscape are inevitable, but policymakers do have options to help protect the financial stability of older Americans. We can begin by promoting savings at all (especially younger) ages and by removing barriers that discourage work later in life. For individuals already on the cusp of retirement, more needs to be done to educate the public about the value of delaying the receipt of Social Security benefits. Inaction now could mean a return to the days when old age and poverty were closely linked. The negative repercussions of this would extend well beyond traditional economic measures, as physical and mental health outcomes are closely tied to financial security. (PsycINFO Database Record (c) 2016 APA, all rights reserved).

Issues of Falsifying Financial Statements in Terms of Economic Security

ERIC Educational Resources Information Center

Zhitlukhina, Olga G.; Rakutko, Svetlana Y.; Berezhnova, Elena I.; Selezneva, Elena Y.; Belik, Elena V.; Shalaeva, Nina I.; Denisevich, Elena I.; Belik, Natalia V.; Saenko, Zhanna E.; Sultanova, Alina A.

2016-01-01

The paper deals with problems of the country's economic security and entities, timely resolution of which influences directly the country's national security. The cornerstone of successful existence of any country, especially the Russian Federation, during such complicated period is the presence of effective national economic security system.…

31 CFR 202.6 - Collateral security.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Collateral security. 202.6 Section 202.6 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY FINANCIAL MANAGEMENT SERVICE DEPOSITARIES AND FINANCIAL AGENTS OF THE FEDERAL...

Achieving a Financially Secure Retirement: A Retirement Community Case Study

ERIC Educational Resources Information Center

Dong, Francis Henry

2014-01-01

In the wake of recent events, especially the Great Recession of 2007-2009, affecting the economy, resulting in job losses, personal financial distress, and gloomy perceptions of their future well-being, many Americans are concerned about their financial quality of life in retirement. The media is replete with a plethora of advertisements for…

Social Security and Part-Time Employment.

ERIC Educational Resources Information Center

Euzeby, Alain

1988-01-01

Discusses rules governing social security and their implications for part-time employees in various countries. Topics include (1) methods of financing social security, (2) benefits, (3) measures concerning the unemployed, (4) a floor for employers' contributions, (5) graduated contribution rates, and (6) financial incentives. (CH)

17 CFR 210.2-02T - Accountants' reports and attestation reports on internal control over financial reporting.

Code of Federal Regulations, 2010 CFR

2010-04-01

... attestation reports on internal control over financial reporting. 210.2-02T Section 210.2-02T Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL... attestation reports on internal control over financial reporting. (a) The requirements of § 210.2-02(f) shall...

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...

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...

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...

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...

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...

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...

77 FR 14843 - [Securities Act of 1933; Release No. 9300/March 7, 2012; Securities Exchange Act of 1934; Release...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-13

..., as generally accepted for purposes of the securities laws, any accounting principles established by a... concluding that the Financial Accounting Standards Board (``FASB'') and its parent organization, the Financial Accounting Foundation (``FAF''), satisfied the criteria for an accounting standard-setting body...

46 CFR 403.120 - Notes to financial statements.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 46 Shipping 8 2010-10-01 2010-10-01 false Notes to financial statements. 403.120 Section 403.120 Shipping COAST GUARD (GREAT LAKES PILOTAGE), DEPARTMENT OF HOMELAND SECURITY GREAT LAKES PILOTAGE UNIFORM ACCOUNTING SYSTEM General § 403.120 Notes to financial statements. (a) All matters that are not clearly...

17 CFR 5.7 - Minimum financial requirements for retail foreign exchange dealers and futures commission...

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 1 2011-04-01 2011-04-01 false Minimum financial requirements... forex transactions. 5.7 Section 5.7 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION OFF-EXCHANGE FOREIGN CURRENCY TRANSACTIONS § 5.7 Minimum financial requirements for retail foreign...

Social Security reform: implications for women.

PubMed

Williamson, J B; Rix, S E

2000-01-01

Despite recent economic gains for women, a substantial gender gap in financial security during old age remains, making women more dependent than men upon Social Security. Social Security plays an important role in providing for women's economic security. The implications for women of several proposed changes in Social Security policy, including the call for the partial privatization of Social Security via the introduction of individual accounts, are analyzed. Many of the proposals would have the effect of asking women, particularly low-income women, to shoulder a disproportionate share of the risks and burdens associated with the changes.

Legitimacy and status groups in financial markets.

PubMed

Preda, Alex

2005-09-01

Economic sociologists have argued that financial markets should be analysed as uncertainty-processing social networks and intermediary groups. Networks and intermediaries alone cannot confer legitimacy upon financial actors and transactions. Status groups are a solution to this problem. They emphasize reputation, honour and good social behaviour as stabilizers of collective action, as means of social control and as indicators of legitimacy. I examine here the emergence and evolution of status groups of brokers in London, New York and Paris, and show how emphasis on honour was used to legitimize financial transactions. I argue that financial markets should be conceived as networks, intermediary and status groups. In global, automated financial markets status groups like securities analysts are gaining in prominence.

17 CFR 210.12-12 - Investments in securities of unaffiliated issuers.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Investments in securities of unaffiliated issuers. 210.12-12 Section 210.12-12 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES...

Financial Irresponsibility: Background Information for Security Personnel

DTIC Science & Technology

1991-09-01

shoppers he has treated have also suffered from some eating disorder , usually bulimia .6 3 A study of Gamblers Anonymous members found that 52% also...ramifications--compulsive gambling, compulsive shopping, drug or alcohol abuse. Compulsive behavior is a form of emotional disorder in which one loses...financial problems, however, as this emotional disorder affects the wealthy as well as those with limited means. Like alcoholism, compulsive shopping

Male Labor Force Participation and Social Security in Mexico

PubMed Central

Aguila, Emma

2014-01-01

Labor-force participation among Mexican males in their early retirement years (60 to 64 years of age) has decreased in recent decades, from 94.6 percent in 1960 to 65.2 percent in 2010. Similar trends are evident elsewhere in Latin America, and have occurred in the developed world. Such trends pose challenges to financial sustainability of social security systems as working-age populations decrease and those in retirement increase both because of demographic trends and decisions to take early retirement. In this study, we find that the Mexican social security system provides incentives to retire early. The retirement incentives of the Mexican social security system affect retirement behavior, and may be one of the main contributors to early retirement decisions, particularly for lower-income populations. We simulated the effect of the reform from a Pay-As-You-Go (PAYG) to the new Personal Retirement Accounts (PRA) system and we find that the PRA system also provides incentives to early retirement. Further analysis is needed to assess the financial sustainability of the social security system and financial security in old age for the largest cohorts in Mexico that will begin to retire by 2040. PMID:25328441

Male Labor Force Participation and Social Security in Mexico.

PubMed

Aguila, Emma

2014-04-01

Labor-force participation among Mexican males in their early retirement years (60 to 64 years of age) has decreased in recent decades, from 94.6 percent in 1960 to 65.2 percent in 2010. Similar trends are evident elsewhere in Latin America, and have occurred in the developed world. Such trends pose challenges to financial sustainability of social security systems as working-age populations decrease and those in retirement increase both because of demographic trends and decisions to take early retirement. In this study, we find that the Mexican social security system provides incentives to retire early. The retirement incentives of the Mexican social security system affect retirement behavior, and may be one of the main contributors to early retirement decisions, particularly for lower-income populations. We simulated the effect of the reform from a Pay-As-You-Go (PAYG) to the new Personal Retirement Accounts (PRA) system and we find that the PRA system also provides incentives to early retirement. Further analysis is needed to assess the financial sustainability of the social security system and financial security in old age for the largest cohorts in Mexico that will begin to retire by 2040.

United States Postal Service Financial Relief Act of 2009

THOMAS, 111th Congress

Rep. McHugh, John M. [R-NY-23

2009-01-06

Senate - 12/07/2009 Committee on Homeland Security and Governmental Affairs referred to Subcommittee on Federal Financial Management, Government Information, Federal Services, and International Security. (All Actions) Tracker: This bill has the status Passed HouseHere are the steps for Status of Legislation:

78 FR 16694 - Chemical Security Assessment Tool (CSAT)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-18

... information provided. Comments that include trade secrets, confidential commercial or financial information... secrets, confidential commercial or financial information, CVI, SSI, or PCII should be appropriately... Department make the instruments (e.g., Top-Screen, Security Vulnerability Assessment [SVA]/ Alternative...

77 FR 26796 - Order of Suspension of Trading; Airtrax, Inc., Amedia Networks, Inc., American Business Financial...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-05-07

... SECURITIES AND EXCHANGE COMMISSION [File No. 500-1] Order of Suspension of Trading; Airtrax, Inc., Amedia Networks, Inc., American Business Financial Services, Inc., Appalachian Bancshares, Inc., and... information concerning the securities of American Business Financial Services, Inc. because it has not filed...

77 FR 3294 - Comment Request for Study Regarding Financial Literacy Among Investors

Federal Register 2010, 2011, 2012, 2013, 2014

2012-01-23

... Study Regarding Financial Literacy Among Investors AGENCY: Securities and Exchange Commission. ACTION: Request for comment. SUMMARY: In connection with a study regarding financial literacy among investors as... INFORMATION: Section 917 of the Dodd-Frank Act requires the Commission to conduct a study regarding financial...

17 CFR 210.3A-02 - Consolidated financial statements of the registrant and its subsidiaries.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 1975 Consolidated and Combined Financial Statements § 210.3A-02 Consolidated financial statements of... consolidated financial statements principles of inclusion or exclusion which will clearly exhibit the financial... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Consolidated financial...

17 CFR 210.3-13 - Filing of other financial statements in certain cases.

Code of Federal Regulations, 2010 CFR

2010-04-01

... EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933... Financial Statements § 210.3-13 Filing of other financial statements in certain cases. The Commission may... investors, permit the omission of one or more of the financial statements herein required or the filing in...

Financial forecasts accuracy in Brazil’s social security system

PubMed Central

2017-01-01

Long-term social security statistical forecasts produced and disseminated by the Brazilian government aim to provide accurate results that would serve as background information for optimal policy decisions. These forecasts are being used as support for the government’s proposed pension reform that plans to radically change the Brazilian Constitution insofar as Social Security is concerned. However, the reliability of official results is uncertain since no systematic evaluation of these forecasts has ever been published by the Brazilian government or anyone else. This paper aims to present a study of the accuracy and methodology of the instruments used by the Brazilian government to carry out long-term actuarial forecasts. We base our research on an empirical and probabilistic analysis of the official models. Our empirical analysis shows that the long-term Social Security forecasts are systematically biased in the short term and have significant errors that render them meaningless in the long run. Moreover, the low level of transparency in the methods impaired the replication of results published by the Brazilian Government and the use of outdated data compromises forecast results. In the theoretical analysis, based on a mathematical modeling approach, we discuss the complexity and limitations of the macroeconomic forecast through the computation of confidence intervals. We demonstrate the problems related to error measurement inherent to any forecasting process. We then extend this exercise to the computation of confidence intervals for Social Security forecasts. This mathematical exercise raises questions about the degree of reliability of the Social Security forecasts. PMID:28859172

7 CFR 4274.326 - Security.

Code of Federal Regulations, 2014 CFR

2014-01-01

... financial condition, work plan, and management ability. It is the responsibility of the intermediary to make..., including cash and investments, notes receivable from ultimate recipients, and the intermediary's security...

7 CFR 4274.326 - Security.

Code of Federal Regulations, 2010 CFR

2010-01-01

... financial condition, work plan, and management ability. It is the responsibility of the intermediary to make..., including cash and investments, notes receivable from ultimate recipients, and the intermediary's security...

7 CFR 4274.326 - Security.

Code of Federal Regulations, 2011 CFR

2011-01-01

... financial condition, work plan, and management ability. It is the responsibility of the intermediary to make..., including cash and investments, notes receivable from ultimate recipients, and the intermediary's security...

7 CFR 4274.326 - Security.

Code of Federal Regulations, 2012 CFR

2012-01-01

... financial condition, work plan, and management ability. It is the responsibility of the intermediary to make..., including cash and investments, notes receivable from ultimate recipients, and the intermediary's security...

7 CFR 4274.326 - Security.

Code of Federal Regulations, 2013 CFR

2013-01-01

... financial condition, work plan, and management ability. It is the responsibility of the intermediary to make..., including cash and investments, notes receivable from ultimate recipients, and the intermediary's security...

17 CFR 204.55 - Change in notification to Financial Management Service.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Change in notification to Financial Management Service. 204.55 Section 204.55 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION RULES RELATING TO DEBT COLLECTION Tax Refund Offset § 204.55 Change in notification to...

Interactions between Financial and Environmental Networks in OECD Countries.

PubMed

Ruzzenenti, Franco; Joseph, Andreas; Ticci, Elisa; Vozzella, Pietro; Gabbi, Giampaolo

2015-01-01

We analysed a multiplex of financial and environmental networks between OECD countries from 2002 to 2010. Foreign direct investments and portfolio investment showing the flows in equity securities, short-term, long-term and total debt, these securities represent the financial layers; emissions of NOx, PM10, SO2, CO2 equivalent and the water footprint associated with international trade represent the environmental layers. We present a new measure of cross-layer correlations between flows in different layers based on reciprocity. For the assessment of results, we implement a null model for this measure based on the exponential random graph theory. We find that short-term financial flows are more correlated with environmental flows than long-term investments. Moreover, the correlations between reverse financial and environmental flows (i.e. the flows of different layers going in opposite directions) are generally stronger than correlations between synergic flows (flows going in the same direction). This suggests a trade-off between financial and environmental layers, where, more financialised countries display higher correlations between outgoing financial flows and incoming environmental flows than from lower financialised countries. Five countries are identified as hubs in this finance-environment multiplex: The United States, France, Germany, Belgium-Luxembourg and United Kingdom.

Interactions between Financial and Environmental Networks in OECD Countries

PubMed Central

Ruzzenenti, Franco; Joseph, Andreas; Ticci, Elisa; Vozzella, Pietro; Gabbi, Giampaolo

2015-01-01

We analysed a multiplex of financial and environmental networks between OECD countries from 2002 to 2010. Foreign direct investments and portfolio investment showing the flows in equity securities, short-term, long-term and total debt, these securities represent the financial layers; emissions of NO x, PM10, SO 2, CO 2 equivalent and the water footprint associated with international trade represent the environmental layers. We present a new measure of cross-layer correlations between flows in different layers based on reciprocity. For the assessment of results, we implement a null model for this measure based on the exponential random graph theory. We find that short-term financial flows are more correlated with environmental flows than long-term investments. Moreover, the correlations between reverse financial and environmental flows (i.e. the flows of different layers going in opposite directions) are generally stronger than correlations between synergic flows (flows going in the same direction). This suggests a trade-off between financial and environmental layers, where, more financialised countries display higher correlations between outgoing financial flows and incoming environmental flows than from lower financialised countries. Five countries are identified as hubs in this finance-environment multiplex: The United States, France, Germany, Belgium-Luxembourg and United Kingdom. PMID:26375393

75 FR 33099 - Amendment to Municipal Securities Disclosure

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-10

... delinquencies; (2) non-payment related defaults; (3) unscheduled draws on debt service reserves reflecting... to statistics assembled by the Securities Industry and Financial Markets Association (``SIFMA''), the....org/uploadedFiles/Research/Statistics/SIFMA_USMunicipalSecuritiesHolders.pdf ) (``SIFMA Report''). As...

12 CFR 563d.210 - Form and content of financial statements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Form and content of financial statements. 563d... SECURITIES OF SAVINGS ASSOCIATIONS Regulations § 563d.210 Form and content of financial statements. The financial statements required to be contained in filings with the Office under the Act are as set out in the...

12 CFR 223.32 - What rules apply to financial subsidiaries of a member bank?

Code of Federal Regulations, 2010 CFR

2010-01-01

... financial subsidiary. If a financial subsidiary is consolidated with its parent member bank under GAAP, the... equal to the carrying value of the securities on parent-only financial statements of the member bank... bank's parent-only GAAP financial statements is $500. The member bank initially must value the...

Teaching Case: Security Breach at Target

ERIC Educational Resources Information Center

Plachkinova, Miloslava; Maurer, Chris

2018-01-01

This case study follows the security breach that affected Target at the end of 2013 and resulted in the loss of financial data for over 70 million customers. The case provides an overview of the company and describes the reasons that led to one of the biggest security breaches in history. It offers a discussion on Target's vendor management…

76 FR 28168 - Securities of Nonmember Insured Banks

Federal Register 2010, 2011, 2012, 2013, 2014

2011-05-16

... November 30, 2010. The final rule adopts amendments to the FDIC's securities disclosure regulations... bonuses and profits), 306 (insider trades during blackout periods), 401(b) (disclosure of pro forma... financial officers), and 407 (disclosure of audit committee financial experts) of the Sarbanes-Oxley Act...

20 CFR 416.1247 - Exclusion of a dedicated account in a financial institution.

Code of Federal Regulations, 2010 CFR

2010-04-01

... financial institution. 416.1247 Section 416.1247 Employees' Benefits SOCIAL SECURITY ADMINISTRATION... a dedicated account in a financial institution. (a) General. In determining the resources of an individual (or spouse, if any), the funds in a dedicated account in a financial institution established and...

Financial Literacy Curriculum: The Effect on Offender Money Management Skills

ERIC Educational Resources Information Center

Koenig, Lori A.

2007-01-01

Offenders involved in this study lacked basic financial knowledge which presented a barrier to their success upon release. The researcher modified existing curriculum and created a course in financial literacy for offenders within a medium security correctional facility based upon their personal experiences. The offenders gained financial…

Mastering Mobile Security

ERIC Educational Resources Information Center

Panettieri, Joseph C.

2007-01-01

Without proper security, mobile devices are easy targets for worms, viruses, and so-called robot ("bot") networks. Hackers increasingly use bot networks to launch massive attacks against eCommerce websites--potentially targeting one's online tuition payment or fundraising/financial development systems. How can one defend his mobile systems against…

Financial literacy: Do people know the ABCs of finance?

PubMed

Lusardi, Annamaria

2015-04-01

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

Why information security belongs on the CFO's agenda.

PubMed

Quinnild, James; Fusile, Jeff; Smith, Cindy

2006-02-01

Healthcare financial executives need to understand the complex and growing role of information security in supporting the business of health care. The biggest security gaps in healthcare organizations occur in strategy and centralization, business executive preparation, and protected health information. CFOs should collaborate with the CIO in engaging a comprehensive framework to develop, implement, communicate, and maintain an enterprisewide information security strategy.

78 FR 32303 - Departmental Offices; Renewal of the Treasury Borrowing Advisory Committee of the Securities...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-29

... Committee of the Securities Industry and Financial Markets Association ACTION: Notice of renewal. SUMMARY... the Treasury Borrowing Advisory Committee of the Securities Industry and Financial Markets Association... Management (202) 622-1876. SUPPLEMENTARY INFORMATION: The purpose of the Committee is to provide informed...

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.

48 CFR 832.202-4 - Security for Government financing.

Code of Federal Regulations, 2010 CFR

2010-10-01

... accepted accounting principles and must be audited and certified by an independent public accountant or an... for Government financing. An offeror's financial condition may be considered adequate security to... offeror's financial condition, the contracting officer may obtain, to the extent required, the following...

76 FR 42765 - Departmental Offices; Renewal of the Treasury Borrowing Advisory Committee of the Securities...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-19

... Committee of the Securities Industry and Financial Markets Association ACTION: Notice of Renewal of... Securities Industry and Financial Markets Association (the ``Committee'') is necessary and in the public interest in connection with the performance of duties imposed on the Department of the Treasury by law. FOR...

78 FR 79716 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc; Order Instituting...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-31

.... The commenter states that such securities are likely to become more important to banks as new... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-71180; File No. SR-FINRA-2013-039] Self... Securities to FINRA December 24, 2013. I. Introduction On September 16, 2013, the Financial Industry...

75 FR 23316 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-05-03

... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-61979; File No. SR-FINRA-2010-003] Self..., as Modified by Amendment Nos. 1 and 2, Relating to Trade Reporting of OTC Equity Securities and Restricted Equity Securities April 23, 2010. I. Introduction On January 15, 2010, Financial Industry...

31 CFR 561.313 - Financial services.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Financial services. 561.313 Section 561.313 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF..., insurance, investments, securities, guarantees, foreign exchange, letters of credit, and commodity futures...

31 CFR 561.313 - Financial services.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Financial services. 561.313 Section 561.313 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF..., insurance, investments, securities, guarantees, foreign exchange, letters of credit, and commodity futures...

31 CFR 561.313 - Financial services.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Financial services. 561.313 Section 561.313 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF..., insurance, investments, securities, guarantees, foreign exchange, letters of credit, and commodity futures...

29 CFR 70.54 - Employee Benefits Security Administration.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 29 Labor 1 2014-07-01 2013-07-01 true Employee Benefits Security Administration. 70.54 Section 70... Records and Filings § 70.54 Employee Benefits Security Administration. (a) The annual financial reports (Form 5500) and attachments/schedules as filed by employee benefit plans under the Employee Retirement...

29 CFR 70.54 - Employee Benefits Security Administration.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 29 Labor 1 2010-07-01 2010-07-01 true Employee Benefits Security Administration. 70.54 Section 70... Records and Filings § 70.54 Employee Benefits Security Administration. (a) The annual financial reports (Form 5500) and attachments/schedules as filed by employee benefit plans under the Employee Retirement...

13 CFR 107.1450 - Optional redemption of Preferred Securities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Optional redemption of Preferred Securities. 107.1450 Section 107.1450 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities...

48 CFR 832.202-4 - Security for Government financing.

Code of Federal Regulations, 2012 CFR

2012-10-01

... 48 Federal Acquisition Regulations System 5 2012-10-01 2012-10-01 false Security for Government... for Government financing. An offeror's financial condition may be considered adequate security to protect the Government's interest when the Government provides contract financing. In assessing the...

48 CFR 832.202-4 - Security for Government financing.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 48 Federal Acquisition Regulations System 5 2014-10-01 2014-10-01 false Security for Government... for Government financing. An offeror's financial condition may be considered adequate security to protect the Government's interest when the Government provides contract financing. In assessing the...

17 CFR 230.144A - Private resales of securities to institutions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... entity that are consolidated with the entity in its financial statements prepared in accordance with... annual financial statements, as of a date not more than 16 months preceding the date of sale under the... securities holdings in its financial statements on the basis of their market value, and no current...

The Market Value of Information System (IS) Security: An Event Study of E-Banking Service Providers

ERIC Educational Resources Information Center

Brock, Linda

2012-01-01

Understanding the financial value resulting from IS security investments is critically important to organizations focused on protecting service confidentiality, integrity, and availability in order to preserve firm revenues and reputations. Quantifying the financial effect from IS security investments is difficult to derive. This study…

Usable SPACE: Security, Privacy, and Context for the Mobile User

NASA Astrophysics Data System (ADS)

Jutla, Dawn

Users breach the security of data within many financial applications daily as human and/or business expediency to access and use information wins over corporate security policy guidelines. Recognizing that changing user context often requires different security mechanisms, we discuss end-to-end solutions combining several security and context mechanisms for relevant security control and information presentation in various mobile user situations. We illustrate key concepts using Dimitri Kanevskys (IBM Research) early 2000s patented inventions for voice security and classification.

The fallacy of financial heuristics.

PubMed

Langabeer, James

2007-01-01

In turbulent times, the financial policies and decisions about cash and debt make or break hospitals' financial condition. Decisions about whether to continue saving cash or reduce debt burdens are probably the most vital policy decision for the hospital CFO. Unfortunately, my research shows that most administrators are relying on judgment, or best-guess heuristics to address these policy issues. This article explores one of the most common heuristics in health finance-ratios gauging debt and cash on hand. The subject is explored through the research and analysis of over 40 hospitals in a very competitive marketplace-the boroughs of New York City. Analyses of financial strength, through various statistical models, were conducted to explore the linkages between traditional heuristics and long-term economic results. Data were collected for 30 operational and financial indicators. Findings suggest that organizations require different cash-debt positions based on their overall financial health, and that a one-number heuristic does not fit all. Extremely financially constrained hospitals (those approaching bankruptcy conditions) should be building free cash flow and minimizing debt service, while financially secure hospitals need to minimize cash on hand while reducing debt. If all hospitals continue to try to meet an arbitrary days of cash heuristic, this simplification could cripple an organization. A much more effective metric requires each organization to model decisions more comprehensively.

Federal Government Information Systems Security Management and Governance Are Pacing Factors for Innovation

ERIC Educational Resources Information Center

Edwards, Gregory

2011-01-01

Security incidents resulting from human error or subversive actions have caused major financial losses, reduced business productivity or efficiency, and threatened national security. Some research suggests that information system security frameworks lack emphasis on human involvement as a significant cause for security problems in a rapidly…

Providing and Funding Financial Literacy Programs for Low Income Adults and Youth. Strategy Brief

ERIC Educational Resources Information Center

Friedman, Pamela

2005-01-01

Making effective financial decisions and knowing how to manage money are skills critical to enjoying a secure financial future. Yet many individuals and families lack the knowledge necessary to make sound financial choices, as evidenced by falling savings rates, mounting consumer debt, and a growing dependence on alternative banking institutions.…

78 FR 47440 - ERNY Financial ETF Trust, et al.; Notice of Application

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-05

...] ERNY Financial ETF Trust, et al.; Notice of Application July 30, 2013. AGENCY: Securities and Exchange... (e) certain registered management investment companies and unit investment trusts outside of the same group of investment companies as the series to acquire Shares. APPLICANTS: ERNY Financial ETF Trust...

Risks and responses to universal drinking water security.

PubMed

Hope, Robert; Rouse, Michael

2013-11-13

Risks to universal drinking water security are accelerating due to rapid demographic, climate and economic change. Policy responses are slow, uneven and largely inadequate to address the nature and scale of the global challenges. The challenges relate both to maintaining water security in increasingly fragile supply systems and to accelerating reliable access to the hundreds of millions who remain water-insecure. A conceptual framework illustrates the relationship between institutional, operational and financial risks and drinking water security outcomes. We apply the framework to nine case studies from rural and urban contexts in South Asia and sub-Saharan Africa. Case studies are purposively selected based on established and emerging examples of political, technological or institutional reforms that address water security risks. We find broad evidence that improved information flows reduce institutional costs and promote stronger and more transparent operational performance to increase financial sustainability. However, political barriers need to be overcome in all cases through internal or external interventions that require often decadal time frames and catalytic investments. No single model exists, though there is sufficient evidence to demonstrate that risks to drinking water security can be reduced even in the most difficult and challenging contexts.

Bulls, Bears, and Birds: Preparing the Financial Industry for an Avian Influenza Pandemic.

PubMed

Maldin, Beth; Inglesby, Thomas V; Nuzzo, Jennifer B; Lien, Onora; Gronvall, Gigi Kwik; Toner, Eric; O'Toole, Tara

2005-01-01

Bulls, Bears, and Birds: Preparing the Financial Industry for an Avian Influenza Pandemic was a half day symposium on avian influenza for senior leaders and decision makers from the financial sector with responsibility for business continuity, health, and security. The event brought together experts and leaders from the medical, public health, business continuity, and financial communities to appraise financial industry leaders on the threat of avian influenza and to offer suggestions regarding what the financial industry could do to prepare and respond.

77 FR 14848 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-13

... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-66528; File No. SR-FINRA-2012-014] Self... Requirements for Credit Default Swaps) March 7, 2012. Pursuant to Section 19(b)(1) of the Securities Exchange..., 2012, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange...

75 FR 71164 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-22

... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-63319; File No. SR-FINRA-2010-060] Self... Changes to Certain FINRA Rules November 16, 2010. Pursuant to Section 19(b)(1) of the Securities Exchange..., 2010, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange...

Self-confidence in financial analysis: a study of younger and older male professional analysts.

PubMed

Webster, R L; Ellis, T S

2001-06-01

Measures of reported self-confidence in performing financial analysis by 59 professional male analysts, 31 born between 1946 and 1964 and 28 born between 1965 and 1976, were investigated and reported. Self-confidence in one's ability is important in the securities industry because it affects recommendations and decisions to buy, sell, and hold securities. The respondents analyzed a set of multiyear corporate financial statements and reported their self-confidence in six separate financial areas. Data from the 59 male financial analysts were tallied and analyzed using both univariate and multivariate statistical tests. Rated self-confidence was not significantly different for the younger and the older men. These results are not consistent with a similar prior study of female analysts in which younger women showed significantly higher self-confidence than older women.

17 CFR 405.4 - Financial recordkeeping and reporting of currency and foreign transactions by registered...

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Financial recordkeeping and reporting of currency and foreign transactions by registered government securities brokers and dealers. 405.4 Section 405.4 Commodity and Securities Exchanges DEPARTMENT OF THE TREASURY REGULATIONS UNDER...

17 CFR 405.4 - Financial recordkeeping and reporting of currency and foreign transactions by registered...

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Financial recordkeeping and reporting of currency and foreign transactions by registered government securities brokers and dealers. 405.4 Section 405.4 Commodity and Securities Exchanges DEPARTMENT OF THE TREASURY REGULATIONS UNDER...

75 FR 60157 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-29

...-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate..., 2010, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange... information about the rulebook consolidation process, see Information Notice, March 12, 2008 (Rulebook...

31 CFR 1023.540 - Voluntary information sharing among financial institutions.

Code of Federal Regulations, 2012 CFR

2012-07-01

... and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Special Information Sharing Procedures To Deter Money Laundering and...

31 CFR 1023.540 - Voluntary information sharing among financial institutions.

Code of Federal Regulations, 2011 CFR

2011-07-01

... and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Special Information Sharing Procedures To Deter Money Laundering and...

31 CFR 1023.540 - Voluntary information sharing among financial institutions.

Code of Federal Regulations, 2014 CFR

2014-07-01

... and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Special Information Sharing Procedures To Deter Money Laundering and...

31 CFR 1023.540 - Voluntary information sharing among financial institutions.

Code of Federal Regulations, 2013 CFR

2013-07-01

... and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Special Information Sharing Procedures To Deter Money Laundering and...

17 CFR 240.3b-14 - Definition of cash management securities activities.

Code of Federal Regulations, 2010 CFR

2010-04-01

... derivative instruments or other financial instruments; (b) Cash management, in connection with any securities... § 240.15a-1 or any non-securities activities that involve eligible OTC derivative instruments or other... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Definition of cash management...

Financial Literacy at Minority-Serving Institutions

ERIC Educational Resources Information Center

Looney, Shannon M.

2011-01-01

Mounting student debt to cover rising college costs is creating a challenging environment for a number of students pursuing a college degree. For many, a college degree is an avenue to financial success and long-term stability. Most college graduates experience more stable employment, higher income, security through assets, and an overall better…

Secured Transactions: An Integrated Classroom Approach Using Financial Statements and Acronyms

ERIC Educational Resources Information Center

Seganish, W. Michael

2005-01-01

Students struggle with the subject of secured transactions under the Uniform Commercial Code. In this article, the author presents a method that uses balance-sheet information to help students visualize the difference between secured and unsecured creditors. The balance sheet is also used in the Uniform Commercial Code process, in which one must…

76 FR 40412 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-08

...-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate..., Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange Commission... a more limited application by their terms. For more information about the rulebook consolidation...

76 FR 20759 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-13

...-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate..., 2011, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange.... For more information about the rulebook consolidation process, see Information Notice, March 12, 2008...

31 CFR 561.308 - Foreign financial institution.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Foreign financial institution. 561.308 Section 561.308 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... brokering loans or credits, or purchasing or selling foreign exchange, securities, commodity futures or...

31 CFR 561.308 - Foreign financial institution.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Foreign financial institution. 561.308 Section 561.308 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... brokering loans or credits, or purchasing or selling foreign exchange, securities, commodity futures or...

31 CFR 561.308 - Foreign financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Foreign financial institution. 561.308 Section 561.308 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... brokering loans or credits, or purchasing or selling foreign exchange, securities, commodity futures or...

5 CFR 4001.103 - Prohibited financial interests.

Code of Federal Regulations, 2010 CFR

2010-01-01

... in a publicly traded or publicly available investment fund which, in its prospectus, does not indicate the objective or practice of concentrating its investments in the securities of System... exercise control over the financial interests held in the fund; (2) Having a legal or beneficial interest...

75 FR 5834 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-02-04

...-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate Effectiveness of Proposed Rule Change To Update Certain Cross-References and Make Other Various Non-Substantive..., 2010, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange...

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...

76 FR 32246 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-03

...-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'') filed with the Securities and Exchange Commission...

A Multifactor Secure Authentication System for Wireless Payment

NASA Astrophysics Data System (ADS)

Sanyal, Sugata; Tiwari, Ayu; Sanyal, Sudip

Organizations are deploying wireless based online payment applications to expand their business globally, it increases the growing need of regulatory requirements for the protection of confidential data, and especially in internet based financial areas. Existing internet based authentication systems often use either the Web or the Mobile channel individually to confirm the claimed identity of the remote user. The vulnerability is that access is based on only single factor authentication which is not secure to protect user data, there is a need of multifactor authentication. This paper proposes a new protocol based on multifactor authentication system that is both secure and highly usable. It uses a novel approach based on Transaction Identification Code and SMS to enforce another security level with the traditional Login/password system. The system provides a highly secure environment that is simple to use and deploy with in a limited resources that does not require any change in infrastructure or underline protocol of wireless network. This Protocol for Wireless Payment is extended as a two way authentications system to satisfy the emerging market need of mutual authentication and also supports secure B2B communication which increases faith of the user and business organizations on wireless financial transaction using mobile devices.

Social Security Privatization and the Annuities Market

DTIC Science & Technology

1998-02-01

34Economic Status as a Determinant of Mortality Among Black and White Older Men: Does Poverty Kill?" Population Studies, vol. 47 (1993), pp. 427-436. 43...have been analyzing the financial pressures on Social Security and devising new ways Americans could prepare for retirement. Those proposals...loosely called "pri- vatization"—would prefund retirement income in personal accounts that workers could invest in the financial market and then spend

76 FR 59759 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-27

... FINRA members have attained specified levels of competence and knowledge, consistent with applicable... functions: F1: Seeks Business for the Broker-Dealer through Customers and Potential Customers, 20 questions; F2: Evaluates Customers' Other Security Holdings, Financial Situation and Needs, Financial Status...

17 CFR 1.52 - Self-regulatory organization adoption and surveillance of minimum financial requirements.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 17 Commodity and Securities Exchanges 1 2013-04-01 2013-04-01 false Self-regulatory organization... Miscellaneous § 1.52 Self-regulatory organization adoption and surveillance of minimum financial requirements. (a) Each self-regulatory organization must adopt rules prescribing minimum financial and related...

5 CFR 9001.104 - Prohibited financial interests.

Code of Federal Regulations, 2012 CFR

2012-01-01

... directly or indirectly own or control: (1) A security for which a waiver has been granted pursuant to... to the effective date of this part or the commencement of employment with FHFA or without specific... this part, commencement of employment with FHFA, or acquisition of such interest. Such financial...

5 CFR 9001.104 - Prohibited financial interests.

Code of Federal Regulations, 2013 CFR

2013-01-01

... directly or indirectly own or control: (1) A security for which a waiver has been granted pursuant to... to the effective date of this part or the commencement of employment with FHFA or without specific... this part, commencement of employment with FHFA, or acquisition of such interest. Such financial...

5 CFR 9001.104 - Prohibited financial interests.

Code of Federal Regulations, 2014 CFR

2014-01-01

... directly or indirectly own or control: (1) A security for which a waiver has been granted pursuant to... to the effective date of this part or the commencement of employment with FHFA or without specific... this part, commencement of employment with FHFA, or acquisition of such interest. Such financial...

7 CFR 772.8 - Sale or exchange of security property.

Code of Federal Regulations, 2014 CFR

2014-01-01

..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.8 Sale or exchange of security..., or sex in programs or activities receiving Federal financial assistance. Such provisions apply for as... security for the loan is adequate or will not change after the transaction. (iv) Sale proceeds remaining...

7 CFR 772.8 - Sale or exchange of security property.

Code of Federal Regulations, 2011 CFR

2011-01-01

..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.8 Sale or exchange of security..., or sex in programs or activities receiving Federal financial assistance. Such provisions apply for as... security for the loan is adequate or will not change after the transaction. (iv) Sale proceeds remaining...

7 CFR 772.8 - Sale or exchange of security property.

Code of Federal Regulations, 2012 CFR

2012-01-01

..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.8 Sale or exchange of security..., or sex in programs or activities receiving Federal financial assistance. Such provisions apply for as... security for the loan is adequate or will not change after the transaction. (iv) Sale proceeds remaining...

7 CFR 772.8 - Sale or exchange of security property.

Code of Federal Regulations, 2013 CFR

2013-01-01

..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.8 Sale or exchange of security..., or sex in programs or activities receiving Federal financial assistance. Such provisions apply for as... security for the loan is adequate or will not change after the transaction. (iv) Sale proceeds remaining...

Boosting Financial Literacy in America: A Role for State Colleges and Universities. Perspectives

ERIC Educational Resources Information Center

Harnisch, Thomas L.

2010-01-01

Given the overarching ramifications that financial literacy plays in the modern economy, this paper contends that a renewed emphasis on financial literacy is central to individual, family and communal economic security. New responsibilities and opportunities given to consumers, such as retirement planning, have increased the need for more…

33 CFR 135.401 - Access to vessel, Certificates of Financial Responsibility.

Code of Federal Regulations, 2012 CFR

2012-07-01

... HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OFFSHORE OIL POLLUTION COMPENSATION FUND Access, Denial, and Detention § 135.401 Access to vessel, Certificates of...

33 CFR 135.401 - Access to vessel, Certificates of Financial Responsibility.

Code of Federal Regulations, 2011 CFR

2011-07-01

... HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OFFSHORE OIL POLLUTION COMPENSATION FUND Access, Denial, and Detention § 135.401 Access to vessel, Certificates of...

33 CFR 135.401 - Access to vessel, Certificates of Financial Responsibility.

Code of Federal Regulations, 2010 CFR

2010-07-01

... HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OFFSHORE OIL POLLUTION COMPENSATION FUND Access, Denial, and Detention § 135.401 Access to vessel, Certificates of...

33 CFR 135.401 - Access to vessel, Certificates of Financial Responsibility.

Code of Federal Regulations, 2013 CFR

2013-07-01

... HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OFFSHORE OIL POLLUTION COMPENSATION FUND Access, Denial, and Detention § 135.401 Access to vessel, Certificates of...

33 CFR 135.401 - Access to vessel, Certificates of Financial Responsibility.

Code of Federal Regulations, 2014 CFR

2014-07-01

... HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OFFSHORE OIL POLLUTION COMPENSATION FUND Access, Denial, and Detention § 135.401 Access to vessel, Certificates of...

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...

Entropy-based financial asset pricing.

PubMed

Ormos, Mihály; Zibriczky, Dávid

2014-01-01

We investigate entropy as a financial risk measure. Entropy explains the equity premium of securities and portfolios in a simpler way and, at the same time, with higher explanatory power than the beta parameter of the capital asset pricing model. For asset pricing we define the continuous entropy as an alternative measure of risk. Our results show that entropy decreases in the function of the number of securities involved in a portfolio in a similar way to the standard deviation, and that efficient portfolios are situated on a hyperbola in the expected return-entropy system. For empirical investigation we use daily returns of 150 randomly selected securities for a period of 27 years. Our regression results show that entropy has a higher explanatory power for the expected return than the capital asset pricing model beta. Furthermore we show the time varying behavior of the beta along with entropy.

Entropy-Based Financial Asset Pricing

PubMed Central

Ormos, Mihály; Zibriczky, Dávid

2014-01-01

We investigate entropy as a financial risk measure. Entropy explains the equity premium of securities and portfolios in a simpler way and, at the same time, with higher explanatory power than the beta parameter of the capital asset pricing model. For asset pricing we define the continuous entropy as an alternative measure of risk. Our results show that entropy decreases in the function of the number of securities involved in a portfolio in a similar way to the standard deviation, and that efficient portfolios are situated on a hyperbola in the expected return – entropy system. For empirical investigation we use daily returns of 150 randomly selected securities for a period of 27 years. Our regression results show that entropy has a higher explanatory power for the expected return than the capital asset pricing model beta. Furthermore we show the time varying behavior of the beta along with entropy. PMID:25545668

The role of optics in secure credentials

NASA Astrophysics Data System (ADS)

Lichtenstein, Terri L.

2006-02-01

The global need for secure ID credentials has grown rapidly over the last few years. This is evident both in government and commercial sectors. Governmental programs include national ID card programs, permanent resident cards for noncitizens, biometric visas or border crossing cards, foreign worker ID programs and secure vehicle registration programs. The commercial need for secure credentials includes secure banking and financial services, security and access control systems and digital healthcare record cards. All of these programs necessitate the use of multiple tamper and counterfeit resistant features for credential authentication and cardholder verification. It is generally accepted that a secure credential should include a combination of overt, covert and forensic security features. The LaserCard optical memory card is a proven example of a secure credential that uses a variety of optical features to enhance its counterfeit resistance and reliability. This paper will review those features and how they interact to create a better credential.

20 CFR 416.1247 - Exclusion of a dedicated account in a financial institution.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 20 Employees' Benefits 2 2014-04-01 2014-04-01 false Exclusion of a dedicated account in a financial institution. 416.1247 Section 416.1247 Employees' Benefits SOCIAL SECURITY ADMINISTRATION SUPPLEMENTAL SECURITY INCOME FOR THE AGED, BLIND, AND DISABLED Resources and Exclusions § 416.1247 Exclusion of...

75 FR 11605 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-11

...-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate... Reporting Facility and OTC Reporting Facility Fees March 4, 2010. Pursuant to Section 19(b)(1) of the... March 1, 2010, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and...

Marine data security based on blockchain technology

NASA Astrophysics Data System (ADS)

Yang, Zhao; Xie, Weiwei; Huang, Lei; Wei, Zhiqiang

2018-03-01

With the development of marine observation technology and network technology, the volume of marine data growing rapidly. This brings new challenges for data storage and transmission. How to protect data security of marine big data has become an urgent problem. The traditional information security methods’ characteristic is centralization. These technologies cannot provide whole process protection, e.g., data storage, data management and application of data. The blockchain technology is a novel technology, which can keep the data security and reliability by using decentralized methodology. It has aroused wide interest in the financial field. In this paper, we describe the concept, characteristics and key technologies of blockchain technology and introduce it into the field of marine data security.

The Effect of International Financial Reporting Standards Convergence on U. S. Accounting Curriculum

ERIC Educational Resources Information Center

Bates, Homer L.; Waldrup, Bobby E.; Shea, Vincent

2011-01-01

Major changes are coming to U.S. financial accounting and accounting education as U. S. generally accepted accounting principles (GAAP) and international financial reporting standards (IFRS) converge within the next few years. In 2008, the U.S. Securities and Exchange Commission (SEC) published a proposed "road map" for the potential…

78 FR 29190 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving the...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-05-17

... entered into an order management system (including orders received via telephone or instant message) and... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-69561; File No. SR-FINRA-2013-013] Self..., 2013, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange...

76 FR 36586 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-22

.../ securities lending; (ix) prime brokerage (services to other broker- dealers and financial institutions); (x... are provided via agreements with other financial institutions, and transactional information related... institutions.\\86\\ Additionally, the commenter points out that broker- dealers use exchanges and third-party...

The 1983 Amendments to the Social Security Act: The Issue of Intergenerational Equity.

ERIC Educational Resources Information Center

Ozawa, Martha N.

1984-01-01

Reviews the conditions that prevailed before the passage of the 1983 amendments to the Social Security Act, the probable effects of the amendments, and the future direction of social security. Questions whether the amendments have in reality rescued social security from financial insolvency and discusses the concept of intergenerational equity.…

17 CFR 210.3-09 - Separate financial statements of subsidiaries not consolidated and 50 percent or less owned persons.

Code of Federal Regulations, 2010 CFR

2010-04-01

... financial statements of subsidiaries not consolidated and 50 percent or less owned persons. (a) If any of... consolidated financial statements required by §§ 210.3-01 and 3-02. However, these separate financial... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Separate financial statements...

"I will never be the granny with rosy cheeks": perceptions of aging in precarious and financially secure middle-aged Germans.

PubMed

Craciun, Catrinel; Flick, Uwe

2014-04-01

Nowadays people are growing old in a context where youth culture is the norm and where self-initiative is required in order to prepare for a good old age. However, planning old age may be more difficult for certain social groups with insecure work and living conditions. Precariousness, defined as bad financial conditions but also as having an insecure, unpredictable existence, has been little studied in the context of aging. This study brings its contribution by exploring how middle-aged adults with different social security backgrounds (insurance versus no insurance) think about aging. Episodic interviews were conducted to explore their concepts of aging, contexts of thinking about aging and perceptions of aging. These were compared between groups who have a secure old age ahead of them (N=10) versus those who have to struggle with an uncertain present and future (N=10). Also, differences between men (N=11) and women (N=9) were addressed. Results of the thematic analysis showed the predominance of fears related to aging as well as an emerging meaninglessness attached to old age. Starting from the different images of aging found in the two studied groups, the need for tailored interventions and policy are discussed. Copyright © 2014 Elsevier Inc. All rights reserved.

FINANCIAL LITERACY AROUND THE WORLD: AN OVERVIEW

PubMed Central

Lusardi, Annamaria; Mitchell, Olivia S.

2017-01-01

In an increasingly risky and globalized marketplace, people must be able to make well-informed financial decisions. Yet new international research demonstrates that financial illiteracy is widespread when financial markets are well developed as in Germany, the Netherlands, Sweden, Japan, Italy, New Zealand, and the United States, or when they are changing rapidly as in Russia. Further, across these countries, we show that the older population believes itself well informed, even though it is actually less well informed than average. Other common patterns are also evident: women are less financially literate than men and are aware of this shortfall. More educated people are more informed, yet education is far from a perfect proxy for literacy. There are also ethnic/racial and regional differences: city-dwellers in Russia are better informed than their rural counterparts, while in the U.S., African Americans and Hispanics are relatively less financially literate than others. Moreover, the more financially knowledgeable are also those most likely to plan for retirement. In fact, answering one additional financial question correctly is associated with a 3–4 percentage point higher chance of planning for retirement in countries as diverse as Germany, the U.S., Japan, and Sweden; in the Netherlands, it boosts planning by 10 percentage points. Finally, using instrumental variables, we show that these estimates probably underestimate the effects of financial literacy on retirement planning. In sum, around the world, financial literacy is critical to retirement security. PMID:28553190

FINANCIAL LITERACY AROUND THE WORLD: AN OVERVIEW.

PubMed

Lusardi, Annamaria; Mitchell, Olivia S

2011-10-01

In an increasingly risky and globalized marketplace, people must be able to make well-informed financial decisions. Yet new international research demonstrates that financial illiteracy is widespread when financial markets are well developed as in Germany, the Netherlands, Sweden, Japan, Italy, New Zealand, and the United States, or when they are changing rapidly as in Russia. Further, across these countries, we show that the older population believes itself well informed, even though it is actually less well informed than average. Other common patterns are also evident: women are less financially literate than men and are aware of this shortfall. More educated people are more informed, yet education is far from a perfect proxy for literacy. There are also ethnic/racial and regional differences: city-dwellers in Russia are better informed than their rural counterparts, while in the U.S., African Americans and Hispanics are relatively less financially literate than others. Moreover, the more financially knowledgeable are also those most likely to plan for retirement. In fact, answering one additional financial question correctly is associated with a 3-4 percentage point higher chance of planning for retirement in countries as diverse as Germany, the U.S., Japan, and Sweden; in the Netherlands, it boosts planning by 10 percentage points. Finally, using instrumental variables, we show that these estimates probably underestimate the effects of financial literacy on retirement planning. In sum, around the world, financial literacy is critical to retirement security.

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.

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

Code of Federal Regulations, 2010 CFR

2010-07-01

... FINANCIAL PRIVACY ACT OF 1978 Pt. 275, App. G Appendix G to Part 275—Releasing Information Obtained From... record was obtained pursuant to the Right to Financial Privacy Act of 1978, 12 U.S.C. 3401 et seq., and... transferring law enforcement office, personnel security element, or intelligence organization, or designee...

31 CFR 1023.610 - Due diligence programs for correspondent accounts for foreign financial institutions.

Code of Federal Regulations, 2014 CFR

2014-07-01

... Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Special Standards of Diligence; Prohibitions; and Special Measures for Brokers or Dealers in Securities § 1023.610 Due diligence programs for correspondent...

31 CFR 1023.610 - Due diligence programs for correspondent accounts for foreign financial institutions.

Code of Federal Regulations, 2013 CFR

2013-07-01

... Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Special Standards of Diligence; Prohibitions; and Special Measures for Brokers or Dealers in Securities § 1023.610 Due diligence programs for correspondent...

31 CFR 1023.610 - Due diligence programs for correspondent accounts for foreign financial institutions.

Code of Federal Regulations, 2012 CFR

2012-07-01

... Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Special Standards of Diligence; Prohibitions; and Special Measures for Brokers or Dealers in Securities § 1023.610 Due diligence programs for correspondent...

31 CFR 1023.610 - Due diligence programs for correspondent accounts for foreign financial institutions.

Code of Federal Regulations, 2011 CFR

2011-07-01

... Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Special Standards of Diligence; Prohibitions; and Special Measures for Brokers or Dealers in Securities § 1023.610 Due diligence programs for correspondent...

20 CFR 416.1321 - Suspension for not giving us permission to contact financial institutions.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 20 Employees' Benefits 2 2014-04-01 2014-04-01 false Suspension for not giving us permission to contact financial institutions. 416.1321 Section 416.1321 Employees' Benefits SOCIAL SECURITY ADMINISTRATION SUPPLEMENTAL SECURITY INCOME FOR THE AGED, BLIND, AND DISABLED Suspensions and Terminations § 416...

76 FR 60567 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-29

...-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of Proposed Rule Change To Create an Exemption From Certain Reporting Obligations Under the Equity Trade Reporting Rules... September 16, 2011, the Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities...

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...

76 FR 54998 - Request for Information on Consumer Financial Products and Services Offered to Servicemembers

Federal Register 2010, 2011, 2012, 2013, 2014

2011-09-06

... public disclosure. Sensitive personal information such as account numbers or Social Security numbers... in person and online? 4. What programs, policies, accommodations, or benefits do financial service... protections and fraud protections. 5. What unique assistance, if any, is currently offered by financial...

17 CFR 230.144A - Private resales of securities to institutions.

Code of Federal Regulations, 2011 CFR

2011-04-01

... assets consist solely of shares of one or more registered investment companies, that have the same... annual financial statements, as of a date not more than 16 months preceding the date of sale under the... securities holdings in its financial statements on the basis of their market value, and no current...

31 CFR 576.316 - U.S. financial institution.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false U.S. financial institution. 576.316 Section 576.316 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof...

31 CFR 593.312 - U.S. financial institution.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false U.S. financial institution. 593.312 Section 593.312 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 540.319 - U.S. financial institution.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false U.S. financial institution. 540.319 Section 540.319 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 593.312 - U.S. financial institution.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false U.S. financial institution. 593.312 Section 593.312 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 562.310 - U.S. financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false U.S. financial institution. 562.310 Section 562.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof...

31 CFR 588.311 - U.S. financial institution.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false U.S. financial institution. 588.311 Section 588.311 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof, as...

31 CFR 576.316 - U.S. financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false U.S. financial institution. 576.316 Section 576.316 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof...

31 CFR 560.327 - U.S. financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false U.S. financial institution. 560.327 Section 560.327 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof, as...

31 CFR 576.316 - U.S. financial institution.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false U.S. financial institution. 576.316 Section 576.316 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof...

31 CFR 544.311 - U.S. financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false U.S. financial institution. 544.311 Section 544.311 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 544.311 - U.S. financial institution.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false U.S. financial institution. 544.311 Section 544.311 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 540.319 - U.S. financial institution.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false U.S. financial institution. 540.319 Section 540.319 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 544.311 - U.S. financial institution.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false U.S. financial institution. 544.311 Section 544.311 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 576.316 - U.S. financial institution.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false U.S. financial institution. 576.316 Section 576.316 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof...

31 CFR 545.314 - U.S. financial institution.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false U.S. financial institution. 545.314 Section 545.314 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof, as...

31 CFR 593.312 - U.S. financial institution.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false U.S. financial institution. 593.312 Section 593.312 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 593.312 - U.S. financial institution.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false U.S. financial institution. 593.312 Section 593.312 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 542.321 - U.S. financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false U.S. financial institution. 542.321 Section 542.321 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof, as...

31 CFR 593.312 - U.S. financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false U.S. financial institution. 593.312 Section 593.312 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 537.320 - U.S. financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false U.S. financial institution. 537.320 Section 537.320 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof, as...

31 CFR 562.310 - U.S. financial institution.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false U.S. financial institution. 562.310 Section 562.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof...

31 CFR 562.310 - U.S. financial institution.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false U.S. financial institution. 562.310 Section 562.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof...

31 CFR 544.311 - U.S. financial institution.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false U.S. financial institution. 544.311 Section 544.311 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 562.310 - U.S. financial institution.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false U.S. financial institution. 562.310 Section 562.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof...

31 CFR 540.319 - U.S. financial institution.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false U.S. financial institution. 540.319 Section 540.319 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 544.311 - U.S. financial institution.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false U.S. financial institution. 544.311 Section 544.311 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 540.319 - U.S. financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false U.S. financial institution. 540.319 Section 540.319 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

31 CFR 560.327 - U.S. financial institution.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false U.S. financial institution. 560.327 Section 560.327 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... exchange, securities, commodity futures or options, or procuring purchasers and sellers thereof, as...

31 CFR 540.319 - U.S. financial institution.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false U.S. financial institution. 540.319 Section 540.319 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... selling foreign exchange, securities, commodity futures or options, or procuring purchasers and sellers...

40 CFR 280.95 - Financial test of self-insurance.

Code of Federal Regulations, 2011 CFR

2011-07-01

... Energy Information Administration, or the Rural Electrification Administration; or (ii) Report annually.... Securities and Exchange Commission, the Energy Information Administration or the Rural Electrification... public accountant stating that: (i) He has compared the data that the letter form the chief financial...

40 CFR 280.95 - Financial test of self-insurance.

Code of Federal Regulations, 2012 CFR

2012-07-01

... Energy Information Administration, or the Rural Electrification Administration; or (ii) Report annually.... Securities and Exchange Commission, the Energy Information Administration or the Rural Electrification... public accountant stating that: (i) He has compared the data that the letter form the chief financial...

40 CFR 280.95 - Financial test of self-insurance.

Code of Federal Regulations, 2013 CFR

2013-07-01

... Energy Information Administration, or the Rural Electrification Administration; or (ii) Report annually.... Securities and Exchange Commission, the Energy Information Administration or the Rural Electrification... public accountant stating that: (i) He has compared the data that the letter form the chief financial...

40 CFR 280.95 - Financial test of self-insurance.

Code of Federal Regulations, 2014 CFR

2014-07-01

... Energy Information Administration, or the Rural Electrification Administration; or (ii) Report annually.... Securities and Exchange Commission, the Energy Information Administration or the Rural Electrification... public accountant stating that: (i) He has compared the data that the letter form the chief financial...

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...

The AS (Administrative Sciences) Financial Reporting System: Some Experience on Prototyping and User Interaction.

DTIC Science & Technology

1986-03-27

RD-RI69 841 THE AS (ADMINISTRATIVE SCIENCES) FINANCIAL REPORTING i4 SYSTEN: SOME EXPERIE.. (U) NAVAL POSTGRADUATE SCHOOL MONTEREY CA R L BOOKER 27...Monterey, California * II LECp THESIS THE AS FINANCIAL REPORTING SYSTEM: SOME EXPERIENCE ON PROTOTYPING AND USER INTERACTION by Ronald L. Booker March...7ASK WORK UNIT ELEMENT NO. NO. NO ACCESSION NO ’ITITLE (Include Security Cassfication) THE AS FINANCIAL REPORTING SYSTEM: SOME EXPERIENCE ON PROTOTYPING

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…

Statistical security for Social Security.

PubMed

Soneji, Samir; King, Gary

2012-08-01

The financial viability of Social Security, the single largest U.S. government program, depends on accurate forecasts of the solvency of its intergenerational trust fund. We begin by detailing information necessary for replicating the Social Security Administration's (SSA's) forecasting procedures, which until now has been unavailable in the public domain. We then offer a way to improve the quality of these procedures via age- and sex-specific mortality forecasts. The most recent SSA mortality forecasts were based on the best available technology at the time, which was a combination of linear extrapolation and qualitative judgments. Unfortunately, linear extrapolation excludes known risk factors and is inconsistent with long-standing demographic patterns, such as the smoothness of age profiles. Modern statistical methods typically outperform even the best qualitative judgments in these contexts. We show how to use such methods, enabling researchers to forecast using far more information, such as the known risk factors of smoking and obesity and known demographic patterns. Including this extra information makes a substantial difference. For example, by improving only mortality forecasting methods, we predict three fewer years of net surplus, $730 billion less in Social Security Trust Funds, and program costs that are 0.66% greater for projected taxable payroll by 2031 compared with SSA projections. More important than specific numerical estimates are the advantages of transparency, replicability, reduction of uncertainty, and what may be the resulting lower vulnerability to the politicization of program forecasts. In addition, by offering with this article software and detailed replication information, we hope to marshal the efforts of the research community to include ever more informative inputs and to continue to reduce uncertainties in Social Security forecasts.

The story of the social security number.

PubMed

Puckett, Carolyn

2009-01-01

The use of the Social Security number (SSN) has expanded significantly since its inception in 1936. Created merely to keep track of the earnings history of U.S. workers for Social Security entitlement and benefit computation purposes, it has come to be used as a nearly universal identifier. Assigned at birth, the SSN enables government agencies to identify individuals in their records and businesses to track an individual's financial information. This article explores the history and meaning of the SSN and the Social Security card, as well as the Social Security Administration's (SSA's) SSN master file, generally known as the Numident. The article also traces the historical expansion of SSN use and the steps SSA has taken to enhance SSN integrity.

31 CFR 561.309 - U.S. financial institution.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false U.S. financial institution. 561.309 Section 561.309 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... brokering loans or credits, or purchasing or selling foreign exchange, securities, commodity futures or...

31 CFR 586.317 - U.S. financial institution.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false U.S. financial institution. 586.317 Section 586.317 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... purchasing or selling foreign exchange, securities, commodity futures or options, or procuring purchasers and...

31 CFR 590.313 - U.S. financial institution.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false U.S. financial institution. 590.313 Section 590.313 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... foreign exchange, securities, or commodity futures or options, or procuring purchasers and sellers thereof...

31 CFR 561.309 - U.S. financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false U.S. financial institution. 561.309 Section 561.309 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... brokering loans or credits, or purchasing or selling foreign exchange, securities, commodity futures or...

31 CFR 536.317 - U.S. financial institution.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false U.S. financial institution. 536.317 Section 536.317 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE..., securities, commodity futures or options, or procuring purchasers and sellers thereof, as principal or agent...

31 CFR 588.310 - U.S. financial institution.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false U.S. financial institution. 588.310 Section 588.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... exchange, securities, or commodity futures or options, or procuring purchasers and sellers thereof, as...

31 CFR 585.318 - U.S. financial institution.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false U.S. financial institution. 585.318 Section 585.318 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE..., securities, commodity futures or options, or procuring purchasers and sellers thereof, as principal or agent...

31 CFR 588.310 - U.S. financial institution.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false U.S. financial institution. 588.310 Section 588.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... exchange, securities, or commodity futures or options, or procuring purchasers and sellers thereof, as...

31 CFR 587.311 - U.S. financial institution.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false U.S. financial institution. 587.311 Section 587.311 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... credits, or purchasing or selling foreign exchange, securities, commodity futures or options, or procuring...

31 CFR 536.317 - U.S. financial institution.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false U.S. financial institution. 536.317 Section 536.317 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE..., securities, commodity futures or options, or procuring purchasers and sellers thereof, as principal or agent...

31 CFR 561.309 - U.S. financial institution.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false U.S. financial institution. 561.309 Section 561.309 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... brokering loans or credits, or purchasing or selling foreign exchange, securities, commodity futures or...

31 CFR 536.317 - U.S. financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false U.S. financial institution. 536.317 Section 536.317 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE..., securities, commodity futures or options, or procuring purchasers and sellers thereof, as principal or agent...

31 CFR 536.317 - U.S. financial institution.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false U.S. financial institution. 536.317 Section 536.317 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE..., securities, commodity futures or options, or procuring purchasers and sellers thereof, as principal or agent...

31 CFR 588.310 - U.S. financial institution.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false U.S. financial institution. 588.310 Section 588.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... exchange, securities, or commodity futures or options, or procuring purchasers and sellers thereof, as...

31 CFR 590.313 - U.S. financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false U.S. financial institution. 590.313 Section 590.313 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... foreign exchange, securities, or commodity futures or options, or procuring purchasers and sellers thereof...

31 CFR 536.317 - U.S. financial institution.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false U.S. financial institution. 536.317 Section 536.317 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE..., securities, commodity futures or options, or procuring purchasers and sellers thereof, as principal or agent...

31 CFR 590.313 - U.S. financial institution.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false U.S. financial institution. 590.313 Section 590.313 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... foreign exchange, securities, or commodity futures or options, or procuring purchasers and sellers thereof...

31 CFR 588.310 - U.S. financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false U.S. financial institution. 588.310 Section 588.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... exchange, securities, or commodity futures or options, or procuring purchasers and sellers thereof, as...

75 FR 41254 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving a...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-07-15

... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-62476; File No. SR-FINRA-2010-012] Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving a Proposed Rule Change To Amend FINRA Rule 8312 (FINRA BrokerCheck Disclosure) July 8, 2010. I. Introduction On March 30, 2010, the Financial Industry Regulatory...

31 CFR 203.4 - Financial institution eligibility for designation as a TT&L depositary.

Code of Federal Regulations, 2010 CFR

2010-07-01

... PAYMENT OF FEDERAL TAXES AND THE TREASURY TAX AND LOAN PROGRAM General Information § 203.4 Financial... secure TT&L account balances, a TIP main account balance, an SDI account balance, or a no account balance... Federal tax deposits through PATAX, a financial institution must possess under its charter either general...

17 CFR 210.2-05 - Examination of financial statements by more than one accountant.

Code of Federal Regulations, 2010 CFR

2010-04-01

... statements by more than one accountant. 210.2-05 Section 210.2-05 Commodity and Securities Exchanges... Qualifications and Reports of Accountants § 210.2-05 Examination of financial statements by more than one accountant. If, with respect to the examination of the financial statements, part of the examination is made...

17 CFR 210.2-05 - Examination of financial statements by more than one accountant.

Code of Federal Regulations, 2011 CFR

2011-04-01

... statements by more than one accountant. 210.2-05 Section 210.2-05 Commodity and Securities Exchanges... Qualifications and Reports of Accountants § 210.2-05 Examination of financial statements by more than one accountant. If, with respect to the examination of the financial statements, part of the examination is made...

Financial Bubbles, Real Estate Bubbles, Derivative Bubbles, and the Financial and Economic Crisis

NASA Astrophysics Data System (ADS)

Sornette, Didier; Woodard, Ryan

The financial crisis of 2008, which started with an initially well-defined epicenter focused on mortgage backed securities (MBS), has been cascading into a global economic recession, whose increasing severity and uncertain duration has led and is continuing to lead to massive losses and damage for billions of people. Heavy central bank interventions and government spending programs have been launched worldwide and especially in the USA and Europe, with the hope to unfreeze credit and bolster consumption. Here, we present evidence and articulate a general framework that allows one to diagnose the fundamental cause of the unfolding financial and economic crisis: the accumulation of several bubbles and their interplay and mutual reinforcement have led to an illusion of a "perpetual money machine" allowing financial institutions to extract wealth from an unsustainable artificial process. Taking stock of this diagnostic, we conclude that many of the interventions to address the so-called liquidity crisis and to encourage more consumption are ill-advised and even dangerous, given that precautionary reserves were not accumulated in the "good times" but that huge liabilities were. The most "interesting" present times constitute unique opportunities but also great challenges, for which we offer a few recommendations.

Enhanced capital-asset pricing model for the reconstruction of bipartite financial networks.

PubMed

Squartini, Tiziano; Almog, Assaf; Caldarelli, Guido; van Lelyveld, Iman; Garlaschelli, Diego; Cimini, Giulio

2017-09-01

Reconstructing patterns of interconnections from partial information is one of the most important issues in the statistical physics of complex networks. A paramount example is provided by financial networks. In fact, the spreading and amplification of financial distress in capital markets are strongly affected by the interconnections among financial institutions. Yet, while the aggregate balance sheets of institutions are publicly disclosed, information on single positions is mostly confidential and, as such, unavailable. Standard approaches to reconstruct the network of financial interconnection produce unrealistically dense topologies, leading to a biased estimation of systemic risk. Moreover, reconstruction techniques are generally designed for monopartite networks of bilateral exposures between financial institutions, thus failing in reproducing bipartite networks of security holdings (e.g., investment portfolios). Here we propose a reconstruction method based on constrained entropy maximization, tailored for bipartite financial networks. Such a procedure enhances the traditional capital-asset pricing model (CAPM) and allows us to reproduce the correct topology of the network. We test this enhanced CAPM (ECAPM) method on a dataset, collected by the European Central Bank, of detailed security holdings of European institutional sectors over a period of six years (2009-2015). Our approach outperforms the traditional CAPM and the recently proposed maximum-entropy CAPM both in reproducing the network topology and in estimating systemic risk due to fire sales spillovers. In general, ECAPM can be applied to the whole class of weighted bipartite networks described by the fitness model.

Enhanced capital-asset pricing model for the reconstruction of bipartite financial networks

NASA Astrophysics Data System (ADS)

Squartini, Tiziano; Almog, Assaf; Caldarelli, Guido; van Lelyveld, Iman; Garlaschelli, Diego; Cimini, Giulio

2017-09-01

Reconstructing patterns of interconnections from partial information is one of the most important issues in the statistical physics of complex networks. A paramount example is provided by financial networks. In fact, the spreading and amplification of financial distress in capital markets are strongly affected by the interconnections among financial institutions. Yet, while the aggregate balance sheets of institutions are publicly disclosed, information on single positions is mostly confidential and, as such, unavailable. Standard approaches to reconstruct the network of financial interconnection produce unrealistically dense topologies, leading to a biased estimation of systemic risk. Moreover, reconstruction techniques are generally designed for monopartite networks of bilateral exposures between financial institutions, thus failing in reproducing bipartite networks of security holdings (e.g., investment portfolios). Here we propose a reconstruction method based on constrained entropy maximization, tailored for bipartite financial networks. Such a procedure enhances the traditional capital-asset pricing model (CAPM) and allows us to reproduce the correct topology of the network. We test this enhanced CAPM (ECAPM) method on a dataset, collected by the European Central Bank, of detailed security holdings of European institutional sectors over a period of six years (2009-2015). Our approach outperforms the traditional CAPM and the recently proposed maximum-entropy CAPM both in reproducing the network topology and in estimating systemic risk due to fire sales spillovers. In general, ECAPM can be applied to the whole class of weighted bipartite networks described by the fitness model.

31 CFR 598.319 - U.S. financial institution.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false U.S. financial institution. 598.319 Section 598.319 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE..., securities, commodity futures or options, as principal or agent. This terms includes but is not limited to...

31 CFR 598.319 - U.S. financial institution.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false U.S. financial institution. 598.319 Section 598.319 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE..., securities, commodity futures or options, as principal or agent. This terms includes but is not limited to...

31 CFR 598.319 - U.S. financial institution.

Code of Federal Regulations, 2014 CFR

2014-07-01

... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false U.S. financial institution. 598.319 Section 598.319 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE..., securities, commodity futures or options, as principal or agent. This terms includes but is not limited to...

31 CFR 598.319 - U.S. financial institution.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false U.S. financial institution. 598.319 Section 598.319 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE..., securities, commodity futures or options, as principal or agent. This terms includes but is not limited to...

31 CFR 598.319 - U.S. financial institution.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 31 Money and Finance:Treasury 3 2011-07-01 2011-07-01 false U.S. financial institution. 598.319 Section 598.319 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE..., securities, commodity futures or options, as principal or agent. This terms includes but is not limited to...

Security and confidentiality of health information systems: implications for physicians.

PubMed

Dorodny, V S

1998-01-01

Adopting and developing the new generation of information systems will be essential to remain competitive in a quality conscious health care environment. These systems enable physicians to document patient encounters and aggregate the information from the population they treat, while capturing detailed data on chronic medical conditions, medications, treatment plans, risk factors, severity of conditions, and health care resource utilization and management. Today, the knowledge-based information systems should offer instant, around-the-clock access for the provider, support simple order entry, facilitate data capture and retrieval, and provide eligibility verification, electronic authentication, prescription writing, security, and reporting that benchmarks outcomes management based upon clinical/financial decisions and treatment plans. It is an integral part of any information system to incorporate and integrate transactional (financial/administrative) information, as well as analytical (clinical/medical) data in a user-friendly, readily accessible, and secure form. This article explores the technical, financial, logistical, and behavioral obstacles on the way to the Promised Land.

76 FR 72013 - Self-Regulatory Organizations; Municipal Securities Rulemaking Board; Notice of Filing of...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-21

... Joy A. Howard, Principal, WM Financial Strategies, dated September 30, 2011 (``Howard Letter''); Mike Nicholas, Chief Executive Officer, Bond Dealers of America, dated September 30, 2010 (``BDA Letter... Counsel, Securities Industry and Financial Markets Association, dated September 30, 2011 (``SIFMA Letter...

Network Security Issues

DTIC Science & Technology

1989-01-01

access. 8 An example of a Trojan Horse was one that affected many Macintosh users in 1987. The program called "Sexy Ladies " deleted files as the...be malicious, just the disruption and freezing of the system would be enough to send a panic throughout the financial world. Gold prices would soar...Protection Products," Computers and Security, Apr 88, p. 159. 15 Neil Rubenking, " Antivirus Programs Fight Data Loss," PC Magazine (First Look), 28 Jun

17 CFR 1.67 - Notification of final disciplinary action involving financial harm to a customer.

Code of Federal Regulations, 2010 CFR

2010-04-01

... disciplinary action involving financial harm to a customer. 1.67 Section 1.67 Commodity and Securities... Miscellaneous § 1.67 Notification of final disciplinary action involving financial harm to a customer. (a) Definitions. For purposes of this section: (1) Final disciplinary action means any decision by or settlement...

Financial Victimization of Adults With Severe Mental Illness

PubMed Central

Claycomb, Meredith; Black, Anne C.; Wilber, Charles; Brocke, Sophy; Lazar, Christina M.; Rosen, Marc I.

2014-01-01

Objective People with severe mental illness are vulnerable to having other people directly take or misappropriate their disability payments. This study investigated the prevalence of different types of financial victimization and the client characteristics associated with being financially victimized. Methods Adults (N=122) receiving inpatient or intensive outpatient psychiatric treatment who received Social Security disability payments completed assessments about money management and victimization. A path model was used to estimate the association of victimization with participant characteristics. Results Seventy percent of participants experienced at least one type of financial victimization in the preceding 28 days; 35% ran out of money because of victimization. Victimization was significantly associated with being younger, having had more psychiatric hospitalizations, having more recent alcohol use, and, most robustly, having problems managing money (β=.52, p<.01). Conclusions Financial victimization of disability recipients in acute care settings is common and more likely among people with recent substance use and difficulty managing their funds. PMID:24026837

20 CFR 435.20 - Purpose of financial and program management.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 20 Employees' Benefits 2 2011-04-01 2011-04-01 false Purpose of financial and program management. 435.20 Section 435.20 Employees' Benefits SOCIAL SECURITY ADMINISTRATION UNIFORM ADMINISTRATIVE... matching requirements, accounting for program income, budget revision approvals, making audits, determining...

45 CFR 205.160 - Equipment-Federal financial participation.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 45 Public Welfare 2 2014-10-01 2012-10-01 true Equipment-Federal financial participation. 205.160 Section 205.160 Public Welfare Regulations Relating to Public Welfare OFFICE OF FAMILY ASSISTANCE... section 402(a)(19)(G) of the Social Security Act are to be determined in accordance with subpart G or 45...

78 FR 19366 - Surety Companies Acceptable on Federal Bonds: Ohio Security Insurance Company

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-29

... DEPARTMENT OF THE TREASURY Fiscal Service Surety Companies Acceptable on Federal Bonds: Ohio Security Insurance Company AGENCY: Financial Management Service, Fiscal Service, Department of the Treasury... hereby issued under 31 U.S.C. 9305 to the following company: Ohio Security Insurance Company (NAIC 24082...

Addressing the Economic Security Issues Facing Same-Sex Couples.

ERIC Educational Resources Information Center

Dolan, Elizabeth M.; Stum, Marlene S.; Rupured, Michael

1999-01-01

Provides educators and researchers with an awareness of the financial security issues faced by same-sex couples and offers suggestions for incorporating the discussion of these ideas into existing curricula and research. (Author/JOW)

42 CFR 411.354 - Financial relationship, compensation, and ownership or investment interest.

Code of Federal Regulations, 2014 CFR

2014-10-01

... company memberships, as well as loans, bonds, or other financial instruments that are secured with an... this section); (iii) An unsecured loan subordinated to a credit facility (which is a compensation...

42 CFR 411.354 - Financial relationship, compensation, and ownership or investment interest.

Code of Federal Regulations, 2013 CFR

2013-10-01

... company memberships, as well as loans, bonds, or other financial instruments that are secured with an... this section); (iii) An unsecured loan subordinated to a credit facility (which is a compensation...

42 CFR 411.354 - Financial relationship, compensation, and ownership or investment interest.

Code of Federal Regulations, 2012 CFR

2012-10-01

... company memberships, as well as loans, bonds, or other financial instruments that are secured with an... this section); (iii) An unsecured loan subordinated to a credit facility (which is a compensation...

Private Security Contractors: A Way of Combating Piracy in the Horn of Africa

DTIC Science & Technology

2014-05-22

September 2011. 79Financial Action Task Force, “Financial Action Task Force Annual Report, 2010-2011,” FATF /OECD, 2011, 10. 80Andrew J. Shapiro...Report, 2010-2011.” FATF /OECD. Paris, 2011. Fox News. “Private Security Firms Join Battle Against Somali Pirates,” October 26, 2008. http

Fiscal Year 2010 U.S. Government Financial Statements: Federal Government Continues To Face Financial Management And Long-Term Fiscal Challenges

DTIC Science & Technology

2011-03-09

effective oversight of federal government programs and policies. Over the years, certain material weaknesses in internal control over...ineffective process for preparing the consolidated financial statements. In addition to the material weaknesses underlying these major impediments, GAO...noted material weaknesses involving billions of dollars in improper payments, information security, and tax collection activities. With regard to the

78 FR 50135 - AIMS Worldwide, Inc., Apollo Capital Group, Inc., CommunitySouth Financial Corp., Last Mile...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-08-16

... SECURITIES AND EXCHANGE COMMISSION [File No. 500-1] AIMS Worldwide, Inc., Apollo Capital Group, Inc., CommunitySouth Financial Corp., Last Mile Logistics Group, Inc., Made in America Entertainment... concerning the securities of Last Mile Logistics Group, Inc. because it has not filed any periodic reports...

20 CFR 435.20 - Purpose of financial and program management.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Purpose of financial and program management. 435.20 Section 435.20 Employees' Benefits SOCIAL SECURITY ADMINISTRATION UNIFORM ADMINISTRATIVE REQUIREMENTS FOR GRANTS AND AGREEMENTS WITH INSTITUTIONS OF HIGHER EDUCATION, HOSPITALS, OTHER NON-PROFIT...

The business of medicine: how to overcome financial obstacles and secure financing for your private practice and ancillary services business.

PubMed

Nayor, David

2012-01-01

Doctors across the country who operate private medical practices are facing increasing financial obstacles, namely shrinking income as a result of rising costs and lower reimbursements. In addition, as hospitals have become overburdened many physicians have opened up private surgical centers; magnetic resonance imaging and computed tomography and positron emission tomography scanning facilities; pathology labs; colonoscopy/endoscopy suites; lithotripsy centers; and other medical businesses typically performed within the hospital. Moreover, many doctors seek loans to purchase existing practices or for their capital contribution in medical partnerships. The past decade has thus seen a significant increase in the number of doctors taking out small business loans. Indeed, banks view the healthcare industry as a large growth market. This article includes practical information, advice, and resources to help doctors to secure bank financing for their practices, ancillary services business, real estate, and equipment on the best possible market terms.

5 CFR 5001.102 - Prohibited financial interests in for-hire transportation companies.

Code of Federal Regulations, 2010 CFR

2010-01-01

... the Interstate Commerce Act; or (ii) Any company, mutual fund or other enterprise which has an... on the most recent financial statement issued to its security holders by the company, fund or other...

5 CFR 5001.102 - Prohibited financial interests in for-hire transportation companies.

Code of Federal Regulations, 2011 CFR

2011-01-01

... the Interstate Commerce Act; or (ii) Any company, mutual fund or other enterprise which has an... on the most recent financial statement issued to its security holders by the company, fund or other...

17 CFR 240.17a-8 - Financial recordkeeping and reporting of currency and foreign transactions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Financial recordkeeping and reporting of currency and foreign transactions. 240.17a-8 Section 240.17a-8 Commodity and Securities... currency and foreign transactions. Every registered broker or dealer who is subject to the requirements of...

17 CFR 240.17a-8 - Financial recordkeeping and reporting of currency and foreign transactions.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Financial recordkeeping and reporting of currency and foreign transactions. 240.17a-8 Section 240.17a-8 Commodity and Securities... currency and foreign transactions. Every registered broker or dealer who is subject to the requirements of...

Financial valuation of incentive arrangements in managed care contracts: a real options approach.

PubMed

Maurer, R T

2001-01-01

Managed care provider contracts with risk-based compensation arrangements are similar to derivative securities in that the value of a contract depends on the value of a more fundamental asset: the health plan's investment in the provider's member panel. As such, the financial value of the incentive to avoid investing in the health of the member panel can be modeled using financial engineering techniques.

Physical contact and financial risk taking.

PubMed

Levav, Jonathan; Argo, Jennifer J

2010-06-01

We show that minimal physical contact can increase people's sense of security and consequently lead them to increased risk-taking behavior. In three experiments, with both hypothetical and real payoffs, a female experimenter's light, comforting pat on the shoulder led participants to greater financial risk taking. Further, this effect was both mediated and moderated by feelings of security in both male and female participants. Finally, we established the boundary conditions for the impact of physical contact on risk-taking behaviors by demonstrating that the effect does not occur when the touching is performed by a male and is attenuated when the touch consists of a handshake. The results suggest that subtle physical contact can be strongly influential in decision making and the willingness to accept risk.

Leveraging Trade Agreements to Meet U.S. Security Aims

DTIC Science & Technology

2016-04-08

TO MEET U.S. SECURITY AIMS 5b. GRANT NUMBER 5c. PROGRAM ELEMENT NUMBER 6. AUTHOR(S) Sd. PROJECT NUMBER LTC Allysa A. Kropp (USARNG) Se. TASK NUMBER 5f...Sanctions Programs and Country Information,” under “Resource Center, Financial Sanctions, Programs ,” https’.//wwiv.treasurv.gov/resource center/sanctions... Program , and economic integration of former adversaries through U.S. trade policy.7 In the National Security Strategy, President Obama underscored the

17 CFR 5.6 - Maintenance of minimum financial requirements by retail foreign exchange dealers and futures...

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 1 2011-04-01 2011-04-01 false Maintenance of minimum... engaging in retail forex transactions. 5.6 Section 5.6 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION OFF-EXCHANGE FOREIGN CURRENCY TRANSACTIONS § 5.6 Maintenance of minimum financial...

31 CFR 103.24 - Reports of foreign financial accounts.

Code of Federal Regulations, 2010 CFR

2010-07-01

..., a bank, securities or other financial account in a foreign country shall report such relationship to the Commissioner of the Internal Revenue for each year in which such relationship exists, and shall provide such information as shall be specified in a reporting form prescribed by the Secretary to be filed...

31 CFR 1023.320 - Reports by brokers or dealers in securities of suspicious transactions.

Code of Federal Regulations, 2011 CFR

2011-07-01

... securities of suspicious transactions. 1023.320 Section 1023.320 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Reports Required To Be Made By Brokers or Dealers in...

31 CFR 1023.320 - Reports by brokers or dealers in securities of suspicious transactions.

Code of Federal Regulations, 2013 CFR

2013-07-01

... securities of suspicious transactions. 1023.320 Section 1023.320 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Reports Required To Be Made By Brokers or Dealers in...

31 CFR 1023.320 - Reports by brokers or dealers in securities of suspicious transactions.

Code of Federal Regulations, 2014 CFR

2014-07-01

... securities of suspicious transactions. 1023.320 Section 1023.320 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Reports Required To Be Made By Brokers or Dealers in...

31 CFR 1023.320 - Reports by brokers or dealers in securities of suspicious transactions.

Code of Federal Regulations, 2012 CFR

2012-07-01

... securities of suspicious transactions. 1023.320 Section 1023.320 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Reports Required To Be Made By Brokers or Dealers in...

Kuwait: Security, Reform, and U.S. Policy

DTIC Science & Technology

2014-01-30

is a member of the Middle East North Africa Financial Action Task Force ( FATF ), but it has been identified by that body as having deficiencies in...Security, Reform, and U.S. Policy Congressional Research Service 24 has developed an action plan with the FATF to address the weaknesses. Some Kuwait

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.

Ideas towards sustainable water security

NASA Astrophysics Data System (ADS)

Dalin, Carole

2016-04-01

With growing global demands and a changing climate, ensuring water security - the access to sufficient, quality water resources for health and livelihoods and an acceptable level of water related risk - is increasingly challenging. While a billion people still lack access to water, over-exploitation of this resource increases in many developed and developing parts of the world. While some solutions to water stress have been known for a long time, financial, cultural and political barriers often prevent their implementations. This talk will highlight three crucial areas that need to be addressed to progress towards sustainable water security. The first point is on scale, the second on the agricultural sector and irrigation, and the third on food trade and policy.

33 CFR 135.403 - Sanctions for failure to produce vessel Certificates of Financial Responsibility.

Code of Federal Regulations, 2011 CFR

2011-07-01

... COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OFFSHORE OIL POLLUTION COMPENSATION FUND Access, Denial, and Detention § 135.403 Sanctions for...

33 CFR 135.403 - Sanctions for failure to produce vessel Certificates of Financial Responsibility.

Code of Federal Regulations, 2013 CFR

2013-07-01

... COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OFFSHORE OIL POLLUTION COMPENSATION FUND Access, Denial, and Detention § 135.403 Sanctions for...

33 CFR 135.403 - Sanctions for failure to produce vessel Certificates of Financial Responsibility.

Code of Federal Regulations, 2012 CFR

2012-07-01

... COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OFFSHORE OIL POLLUTION COMPENSATION FUND Access, Denial, and Detention § 135.403 Sanctions for...

33 CFR 135.403 - Sanctions for failure to produce vessel Certificates of Financial Responsibility.

Code of Federal Regulations, 2010 CFR

2010-07-01

... COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OFFSHORE OIL POLLUTION COMPENSATION FUND Access, Denial, and Detention § 135.403 Sanctions for...

33 CFR 135.403 - Sanctions for failure to produce vessel Certificates of Financial Responsibility.

Code of Federal Regulations, 2014 CFR

2014-07-01

... COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OFFSHORE OIL POLLUTION COMPENSATION FUND Access, Denial, and Detention § 135.403 Sanctions for...

Pension Plan Types and Financial Literacy in Later Life.

PubMed

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

2017-09-09

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

75 FR 4626 - Order Granting a Temporary Exemption From Certain Government Securities Act Provisions and...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-01-28

... accommodate customer clearing of credit default swaps that reference government securities. Treasury is also... regulations impose obligations concerning financial responsibility, protection of customer securities and... clearance of credit default swaps (CDS)\\8\\ transactions on behalf of customers of ICE Trust clearing members...

17 CFR 229.303 - (Item 303) Management's discussion and analysis of financial condition and results of operations.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false (Item 303) Management's discussion and analysis of financial condition and results of operations. 229.303 Section 229.303 Commodity... 1975-REGULATION S-K Financial Information § 229.303 (Item 303) Management's discussion and analysis of...

Financial wellness awareness: A step closer to achieve Millennium Development Goals for Pakistan.

PubMed

Rehman, Rehana; Katpar, Shahjahan; Khan, Rakhshaan; Hussain, Mehwish

2015-01-01

To explore financial wellness (FW) awareness amongst public and private sector medical college students of Karachi. A cross sectional questionnaire based survey was conducted on medical students from 3 public and 5 private sector medical colleges of Karachi from February 2011 to December 2011. All ethnic groups having age range of 18-23 years were included. A questionnaire tailored from wellness wheel evaluated the responses of FW on a four point Likert's scale ranging from 0-3(never, sometimes, mostly, and always). Factor analysis explored common FW factors among both public and private sector medical college (MC) students. Private MC Students were better in terms of making short and long terms financial goals compared to students in public sector. The students of public MC were more focused to make and restricting to given budgets (p=0.05). The FW element of keeping savings in bank account was responded more by private MC candidates (P < 0.0001) but was spent thrift as well (P < 0.0001). Factor analysis revealed two factors; 'Financial Security Wellness' which was better in Private MC Students (p=0.001) and 'Care towards Expenses Wellness" in which results were not significant. Both groups of medical college students lacked FW awareness element in terms of caring towards financial expenses. The awareness of importance of financial security was practiced better by private MC students in terms of making short and long term financial goals and keeping savings in bank accounts. They were however deficient in the knowledge of making and restricting themselves to budgets.

76 FR 10205 - Department of Homeland Security Implementation of OMB Guidance on Drug-Free Workplace Requirements

Federal Register 2010, 2011, 2012, 2013, 2014

2011-02-24

... Guidance on Drug-Free Workplace Requirements AGENCY: Department of Homeland Security (DHS). ACTION: Final... consolidate all Federal regulations on drug-free workplace requirements for financial assistance into one...-wide common rule on drug-free workplace requirements for financial assistance, currently located within...

17 CFR 210.6A-03 - Statements of financial condition.

Code of Federal Regulations, 2010 CFR

2010-04-01

... EXCHANGE ACT OF 1934, PUBLIC UTILITY HOLDING COMPANY ACT OF 1935, INVESTMENT COMPANY ACT OF 1940, INVESTMENT ADVISERS ACT OF 1940, AND ENERGY POLICY AND CONSERVATION ACT OF 1975 Employee Stock Purchase... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Statements of financial...

Stochastic models of the Social Security trust funds.

PubMed

Burdick, Clark; Manchester, Joyce

Each year in March, the Board of Trustees of the Social Security trust funds reports on the current and projected financial condition of the Social Security programs. Those programs, which pay monthly benefits to retired workers and their families, to the survivors of deceased workers, and to disabled workers and their families, are financed through the Old-Age, Survivors, and Disability Insurance (OASDI) Trust Funds. In their 2003 report, the Trustees present, for the first time, results from a stochastic model of the combined OASDI trust funds. Stochastic modeling is an important new tool for Social Security policy analysis and offers the promise of valuable new insights into the financial status of the OASDI trust funds and the effects of policy changes. The results presented in this article demonstrate that several stochastic models deliver broadly consistent results even though they use very different approaches and assumptions. However, they also show that the variation in trust fund outcomes differs as the approach and assumptions are varied. Which approach and assumptions are best suited for Social Security policy analysis remains an open question. Further research is needed before the promise of stochastic modeling is fully realized. For example, neither parameter uncertainty nor variability in ultimate assumption values is recognized explicitly in the analyses. Despite this caveat, stochastic modeling results are already shedding new light on the range and distribution of trust fund outcomes that might occur in the future.

The Role of Earnings and Financial Risk in Distributional Analyses of Social Security Reform Measures

ERIC Educational Resources Information Center

Hungerford, Thomas L.

2006-01-01

The Social Security Trustees project that the Social Security program faces longterm financing difficulties. Several proposals that have been offered to shore-up the finances of the Social Security program would create individual retirement accounts funded with part of the payroll tax. The authors of many of these proposals claim that future…

78 FR 4175 - Eco Global Corporation, Execute Sports, Inc., FacePrint Global Solutions, Inc., FinancialContent...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-18

... SECURITIES AND EXCHANGE COMMISSION [File No. 500-1] Eco Global Corporation, Execute Sports, Inc., FacePrint Global Solutions, Inc., FinancialContent, Inc., and Firstgold Corp.; Order of Suspension of Trading January 16, 2013. It appears to the Securities and Exchange Commission that there is a lack of current and accurate information concerning...

Three Essays on Information Technology Security Management in Organizations

ERIC Educational Resources Information Center

Gupta, Manish

2011-01-01

Increasing complexity and sophistication of ever evolving information technologies has spurred unique and unprecedented challenges for organizations to protect their information assets. Companies suffer significant financial and reputational damage due to ineffective information technology security management, which has extensively been shown to…

75 FR 70814 - Securities Held in Treasury Direct

Federal Register 2010, 2011, 2012, 2013, 2014

2010-11-19

... indebtedness.) * * * * * Zero-Percent Certificate of Indebtedness is a one-day, non- interest-bearing security... purchase a zero-percent certificate of indebtedness through one or more of the following four methods: (1... employer or a financial institution, to credit funds on a recurring basis to purchase a payroll zero...

The Mexican Social Security counterreform: pensions for profit.

PubMed

Laurell, A C

1999-01-01

The social security counterreform, initiated in 1997, forms part of the neoliberal reorganization of Mexican society. The reform implies a profound change in the guiding principles of social security, as the public model based on integrality, solidarity, and redistribution is replaced by a model based on private administration of funds and services, individualization of entitlement, and reduction of rights. Its economic purpose is to move social services and benefits into the direct sphere of private capital accumulation. Although these changes will involve the whole social security system--old-age and disability pensions, health care, child care, and workers' compensation--they are most immediately evident in the pension scheme. The pay-as-you-go scheme is being replaced by privately managed individual retirement accounts which especially favor the big financial groups. These groups are gaining control over huge amounts of capital, are authorized to charge a high commission, and run no financial risks. The privatization of the system requires decisive state intervention with a legal change and a sizable state subsidy (1 to 1.5 percent of GNP) over five decades. The supposed positive impact on economic growth and employment is uncertain. A review of the new law and of the estimates of future annuities reveals shrinking pension coverage and inadequate incomes from pensions.

12 CFR Appendix A to Part 193 - Financial Statement Line Items

Code of Federal Regulations, 2013 CFR

2013-01-01

..., (ii) commercial paper, and (iii) other short-term borrowings. (b) Federal funds purchased and sales of... financial statements. The amount of these lines of credit which support a commercial paper borrowing..., including Federal funds purchased, securities sold under agreements to repurchase, commercial paper, and...

31 CFR 1023.210 - Anti-money laundering program requirements for brokers or dealers in securities.

Code of Federal Regulations, 2014 CFR

2014-07-01

... requirements for brokers or dealers in securities. 1023.210 Section 1023.210 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Programs § 1023.210 Anti-money laundering program...

31 CFR 1023.210 - Anti-money laundering program requirements for brokers or dealers in securities.

Code of Federal Regulations, 2011 CFR

2011-07-01

... requirements for brokers or dealers in securities. 1023.210 Section 1023.210 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Programs § 1023.210 Anti-money laundering program...

31 CFR 1023.210 - Anti-money laundering program requirements for brokers or dealers in securities.

Code of Federal Regulations, 2013 CFR

2013-07-01

... requirements for brokers or dealers in securities. 1023.210 Section 1023.210 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Programs § 1023.210 Anti-money laundering program...

31 CFR 1023.210 - Anti-money laundering program requirements for brokers or dealers in securities.

Code of Federal Regulations, 2012 CFR

2012-07-01

... requirements for brokers or dealers in securities. 1023.210 Section 1023.210 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Programs § 1023.210 Anti-money laundering program...

Increasing security through public health: a practical model.

PubMed

Parker, R David

2011-01-01

As political and social changes sweep the globe, there are opportunities to increase national security through innovative approaches. While traditional security methods such as defense forces and homeland security provide both pre-emptive and defensive protection, new methods could meet emerging challenges by responding to the political, financial, and social trends. One method is the integration of defense, medicine and public health. By assisting a nation by providing basic services, such as healthcare, collaborative efforts can increase stabilization in areas of unrest. Improved health outcomes leads to increased domestic security, which can create a ripple effect across a region. Assessment, uptake and sustainability by the host nation are critical for program success. The proposed methodology focuses on the use of primarily extant resources, such as programs used by Special Operations Forces and other health and defense programs. Additional components include evaluation, set objectives and mission collaborations. As the nexus between foreign affairs, security, and public health is increasingly validated through research and practice, standardized interventions should be developed to minimize overlapping expenditures, promote security and strengthen international relations. 2011.

48 CFR 432.202-4 - Security for Government financing.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 48 Federal Acquisition Regulations System 4 2010-10-01 2010-10-01 false Security for Government financing. 432.202-4 Section 432.202-4 Federal Acquisition Regulations System DEPARTMENT OF AGRICULTURE... for Government financing. Prior to determining that an offeror's financial condition is adequate...

Financial wellness awareness: A step closer to achieve Millennium Development Goals for Pakistan

PubMed Central

Rehman, Rehana; Katpar, Shahjahan; Khan, Rakhshaan; Hussain, Mehwish

2015-01-01

Objective: To explore financial wellness (FW) awareness amongst public and private sector medical college students of Karachi. Methods: A cross sectional questionnaire based survey was conducted on medical students from 3 public and 5 private sector medical colleges of Karachi from February 2011 to December 2011. All ethnic groups having age range of 18-23 years were included. A questionnaire tailored from wellness wheel evaluated the responses of FW on a four point Likert’s scale ranging from 0-3(never, sometimes, mostly, and always). Factor analysis explored common FW factors among both public and private sector medical college (MC) students. Results: Private MC Students were better in terms of making short and long terms financial goals compared to students in public sector. The students of public MC were more focused to make and restricting to given budgets (p=0.05). The FW element of keeping savings in bank account was responded more by private MC candidates (P < 0.0001) but was spent thrift as well (P < 0.0001). Factor analysis revealed two factors; ‘Financial Security Wellness’ which was better in Private MC Students (p=0.001) and ‘Care towards Expenses Wellness” in which results were not significant. Conclusion: Both groups of medical college students lacked FW awareness element in terms of caring towards financial expenses. The awareness of importance of financial security was practiced better by private MC students in terms of making short and long term financial goals and keeping savings in bank accounts. They were however deficient in the knowledge of making and restricting themselves to budgets. PMID:25878613

How to supplement Social Security fairly and effectively.

PubMed

Ghilarducci, Teresa

2010-04-01

Over the past 3 decades, the base upon which Americans obtain income for retirement has become increasingly tied to fluctuations in the financial markets. Because Social Security provides a small percentage of pre-retirement income in retirement, most of the nation's workers need a supplement to Social Security. This study demonstrates the failure of the 401(k) system and advances a bold, but realistic, solution to America's crumbling retirement system: guaranteed retirement accounts (GRAs), a universal government program that supplements Social Security by providing guaranteed rates of return, by locking up balances until retirement, and by mandating annuities at retirement-with survivor's benefits. The GRA plan is compared to other proposals, including President Obama's, which aims to expand the voluntary, commercial, individually directed account-based system.

78 FR 56978 - In the Matter of Carbiz, Inc., InZon Corporation, IQ Micro, Inc., Irwin Financial Corporation...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-16

... SECURITIES AND EXCHANGE COMMISSION [File No. 500-1] In the Matter of Carbiz, Inc., InZon Corporation, IQ Micro, Inc., Irwin Financial Corporation, and Princeton Media Group, Inc.; Order of Suspension of Trading September 12, 2013. It appears to the Securities and Exchange Commission that there is a...

American Security and the International Energy Situation. Volume 1. Introduction and Summary

DTIC Science & Technology

1975-04-15

Financial Security 28 Timely Energy Supply Enhancement 31 Prospects for a Price Break M Concluding Remarks ’♦S II. World Energy Interdependence...likely to experience as the level of social and political chaos rises under the pressures of economic contraction, financial hemorrhage, and pervasive...and Consolidated Edison’s punned storage facility planned for Storm King). Often, energy projects are delayed from the very beginning by vocal

Secure Distributed Human Computation

NASA Astrophysics Data System (ADS)

Gentry, Craig; Ramzan, Zulfikar; Stubblebine, Stuart

In Peha’s Financial Cryptography 2004 invited talk, he described the Cyphermint PayCash system (see www.cyphermint.com), which allows people without bank accounts or credit cards (a sizeable segment of the U.S. population) to automatically and instantly cash checks, pay bills, or make Internet transactions through publicly-accessible kiosks. Since PayCash offers automated financial transactions and since the system uses (unprotected) kiosks, security is critical. The kiosk must decide whether a person cashing a check is really the person to whom the check was made out, so it takes a digital picture of the person cashing the check and transmits this picture electronically to a central office, where a human worker compares the kiosk’s picture to one that was taken when the person registered with Cyphermint. If both pictures are of the same person, then the human worker authorizes the transaction.

Teachers' Perceptions of Financial Literacy and the Implications for Professional Learning

ERIC Educational Resources Information Center

Sawatzki, Carly M.; Sullivan, Peter A.

2017-01-01

Consumer, economic and financial literacy education at school is central to active and informed citizenship. Over the past decade, the Australian Securities and Investments Commission has led various policy initiatives and influenced curriculum and resource development in this area. However, there remains a paucity of research exploring how…

45 CFR 201.15 - Deferral of claims for Federal financial participation.

Code of Federal Regulations, 2011 CFR

2011-10-01

... SERVICES GRANTS TO STATES FOR PUBLIC ASSISTANCE PROGRAMS Review and Audits § 201.15 Deferral of claims for... (AABD), of the Social Security Act. (b) Definitions. (1) Deferral Action means the process of suspending... audit exception or financial management review. If a subsequent disallowance should occur, the State...

45 CFR 201.15 - Deferral of claims for Federal financial participation.

Code of Federal Regulations, 2010 CFR

2010-10-01

... SERVICES GRANTS TO STATES FOR PUBLIC ASSISTANCE PROGRAMS Review and Audits § 201.15 Deferral of claims for... (AABD), of the Social Security Act. (b) Definitions. (1) Deferral Action means the process of suspending... audit exception or financial management review. If a subsequent disallowance should occur, the State...

Impact of Economic Hardship and Financial Threat on Suicide Ideation and Confusion.

PubMed

Fiksenbaum, Lisa; Marjanovic, Zdravko; Greenglass, Esther; Garcia-Santos, Francisco

2017-07-04

The present study tested the extent to which perceived economic hardship is associated with psychological distress (suicide ideation and confusion) after controlling for personal characteristics. It also explored whether perceived financial threat (i.e., fearful anxious-uncertainty about the stability and security of one's personal financial situation) mediates the relationship between economic hardship and psychological distress outcomes. The theoretical model was tested in a sample of Canadian students (n = 211) and was validated in a community sample of employed Portuguese adults (n = 161). In both samples, the fit of the model was good. Parameter estimates indicated that greater experience of economic hardship increased with financial threat, which in turn increased with levels of suicide ideation and confusion. We discuss the practical implications of these results, such as for programs aimed at alleviating the burden of financial hardship, in our concluding remarks.

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…

14 CFR 298.38 - Financial security arrangements for operating Public Charters.

Code of Federal Regulations, 2010 CFR

2010-01-01

... OF TRANSPORTATION (AVIATION PROCEEDINGS) ECONOMIC REGULATIONS EXEMPTIONS FOR AIR TAXI AND COMMUTER... security arrangements for operating Public Charters. When an air taxi operator or commuter air carrier performs a Public Charter under part 380 of this chapter, either: (a) The air taxi operator or commuter air...

14 CFR 298.38 - Financial security arrangements for operating Public Charters.

Code of Federal Regulations, 2011 CFR

2011-01-01

... OF TRANSPORTATION (AVIATION PROCEEDINGS) ECONOMIC REGULATIONS EXEMPTIONS FOR AIR TAXI AND COMMUTER... security arrangements for operating Public Charters. When an air taxi operator or commuter air carrier performs a Public Charter under part 380 of this chapter, either: (a) The air taxi operator or commuter air...

The interplay between women's life course work patterns and financial planning for later life.

PubMed

Berger, Ellie D; Denton, Margaret A

2004-01-01

In order to gain a comprehensive understanding of the interplay between women's life course work patterns and their financial planning for later life, we examined data from semi-structured interviews with retired women (n = 28) aged 59 to 92. The majority of women disrupted their careers at some point in time, for an average of 14 years, primarily for child-rearing responsibilities. We found that financial preparedness and income security in later life are structured by women's life course work patterns. However, individuals also have the ability to shape their own lives and many of the women took the initiative to acquire financial knowledge irrespective of their work situation. Financial-planning advice that participants gave to future generations of older women was also explored and centred on the importance of saving, avoiding debt, maintaining financial independence, and planning ahead.

Making the End as Good as the Beginning: Financial Planning and Retirement for Women Plastic Surgeons.

PubMed

Johnson, Debra J; Shenaq, Deana; Thakor, Manisha

2016-10-01

Financial planning is critically important to ensure financial security both during a plastic surgical career and in retirement. Unfortunately, plastic surgery training includes very little in the way of financial planning. The information that is available in the literature is mostly geared toward men. Women, with longer lifespans and more family care responsibilities, have unique needs when it comes to financial planning. Adequate attention must also be paid to life after retirement. A plastic surgical career can be all-encompassing, and thus women need to carefully plan volunteer activities, new hobbies, and even a second career to make their retirement years fulfilling and enjoyable. Key points regarding financial planning during the various phases of a woman plastic surgeon's career are discussed. Options for retirement are presented.

75 FR 50010 - Atchison Casting Corp. (n/k/a Bradken-Atchison/St. Joseph, Inc.), CityFed Financial Corp., Divine...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-08-16

... SECURITIES AND EXCHANGE COMMISSION [File No. 500-1] Atchison Casting Corp. (n/k/a Bradken-Atchison/St. Joseph, Inc.), CityFed Financial Corp., Divine, Inc. (n/k/a Enivid, Inc.), Genesis Worldwide, Inc... information concerning the securities of Atchison Casting Corp. (n/k/a Bradken-Atchison/St. Joseph, Inc...

Global climate change and international security.

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

Karas, Thomas H.

2003-11-01

This report originates in a workshop held at Sandia National Laboratories, bringing together a variety of external experts with Sandia personnel to discuss 'The Implications of Global Climate Change for International Security.' Whatever the future of the current global warming trend, paleoclimatic history shows that climate change happens, sometimes abruptly. These changes can severely impact human water supplies, agriculture, migration patterns, infrastructure, financial flows, disease prevalence, and economic activity. Those impacts, in turn, can lead to national or international security problems stemming from aggravation of internal conflicts, increased poverty and inequality, exacerbation of existing international conflicts, diversion of national andmore » international resources from international security programs (military or non-military), contribution to global economic decline or collapse, or international realignments based on climate change mitigation policies. After reviewing these potential problems, the report concludes with a brief listing of some research, technology, and policy measures that might mitigate them.« less

Economic security: an essential component of recovery.

PubMed

Cook, Judith A; Mueser, Kim T

2013-03-01

People with psychiatric disabilities often face complex financial situations that make them unable to exercise choice in how their financial resources are allocated to needs including health care, housing, education, leisure pursuits, and other important life activities. One avenue to address these barriers is by helping people increase their financial literacy or knowledge of how to manage and budget their money effectively, accumulate assets, and reduce or deal with debt. However, our field has not focused sufficient attention on improving the financial literacy of the people we serve. Unfortunately, people with mental illness are significantly less likely to have any savings than those without mental illness. This makes them excellent candidates for state and federal programs that help low-income individuals accumulate savings that are exempt from asset limits for all federal means-tested programs. Growing out of these efforts, a field known as "asset-based welfare" has evolved to understand the role of assets in the promotion of individual and collective welfare. In an uncertain economy, the time is right for the field of psychiatric rehabilitation to expand its focus to include community and economic development activities that promote financial security. PsycINFO Database Record (c) 2013 APA, all rights reserved

Life after College: Retirement Security for Higher Ed Employees

ERIC Educational Resources Information Center

Purcell, James; McGill, Robin; Brodeur, Philip; Hall, Erin

2016-01-01

The relationship between employer and employee has changed significantly over the past 40 years. One of the greatest changes in this relationship is in the nature of employee retirement. While pension reform at public and private colleges has helped ensure institutional financial viability, retirement security for employees has declined. With the…

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

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.

Hospital security and patient elopement: protecting patients and your healthcare facility.

PubMed

Smith, Thomas A

2012-01-01

Regulatory and financial consequences of adverse events associated with patient elopements are bringing new challenges to healthcare security to develop policies and procedures to prevent and respond to such incidents. This article provides an overview of the problem of elopement in healthcare and what it means to the security function; gives a working knowledge of healthcare related standards and guidelines aimed at reducing patient elopement; and reviews the elements of an elopement prevention and response plan for your organization.

Financial disclosure and toxic products: encouraging wall street to anticipate product risk and exercise precaution.

PubMed

Lewis, Sanford; Byrne, Margaret

2009-01-01

Amidst discussion by policymakers about how regulators' failure to ensure disclosure of risks contributed to the current financial crisis, we assess how emerging product toxicity risks are addressed in companies' financial reports. Will corporations blindside investors with "the next asbestos?" Existing disclosures are found lacking in the specificity needed to forewarn of liabilities and reputational damage from the use of potentially harmful materials-from nanotechnologies, to asthmagens, to perfluorinated compounds. Improved standards could protect investors while also enhancing corporate incentives to use safer materials. Reforms by the Securities and Exchange Commission and the Financial Accounting Standards Board are recommended.

13 CFR 107.1505 - Liquidity requirements for Licensees issuing Participating Securities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Liquidity requirements for Licensees issuing Participating Securities. 107.1505 Section 107.1505 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees...

31 CFR 1023.410 - Additional records to be made and retained by brokers or dealers in securities.

Code of Federal Regulations, 2013 CFR

2013-07-01

... retained by brokers or dealers in securities. 1023.410 Section 1023.410 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Records Required To Be Maintained by Brokers or Dealers...

31 CFR 1023.410 - Additional records to be made and retained by brokers or dealers in securities.

Code of Federal Regulations, 2011 CFR

2011-07-01

... retained by brokers or dealers in securities. 1023.410 Section 1023.410 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Records Required To Be Maintained by Brokers or Dealers...

31 CFR 1023.410 - Additional records to be made and retained by brokers or dealers in securities.

Code of Federal Regulations, 2014 CFR

2014-07-01

... retained by brokers or dealers in securities. 1023.410 Section 1023.410 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Records Required To Be Maintained by Brokers or Dealers...

31 CFR 1023.410 - Additional records to be made and retained by brokers or dealers in securities.

Code of Federal Regulations, 2012 CFR

2012-07-01

... retained by brokers or dealers in securities. 1023.410 Section 1023.410 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Records Required To Be Maintained by Brokers or Dealers...

Retirement security: It's not just about the money.

PubMed

James, Jacquelyn Boone; Matz-Costa, Christina; Smyer, Michael A

2016-01-01

Retirement security is not just about the money. Although there are many guidelines for financial security, there are few for crafting a rewarding life in the new era of longevity and health. With the meaning of "retirement" being actively redefined, there is a gap between what older adults want and need and what their employers and policymakers are offering. Retirement security in its broadest sense requires programs and policies that encourage and support flexible work that allow some choice and control over when, where, and how work gets done, and which work tasks are assumed by which employees or work teams, self-employment, and formal and informal volunteer work. This article has 3 purposes: (a) to summarize the current context of retirement, (b) to identify barriers to psychological security in later life, and (c) to suggest how psychologists can support the rewriting of the retirement chapter for future retirees. (PsycINFO Database Record (c) 2016 APA, all rights reserved).

"Prison Ain't Free Like Everyone Thinks": Financial Stressors Faced by Incarcerated Women.

PubMed

Harner, Holly M; Wyant, Brian R; Da Silva, Fernanda

2017-04-01

Most women in prison are poor and suffer from health problems prior to and during incarceration. Policies that impose inmate medical co-payment fees do not consider gender-specific health needs or other financial stressors faced by women in prison. We examine the financial needs and concerns of incarcerated women through the lens of gender and behavioral economics. We conducted individual interviews with 95 women incarcerated in a medium/maximum security prison in the United States. Women described several common financial stressors during confinement: paying for medical care, "working for pennies," staying in contact with loved ones, and relying on others. In an attempt to remain gender neutral, prison polices often do not consider gender-based differences between male and female prisoners. When gender neutrality is applied to financial policies surrounding access to healthcare, incarcerated women are profoundly disadvantaged and left to make consequential trade-offs with scarce financial resources. Our findings provide important insight into financial stressors facing incarcerated women and provide evidence to support the elimination of mandatory medical co-payment fees for incarcerated women.

Integer programming applications: Bond trading, mortgage backed security financing, and FASB 115 accounting

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

Nauss, R.

1994-12-31

In this review we describe three integer programming applications involving fixed income securities. A bond trading model is presented that features a number of possible different objectives and collections of constraints including future interest rate scenarios. A mortgage backed security (MBS) financing model that accounts for potential defaults in the MBS is also presented. Finally we describe an approach to allocate collections of bank securities into three categories: hold to maturity, available for sale, or trading. Placement of securities in these categories affects the capital, net income, and liquidity of a bank according to new accounting rules promulgated by themore » Financial Accounting Standards Board.« less

Securing and sustaining employment: concerns of HIV patients in Singapore.

PubMed

Tan, Si Ying; Ow Yong, Lai Meng; Foong, Jasmin Yuet Ee; Wong, Nicole Huay Sze; Chew, Li Ling; Koh, Yin Ling

2013-01-01

Employment sustainability is one of the most pressing issues inflicting people living with HIV (PLHIV). A qualitative approach was used to elucidate the perceived challenges in sustaining their employment and the perceived barriers in re-entering the workforce for HIV patients. In-depth interviews were conducted with 16 patients from an acute hospital in Singapore. The main challenges raised in sustaining employment were: (1) ability to ensure secrecy of diagnosis from employers, (2) ability to secure financial resources for treatment and sustenance, (3) ability to ensure stable health to meet job requirements, (4) ability to cognitively sit with the concerns of uncertainty and limitations in career, and (5) ability to work through discriminatory workplace practices. The perceived barriers in gaining workforce re-entry were: (1) fear of pre-employment medical screening and potential discriminatory practices at workplace, (2) concerns over health (frequent hospital admissions, physical weakness, and existing medical co-morbidities), and (3) psychosocial challenges (unstable accommodation, older age, financial issues, and trade skills limitation). The overarching factor that influences the success of sustaining and securing an employment among HIV patients is secrecy of the diagnosis. The individuals' health status, financial status and access to healthcare, and other psychosocial challenges further compound the issue.

Information Systems: The Status of Computer Security at the Department of Veterans Affairs

DTIC Science & Technology

1999-10-01

security weaknesses identified. The results of our underlying reviews were shared with VAs Office of Inspector General (OIG) for its use in auditing VA’s consolidated financial statements for fiscal year 1998.

Measuring the Effectiveness of Information Security Training: A Comparative Analysis of Computer-Based Training and Instructor-Based Training

ERIC Educational Resources Information Center

Kim, Philip

2010-01-01

Financial institutions are increasingly finding difficulty defending against information security risks and threats, as they are often the number one target for information thieves. An effective information security training and awareness program can be a critical component of protecting an organization's information assets. Many financial…

75 FR 12773 - Notice of Proposed Information Collection: Comment Request Ginnie Mae Mortgage-Backed Securities...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-17

... 210 0.016 3.4 Agreement. 11709 III-2 Master Agreement 210 1 210 0.033 6.9 for Servicer's Principal and....016 2.3 Certification for Construction Securities. IX-1 Financial 210 1 210 1 210.0 Statements and Audit Reports. Mortgage Bankers 350 4 1400 0.5 700.0 Financial Reporting Form. 11709-A I-6 ACH Debit 210...

13 CFR 107.1410 - Requirement to redeem 4 percent Preferred Securities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Requirement to redeem 4 percent Preferred Securities. 107.1410 Section 107.1410 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred...

13 CFR 107.1420 - Articles requirements for 4 percent Preferred Securities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Articles requirements for 4 percent Preferred Securities. 107.1420 Section 107.1420 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred...

Report: EPA Needs to Strengthen Financial Database Security Oversight and Monitor Compliance

EPA Pesticide Factsheets

Report #2007-P-00017, March 29, 2007. Weaknesses in how EPA offices monitor databases for known security vulnerabilities, communicate the status of critical system patches, and monitor the access to database administrator accounts and privileges.

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.

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

78 FR 54359 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-09-03

... (which is having at least three years prior experience within the immediately preceding six years involving securities or financial analysis) and pass the Supervisory Analyst (Series 16) qualification examination. Rather than passing the entire Supervisory Analyst qualification examination, such person may...

Cryptographic Securities Exchanges

NASA Astrophysics Data System (ADS)

Thorpe, Christopher; Parkes, David C.

While transparency in financial markets should enhance liquidity, its exploitation by unethical and parasitic traders discourages others from fully embracing disclosure of their own information. Traders exploit both the private information in upstairs markets used to trade large orders outside traditional exchanges and the public information present in exchanges' quoted limit order books. Using homomorphic cryptographic protocols, market designers can create "partially transparent" markets in which every matched trade is provably correct and only beneficial information is revealed. In a cryptographic securities exchange, market operators can hide information to prevent its exploitation, and still prove facts about the hidden information such as bid/ask spread or market depth.

The Impact of The Stock Market Game on Financial Literacy and Mathematics Achievement: Results from a National Randomized Controlled Trial

ERIC Educational Resources Information Center

Hinojosa, Trisha; Miller, Shazia; Swanlund, Andrew; Hallberg, Kelly; Brown, Megan; O'Brien, Brenna

2010-01-01

The Stock Market Game[TM] is an educational program supported by the Securities Industry and Financial Markets Association (SIFMA) Foundation for Investor Education. The program is designed to teach students the importance of saving and investing by building their financial literacy skills. The primary focus of the study was to measure the impact…

OAS - Organization of American States: Democracy for peace, security, and

Science.gov Websites

Information Offices in the Member States Our History Logo Authorities Services Legal Protocol Topics A Access Knowledge-based Society L Labor Legal Services M MACCIH MAPP Migration Multidimensional Security O Estate Strategy Financial Reports Annual Operating Plan Legal Services Ombudsperson Strategic Plan

Individuals’ Uncertainty about Future Social Security Benefits and Portfolio Choice

PubMed Central

Delavande, Adeline

2013-01-01

Summary Little is known about the degree to which individuals are uncertain about their future Social Security benefits, how this varies within the U.S. population, and whether this uncertainty influences financial decisions related to retirement planning. To illuminate these issues, we present empirical evidence from the Health and Retirement Study Internet Survey and document systematic variation in respondents’ uncertainty about their future Social Security benefits by individual characteristics. We find that respondents with higher levels of uncertainty about future benefits hold a smaller share of their wealth in stocks. PMID:23914049

"Get Some Secured Credit Cards Homey": Hip Hop Discourse, Financial Literacy and the Design of Digital Media Learning Environments

ERIC Educational Resources Information Center

Devane, Ben

2009-01-01

In the midst of the worst economic crisis since the Great Depression, there exists a deficit of compelling financial education curricula in urban schools that serve financially vulnerable working-class students. Part of a design-based research investigation aimed at creating culturally-relevant financial literacy learning environments, this study…

Is DOD on the Right Path to Financial Auditability?

DTIC Science & Technology

2012-03-22

and DOD decision-making. Moreover, most of the 10 ERPs run the same software applications (i.e. SAP [Systems Applications and Programs] or PeopleSoft...Financial Readiness; GFEBS; DEAMS; Navy ERP 16. SECURITY CLASSIFICATION OF: 17. LIMITATION OF ABSTRACT 18. NUMBER OF PAGES 19a. NAME OF...Navy ERP CLASSIFICATION: Unclassified To make every dollar count, the Department of Defense (DOD) must be able to account for every dollar

17 CFR 210.3-10 - Financial statements of guarantors and issuers of guaranteed securities registered or being...

Code of Federal Regulations, 2010 CFR

2010-04-01

..., no independent assets or operations, minor, finance subsidiary and operating subsidiary. Paragraph (i....220f of this chapter). (b) Finance subsidiary issuer of securities guaranteed by its parent company. When a finance subsidiary issues securities and its parent company guarantees those securities, the...

National Security Implications of Transnational Economic Activity

DTIC Science & Technology

1993-04-01

ABSTRACT SECURITY CLASSIFICATION rUNCLASSIFIED/UNLIMITED El SAME AS RPT. O DTIC USERS Unclassified 22a. NAME OF RESPONSIBLE INDIVIDUAL 22b. TELEPHONE...Activity This paper discusses the impact of regional trading arrangements (RTA’s), multinational corporations (MNC’s), and transnational financial activity...multinational corporation investment and taxation. o The U.S. must strengthen its national economy in order to be a world class player in transnational

The law of unintended (financial) consequences: the expansion of HIPAA business associate liability.

PubMed

Tomes, Jonathan P

2013-01-01

The recent Omnibus Rule published by the Department of Health and Human Services greatly expanded liability for breaches of health information privacy and security under the HIPAA statute and regulations. This expansion could have dire financial consequences for the health care industry. The Rule expanded the definition of business associates to include subcontractors of business associates and made covered entities and business associates liable for breaches of the entities who perform a service for them involving the use of individually identifiable health information under the federal common law of agency. Thus, if a covered entity or its "do wnstream" business associate breaches security or privacy, the covered entity or "upstream" business associate may face HIPAA's civil money penalties or a lawsuit. Financial managers need to be aware of these changes both to protect against the greater liability and to plan for the compliance costs inherent in effectively, if not legally, making business associates into covered entities.

17 CFR 1.52 - Self-regulatory organization adoption and surveillance of minimum financial requirements.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 1 2011-04-01 2011-04-01 false Self-regulatory organization... Miscellaneous § 1.52 Self-regulatory organization adoption and surveillance of minimum financial requirements. (a) Each self-regulatory organization must adopt, and submit for Commission approval, rules...

17 CFR 1.52 - Self-regulatory organization adoption and surveillance of minimum financial requirements.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 1 2010-04-01 2010-04-01 false Self-regulatory organization... Miscellaneous § 1.52 Self-regulatory organization adoption and surveillance of minimum financial requirements. (a) Each self-regulatory organization must adopt, and submit for Commission approval, rules...

17 CFR 1.52 - Self-regulatory organization adoption and surveillance of minimum financial requirements.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 17 Commodity and Securities Exchanges 1 2012-04-01 2012-04-01 false Self-regulatory organization... Miscellaneous § 1.52 Self-regulatory organization adoption and surveillance of minimum financial requirements. (a) Each self-regulatory organization must adopt, and submit for Commission approval, rules...

Environmental influences on food security in high-income countries.

PubMed

Gorton, Delvina; Bullen, Chris R; Mhurchu, Cliona Ni

2010-01-01

Food security is a fundamental human right yet many people are food insecure, even in high-income countries. Reviewed here is the evidence for the physical, economic, sociocultural, and political environmental influences on household food security in high-income countries. The literature was evaluated using the ANGELO framework, which is a lens developed for understanding the environmental factors underpinning the obesity pandemic. A review of the literature identified 78 articles, which mostly reported on cross-sectional or qualitative studies. These studies identified a wide range of factors associated with food security. Foremost among them was household financial resources, but many other factors were identified and the complexity of the issue was highlighted. Few studies were prospective and even fewer tested the use of interventions other than the supplemental nutrition assistance program to address food security. This indicates a solution-oriented research paradigm is required to identify effective interventions and policies to enhance food security. In addition, comprehensive top-down and bottom-up interventions at the community and national levels are urgently needed.

Building Economic Security Today: making the health-wealth connection in Contra Costa county's maternal and child health programs.

PubMed

Parthasarathy, Padmini; Dailey, Dawn E; Young, Maria-Elena D; Lam, Carrie; Pies, Cheri

2014-02-01

In recent years, maternal and child health professionals have been seeking approaches to integrating the Life Course Perspective and social determinants of health into their work. In this article, we describe how community input, staff feedback, and evidence from the field that the connection between wealth and health should be addressed compelled the Contra Costa Family, Maternal and Child Health (FMCH) Programs Life Course Initiative to launch Building Economic Security Today (BEST). BEST utilizes innovative strategies to reduce inequities in health outcomes for low-income Contra Costa families by improving their financial security and stability. FMCH Programs' Women, Infants, and Children Program (WIC) conducted BEST financial education classes, and its Medically Vulnerable Infant Program (MVIP) instituted BEST financial assessments during public health nurse home visits. Educational and referral resources were also developed and distributed to all clients. The classes at WIC increased clients' awareness of financial issues and confidence that they could improve their financial situations. WIC clients and staff also gained knowledge about financial resources in the community. MVIP's financial assessments offered clients a new and needed perspective on their financial situations, as well as support around the financial and psychological stresses of caring for a child with special health care needs. BEST offered FMCH Programs staff opportunities to engage in non-traditional, cross-sector partnerships, and gain new knowledge and skills to address a pressing social determinant of health. We learned the value of flexible timelines, maintaining a long view for creating change, and challenging the traditional paradigm of maternal and child health.

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

PubMed

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

2016-08-01

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

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.

Securing services in the cloud: an investigation of the threats and the mitigations

NASA Astrophysics Data System (ADS)

Farroha, Bassam S.; Farroha, Deborah L.

2012-05-01

The stakeholder's security concerns over data in the clouds (Voice, Video and Text) are a real concern to DoD, the IC and private sector. This is primarily due to the lack of physical isolation of data when migrating to shared infrastructure platforms. The security concerns are related to privacy and regulatory compliance required in many industries (healthcare, financial, law enforcement, DoD, etc) and the corporate knowledge databases. The new paradigm depends on the service provider to ensure that the customer's information is continuously monitored and is kept available, secure, access controlled and isolated from potential adversaries.

Survey of holographic security systems

NASA Astrophysics Data System (ADS)

Kontnik, Lewis T.; Lancaster, Ian M.

1990-04-01

The counterfeiting of products and financial instruments is a major problem throughout the world today. The dimensions of the problem are growing, accelerated by the expanding availability of production technologies to sophisticated counterfeiters and the increasing capabilities of these technologies. Various optical techniques, including holography, are beingused in efforts to mark authentic products and to distinguish them from copies. Industry is recognizing that the effectiveness of these techniques depends on such factors as the economics of the counterfeiting process and the distribution channels for the products involved, in addition to the performance of the particular optical security technologies used. This paper surveys the nature of the growing counterfeit market place and reviews the utility of holographic optical security systems. In particular, we review the use of holograms on credit cards and other products; and outline certain steps the holography industry should take to promote these application.

77 FR 33809 - Survey of Foreign Ownership of U.S. Securities as of June 30, 2012

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-07

... government, and any agency, corporation, financial institution, or other entity or instrumentality thereof... equities, short-term debt securities (including selected money market instruments), and long-term debt...

78 FR 18678 - Survey of Foreign Ownership of U.S. Securities as of June 30, 2013

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-27

... government, and any agency, corporation, financial institution, or other entity or instrumentality thereof... equities, short-term debt securities (including selected money market instruments), and long-term debt...

76 FR 37888 - Survey of Foreign Ownership of U.S. Securities as of June 30, 2011

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-28

... government, and any agency, corporation, financial institution, or other entity or instrumentality thereof... equities, short-term debt securities (including selected money market instruments), and long-term debt...

Impact of personal economic environment and personality factors on individual financial decision making

PubMed Central

Prinz, Susanne; Gründer, Gerhard; Hilgers, Ralf D.; Holtemöller, Oliver; Vernaleken, Ingo

2014-01-01

This study on healthy young male students aimed to enlighten the associations between an individual’s financial decision making and surrogate makers for environmental factors covering long-term financial socialization, the current financial security/responsibility, and the personal affinity to financial affairs as represented by parental income, funding situation, and field of study. A group of 150 male young healthy students underwent two versions of the Holt and Laury (2002) lottery paradigm (matrix and random sequential version). Their financial decision was mainly driven by the factor “source of funding”: students with strict performance control (grants, scholarships) had much higher rates of relative risk aversion (RRA) than subjects with support from family (ΔRRA = 0.22; p = 0.018). Personality scores only modestly affected the outcome. In an ANOVA, however, also the intelligence quotient significantly and relevantly contributed to the explanation of variance; the effects of parental income and the personality factors “agreeableness” and “openness” showed moderate to modest – but significant – effects. These findings suggest that environmental factors more than personality factors affect risk aversion. PMID:24624100

Impact of personal economic environment and personality factors on individual financial decision making.

PubMed

Prinz, Susanne; Gründer, Gerhard; Hilgers, Ralf D; Holtemöller, Oliver; Vernaleken, Ingo

2014-01-01

This study on healthy young male students aimed to enlighten the associations between an individual's financial decision making and surrogate makers for environmental factors covering long-term financial socialization, the current financial security/responsibility, and the personal affinity to financial affairs as represented by parental income, funding situation, and field of study. A group of 150 male young healthy students underwent two versions of the Holt and Laury (2002) lottery paradigm (matrix and random sequential version). Their financial decision was mainly driven by the factor "source of funding": students with strict performance control (grants, scholarships) had much higher rates of relative risk aversion (RRA) than subjects with support from family (ΔRRA = 0.22; p = 0.018). Personality scores only modestly affected the outcome. In an ANOVA, however, also the intelligence quotient significantly and relevantly contributed to the explanation of variance; the effects of parental income and the personality factors "agreeableness" and "openness" showed moderate to modest - but significant - effects. These findings suggest that environmental factors more than personality factors affect risk aversion.

76 FR 69798 - Survey of U.S. Ownership of Foreign Securities as of December 31, 2011

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-09

... United States Government, a State or local government, and any agency, corporation, financial institution..., and short-term debt securities (including selected money market instruments). How to Report: Completed...

17 CFR 449.2 - Form G-FINW, notification by financial institutions of cessation of status as government...

Code of Federal Regulations, 2010 CFR

2010-04-01

.... This form is to be used by financial institutions that are government securities brokers or dealers to... available from the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, the...

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,"…

77 FR 14850 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-13

... things, risks to the financial system arising from credit risk resulting from bilateral CDS transactions... other things to enhance the authority of regulators to implement new rules designed to reduce risk... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-66527; File No. SR-FINRA-2012-015] Self...

17 CFR 1.52 - Self-regulatory organization adoption and surveillance of minimum financial requirements.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 17 Commodity and Securities Exchanges 1 2014-04-01 2014-04-01 false Self-regulatory organization... Miscellaneous § 1.52 Self-regulatory organization adoption and surveillance of minimum financial requirements... accounting and auditing firm that is acceptable to the Commission; and (2) Self-regulatory organization means...

Assessing staff attitudes towards information security in a European healthcare establishment.

PubMed

Furnell, S M; Gaunt, P N; Holben, R F; Sanders, P W; Stockel, C T; Warren, M J

1996-01-01

Information security is now recognized as an important consideration in modern healthcare establishments (HCEs), with a variety of guidelines and standards currently available to enable the environments to be properly protected. However, financial and operational constraints often exist which influence the practicality of these recommendations. This paper establishes that the staff culture of the organization is of particular importance in determining the level and types of security that will be accepted. This culture will be based upon staff awareness of and attitudes towards security and it is, therefore, important to have a clear idea of what these attitudes are. To this end, two surveys have been conducted within a reference environment to establish the attitudes of general users and technical staff, allowing the results to be fed back to HCE management to enable security policy to be appropriately defined. These results indicated that, although the establishment had participated in a European healthcare security initiative, staff attitudes and awareness were still weak in some areas.

Social Security Disability Insurance: Essential Protection when Work Incapacity Strikes

ERIC Educational Resources Information Center

Reno, Virginia P.; Ekman, Lisa D.

2012-01-01

Social Security Disability Insurance (SSDI) is an essential lifeline for millions of Americans. Without it, many families would be in deep financial distress. SSDI is insurance that workers pay for through premiums deducted from their pay. In return, workers gain the right to monthly benefits if a disabling condition ends their capacity to earn a…

Farm Equipment Leasing. A New Financial Strategy. Staff Report No. AGES870302.

ERIC Educational Resources Information Center

Serletis, William S.

For farmers with high debt/asset ratios, leasing is an attractive option for securing the use of farm machinery. Under the current tax laws, financial leasing carries lower after-tax costs than loan purchasing. By size, farms with more than $500,000 in sales had the highest proportion of U.S. expenditures for farm equipment leasing. By region, the…

Malpractice paid losses and financial performance of nursing homes.

PubMed

Zhao, Mei; Haley, D Rob; Oetjen, Reid M; Carretta, Henry J

2011-01-01

Florida's nursing home industry has experienced significant financial pressure over the past decade. One of the primary reasons is the dramatic increase in litigation activity for nursing home providers claiming negligent care and abuse. Although anecdotal reports indicate a higher cost because of malpractice in nursing facilities, few studies have examined the extent of malpractice paid losses and their effect on the financial performance of nursing homes. The purpose of this study was to examine the impact of malpractice paid losses on the financial performance of nursing homes. Medicare Cost Report data and Online Survey, Certification, and Reporting data for Florida skilled nursing facilities over the 6-year period from 2001 to 2006 were used to calculate the malpractice paid losses and the financial performance indicators as well as the nursing home organizational and market factors. Descriptive analysis and multivariate regression analysis were used to examine the effect of paid loss on financial performance. The paid loss for malpractice claims was strongly associated with financial performance. Nursing facilities with malpractice paid losses had consistently lower total margins over the study period. The threat of nursing home litigation may create an incentive for nursing homes to improve quality of care; however, large paid claims can also force nursing homes into a financial situation where the organization no longer has the resources to improve quality. Nursing home managers must assess their malpractice litigation risk and identify tactics to mitigate these risks to better provide a safe and secure environment for the older persons. In addition, this research offers support for local, state, and federal policymakers to revisit the issue of malpractice litigation and the nursing home industry through its insight on the relationship of nursing home margins and litigation.

Rasch Analyses of Very Low Food Security among Households and Children in the Three City Study*

PubMed Central

Moffitt, Robert A.; Ribar, David C.

2017-01-01

The longitudinal Three City Study of low-income families with children measures food hardships using fewer questions and some different questions from the standard U.S. instrument for measuring food security, the Household Food Security Survey Module (HFSSM) in the Current Population Survey (CPS). We utilize a Rasch measurement model to identify thresholds of very low food security among households and very low food security among children in the Three City Study that are comparable to thresholds from the HFSSM. We also use the Three City Study to empirically investigate the determinants of food insecurity and of these specific food insecurity outcomes, estimating a multivariate behavioral Rasch model that is adapted to address longitudinal data. The estimation results indicate that participation in the Supplemental Nutrition Assistance Program and the Temporary Assistance for Needy Families program reduce food insecurity, while poverty and disability among caregivers increase it. Besides its longitudinal structure, the Three City Study measures many more characteristics about households than the CPS. Our estimates reveal that financial assistance through social networks and a household's own financial assets reduce food insecurity, while its outstanding loans increase insecurity. PMID:29187764

Rasch Analyses of Very Low Food Security among Households and Children in the Three City Study.

PubMed

Moffitt, Robert A; Ribar, David C

2016-04-01

The longitudinal Three City Study of low-income families with children measures food hardships using fewer questions and some different questions from the standard U.S. instrument for measuring food security, the Household Food Security Survey Module (HFSSM) in the Current Population Survey (CPS). We utilize a Rasch measurement model to identify thresholds of very low food security among households and very low food security among children in the Three City Study that are comparable to thresholds from the HFSSM. We also use the Three City Study to empirically investigate the determinants of food insecurity and of these specific food insecurity outcomes, estimating a multivariate behavioral Rasch model that is adapted to address longitudinal data. The estimation results indicate that participation in the Supplemental Nutrition Assistance Program and the Temporary Assistance for Needy Families program reduce food insecurity, while poverty and disability among caregivers increase it. Besides its longitudinal structure, the Three City Study measures many more characteristics about households than the CPS. Our estimates reveal that financial assistance through social networks and a household's own financial assets reduce food insecurity, while its outstanding loans increase insecurity.

Update: New Federal Financial Accounting for State and Local School Systems Due Out Soon.

ERIC Educational Resources Information Center

Sielke, Catherine C.

2002-01-01

Reports on several changes in the 2002 edition (forthcoming) of the federal government accounting handbook "Federal Financial Accounting for State and Local School Systems." Includes brief summary of "Emerging Issues" section of the handbook that addresses issues such as alternative revenues, charter schools, school safety and security,…

77 FR 5084 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-02-01

... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-66254; File No. SR-FINRA-2012-005] Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate Effectiveness of Proposed Rule Change To Extend the Pilot Period of Amendments to FINRA Rule 11892 Governing Clearly Erroneous Transactions January 26,...

77 FR 14454 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-03-09

... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-66513; File No. SR-FINRA-2012-016] Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate Effectiveness of Proposed Rule Change To Allow FINRA To Exempt Certain Alternative Trading Systems From the Trade Reporting Obligation Under the Trade...

17 CFR 31.28 - Self-regulatory organization adoption and surveillance of minimum financial, cover, segregation...

Code of Federal Regulations, 2013 CFR

2013-04-01

... 17 Commodity and Securities Exchanges 1 2013-04-01 2013-04-01 false Self-regulatory organization... TRANSACTIONS § 31.28 Self-regulatory organization adoption and surveillance of minimum financial, cover, segregation and sales practice requirements. (a) Each self-regulatory organization must adopt, and submit for...

17 CFR 31.28 - Self-regulatory organization adoption and surveillance of minimum financial, cover, segregation...

Code of Federal Regulations, 2012 CFR

2012-04-01

... 17 Commodity and Securities Exchanges 1 2012-04-01 2012-04-01 false Self-regulatory organization... TRANSACTIONS § 31.28 Self-regulatory organization adoption and surveillance of minimum financial, cover, segregation and sales practice requirements. (a) Each self-regulatory organization must adopt, and submit for...

17 CFR 31.28 - Self-regulatory organization adoption and surveillance of minimum financial, cover, segregation...

Code of Federal Regulations, 2014 CFR

2014-04-01

... 17 Commodity and Securities Exchanges 1 2014-04-01 2014-04-01 false Self-regulatory organization... TRANSACTIONS § 31.28 Self-regulatory organization adoption and surveillance of minimum financial, cover, segregation and sales practice requirements. (a) Each self-regulatory organization must adopt, and submit for...

17 CFR 31.28 - Self-regulatory organization adoption and surveillance of minimum financial, cover, segregation...

Code of Federal Regulations, 2010 CFR

2010-04-01

... 17 Commodity and Securities Exchanges 1 2010-04-01 2010-04-01 false Self-regulatory organization... TRANSACTIONS § 31.28 Self-regulatory organization adoption and surveillance of minimum financial, cover, segregation and sales practice requirements. (a) Each self-regulatory organization must adopt, and submit for...

17 CFR 31.28 - Self-regulatory organization adoption and surveillance of minimum financial, cover, segregation...

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 1 2011-04-01 2011-04-01 false Self-regulatory organization... TRANSACTIONS § 31.28 Self-regulatory organization adoption and surveillance of minimum financial, cover, segregation and sales practice requirements. (a) Each self-regulatory organization must adopt, and submit for...

Creating and Using a Computer Networking and Systems Administration Laboratory Built under Relaxed Financial Constraints

ERIC Educational Resources Information Center

Conlon, Michael P.; Mullins, Paul

2011-01-01

The Computer Science Department at Slippery Rock University created a laboratory for its Computer Networks and System Administration and Security courses under relaxed financial constraints. This paper describes the department's experience designing and using this laboratory, including lessons learned and descriptions of some student projects…

Food security -- an insurance approach.

PubMed

1979-01-01

An adequate standard of nutrition at national and individual level is a basic -- and not wholly altruistic -- objective for mankind. Its ingredients are food production and distribution. Of these the latter is currently considered the more limiting, but fluctuations in the former -- over various geographical and time scales -- can be the overriding factor when national supplies are critical. Under these conditions the automatic operations of a legal mandatory food support system -- free from political strings or connotations of welfare -- would be advantageous. A system for providing a measure of food security, using insurance principles and based on a compromise between international stockpiling and direct financial subventions, is outlined in a recent publication of the International Food Policy Research Institute. Essentially it is a means by which the international community could contribute to the food security of food deficit, developing countries without having to create large buffer stocks and stabilize world grain prices. Extracts from this publication are given below.

13 CFR 107.1400 - Dividends or partnership distributions on 4 percent Preferred Securities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Dividends or partnership distributions on 4 percent Preferred Securities. 107.1400 Section 107.1400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees...

Relationship between Corporate Governance and Information Security Governance Effectiveness in United States Corporations

ERIC Educational Resources Information Center

Davis, Robert E.

2017-01-01

Cyber attackers targeting large corporations achieved a high perimeter penetration success rate during 2013, resulting in many corporations incurring financial losses. Corporate information technology leaders have a fiduciary responsibility to implement information security domain processes that effectually address the challenges for preventing…

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.

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.

45 CFR 235.60 - Federal financial participation (FFP) for State and local training.

Code of Federal Regulations, 2014 CFR

2014-10-01

... 45 Public Welfare 2 2014-10-01 2012-10-01 true Federal financial participation (FFP) for State and local training. 235.60 Section 235.60 Public Welfare Regulations Relating to Public Welfare OFFICE OF... programs in all jurisdictions under title I, IV-A, X, XIV, or XVI (AABD) of the Social Security Act. [45 FR...

45 CFR 235.60 - Federal financial participation (FFP) for State and local training.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 45 Public Welfare 2 2011-10-01 2011-10-01 false Federal financial participation (FFP) for State and local training. 235.60 Section 235.60 Public Welfare Regulations Relating to Public Welfare OFFICE... programs in all jurisdictions under title I, IV-A, X, XIV, or XVI (AABD) of the Social Security Act. [45 FR...

The Impact of International Financial Reporting Standards on Accounting Curriculum in the United States

ERIC Educational Resources Information Center

Yallapragada, RamMohan R.; Toma, Alfred G.; Roe, C. William

2011-01-01

According to the time line presently specified by the Securities and Exchange Commission (SEC), business firms in the United States (US) should switch from the existing US accounting reporting guidelines of the Generally Accepted Accounting Principles (GAAP) to International Financial Reporting Standards (IFRS) by the year 2014. The US business…

17 CFR 210.2-05 - Examination of financial statements by more than one accountant.

Code of Federal Regulations, 2012 CFR

2012-04-01

... statements by more than one accountant. 210.2-05 Section 210.2-05 Commodity and Securities Exchanges... OF 1940, AND ENERGY POLICY AND CONSERVATION ACT OF 1975 Qualifications and Reports of Accountants § 210.2-05 Examination of financial statements by more than one accountant. If, with respect to the...

17 CFR 210.2-05 - Examination of financial statements by more than one accountant.

Code of Federal Regulations, 2013 CFR

2013-04-01

... statements by more than one accountant. 210.2-05 Section 210.2-05 Commodity and Securities Exchanges... OF 1940, AND ENERGY POLICY AND CONSERVATION ACT OF 1975 Qualifications and Reports of Accountants § 210.2-05 Examination of financial statements by more than one accountant. If, with respect to the...

17 CFR 210.2-05 - Examination of financial statements by more than one accountant.

Code of Federal Regulations, 2014 CFR

2014-04-01

... statements by more than one accountant. 210.2-05 Section 210.2-05 Commodity and Securities Exchanges... OF 1940, AND ENERGY POLICY AND CONSERVATION ACT OF 1975 Qualifications and Reports of Accountants § 210.2-05 Examination of financial statements by more than one accountant. If, with respect to the...

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.

The American Indian and Alaska Native Higher Education Funding Guide. A Financial Guide to Undergraduate and Graduate Sources of Funding for American Indians and Alaska Natives.

ERIC Educational Resources Information Center

Frazier, Gregory W.

This book provides American Indian and Alaska Native students with sources for securing financial aid for higher education. The first section covers sources of funding and grants for individuals who are pursuing undergraduate degrees. This financial support includes scholarships with state residency requirements, general undergraduate…

The Business of Charter Schooling: Understanding the Policies That Charter Operators Use for Financial Benefit

ERIC Educational Resources Information Center

Baker, Bruce; Miron, Gary

2015-01-01

This research brief details some of the prominent ways that individuals, companies, and organizations secure financial gain and generate profit by controlling and running charter schools. To illustrate how charter school policy functions to promote privatization and profiteering, the authors explore differences between charter schools and…

75 FR 13632 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-03-22

... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-61706; File No. SR-FINRA-2009-047] Self... the receipt of such disclosure. Rule 2350 applies only when broker-dealer services are conducted... business on the premises of financial institutions, and to clarify the relationship between a broker-dealer...

17 CFR 449.1 - Form G-FIN, notification by financial institutions of status as government securities broker or...

Code of Federal Regulations, 2011 CFR

2011-04-01

... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Form G-FIN, notification by...)(i) of the Securities Exchange Act of 1934. 449.1 Section 449.1 Commodity and Securities Exchanges... Currency, the Federal Deposit Insurance Corporation, the Director of the Office of Thrift Supervision and...

Roadmap on optical security

NASA Astrophysics Data System (ADS)

Javidi, Bahram; Carnicer, Artur; Yamaguchi, Masahiro; Nomura, Takanori; Pérez-Cabré, Elisabet; Millán, María S.; Nishchal, Naveen K.; Torroba, Roberto; Fredy Barrera, John; He, Wenqi; Peng, Xiang; Stern, Adrian; Rivenson, Yair; Alfalou, A.; Brosseau, C.; Guo, Changliang; Sheridan, John T.; Situ, Guohai; Naruse, Makoto; Matsumoto, Tsutomu; Juvells, Ignasi; Tajahuerce, Enrique; Lancis, Jesús; Chen, Wen; Chen, Xudong; Pinkse, Pepijn W. H.; Mosk, Allard P.; Markman, Adam

2016-08-01

Information security and authentication are important challenges facing society. Recent attacks by hackers on the databases of large commercial and financial companies have demonstrated that more research and development of advanced approaches are necessary to deny unauthorized access to critical data. Free space optical technology has been investigated by many researchers in information security, encryption, and authentication. The main motivation for using optics and photonics for information security is that optical waveforms possess many complex degrees of freedom such as amplitude, phase, polarization, large bandwidth, nonlinear transformations, quantum properties of photons, and multiplexing that can be combined in many ways to make information encryption more secure and more difficult to attack. This roadmap article presents an overview of the potential, recent advances, and challenges of optical security and encryption using free space optics. The roadmap on optical security is comprised of six categories that together include 16 short sections written by authors who have made relevant contributions in this field. The first category of this roadmap describes novel encryption approaches, including secure optical sensing which summarizes double random phase encryption applications and flaws [Yamaguchi], the digital holographic encryption in free space optical technique which describes encryption using multidimensional digital holography [Nomura], simultaneous encryption of multiple signals [Pérez-Cabré], asymmetric methods based on information truncation [Nishchal], and dynamic encryption of video sequences [Torroba]. Asymmetric and one-way cryptosystems are analyzed by Peng. The second category is on compression for encryption. In their respective contributions, Alfalou and Stern propose similar goals involving compressed data and compressive sensing encryption. The very important area of cryptanalysis is the topic of the third category with two sections

A comparative study of financial data sources for critical access hospitals: audited financial statements, the Medicare cost report, and the Internal Revenue Service form 990.

PubMed

Ozmeral, Alisha Bhadelia; Reiter, Kristin L; Holmes, George M; Pink, George H

2012-01-01

Medicare cost reports (MCR), Internal Revenue Service form 990s (IRS 990), and audited financial statements (AFS) vary in their content, detail, purpose, timeliness, and certification. The purpose of this study was to compare selected financial data elements and characterize the extent of differences in financial data and ratios across the MCR, IRS 990, and AFS for a sample of nonprofit critical access hospitals (CAHs). Line items from AFS of 47 CAHs were compared to data reported in the hospitals' MCR and IRS 990s. Line items were based on 9 financial indicators commonly used to assess hospital financial performance. Of the indicators examined, the equity financing ratio most frequently matched between the 3 reports, while salaries and benefits to total expenses and debt service coverage were often different. Variances were driven by differences in individual account balances used to construct the ratios. Relative to AFS, cash was frequently lower on the IRS 990 while marketable securities and unrestricted investments were often higher. Other revenue and net income were consistently lower on the MCR and IRS 990, and depreciation was often higher on the MCR. The majority of total assets and fund balance (equity) values matched across the 3 reports, suggesting differences in classification among detailed accounts were more common than variances between the component totals (total assets, total liabilities, and fund balance). Health policy researchers should consider the impact of these variances on study results and consider ways to improve the availability and quality of financial accounting information. © 2012 National Rural Health Association.

Which comes first: employee attitudes or organizational financial and market performance?

PubMed

Schneider, Benjamin; Hanges, Paul J; Smith, D Brent; Salvaggio, Amy Nicole

2003-10-01

Employee attitude data from 35 companies over 8 years were analyzed at the organizational level of analysis against financial (return on assets; ROA) and market performance (earnings per share: EPS) data using lagged analyses permitting exploration of priority in likely causal ordering. Analyses revealed statistically significant and stable relationships across various time lags for 3 of 7 scales. Overall Job Satisfaction and Satisfaction With Security were predicted by ROA and EPS more strongly than the reverse (although some of the reverse relationships were also significant); Satisfaction With Pay suggested a more reciprocal relationship with ROA and EPS. The discussion of results provides a preliminary framework for understanding issues surrounding employee attitudes, high-performance work practices, and organizational financial and market performance.

Employer Expectations of Accounting Undergraduates' Entry-Level Knowledge and Skills in Global Financial Reporting

ERIC Educational Resources Information Center

Jones, Christopher G.; Vedd, Rishma; Yoon, Sung Wook

2008-01-01

The globalization of business has led to the adoption of International Financial Reporting Standards (IFRS) around the world. Recently, the Securities and Exchange Commission issued a roadmap for IFRS implementation starting in 2014, with earlier adoption permitted. Yet according to recent surveys, few U.S. universities have a strategy in place to…

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…

75 FR 62911 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-13

... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-63044; File No. SR-FINRA-2010-042] Self..., Relating to FINRA Rule 4160 (Verification of Assets) October 5, 2010. I. Introduction On August 4, 2010... verification of assets maintained by the member at such financial institutions. The proposed rule change was...

78 FR 16726 - Self-Regulatory Organizations; International Securities Exchange, LLC; Notice of Filing of...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-03-18

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17 CFR 270.10f-3 - Exemption for the acquisition of securities during the existence of an underwriting or selling...

Code of Federal Regulations, 2012 CFR

2012-04-01

... financial regulatory authority,” as defined in section 2(a)(50) of the Act [15 U.S.C. 80a-2(a)(50)], in such country; (ii) The securities are offered at a fixed price to all purchasers in the offering (except for... of the issuer); (iii) Financial statements, prepared and audited in accordance with standards...

17 CFR 270.10f-3 - Exemption for the acquisition of securities during the existence of an underwriting or selling...

Code of Federal Regulations, 2011 CFR

2011-04-01

... financial regulatory authority,” as defined in section 2(a)(50) of the Act [15 U.S.C. 80a-2(a)(50)], in such country; (ii) The securities are offered at a fixed price to all purchasers in the offering (except for... of the issuer); (iii) Financial statements, prepared and audited in accordance with standards...

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.

[Welfare and health in the century of social security].

PubMed

Westin, S

1999-12-10

Great achievements for public health in this century include penicillin, oral contraception, vaccination and transplantation, but the greatest contribution to the health of Norwegians may have been made by social security and the welfare state policies. The beneficial effects of social security include: less social inequality, a factor which in itself makes for better health, some degree of financial security for people who are ill and unable to support themselves or their families, universal availability of medical and health services. This paper explores the ideas and sources from which present-day social security legislation stems. The emergence of state based welfare legislation was inspired by developments in Germany under Bismarck; accident insurance for industrial workers was the first to be introduced in 1894. Several periods of active social security legislation followed at times when labour unions and socialist ideas were strong, supported, to some degree, by radical clergy and public health doctors. Social democratic governments, inspired by the British Beveridge plan towards the end of World War II, took the lead during the long post-war period until the mid 1970s. The Scandinavian model of social security is based on universal coverage and a single payer system. However, since the 1980s, as in other countries of Northern Europe, the social security system has come under pressure from market liberalism. Now at the turn of the century, increasing social inequalities cause some concern for the future of the welfare state.

Ecologies of security: On the everyday security tactics of female sex workers in Nairobi, Kenya.

PubMed

Lorway, Robert; Lazarus, Lisa; Chevrier, Claudyne; Khan, Shamshad; Musyoki, Helgar K; Mathenge, John; Mwangi, Peninah; Macharia, Pascal; Bhattacharjee, Parinita; Isac, Shajy; Kimani, Joshua; Gaaki, Gloria; Becker, Marissa; Moses, Stephen; Blanchard, James

2018-03-05

This paper highlights important environmental dimensions of HIV vulnerability by describing how the sex trade operates in Nairobi, Kenya. Although sex workers there encounter various forms of violence and harassment, as do sex workers globally, we highlight how they do not merely fall victim to a set of environmental risks but also act upon their social environment, thereby remaking it, as they strive to protect their health and financial interests. In so doing, we illustrate the mutual constitution of 'agency' and 'structure' in social network formations that take shape in everyday lived spaces. Our findings point to the need to expand the focus of interventions to consider local ecologies of security in order to place the local knowledges, tactics, and capacities that communities might already possess on centre stage in interventions. Planning, implementing, and monitoring interventions with a consideration of these ecologies would tie interventions not only to the risk reduction goals of global public health policy, but also to the very real and grounded financial priorities of what it means to try to safely earn a living through sex work.

How Nation-States Craft National Security Strategy Documents

DTIC Science & Technology

2012-10-01

state, civil society, and the individual. In the 21st century, the overall security concept is being looked at to en - compass a “country’s society as a...were very rigorous in their efforts to en - sure that the military operated within its fiscal means. Owing to the fact that the global financial crisis...institutions like think tanks or academic bodies that address issues such as human rights, democracy, and governance; civil society en - gagement; small arms

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…

Economic abuse and intra-household inequities in food security.

PubMed

Power, Elaine M

2006-01-01

Food insecurity affected over 2.3 million Canadians in 2004. To date, the food security literature has not considered the potential impact of economic abuse on food security, but there are three ways in which these two important public health issues may be related: 1) victims of economic abuse are at risk of food insecurity when they are denied access to adequate financial resources; 2) the conditions that give rise to food insecurity may also precipitate intimate partner violence in all its forms; 3) women who leave economically abusive intimate heterosexual relationships are more likely to live in poverty and thus are at risk of food insecurity. This paper presents a case of one woman who, during a qualitative research interview, spontaneously reported economic abuse and heterosexual interpersonal violence. The economic abuse suffered by this participant appears to have affected her food security and that of her children, while her husband's was apparently unaffected. There is an urgent need to better understand the nature of intra-household food distribution in food-insecure households and the impact of economic abuse on its victims' food security. Such an understanding may lead to improved food security measurement tools and social policies to reduce food insecurity.

17 CFR 240.14d-100 - Schedule TO. Tender offer statement under section 14(d)(1) or 13(e)(1) of the Securities Exchange...

Code of Federal Regulations, 2010 CFR

2010-04-01

... text of disclosure requirements in the schedule or any document published, sent or given to security holders. Indicate clearly the coverage of the requirements without referring to the text of the items. F... holders. If pro forma financial information is required by this instruction, the historical financial...

78 FR 70602 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-11-26

... receivables, student loans, auto loans, etc.).\\7\\ Also, in FINRA Rule 6710, FINRA proposes to add three new... financial asset, such as a consumer or student loan, a lease, or a secured or unsecured receivable, but...; automobile loans and leases; student loans; home equity loans and home equity lines of credit; aircraft...

76 FR 65549 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

Federal Register 2010, 2011, 2012, 2013, 2014

2011-10-21

... Financial Services Institute (``FSI''), dated February 27, 2009; Letter from Pink OTC Markets, Inc. (``Pink... customer of another broker-dealer, to use ``reasonable diligence'' to ascertain the best market for a security and to buy or sell in such market so that the resultant price to the customer is as favorable as...

75 FR 33885 - Office of International Affairs; Survey of Foreign Ownership of U.S. Securities as of June 30, 2010

Federal Register 2010, 2011, 2012, 2013, 2014

2010-06-15

... any agency, corporation, financial institution, or other entity or instrumentality thereof, including... equities, short-term debt securities (including selected money market instruments), and long-term debt...

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,…

Finding medical care for colorectal cancer symptoms: experiences among those facing financial barriers.

PubMed

Thomson, Maria D; Siminoff, Laura A

2015-02-01

Financial barriers can substantially delay medical care seeking. Using patient narratives provided by 252 colorectal cancer patients, we explored the experience of financial barriers to care seeking. Of the 252 patients interviewed, 84 identified financial barriers as a significant hurdle to obtaining health care for their colorectal cancer symptoms. Using verbatim transcripts of the narratives collected from patients between 2008 and 2010, three themes were identified: insurance status as a barrier (discussed by n = 84; 100% of subsample), finding medical care (discussed by n = 30; 36% of subsample) and, insurance companies as barriers (discussed by n = 7; 8% of subsample). Our analysis revealed that insurance status is more nuanced than the categories insured/uninsured and differentially affects how patients attempt to secure health care. While barriers to medical care for the uninsured have been well documented, the experiences of those who are underinsured are less well understood. To improve outcomes in these patients it is critical to understand how financial barriers to medical care are manifested. Even with anticipated changes of the Affordable Care Act, it remains important to understand how perceived financial barriers may be influencing patient behaviors, particularly those who have limited health care options due to insufficient health insurance coverage. © 2014 Society for Public Health Education.

Beyond Measure: New Approaches to Analyzing Congressional Oversight of Homeland Security

DTIC Science & Technology

2015-03-01

Budget, Paperwork Reduction Project (0704-0188) Washington, DC 20503. 1. AGENCY USE ONLY (Leave blonk) 2. REPORT DATE 3. REPORT TYPE AND DATES...Commerce Science and Transportation Committee CSIS Center for Strategic and International Studies DHS U.S. Department of Homeland Security DNDO...Financial Service Committee HJC House Judiciary Committee HNR House Committee on Natural resources HSci House Science and Technology Committee HSGAC

A review of 'The Health Security Act of 1993'.

PubMed

Peterson, D M; Brownawell, H J

1994-01-01

The Health Security Act of 1993, which is now before Congress, holds the potential to effect major changes in the way health care is delivered in this country and in how that delivery is financed. This article reviews the principal provisions proposed to be contained in the act (as presented in the preliminary summary released in September 1993) and offers suggestions regarding the issues that hospital financial managers should begin addressing now.

Domestic Determinants and Security Policy-Making in East Asia

DTIC Science & Technology

2000-11-01

the U.S.-Japan alliance cannot be overstated as a foundation stone of Asia’s stability, the bilateral relationship has been sub- jected to heavy stress...financial crisis, are addressed by only a single department or ministry. ■ American neglect and Japanese obsession — With the purpose of the alliance ...requirement for a new rationale, fears weakening of American resolve to remain committed. Security independence by Japan and U.S. abandonment of the alliance