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Sample records for 95-217 provide financial

  1. 47 CFR 95.217 - (R/C Rule 17) May I operate my R/C station transmitter by remote control?

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 47 Telecommunication 5 2014-10-01 2014-10-01 false (R/C Rule 17) May I operate my R/C station transmitter by remote control? 95.217 Section 95.217 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) SAFETY AND SPECIAL RADIO SERVICES PERSONAL RADIO SERVICES Radio Control (R/C) Radio Service How to Operate An R/c Station § 95.217...

  2. 47 CFR 95.217 - (R/C Rule 17) May I operate my R/C station transmitter by remote control?

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 47 Telecommunication 5 2011-10-01 2011-10-01 false (R/C Rule 17) May I operate my R/C station transmitter by remote control? 95.217 Section 95.217 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) SAFETY AND SPECIAL RADIO SERVICES PERSONAL RADIO SERVICES Radio Control (R/C) Radio Service How to Operate An R/c Station § 95.217...

  3. 47 CFR 95.217 - (R/C Rule 17) May I operate my R/C station transmitter by remote control?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 47 Telecommunication 5 2010-10-01 2010-10-01 false (R/C Rule 17) May I operate my R/C station transmitter by remote control? 95.217 Section 95.217 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) SAFETY AND SPECIAL RADIO SERVICES PERSONAL RADIO SERVICES Radio Control (R/C) Radio Service How to Operate An R/c Station § 95.217...

  4. 47 CFR 95.217 - (R/C Rule 17) May I operate my R/C station transmitter by remote control?

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 47 Telecommunication 5 2012-10-01 2012-10-01 false (R/C Rule 17) May I operate my R/C station transmitter by remote control? 95.217 Section 95.217 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) SAFETY AND SPECIAL RADIO SERVICES PERSONAL RADIO SERVICES Radio Control (R/C) Radio Service How to Operate An R/c Station § 95.217...

  5. 47 CFR 95.217 - (R/C Rule 17) May I operate my R/C station transmitter by remote control?

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 47 Telecommunication 5 2013-10-01 2013-10-01 false (R/C Rule 17) May I operate my R/C station transmitter by remote control? 95.217 Section 95.217 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) SAFETY AND SPECIAL RADIO SERVICES PERSONAL RADIO SERVICES Radio Control (R/C) Radio Service How to Operate An R/c Station § 95.217...

  6. 13 CFR 112.5 - Discrimination in providing financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... NONDISCRIMINATION IN FEDERALLY ASSISTED PROGRAMS OF SBA-EFFECTUATION OF TITLE VI OF THE CIVIL RIGHTS ACT OF 1964... investment companies which apply for or receive any of the financial assistance described in § 112.2(a) may not discriminate, on the ground of race, color or national origin, in providing financial......

  7. 13 CFR 112.5 - Discrimination in providing financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... NONDISCRIMINATION IN FEDERALLY ASSISTED PROGRAMS OF SBA-EFFECTUATION OF TITLE VI OF THE CIVIL RIGHTS ACT OF 1964... investment companies which apply for or receive any of the financial assistance described in § 112.2(a) may not discriminate, on the ground of race, color or national origin, in providing financial......

  8. Derivative financial instruments and nonprofit health care providers.

    PubMed

    Stewart, Louis J; Owhoso, Vincent

    2004-01-01

    This article examines the extent of derivative financial instrument use among US nonprofit health systems and the impact of these financial instruments on their cash flows, reported operating results, and financial risks. Our examination is conducted through a case study of New Jersey hospitals and health systems. We review the existing literature on interest rate derivative instruments and US hospitals and health systems. This literature describes the design of these derivative financial instruments and the theoretical benefits of their use by large health care provider organizations. Our contribution to the literature is to provide an empirical evaluation of derivative financial instruments usage among a geographically limited sample of US nonprofit health systems. We reviewed the audited financial statements of the 49 community hospitals and multi-hospital health systems operating in the state of New Jersey. We found that 8 percent of New Jersey's nonprofit health providers utilized interest rate derivatives with an aggregate principle value of $229 million. These derivative users combine interest rate swaps and caps to lower the effective interest costs of their long-term debt while limiting their exposure to future interest rate increases. In addition, while derivative assets and liabilities have an immaterial balance sheet impact, derivative related gains and losses are a material component of their reported operating results. We also found that derivative usage among these four health systems was responsible for generating positive cash flows in the range of 1 percent to 2 percent of their total 2001 cash flows from operations. As a result of our admittedly limited samples we conclude that interest rate swaps and caps are effective risk management tools. However, we also found that while these derivative financial instruments are useful hedges against the risks of issuing long-term financing instruments, they also expose derivative users to credit, contract

  9. Derivative financial instruments and nonprofit health care providers.

    PubMed

    Stewart, Louis J; Owhoso, Vincent

    2004-01-01

    This article examines the extent of derivative financial instrument use among US nonprofit health systems and the impact of these financial instruments on their cash flows, reported operating results, and financial risks. Our examination is conducted through a case study of New Jersey hospitals and health systems. We review the existing literature on interest rate derivative instruments and US hospitals and health systems. This literature describes the design of these derivative financial instruments and the theoretical benefits of their use by large health care provider organizations. Our contribution to the literature is to provide an empirical evaluation of derivative financial instruments usage among a geographically limited sample of US nonprofit health systems. We reviewed the audited financial statements of the 49 community hospitals and multi-hospital health systems operating in the state of New Jersey. We found that 8 percent of New Jersey's nonprofit health providers utilized interest rate derivatives with an aggregate principle value of $229 million. These derivative users combine interest rate swaps and caps to lower the effective interest costs of their long-term debt while limiting their exposure to future interest rate increases. In addition, while derivative assets and liabilities have an immaterial balance sheet impact, derivative related gains and losses are a material component of their reported operating results. We also found that derivative usage among these four health systems was responsible for generating positive cash flows in the range of 1 percent to 2 percent of their total 2001 cash flows from operations. As a result of our admittedly limited samples we conclude that interest rate swaps and caps are effective risk management tools. However, we also found that while these derivative financial instruments are useful hedges against the risks of issuing long-term financing instruments, they also expose derivative users to credit, contract

  10. Financial and economic considerations for emergency response providers.

    PubMed

    Liong, Anne S; Liong, Samuel U

    2010-12-01

    Catastrophic events often threaten or cause depletion of resources. It is generally accepted that changes inherent to disasters are stressful. The Conservation of Resources Theory predicts that positive and negative changes in resources will have markedly different effects.28 This theory proposes that resource losses are psychologically stressful, whereas resource gains buffer against the effects of resource loss. For first responders, the level of preparedness is crucial. Investments in planning, training, and logistics are necessary to mitigate the stress associated with a crisis. Stress is also related to not knowing the future of their loved ones if death or permanent incapacity occurs, hence specific laws and financial resources provide a safety net to dependents of first responders and survivors. This kind of safety gives the first responders peace of mind and assurance that the future of their dependents will not be jeopardized. Incentives that are offered let the first responders know that they are valued and appreciated. Indeed, financial support considerably helps first responders before, during, and after catastrophic events. It assists them to cope with stress at the individual level and allows them to become more resilient; this resonates to the community and country in which they serve and enhances their potential to save lives and prevent disabilities.

  11. Financial risk sharing with providers in health maintenance organizations, 1999.

    PubMed

    Gold, Marsha R; Lake, Timothy; Hurley, Robert; Sinclair, Michael

    2002-01-01

    The transfer of financial risk from health maintenance organizations (HMOs) to providers is controversial. To provide timely national data on these practices, we conducted a telephone survey in 1999 of a multi-staged probability sample of HMOs in 20 of the nation's 60 largest markets, accounting for 86% of all HMO enrollees nationally. Among those sampled, 82% responded. We found that HMOs' provider networks with physicians, hospitals, skilled nursing homes, and home health agencies are complex and multi-tiered Seventy-six percent of HMOs in our study use contracts for their HMO products that involve global, professional services, or hospital risk capitation to intermediate entities. These arrangements account for between 24.5 million and 27.4 million of the 55.9 million commercial and Medicare HMO enrollees in the 60 largest markets. While capitation arrangements are particularly common in California, they are more common elsewhere than many assume. The complex layering of risk sharing and delegation of care management responsibility raise questions about accountability and administrative costs in managed care. Do complex structures provide a way to involve providers more directly in managed care, or do they diffuse authority and add to administrative costs? PMID:12067073

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

    ERIC Educational Resources Information Center

    Huston, Sandra J.

    2015-01-01

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

  13. 18 CFR 1309.9 - How does TVA provide financial assistance in conformity with the Act?

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 18 Conservation of Power and Water Resources 2 2010-04-01 2010-04-01 false How does TVA provide financial assistance in conformity with the Act? 1309.9 Section 1309.9 Conservation of Power and Water... financial assistance in conformity with the Act? (a) TVA contributes financial assistance only...

  14. 7 CFR 1942.313 - Plan to provide financial assistance to third parties.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 13 2014-01-01 2013-01-01 true Plan to provide financial assistance to third parties... Grants and Television Demonstration Grants § 1942.313 Plan to provide financial assistance to third... to third parties the applicant shall develop a plan which outlines the purpose and administration...

  15. Financial stakes rising as auditors set their sights on providers.

    PubMed

    2016-03-01

    The Centers for Medicare & Medicaid Services (CMS) is continuing to tweak its various audit programs, and the changes make it imperative that case managers stay current so they can educate the rest of the staff. Hospitals have got to get patient status right up front, and that means case managers should review every patient who comes in from every point of access. Hospitals should eliminate the silos within their various departments and outside the hospital walls with post-acute providers so everyone can work together for better patient care. Case managers should work closely with their physician advisors and admitting physicians as well as being involved in revenue cycle activities. PMID:26964413

  16. Financial health and customer satisfaction in private health care providers in Brazil.

    PubMed

    Schiozer, Rafael Felipe; Saito, Cristiana Checchia; Saito, Richard

    2011-11-01

    This paper analyzes the relationship between the financial health and organizational form of private health care providers in Brazil. It also examines the major determinants of customer satisfaction associated with the provider's organizational form. An adjusted Altman's z-score is used as an indicator of financial health. A proxy variable based on customer complaints filed at the Brazilian National Agency for Supplementary Health is used as an indicator for customer satisfaction. The study uses a sample of 270 private health care providers and their operations over the period 2003-2005. Panel data analysis includes control variables related to market, operations, and management. Principal results indicate that: (1) private health care providers benefit from economies of scale; (2) self-funded health plans have better financial health; (3) spending on marketing does not have a significant impact on customer satisfaction in Brazil; (4) weak empirical evidence exists showing that good financial performance enhances customer's satisfaction. PMID:22124495

  17. 43 CFR 3809.551 - What are my choices for providing BLM with a financial guarantee?

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 43 Public Lands: Interior 2 2011-10-01 2011-10-01 false What are my choices for providing BLM with a financial guarantee? 3809.551 Section 3809.551 Public Lands: Interior Regulations Relating to Public Lands (Continued) BUREAU OF LAND MANAGEMENT, DEPARTMENT OF THE INTERIOR MINERALS MANAGEMENT...

  18. New data tool provides wealth of clinical, financial benchmarks by census region.

    PubMed

    1998-08-01

    Data Library: Compare your departmental expenses, administrative expense ratio, length of stay, and other clinical-financial data to benchmarks for your census region. A new CD-rom product that provides access to four years of Medicare Cost Report data for every reporting hospital in the nation allows users to slice and dice the data by more than 200 different performance measures.

  19. The financial value of services provided by a rural community health fair.

    PubMed

    Dulin, Mary Katherine; Olive, Kenneth E; Florence, Joseph A; Sliger, Carolyn

    2006-11-01

    There has been little discussion in the literature regarding the financial value of the services provided to the participants in health fairs. This article examines the financial value of preventive services provided through a community health fair in an economically depressed area of southwest Virginia. Current Procedural Terminology codes were assigned to the services provided in order to estimate costs participants might incur for such services. An average 50-year-old man would have paid up to $320 to obtain commonly recommended preventive services available free at the fair. An average 50-year-old woman would have paid up to $495. Overall, over $58,000 in services were provided through the health fair. This community health fair provided preventive services that many participants otherwise might have found to be cost-prohibitive.

  20. 25 CFR 20.102 - What is the Bureau's policy in providing financial assistance and social services under this part?

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ..., Purpose and Policy § 20.102 What is the Bureau's policy in providing financial assistance and social... 25 Indians 1 2011-04-01 2011-04-01 false What is the Bureau's policy in providing financial assistance and social services under this part? 20.102 Section 20.102 Indians BUREAU OF INDIAN...

  1. 25 CFR 20.102 - What is the Bureau's policy in providing financial assistance and social services under this part?

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ..., Purpose and Policy § 20.102 What is the Bureau's policy in providing financial assistance and social... 25 Indians 1 2010-04-01 2010-04-01 false What is the Bureau's policy in providing financial assistance and social services under this part? 20.102 Section 20.102 Indians BUREAU OF INDIAN...

  2. The Relationship between the Financial Status of Sole Community Independent Pharmacies and Their Broader Involvement with Other Rural Providers

    ERIC Educational Resources Information Center

    Radford, Andrea; Slifkin, Rebecca; King, Jennifer; Lampman, Michelle; Richardson, Indira; Rutledge, Steve

    2011-01-01

    Purpose: To document sole community pharmacists' involvement with other local health care organizations, these pharmacies' current financial status, and to determine whether financial position was associated with the provision of pharmacy services to other local health care providers. Methods: We conducted semistructured interviews with…

  3. 12 CFR 989.3 - Requirement to provide financial and other information to the Finance Board and the Office of...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... information to the Finance Board and the Office of Finance. 989.3 Section 989.3 Banks and Banking FEDERAL HOUSING FINANCE BOARD OFFICE OF FINANCE FINANCIAL STATEMENTS OF THE BANKS § 989.3 Requirement to provide financial and other information to the Finance Board and the Office of Finance. In order to facilitate...

  4. 25 CFR 20.102 - What is the Bureau's policy in providing financial assistance and social services under this part?

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 25 Indians 1 2014-04-01 2014-04-01 false What is the Bureau's policy in providing financial assistance and social services under this part? 20.102 Section 20.102 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR HUMAN SERVICES FINANCIAL ASSISTANCE AND SOCIAL SERVICES PROGRAMS...

  5. 25 CFR 20.102 - What is the Bureau's policy in providing financial assistance and social services under this part?

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 25 Indians 1 2013-04-01 2013-04-01 false What is the Bureau's policy in providing financial assistance and social services under this part? 20.102 Section 20.102 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR HUMAN SERVICES FINANCIAL ASSISTANCE AND SOCIAL SERVICES PROGRAMS...

  6. 25 CFR 20.102 - What is the Bureau's policy in providing financial assistance and social services under this part?

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 25 Indians 1 2012-04-01 2011-04-01 true What is the Bureau's policy in providing financial assistance and social services under this part? 20.102 Section 20.102 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR HUMAN SERVICES FINANCIAL ASSISTANCE AND SOCIAL SERVICES PROGRAMS...

  7. 7 CFR 1942.314 - Grants to provide financial assistance to third parties, television demonstration projects, and...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... parties, television demonstration projects, and technical assistance programs. 1942.314 Section 1942.314...) PROGRAM REGULATIONS (CONTINUED) ASSOCIATIONS Rural Business Enterprise Grants and Television Demonstration Grants § 1942.314 Grants to provide financial assistance to third parties, television...

  8. 7 CFR 1942.314 - Grants to provide financial assistance to third parties, television demonstration projects, and...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... parties, television demonstration projects, and technical assistance programs. 1942.314 Section 1942.314...) PROGRAM REGULATIONS (CONTINUED) ASSOCIATIONS Rural Business Enterprise Grants and Television Demonstration Grants § 1942.314 Grants to provide financial assistance to third parties, television...

  9. 7 CFR 1942.314 - Grants to provide financial assistance to third parties, television demonstration projects, and...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... parties, television demonstration projects, and technical assistance programs. 1942.314 Section 1942.314...) PROGRAM REGULATIONS (CONTINUED) ASSOCIATIONS Rural Business Enterprise Grants and Television Demonstration Grants § 1942.314 Grants to provide financial assistance to third parties, television...

  10. 7 CFR 1942.314 - Grants to provide financial assistance to third parties, television demonstration projects, and...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... parties, television demonstration projects, and technical assistance programs. 1942.314 Section 1942.314...) PROGRAM REGULATIONS (CONTINUED) ASSOCIATIONS Rural Business Enterprise Grants and Television Demonstration Grants § 1942.314 Grants to provide financial assistance to third parties, television...

  11. 7 CFR 1942.314 - Grants to provide financial assistance to third parties, television demonstration projects, and...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... parties, television demonstration projects, and technical assistance programs. 1942.314 Section 1942.314...) PROGRAM REGULATIONS (CONTINUED) ASSOCIATIONS Rural Business Enterprise Grants and Television Demonstration Grants § 1942.314 Grants to provide financial assistance to third parties, television...

  12. Estimating costs of programme services and products using information provided in standard financial statements.

    PubMed Central

    Ellwein, L. B.; Thulasiraj, R. D.; Boulter, A. R.; Dhittal, S. P.

    1998-01-01

    The financial viability of programme services and product offerings requires that revenue exceeds expenses. Revenue includes payments for services and products as well as donor cash and in-kind contributions. Expenses reflect consumption of purchased or contributed time and materials and utilization (depreciation) of physical plant facilities and equipment. Standard financial reports contain this revenue and expense information, complemented when necessary by valuation and accounting of in-kind contributions. Since financial statements are prepared using consistent and accepted accounting practices, year-to-year and organization-to-organization comparisons can be made. The use of such financial information is illustrated in this article by determining the unit cost of cataract surgery in two hospitals in Nepal. The proportion of unit cost attributed to personnel, medical supplies, administrative materials, and depreciation varied significantly by institution. These variations are accounted for by examining differences in operational structure and capacity utilization. PMID:9868836

  13. 18 CFR 1309.9 - How does TVA provide financial assistance in conformity with the Act?

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... involving the provision of similar services or benefits. Where the financial assistance involves the... contain a covenant running with the land assuring compliance with this part and the guidelines contained... assistance is extended or for another purpose involving the provision of similar services or benefits....

  14. 18 CFR 1309.9 - How does TVA provide financial assistance in conformity with the Act?

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... involving the provision of similar services or benefits. Where the financial assistance involves the... contain a covenant running with the land assuring compliance with this part and the guidelines contained... assistance is extended or for another purpose involving the provision of similar services or benefits....

  15. 18 CFR 1309.9 - How does TVA provide financial assistance in conformity with the Act?

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... involving the provision of similar services or benefits. Where the financial assistance involves the... contain a covenant running with the land assuring compliance with this part and the guidelines contained... assistance is extended or for another purpose involving the provision of similar services or benefits....

  16. 2 CFR 200.202 - Requirement to provide public notice of Federal financial assistance programs.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Federal financial assistance programs. 200.202 Section 200.202 Grants and Agreements Office of Management and Budget Guidance for Grants and Agreements OFFICE OF MANAGEMENT AND BUDGET GUIDANCE Reserved..., management, and reporting as required by Part 6 of OMB Circular A-11; (2) Identification of whether...

  17. State Programs to Provide Financial Support for and Coordination of Nonpublic Higher Education.

    ERIC Educational Resources Information Center

    Millard, Richard

    State aid to private higher education goes back to the beginning of higher education in this country. The forms of financial support for private higher education run the gamut from contracts for special services to general student aid available to students at both public and private institutions. By far the most important from the standpoint of…

  18. 10 CFR Appendix C to Part 30 - Criteria Relating to Use of Financial Tests and Self Guarantees for Providing Reasonable...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 10 Energy 1 2013-01-01 2013-01-01 false Criteria Relating to Use of Financial Tests and Self Guarantees for Providing Reasonable Assurance of Funds for Decommissioning C Appendix C to Part 30 Energy NUCLEAR REGULATORY COMMISSION RULES OF GENERAL APPLICABILITY TO DOMESTIC LICENSING OF BYPRODUCT...

  19. 24 CFR 52.8 - How does the Secretary provide states an opportunity to comment on proposed Federal financial...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 1 2011-04-01 2011-04-01 false How does the Secretary provide states an opportunity to comment on proposed Federal financial assistance and direct Federal development? 52.8 Section 52.8 Housing and Urban Development Office of the Secretary, Department of Housing and Urban Development INTERGOVERNMENTAL REVIEW...

  20. 40 CFR 280.114 - Bankruptcy or other incapacity of owner or operator or provider of financial assurance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 40 Protection of Environment 26 2010-07-01 2010-07-01 false Bankruptcy or other incapacity of... Bankruptcy or other incapacity of owner or operator or provider of financial assurance. (a) Within 10 days after commencement of a voluntary or involuntary proceeding under Title 11 (Bankruptcy), U.S....

  1. 40 CFR 280.114 - Bankruptcy or other incapacity of owner or operator or provider of financial assurance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 40 Protection of Environment 27 2011-07-01 2011-07-01 false Bankruptcy or other incapacity of... Bankruptcy or other incapacity of owner or operator or provider of financial assurance. (a) Within 10 days after commencement of a voluntary or involuntary proceeding under Title 11 (Bankruptcy), U.S....

  2. 10 CFR Appendix C to Part 30 - Criteria Relating to Use of Financial Tests and Self Guarantees for Providing Reasonable...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 10 Energy 1 2014-01-01 2014-01-01 false Criteria Relating to Use of Financial Tests and Self Guarantees for Providing Reasonable Assurance of Funds for Decommissioning C Appendix C to Part 30 Energy NUCLEAR REGULATORY COMMISSION RULES OF GENERAL APPLICABILITY TO DOMESTIC LICENSING OF BYPRODUCT...

  3. Does User Fee Removal Policy Provide Financial Protection from Catastrophic Health Care Payments? Evidence from Zambia

    PubMed Central

    Masiye, Felix; Kaonga, Oliver; Kirigia, Joses M

    2016-01-01

    Background Out-of-pocket payments in health care have been shown to impose significant burden on households in Sub-Saharan Africa, leading to constrained access to health care and impoverishment. In an effort to reduce the financial burden imposed on households by user fees, some countries in Sub-Saharan Africa have abolished user fees in the health sector. Zambia is one of few countries in Sub-Saharan Africa to abolish user fees in primary health care facilities with a view to alleviating financial burden of out-of-pocket payments among the poor. The main aim of this paper was to examine the extent and patterns of financial protection from fees following the decision to abolish user fees in public primary health facilities. Methods Our analysis is based on a nationally representative health expenditure and utilization survey conducted in 2014. We calculated the incidence and intensity of catastrophic health expenditure based on households’ out-of-pocket payments during a visit as a percentage of total household consumption expenditure. We further show the intensity of the problem of catastrophic health expenditure (CHE) experienced by households. Results Our analysis show that following the removal of user fees, a majority of patients who visited public health facilities benefitted from free care at the point of use. Further, seeking care at public primary health facilities is associated with a reduced likelihood of incurring CHE after controlling for economic wellbeing and other covariates. However, 10% of households are shown to suffer financial catastrophe as a result of out-of-pocket payments. Further, there is considerable inequality in the incidence of CHE whereby the poorest expenditure quintile experienced a much higher incidence. Conclusion Despite the removal of user fees at primary health care level, CHE is high among the poorest sections of the population. This study also shows that cost of transportation is mainly responsible for limiting the

  4. Healthcare Financial Management Association, Principles and Practices Board. Statement no. 15: Valuation and financial statement presentation of charity service and bad debts by institutional healthcare providers.

    PubMed

    1993-02-01

    Principles and Practices Board (P&P Board) Statement No. 2, issued in 1978, provided a basis for differentiating between charity service and bad debts. The statement acknowledged that, while the differentiation was helpful, the financial accounting and reporting of charity service and bad debts were the same. In 1990, the American Institute of Certified Public Accountants (AICPA) published (after review and approval by the Financial Accounting Standards Board and the Governmental Accounting Standards Board) an extensive revision of the guide titled "Audits of Providers of Health Care Services." The revised guide substantially changed the reporting of bad debts and eliminated charity service from revenue. Disclosure of the entity's policy for providing charity service and the level of charity service provided is required by the revised guide. The P&P Board decided that a substantive revision of its Statement No. 2 was required to bring it into conformity with the revised guide and to provide direction on implementation of the revised guide's requirements. This statement supersedes Statement No. 2 and deals with the same issues, including bad debts. PMID:10145753

  5. How Much Financial Protection Do Marketplace Plans Provide in States Not Expanding Medicaid?

    PubMed

    Beutel, Sophie; Gunja, Munira; Collins, Sara R

    2016-06-01

    The Affordable Care Act's premium subsidies and cost-sharing reductions have helped to reduce out-of-pocket costs for low-income people enrolled in marketplace plans. This financial protection has been particularly important for people with incomes above 100 percent of poverty who live in states that have not expanded Medicaid. However, a key question for policymakers is how this protection compares to Medicaid. This brief analyzes a sample of silver plans offered in the largest markets in 18 states that use the federal website for marketplace enrollment and have not expanded Medicaid eligibility. It finds that marketplace enrollees at this income level in most plans analyzed are at risk of incurring premium and out-of-pocket costs that are higher than what they would pay under Medicaid. For people with significant health needs, costs are estimated to be much higher in marketplace plans than what they would be under Medicaid. PMID:27311134

  6. How Much Financial Protection Do Marketplace Plans Provide in States Not Expanding Medicaid?

    PubMed

    Beutel, Sophie; Gunja, Munira; Collins, Sara R

    2016-06-01

    The Affordable Care Act's premium subsidies and cost-sharing reductions have helped to reduce out-of-pocket costs for low-income people enrolled in marketplace plans. This financial protection has been particularly important for people with incomes above 100 percent of poverty who live in states that have not expanded Medicaid. However, a key question for policymakers is how this protection compares to Medicaid. This brief analyzes a sample of silver plans offered in the largest markets in 18 states that use the federal website for marketplace enrollment and have not expanded Medicaid eligibility. It finds that marketplace enrollees at this income level in most plans analyzed are at risk of incurring premium and out-of-pocket costs that are higher than what they would pay under Medicaid. For people with significant health needs, costs are estimated to be much higher in marketplace plans than what they would be under Medicaid.

  7. Breast Density Legislation: Discussion of Patient Utilization and Subsequent Direct Financial Ramifications for Insurance Providers.

    PubMed

    Sobotka, John; Hinrichs, Clay

    2015-10-01

    Now that New Jersey has become the 14th state in the United States to enact legislation regarding dense breast screening, its patients are eligible to receive screening breast sonography coverage from their insurance carriers. This law is intended to improve breast cancer detection in patients with dense breasts and create awareness of unique issues that come with dense breast tissue, while reinforcing already present efforts to reduce the incidence of and morbidity related to the diagnosis of breast cancer. The aim of this study was to examine data from months preceding the effective date of this legislation in a community hospital setting and compare these data with data from months immediately after, and 6 months after, its enactment to present patient participation data and estimate the legislation's direct financial ramifications. Detractors of this type of legislation worry about overburdening the health care system with an influx of patients. Although there is a lack of present studies confirming this suspicion in other states with dense breast legislation, this study confirms a large increase in patient utilization after enactment, showing a minimum relative increase of 176.90% and a maximum relative increase of 335.56% in patient utilization of screening breast sonography. The investigators further include an estimation of an increased direct cost for insurers of $4,910,899.18 to $9,848,897.96 for a given month.

  8. [Assessment of financial performance improves the quality of healthcare provided by medical organizations].

    PubMed

    Afek, Arnon; Meilik, Ahuva; Rotstein, Zeev

    2009-01-01

    Today, medical organizations have to contend with a highly competitive environment, an atmosphere saturated with a multitude of innovative new technologies and ever-increasing costs. The ability of these organizations to survive and to develop and expand their services mandates adoption of management guidelines based on the world of finance/commerce, adapted to make them relevant to the world of medical service. In this article the authors chose to present a management administration assessment which is a process that ensures that the management will effectively administer the organization's resources, and meet the goals set by the organization. The system demands that hospital "centers of responsibility" be defined, a management information system be set up, activities be priced, budget be defined and the expenses assessed. These processes make it possible to formulate a budget and assess any possible deviation between the budget and the actual running costs. An assessment of deviations will reveal any possible deviation of the most significant factor--efficiency. Medical organization managers, with the cooperation of the directors of the "centers of responsibility", can assess subunit activities and gain an understanding of the significance of management decisions and thus improve the quality of management, and the medical organization. The goal of this management system is not only to Lower costs and to meet the financial goals that were set; it is a tool that ensures quality. Decreasing expenditure is important in this case, but is only secondary in importance and will be a result of reducing the costs incurred by services lacking in quality. PMID:19320392

  9. 30 CFR 285.520 - What financial assurance must I provide when I obtain my limited lease, ROW grant, or RUE grant?

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... obtain my limited lease, ROW grant, or RUE grant? 285.520 Section 285.520 Mineral Resources BUREAU OF... Assurance Requirements Financial Assurance for Limited Leases, Row Grants, and Rue Grants § 285.520 What financial assurance must I provide when I obtain my limited lease, ROW grant, or RUE grant? (a) Before...

  10. Patient satisfaction as a predictor of return-to-provider behavior: analysis and assessment of financial implications.

    PubMed

    Garman, Andrew N; Garcia, Joanne; Hargreaves, Marcia

    2004-01-01

    Although customer loyalty is frequently cited as a benefit of patient satisfaction, an empirical link between the two has not, to our knowledge, ever been statistically established in a hospital setting. The goal of the present study was to evaluate the relationship between self-reported patient satisfaction measures and subsequent return to the provider for care at a large academic medical center. Data from all adult medical patients responding to a patient satisfaction survey distributed by a large midwestern academic medical center during fiscal year 1997 (n = 1485) were analyzed. Response patterns were examined as they related to whether patients returned to the provider during the subsequent 2-year period. Analyses suggested that return-to-provider was associated with only a minority of the satisfaction items (approx. 11%). All items showing a significant relationship measured perceptions of how well physicians and nurses attended to, and provided information to, patients and their families. Although the size of these relationships was generally small, the estimated financial implications are substantial. Other implications of these findings for planning effective service improvement initiatives as well as improving patient survey design are discussed. PMID:14976909

  11. 28 CFR 58.25 - Qualifications for approval as providers of a personal financial management instructional course.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ...) Certification or accreditation as a credit counselor or a financial counselor by a recognized independent...; (iii) Identifying and classifying monthly expenses as fixed, variable, or periodic; (2)...

  12. 10 CFR Appendix A to Part 30 - Criteria Relating to Use of Financial Tests and Parent Company Guarantees for Providing...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... of total liabilities to net worth less than 2.0; a ratio of the sum of net income plus depreciation... 10 Energy 1 2010-01-01 2010-01-01 false Criteria Relating to Use of Financial Tests and Parent... MATERIAL Pt. 30, App. A Appendix A to Part 30—Criteria Relating to Use of Financial Tests and...

  13. The use of fund accounting and the need for single fund reporting by institutional healthcare providers. Principles and Practices Board Statement No. 8. Healthcare Financial Management Association.

    PubMed

    1986-06-01

    For many years, hospitals and other institutional healthcare providers used fund accounting as a basis for presenting their financial statements. Recently, authoritative literature has placed less emphasis on separate fund reporting. This is evidenced by the reduction of fund classifications specified in the literature. This trend seems to follow the recognition that institutional healthcare activities should be reported in a manner comparable to other businesses. The Principles and Practices Board (P&P Board) of the Healthcare Financial management Association believes that general purpose financial statements of institutional healthcare providers should be comparable to reporting by other businesses. That is, all assets, liabilities, and equity are presented in a single aggregated balance sheet without differentiation by fund. This form of presentation, referred to in this statement as single fund reporting, should be used by all institutional healthcare providers including those that are part of HMOs, universities, municipalities, and other larger entities when separate reports of the provider are issued. The P&P Board is studying other significant issues concerning the reporting of revenues and components of equity and changes therein. The conclusion in this statement can be implemented even though conclusions on these related subjects are not yet complete. The P&P Board recognizes that certain circumstances may require detailed records and reports for special purposes. This statement deals only with those general purpose financial statements on which an independent accountant's opinion is expressed.

  14. 10 CFR Appendix E to Part 30 - Criteria Relating to Use of Financial Tests and Self-Guarantee For Providing Reasonable Assurance...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...-Guarantee For Providing Reasonable Assurance of Funds For Decommissioning by Nonprofit Colleges... Decommissioning by Nonprofit Colleges, Universities, and Hospitals Link to an amendment published at 76 FR 35568... establishes the terms for a self-guarantee. II. Financial Test A. For colleges and universities, to pass...

  15. 10 CFR Appendix E to Part 30 - Criteria Relating to Use of Financial Tests and Self-Guarantee For Providing Reasonable Assurance...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 10 Energy 1 2013-01-01 2013-01-01 false Criteria Relating to Use of Financial Tests and Self-Guarantee For Providing Reasonable Assurance of Funds For Decommissioning by Nonprofit Colleges, Universities, and Hospitals E Appendix E to Part 30 Energy NUCLEAR REGULATORY COMMISSION RULES OF...

  16. 30 CFR 585.520 - What financial assurance must I provide when I obtain my limited lease, ROW grant, or RUE grant?

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... obtain my limited lease, ROW grant, or RUE grant? 585.520 Section 585.520 Mineral Resources BUREAU OF... Assurance for Limited Leases, Row Grants, and Rue Grants § 585.520 What financial assurance must I provide when I obtain my limited lease, ROW grant, or RUE grant? (a) Before BOEM will issue your limited...

  17. 30 CFR 285.520 - What financial assurance must I provide when I obtain my limited lease, ROW grant, or RUE grant?

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... obtain my limited lease, ROW grant, or RUE grant? 285.520 Section 285.520 Mineral Resources MINERALS... for Limited Leases, Row Grants, and Rue Grants § 285.520 What financial assurance must I provide when I obtain my limited lease, ROW grant, or RUE grant? (a) Before MMS will issue your limited...

  18. 30 CFR 585.520 - What financial assurance must I provide when I obtain my limited lease, ROW grant, or RUE grant?

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... obtain my limited lease, ROW grant, or RUE grant? 585.520 Section 585.520 Mineral Resources BUREAU OF... Assurance for Limited Leases, Row Grants, and Rue Grants § 585.520 What financial assurance must I provide when I obtain my limited lease, ROW grant, or RUE grant? (a) Before BOEM will issue your limited...

  19. 30 CFR 585.520 - What financial assurance must I provide when I obtain my limited lease, ROW grant, or RUE grant?

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... obtain my limited lease, ROW grant, or RUE grant? 585.520 Section 585.520 Mineral Resources BUREAU OF... Assurance for Limited Leases, Row Grants, and Rue Grants § 585.520 What financial assurance must I provide when I obtain my limited lease, ROW grant, or RUE grant? (a) Before BOEM will issue your limited...

  20. Assessing the financial health of Medicaid managed care plans and the quality of patient care they provide.

    PubMed

    McCue, Michael J; Bailit, Michael H

    2011-06-01

    In many states, Medicaid programs have contracted out the delivery of health care services to publicly traded health plans that are focused on managing the care of Medicaid members. Under the health reform law, states will be expanding the enrollment of their Medicaid programs and these publicly traded companies are expected to capitalize on this growing market. This study examined how publicly traded health plans differ from non-publicly traded ones in terms of administrative expenses, quality of care, and financial stability and found publicly traded plans that focused primarily on Medicaid enrollees paid out the lowest percentage of their Medicaid premium revenues in medical expenses and reported the highest percentage in administrative expenses across different types of health plans. The publicly traded plans also received lower scores for quality-of care measures related to preventive care, treatment of chronic conditions, members' access to care, and customer service.

  1. FINANCIAL LITERACY, FINANCIAL EDUCATION AND ECONOMIC OUTCOMES

    PubMed Central

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

    2013-01-01

    In this article we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature, and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the extent to which a competitive market provides incentives for firms to educate consumers or offer products that facilitate informed choice. We review the literature on alternative policies to improve financial outcomes, and compare the evidence to evidence on the efficacy and cost of financial education. Finally, we discuss directions for future research. PMID:23991248

  2. 28 CFR 58.25 - Qualifications for approval as providers of a personal financial management instructional course.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...) Learning materials and methodologies. A provider shall provide learning materials and teaching... unscheduled on-site visit or customer service audit. (j) Fees and certificates. If a fee is charged...

  3. Saving mothers and newborns in communities: strengthening community midwives to provide high quality essential newborn and maternal care in Baluchistan, Pakistan in a financially sustainable manner

    PubMed Central

    2014-01-01

    Background To address it's persistently high maternal mortality rate of 276/100,000 live births, the government of Pakistan created a new cadre of community based midwives (CMW). One expectation is that CMWs will improve access to maternal health services for underserved women. Recent research shows the CMWs have largely failed to establish midwifery practices, because CMW's lack of skills, both clinical and entrepreneurial and funds necessary to develop their practice infrastructure and logistics. Communities also lack trust in their competence to conduct safe births. To address these issues, the Saving Mothers and Newborn (SMNC) intervention will implement three key elements to support the CMWs to establish their private practices: (1) upgrade CMW clinical skills (2) provide business-skills training and small loans (3) generate demand for CMW services using cellular phone SMS technology and existing women’s support groups. Methods/Design This 3-year project aims to investigate whether CMWs enrolled in this initiative are providing the essential maternal and newborn health care to women and children living in districts of Quetta, and Gwadar in a financially self-sustaining manner. Specifically the research will use quasi-experimental impact assessment to document whether the SMNC initiative is having an impact on CMW services uptake, financial analysis to assess if the initiative enabled CMWs to develop financially self-sustainable practices and observation methods to assess the quality of care the CMWs are providing. Discussion A key element of the SMNC initiative - the provision of business skills training and loans to establish private practices - is an innovative initiative in Pakistan and little is known about its effectiveness. This research will provide emperic evidence of the effectiveness of the intervention as well as contribute to the body of evidence around potential solutions to improve sustainable coverage of high impact Maternal, Neonatal and

  4. The importance of providing counselling and financial support to patients receiving treatment for multi-drug resistant TB: mixed method qualitative and pilot intervention studies

    PubMed Central

    2014-01-01

    Background People with multi-drug resistant tuberculosis (MDR-TB) in low-income countries face many problems during treatment, and cure rates are low. The purpose of the study was (a) to identify and document the problems experienced by people receiving care for MDR-TB, and how they cope when support is not provided, to inform development of strategies; (b) to estimate the effectiveness of two resultant strategies, counselling alone, and joint counselling and financial support, of increasing DOTS-plus treatment success under routine programme conditions. Methods A mixed-method study comprising a formative qualitative study, pilot intervention study and explanatory qualitative study to better understand barriers to completion of treatment for MDR-TB. Participants were all people starting MDR-TB treatment in seven DOTS-plus centres in the Kathmandu Valley, Nepal during January to December 2008. The primary outcome measure was cure, as internationally defined. Results MDR-TB treatment caused extreme social, financial and employment hardship. Most patients had to move house and leave their job, and reported major stigmatisation. They were concerned about the long-term effects of their disease, and feared infecting others. In the resultant pilot intervention study, the two strategies appeared to improve treatment outcomes: cure rates for those receiving counselling, combined support and no support were 85%, 76% and 67% respectively. Compared with no support, the (adjusted) risk ratios of cure for those receiving counselling and receiving combined support were 1.2 (95% CI 1.0 to 1.6) and 1.2 (95% CI 0.9 to 1.6) respectively. The explanatory study demonstrated that patients valued both forms of support. Conclusions MDR-TB patients are extremely vulnerable to stigma and extreme financial hardship. Provision of counselling and financial support may not only reduce their vulnerability, but also increase cure rates. National Tuberculosis Programmes should consider

  5. 24 CFR 52.8 - How does the Secretary provide states an opportunity to comment on proposed Federal financial...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false How does the Secretary provide...? 52.8 Section 52.8 Housing and Urban Development Office of the Secretary, Department of Housing and Urban Development INTERGOVERNMENTAL REVIEW OF DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT PROGRAMS...

  6. Legal and Financial Issues Associated with Providing Services in Schools to Children with Swallowing and Feeding Disorders

    ERIC Educational Resources Information Center

    Power-deFur, Lissa; Alley, Nancy S. N.

    2008-01-01

    Purpose: This review of federal statutes and regulations, state and federal administrative and case law, and policy documents is designed to provide information regarding the treatment of children with swallowing and feeding disorders in the law for the purpose of identifying best practice procedures for school personnel serving children with…

  7. Legal, Ethical, and Financial Aspects of Providing Services to Children with Swallowing Disorders in the Public Schools.

    ERIC Educational Resources Information Center

    O'Toole, Thomas J.

    2000-01-01

    This article considers the role of the speech-language pathologist in providing services to children with swallowing disorders in the public school setting. Topics addressed include requirements (or aspects) under various federal laws and regulations, as well as ethical, liability, and funding issues. (Contains references.) (Author/CR)

  8. Effect of provider and patient reminders, deployment of nurse practitioners, and financial incentives on cervical and breast cancer screening rates

    PubMed Central

    Kaczorowski, Janusz; Hearps, Stephen J.C.; Lohfeld, Lynne; Goeree, Ron; Donald, Faith; Burgess, Ken; Sebaldt, Rolf J.

    2013-01-01

    Abstract Objective To evaluate the effect of the Provider and Patient Reminders in Ontario: Multi-Strategy Prevention Tools (P-PROMPT) reminder and recall system and pay-for-performance incentives on the delivery rates of cervical and breast cancer screening in primary care practices in Ontario, with or without deployment of nurse practitioners (NPs). Design Before-and-after comparisons of the time-appropriate delivery rates of cervical and breast cancer screening using the automated and NP–augmented strategies of the P-PROMPT reminder and recall system. Setting Southwestern Ontario. Participants A total of 232 physicians from 24 primary care network or family health network groups across 110 different sites eligible for pay-for-performance incentives. Interventions The P-PROMPT project combined pay-for-performance incentives with provider and patient reminders and deployment of NPs to enhance the delivery of preventive care services. Main outcome measures The mean delivery rates at the practice level of time-appropriate mammograms and Papanicolaou tests completed within the previous 30 months. Results Before-and-after comparisons of time-appropriate delivery rates (< 30 months) of cancer screening showed the rates of Pap tests and mammograms for eligible women significantly increased over a 1-year period by 6.3% (P < .001) and 5.3% (P < .001), respectively. The NP-augmented strategy achieved comparable rate increases to the automated strategy alone in the delivery rates of both services. Conclusion The use of provider and patient reminders and pay-for-performance incentives resulted in increases in the uptake of Pap tests and mammograms among eligible primary care patients over a 1-year period in family practices in Ontario. PMID:23766067

  9. The Role of the Government in Providing Access to Higher Education: The Case of Government-Sponsored Financial Aid in the US

    ERIC Educational Resources Information Center

    Landry, Lynette; Neubauer, Deane

    2016-01-01

    The overall financial structure of US higher education has changed dramatically over the past 30 years, resulting in a significant reduction of public funding. One result of this shift has been the steadily increasing costs of tuition as an increasing portion of the financial structure of higher education is shifted to students. Increased costs to…

  10. 10 CFR Appendix D to Part 30 - Criteria Relating to Use of Financial Tests and Self-Guarantee for Providing Reasonable Assurance...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 10 Energy 1 2012-01-01 2012-01-01 false Criteria Relating to Use of Financial Tests and Self... No Outstanding Rated Bonds D Appendix D to Part 30 Energy NUCLEAR REGULATORY COMMISSION RULES OF... bankrupt or insolvent, or seeking dissolution, liquidation, winding-up, reorganization,...

  11. 10 CFR Appendix E to Part 30 - Criteria Relating to Use of Financial Tests and Self-Guarantee For Providing Reasonable Assurance...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., Universities, and Hospitals E Appendix E to Part 30 Energy NUCLEAR REGULATORY COMMISSION RULES OF GENERAL... Decommissioning by Nonprofit Colleges, Universities, and Hospitals I. Introduction An applicant or licensee may... colleges and universities, to pass the financial test a college or university must meet either the...

  12. 10 CFR Appendix D to Part 30 - Criteria Relating to Use of Financial Tests and Self-Guarantee for Providing Reasonable Assurance...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... No Outstanding Rated Bonds D Appendix D to Part 30 Energy NUCLEAR REGULATORY COMMISSION RULES OF... 10 Energy 1 2013-01-01 2013-01-01 false Criteria Relating to Use of Financial Tests and Self... assets and the net book value of the nuclear facility and site, and total net worth, which may...

  13. 10 CFR Appendix D to Part 30 - Criteria Relating to Use of Financial Tests and Self-Guarantee for Providing Reasonable Assurance...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... No Outstanding Rated Bonds D Appendix D to Part 30 Energy NUCLEAR REGULATORY COMMISSION RULES OF... 10 Energy 1 2014-01-01 2014-01-01 false Criteria Relating to Use of Financial Tests and Self... assets and the net book value of the nuclear facility and site, and total net worth, which may...

  14. Literacy Corps Assistance Act of 1987. Hearing on S. 1016 To Provide Financial Assistance for the Establishment and Operation of Literacy Corps Programs before the Committee on Labor and Human Resources. United States Senate, One Hundredth Congress, First Session.

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. Senate Committee on Labor and Human Resources.

    This document contains a congressional hearing on S.1016, which would provide financial assistance for the establishment and operation of Literacy Corps programs. (The Literacy Corps would enlist college students to tutor in reading and math for 6 hours per week in a 10-week semester). Testimony includes statements and prepared statements from…

  15. S.2270--A Bill To Provide Financial Assistance to States and Localities for High Quality Early Childhood Development Programs for Prekindergarten Children, and for Other Purposes. Senate, 100th Congress, 2d Session.

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. Senate.

    Senate bill S.2270, "Smart Start: The Community Collaborative for Early Childhood Development Act of 1988," is designed to provide financial assistance to states and localities for high quality early childhood development programs for prekindergarten children. The first and second purposes of the act are to make widely available to prekindergarten…

  16. Calculations of financial incentives for providers in a pay-for-performance program: Manual review versus data from structured fields in electronic health records

    PubMed Central

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

    2015-01-01

    Background Hospital report cards and financial incentives linked to performance require clinical data that are reliable, appropriate, timely, and cost-effective to process. Pay-for-performance plans are transitioning to automated electronic health record (EHR) data as an efficient method to generate data needed for these programs. Objective To determine how well data from automated processing of structured EHR fields (AP-EHR) reflect data from manual chart review and the impact of these data on performance rewards. Research Design Cross-sectional analysis of performance measures used in a cluster randomized trial assessing the impact of financial incentives on guideline-recommended care for hypertension. Subjects A total of 2,840 patients with hypertension assigned to participating physicians at 12 Veterans Affairs hospital-based outpatient clinics. Fifty-two physicians and 33 primary care personnel received incentive payments. Measures Overall, positive and negative agreement indices and Cohen's kappa were calculated for assessments of guideline-recommended antihypertensive medication use, blood pressure (BP) control, and appropriate response to uncontrolled BP. Pearson's correlation coefficient was used to assess how similar participants’ calculated earnings were between the data sources. Results By manual chart review data, 72.3% of patients were considered to have received guideline-recommended antihypertensive medications compared to 65.0% by AP-EHR review (k=0.51). Manual review indicated 69.5% of patients had controlled BP compared to 66.8% by AP-EHR review (k=0.87). Compared to 52.2% of patients per the manual review, 39.8% received an appropriate response by AP-EHR review (k=0.28). Participants’ incentive payments calculated using the two methods were highly correlated (r≥0.98). Using the AP-EHR data to calculate earnings, participants’ payment changes ranged from a decrease of $91.00 (−30.3%) to an increase of $18.20 (+7.4%) for medication use

  17. Presenting practice financial information.

    PubMed

    Webster, Lee Ann H

    2007-01-01

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

  18. Presenting practice financial information.

    PubMed

    Webster, Lee Ann H

    2007-01-01

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

  19. 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,…

  20. Medicaid program; cost limit for providers operated by units of government and provisions to ensure the integrity of federal-state financial partnership. Final rule with comment period.

    PubMed

    2007-05-29

    This regulation clarifies that entities involved in the financing of the non-Federal share of Medicaid payments must be a unit of government; clarifies the documentation required to support a Medicaid certified public expenditure; limits Medicaid reimbursement for health care providers that are operated by units of government to an amount that does not exceed the health care provider's cost of providing services to Medicaid individuals; requires all health care providers to receive and retain the full amount of total computable payments for services furnished under the approved Medicaid State plan; and makes conforming changes to provisions governing the State Child Health Insurance Program (SCHIP) to make the same requirements applicable, with the exception of the cost limit on reimbursement. The Medicaid cost limit provision of this regulation does not apply to: Stand-alone SCHIP program payments made to governmentally-operated health care providers; Indian Health Service (IHS) facilities and tribal 638 facilities that are paid at the all-inclusive IHS rate; Medicaid Managed Care Organizations (MCOs), Prepaid Inpatient Health Plans (PIHPs), and Prepaid Ambulatory Health Plans (PAHPs); Federally Qualified Health Centers (FQHCs) and Rural Health Clinics (RHCs). Moreover, disproportionate share hospital (DSH) payments and payments authorized under Section 701(d) and Section 705 of the Benefits Improvement Protection Act of 2000 are not subject to the newly established Medicaid cost limit for governmentally-operated health care providers. Except as noted above, all Medicaid payments and SCHIP payments made under the authority of the State plan and under waiver and demonstration authorities, as well as associated State Medicaid and SCHIP financing arrangements, are subject to all provisions of this regulation. Finally, this regulation solicits comments from the public on issues related to the definition of the Unit of Government.

  1. Perspectives on financial incentives to health service providers for increasing breast feeding and smoking quit rates during pregnancy: a mixed methods study

    PubMed Central

    Hoddinott, Pat; Thomson, Gill; Morgan, Heather; Crossland, Nicola; MacLennan, Graeme; Dykes, Fiona; Stewart, Fiona; Bauld, Linda; Campbell, Marion K

    2015-01-01

    Objective To explore the acceptability, mechanisms and consequences of provider incentives for smoking cessation and breast feeding as part of the Benefits of Incentives for Breastfeeding and Smoking cessation in pregnancy (BIBS) study. Design Cross-sectional survey and qualitative interviews. Setting Scotland and North West England. Participants Early years professionals: 497 survey respondents included 156 doctors; 197 health visitors/maternity staff; 144 other health staff. Qualitative interviews or focus groups were conducted with 68 pregnant/postnatal women/family members; 32 service providers; 22 experts/decision-makers; 63 conference attendees. Methods Early years professionals were surveyed via email about the acceptability of payments to local health services for reaching smoking cessation in pregnancy and breastfeeding targets. Agreement was measured on a 5-point scale using multivariable ordered logit models. A framework approach was used to analyse free-text survey responses and qualitative data. Results Health professional net agreement for provider incentives for smoking cessation targets was 52.9% (263/497); net disagreement was 28.6% (142/497). Health visitors/maternity staff were more likely than doctors to agree: OR 2.35 (95% CI 1.51 to 3.64; p<0.001). Net agreement for provider incentives for breastfeeding targets was 44.1% (219/497) and net disagreement was 38.6% (192/497). Agreement was more likely for women (compared with men): OR 1.81 (1.09 to 3.00; p=0.023) and health visitors/maternity staff (compared with doctors): OR 2.54 (95% CI 1.65 to 3.91; p<0.001). Key emergent themes were ‘moral tensions around acceptability’, ‘need for incentives’, ‘goals’, ‘collective or divisive action’ and ‘monitoring and proof’. While provider incentives can focus action and resources, tensions around the impact on relationships raised concerns. Pressure, burden of proof, gaming, box-ticking bureaucracies and health inequalities were

  2. Financial Literacy Education for Women

    ERIC Educational Resources Information Center

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

    2014-01-01

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

  3. Financial Services Marketing.

    ERIC Educational Resources Information Center

    Olson, Lucretia Maria

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

  4. Erecting a Sturdy Financial Structure.

    ERIC Educational Resources Information Center

    West, Jeffrey J.

    1998-01-01

    Explanation of the technological setting in which college and university financial systems have developed is provided for financial officers, to aid in devising a plan for the chart of accounts and erecting an efficient, logical, flexible financial structure. Topics include software/hardware advances, understanding the demand for financial…

  5. EuroEco (European Health Economic Trial on Home Monitoring in ICD Patients): a provider perspective in five European countries on costs and net financial impact of follow-up with or without remote monitoring

    PubMed Central

    Heidbuchel, Hein; Hindricks, Gerd; Broadhurst, Paul; Van Erven, Lieselot; Fernandez-Lozano, Ignacio; Rivero-Ayerza, Maximo; Malinowski, Klaus; Marek, Andrea; Garrido, Rafael F. Romero; Löscher, Steffen; Beeton, Ian; Garcia, Enrique; Cross, Stephen; Vijgen, Johan; Koivisto, Ulla-Maija; Peinado, Rafael; Smala, Antje; Annemans, Lieven

    2015-01-01

    Aim Remote follow-up (FU) of implantable cardiac defibrillators (ICDs) allows for fewer in-office visits in combination with earlier detection of relevant findings. Its implementation requires investment and reorganization of care. Providers (physicians or hospitals) are unsure about the financial impact. The primary end-point of this randomized prospective multicentre health economic trial was the total FU-related cost for providers, comparing Home Monitoring facilitated FU (HM ON) to regular in-office FU (HM OFF) during the first 2 years after ICD implantation. Also the net financial impact on providers (taking national reimbursement into account) and costs from a healthcare payer perspective were evaluated. Methods and results A total of 312 patients with VVI- or DDD-ICD implants from 17 centres in six EU countries were randomised to HM ON or OFF, of which 303 were eligible for data analysis. For all contacts (in-office, calendar- or alert-triggered web-based review, discussions, calls) time-expenditure was tracked. Country-specific cost parameters were used to convert resource use into monetary values. Remote FU equipment itself was not included in the cost calculations. Given only two patients from Finland (one in each group) a monetary valuation analysis was not performed for Finland. Average age was 62.4 ± 13.1 years, 81% were male, 39% received a DDD system, and 51% had a prophylactic ICD. Resource use with HM ON was clearly different: less FU visits (3.79 ± 1.67 vs. 5.53 ± 2.32; P < 0.001) despite a small increase of unscheduled visits (0.95 ± 1.50 vs. 0.62 ± 1.25; P < 0.005), more non-office-based contacts (1.95 ± 3.29 vs. 1.01 ± 2.64; P < 0.001), more Internet sessions (11.02 ± 15.28 vs. 0.06 ± 0.31; P < 0.001) and more in-clinic discussions (1.84 ± 4.20 vs. 1.28 ± 2.92; P < 0.03), but with numerically fewer hospitalizations (0.67 ± 1.18 vs. 0.85 ± 1.43, P = 0.23) and shorter length-of-stay (6.31 ± 15.5 vs. 8.26 ± 18.6; P = 0.27), although

  6. Financial Literacy, Financial Education, and Economic Outcomes

    ERIC Educational Resources Information Center

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

    2013-01-01

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

  7. 25 CFR 700.455 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  8. Financial Opportunities

    SciTech Connect

    2012-01-19

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

  9. Financial Assistance

    MedlinePlus

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

  10. 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.

  11. Empowering Physicians with Financial Literacy.

    PubMed

    Bar-Or, Yuval

    2015-01-01

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

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

    PubMed

    Dalsted, N L

    1995-07-01

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

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

    PubMed

    Dalsted, N L

    1995-07-01

    Financial management has emerged as a critical component in the long-term viability of today's ranches and farms. Proper and timely financial reporting and analysis of financial statements are valuable tools that agricultural producers can use to monitor, coordinate, and plan their operational production and marketing schemes and strategies. A side note to preparation of financial statements. With the concerns over lender liability issues associated with statements either assisted with or prepared by a lending officer, agricultural producers will be responsible for preparing their own statements. The lending institutions may prepare their own statements in their assessment of the financial condition of a business and or individual, but, ultimately, the responsibility of financial statements is the borrower's. Some of the material presented in this article provides important input for use in such analytical programs as the National Cattlemen's Association, Integrated Resource Committees, and Standard Performance Analysis (SPA). SPA techniques and associated software have been or currently are under development for cow-calf, stocker, seedstock, and sheep enterprises. Critical to the analysis is having complete and correct financial statements. These analytical programs build on the financial statements. These analytical programs build on the financial statements as recommended by the FFSTF. Proper financial reporting is critical not only to a SPA assessment but also to the overall financial management of today's farms and ranches. Recognizing the importance of financial management in production agriculture is not enough, taking a proactive stance in one's financial plan is paramount to success. Failure to do so will only enhance the exit rates of producers from production agriculture. PMID:7584816

  14. 17 CFR 229.914 - (Item 914) Pro forma financial statements: selected financial data.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false (Item 914) Pro forma financial... Transactions § 229.914 (Item 914) Pro forma financial statements: selected financial data. (a) In addition to... transaction. (b) Provide pro forma financial information (including oil and gas reserves and cash...

  15. Manual for Student Financial Aids.

    ERIC Educational Resources Information Center

    MacDonald, Douglas S.

    This manual was designed to provide structural guidelines for financial aid program operations and administration at the Community College of Baltimore. Topics discussed include: the philosophy of student aid at an open door college; the objectives of the student financial aid office; staff development and administrative improvement; organization,…

  16. Financial Resources for Disabled Individuals.

    ERIC Educational Resources Information Center

    Institute for Information Studies, Falls Church, VA.

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

  17. Certification of Financial Aid Administrators

    ERIC Educational Resources Information Center

    Peterson, Stacey A.

    2011-01-01

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

  18. Financial Management Assistant.

    ERIC Educational Resources Information Center

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

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

  19. Coping with Financial Distress

    ERIC Educational Resources Information Center

    Chabotar, Kent John

    2007-01-01

    Colleges and universities, like corporations and other nonprofit organizations, are subject to periodic fluctuations in the economy and public support. Thus, the question is not whether they will confront financial problems but rather when and how. This article describes how institutions and boards can detect budgets in crisis, provides principles…

  20. Financial Analysis

    NASA Astrophysics Data System (ADS)

    Haimovitch, Larry

    1988-09-01

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

  1. Education for All Handicapped Children, 1973-74, Part 1. Hearings Before the Subcommittee on the Handicapped of the Committee on Labor and Public Welfare, United States Senate, Ninety-Third Congress, First Session of S. 6 to Provide Financial Assistance to the States for Improved Educational Services for Handicapped Children.

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. Senate Committee on Labor and Public Welfare.

    Presented are the complete texts of two public hearings (April 9 and May 7, 1973) before the Subcommittee on the Handicapped (of the Senate Committee on Labor and Public Welfare), considering Senate Bill 6, a bill to provide financial assistance to the states for improved educational services for handicapped children. Included is the test of the…

  2. Understanding Financial Statements. Financial Matters. Board Basics.

    ERIC Educational Resources Information Center

    McCarthy, John H.; Turner, Robert M.

    1998-01-01

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

  3. 49 CFR 18.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Financial reporting. 18.41 Section 18.41... Enforcement § 18.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a) (2) and (5) of...) Submitting financial reports to Federal agencies, or (ii) Requesting advances or reimbursements when...

  4. 7 CFR 3016.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Financial reporting. 3016.41 Section 3016.41 Agriculture Regulations of the Department of Agriculture (Continued) OFFICE OF THE CHIEF FINANCIAL OFFICER... Financial reporting. (a) General. (1) Except as provided in paragraphs (a) (2) and (5) of this...

  5. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... system must provide accurate, current, and complete disclosure of the financial status of the program... 7 Agriculture 4 2011-01-01 2011-01-01 false Financial management. 247.27 Section 247.27... AGRICULTURE CHILD NUTRITION PROGRAMS COMMODITY SUPPLEMENTAL FOOD PROGRAM § 247.27 Financial management....

  6. Illiteracy, Financial Services and Social Exclusion.

    ERIC Educational Resources Information Center

    Hajaj, Khaldoun

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

  7. Financial Reporting for Alabama Public Universities.

    ERIC Educational Resources Information Center

    Alabama State Commission on Higher Education, Montgomery.

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

  8. Transmittal Letters: Communicating the Financial Picture.

    ERIC Educational Resources Information Center

    Piotrowski, Craig L.

    1987-01-01

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

  9. 45 CFR 1183.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 3 2010-10-01 2010-10-01 false Financial reporting. 1183.41 Section 1183.41... Enforcement § 1183.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a)(2) and (5) of...) Submitting financial reports to Federal agencies, or (ii) Requesting advances or reimbursements when...

  10. 34 CFR 80.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 1 2010-07-01 2010-07-01 false Financial reporting. 80.41 Section 80.41 Education... Enforcement § 80.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a) (2) and (5) of...) Submitting financial reports to Federal agencies, or (ii) Requesting advances or reimbursements when...

  11. 45 CFR 2555.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  12. 10 CFR 1042.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  13. 45 CFR 1174.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 3 2010-10-01 2010-10-01 false Financial reporting. 1174.41 Section 1174.41... Enforcement § 1174.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a) (2) and (5...) Submitting financial reports to Federal agencies, or (ii) Requesting advances or reimbursements when...

  14. 10 CFR 600.241 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  15. 45 CFR 1157.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 3 2010-10-01 2010-10-01 false Financial reporting. 1157.41 Section 1157.41... Enforcement § 1157.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a) (2) and (5...) Submitting financial reports to Federal agencies, or (ii) Requesting advances or reimbursements when...

  16. 24 CFR 85.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  17. 22 CFR 135.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Financial reporting. 135.41 Section 135.41... Enforcement § 135.41 Financial reporting. (a) General. (1) Except as provided in paragraphs (a) (2) and (5) of...) Submitting financial reports to Federal agencies, or (ii) Requesting advances or reimbursements when...

  18. 10 CFR 5.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  19. 28 CFR 66.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  20. 34 CFR 668.172 - Financial ratios.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Financial ratios. 668.172 Section 668.172 Education..., DEPARTMENT OF EDUCATION STUDENT ASSISTANCE GENERAL PROVISIONS Financial Responsibility § 668.172 Financial ratios. (a) Appendices A and B, ratio methodology. As provided under appendices A and B to this...

  1. Financial audit

    SciTech Connect

    Not Available

    1992-01-01

    The Trans-Alaska Pipeline Liability Fund, a nonprofit corporate entity created in 1973, pays claims for damages, including cleanup costs, arising from oil discharges from vessel transporting Trans-Alaska Pipeline System oil loaded at Alaskan terminals to ports under U.S. jurisdiction. This paper presents the results of GAO's view of the independent certified public accountants' audit of the Fund's financial statements as of December 31, 1990. GAO also assesses progress toward disposing of the Fund's balances and terminating the Fund.

  2. Financial Implications of Curriculum Range.

    ERIC Educational Resources Information Center

    Harrold, Ross

    1978-01-01

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

  3. Financial, operational issues entangle Medicaid managed care.

    PubMed

    Kalkhof, C J

    1992-08-01

    Federal and state governments may soon require provision of managed care to the Medicaid eligible segment of the community. HMO financial managers must develop financial and operational plans prior to entering into negotiations for the development of a contract with a state. Key financial and operational issues related to Medicaid aid categories, contracting with providers, general administration, and product design must be addressed to minimize financial risk.

  4. Parental Financial Support and the Financial and Family Problems of College Freshmen

    ERIC Educational Resources Information Center

    Bunnett, Nancy Hubbell

    1975-01-01

    Freshmen completed the Mooney Problem Check List and reported how much financial support their parents provided. The relationship between parents' support and finances, living conditions, and employment problems was highly significant, with women reporting more financial problems than men. (Author)

  5. Managing financial risk with options on futures.

    PubMed

    Bond, M T; Marshall, B S

    1995-05-01

    With the rise of managed care and capitation, more providers will be sharing in the financial risk of providing care. To help protect their organizations from the risk of unexpectedly high utilization under such a fixed-payment system, healthcare financial managers soon will be able to use options on futures contracts. These contracts provide wide profit potential but limited loss potential. Before investing in options on futures, however, healthcare financial managers should consider issues such as basis risk and trading costs.

  6. 25 CFR Appendix B to Part 276 - Financial Reporting Requirements

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... authorized for obtaining financial information from grantees for grant programs: a. Financial Status Report. (1) The Bureau shall require grantees to use a standard Financial Status Report to report the status... to provide adequate information to meet their needs, except that a final Financial Status...

  7. 47 CFR 3.24 - Evidence of financial responsibility.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Procedures § 3.24 Evidence of financial responsibility. All applicants must provide evidence of sound financial status. To the extent that the applicant is a business, formal financial statements will be... 47 Telecommunication 1 2011-10-01 2011-10-01 false Evidence of financial responsibility....

  8. 10 CFR 600.121 - Standards for financial management systems.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Standards for financial management systems. 600.121... financial management systems. (a) Recipients shall relate financial data to performance data and develop....121(f) and 600.181, recipients' financial management systems shall provide for the following:...

  9. 7 CFR 3019.21 - Standards for financial management systems.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  10. 2 CFR 215.21 - Standards for financial management systems.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  11. 29 CFR 95.21 - Standards for financial management systems.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

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

    ERIC Educational Resources Information Center

    College Entrance Examination Board, New York, NY.

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

  13. 29 CFR 403.2 - Annual financial report.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 2 2010-07-01 2010-07-01 false Annual financial report. 403.2 Section 403.2 Labor... STANDARDS LABOR ORGANIZATION ANNUAL FINANCIAL REPORTS § 403.2 Annual financial report. (a) Every labor... its annual financial report filed as provided in paragraph (a) of this section, in such detail as...

  14. Financial Reporting under GASB Statement No. 34 and ASBO International Certificate of Excellence Financial Reporting.

    ERIC Educational Resources Information Center

    Heinfeld, Gary

    This guide presents a financial model that affects all governmental entities that issue financial statements in conformity with Generally Accepted Accounting Principles (GAAP). The model was prepared to provide school business officials specific examples of school system financial-statement presentations. The guide is divided into six chapters.…

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

    ERIC Educational Resources Information Center

    US Financial Literacy and Education Commission, 2011

    2011-01-01

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

  16. Financial Well-being in Active Ageing.

    PubMed

    Rajola, Federico; Frigerio, Chiara; Parrichi, Monica

    2014-01-01

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

  17. Financial Well-being in Active Ageing.

    PubMed

    Rajola, Federico; Frigerio, Chiara; Parrichi, Monica

    2014-01-01

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

  18. Library of Michigan: Financial Management Reference Guide.

    ERIC Educational Resources Information Center

    Michigan Library, Lansing.

    Developed to provide library directors, staff, and board members with information for performing accounting and financial management functions, this guide answers frequently asked questions, describes common practices and processes, provides examples and suggested formats for selected financial reports, and identifies issues that may require…

  19. 38 CFR 61.66 - Financial management.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2012-07-01 2012-07-01 false Financial management. 61...) VA HOMELESS PROVIDERS GRANT AND PER DIEM PROGRAM § 61.66 Financial management. (a) All recipients... management system that follows generally accepted accounting principals and provides accounting...

  20. 38 CFR 61.66 - Financial management.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2011-07-01 2011-07-01 false Financial management. 61...) VA HOMELESS PROVIDERS GRANT AND PER DIEM PROGRAM § 61.66 Financial management. (a) All recipients... management system that follows generally accepted accounting principals and provides accounting...

  1. 38 CFR 61.66 - Financial management.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  2. Down the Financial Drain: A College Mental Health Program Provided through an On-Campus Psychological Services Center by a Clinical Psychologist and Four Doctoral Psychology Interns Goes "Down the Drain."

    ERIC Educational Resources Information Center

    Workman, John F.; Kester, Donald L.

    Los Angeles Valley College's mental health program provided services at no cost to enrolled students in the areas of crisis counseling, short- and long-term individual treatment, group therapy, consultation, and referral. The program was funded through the college and the associated student body at a cost of $7,500 per year. After several…

  3. Financial Responsibilities. Financial Matters. Board Basics.

    ERIC Educational Resources Information Center

    Burlock, Tracy J.; Chabotar, Kent John

    1998-01-01

    This booklet for trustees of institutions of higher education offers guidelines to enable trustees to fulfill their fundamental responsibility of ensuring the financial health of the institution. Introductory sections address: challenges of the financial environment in which trustees must make decisions; specific responsibilities of the…

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

    PubMed

    Lichtenberg, Peter A

    2016-01-01

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

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

    PubMed

    Lichtenberg, Peter A

    2016-01-01

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

  6. Raising household saving: does financial education work?

    PubMed

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

    2012-01-01

    This article highlights the prevalence and economic outcomes of financial illiteracy among American households, and reviews previous research that examines how improving financial literacy affects household saving. Analysis of the research literature suggests that previous financial literacy efforts have yielded mixed results. Evidence suggests that interventions provided for employees in the workplace have helped increase household saving, but estimates of the magnitude of the impact vary widely. For financial education initiatives targeted to other groups, the evidence is much more ambiguous, suggesting a need for more econometrically rigorous evaluations.

  7. Teaching Middle-Grades Mathematics through Financial Literacy

    ERIC Educational Resources Information Center

    Crawford-Ferre, Heather Glynn; Wiest, Lynda R.; Vega, Stephanie

    2016-01-01

    Because financial literacy is an important skill for middle-grades students, this article suggests numerous personal financial literacy tasks for use in the mathematics classroom. Also provided are specifics for implementing one of these tasks to address mathematical content.

  8. The Role of the Home Economist as a Financial Counsellor in Transition Shelters.

    ERIC Educational Resources Information Center

    Quackenbush, Romy

    1991-01-01

    The role of the home economist as a financial counselor is essential to providing victims of wife abuse with a means of financial stability. The counselor can assist the victim with everything from financial stability to budgeting. (Author)

  9. Perception vs. reality: The relationship between low-income homeownership, perceived financial stress, and financial hardship.

    PubMed

    Manturuk, Kim; Riley, Sarah; Ratcliffe, Janneke

    2012-03-01

    This research examines how homeowners and renters were impacted by the financial crisis in 2009. We build from the hypothesis that homeownership provides people a sense of stability which decreases the extent to which they feel stressed as a result of financial hardship. Our study tests whether owning a home affected either the degree to which lower-income households experienced financial hardship or the extent to which they perceived they were financially stressed. Using a sample of lower-income borrowers who obtained affordable mortgages through the Community Advantage Program (CAP) and a comparison panel of renters, we collected data on the effects of the financial crisis. From a portfolio performance standpoint, CAP loans have performed relatively well. Our analysis of the survey data finds that, although both renters and owners experienced similar levels of financial hardship, the homeowners were less psychologically stressed overall and reported feeling more satisfied with their financial situation.

  10. Financial Aid Applicants: Dependent Students. Research Report.

    ERIC Educational Resources Information Center

    Northern Virginia Community Coll., Annandale. Office of Institutional Research.

    The Office of Institutional Research (OIR) at Northern Virginia Community College (NVCC) conducts analytical studies and provides information in support of institutional planning, policy formation, and decision making. This OIR report, prepared in conjunction with the Financial Aid Office, analyzes dependent students who applied for financial aid…

  11. 45 CFR 618.430 - Financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 618.430 Financial assistance... assistance to any of its students, a recipient shall not: (1) On the basis of sex, provide different...

  12. 14 CFR 1253.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1253.430 Financial assistance. (a... to any of its students, a recipient shall not: (1) On the basis of sex, provide different amounts...

  13. 45 CFR 86.37 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 86.37 Financial assistance. (a) General... its students, a recipient shall not: (1) On the basis of sex, provide different amount or types...

  14. Financial Aid Handbook for High School Counselors.

    ERIC Educational Resources Information Center

    Oregon State Scholarship Commission, Eugene.

    This booklet is intended to supply high school counselors in Oregon with information and forms that will aid in helping high school students obtain financial aid for higher education. It is divided into three parts. The first section, "About Student Financial Aid," provides information on how and when to apply and what happens after the…

  15. Salary Levels for Chief Financial Aid Administrators.

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

    2002-01-01

    Provides information on the median annual salary levels for chief financial aid administrators in 1999-2000 based on results from the Survey of Undergraduate Financial Aid Policies, Practices, and Procedures. Findings indicate that men still have higher salaries than women. (EV)

  16. What is Good University Financial Management?

    ERIC Educational Resources Information Center

    Taylor, Mark P.

    2013-01-01

    In the current and foreseeable harsh UK higher education environment, aspiring to best-practice financial management will be key to ensuring the prosperity--and indeed the survival--of any university. In this article I argue that good university financial management should provide stability to the institution, allow for investment as well as…

  17. 43 CFR 41.430 - Financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 41.430 Financial assistance. (a) General... its students, a recipient shall not: (1) On the basis of sex, provide different amounts or types...

  18. Stepfamily Education and Changes in Financial Practices

    ERIC Educational Resources Information Center

    Higginbotham, Brian J.; Tulane, Sarah; Skogrand, Linda

    2012-01-01

    This study examined the financial management practices of 62 participants in "Smart Steps" stepfamily education courses 1 year following their course completion. Qualitative interviews revealed 29 participants changed their financial practices as a result of the course, 29 did not change, and 4 provided unclear responses. Common reasons for no…

  19. 7 CFR 1421.404 - Financial security.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 10 2011-01-01 2011-01-01 false Financial security. 1421.404 Section 1421.404... Associations for Peanuts § 1421.404 Financial security. In order to be approved to handle loans and loan deficiency payments, the DMA must: (a) Have a current net worth ratio of at least 1:1. (b) Provide...

  20. Financial Activity & Condition Taxpayer Summary, 1999.

    ERIC Educational Resources Information Center

    Piotrowski, Craig

    Provides a concise report on the financial position and operations of Waukesha County Technical College (WCTC) in Wisconsin for the fiscal year ended June 30, 1999. Contains the following items: the 1999 Financial Activity and Condition Taxpayer Summary report; a message from WCTC Board Members; a list of the WCTC Board Members; the President's…

  1. 14 CFR 1240.113 - Financial accounting.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 14 Aeronautics and Space 5 2013-01-01 2013-01-01 false Financial accounting. 1240.113 Section 1240.113 Aeronautics and Space NATIONAL AERONAUTICS AND SPACE ADMINISTRATION INVENTIONS AND CONTRIBUTIONS Awards for Scientific and Technical Contributions § 1240.113 Financial accounting. NASA shall provide...

  2. 43 CFR 41.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 41.430 Financial assistance. (a) General... its students, a recipient shall not: (1) On the basis of sex, provide different amounts or types...

  3. 45 CFR 86.37 - Financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 86.37 Financial assistance. (a) General... its students, a recipient shall not: (1) On the basis of sex, provide different amount or types...

  4. Women's Caregiving Careers and Retirement Financial Insecurity

    ERIC Educational Resources Information Center

    Orel, Nancy A.; Landry-Meyer, Laura; Spence, Maria A. S.

    2007-01-01

    Providing the essential care for children and aged relatives has immediate and long-term financial consequences for women, particularly financial insecurity in retirement. Women's caregiving careers are examined in relationship to the impact on retirement. The need for career and retirement education and counseling aimed at women who assume…

  5. Financial statistics of selected electric utilities, 1988

    SciTech Connect

    Not Available

    1990-02-28

    The Financial Statistics of Selected Electric Utilities publication presents summary and detailed financial accounting data on the electric utility industry. The objective of the publication is to provide the Federal and State governments, industry, and the general public with current and historical data that can be used for policymaking and decisionmaking purposes relating to electric utility issues.

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

    ERIC Educational Resources Information Center

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

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

  7. The Importance of Financial Education Today

    ERIC Educational Resources Information Center

    Greenspan, Alan

    2005-01-01

    Today's financial world is highly complex as compared with that of a generation ago. Twenty-five years ago, knowing how to maintain a checking and savings account at a local financial institution was sufficient for many Americans. Today's consumers, however, must be able to differentiate among a wide range of products, services, and providers of…

  8. Financial Education for Children: The Israeli Case

    ERIC Educational Resources Information Center

    Bendavid-Hadar, Iris; Hadad, Yaniv

    2013-01-01

    This article focuses on the financial education of children. Education is a key factor in achieving economic development and socio-economic equality. Financial education can provide children with some of the additional knowledge and skills required to this end. Second and third grade Israeli students (n = 121), enrolled in three differently…

  9. Financial Advice: Who Pays

    ERIC Educational Resources Information Center

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

    2011-01-01

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

  10. Invest in Financial Literacy

    ERIC Educational Resources Information Center

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

    2012-01-01

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

  11. Providers issue brief: alternative providers.

    PubMed

    Rothouse, M

    1999-06-29

    Access by managed care plan enrollees, scope of practice issues and fee reimbursement by Medicaid and third parties such as insurance carriers is the engine that drives legislation recognizing alternative health care providers--chiropractors, acupuncturists, physical therapists, naturopaths, massage therapists, homeopaths, and dietitians and nutritionists. PMID:11073386

  12. Your Audit and Financial Controls.

    ERIC Educational Resources Information Center

    Hatch, Mary B.; And Others

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

  13. Technology assessment of aquaculture systems for municipal waste water treatment

    SciTech Connect

    Hyde, H.C.; Ross, R.S.; Sturmer, L.

    1984-08-01

    The innovative and alternative technology provisions of the Clean Water Act of 1977 (PL 95-217) provide financial incentives to communities that use wastewater treatment alternatives to reduce costs or energy consumption over conventional systems. Some of these technologies have been only recently developed and are not in widespread use in the United States. This document discusses the applicability and technical and economic feasibility of using aquaculture systems for municipal wastewater treatment facilities.

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

    ERIC Educational Resources Information Center

    Martin, Charles L., Jr.

    2007-01-01

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

  15. 43 CFR 12.921 - Standards for financial management systems.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 43 Public Lands: Interior 1 2010-10-01 2010-10-01 false Standards for financial management systems... Organizations Post-Award Requirements § 12.921 Standards for financial management systems. (a) Federal awarding... information whenever practical. (b) Recipients' financial management systems shall provide for the...

  16. 24 CFR 84.21 - Standards for financial management systems.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  17. 7 CFR 246.13 - Financial management system.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 4 2010-01-01 2010-01-01 false Financial management system. 246.13 Section 246.13... State Agency Provisions § 246.13 Financial management system. (a) Disclosure of expenditures. The State agency shall maintain a financial management system which provides accurate, current and...

  18. 49 CFR 19.21 - Standards for financial management systems.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Standards for financial management systems. 19.21... ORGANIZATIONS Post-Award Requirements § 19.21 Standards for financial management systems. (a) Federal awarding... information whenever practical. (b) Recipients' financial management systems shall provide for the...

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

    ERIC Educational Resources Information Center

    Hathaway, Ian; Khatiwada, Sameer

    2008-01-01

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

  20. 42 CFR 441.484 - Financial management services.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  1. 42 CFR 441.484 - Financial management services.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 4 2013-10-01 2013-10-01 false Financial management services. 441.484 Section 441... Optional Self-Directed Personal Assistance Services Program § 441.484 Financial management services. (a) States may choose to provide financial management services to participants, or their representatives,...

  2. 42 CFR 441.484 - Financial management services.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 4 2014-10-01 2014-10-01 false Financial management services. 441.484 Section 441... Optional Self-Directed Personal Assistance Services Program § 441.484 Financial management services. (a) States may choose to provide financial management services to participants, or their representatives,...

  3. 42 CFR 441.484 - Financial management services.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 4 2012-10-01 2012-10-01 false Financial management services. 441.484 Section 441... Optional Self-Directed Personal Assistance Services Program § 441.484 Financial management services. (a) States may choose to provide financial management services to participants, or their representatives,...

  4. Optimal Financial Aid Policies for a Selective University.

    ERIC Educational Resources Information Center

    Ehrenberg, Ronald G.; Sherman, Daniel R.

    1984-01-01

    This paper provides a model of optimal financial aid policies for a selective university. The model implies that the financial aid package to be offered to each category of admitted applicants depends on the elasticity of the fraction who accept offers of admission with respect to the financial aid package offered them. (Author/SSH)

  5. Why a Letter of Transmittal Should Accompany Annual Financial Reports.

    ERIC Educational Resources Information Center

    Phipps, Bill W.

    1986-01-01

    Explains the importance of comprehensive annual financial reports, including introductory, financial, and statistical sections. Advises school districts to pay special attention to the letter of transmittal, which should provide information on services, financial highlights, economic forecasting, accounting principles used, and other pertinent…

  6. 7 CFR 1775.21 - Audit or financial statements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... grantee's fiscal year. Additional audits may be required if the project period covers more than one fiscal... 7 Agriculture 12 2011-01-01 2011-01-01 false Audit or financial statements. 1775.21 Section 1775... Audit or financial statements. The grantee will provide an audit report or financial statements...

  7. Financial incentives and weight control.

    PubMed

    Jeffery, Robert W

    2012-11-01

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

  8. Financial incentives and weight control.

    PubMed

    Jeffery, Robert W

    2012-11-01

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

  9. Managing the Financial Risks of Water Scarcity

    NASA Astrophysics Data System (ADS)

    Characklis, Greg; Foster, Ben; Kern, Jordan; Meyer, Eliot; Zeff, Harrison

    2015-04-01

    Environmental uncertainty poses a growing number of financial risks to society, with droughts, floods, extreme temperatures and violent storms imposing costs that approach 500 billion per year. While structural forms of mitigation (i.e. levees, dams) will certainly play a role in limiting financial impacts, these are large investments whose full value is only rarely realized. Furthermore, the value of such long-lived measures becomes increasingly uncertain in a changing climate, raising the issue of whether they will be effective 20-30 years hence. Financial instruments, such as index insurance, can provide increased flexibility by providing compensation for losses only when they occur, and limited contract periods allow terms to be periodically rewritten in response to changing conditions. Financial instruments can also be effectively combined with other economic tools and infrastructure to create integrated solutions in which infrastructure mitigates losses from moderate events, while financial products compensate for more rare, but extreme, events. There is a long history of environmentally-related insurance and hedging instruments, but to date the actuarial analyses that underlie contract structure and pricing have been based on straightforward observations, such as cumulative rainfall. More recently, simple correlations between two time series have been used to develop index-based contracts. Links between temperature and electricity demand, for example, provide a basis for contracts that are used to limit the financial exposure of power generators to low revenues during unseasonably warm winters or cool summers. Unfortunately, few environmental risks can be so quickly and easily linked to a financial impact. However, with a more advanced understanding of the environmental systems that give rise to financial losses, opportunities exist to develop innovative contracts for a range of new applications. Recent research describes the characterization and mitigation

  10. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... may engage in a transaction involving a financial derivative if your charter or applicable State law..., provide for periodic reporting to the board of directors and management, segregation of duties,...

  11. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... may engage in a transaction involving a financial derivative if your charter or applicable State law..., provide for periodic reporting to the board of directors and management, segregation of duties,...

  12. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... may engage in a transaction involving a financial derivative if your charter or applicable State law..., provide for periodic reporting to the board of directors and management, segregation of duties,...

  13. 42 CFR 422.354 - Requirements for affiliated providers.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... provider is part of a lawful combination under which each shares substantial financial risk in connection..., directly or indirectly, substantial financial risk for the furnishing of services the PSO is obligated to... financial interest in the PSO. (d) For purposes of paragraph(a)(1) of this section, control is presumed...

  14. Missouri Extension Provides Tax Assistance to Rural Families

    ERIC Educational Resources Information Center

    Huston, Sandra J.; Procter, Brenda

    2006-01-01

    Financial education is one pathway to improving the human condition. Family financial educators in University Extension programs lead in their efforts to provide individuals and families with the skills they need to manage their financial resources effectively. Offering these opportunities at a time when families have money to manage is a key…

  15. Consolidated financial statements for fiscal year 1996

    SciTech Connect

    1997-02-01

    The following overview and accompanying audited financial statements have been prepared for Fiscal Year (FY) 1996 to report the financial position and the results of operations of the Department of Energy. These statements include the consolidated Statement of Financial Position and the consolidated Statement of Operations and Changes in Net Position. The statements have been prepared in accordance with the Office of Management and Budget Bulletin No. 94-01, Form and Content for Agency Financial Statements, and were developed in accordance with the hierarchy of accounting standards described therein. The overview provides a narrative on the Department of Energy`s mission, activities, and accomplishments. Utilizing performance measures as the primary vehicle for communicating Departmental accomplishments and results, this overview discusses the most significant measures while others are discussed in the supplemental information to the financial statements.

  16. Financial debt of orthopedic residents.

    PubMed

    Hwang, John S; Beebe, Kathleen S; Benevenia, Joseph; Karanfilian, Briette; Berberian, Wayne S

    2012-04-01

    Many orthopedic residents accrue considerable debt by residency graduation. These debts for graduating medical students continue to increase due to the yearly increase of medical school tuition. The purpose of this study was to examine the causes of financial debt, as well the effects of debt on orthopedic residents.Orthopedic residents from postgraduate years 1 to 5 (N=27) completed an anonymous, optional financial survey. The survey asked questions regarding the characteristics of the residents' debt and their concern caused by their debt. All residents from our institute (N=27) voluntarily participated in the survey. The residents consisted of 4 (15%) women and 23 (85%) men, with 14 (56%) single residents and 12 (44%) married residents. No statistically significant difference existed in total debt >$100,000 between single and married residents or men and women. Forty-eight percent (n=13) of the residents had medical educational debt >$100,000, whereas 45% (n=12) had total debt >$200,000. Residents with total debt >$100,000 were concerned about their debt, whereas 1 of 4 residents with <$100,000 of total debt reported concern (P<.001).Debts affect orthopedic residents financially and may cause stress and hinder their medical training. Appropriate measures should be taken to help residents properly manage their debt and to provide supplemental assistance with their financial struggles. PMID:22495858

  17. Financial debt of orthopedic residents.

    PubMed

    Hwang, John S; Beebe, Kathleen S; Benevenia, Joseph; Karanfilian, Briette; Berberian, Wayne S

    2012-04-01

    Many orthopedic residents accrue considerable debt by residency graduation. These debts for graduating medical students continue to increase due to the yearly increase of medical school tuition. The purpose of this study was to examine the causes of financial debt, as well the effects of debt on orthopedic residents.Orthopedic residents from postgraduate years 1 to 5 (N=27) completed an anonymous, optional financial survey. The survey asked questions regarding the characteristics of the residents' debt and their concern caused by their debt. All residents from our institute (N=27) voluntarily participated in the survey. The residents consisted of 4 (15%) women and 23 (85%) men, with 14 (56%) single residents and 12 (44%) married residents. No statistically significant difference existed in total debt >$100,000 between single and married residents or men and women. Forty-eight percent (n=13) of the residents had medical educational debt >$100,000, whereas 45% (n=12) had total debt >$200,000. Residents with total debt >$100,000 were concerned about their debt, whereas 1 of 4 residents with <$100,000 of total debt reported concern (P<.001).Debts affect orthopedic residents financially and may cause stress and hinder their medical training. Appropriate measures should be taken to help residents properly manage their debt and to provide supplemental assistance with their financial struggles.

  18. Financial tips for PPS success.

    PubMed

    2001-11-01

    The National Association for Home Care asked several home care financial experts to set out their recommendations for success under prospective payment system (PPS) based upon first-year experiences. Many of the recommendations provided are consistent among all the experts in such areas as cash flow, revenue recognition, timely and accurate billing, and information technology. These recommendations can help guide home health agencies into the second year of the Medicare home health PPS.

  19. Financial tips for PPS success.

    PubMed

    2001-11-01

    The National Association for Home Care asked several home care financial experts to set out their recommendations for success under prospective payment system (PPS) based upon first-year experiences. Many of the recommendations provided are consistent among all the experts in such areas as cash flow, revenue recognition, timely and accurate billing, and information technology. These recommendations can help guide home health agencies into the second year of the Medicare home health PPS. PMID:11688417

  20. Be Vigilant on Financial Statements.

    ERIC Educational Resources Information Center

    Freed, DeBow

    2002-01-01

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

  1. Financial characteristics of hospitals purchased by investor-owned chains.

    PubMed Central

    McCue, M J; Furst, R W

    1986-01-01

    This article focuses on the preacquisition financial condition of not-for-profit hospitals acquired by investor-owned hospital chains. Financial ratios are used to determine if not-for-profit hospitals acquired by investor-owned hospital systems have common financial characteristics which make them a likely target for a takeover. The results indicate that during the time period studied, investor-owned hospital systems did tend to purchase hospitals with common financial characteristics and that these characteristics provide a reasonable description of a financially distressed hospital. This finding has important consequences for our health care delivery system. PMID:3771232

  2. Financial characteristics of hospitals purchased by investor-owned chains.

    PubMed

    McCue, M J; Furst, R W

    1986-10-01

    This article focuses on the preacquisition financial condition of not-for-profit hospitals acquired by investor-owned hospital chains. Financial ratios are used to determine if not-for-profit hospitals acquired by investor-owned hospital systems have common financial characteristics which make them a likely target for a takeover. The results indicate that during the time period studied, investor-owned hospital systems did tend to purchase hospitals with common financial characteristics and that these characteristics provide a reasonable description of a financially distressed hospital. This finding has important consequences for our health care delivery system.

  3. 77 FR 65097 - Reimbursement to Financial Institutions for Providing Financial Records; Recordkeeping...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-10-25

    ... CFR part 103, rather than restating the requirements in full.\\4\\ \\3\\ 60 FR 220 (Jan. 3, 1995). \\4\\ 60 FR 232 (Jan. 3, 1995). In October 2010, FinCEN moved the BSA regulations, including those... compliance with the BSA and associated regulations. Treasury Order 180-01 (Sept. 26, 2002). \\6\\ 75 FR...

  4. 17 CFR 210.12-04 - Condensed financial information of registrant.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Condensed financial... § 210.12-04 Condensed financial information of registrant. (a) Provide condensed financial information... financial information required need not be presented in greater detail than is required for...

  5. 17 CFR 210.12-04 - Condensed financial information of registrant.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false Condensed financial... POLICY AND CONSERVATION ACT OF 1975 Form and Content of Schedules § 210.12-04 Condensed financial information of registrant. (a) Provide condensed financial information as to financial position, cash...

  6. 17 CFR 210.12-04 - Condensed financial information of registrant.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Condensed financial... POLICY AND CONSERVATION ACT OF 1975 Form and Content of Schedules § 210.12-04 Condensed financial information of registrant. (a) Provide condensed financial information as to financial position, cash...

  7. 17 CFR 210.12-04 - Condensed financial information of registrant.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Condensed financial... POLICY AND CONSERVATION ACT OF 1975 Form and Content of Schedules § 210.12-04 Condensed financial information of registrant. (a) Provide condensed financial information as to financial position, cash...

  8. 25 CFR 276.7 - Standards for grantee financial management systems.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 25 Indians 1 2013-04-01 2013-04-01 false Standards for grantee financial management systems. 276.7... grantee financial management systems. (a) Grantee financial management systems for grants and subgrantee financial management systems for subgrants shall provide for: (1) Accurate, current, and complete...

  9. A Self-Instructional Course in Student Financial Aid Administration. Module 9: Award Packaging. Second Edition.

    ERIC Educational Resources Information Center

    Washington Consulting Group, Inc., Washington, DC.

    With the ninth module in a 17-module self-instructional course on student financial aid administration, novice financial aid administrators are taught about financial aid award packaging. A fundamental understanding of management of federal financial aid programs authorized by Title IV of the Higher Education act is provided. After completing the…

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

    ERIC Educational Resources Information Center

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

    2011-01-01

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

  11. 25 CFR 276.7 - Standards for grantee financial management systems.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Standards for grantee financial management systems. 276.7... grantee financial management systems. (a) Grantee financial management systems for grants and subgrantee financial management systems for subgrants shall provide for: (1) Accurate, current, and complete...

  12. Effect of Financial Aid Processing Policies on Student Enrollment, Retention and Success

    ERIC Educational Resources Information Center

    MacCallum, Mike

    2008-01-01

    The results of a comprehensive survey of the California community college financial aid offices and data from the California Community Colleges Chancellor's Office provide insight into how financial aid office characteristics and financial aid policies and procedures affect the enrollment, retention, and success of financial aid students at the…

  13. Project financial evaluation

    SciTech Connect

    None, None

    2009-01-18

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

  14. Financial Literacy as the Foundation for Individual Financial Behavior

    ERIC Educational Resources Information Center

    Dwiastanti, Anis

    2015-01-01

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

  15. Chaotic Financial Tornadoes

    NASA Astrophysics Data System (ADS)

    Jakimowicz, Aleksander

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

  16. Quantifying the Relationship Between Financial News and the Stock Market

    PubMed Central

    Alanyali, Merve; Moat, Helen Susannah; Preis, Tobias

    2013-01-01

    The complex behavior of financial markets emerges from decisions made by many traders. Here, we exploit a large corpus of daily print issues of the Financial Times from 2nd January 2007 until 31st December 2012 to quantify the relationship between decisions taken in financial markets and developments in financial news. We find a positive correlation between the daily number of mentions of a company in the Financial Times and the daily transaction volume of a company's stock both on the day before the news is released, and on the same day as the news is released. Our results provide quantitative support for the suggestion that movements in financial markets and movements in financial news are intrinsically interlinked. PMID:24356666

  17. Quantifying the relationship between financial news and the stock market.

    PubMed

    Alanyali, Merve; Moat, Helen Susannah; Preis, Tobias

    2013-01-01

    The complex behavior of financial markets emerges from decisions made by many traders. Here, we exploit a large corpus of daily print issues of the Financial Times from 2(nd) January 2007 until 31(st) December 2012 to quantify the relationship between decisions taken in financial markets and developments in financial news. We find a positive correlation between the daily number of mentions of a company in the Financial Times and the daily transaction volume of a company's stock both on the day before the news is released, and on the same day as the news is released. Our results provide quantitative support for the suggestion that movements in financial markets and movements in financial news are intrinsically interlinked.

  18. Financial analysis for the infusion alliance.

    PubMed

    Perucca, Roxanne

    2010-01-01

    Providing high-quality, cost-efficient care is a major strategic initiative of every health care organization. Today's health care environment is transparent; very competitive; and focused upon providing exceptional service, safety, and quality. Establishing an infusion alliance facilitates the achievement of organizational strategic initiatives, that is, increases patient throughput, decreases length of stay, prevents the occurrence of infusion-related complications, enhances customer satisfaction, and provides greater cost-efficiency. This article will discuss how to develop a financial analysis that promotes value and enhances the financial outcomes of an infusion alliance. PMID:20841984

  19. Airport Economics: Management Control Financial Reporting Systems

    NASA Technical Reports Server (NTRS)

    Buchbinder, A.

    1972-01-01

    The development of management control financial reporting systems for airport operation is discussed. The operation of the system to provide the reports required for determining the specific revenue producing facilities of airports is described. The organization of the cost reporting centers to show the types of information provided by the system is analyzed.

  20. 36 CFR 1211.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ....430 Section 1211.430 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS ADMINISTRATION... section, in providing financial assistance to any of its students, a recipient shall not: (1) On the basis..., trust, agency, organization, or person that provides assistance to any of such recipient's students in...

  1. Correlates of financial satisfaction.

    PubMed

    Hsieh, C M

    2001-01-01

    The objectives of this study are to 1) assess the effects of major correlates of global subjective well-being on financial satisfaction, and 2) use empirical data to present the consequences of violating basic regression assumptions. Analyzing data from the General Social Surveys, 1972-1996 (Davis & Smith, 1996a) this study found that among Americans age forty-five and above, most of the major correlates of global subjective well-being show similar effects on financial satisfaction. The study's findings confirm a nonlinear effect of income on financial satisfaction. Comparing results from different analytical methods, this study also alerts researchers to the importance of taking into account the level of measurements of study variables, which have tended to be overlooked by previous subjective well-being research.

  2. Vector financial rogue waves

    NASA Astrophysics Data System (ADS)

    Yan, Zhenya

    2011-11-01

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

  3. Perspectives on medical malpractice self-insurance financial reporting.

    PubMed

    Frese, Richard C; Kitchen, Patrick J

    2012-11-01

    Financial reporting of medical malpractice self-insurance is evolving. The Financial Accounting Standards Board Accounting Standards Codification Section 954-450-25 provides guidance for accounting and financial reporting for medical malpractice. Discounting of medical malpractice liabilities has been reassessed in recent years. Malpractice litigation reform efforts continue in several states. Accountable care organizations could increase the frequency of medical malpractice claims because of patients' heightened expectations regarding quality of care.

  4. Perspectives on medical malpractice self-insurance financial reporting.

    PubMed

    Frese, Richard C; Kitchen, Patrick J

    2012-11-01

    Financial reporting of medical malpractice self-insurance is evolving. The Financial Accounting Standards Board Accounting Standards Codification Section 954-450-25 provides guidance for accounting and financial reporting for medical malpractice. Discounting of medical malpractice liabilities has been reassessed in recent years. Malpractice litigation reform efforts continue in several states. Accountable care organizations could increase the frequency of medical malpractice claims because of patients' heightened expectations regarding quality of care. PMID:23173362

  5. 21. Providence & Worchester RR: Freight house. Providence, Providence Co., ...

    Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

    21. Providence & Worchester RR: Freight house. Providence, Providence Co., RI. Sec. 4119, mp 185.66 (See HAER no. RI-3 for further documentation on this site.) - Northeast Railroad Corridor, Amtrak route between CT & MA state lines, Providence, Providence County, RI

  6. New Financial Models.

    ERIC Educational Resources Information Center

    Taylor, Michael G.

    1991-01-01

    This report synthesizes experiences in a number of countries (United Kingdom, Netherlands, Germany, Australia, Japan) on the market economy in higher education. Considered are market forces, various financial structures (institutional budgets, student funding, research infrastructure, other income, staffing), and implications for the future. (MSE)

  7. EERE Financial Opportunities

    SciTech Connect

    2012-04-19

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

  8. 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),…

  9. Issue of Financial Capability

    ERIC Educational Resources Information Center

    Hasek, Roman; Petraskova, Vladimira

    2010-01-01

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

  10. Financial Planners: Educating Widows in Personal Financial Planning

    ERIC Educational Resources Information Center

    Korb, Brian R.

    2010-01-01

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

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

    ERIC Educational Resources Information Center

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

    2013-01-01

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

  12. Financial Stress and Financial Counseling: Helping College Students

    ERIC Educational Resources Information Center

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

    2015-01-01

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

  13. Workplace Financial Education Facilitates Improvement in Personal Financial Behaviors

    ERIC Educational Resources Information Center

    Prawitz, Aimee D.; Cohart, Judith

    2014-01-01

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

  14. Financial statistics of major US publicly owned electric utilities 1993

    SciTech Connect

    Not Available

    1995-02-01

    The 1993 edition of the Financial Statistics of Major U.S. Publicly Owned Electric Utilities publication presents five years (1989 to 1993) of summary financial data and current year detailed financial data on the major publicly owned electric utilities. The objective of the publication is to provide Federal and State governments, industry, and the general public with current and historical data that can be used for policymaking and decision making purposes related to publicly owned electric utility issues. Generator and nongenerator summaries are presented in this publication. The primary source of publicly owned financial data is the Form EIA-412, the Annual Report of Public Electric Utilities, filed on a fiscal basis.

  15. Financial Management: An Organic Approach

    ERIC Educational Resources Information Center

    Laux, Judy

    2013-01-01

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

  16. Radiology applications of financial accounting.

    PubMed

    Leibenhaut, Mark H

    2005-03-01

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

  17. Radiology applications of financial accounting.

    PubMed

    Leibenhaut, Mark H

    2005-03-01

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

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

    ERIC Educational Resources Information Center

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

    2015-01-01

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

  19. 22 CFR 1203.735-205 - Financial interests.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... RESPONSIBILITIES AND CONDUCT Ethical and Other Conduct and Responsibilities of Employees § 1203.735-205 Financial... securities issued by business entities will be exempt: Provided, The employee is not serving as a member of... business or nonprofit organization by which the employee was formerly employed. Such financial interest...

  20. Guide to Financial Aid for American Indian Students.

    ERIC Educational Resources Information Center

    Thurber, Hanna J., Ed.; Thomason, Timothy C., Ed.

    This directory compiles information on college financial aid for American Indian and Alaska Native students. Information is provided on approximately 175 programs exclusively for American Indian and Alaska Native students, including private scholarships and fellowships, school-specific programs and scholarships, state financial aid, tribal…

  1. Financial statistics of major publicly owned electric utilities, 1991

    SciTech Connect

    Not Available

    1993-03-31

    The Financial Statistics of Major Publicly Owned Electric Utilities publication presents summary and detailed financial accounting data on the publicly owned electric utilities. The objective of the publication is to provide Federal and State governments, industry, and the general public with data that can be used for policymaking and decisionmaking purposes relating to publicly owned electric utility issues.

  2. 77 FR 65675 - Financial Education Content Needs Survey

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-10-30

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

  3. Understanding the Financial Bottom Line: Career Decisions and Money.

    ERIC Educational Resources Information Center

    Martellino, Carl Anthony

    Educating career counselors and other practitioners in the career development field on at least the basics of financial planning concepts will enable them to provide clients with a more comprehensive approach to career decisions. A client with an understanding of financial planning basics will be better prepared as an informed, engaged, and…

  4. 22 CFR 518.21 - Standards for financial management systems.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 2 2010-04-01 2010-04-01 true Standards for financial management systems. 518... management systems. (a) Federal awarding agencies shall require recipients to relate financial data to... systems shall provide for the following. (1) Accurate, current and complete disclosure of the...

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

    ERIC Educational Resources Information Center

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

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

  6. The Effect of State Financial Aid Policies on College Completion

    ERIC Educational Resources Information Center

    Ragland, Sheri E.

    2016-01-01

    In 2008, state legislatures provided $6 billion in financial aid to 2 million low-income young adults. When low-income young adults receive state financial aid and do not complete college, states lose their investment because fewer people with degrees will contribute to the state's economy. Declining states' budgets have led to (a) the rising cost…

  7. Financial Conflicts Facing Late-Life Remarried Alzheimer's Disease Caregivers

    ERIC Educational Resources Information Center

    Sherman, Carey Wexler; Bauer, Jean W.

    2008-01-01

    This qualitative study explores financial conflicts faced by late-life remarried wives providing care for their husbands with Alzheimer's disease. Interviews with 9 women identified intergenerational secrets and tensions regarding financial and inheritance decisions. Participants' remarried spouse status, underlying family boundary ambiguities,…

  8. 42 CFR 1007.19 - Federal financial participation (FFP).

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... SERVICES OIG AUTHORITIES STATE MEDICAID FRAUD CONTROL UNITS § 1007.19 Federal financial participation (FFP... 42 Public Health 5 2013-10-01 2013-10-01 false Federal financial participation (FFP). 1007.19... of fraud; (2) Routine verification with beneficiaries of whether services billed by providers...

  9. Banking and Financial Systems. Curriculum Guide. First Edition.

    ERIC Educational Resources Information Center

    Patton, Jan

    This curriculum guide provides course materials for teachers to use in developing a course in banking and financial systems. Following an introductory section that lists the common essential elements of the course, the guide contains six sections that cover the following course topics: (1) introduction to banking and financial systems; (2) banking…

  10. 48 CFR 970.5232-7 - Financial management system.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... maintain and administer a financial management system that is suitable to provide proper accounting in... 48 Federal Acquisition Regulations System 5 2011-10-01 2011-10-01 false Financial management... SUPPLEMENTARY REGULATIONS DOE MANAGEMENT AND OPERATING CONTRACTS Solicitation Provisions and Contract...

  11. 48 CFR 970.5232-7 - Financial management system.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... maintain and administer a financial management system that is suitable to provide proper accounting in... 48 Federal Acquisition Regulations System 5 2014-10-01 2014-10-01 false Financial management... SUPPLEMENTARY REGULATIONS DOE MANAGEMENT AND OPERATING CONTRACTS Solicitation Provisions and Contract...

  12. 48 CFR 970.5232-7 - Financial management system.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... maintain and administer a financial management system that is suitable to provide proper accounting in... 48 Federal Acquisition Regulations System 5 2013-10-01 2013-10-01 false Financial management... SUPPLEMENTARY REGULATIONS DOE MANAGEMENT AND OPERATING CONTRACTS Solicitation Provisions and Contract...

  13. Financial Management. Guide to Standards and Implementation. Career & Technology Studies.

    ERIC Educational Resources Information Center

    Alberta Dept. of Education, Edmonton. Curriculum Standards Branch.

    This Alberta curriculum guide defines competencies that help students build daily living skills, investigate career options in financial management, use technology in the financial management field effectively and efficiently, and prepare for entry into the workplace or related postsecondary programs. The first section provides a program rationale…

  14. Measuring hospital performance in multiinstitutional organizations using financial ratios.

    PubMed

    Coyne, J S

    1985-01-01

    The growth in the number of hospitals participating in MIOs is a critical force in the health services industry. Financial ratios serve as a tool to analyze the performance of these MIOs. Ratios can provide signals of financial stress or strength, which is essential to survival in a price-competitive environment.

  15. Financial statistics of selected publicly owned electric utilities 1990

    SciTech Connect

    Not Available

    1992-02-12

    The Financial Statistics of Selected Publicly Owned Electric Utilities publication presents summary and detailed financial accounting data on the publicly owned electric utilities. The objective of the publication is to provide Federal and State governments, industry, and the general public with data that can be used for policymaking and decisionmaking purposes relating to publicly owned electric utility issues. (VC)

  16. Financial statistics of major investor-owned electric utilities, 1991

    SciTech Connect

    Not Available

    1993-01-26

    The Financial Statistics of major Investor-Owned Electric Utilities publication presents summary and detailed financial accounting data on the investor-owned electric utilities. The objective of the publication is to provide Federal and State governments, industry, and the general public with current and historical data that can be used for policymaking and decisionmaking purposes related to investor-owned electric utility issues.

  17. 20 CFR 638.808 - Center financial management and reporting.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... LABOR JOB CORPS PROGRAM UNDER TITLE IV-B OF THE JOB TRAINING PARTNERSHIP ACT Administrative Provisions § 638.808 Center financial management and reporting. The Job Corps Director shall establish procedures... that will provide accurate, complete, and current disclosures of the financial results of Job...

  18. Inflation and Financial Statement Analysis in the International Accounting Classroom

    ERIC Educational Resources Information Center

    Riordan, Diane A.; Riordan, Michael P.

    2009-01-01

    This article provides an exercise for students to contemplate the effects of inflation during financial statement analysis. Even small amounts of inflation accumulating over time can grow to distort a company's reported financial position and results of operations. The growing economies in emerging markets, the international market for oil, and…

  19. "Financial Bubbles" and Monetary Policy

    ERIC Educational Resources Information Center

    Tikhonov, Yuriy A.; Pudovkina, Olga E.; Permjakova, Juliana V.

    2016-01-01

    The relevance of this research is caused by the need of strengthening a role of monetary regulators to prevent financial bubbles in the financial markets. The aim of the article is the analysis of a problem of crisis phenomena in the markets of financial assets owing to an inadequate growth of their cost, owing to subjective reasons. The leading…

  20. Strategic Planning and Financial Management

    ERIC Educational Resources Information Center

    Conneely, James F.

    2010-01-01

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

  1. 45 CFR 602.41 - Financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 45 Public Welfare 3 2014-10-01 2014-10-01 false Financial reporting. 602.41 Section 602.41 Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION UNIFORM... assistance of automatic data processing equipment provided that the information to be submitted is...

  2. 10 CFR 1042.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... DEPARTMENT OF ENERGY (GENERAL PROVISIONS) NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or...: (1) On the basis of sex, provide different amounts or types of such assistance, limit eligibility...

  3. 29 CFR 36.430 - Financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... the Secretary of Labor NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or...) On the basis of sex, provide different amounts or types of such assistance, limit eligibility...

  4. 28 CFR 54.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ....430 Judicial Administration DEPARTMENT OF JUSTICE (CONTINUED) NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex... students, a recipient shall not: (1) On the basis of sex, provide different amounts or types of...

  5. 29 CFR 36.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... the Secretary of Labor NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or...) On the basis of sex, provide different amounts or types of such assistance, limit eligibility...

  6. 29 CFR 36.430 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... the Secretary of Labor NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or...) On the basis of sex, provide different amounts or types of such assistance, limit eligibility...

  7. 49 CFR 25.430 - Financial assistance.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Transportation Office of the Secretary of Transportation NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in..., a recipient shall not: (1) On the basis of sex, provide different amounts or types of...

  8. 28 CFR 54.430 - Financial assistance.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ....430 Judicial Administration DEPARTMENT OF JUSTICE (CONTINUED) NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex... students, a recipient shall not: (1) On the basis of sex, provide different amounts or types of...

  9. Manpower Training Allowances: Financial Assistance or Investment?

    ERIC Educational Resources Information Center

    Latour, Georges

    1975-01-01

    The author compares the differing approaches of Germany, Sweden, France, and Australia for providing financial support to adults enrolled in vocational training programs, focusing on training allowances for recurrent education. He concludes that without some governmental maintenance program, it is unlikely that adults can utilize even tuition-free…

  10. 34 CFR 668.172 - Financial ratios.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ...) Rounding the composite score to one digit after the decimal point. (b) Ratios. The Primary Reserve, Equity... 34 Education 3 2011-07-01 2011-07-01 false Financial ratios. 668.172 Section 668.172 Education... ratios. (a) Appendices A and B, ratio methodology. As provided under appendices A and B to this...

  11. The Ethical Dimensions of Awarding Financial Aid

    ERIC Educational Resources Information Center

    Hillman, Nicholas

    2011-01-01

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

  12. How College Pricing Undermines Financial Aid

    ERIC Educational Resources Information Center

    Martin, Robert E.; Gillen, Andrew

    2011-01-01

    The primary purpose of government provided student financial aid is to increase college access by bringing the out-of-pocket price of attendance within reach of more students. The basic idea is quite straightforward. If a good or service costs $100 to buy and the government gives consumers a $50 subsidy, then consumers need only spend $50 of their…

  13. 12 CFR 5.39 - Financial subsidiaries.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Act (12 U.S.C. 371c and 371c-1), as implemented by Regulation W, 12 CFR part 223, as applicable. (2...) Tangible equity has the meaning set forth in 12 CFR 6.2(g). (11) Well capitalized with respect to a... accounting principles, separately present financial information for the bank in the manner provided...

  14. 34 CFR 74.52 - Financial reporting.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... obtaining this information, complies with the report clearance requirements of 5 CFR part 1320. (3) The... OMB are authorized for obtaining financial information from recipients. (1) SF-269 or SF-269A... Federal Cash Transactions—provides adequate information to meet the Department's needs, except that...

  15. 34 CFR 74.52 - Financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... obtaining this information, complies with the report clearance requirements of 5 CFR part 1320. (3) The... OMB are authorized for obtaining financial information from recipients. (1) SF-269 or SF-269A... Federal Cash Transactions—provides adequate information to meet the Department's needs, except that...

  16. 34 CFR 74.52 - Financial reporting.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... obtaining this information, complies with the report clearance requirements of 5 CFR part 1320. (3) The... OMB are authorized for obtaining financial information from recipients. (1) SF-269 or SF-269A... Federal Cash Transactions—provides adequate information to meet the Department's needs, except that...

  17. Preparing the Next IT Leaders: Financial Management

    ERIC Educational Resources Information Center

    Goldstein, Karen L.

    2007-01-01

    The next generation of IT leaders must learn to navigate the complexities of higher education financial planning and negotiation. Technology infrastructure, hardware, software, and services are very expensive to provide and will continue to be so for some time to come. Most CIOs have learned about complex IT finances the hard way--they were handed…

  18. A Handbook for School District Financial Management.

    ERIC Educational Resources Information Center

    Dembowski, Frederick L.

    Designed for school business officials, this handbook provides research information and guidelines on school district banking and cash management systems. Section 1 gives an overview of district financial management operations, discussing the administrative framework, cash budgeting, information and control systems, collection and disbursement…

  19. 45 CFR 602.41 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 45 Public Welfare 3 2011-10-01 2011-10-01 false Financial reporting. 602.41 Section 602.41 Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION UNIFORM... assistance of automatic data processing equipment provided that the information to be submitted is...

  20. 75 FR 49836 - Iranian Financial Sanctions Regulations

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-08-16

    ... significant business with Iran's Islamic Revolutionary Guard Corps (``IRGC'') or certain other blocked persons... Iran's Islamic Revolutionary Guard Corps or any of its agents or affiliates)-- (i) To acquire or... transaction or transactions or provides significant financial services for-- (i) Iran's Islamic...

  1. Financial Activity & Condition Taxpayer Summary (FACTS), 2002.

    ERIC Educational Resources Information Center

    Piotrowski, Craig; Moore, Anne

    The purpose of this Financial Activity & Condition Taxpayer Summary (FACTS) is to provide information about the Waukesha County Technical College (WCTC) for the 2002 fiscal year. The detailed report is divided into the following sections: (1) WCTC Board Members; (2) The President's Outlook; (3) Service Efforts and Accomplishments; (4) Brief…

  2. Governmental Accounting: Comprehensive Annual Financial Report Project.

    ERIC Educational Resources Information Center

    Moncada, Susan M.

    This paper provides student materials for a course project in which students read, analyze, and interpret the information in an actual comprehensive annual financial report (CAFR) of a government entity (a city with a population greater than 40,000), and is based on the actual reviewer's checklist used by the Government Finance Officers…

  3. 40 CFR 5.430 - Financial assistance.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ....430 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY GENERAL NONDISCRIMINATION ON THE BASIS... or assist in the administration of scholarships, fellowships, or other forms of financial assistance... therein; Provided, that the overall effect of the award of such sex-restricted scholarships,...

  4. 40 CFR 5.430 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ....430 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY GENERAL NONDISCRIMINATION ON THE BASIS... or assist in the administration of scholarships, fellowships, or other forms of financial assistance... therein; Provided, that the overall effect of the award of such sex-restricted scholarships,...

  5. 40 CFR 5.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ....430 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY GENERAL NONDISCRIMINATION ON THE BASIS... or assist in the administration of scholarships, fellowships, or other forms of financial assistance... therein; Provided, that the overall effect of the award of such sex-restricted scholarships,...

  6. 40 CFR 5.430 - Financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ....430 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY GENERAL NONDISCRIMINATION ON THE BASIS... or assist in the administration of scholarships, fellowships, or other forms of financial assistance... therein; Provided, that the overall effect of the award of such sex-restricted scholarships,...

  7. 38 CFR 49.52 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ..., HOSPITALS, AND OTHER NON-PROFIT ORGANIZATIONS Post-Award Requirements Reports and Records § 49.52 Financial.... Recipients shall provide short narrative explanations of actions taken to reduce the excess balances. (iv..., shall comply with report clearance requirements of 5 CFR part 1320. (3) Federal awarding agencies...

  8. 40 CFR 30.52 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ..., HOSPITALS, AND OTHER NON-PROFIT ORGANIZATIONS Post-Award Requirements Reports and Records § 30.52 Financial.... Recipients shall provide short narrative explanations of actions taken to reduce the excess balances. (iv... clearance requirements of 5 CFR part 1320. (3) EPA may shade out any line item on any report if...

  9. Decision support for financial forecasting

    SciTech Connect

    Jairam, B.N.; Morris, J.D.; Emrich, M.L.; Hardee, H.K.

    1988-10-01

    A primary mission of the Budget Management Division of the Air Force is fiscal analysis. This involves formulating, justifying, and tracking financial data during budget preparation and execution. An essential requirement of this process is the ready availability and easy manipulation of past and current budget data. This necessitates the decentralization of the data. A prototypical system, BAFS (Budget Analysis and Forecasting System), that provides such a capability is presented. In its current state, the system is designed to be a decision support tool. A brief report of the budget decisions and activities is presented. The system structure and its major components are discussed. An insight into the implementation strategies and the tool used is provided. The paper concludes with a discussion of future enhancements and the system's evolution into an expert system. 4 refs., 3 figs.

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

    NASA Astrophysics Data System (ADS)

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

    2016-08-01

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

  11. Two Essays in Financial Economics

    NASA Astrophysics Data System (ADS)

    Putnam, Kyle J.

    The following dissertation contains two distinct empirical essays which contribute to the overall field of Financial Economics. Chapter 1, entitled "The Determinants of Dynamic Dependence: An Analysis of Commodity Futures and Equity Markets," examines the determinants of the dynamic equity-commodity return correlations between five commodity futures sub-sectors (energy, foods and fibers, grains and oilseeds, livestock, and precious metals) and a value-weighted equity market index (S&P 500). The study utilizes the traditional DCC model, as well as three time-varying copulas: (i) the normal copula, (ii) the student's t copula, and (iii) the rotated-gumbel copula as dependence measures. Subsequently, the determinants of these various dependence measures are explored by analyzing several macroeconomic, financial, and speculation variables over different sample periods. Results indicate that the dynamic equity-commodity correlations for the energy, grains and oilseeds, precious metals, and to a lesser extent the foods and fibers, sub-sectors have become increasingly explainable by broad macroeconomic and financial market indicators, particularly after May 2003. Furthermore, these variables exhibit heterogeneous effects in terms of both magnitude and sign on each sub-sectors' equity-commodity correlation structure. Interestingly, the effects of increased financial market speculation are found to be extremely varied among the five sub-sectors. These results have important implications for portfolio selection, price formation, and risk management. Chapter 2, entitled, "US Community Bank Failure: An Empirical Investigation," examines the declining, but still pivotal role, of the US community banking industry. The study utilizes survival analysis to determine which accounting and macroeconomic variables help to predict community bank failure. Federal Deposit Insurance Corporation and Federal Reserve Bank data are utilized to compare 452 community banks which failed between

  12. 7 CFR 735.402 - Providers of other electronic documents.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... and maximum deductible amounts and applicability of other forms of financial assurances as set forth...) Financial requirements; (9) Terms of insurance policies or assurances; (10) Provider's integrity statement; (11) Security audits; and (12) Submission, authorization, approval, use and retention of documents....

  13. 7 CFR 735.402 - Providers of other electronic documents.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... and maximum deductible amounts and applicability of other forms of financial assurances as set forth...) Financial requirements; (9) Terms of insurance policies or assurances; (10) Provider's integrity statement; (11) Security audits; and (12) Submission, authorization, approval, use and retention of documents....

  14. Financial Health of the Higher Education Sector: Financial Results and TRAC Outcomes 2013-14. Issues Paper 2015/07

    ERIC Educational Resources Information Center

    Higher Education Funding Council for England, 2015

    2015-01-01

    This report provides an overview of the financial health of the Higher Education Funding Council for England (HEFCE)-funded higher education sector in England. The analysis covers financial results for the academic year 2013-14, as submitted to HEFCE in December 2014, as well as the outcomes from the sector's Transparent Approach to Costing (TRAC)…

  15. 78 FR 5166 - BE-185: Quarterly Survey of Financial Services Transactions Between U.S. Financial Services...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-24

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

  16. Trends in State Financial Aid: Actions from the 2013 and 2014 Legislative Sessions. Financial Aid: Trends in the States

    ERIC Educational Resources Information Center

    Pingel, Sarah

    2014-01-01

    The outcomes states gain from investing in postsecondary financial aid programs remain hotly debated, leading to great interest in developing programs that are both cost-effective and productive in helping states meet goals. In the 2012-13 academic year, states collectively provided approximately $11.2 billion in financial aid to students enrolled…

  17. 15 CFR 801.12 - Rules and regulations for the BE-180, Benchmark Survey of Financial Services Transactions between...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ..., Benchmark Survey of Financial Services Transactions between U.S. Financial Services Providers and Foreign... SERVICES BETWEEN U.S. AND FOREIGN PERSONS § 801.12 Rules and regulations for the BE-180, Benchmark Survey...) The BE-180, Benchmark Survey of Financial Services Transactions between U.S. Financial...

  18. Financial reporting practices: a comprehensive evaluation.

    PubMed

    Godwin, Norman H; Mueller, Jennifer M

    2005-01-01

    A distinguishing characteristic of high performance organizations is a strong internal control structure-controls that ensure patient care, compliance with regulations, internal efficiencies, and financial reporting. It is controls on financial reporting that are receiving a great deal of attention under a new law, the Sarbanes-Oxley Act of 2002. Public companies are now required by law to document controls over financial reporting, in order to fully address exposures and the effectiveness of current controls. Though many healthcare organizations are not directly affected by the law, regulatory agencies could follow suit and require similar compliance. In fact, several states have introduced bills that require nonprofit organizations to adhere to portions of the act. This article provides a guide for organizations desiring to stay ahead of the curve.

  19. Fluctuation behaviors of financial return volatility duration

    NASA Astrophysics Data System (ADS)

    Niu, Hongli; Wang, Jun; Lu, Yunfan

    2016-04-01

    It is of significantly crucial to understand the return volatility of financial markets because it helps to quantify the investment risk, optimize the portfolio, and provide a key input of option pricing models. The characteristics of isolated high volatility events above certain threshold in price fluctuations and the distributions of return intervals between these events arouse great interest in financial research. In the present work, we introduce a new concept of daily return volatility duration, which is defined as the shortest passage time when the future volatility intensity is above or below the current volatility intensity (without predefining a threshold). The statistical properties of the daily return volatility durations for seven representative stock indices from the world financial markets are investigated. Some useful and interesting empirical results of these volatility duration series about the probability distributions, memory effects and multifractal properties are obtained. These results also show that the proposed stock volatility series analysis is a meaningful and beneficial trial.

  20. Communication impacting financial markets

    NASA Astrophysics Data System (ADS)

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

    2014-10-01

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

  1. Human Factors in Financial Trading

    PubMed Central

    Leaver, Meghan; Reader, Tom W.

    2016-01-01

    Objective This study tests the reliability of a system (FINANS) to collect and analyze incident reports in the financial trading domain and is guided by a human factors taxonomy used to describe error in the trading domain. Background Research indicates the utility of applying human factors theory to understand error in finance, yet empirical research is lacking. We report on the development of the first system for capturing and analyzing human factors–related issues in operational trading incidents. Method In the first study, 20 incidents are analyzed by an expert user group against a referent standard to establish the reliability of FINANS. In the second study, 750 incidents are analyzed using distribution, mean, pathway, and associative analysis to describe the data. Results Kappa scores indicate that categories within FINANS can be reliably used to identify and extract data on human factors–related problems underlying trading incidents. Approximately 1% of trades (n = 750) lead to an incident. Slip/lapse (61%), situation awareness (51%), and teamwork (40%) were found to be the most common problems underlying incidents. For the most serious incidents, problems in situation awareness and teamwork were most common. Conclusion We show that (a) experts in the trading domain can reliably and accurately code human factors in incidents, (b) 1% of trades incur error, and (c) poor teamwork skills and situation awareness underpin the most critical incidents. Application This research provides data crucial for ameliorating risk within financial trading organizations, with implications for regulation and policy. PMID:27142394

  2. 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…

  3. Estate Planning: Providing for Your Child's Future.

    ERIC Educational Resources Information Center

    Beyer, Henry A.

    1986-01-01

    Parents who wish their handicapped offspring to be financially provided for after their own deaths need to explore several ways of managing and distributing their assets, including: creating a will; disinheritance (to avoid loss of benefits; joint property and life insurance; and trusts and trustees. (CB)

  4. Integrated Financial Management Program

    NASA Technical Reports Server (NTRS)

    Pho, Susan

    2004-01-01

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

  5. Climate Information Needs for Financial Decision Making

    SciTech Connect

    Higgins, Paul

    2013-11-19

    Climate Information Needs for Financial Decision Making (Final Report) This Department of Energy workshop award (grant #DE-SC0008480) provided primary support for the American Meteorological Society’s study on climate information needs for financial decision making. The goal of this study was to help advance societal decision making by examining the implications of climate variability and change on near-term financial investments. We explored four key topics: 1) the conditions and criteria that influence returns on investment of major financial decisions, 2) the climate sensitivity of financial decisions, 3) climate information needs of financial decision makers, and 4) potential new mechanisms to promote collaboration between scientists and financial decision makers. Better understanding of these four topics will help scientists provide the most useful information and enable financial decision makers to use scientific information most effectively. As a result, this study will enable leaders in business and government to make well-informed choices that help maximize long-term economic success and social wellbeing in the United States The outcomes of the study include a workshop, which brought together leaders from the scientific and financial decision making communities, a publication of the study report, and a public briefing of the results to the policy community. In addition, we will present the results to the scientific community at the AMS Annual Meeting in February, 2014. The study results were covered well by the media including Bloomberg News and E&E News. Upon request, we also briefed the Office of Science Technology Policy (OSTP) and the Council on Environmental Quality (CEQ) on the outcomes. We presented the results to the policy community through a public briefing in December on Capitol Hill. The full report is publicly available at www.ametsoc.org/cin. Summary of Key Findings The United States invests roughly $1.5 trillion U.S. dollars (USD) in

  6. Sheltered workshops: financial and philosophical liabilities.

    PubMed

    Schuster, J W

    1990-08-01

    Some of the economic and philosophical reasons why sheltered workshops remain liabilities within the field of special education were discussed. Low wage rates, the unavailability of work, changing industrial forecasts for blue collar employment, financial dependence, tax returns, segregation, and normalization issues, along with other factors, were examined to provide support for the assertion that sheltered workshops are not providing clients with appropriate work experiences. PMID:2215244

  7. Providers must plan for accrual of medical malpractice claims.

    PubMed

    Zatorski, R

    1988-11-01

    Because of the change in accounting regulations that requires accrual for certain medical malpractice claims, healthcare providers could soon be experiencing significant effects on their financial results. AICPA Statement Position 87-1, "Accounting for Asserted and Unasserted Medical Malpractice Claims of Health Care Providers and Related Issues," states that if healthcare providers have not transferred all risk for medical malpractice claims arising out of occurrences prior to the financial statement date to a third party, some accrual will be required. Providers need to prepare themselves for the financial problems that could arise from these reporting guidelines. Estimating the potential accrual amounts with advanced planning and extensive data gathering and analysis could lower a healthcare provider's financial risk.

  8. Economic values and corporate financial statements.

    PubMed

    Magness, Vanessa

    2003-07-01

    Corporate financial statements do not include environmental values. This deficiency has contributed to the criticism that company managers do not include environmental impacts in the internal decision-making process. The accounting profession has not developed effective environmental reporting guidelines. This situation contributes to a second problem: the apparent inability of corporate reports to provide useful information to external parties. It has been suggested that by using nonmarket valuation methodologies, financial statements can be used to measure progress toward sustainable development. Nonmarket valuations are not generally accepted by the accounting profession. They are too subjective to support effective decisions, and too costly to obtain. Furthermore, demand for this sort of information appears small. Some of these issues may be resolved over time. The most serious challenge, however, concerns how enhanced financial reports would be used. Financial statements are supposed to help investors assess the amount, timing, and uncertainty of future cash flows. A substantial portion of environmental value is based on nonuse benefits, much of which will never be realized in company cash flows. In other words, the role of financial statements would have to change. Furthermore, since there is no general agreement as to the meaning of "sustainable development," efforts to operationalize the term have been fraught with difficulty. Moreover, monetization of environmental values could jeopardize their preservation, leaving some to question the overall objective of this form of reporting. For these reasons, while it is to be hoped that better reporting of environmental impacts will be forthcoming, the greatest advances will likely be outside the financial statements themselves.

  9. Economic values and corporate financial statements.

    PubMed

    Magness, Vanessa

    2003-07-01

    Corporate financial statements do not include environmental values. This deficiency has contributed to the criticism that company managers do not include environmental impacts in the internal decision-making process. The accounting profession has not developed effective environmental reporting guidelines. This situation contributes to a second problem: the apparent inability of corporate reports to provide useful information to external parties. It has been suggested that by using nonmarket valuation methodologies, financial statements can be used to measure progress toward sustainable development. Nonmarket valuations are not generally accepted by the accounting profession. They are too subjective to support effective decisions, and too costly to obtain. Furthermore, demand for this sort of information appears small. Some of these issues may be resolved over time. The most serious challenge, however, concerns how enhanced financial reports would be used. Financial statements are supposed to help investors assess the amount, timing, and uncertainty of future cash flows. A substantial portion of environmental value is based on nonuse benefits, much of which will never be realized in company cash flows. In other words, the role of financial statements would have to change. Furthermore, since there is no general agreement as to the meaning of "sustainable development," efforts to operationalize the term have been fraught with difficulty. Moreover, monetization of environmental values could jeopardize their preservation, leaving some to question the overall objective of this form of reporting. For these reasons, while it is to be hoped that better reporting of environmental impacts will be forthcoming, the greatest advances will likely be outside the financial statements themselves. PMID:14703909

  10. 34 CFR 395.12 - Access to program and financial information.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 2 2010-07-01 2010-07-01 false Access to program and financial information. 395.12... BLIND ON FEDERAL AND OTHER PROPERTY The State Licensing Agency § 395.12 Access to program and financial information. Each blind vendor under this part shall be provided access to all financial data of the...

  11. 77 FR 27021 - Proposed Information Collection; Comment Request; Quarterly Survey of Financial Services...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-08

    ... INFORMATION: I. Abstract Form BE-185, Quarterly Survey of Financial Services Transactions between U.S... Bureau of Economic Analysis Proposed Information Collection; Comment Request; Quarterly Survey of Financial Services Transactions Between U.S. Financial Services Providers and Foreign Persons AGENCY:...

  12. Trans-Local Academic Credentials and the (Re)production of Financial Elites

    ERIC Educational Resources Information Center

    Hall, Sarah; Appleyard, Lindsey

    2011-01-01

    This paper examines the ways in which credentials from a range of education providers are used to (re)produce transnational financial elites in London's international financial district. Extant research has examined the long-standing relationship between educational background and entry into these financial labour markets. Far less attention has…

  13. 29 CFR 458.32 - Provision for accounting and financial controls.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 2 2010-07-01 2010-07-01 false Provision for accounting and financial controls. 458.32... Additional Provisions Applicable § 458.32 Provision for accounting and financial controls. Every labor organization shall provide accounting and financial controls necessary to assure the maintenance of...

  14. Finding Medical Care for Colorectal Cancer Symptoms: Experiences among Those Facing Financial Barriers

    ERIC Educational Resources Information Center

    Thomson, Maria D.; Siminoff, Laura A.

    2015-01-01

    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…

  15. Disturbingly Weak: The Current State of Financial Management Education in Library and Information Science Curricula

    ERIC Educational Resources Information Center

    Burger, Robert H.; Kaufman, Paula T.; Atkinson, Amy L.

    2015-01-01

    Financial management skills are necessary for responsible library management. In light of the profession's current emphasis on financial literacy, the authors posed four questions: (1) to what extent are library and information science schools providing courses in financial management for their graduates; (2) what is the quality and quantity of…

  16. Personal and Family Financial Planning. A Staff Development Workshop for Secondary School Trainers and Teachers.

    ERIC Educational Resources Information Center

    Bannister, Rosella; And Others

    This manual for teacher trainers and staff development specialists contains information and materials for an 18-hour personal and financial planning workshop for secondary teachers. Part A is a guide for workshop directors. It defines personal and family financial planning, provides background information on financial planning education, and…

  17. 45 CFR 201.15 - Deferral of claims for Federal financial participation.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... audit exception or financial management review. If a subsequent disallowance should occur, the State... 45 Public Welfare 2 2012-10-01 2012-10-01 false Deferral of claims for Federal financial... Federal financial participation. (a) Scope. Except as otherwise provided, this section applies to...

  18. 45 CFR 201.15 - Deferral of claims for Federal financial participation.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... audit exception or financial management review. If a subsequent disallowance should occur, the State... 45 Public Welfare 2 2014-10-01 2012-10-01 true Deferral of claims for Federal financial... Federal financial participation. (a) Scope. Except as otherwise provided, this section applies to...

  19. 45 CFR 201.15 - Deferral of claims for Federal financial participation.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... audit exception or financial management review. If a subsequent disallowance should occur, the State... 45 Public Welfare 2 2011-10-01 2011-10-01 false Deferral of claims for Federal financial... Federal financial participation. (a) Scope. Except as otherwise provided, this section applies to...

  20. 45 CFR 201.15 - Deferral of claims for Federal financial participation.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... audit exception or financial management review. If a subsequent disallowance should occur, the State... 45 Public Welfare 2 2013-10-01 2012-10-01 true Deferral of claims for Federal financial... Federal financial participation. (a) Scope. Except as otherwise provided, this section applies to...

  1. Possibilities: A Financial Resource Book for Parents of Children with Disabilities.

    ERIC Educational Resources Information Center

    PACER Center, Inc., Minneapolis, MN.

    This booklet on money management and financial resources is targeted to parents of a child under the age of 18 who has a disability. The guide outlines step-by-step financial management techniques and provides information on resources. Chapter 1 focuses on the need for parents to organize financial information. Parents are urged to keep their…

  2. 10 CFR 1.31 - Office of the Chief Financial Officer.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...— (a) Oversees all financial management activities relating to NRC's programs and operations and... to senior managers on the budget and all other financial management activities; (d) Provides an agencywide management control program for financial and program managers that establishes internal...

  3. 45 CFR 84.46 - Financial and employment assistance to students.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 45 Public Welfare 1 2014-10-01 2014-10-01 false Financial and employment assistance to students... Postsecondary Education § 84.46 Financial and employment assistance to students. (a) Provision of financial... person that provides assistance to any of the recipient's students in a manner that discriminates...

  4. 22 CFR 142.46 - Financial and employment assistance to students.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Financial and employment assistance to students... Education § 142.46 Financial and employment assistance to students. (a) Provisions of financial assistance... person that provides assistance to any of the recipient's students in a manner that discriminates...

  5. 45 CFR 84.46 - Financial and employment assistance to students.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Financial and employment assistance to students... Postsecondary Education § 84.46 Financial and employment assistance to students. (a) Provision of financial... person that provides assistance to any of the recipient's students in a manner that discriminates...

  6. 34 CFR 104.46 - Financial and employment assistance to students.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 34 Education 1 2013-07-01 2013-07-01 false Financial and employment assistance to students. 104.46... students. (a) Provision of financial assistance. (1) In providing financial assistance to qualified...'s students in a manner that discriminates against qualified handicapped persons on the basis...

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

    ERIC Educational Resources Information Center

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

    2012-01-01

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

  8. Financial accounting for radiology executives.

    PubMed

    Seidmann, Abraham; Mehta, Tushar

    2005-03-01

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

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

    PubMed

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

    2012-09-01

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

  10. Department of Energy Procurement and Financial-Assistance Career Guide

    SciTech Connect

    Not Available

    1980-05-01

    This guide supports the Procurement Career Management and Development Program which is administered by the Procurement Career Management and Development Board. Objectives are: (a). To meet current and future DOE-wide needs for procurement and financial-assistance people and to provide capable replacements for key procurement and financial-assistance positions on a planned, systematic basis. (b). To attract, select, develop and retain, on a long-term career basis, a higly qualified workforce capable of performing current and future DOE procurement and financial assistance functions. (c) To increase the proficiency of DOE procurement and financial-assistance people in their present positions and to give talented people opportunities for broadening experiences and progression commensurate with their abilities. (d) To stimulate self-development. The program applies to all procurement and financial-assistance people, or those who perform key related function, in DOE who are serving under career or career-conditional appointments in the competitive service.

  11. Income, age and financial satisfaction.

    PubMed

    Hsieh, Chang-ming

    2003-01-01

    Although the effects of income and age on subjective well-being have been widely studied, research on the effects of income and age on financial satisfaction, a major life domain to which income has direct relevance, remains limited. Analyzing data from the General Social Surveys, this article empirically examined the effects of income and age on financial satisfaction. These findings suggest that the social-psychological mechanisms underlying the age differences in the effects of income on financial satisfaction might not reflect a clear-cut status attainment versus status maintenance framework. The findings also served to caution future financial satisfaction research in the choice of income measures and the age grouping.

  12. Welfare Gains from Financial Liberalization

    PubMed Central

    Townsend, Robert M.; Ueda, Kenichi

    2010-01-01

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

  13. Southwestern Power Administration Combined Financial Statements, 2006-2009

    SciTech Connect

    2009-09-01

    We have audited the accompanying combined balance sheets of the Southwestern Federal Power System (SWFPS), as of September 30, 2009, 2008, 2007, and 2006, and the related combined statements of revenues and expenses, changes in capitalization, and cash flows for the years then ended. As described in note 1(a), the combined financial statement presentation includes the hydroelectric generation functions of another Federal agency (hereinafter referred to as the generating agency), for which Southwestern Power Administration (Southwestern) markets and transmits power. These combined financial statements are the responsibility of the management of Southwestern and the generating agency. Our responsibility is to express an opinion on these combined financial statements based on our audits. We conducted our audits in accordance with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the combined financial statements are free of material misstatement. An audit includes consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of Southwestern and the generating agency’s internal control over financial reporting. Accordingly, we express no such opinion. An audit also includes examining, on a test basis, evidence supporting the amounts and disclosures in the combined financial statements, assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall combined financial statement presentation. We believe that our audits provide a reasonable basis for our opinion. In our opinion, the combined financial statements referred to above present fairly, in all material respects, the respective financial position of the Southwestern Federal Power

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

    ERIC Educational Resources Information Center

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

    2007-01-01

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

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

    ERIC Educational Resources Information Center

    Robinson, J. N.

    1992-01-01

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

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

    ERIC Educational Resources Information Center

    Mandell, Lewis; Klein, Linda Schmid

    2009-01-01

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

  17. An economic and financial exploratory

    NASA Astrophysics Data System (ADS)

    Cincotti, S.; Sornette, D.; Treleaven, P.; Battiston, S.; Caldarelli, G.; Hommes, C.; Kirman, A.

    2012-11-01

    This paper describes the vision of a European Exploratory for economics and finance using an interdisciplinary consortium of economists, natural scientists, computer scientists and engineers, who will combine their expertise to address the enormous challenges of the 21st century. This Academic Public facility is intended for economic modelling, investigating all aspects of risk and stability, improving financial technology, and evaluating proposed regulatory and taxation changes. The European Exploratory for economics and finance will be constituted as a network of infrastructure, observatories, data repositories, services and facilities and will foster the creation of a new cross-disciplinary research community of social scientists, complexity scientists and computing (ICT) scientists to collaborate in investigating major issues in economics and finance. It is also considered a cradle for training and collaboration with the private sector to spur spin-offs and job creations in Europe in the finance and economic sectors. The Exploratory will allow Social Scientists and Regulators as well as Policy Makers and the private sector to conduct realistic investigations with real economic, financial and social data. The Exploratory will (i) continuously monitor and evaluate the status of the economies of countries in their various components, (ii) use, extend and develop a large variety of methods including data mining, process mining, computational and artificial intelligence and every other computer and complex science techniques coupled with economic theory and econometric, and (iii) provide the framework and infrastructure to perform what-if analysis, scenario evaluations and computational, laboratory, field and web experiments to inform decision makers and help develop innovative policy, market and regulation designs.

  18. The Intersection of Financial Exploitation and Financial Capacity

    PubMed Central

    Lichtenberg, P.A.

    2016-01-01

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

  19. Strategic planning processes and hospital financial performance.

    PubMed

    Kaissi, Amer A; Begun, James W

    2008-01-01

    Many common management practices in healthcare organizations, including the practice of strategic planning, have not been subject to widespread assessment through empirical research. If management practice is to be evidence-based, evaluations of such common practices need to be undertaken. The purpose of this research is to provide evidence on the extent of strategic planning practices and the association between hospital strategic planning processes and financial performance. In 2006, we surveyed a sample of 138 chief executive officers (CEOs) of hospitals in the state of Texas about strategic planning in their organizations and collected financial information on the hospitals for 2003. Among the sample hospitals, 87 percent reported having a strategic plan, and most reported that they followed a variety of common practices recommended for strategic planning-having a comprehensive plan, involving physicians, involving the board, and implementing the plan. About one-half of the hospitals assigned responsibility for the plan to the CEO. We tested the association between these planning characteristics in 2006 and two measures of financial performance for 2003. Three dimensions of the strategic planning process--having a strategic plan, assigning the CEO responsibility for the plan, and involving the board--are positively associated with earlier financial performance. Further longitudinal studies are needed to evaluate the cause-and-effect relationship between planning and performance.

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

    PubMed

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

    2010-12-01

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

  1. Linking XBRL Financial Data

    NASA Astrophysics Data System (ADS)

    García, Roberto; Gil, Rosa

    One of the main ways of populating the Web of Data is by translating existing data sources. One interesting candidate for this approach is data based on the eXtensible Business Reporting Language (XBRL), a standard for business and financial reporting. Many institutions are making available or requiring data in this format, e.g. the U.S. Securities and Exchange Commission (SEC) through the EDGAR program. However, XBRL data is loosely interconnected and it is difficult to mix and query it. Our contribution is a translation from XBRL filings to Semantic Web technologies, which we have applied to more than 1000 filings obtaining more than 2 million triples. The resulting semantic data is easier to integrate and cross query. Moreover, it can be interconnected with the rest of the Web of Data in order to extract its full potential.

  2. 40 CFR 35.6670 - Financial reports.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... recipient must comply with the requirements regarding financial reporting described in 40 CFR 31.41. (b) Financial Status Report—(1) Content. (i) The Financial Status Report (SF-269) must include financial information by site, activity, and operable unit, as applicable. (ii) A final Financial Status Report...

  3. 40 CFR 35.6670 - Financial reports.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... recipient must comply with the requirements regarding financial reporting described in 40 CFR 31.41. (b) Financial Status Report—(1) Content. (i) The Financial Status Report (SF-269) must include financial information by site, activity, and operable unit, as applicable. (ii) A final Financial Status Report...

  4. Financial Knowledge and Best Practice Behavior

    ERIC Educational Resources Information Center

    Robb, Cliff A.; Woodyard, Ann S.

    2011-01-01

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

  5. First principles for financial modeling in medicine.

    PubMed

    Lexa, Frank James; Berlin, Jonathan W

    2005-03-01

    This article provides an overview of some of the core issues in business for physicians and is intended as an introduction. No prior understanding of business processes, finance, or accounting will be assumed or expected. The impetus for this work is the changing nature of medical practice in the United States in the past 20 years. Organizational changes and financial pressures challenge those of us in medicine as never before. For the vast majority of physicians, these realms are outside the scope of our traditional training and expertise. This article will provide an introduction to understanding these issues, starting with misconceptions about the overlap between medicine and finance. We will then introduce core concepts of cash vs. revenue, risk and uncertainty, and basic financial modeling.

  6. Financial Scandals and Student Loans

    ERIC Educational Resources Information Center

    Eisenberg, Meyer; Franke, Ann H.

    2007-01-01

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

  7. Teaching OOP with Financial Literacy

    ERIC Educational Resources Information Center

    Zhu, Hongwei

    2011-01-01

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

  8. Legislative Mandates and Financial Reporting.

    ERIC Educational Resources Information Center

    Bock, Almon C., II

    1983-01-01

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

  9. 75 FR 22680 - Financial Management Service; Proposed Collection of Information: Annual Financial Statement of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-29

    ... Fiscal Service Financial Management Service; Proposed Collection of Information: Annual Financial.... ADDRESSES: Direct all written comments to Financial Management Service, Records and Information Management... Financial Management Service solicits comments on the collection of information described below:...

  10. Information and hierarchical structure in financial markets

    NASA Astrophysics Data System (ADS)

    Mantegna, R. N.

    1999-09-01

    I investigate the information content present in the time series of stock prices of a portfolio of stocks traded in a financial market. By investigating the correlation coefficient between pairs of stocks I provide a working definition of a generalized distance between the stocks of the portfolio. This generalized distance is used to obtain an ultrametric distance matrix between the stocks. The ultrametric structure of the portfolio investigated has associated a taxonomy which is meaningful from an economic point of view.

  11. Financial preconditions for successful community initiatives for the uninsured.

    PubMed

    Song, Paula H; Smith, Dean G

    2007-01-01

    Community-based initiatives are increasingly being implemented as a strategy to address the health needs of the community, with a growing body of evidence on successes of various initiatives. This study addresses financial status indicators (preconditions) that might predict where community-based initiatives might have a better chance for success. We evaluated five community-based initiatives funded by the Communities in Charge (CIC) program sponsored by the Robert Wood Johnson Foundation. These initiatives focus on increasing access by easing financial barriers to care for the uninsured. At each site, we collected information on financial status indicators and interviewed key personnel from health services delivery and financing organizations. With full acknowledgment of the caveats associated with generalizations based on a small number of observations, we suggest four financial preconditions associated with successful initiation of CIC programs: (1) uncompensated care levels that negatively affect profitability, (2) reasonable financial stability of providers, (3) stable health insurance market, and (4) the potential to create new sources of funding. In general, sites that demonstrate successful program initiation are financially stressed enough by uncompensated care to gain the attention of local healthcare providers. However, they are not so strained and so concerned about revenue sources that they cannot afford to participate in the initiative. In addition to political and managerial indicators, we suggest that planning for community-based initiatives should include financial indicators of current health services delivery and financing organizations and consideration of whether they meet preconditions for success.

  12. How To Assess and Enhance Financial Health.

    ERIC Educational Resources Information Center

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

    2003-01-01

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

  13. US energy industry financial developments, 1993 second quarter

    SciTech Connect

    Not Available

    1993-09-29

    US Energy Industry Financial Developments, 1993 Second Quarter provides information on the financial performance of energy companies during the most recent reporting period. The data are taken from public sources such as the Wall Street Journal, Energy Information Administration publications, corporate press releases, and other public sources. Based on information provided in 1993 second quarter financial disclosures, net income for 114 petroleum companies--including 19 majors--rose 33 percent between the second quarter of 1992 and the second quarter of 1993. Both upstream (oil and gas exploration, development and production) operations and downstream (petroleum refining, marketing, and transport) contributed to the improved financial Performance of petroleum companies consolidated operations. Rate-regulated industries also showed positive income growth between the second quarter of 1992 and the second quarter of 1993 due to higher natural gas prices and increased electricity consumption.

  14. Informal Financial Assistance for Patients With a Hematological Malignancy: Implications for Oncology Social Work Practice.

    PubMed

    McGrath, Pam

    2015-01-01

    The article presents original research findings on informal financial assistance for hematological patients; that is, the gifts from family, friends, and communities that help patients cope with the financial hardship associated with cancer. The qualitative study involved interviews with 45 hematology patients that were audio-recorded, transcribed, coded, and then thematically analyzed. The findings examine the differing perspectives that individuals and families bring to the notion of informal financial aid, provide examples of individuals who require and receive informal financial assistance, and conclude with descriptions of those who require informal financial assistance but it is not available. The implications of the findings for oncology social work practice are explored.

  15. The Financial Impact of Using TMR in a Private Group Practice

    PubMed Central

    Templeton, Joan; Bernes, Marshall; Ostrowski, Maureen

    1982-01-01

    The installation of a computerized financial system is usually preceded by a cost-benefit analysis showing a positive impact on the facility's financial picture. The administration expects reduction in some operating costs (exclusive of the system and the installation costs) and an improvement in collecting accounts receivable. When California Primary Physicians installed TMR, certain costs were reduced, and the business office did become more efficient. However, because TMR is an integrated medical/financial system, other financial benefits accrued to the practice that billing systems would never be able to provide. This paper discusses the financial impact of TMR on cost reduction, accounts receivable collection, revenue tracking, and program development and marketing.

  16. Financial statistics of selected investor-owned electric utilities, 1989

    SciTech Connect

    Not Available

    1991-01-01

    The Financial Statistics of Selected Investor-Owned Electric Utilities publication presents summary and detailed financial accounting data on the investor-owned electric utilities. The objective of the publication is to provide the Federal and State governments, industry, and the general public with current and historical data that can be used for policymaking and decisionmaking purposes related to investor-owned electric utility issues.

  17. Neural antecedents of financial decisions.

    PubMed

    Knutson, Brian; Bossaerts, Peter

    2007-08-01

    To explain investing decisions, financial theorists invoke two opposing metrics: expected reward and risk. Recent advances in the spatial and temporal resolution of brain imaging techniques enable investigators to visualize changes in neural activation before financial decisions. Research using these methods indicates that although the ventral striatum plays a role in representation of expected reward, the insula may play a more prominent role in the representation of expected risk. Accumulating evidence also suggests that antecedent neural activation in these regions can be used to predict upcoming financial decisions. These findings have implications for predicting choices and for building a physiologically constrained theory of decision-making.

  18. An agent-based approach to financial stylized facts

    NASA Astrophysics Data System (ADS)

    Shimokawa, Tetsuya; Suzuki, Kyoko; Misawa, Tadanobu

    2007-06-01

    An important challenge of the financial theory in recent years is to construct more sophisticated models which have consistencies with as many financial stylized facts that cannot be explained by traditional models. Recently, psychological studies on decision making under uncertainty which originate in Kahneman and Tversky's research attract a lot of interest as key factors which figure out the financial stylized facts. These psychological results have been applied to the theory of investor's decision making and financial equilibrium modeling. This paper, following these behavioral financial studies, would like to propose an agent-based equilibrium model with prospect theoretical features of investors. Our goal is to point out a possibility that loss-averse feature of investors explains vast number of financial stylized facts and plays a crucial role in price formations of financial markets. Price process which is endogenously generated through our model has consistencies with, not only the equity premium puzzle and the volatility puzzle, but great kurtosis, asymmetry of return distribution, auto-correlation of return volatility, cross-correlation between return volatility and trading volume. Moreover, by using agent-based simulations, the paper also provides a rigorous explanation from the viewpoint of a lack of market liquidity to the size effect, which means that small-sized stocks enjoy excess returns compared to large-sized stocks.

  19. ESRD Managed Care Demonstration: Financial Implications

    PubMed Central

    Dykstra, Dawn M.; Beronja, Nancy; Menges, Joel; Gaylin, Daniel S.; Oppenheimer, Caitlin Carroll; Shapiro, Jennifer R.; Wolfe, Robert A.; Rubin, Robert J.; Held, Philip J.

    2003-01-01

    In 1996, CMS launched the end stage renal disease (ESRD) managed care demonstration to study the experience of offering managed care to ESRD patients. This article analyzes the financial impact of the demonstration, which sought to assess its economic impact on the Federal Government, the sites, and the ESRD Medicare beneficiaries. Medicare's costs for demonstration enrollees were greater than they would have been if these enrollees had remained in the fee-for-service (FFS) system. This loss was driven by the lower than average predicted Medicare spending given the demonstration patients' conditions. The sites experienced losses or only modest gains, primarily because they provided a larger benefit package than traditional Medicare coverage, including no patient obligations and other benefits, especially prescription drugs. Patient financial benefits were approximately $9,000 annually. PMID:14628400

  20. A quantitative description for efficient financial markets

    NASA Astrophysics Data System (ADS)

    Immonen, Eero

    2015-09-01

    In this article we develop a control system model for describing efficient financial markets. We define the efficiency of a financial market in quantitative terms by robust asymptotic price-value equality in this model. By invoking the Internal Model Principle of robust output regulation theory we then show that under No Bubble Conditions, in the proposed model, the market is efficient if and only if the following conditions hold true: (1) the traders, as a group, can identify any mispricing in asset value (even if no one single trader can do it accurately), and (2) the traders, as a group, incorporate an internal model of the value process (again, even if no one single trader knows it). This main result of the article, which deliberately avoids the requirement for investor rationality, demonstrates, in quantitative terms, that the more transparent the markets are, the more efficient they are. An extensive example is provided to illustrate the theoretical development.

  1. Levy Matrices and Financial Covariances

    NASA Astrophysics Data System (ADS)

    Burda, Zdzislaw; Jurkiewicz, Jerzy; Nowak, Maciej A.; Papp, Gabor; Zahed, Ismail

    2003-10-01

    In a given market, financial covariances capture the intra-stock correlations and can be used to address statistically the bulk nature of the market as a complex system. We provide a statistical analysis of three SP500 covariances with evidence for raw tail distributions. We study the stability of these tails against reshuffling for the SP500 data and show that the covariance with the strongest tails is robust, with a spectral density in remarkable agreement with random Lévy matrix theory. We study the inverse participation ratio for the three covariances. The strong localization observed at both ends of the spectral density is analogous to the localization exhibited in the random Lévy matrix ensemble. We discuss two competitive mechanisms responsible for the occurrence of an extensive and delocalized eigenvalue at the edge of the spectrum: (a) the Lévy character of the entries of the correlation matrix and (b) a sort of off-diagonal order induced by underlying inter-stock correlations. (b) can be destroyed by reshuffling, while (a) cannot. We show that the stocks with the largest scattering are the least susceptible to correlations, and likely candidates for the localized states. We introduce a simple model for price fluctuations which captures behavior of the SP500 covariances. It may be of importance for assets diversification.

  2. The financial status of Medicare.

    PubMed Central

    Foster, R S

    1998-01-01

    Medicare is the largest health care program in the country, providing medical care to 38 million aged and disabled Americans. Concerns over rapid cost increases and the imminent insolvency of the Medicare Hospital Insurance trust fund led to enactment of sweeping Medicare legislation as part of the Balanced Budget Act of 1997. Preliminary estimates indicate that this legislation will result in program savings of $150 billion in the first five years and will postpone the depletion of the Hospital Insurance fund from the year 2001 until about 2010. While the Balanced Budget Act significantly reduces Hospital Insurance expenditure in the long range, serious deficits are still expected when the "baby boom" generation reaches retirement. The Medicare Supplementary Medical Insurance trust fund is automatically in financial balance, but policy makers remain concerned about continuing rapid cost increases. A new National Bipartisan Commission on the Future of Medicare will attempt to determine effective solutions to these long-range problems. Images p110-a p111-a p111-b PMID:9719810

  3. Fractal properties of financial markets

    NASA Astrophysics Data System (ADS)

    Budinski-Petković, Lj.; Lončarević, I.; Jakšić, Z. M.; Vrhovac, S. B.

    2014-09-01

    We present an analysis of the USA stock market using a simple fractal function. Financial bubbles preceding the 1987, 2000 and 2007 crashes are investigated using the Besicovitch-Ursell fractal function. Fits show a good agreement with the S&P 500 data when a complete financial growth is considered, starting at the threshold of the abrupt growth and ending at the peak. Moving the final time of the fitting interval towards earlier dates causes growing discrepancy between two curves. On the basis of a detailed analysis of the financial index behavior we propose a method for identifying the stage of the current financial growth and estimating the time in which the index value is going to reach the maximum.

  4. 42 CFR 433.66 - Permissible provider-related donations.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 4 2011-10-01 2011-10-01 false Permissible provider-related donations. 433.66... Requirements State Financial Participation § 433.66 Permissible provider-related donations. (a) General rule... provider-related donations without a reduction in FFP, only in accordance with the requirements of...

  5. "It's at a time in your life when you are most vulnerable": a qualitative exploration of the financial impact of a cancer diagnosis and implications for financial protection in health.

    PubMed

    Timmons, Aileen; Gooberman-Hill, Rachael; Sharp, Linda

    2013-01-01

    Although cancer patients may incur a wide range of cancer-related out-of-pocket costs and experience reduced income, the consequences of this financial burden are poorly understood. We investigated: financial adjustments needed to cope with the cancer-related financial burden; financial distress (defined as a reaction to the state of personal finances); and factors that increase risk of financial difficulties. Two sets of semi-structured face-to-face interviews were conducted with 20 patients with breast, lung and prostate cancer and 21 hospital-based oncology social workers (OSWs) in Ireland, which has a mixed public-private healthcare system. Participants were asked about: strategies to cope with the cancer-related financial burden; the impact of the financial burden on the family budget, other aspects of daily life, and wellbeing. OSWs were also asked about patient groups they thought were more likely to experience financial difficulties. The two interview sets were analysed separately using a thematic approach. Financial adjustments included: using savings; borrowing money; relying on family and friends for direct and indirect financial help; and cutting back on household spending. Financial distress was common. Financial difficulties were more likely for patients who were older or younger, working at diagnosis, lacked social support, had dependent children, had low income or had few savings. These issues often interacted with one another. As has been seen in predominantly publically and predominantly privately-funded healthcare settings, a complex mixed public-private healthcare system does not always provide adequate financial protection post-cancer. Our findings highlight the need for a broader set of metrics to measure the financial impact of cancer (and to assess financial protection in health more generally); these should include: out-of-pocket direct medical and non-medical costs; changes in income; financial adjustments (including financial coping

  6. "It's at a Time in Your Life When You Are Most Vulnerable": A Qualitative Exploration of the Financial Impact of a Cancer Diagnosis and Implications for Financial Protection in Health

    PubMed Central

    Timmons, Aileen; Gooberman-Hill, Rachael; Sharp, Linda

    2013-01-01

    Although cancer patients may incur a wide range of cancer-related out-of-pocket costs and experience reduced income, the consequences of this financial burden are poorly understood. We investigated: financial adjustments needed to cope with the cancer-related financial burden; financial distress (defined as a reaction to the state of personal finances); and factors that increase risk of financial difficulties. Two sets of semi-structured face-to-face interviews were conducted with 20 patients with breast, lung and prostate cancer and 21 hospital-based oncology social workers (OSWs) in Ireland, which has a mixed public-private healthcare system. Participants were asked about: strategies to cope with the cancer-related financial burden; the impact of the financial burden on the family budget, other aspects of daily life, and wellbeing. OSWs were also asked about patient groups they thought were more likely to experience financial difficulties. The two interview sets were analysed separately using a thematic approach. Financial adjustments included: using savings; borrowing money; relying on family and friends for direct and indirect financial help; and cutting back on household spending. Financial distress was common. Financial difficulties were more likely for patients who were older or younger, working at diagnosis, lacked social support, had dependent children, had low income or had few savings. These issues often interacted with one another. As has been seen in predominantly publically and predominantly privately-funded healthcare settings, a complex mixed public-private healthcare system does not always provide adequate financial protection post-cancer. Our findings highlight the need for a broader set of metrics to measure the financial impact of cancer (and to assess financial protection in health more generally); these should include: out-of-pocket direct medical and non-medical costs; changes in income; financial adjustments (including financial coping

  7. Reading and understanding financial statements.

    PubMed

    White, Joseph P

    2005-01-01

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

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

    PubMed

    Townsend, Robert

    2010-09-01

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

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

    PubMed

    Townsend, Robert

    2010-09-01

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

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

    PubMed Central

    Townsend, Robert

    2010-01-01

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

  11. Financial Risk Protection and Universal Health Coverage: Evidence and Measurement Challenges

    PubMed Central

    Saksena, Priyanka; Hsu, Justine; Evans, David B.

    2014-01-01

    Financial risk protection is a key component of universal health coverage (UHC), which is defined as access to all needed quality health services without financial hardship. As part of the PLOS Medicine Collection on measurement of UHC, the aim of this paper is to examine and to compare and contrast existing measures of financial risk protection. The paper presents the rationale behind the methodologies for measuring financial risk protection and how this relates to UHC as well as some empirical examples of the types of measures. Additionally, the specific challenges related to monitoring inequalities in financial risk protection are discussed. The paper then goes on to examine and document the practical challenges associated with measurement of financial risk protection. This paper summarizes current thinking on the area of financial risk protection, provides novel insights, and suggests future developments that could be valuable in the context of monitoring progress towards UHC. PMID:25244520

  12. Do guns provide safety? At what cost?

    PubMed

    Narang, Puneet; Paladugu, Anubha; Manda, Sainath Reddy; Smock, William; Gosnay, Cynthia; Lippmann, Steven

    2010-02-01

    Many people feel that having a gun provides greater safety for them and their family. Actually, having a firearm in the home escalates the risk for death or injury, while using it to shoot someone who endangers the household is much less common. The resultant injuries, deaths, emotional turmoil, and/or disabilities lead to greater utilization of health care and legal/police services. Payment for these expenses is provided by higher insurance premiums and tax rates. This financial aspect has become a part of our country's current political concern over firearm ownership rights, gun violence or regulation, health care costs, the economy, and taxes. PMID:20065902

  13. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  14. 7 CFR 4279.137 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  15. 7 CFR 3430.56 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... ADMINISTRATIVE PROVISIONS Post-Award and Closeout § 3430.56 Financial reporting. (a) SF-269, Financial Status Report. Unless stated differently in the award terms and conditions, a final SF-269, Financial Status... its normal accounting system. When submitting a final SF-269, Financial Status Report, the...

  16. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 29 Labor 9 2013-07-01 2013-07-01 false Financial information. 4010.9 Section 4010.9 Labor... DISCLOSURE REQUIREMENTS ANNUAL FINANCIAL AND ACTUARIAL INFORMATION REPORTING § 4010.9 Financial information... with the instructions on PBGC's Web site, http://www.pbgc.gov, the following financial information...

  17. 14 CFR 1260.26 - Financial management.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

  18. 14 CFR 1260.26 - Financial management.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  19. 14 CFR 1260.26 - Financial management.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  20. Financial Management and Young Australian Workers

    ERIC Educational Resources Information Center

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

    2008-01-01

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

  1. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Financial derivatives. 563.172 Section 563.172 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SAVINGS ASSOCIATIONS-OPERATIONS Financial Management Policies § 563.172 Financial derivatives. (a) What is a financial...

  2. Adult Financial Capability Framework. Second Edition

    ERIC Educational Resources Information Center

    Basic Skills Agency, 2006

    2006-01-01

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

  3. 14 CFR 1260.26 - Financial management.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  4. 31 CFR 29.524 - Financial hardship.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  5. 31 CFR 226.6 - Financial reports.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  6. 38 CFR 21.6260 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Financial assistance. 21.6260 Section 21.6260 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS (CONTINUED... Recipients Financial Assistance § 21.6260 Financial assistance. (a) Direct financial assistance...

  7. 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…

  8. Simulating the microstructure of financial markets

    NASA Astrophysics Data System (ADS)

    Preis, Tobias

    2010-04-01

    In the beginning of exchange based trading, floor trading was the most widespread form of trading. In the course of the introduction and the progress in information technology, trading processes were adapted to the computational infrastructure at the international financial markets and electronic exchanges were created. These fully electronic exchanges are the starting point for recent agent-based models in econophysics, in which the explicit structure of electronic order books is integrated. The electronic order book structure builds the underlying framework of financial markets which is also contained in the recently introduced realistic Order Book Model [T. Preis et al., Europhys. Lett. 75, 510 (2006), T. Preis et al., Phys. Rev. E 76, 016108 (2007)]. This model provides the possibility to generate the stylized facts of financial markets with a very limited set of rules. This model is described and analyzed in detail. Using this model, it is possible to obtain short-term anti-correlated price time series. Furthermore, simple profitability aspects of the market participants can be reproduced. A nontrivial Hurst exponent can be obtained based on the introduction of a market trend, which leads to an anti-persistent scaling behavior of price changes on short time scales, a persistent scaling behavior on medium time scales, and a diffusive regime on long time scales. A coupling of the order placement depth to the prevailing market trend, which is identified to be a key variable in the Order Book Model, is able to reproduce fat-tailed price change distributions.

  9. Using financial ratios to assess physician practices.

    PubMed

    Doelling, P M

    1996-01-01

    Purchasing physician practices has become commonplace in the health care environment today. The most commonly used method to evaluate a physician's practice is the medical practice assessment. Although assessments include examining revenues, expenses, staffing ratios, collection ratios and other pertinent statistics, one of the often overlooked financial areas is the balance sheet. Evaluating a business, such as a medical practice, requires a thorough examination of the total financial picture including assets, liabilities, owner's equity or net worth, and the relationship of all the variables to each other. Ratios put the numbers into perspective by creating relationships between the balance sheet variables of assets, liabilities and owner's equity, and key income statement components of revenues, expenses and net income. As a result, ratios provide a unique perspective to the assessment process and enable a more complete analysis. This article examines the types and uses of ratios to assist physicians, managers, and hospital executives to better evaluate the financial viability of a physician's solo or group practice.

  10. Trend Switching Processes in Financial Markets

    NASA Astrophysics Data System (ADS)

    Preis, Tobias; Stanley, H. Eugene

    For an intriguing variety of switching processes in nature, the underlying complex system abruptly changes at a specific point from one state to another in a highly discontinuous fashion. Financial market fluctuations are characterized by many abrupt switchings creating increasing trends ("bubble formation") and decreasing trends ("bubble collapse"), on time scales ranging from macroscopic bubbles persisting for hundreds of days to microscopic bubbles persisting only for very short time scales. Our analysis is based on a German DAX Future data base containing 13,991,275 transactions recorded with a time resolution of 10- 2 s. For a parallel analysis, we use a data base of all S&P500 stocks providing 2,592,531 daily closing prices. We ask whether these ubiquitous switching processes have quantifiable features independent of the time horizon studied. We find striking scale-free behavior of the volatility after each switching occurs. We interpret our findings as being consistent with time-dependent collective behavior of financial market participants. We test the possible universality of our result by performing a parallel analysis of fluctuations in transaction volume and time intervals between trades. We show that these financial market switching processes have features similar to those present in phase transitions. We find that the well-known catastrophic bubbles that occur on large time scales - such as the most recent financial crisis - are no outliers but in fact single dramatic representatives caused by the formation of upward and downward trends on time scales varying over nine orders of magnitude from the very large down to the very small.

  11. Financial Burden of Health Care Expenditures: Turkey

    PubMed Central

    Sulku, S Nur; Bernard, D Minbay

    2012-01-01

    In this study, we examine whether and to what extent the health insurance system in Turkey provided adequate protection against high out of pocket expenditures in the period prior to “The Health Transformation Programme”. Furthermore, we examine the distribution of out of pocket expenditures by demographic characteristics, poverty status, health service type, access to health care and self-reported health status. We employ the 2002/03 National Household Health Expenditure Survey data to analyze financial burden of health care expenditure. Following the literature, we define high burdens as expenses above 10 and 20% of income. We find that 19% of the nonelderly population were living in families spending more than 10% of family income and that 14% of the nonelderly population were living in families spending more than 20% of family income on health care. Furthermore, the poor and those living in economically less developed regions had the greatest risk of high out of pocket burdens. The risk of high financial burdens varied by the type of insurance among the insured due to differences in benefits among the five separate public schemes that provided health insurance in the pre-reform period. Our results are robust to three alternative specifications of the burden measure and including elderly adults in the sample population. We see that prior to the reforms there were not adequate protection against high health expenditures. Our study provides a baseline against which policymakers can measure the success of the health care reform in terms of providing financial protection. PMID:23113149

  12. 77 FR 29884 - Assessment of Fees on Large Bank Holding Companies and Nonbank Financial Companies Supervised by...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-21

    ... of the Financial Stability Oversight Council (``FSOC'' or ``the Council''), as provided under Section... monitoring risks and emerging threats to U.S. financial stability. The OFR was established within the... sponsoring research related to financial stability, and by promoting best practices in risk management....

  13. 20 CFR 670.950 - What are the financial management responsibilities of Job Corps center operators and other...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... and other service providers must manage Job Corps funds using financial management information systems that meet the specifications and requirements of the Secretary. (b) These financial management systems... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false What are the financial...

  14. 20 CFR 670.950 - What are the financial management responsibilities of Job Corps center operators and other...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... and other service providers must manage Job Corps funds using financial management information systems that meet the specifications and requirements of the Secretary. (b) These financial management systems... 20 Employees' Benefits 3 2011-04-01 2011-04-01 false What are the financial...

  15. Financially At-Risk College Students: An Exploratory Investigation of Student Loan Debt and Prioritization of Debt Repayment

    ERIC Educational Resources Information Center

    Pinto, Mary Beth; Mansfield, Phylis M.

    2006-01-01

    College students today face heavy student loan debt that is intensified by the amount of credit card debt they carry. This study provides a profile of financially at-risk students based on their credit card usage behavior. When compared to the non-financially at-risk students, those in the financially at-risk group were found to have higher…

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

    ERIC Educational Resources Information Center

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

    2014-01-01

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

  17. 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

    ... COMMISSION ERNY Financial ETF Trust and ERNY Financial Advisors, LLC; Notice of Application May 13, 2013... Financial ETF Trust (``Trust'') and ERNY Financial Advisors, LLC (``Adviser''). Summary of Application... and/or Sub-Advisers. \\4\\ Depositary Receipts are typically issued by a financial institution,...

  18. Cashing In or Cashing Out: Tools for Measuring the Effectiveness & Outcomes of Financial Aid Events

    ERIC Educational Resources Information Center

    Kennedy, Brianna; Oliverez, Paz M.; Tierney, William G.

    2007-01-01

    Financial aid-related information and services are provided to students and families in a variety of ways. The timing of when information is shared with these groups also varies. Financial aid information is typically provided through events sponsored by high schools, colleges and universities, and multiple community and government-sponsored…

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

    ERIC Educational Resources Information Center

    US Financial Literacy and Education Commission, 2006

    2006-01-01

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

  20. Waukesha County Technical College 1998 Financial Activity and Condition Taxpayer Summary.

    ERIC Educational Resources Information Center

    Piotrowski, Craig

    The Waukesha County Technical College (WCTC) Financial Activity & Condition Taxpayer Summary (FACTS) provides a brief report on the financial operations of the college. The summary is prepared for the local community, which provides property and business tax and other support to WCTC. Press releases on the FACTS availability were sent out by WCTC…

  1. Exploring definitions of financial abuse in elderly Korean immigrants: the contribution of traditional cultural values.

    PubMed

    Lee, Hee Yun; Lee, Sang E; Eaton, Charissa K

    2012-10-01

    The purpose of this study is to explore the cultural definitions of financial abuse from the perspective of 124 elderly Korean immigrants and to examine the role of traditional cultural values in their definitions by using a mixed methods approach. The qualitative analysis generated four themes relevant to definition of financial abuse. A binary logistic regression indicated that those with stronger cultural adherence to traditional values had higher odds of providing culture-based definitions of financial abuse. Education is needed for health professionals, social service providers, and adult protective workers to increase their understanding of culture-specific experiences of financial abuse among ethnic minority elders.

  2. Analysis of 2000 Financial Forecasts and Annual Operating Statements. Report.

    ERIC Educational Resources Information Center

    Higher Education Funding Council for England, Bristol.

    This report provides a summary of financial projections for the higher education sector in England covering 1999-2000 to 2003-2004 and a summary of the sector's annual operating statements for 1999-2000 and 2000-2001. It is based on information provided by higher education institutions in July 2000. These forecasts were prepared before the outcome…

  3. Threats to financial system security

    SciTech Connect

    McGovern, D.E.

    1997-06-01

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

  4. Arizona's Application Service Provider.

    ERIC Educational Resources Information Center

    Jordan, Darla

    2002-01-01

    Describes the U.S.'s first statewide K-12 application service provider (ASP). The ASP, implemented by the Arizona School Facilities Board, provides access to productivity, communications, and education software programs from any Internet-enabled device, whether in the classroom or home. (EV)

  5. LMSS SERVICES FINANCIAL REPORT PROGRAM

    NASA Technical Reports Server (NTRS)

    Chamberlain, R. G.

    1994-01-01

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

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

    PubMed Central

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

    2014-01-01

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

  7. Public hospitals in peril: factors associated with financial distress.

    PubMed

    Ramamonjiarivelo, Zo; Weech-Maldonado, Robert; Hearld, Larry; Pradhan, Rohit

    2014-01-01

    As "safety net providers," public hospitals have played a major role in health care delivery, especially in serving the indigent and the uninsured. For several decades, public hospitals have been operating in a challenging environment, and some of them have experienced financial difficulties. The purpose of this study was to explore the organizational and environmental factors associated with public hospitals' financial distress. This study used a national sample of public hospitals based on longitudinal panel data from 1997 to 2009, resulting in a sample size of 7,257 hospital-year observations. The Altman Z-score method was applied to assess hospitals' financial condition. The significant findings from a random effects logistic regression model with state and year fixed-effects indicated that higher Medicare HMO penetration was associated with financial distress. Organizational variables such as health network, size, occupancy rate, and outpatient mix decreased the odds of financial distress; and membership in a multihospital system increased the odds of financial distress. PMID:25223157

  8. 42 CFR 438.804 - Primary care provider payment increases.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 4 2014-10-01 2014-10-01 false Primary care provider payment increases. 438.804... SERVICES (CONTINUED) MEDICAL ASSISTANCE PROGRAMS MANAGED CARE Conditions for Federal Financial Participation § 438.804 Primary care provider payment increases. (a) For MCO, PIHP or PAHP contracts that...

  9. A joint venture in providing home care and community service.

    PubMed

    Reifsteck, S

    1987-01-01

    General discussion of a joint venture providing home care and community service including future possibilities, business and financial aspects and demand is presented. The author then provides a group practice joint venture model including descriptions of operating structure, contract arrangements and management.

  10. Financial statistics major US publicly owned electric utilities 1996

    SciTech Connect

    1998-03-01

    The 1996 edition of The Financial Statistics of Major US Publicly Owned Electric Utilities publication presents 5 years (1992 through 1996) of summary financial data and current year detailed financial data on the major publicly owned electric utilities. The objective of the publication is to provide Federal and State governments, industry, and the general public with current and historical data that can be used for policymaking and decision making purposes related to publicly owned electric utility issues. Generator and nongenerator summaries are presented in this publication. Five years of summary financial data are provided. Summaries of generators for fiscal years ending June 30 and December 31, nongenerators for fiscal years ending June 30 and December 31, and summaries of all respondents are provided. The composite tables present aggregates of income statement and balance sheet data, as well as financial indicators. Composite tables also display electric operation and maintenance expenses, electric utility plant, number of consumers, sales of electricity, and operating revenue, and electric energy account data. 2 figs., 32 tabs.

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

    SciTech Connect

    Various

    2007-11-19

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

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

    ERIC Educational Resources Information Center

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

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

  13. Why Ecologists Should Care about Financial Markets.

    PubMed

    Galaz, Victor; Gars, Johan; Moberg, Fredrik; Nykvist, Björn; Repinski, Cecilia

    2015-10-01

    Financial actors such as international banks and investors play an important role in the global economy. This role is shifting due to financial innovations, increased sustainability ambitions from large financial actors, and changes in international commodity markets. These changes are creating new global connections that potentially make financial markets, actors, and instruments important aspects of global environmental change. Despite this, the way financial markets and actors affect ecosystem change in different parts of the world has seldom been elaborated in the literature. We summarize these financial trends, explore how they connect to ecosystems and ecological change in both direct and indirect ways, and elaborate on crucial research gaps. PMID:26411614

  14. Financial risk of the biotech industry versus the pharmaceutical industry.

    PubMed

    Golec, Joseph; Vernon, John A

    2009-01-01

    The biotech industry now accounts for a substantial and growing proportion of total R&D spending on new medicines. However, compared with the pharmaceutical industry, the biotech industry is financially fragile. This article illustrates the financial fragility of the biotech and pharmaceutical industries in the US and the implications of this fragility for the effects that government regulation could have on biotech firms. Graphical analysis and statistical tests were used to show how the biotech industry differs from the pharmaceutical industry. The two industries' characteristics were measured and compared, along with various measures of firms' financial risk and sensitivity to government regulation. Data from firms' financial statements provided accounting-based measures and firms' stock returns applied to a multifactor asset pricing model provided financial market measures. The biotech industry was by far the most research-intensive industry in the US, averaging 38% R&D intensity (ratio of R&D spending to total firm assets) over the past 25 years, compared with an average of 25% for the pharmaceutical industry and 3% for all other industries. Biotech firms exhibited lower and more volatile profits and higher market-related and size-related risk, and they suffered more negative stock returns in response to threatened government price regulation. Biotech firms' financial risks increase their costs of capital and make them more sensitive to government regulations that affect their financial prospects. As biotech products grow to represent a larger share of new medicines, general stock market conditions and government regulations could have a greater impact on the level of innovation of new medicines.

  15. Corporate Health and Wellness and the Financial Bottom Line

    PubMed Central

    Conradie, Christina Susanna; van der Merwe Smit, Eon; Malan, Daniel Pieter

    2016-01-01

    Objective: The research objective was to test the hypothesis that corporate health and wellness contributed positively to South African companies’ financial results. Methods: The past share market performance of eligible healthy companies, based on Discovery's Healthy Company Index, was tracked under three investment scenarios and compared with the market performance on the basis of the JSE FTSE All Share Index. Results: The evidence supports the hypothesis that a culture of health and wellness provides a financial advantage, in so far as the portfolio of healthy companies consistently outperformed the market over the selected simulations. Conclusions: Given the limitations of the investigation, namely small sample size, the brevity of the period of investigation, and the reliance on accessibility sampling, the research provides the first and preliminary evidence supportive of the direct financial benefits of companies’ wellness programs. PMID:26849271

  16. The Provident Principal.

    ERIC Educational Resources Information Center

    McCall, John R.

    This monograph offers leadership approaches for school principals. Discussion applies the business leadership theory of Warren Bennis and Burt Nanus to the role of the principal. Each of the booklet's three parts concludes with discussion questions. Part 1, "Visions and Values for the Provident Principal," demonstrates the importance of…

  17. Flagging Economy Propels Financial Education

    ERIC Educational Resources Information Center

    Manzo, Kathleen Kennedy

    2008-01-01

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

  18. The Gift of Financial Insecurity

    ERIC Educational Resources Information Center

    Wilson, Eric G.

    2009-01-01

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

  19. Accounting Principles and Financial Statements.

    ERIC Educational Resources Information Center

    Robinson, Daniel D.

    1973-01-01

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

  20. Banking and Related Financial Services.

    ERIC Educational Resources Information Center

    Snyder, Les

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

  1. Riding out a Financial Storm

    ERIC Educational Resources Information Center

    Evans, Randy C.

    2012-01-01

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

  2. Investment Clubs Teach Financial Literacy

    ERIC Educational Resources Information Center

    Cook, Sheri

    2007-01-01

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

  3. Changes in Journal Financial Management

    NASA Astrophysics Data System (ADS)

    Editorial Staff, Jce

    2009-06-01

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

  4. Financial Dislocations among Divorcing Families.

    ERIC Educational Resources Information Center

    Little, Marilyn J.

    Extensive economic changes may be brought about by divorce. In an attempt to demonstrate that the degree of financial dislocation following divorce depends on three factors--custody arrangements, wife's employment, and social class--data on men's and women's employment, income, and support payments were gathered for 222 divorcing families. Total…

  5. Financial Management in School Administration.

    ERIC Educational Resources Information Center

    Tronc, Keith, Ed.

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

  6. Timely Teaching Tips: Financial Planning.

    ERIC Educational Resources Information Center

    Keast, Anne C.; Leth, Gwendolyn I.

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

  7. Financial Responsibilities of Governing Boards.

    ERIC Educational Resources Information Center

    Reed, William S.

    2001-01-01

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

  8. When Financial Exigency Justifies Dismissal.

    ERIC Educational Resources Information Center

    Weeks, Kent M.

    1980-01-01

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

  9. 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.

  10. Financial versus Health Motivation to Quit Smoking: A Randomized Field Study

    PubMed Central

    Sindelar, Jody L.; O’Malley, Stephanie S.

    2016-01-01

    Objective Smoking is the most preventable cause of death, thus justifying efforts to effectively motivate quitting. We compared the effectiveness of financial versus health messages to motivate smoking cessation. Low-income individuals disproportionately smoke and, given their greater income constraints, we hypothesized that making financial costs of smoking more salient would encourage more smokers to try quitting. Further, we predicted financial messages would be stronger in financial settings where pecuniary constraints are most salient. Methods We conducted a field study in low-income areas of New Haven, Connecticut using brochures with separate health vs. financial messages to motivate smoking cessation. Displays were rotated among community settings—check-cashing, health clinics, and grocery stores. We randomized brochure displays with gain-framed cessation messages across locations. Results Our predictions were confirmed. Financial messages attracted significantly more attention than health messages, especially in financial settings. Conclusions These findings suggest greater emphasis on the financial gains to quitting and use of financial settings to provide cessation messages may be more effective in motivating quitting. Importantly, use of financial settings could open new, non-medical venues for encouraging cessation. Encouraging quitting could improve health, enhance spending power of low-income smokers, and reduce health disparities in both health and purchasing power. PMID:24139975

  11. Coherence and incoherence collective behavior in financial market

    NASA Astrophysics Data System (ADS)

    Zhao, Shangmei; Xie, Qiuchao; Lu, Qing; Jiang, Xin; Chen, Wei

    2015-10-01

    Financial markets have been extensively studied as highly complex evolving systems. In this paper, we quantify financial price fluctuations through a coupled dynamical system composed of phase oscillators. We find that a Financial Coherence and Incoherence (FCI) coexistence collective behavior emerges as the system evolves into the stable state, in which the stocks split into two groups: one is represented by coherent, phase-locked oscillators, the other is composed of incoherent, drifting oscillators. It is demonstrated that the size of the coherent stock groups fluctuates during the economic periods according to real-world financial instabilities or shocks. Further, we introduce the coherent characteristic matrix to characterize the involvement dynamics of stocks in the coherent groups. Clustering results on the matrix provides a novel manifestation of the correlations among stocks in the economic periods. Our analysis for components of the groups is consistent with the Global Industry Classification Standard (GICS) classification and can also figure out features for newly developed industries. These results can provide potentially implications on characterizing the inner dynamical structure of financial markets and making optimal investment into tragedies.

  12. Using Derivative Contracts to Mitigate Water Utility Financial Risks

    NASA Astrophysics Data System (ADS)

    Characklis, G. W.; Zeff, H.

    2012-12-01

    As developing new supply capacity has become increasingly expensive and difficult to permit, utilities have become more reliant on temporary demand management programs, such as outdoor water use restrictions, for ensuring reliability during drought. However, a significant fraction of water utility income is often derived from the volumetric sale of water, and such restrictions can lead to substantial revenue losses. Given that many utilities set prices at levels commensurate with recovering costs, these revenue losses can leave them financially vulnerable to budgetary shortfalls during drought. This work explores approaches for mitigating drought-related revenue losses through the use of third-party financial insurance contracts based on weather derivatives. Two different types of contracts are developed, and their efficacy is compared against two more traditional forms of financial hedging used by water utilities: drought surcharges and contingency funds (i.e. self insurance). Strategies involving each of these approaches, as well as their use in combination, are applied under conditions facing the water utility serving Durham, North Carolina. A multi-reservoir model provides information on the scale and timing of droughts, with the financial effects of these events simulated using detailed data derived from utility billing records. Results suggest that third-party derivative contracts, either independently or in combination with more traditional hedging tools (i.e. surcharges, contingency funds), can provide an effective means of reducing a utility's financial vulnerability to drought.

  13. Turning around a financially distressed practice: the operational review.

    PubMed

    Wolper, L F

    1999-01-01

    Given substantial changes in the marketplace, many physician practices have responded by growing rapidly, merging with or acquiring other practices, or selling the practice to physician practice management companies (PPMCs) or hospital systems. The hoped-for economies of scale, increased market share and profit, or other goals often have not come to fruition. Many practices now find themselves in difficult operational and financial circumstances. This article describes how group practices can solve such operational and financial problems while retaining independence and strategic control of the practice. The strategy involves retaining a professional turnaround company with expertise in reestablishing the financial security of group practices. The article provides characteristics of how turnaround companies operate and the key elements of operational reviews, the tool used by turnaround companies to detect and analyze existing practice problems. Operational reviews include organization analysis, management review, and financial analysis, each of which is described in detail. Finally, the article provides an in-depth case study of how one turnaround company reestablished the financial security of a nine-physician internal medicine group within a 2-year period.

  14. Living and deceased organ donation should be financially neutral acts.

    PubMed

    Delmonico, F L; Martin, D; Domínguez-Gil, B; Muller, E; Jha, V; Levin, A; Danovitch, G M; Capron, A M

    2015-05-01

    The supply of organs—particularly kidneys—donated by living and deceased donors falls short of the number of patients added annually to transplant waiting lists in the United States. To remedy this problem, a number of prominent physicians, ethicists, economists and others have mounted a campaign to suspend the prohibitions in the National Organ Transplant Act of 1984 (NOTA) on the buying and selling of organs. The argument that providing financial benefits would incentivize enough people to part with a kidney (or a portion of a liver) to clear the waiting lists is flawed. This commentary marshals arguments against the claim that the shortage of donor organs would best be overcome by providing financial incentives for donation. We can increase the number of organs available for transplantation by removing all financial disincentives that deter unpaid living or deceased kidney donation. These disincentives include a range of burdens, such as the costs of travel and lodging for medical evaluation and surgery, lost wages, and the expense of dependent care during the period of organ removal and recuperation. Organ donation should remain an act that is financially neutral for donors, neither imposing financial burdens nor enriching them monetarily. PMID:25833381

  15. Quantifying meta-correlations in financial markets

    NASA Astrophysics Data System (ADS)

    Kenett, Dror Y.; Preis, Tobias; Gur-Gershgoren, Gitit; Ben-Jacob, Eshel

    2012-08-01

    Financial markets are modular multi-level systems, in which the relationships between the individual components are not constant in time. Sudden changes in these relationships significantly affect the stability of the entire system, and vice versa. Our analysis is based on historical daily closing prices of the 30 components of the Dow Jones Industrial Average (DJIA) from March 15th, 1939 until December 31st, 2010. We quantify the correlation among these components by determining Pearson correlation coefficients, to investigate whether mean correlation of the entire portfolio can be used as a precursor for changes in the index return. To this end, we quantify the meta-correlation - the correlation of mean correlation and index return. We find that changes in index returns are significantly correlated with changes in mean correlation. Furthermore, we study the relationship between the index return and correlation volatility - the standard deviation of correlations for a given time interval. This parameter provides further evidence of the effect of the index on market correlations and their fluctuations. Our empirical findings provide new information and quantification of the index leverage effect, and have implications to risk management, portfolio optimization, and to the increased stability of financial markets.

  16. Achieving Provider Engagement

    PubMed Central

    Greenfield, Geva; Pappas, Yannis; Car, Josip; Majeed, Azeem; Harris, Matthew

    2014-01-01

    The literature on integrated care is limited with respect to practical learning and experience. Although some attention has been paid to organizational processes and structures, not enough is paid to people, relationships, and the importance of these in bringing about integration. Little is known, for example, about provider engagement in the organizational change process, how to obtain and maintain it, and how it is demonstrated in the delivery of integrated care. Based on qualitative data from the evaluation of a large-scale integrated care initiative in London, United Kingdom, we explored the role of provider engagement in effective integration of services. Using thematic analysis, we identified an evolving engagement narrative with three distinct phases: enthusiasm, antipathy, and ambivalence, and argue that health care managers need to be aware of the impact of professional engagement to succeed in advancing the integrated care agenda. PMID:25212855

  17. Provider panel presentations.

    PubMed

    Buckelew, Larry C; Harvey, Deborah; Mello, Joe

    2003-08-01

    To wrap up the three big items--attracting talent, the professional nurse role, and our structural disadvantages--I would offer the following take-away thoughts: We ought to do what we can to get our disproportionate share of RNs out of the health care system to work in dialysis. If we work together, we have a shot at making that happen. As an industry, we must exploit our strengths. We have to exploit the pride that comes in the services and the care that we provide. We need to create in a very visual way that difference for nurses who are considering which area of specialty to go into and where to create their careers. We, as providers, have a huge opportunity to create the right environment for our nurses. That's something we own. We have to fix it. We have to create a better place to work for nurses than any place else. We must create a more enriching place for nurses than anywhere else. That's up to us. I know a lot of us on the provider side are doing tons of things to make that happen and we need to keep driving that. We need a level playing field. We've proven the fact that we can deliver clinical outcomes with the best. Now we need help from our biggest customer to make sure we can compete for the resources that are necessary to sustain and improve those clinical outcomes on an ongoing basis. PMID:14533522

  18. Making the Case for Using Financial Indicators in Local Public Health Agencies

    PubMed Central

    Suarez, Virginia; Denison, Dwight

    2011-01-01

    The strength of the public health infrastructure determines the ability of local public health agencies to respond to emergencies and provide essential services. Organizational and systems capacity measures and assessments are important components of the public health infrastructure. Hospitals and governments have a long tradition of using financial indicators to assess fiscal and operational activities. We reviewed the literature on how hospitals use financial indicators to monitor financial risk, promote organizational sustainability, and improve organizational capacity. Given that financial indicators have not generally been employed by public health practitioners, we discuss how these measures can be applied to local public health agencies to improve their organizational capacity. PMID:21233438

  19. Analysis of Informationization Construction of Business Financial Management under the Network Economy

    NASA Astrophysics Data System (ADS)

    Dong, Yahui; Zhang, Pengwei; Li, Wei

    To strengthen the informationization construction of the financial management has great significance to the achievement of business management informationization, and under the network economic environment, it is an important task of the financial management that how to conduct informationization construction of traditional financial management to provide true, reliable and complete financial information system for the business managers. This paper thoroughly researches the problem of financial information orientation management (FIOM) by taking the method of combining theory with practice. This paper puts forward the thinking method of financial information management, makes the new contents of E-finance. At last, this paper rebuilds the system of finance internal control from four aspects such as control of organization and management, system development control and safety control of network system.

  20. Oil company financial analysis in mechanical language

    SciTech Connect

    Johnston, D.A.

    1992-01-01

    Explains financial concepts affecting the petroleum industry. Discusses mergers, restructuring, the financial roles of managers and shareholders, and forces that influence stock values. Shows how to read an oil company annual report.

  1. Financial Literacy: A Critical Adult Education Appraisal

    ERIC Educational Resources Information Center

    English, Leona M.

    2014-01-01

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

  2. 7 CFR 550.53 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... AGRICULTURE GENERAL ADMINISTRATIVE POLICY FOR NON-ASSISTANCE COOPERATIVE AGREEMENTS Management of Agreements Reports and Records § 550.53 Financial reporting. Financial Status Report. (a) Each REE Agency...

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

    ERIC Educational Resources Information Center

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

    2008-01-01

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

  4. Providing Contraception to Adolescents.

    PubMed

    Raidoo, Shandhini; Kaneshiro, Bliss

    2015-12-01

    Adolescents have high rates of unintended pregnancy and face unique reproductive health challenges. Providing confidential contraceptive services to adolescents is important in reducing the rate of unintended pregnancy. Long-acting contraception such as the intrauterine device and contraceptive implant are recommended as first-line contraceptives for adolescents because they are highly effective with few side effects. The use of barrier methods to prevent sexually transmitted infections should be encouraged. Adolescents have limited knowledge of reproductive health and contraceptive options, and their sources of information are often unreliable. Access to contraception is available through a variety of resources that continue to expand.

  5. The Provident Sea

    NASA Astrophysics Data System (ADS)

    Cushing, David H.

    1988-09-01

    The Provident Sea describes the history of fish stock management (including whales and seals). The book traces, on the basis of the original scientific material, the history of the management of "the provident sea" up to recent times when problems of over-exploitation have had dramatic effects upon stocks. The need for management arose mainly from the increasing industrialization of capture. Hence the preindustrial fisheries are covered, in particular the old cod fishery on the Grand Bank and the herring fishery in the North Sea, as an essential background to current problems. The origins of fisheries and whaling science are described, as is the development up to 1965 of the science and institution in fisheries, whaling, and sealing. In the sixties and seventies, certain major fishing nations took a heavy harvest of fish stocks using sophisticated and efficient gathering methods. This in turn led to conflict and one consequence was the "Law of the Sea" conference set up to try and resolve these issues.

  6. Financial Burden of Pediatric Cancer for Patients and Their Families

    PubMed Central

    Warner, Echo L.; Kirchhoff, Anne C.; Nam, Gina E.; Fluchel, Mark

    2015-01-01

    Purpose: Cancer treatment may cause financial stress for pediatric oncology patients and their families. We evaluated pediatric cancer caregivers' perceived financial burden related to socioeconomic factors (eg, parental employment) and health care use factors (eg, unexpected hospitalizations). Methods: A single-site, cross-sectional survey of primary caretakers of patients with childhood cancer was performed from July 2010 to July 2012. Eligible patients were treated at a pediatric cancer hospital, diagnosed at age ≤ 21 years and were ≤ 5 years from diagnosis (N = 254). Financial burden was rated on a visual analog scale of 0 to 100. Multivariable linear regression models were used to calculate coefficients and 95% CIs of financial burden by time since diagnosis. Results: Mean age at diagnosis was 6.8 years (SD = 5.5 years), and average time since diagnosis was 1.6 years (SD = 1.4 years). The most common diagnosis was leukemia (41.9%). When adjusted for sex, age at diagnosis, insurance status, and rural residence, caregivers whose child was 1 to 5 years from diagnosis with ≥ 5 unexpected hospitalizations experienced 24.9 (95% CI, 9.1 to 40.7; P < .01) points higher financial burden than those with no unexpected hospitalizations. In addition, when compared with families without employment disruptions, families of children 1 to 5 years from diagnosis in which a caregiver had quit or changed jobs reported 13.4 (95% CI, 3.2 to 23.6; P = .01) points higher financial burden. Conclusions: Efforts to reduce unexpected hospitalizations and employment disruptions by providing more comprehensive supportive care for pediatric patients with cancer could help ease families' financial burden. PMID:25316026

  7. Fundamentals of financial statement analysis for academic physician managers.

    PubMed

    Danzi, J T; Boom, M L

    1998-04-01

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

  8. 12 CFR 225.86 - What activities are permissible for any financial holding company?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... exclusive. (A) Hosting an electronic marketplace on the financial holding company's Internet web site by providing hypertext or similar links to the web sites of third party buyers or sellers. (B) Hosting on the financial holding company's servers the Internet web site of— (1) A buyer (or seller) that...

  9. 12 CFR 225.86 - What activities are permissible for any financial holding company?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... exclusive. (A) Hosting an electronic marketplace on the financial holding company's Internet web site by providing hypertext or similar links to the web sites of third party buyers or sellers. (B) Hosting on the financial holding company's servers the Internet web site of— (1) A buyer (or seller) that...

  10. 12 CFR 225.86 - What activities are permissible for any financial holding company?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... exclusive. (A) Hosting an electronic marketplace on the financial holding company's Internet web site by providing hypertext or similar links to the web sites of third party buyers or sellers. (B) Hosting on the financial holding company's servers the Internet web site of— (1) A buyer (or seller) that...

  11. Financial Report of the Ontario Universities, 2001-02. Volume I: Universities.

    ERIC Educational Resources Information Center

    Council of Ontario Universities, Toronto.

    This report contains detailed financial information that provides financial accountability to the Province of Ontario, Canada, for funds received by the 42 provincially assisted universities and colleges during the 2001-2002 fiscal year. It is the latest in an annual series that dates back more than 25 years. This volume contains information on…

  12. Financial statistics of selected publicly owned electric utilities 1989. [Contains glossary

    SciTech Connect

    Not Available

    1991-02-06

    The Financial Statistics of Selected Publicly Owned Electric Utilities publication presents summary and detailed financial accounting data on the publicly owned electric utilities. The objective of the publication is to provide the Federal and State governments, industry, and the general public with data that can be used for policymaking and decision making purposes relating to publicly owned electric utility issues. 21 tabs.

  13. 40 CFR 25.11 - Work elements in financial assistance agreements.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 40 Protection of Environment 1 2014-07-01 2014-07-01 false Work elements in financial assistance... CLEAN WATER ACT § 25.11 Work elements in financial assistance agreements. (a) This section is applicable... work element which reflects how public participation will be provided for, encouraged, and assisted...

  14. 40 CFR 25.11 - Work elements in financial assistance agreements.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 40 Protection of Environment 1 2013-07-01 2013-07-01 false Work elements in financial assistance... CLEAN WATER ACT § 25.11 Work elements in financial assistance agreements. (a) This section is applicable... work element which reflects how public participation will be provided for, encouraged, and assisted...

  15. 40 CFR 25.11 - Work elements in financial assistance agreements.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 40 Protection of Environment 1 2012-07-01 2012-07-01 false Work elements in financial assistance... CLEAN WATER ACT § 25.11 Work elements in financial assistance agreements. (a) This section is applicable... work element which reflects how public participation will be provided for, encouraged, and assisted...

  16. Financial Report of Ontario Universities, 2001-02. Volume II: Affiliated and Federated Colleges and Universities.

    ERIC Educational Resources Information Center

    Council of Ontario Universities, Toronto.

    This report contains detailed financial information that provides financial accountability to the Province of Ontario, Canada, for funds received by the 42 provincially assisted universities and colleges during the 2001-2002 fiscal year. It is the latest in an annual series that dates back more than 25 years. This volume contains information on 21…

  17. Using Internet Resources in Teaching Financial Reporting and Analysis of Multinational Enterprises.

    ERIC Educational Resources Information Center

    Agami, Abdel M.

    2003-01-01

    Provides some sources of corporate financial information on the Internet and illustrates how to use these resources in teaching international business and, more specifically, financial reporting and analysis of multinational enterprises. Points out some of the advantages and limitations of these resources. (EV)

  18. Personal and Family Financial Planning: A Resource Manual for Community College Instructors.

    ERIC Educational Resources Information Center

    Dettman, Norb; And Others

    This resource manual was designed to improve community college instructors' understanding of personal and family financial planning (PFFP) and to provide them with guidelines for developing and implementing PFFP programs. After introductory material, the manual presents a five-part teaching guide, "Teaching Personal and Family Financial Planning…

  19. 78 FR 39157 - Establishing the President's Advisory Council on Financial Capability for Young Americans

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-28

    ... the policy of the Federal Government to promote financial capability among young Americans and... workers; State, tribal, and local government policy makers; financial services providers; and innovators... From the Federal Register Online via the Government Publishing Office ] Vol. 78 Friday, No....

  20. Lots of Money, Limited Options: College Choice and Student Financial Aid

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

    2004-01-01

    Financial aid and college preparatory programs are designed in part to allow students from low-income families to have the same choices of institutions as those from middle- and upper-income groups. Unfortunately, despite providing more than $100 billion in financial aid and college preparatory assistance, state and federal policy makers have been…

  1. Research Tools, Tips, and Resources for Financial Aid Administrators. Monograph, A NASFAA Series.

    ERIC Educational Resources Information Center

    Mohning, David D.; Redd, Kenneth E.; Simmons, Barry W., Sr.

    This monograph provides research tools, tips, and resources to financial aid administrators who need to undertake research tasks. It answers: What is research? How can financial aid administrators get started on research projects? What resources are available to help answer research questions quickly and accurately? How can research efforts assist…

  2. 17 CFR 1.10 - Financial reports of futures commission merchants and introducing brokers.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... provide a compilation report of financial statements of warehousemen for purposes of Uniform Grain Storage... of a financial report prepared by a grain commission firm which has been authorized by the Deputy....) Editorial Note: For Federal Register citations affecting § 1.10, see the List of CFR Sections...

  3. 75 FR 10561 - Request for Public Comment: Community Development Financial Institutions Fund, Community...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-08

    ... venture capital funds? If so, what proportion of the funding should be designated for CDFI banks and CDFI... CDFI Fund's mission is to expand the capacity of financial institutions to provide credit, capital and... its purpose by promoting access to capital and local economic growth through: (a) CDFI financial...

  4. 12 CFR 1005.18 - Requirements for financial institutions offering payroll card accounts.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... offering payroll card accounts. 1005.18 Section 1005.18 Banks and Banking BUREAU OF CONSUMER FINANCIAL... offering payroll card accounts. (a) Coverage. A financial institution shall comply with all applicable requirements of the Act and this part with respect to payroll card accounts except as provided in this...

  5. 12 CFR 1005.18 - Requirements for financial institutions offering payroll card accounts.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... offering payroll card accounts. 1005.18 Section 1005.18 Banks and Banking BUREAU OF CONSUMER FINANCIAL... offering payroll card accounts. (a) Coverage. A financial institution shall comply with all applicable requirements of the Act and this part with respect to payroll card accounts except as provided in this...

  6. Comparative Financial Statistics for Pennsylvania Community Colleges. Maury Overholt Report. Fourteenth Annual Report.

    ERIC Educational Resources Information Center

    Pennsylvania State Commission for Community Colleges, Harrisburg.

    Compiled to assist Pennsylvania community colleges in analyzing their financial performance in relation to their peers, this report contains financial and historical data for the 14 colleges in the state for fiscal year (FY) 1993-94 and projections for years 1994-95 and 1995-96. Section I provides tables detailing reimbursement requests for…

  7. 76 FR 15993 - Revision of Agency Information Collection for Financial Assistance and Social Services

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-22

    ... Bureau of Indian Affairs Revision of Agency Information Collection for Financial Assistance and Social... Budget a revision to the information collection, titled ``Financial Assistance & Social Services, 25 CFR... expires March 31, 2012. The information collection requires applicants to provide information in...

  8. 41 CFR 105-72.301 - Standards for financial management systems.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Management § 105-72.301 Standards for financial management systems. (a) Federal awarding agencies shall... practical. (b) Recipients' financial management systems shall provide for the following. (1) Accurate... 41 Public Contracts and Property Management 3 2010-07-01 2010-07-01 false Standards for...

  9. 45 CFR 201.15 - Deferral of claims for Federal financial participation.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... participation. 201.15 Section 201.15 Public Welfare Regulations Relating to Public Welfare OFFICE OF FAMILY... Federal financial participation. (a) Scope. Except as otherwise provided, this section applies to all claims for Federal financial participation submitted by States pursuant to titles I, IV, X, XIV,...

  10. 76 FR 38059 - Defining Larger Participants in Certain Consumer Financial Products and Services Markets

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-29

    ...-reloadable open loop payment cards, closed- loop gift or store cards,\\27\\ electronic benefits transfer cards... Financial Products and Services Markets AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice and... supervision coverage varies for different product markets. Section 1024 of the Act provides that the CFPB...

  11. 40 CFR 25.11 - Work elements in financial assistance agreements.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 40 Protection of Environment 1 2011-07-01 2011-07-01 false Work elements in financial assistance... CLEAN WATER ACT § 25.11 Work elements in financial assistance agreements. (a) This section is applicable... work element which reflects how public participation will be provided for, encouraged, and assisted...

  12. 40 CFR 25.11 - Work elements in financial assistance agreements.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Work elements in financial assistance... CLEAN WATER ACT § 25.11 Work elements in financial assistance agreements. (a) This section is applicable... work element which reflects how public participation will be provided for, encouraged, and assisted...

  13. 10 CFR 1.31 - Office of the Chief Financial Officer.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ...— (a) Oversees all financial management activities relating to NRC's programs and operations and provides advice to the Chairman on financial management matters; (b) Develops and transmits the NRC's budget estimates to the Office of Management and Budget (OMB) and Congress; (c) Establishes...

  14. 10 CFR 1.31 - Office of the Chief Financial Officer.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...— (a) Oversees all financial management activities relating to NRC's programs and operations and provides advice to the Chairman on financial management matters; (b) Develops and transmits the NRC's budget estimates to the Office of Management and Budget (OMB) and Congress; (c) Establishes...

  15. 10 CFR 1.31 - Office of the Chief Financial Officer.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...— (a) Oversees all financial management activities relating to NRC's programs and operations and provides advice to the Chairman on financial management matters; (b) Develops and transmits the NRC's budget estimates to the Office of Management and Budget (OMB) and Congress; (c) Establishes...

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

    ERIC Educational Resources Information Center

    Huang, Futao

    2011-01-01

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

  17. Pathways to Career Success for Women: A Resource Guide to Colleges, Financial Aid, and Work.

    ERIC Educational Resources Information Center

    Powley, Sherry; Sabol, Laurie

    This book provides essays on career topics aimed at women and a directory of tools to help women get started or take their career to the next level. The essays topics are equal education and employment; role models, networks, and mentors for women; financial management; child care; introduction to financial aid; women's colleges and women's…

  18. Ethics and Ethos in Financial Reporting: Analyzing Persuasive Language in Earnings Calls

    ERIC Educational Resources Information Center

    Crawford Camiciottoli, Belinda

    2011-01-01

    In response to ongoing concerns about financial ethics, this study analyzes the speech of company executives in quarterly earnings conference calls to understand strategic usage of ethics-related language. Against the backdrop of the recent global financial crisis, the Aristotelian concept of ethos provides a framework to investigate linguistic…

  19. The Student Guide: Financial Aid from the U.S. Department of Education, 2005-2006

    ERIC Educational Resources Information Center

    US Department of Education, 2005

    2005-01-01

    This student guide provides financial aid information for high school seniors and college students. The first few pages of this guide are a quick reference to federal student aid programs and how to apply. Most student financial aid comes from the federal government programs, which the U.S. Department of Education's Federal Student Aid (FSA)…

  20. Washington Rises: Public Financial Support for Intellectual Disability in the United States, 1955-2004

    ERIC Educational Resources Information Center

    Braddock, David

    2007-01-01

    Public financial support for intellectual disability in the United States grew from 2.3 billion in 1955 to 82.6 billion in 2004, and the federal government emerged during this period as the principal provider of such support. Notwithstanding this unprecedented growth in financial support, many inequities persist today in the distribution of…

  1. SMART Money: Do Financial Incentives Encourage College Students to Study Science?

    ERIC Educational Resources Information Center

    Evans, Brent J.

    2012-01-01

    This research examines the short term success of a postsecondary federal financial aid program, the SMART Grant, designed to increase this stock of scientific human capital. An exploration of the success of this program provides the opportunity to address two critically important research questions. Do financial incentives encourage students to…

  2. Financial Aid Awarded, Fiscal Year 2003: Grants, Loans, and Student Earnings from Work-Study Jobs.

    ERIC Educational Resources Information Center

    Minnesota Higher Education Services Office, 2004

    2004-01-01

    This report presents information on financial resources provided to undergraduates at Minnesota post-secondary institutions. The financial resources reported are grants, loans, and student earnings that help students pay tuition, fees, room and board, and other costs of attending post-secondary education. This report presents information for…

  3. How Latino Students Pay for College: Patterns of Financial Aid in 2003-04

    ERIC Educational Resources Information Center

    Santiago, Deborah A.; Cunningham, Alisa F.

    2005-01-01

    Financial aid plays a critical role in the postsecondary education of Latino students. However, very little comprehensive and easy to understand information is available about what types or how much financial aid Latinos receive. The goal of this brief is to provide timely and accurate information about how Latino undergraduates currently…

  4. Why Can't I Have Everything? Teaching Today's Children to Be Financially and Mathematically Savvy

    ERIC Educational Resources Information Center

    Crawford, Jane

    2011-01-01

    Do you want your children to be financially and mathematically savvy? This resource for grades preK-2 is a must-have for parents and teachers. It provides more than forty activity-rich lessons to help children be financially and mathematically savvy at a young age. The activities embrace the following questions: (1) What is money?; (2) Where do we…

  5. 15 CFR 8b.24 - Financial and employment assistance to students.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... students. 8b.24 Section 8b.24 Commerce and Foreign Trade Office of the Secretary of Commerce PROHIBITION OF... Secondary Education § 8b.24 Financial and employment assistance to students. (a) Provision of financial... person that provides assistance to any of the recipient's students in a manner that discriminates...

  6. Understanding Financial Statements. A Strategic Guide for Independent College & University Boards.

    ERIC Educational Resources Information Center

    McCarthy, John H.; Turner, Robert M.; Johnson, Sandra L., Ed.

    1997-01-01

    This guide for members of the governing boards of independent colleges and universities is intended to provide information necessary to an understanding of college and university financial statements, especially annual financial statements. Following an introductory chapter, chapter 2 identifies key questions and strategic issues facing…

  7. 14 CFR 291.41 - Financial and statistical reporting-general.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 14 Aeronautics and Space 4 2010-01-01 2010-01-01 false Financial and statistical reporting-general. 291.41 Section 291.41 Aeronautics and Space OFFICE OF THE SECRETARY, DEPARTMENT OF TRANSPORTATION... Rules § 291.41 Financial and statistical reporting—general. (a) Carriers providing cargo operations...

  8. 17 CFR 229.308T - (Item 308T) Internal control over financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false (Item 308T) Internal control... § 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...

  9. 17 CFR 229.308 - (Item 308) Internal control over financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false (Item 308) Internal control... § 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...

  10. The Critical Difference: Student Financial Aid and Educational Opportunities in California.

    ERIC Educational Resources Information Center

    Eureka Project, Sacramento, CA.

    Student financial aid in California is a major, complex educational industry, with expenditures of approximately $1,500,000,000 for 1988. Information is provided on whether the student financial system as a whole has made a critical difference to who can afford to go to college, who has gone to college, and where students have gone to college. The…

  11. Financial statistics of selected publicly owned electric utilities 1990. [Contains Glossary

    SciTech Connect

    Not Available

    1992-02-12

    The Financial Statistics of Selected Publicly Owned Electric Utilities publication presents summary and detailed financial accounting data on the publicly owned electric utilities. The objective of the publication is to provide Federal and State governments, industry, and the general public with data that can be used for policymaking and decisionmaking purposes relating to publicly owned electric utility issues. (VC)

  12. Financial statistics of major investor-owned electric utilities, 1991. [Contains glossary

    SciTech Connect

    Not Available

    1993-01-26

    The Financial Statistics of major Investor-Owned Electric Utilities publication presents summary and detailed financial accounting data on the investor-owned electric utilities. The objective of the publication is to provide Federal and State governments, industry, and the general public with current and historical data that can be used for policymaking and decisionmaking purposes related to investor-owned electric utility issues.

  13. State Tuition, Fees, and Financial Assistance Policies: For Public Colleges and Universities, 2010-11

    ERIC Educational Resources Information Center

    Bell, Allison C.; Carnahan, Julie; L'Orange, Hans P.

    2011-01-01

    This report, "State Tuition, Fees, and Financial Assistance Policies for Public Colleges and Universities: 2010-11", examines the philosophies, policies, and procedures that influence decision-making regarding public college and university tuition, student fees, and student financial aid programs. This report also provides information related to…

  14. Phases of Recognition and Management of Financial Crisis in Public Organizations.

    ERIC Educational Resources Information Center

    Jones, L. R.

    Based in part on interviews conducted in 32 municipalities, this paper is intended to provide information to public managers, policy analysts, and others on methods for improving the management of retrenchment. A model summarizes how public organizations recognize and attempt to manage financial crises and prolonged financial stress. Some cutback…

  15. 14 CFR 291.41 - Financial and statistical reporting-general.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 14 Aeronautics and Space 4 2013-01-01 2013-01-01 false Financial and statistical reporting-general. 291.41 Section 291.41 Aeronautics and Space OFFICE OF THE SECRETARY, DEPARTMENT OF TRANSPORTATION... Rules § 291.41 Financial and statistical reporting—general. (a) Carriers providing cargo operations...

  16. 14 CFR 291.41 - Financial and statistical reporting-general.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 14 Aeronautics and Space 4 2012-01-01 2012-01-01 false Financial and statistical reporting-general. 291.41 Section 291.41 Aeronautics and Space OFFICE OF THE SECRETARY, DEPARTMENT OF TRANSPORTATION... Rules § 291.41 Financial and statistical reporting—general. (a) Carriers providing cargo operations...

  17. 14 CFR 291.41 - Financial and statistical reporting-general.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 14 Aeronautics and Space 4 2014-01-01 2014-01-01 false Financial and statistical reporting-general. 291.41 Section 291.41 Aeronautics and Space OFFICE OF THE SECRETARY, DEPARTMENT OF TRANSPORTATION... Rules § 291.41 Financial and statistical reporting—general. (a) Carriers providing cargo operations...

  18. 14 CFR 291.41 - Financial and statistical reporting-general.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 14 Aeronautics and Space 4 2011-01-01 2011-01-01 false Financial and statistical reporting-general. 291.41 Section 291.41 Aeronautics and Space OFFICE OF THE SECRETARY, DEPARTMENT OF TRANSPORTATION... Rules § 291.41 Financial and statistical reporting—general. (a) Carriers providing cargo operations...

  19. 24 CFR 1710.112 - Financial information.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  20. 29 CFR 97.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Financial reporting. 97.41 Section 97.41 Labor Office of the... LOCAL GOVERNMENTS Post-Award Requirements Reports, Records Retention, and Enforcement § 97.41 Financial... other forms as may from time to time be authorized by OMB, for: (i) Submitting financial reports...