Science.gov

Sample records for achieve financial independence

  1. Student Financial Aid and the Independent Student.

    ERIC Educational Resources Information Center

    Eads, Janet M.

    The definition of independent student that is used in determining eligibility for federal student financial aid is examined, along with potential compliance problems for independent students and differential treatment of independent and dependent students. Major factors for defining independence for students receiving federal financial aid are:…

  2. Financial Energy Conservation Projects at Independent Colleges and Universities.

    ERIC Educational Resources Information Center

    Morrell, L. R.

    1981-01-01

    Factors affecting financial decisions for energy conservation projects at independent colleges and universities and methods that may be used when making a financial investment decision are examined, along with sources of funding for the projects. Projects that result in the conservation of energy resources might, in a time of extreme shortages,…

  3. Achieving Robustness to Uncertainty for Financial Decision-making

    SciTech Connect

    Barnum, George M.; Van Buren, Kendra L.; Hemez, Francois M.; Song, Peter

    2014-01-10

    This report investigates the concept of robustness analysis to support financial decision-making. Financial models, that forecast future stock returns or market conditions, depend on assumptions that might be unwarranted and variables that might exhibit large fluctuations from their last-known values. The analysis of robustness explores these sources of uncertainty, and recommends model settings such that the forecasts used for decision-making are as insensitive as possible to the uncertainty. A proof-of-concept is presented with the Capital Asset Pricing Model. The robustness of model predictions is assessed using info-gap decision theory. Info-gaps are models of uncertainty that express the “distance,” or gap of information, between what is known and what needs to be known in order to support the decision. The analysis yields a description of worst-case stock returns as a function of increasing gaps in our knowledge. The analyst can then decide on the best course of action by trading-off worst-case performance with “risk”, which is how much uncertainty they think needs to be accommodated in the future. The report also discusses the Graphical User Interface, developed using the MATLAB® programming environment, such that the user can control the analysis through an easy-to-navigate interface. Three directions of future work are identified to enhance the present software. First, the code should be re-written using the Python scientific programming software. This change will achieve greater cross-platform compatibility, better portability, allow for a more professional appearance, and render it independent from a commercial license, which MATLAB® requires. Second, a capability should be developed to allow users to quickly implement and analyze their own models. This will facilitate application of the software to the evaluation of proprietary financial models. The third enhancement proposed is to add the ability to evaluate multiple models simultaneously

  4. Family Socialization, Economic Self-Efficacy, and the Attainment of Financial Independence in Early Adulthood

    PubMed Central

    Lee, Jennifer C.; Mortimer, Jeylan T.

    2009-01-01

    The attainment of financial independence is a key marker of the contemporary transition to adulthood. In this study we ask, how do young adults gain the capacity to support themselves? We contend that communication about work in the family during adolescence is an important precursor of economic self-efficacy during adolescence, which is positively associated with financial independence in early adulthood. Drawing upon rich longitudinal data that span adolescence and young adulthood, we first ask whether family communication and socialization practices surrounding work and finances influence the development of ways of thinking about oneself that imply self-reliance and confidence in the economic domain (economic self-efficacy). Second, we assess whether economic self-efficacy, measured during adolescence, has a long-term influence on the transition to adulthood, status attainment, and financial independence. Our findings indicate that direct communications about work with parents foster the development of economic self-efficacy. This positive dimension of the self-concept fosters achievement during the transition to adulthood (e.g., educational achievement, employment status, and income attainment), which, in turn, heighten financial independence in early adulthood. PMID:22025928

  5. Oil Independence: Achievable National Goal or Empty Slogan?

    SciTech Connect

    Greene, David L; Leiby, Paul Newsome; Patterson, Philip D; Plotkin, Steven E; Singh, Margaret K

    2007-01-01

    Oil independence has been a goal of U.S. energy policy for the past 30 years yet has never been rigorously defined. A rigorous, measurable definition is proposed: to reduce the costs of oil dependence to less than 1% of GDP in the next 20 to 25 years, with 95% probability. A simulation model incorporating the possibility of future oil supply disruptions and other sources of uncertainty is used to test whether two alternative energy policy strategies, Business as Usual and an interpretation of the strategy proposed by the National Commission on Energy Policy (NCEP), can achieve oil independence for the United States. Business as Usual does not produce oil independence. The augmented NCEP strategy comes close to achieving oil independence for the U.S. economy within the next 20-25 years but more is needed. The success of the strategy appears to be robust regardless of how the Organization of the Petroleum Exporting Countries (OPEC) responds to it. Expected annual savings are estimated to exceed $250 billion per year by 2030.

  6. Leadership skills help financial managers achieve career success.

    PubMed

    Kowalski, R B; Campbell, M W

    2000-04-01

    Financial managers who want to distinguish themselves in their organizations need to demonstrate their leadership ability. Because financial managers sometimes overlook the need for leadership skills, cultivating mentors who can teach them specific leadership skills, such as improved communications and entrepreneurship, may be necessary. Healthcare financial managers can sharpen their leadership skills by distinguishing between leadership and management, adopting a new mentoring model, evaluating the usefulness of new management techniques, understanding the connection between technology and leadership, looking for the solution beyond the problem, and being seen and heard within the organization. PMID:10915351

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

    ERIC Educational Resources Information Center

    Broun, Dan

    2014-01-01

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

  8. The Independent School Financial Model Is Broken: Here's How We Fix It

    ERIC Educational Resources Information Center

    Farber, John S.

    2012-01-01

    All of those who work in independent schools have read a variety of material regarding strategies to improve their financial model. But as the author sees it, in the current economic conditions, there are really only two possible solutions for improving financial structures. They can no longer rely on their traditional strategy of increasing…

  9. Achievement Patterns of Students in an Elite, Male Independent School

    ERIC Educational Resources Information Center

    Trusty, Edward Maurice, Jr.

    2009-01-01

    There is an underlying assumption that regardless of student ethnicity, socio-economic status, or any other variable, elite, independent schools by mission and design are effective at producing successful students. This would cause some to conclude that all students enrolled in elite, independent schools perform similarly on all academic measures.…

  10. iPads for Access, Independence, and Achievement

    ERIC Educational Resources Information Center

    Bricker, Victoria

    2015-01-01

    Access to instruction is key to students' success. Deaf and hard of hearing students who gain skills to become independent learners are better prepared to pursue higher-level education with confidence and to have independence in the work place environment (Anderson, 2014). As an itinerant educator, Victoria Bricker works with students' teachers…

  11. The Independent School Financial Model--Is It Sustainable?

    ERIC Educational Resources Information Center

    Lourie, David

    2016-01-01

    Almost seven years removed, the Great Recession still looms large in the minds of independent school trustees and administrators. While not producing many positives in the lives of our schools and the nation's economy, it did instigate important and long overdue questions and discussions about the long-term sustainability of the so-called…

  12. Financial Aid Tipping Points: An Analysis of Aid and Academic Achievement at a California Community College

    ERIC Educational Resources Information Center

    Coria, Elizabeth; Hoffman, John L.

    2016-01-01

    The purpose of this study was to explore relationships between financial aid awards and measures of student academic achievement. Financial aid and academic records for 11,956 students attending an urban California community college were examined and analyzed using simultaneous linear regression and two-way factorial ANOVAs. Findings revealed a…

  13. Financial Circumstances, Financial Difficulties and Academic Achievement among First-Year Undergraduates

    ERIC Educational Resources Information Center

    Harding, Jamie

    2011-01-01

    Many governments have adopted a policy of seeking to increase the number of students entering higher education and to finance this expansion by transferring costs from the state to the individual. In the United Kingdom, this policy has been pursued with relatively little concern for the impact that the increasing financial burden may have on…

  14. Financial Incentives and Student Achievement: Evidence from Randomized Trials. NBER Working Paper No. 15898

    ERIC Educational Resources Information Center

    Fryer, Roland G., Jr.

    2010-01-01

    This paper describes a series of school-based randomized trials in over 250 urban schools designed to test the impact of financial incentives on student achievement. In stark contrast to simple economic models, our results suggest that student incentives increase achievement when the rewards are given for inputs to the educational production…

  15. Race and Financial Strain are Independent Correlates of Sleep in Midlife Women: The SWAN Sleep Study

    PubMed Central

    Hall, Martica H.; Matthews, Karen A.; Kravitz, Howard M.; Gold, Ellen B.; Buysse, Daniel J.; Bromberger, Joyce T.; Owens, Jane F.; Sowers, MaryFran

    2009-01-01

    Study Objectives: To examine racial differences in sleep in a large cohort of midlife women and to evaluate whether indices of socioeconomic status (SES) are associated with racial differences in sleep. Design: Cross-sectional study. Setting: Participants' homes. Participants: Caucasian (n = 171), African American (n = 138) and Chinese women (n = 59). Interventions: None. Measurements: Sleep quality was assessed with the Pittsburgh Sleep Quality Index. Polysomnographically assessed sleep duration, continuity, architecture, and NREM electroencephalograhic (EEG) power were calculated over multiple nights. Sleep disordered breathing and periodic leg movements were measured on a separate night. Linear regression analysis was used to model the independent and synergistic effects of race and SES on sleep after adjusting for other factors that impact sleep in midlife women. Indices of SES were self-reported educational attainment and financial strain. Results: Sleep was worse in African American women than Caucasian participants as measured by self-report, visual sleep stage scoring, and NREM EEG power. Slow wave sleep differences were also observed between Chinese and Caucasian participants. Racial differences persisted after adjustment for indices of SES. Although educational attainment was unrelated to sleep, financial strain was associated with decreased sleep quality and lower sleep efficiency. Financial strain-by-race interactions were not statistically significant, suggesting that financial strain has additive effects on sleep, independent of race. Conclusions: Independent relationships between race and financial strain with sleep were observed despite statistical adjustment for other factors that might account for these relationships. Results do not suggest that assessed indices of SES moderate the race-sleep relationship, perhaps due to too few women of low SES in the study. Citation: Hall MH; Matthews KA; Kravitz HM; Gold EB; Buysse DJ; Bromberger JT; Owens JF

  16. WWC Quick Review of the Report "Financial Incentives and Student Achievement: Evidence from Randomized Trials"

    ERIC Educational Resources Information Center

    What Works Clearinghouse, 2010

    2010-01-01

    This study examined the effect of financial incentives on student achievement. The study analyzed data on approximately 38,000 students from about 260 public schools in Chicago, Dallas, New York City, and Washington, DC. The study found no statistically significant effects on standardized math or reading outcomes in Chicago, New York City, or…

  17. Saving for Success: Financial Education and Savings Goal Achievement in Individual Development Accounts

    ERIC Educational Resources Information Center

    Grinstead, Mary L.; Mauldin, Teresa; Sabia, Joseph J.; Koonce, Joan; Palmer, Lance

    2011-01-01

    Using microdata from the American Dream Demonstration, the current study examines factors associated with savings and savings goal achievement (indicated by a matched withdrawal) among participants of individual development account (IDA) programs. Multinomial logit results show that hours of participation in financial education programs, higher…

  18. The Relation of Birth Order, Social Class, and Need Achievement to Independent Judgement

    ERIC Educational Resources Information Center

    Rhine, W. Ray

    1974-01-01

    This article reports an investigation in which the brith order, social class, and level of achievement arousal are the variables considered when fifth and sixth-grade girls make independent judgements in performing a set task. (JH)

  19. Re-Examination of the Covariation of Field Independence, Intelligence and Achievement.

    ERIC Educational Resources Information Center

    Roberge, J. J.; Flexer, B. K.

    1981-01-01

    A principal factor analysis was performed on a matrix of correlations amoung measures of field independence, intelligence, and achievement in reading and mathematics. Factors of general intelligence and verbal ability were identified. Field independence shared a substantial amount of variance with general intellectual ability. (Author/SJL)

  20. Conditional independence graph for nonlinear time series and its application to international financial markets

    NASA Astrophysics Data System (ADS)

    Gao, Wei; Zhao, Hongxia

    2013-05-01

    Conditional independence graphs are proposed for describing the dependence structure of multivariate nonlinear time series, which extend the graphical modeling approach based on partial correlation. The vertexes represent the components of a multivariate time series and edges denote direct dependence between corresponding series. The conditional independence relations between component series are tested efficiently and consistently using conditional mutual information statistics and a bootstrap procedure. Furthermore, a method combining information theory with surrogate data is applied to test the linearity of the conditional dependence. The efficiency of the methods is approved through simulation time series with different linear and nonlinear dependence relations. Finally, we show how the method can be applied to international financial markets to investigate the nonlinear independence structure.

  1. BYY harmony learning, independent state space, and generalized APT financial analyses.

    PubMed

    Xu, L

    2001-01-01

    First, the relationship between factor analysis (FA) and the well-known arbitrage pricing theory (APT) for financial market is discussed comparatively, with a number of to-be-improved problems listed. An overview is made from a unified perspective on the related studies in the literatures of statistics, control theory, signal processing, and neural networks. Next, we introduce the fundamentals of the Bayesian Ying Yang (BYY) system and the harmony learning principle. We further show that a specific case of the framework, called BYY independent state space (ISS) system, provides a general guide for systematically tackling various FA related learning tasks and the above to-be-improved problems for the APT analyses. Third, on various specific cases of the BYY ISS system in three typical architectures, adaptive algorithms, regularization methods and model selection criteria are provided for either or both of parameter learning with automated model selection and parameter learning followed by model selection. Finally, we introduce some other financial applications that are based on the underlying independent factors via the APT analyses. PMID:18249916

  2. Associations between Reading Achievement and Independent Reading in Early Elementary School: A Genetically Informative Cross-Lagged Study

    ERIC Educational Resources Information Center

    Harlaar, Nicole; Deater-Deckard, Kirby; Thompson, Lee A.; DeThorne, Laura S.; Petrill, Stephen A.

    2011-01-01

    This study used a cross-lagged twin design to examine reading achievement and independent reading from 10 to 11 years (n = 436 twin pairs). Reading achievement at age 10 significantly predicted independent reading at age 11. The alternative path, from independent reading at age 10 to reading achievement at age 11, was not significant. Individual…

  3. Project TEAMS (Techniques and Education for Achieving Management Skills): Independent Business Owner/Managers.

    ERIC Educational Resources Information Center

    Platte Technical Community Coll., Columbus, NE.

    These Project TEAMS (Techniques and Education for Achieving Managerial Skills) instructional materials consist of five units for use in training independent business owner/managers. The first unit contains materials which deal with management skills relating to personal characteristics of successful business people, knowledge of self and chosen…

  4. Independent management and financial review, Yucca Mountain Project, Nevada. Final report, Appendix

    SciTech Connect

    1995-07-15

    The Nuclear Waste Policy Act of 1982 (Public Law 97-425), as amended by Public Law 100-203, December 22, 1987, established the Office of Civilian Radioactive Waste Management (OCRWM) within the Department of Energy (DOE), and directed the Office to investigate a site at Yucca Mountain, Nevada, to determine if this site is suitable for the construction of a repository for the disposal of high level nuclear waste. Work on site characterization has been under way for several years. Thus far, about $1.47 billion have been spent on Yucca Mountain programs. This work has been funded by Congressional appropriations from a Nuclear Waste Fund to which contributions have been made by electric utility ratepayers through electric utilities generating power from nuclear power stations. The Secretary of Energy and the Governor of the State of Nevada have appointed one person each to a panel to oversee an objective, independent financial and management evaluation of the Yucca Mountain Project. The Requirements for the work will include an analysis of (1) the Yucca Mountain financial and, contract management techniques and controls; (2) Project schedules and credibility of the proposed milestones; (3) Project organizational effectiveness and internal planning processes, and (4) adequacy of funding levels and funding priorities, including the cost of infrastructure and scientific studies. The recipient will provide monthly progress report and the following reports/documents will be presented as deliverables under the contract: (1) Financial and Contract Management Preliminary Report; (2) Project Scheduling Preliminary Report; (3)Project Organizational Effectiveness Preliminary Report; (4) Project Funding Levels and Funding Priorities Preliminary Report; and (5) Final Report.

  5. Universal behavior of the interoccurrence times between losses in financial markets: Independence of the time resolution

    NASA Astrophysics Data System (ADS)

    Ludescher, Josef; Bunde, Armin

    2014-12-01

    We consider representative financial records (stocks and indices) on time scales between one minute and one day, as well as historical monthly data sets, and show that the distribution PQ(r ) of the interoccurrence times r between losses below a negative threshold -Q , for fixed mean interoccurrence times RQ in multiples of the corresponding time resolutions, can be described on all time scales by the same q exponentials, PQ(r ) ∝1 /{[1+(q -1 ) β r ] 1 /(q -1 )} . We propose that the asset- and time-scale-independent analytic form of PQ(r ) can be regarded as an additional stylized fact of the financial markets and represents a nontrivial test for market models. We analyze the distribution PQ(r ) as well as the autocorrelation CQ(s ) of the interoccurrence times for three market models: (i) multiplicative random cascades, (ii) multifractal random walks, and (iii) the generalized autoregressive conditional heteroskedasticity [GARCH(1,1)] model. We find that only one of the considered models, the multifractal random walk model, approximately reproduces the q -exponential form of PQ(r ) and the power-law decay of CQ(s ) .

  6. An Analysis of the Impact of Demographic, Structural, Student, and Financial Factors on Texas High School Mathematics Achievement

    ERIC Educational Resources Information Center

    Carter, Alisa

    2013-01-01

    The purpose of this study was to examine the relationships of demographic (indicators describing student characteristics), structural (indicators describing school characteristics), student (indicators of student academic achievement), and financial (indicators of instructional expenditures) factors to student mathematics achievement. A sample (n…

  7. Independent Higher Education. Fourth Annual Report on Financial and Educational Trends in the Independent Sector of American Higher Education.

    ERIC Educational Resources Information Center

    Minter, W. John; Bowen, Howard R.

    A report on the condition of the independent sector of American higher education systematically analyzes the fiscal condition of these institutions in terms of their ability to maintain the integrity and quality of their programs. The report is based on information gathered from a representative sample of 135 independent, non-profit, accredited…

  8. Naval Petroleum Reserve Number 1 financial statements September 30, 1997 and 1996 (with independent auditors` report thereon)

    SciTech Connect

    1997-12-31

    The Naval Petroleum and Oil Shale Reserves (NPOSR) produces crude oil and associated hydrocarbons from the Naval Petroleum Reserve No. 1 (NPR-1) in a manner to achieve the greatest value and benefits to the US taxpayer. As required by the 1996 National Defense Authorization Act, the Department of Energy offered NPR-1 for sale during FY 1997. DOE structured the sale so as to offer two types of ownership segments: one operatorship segment, consisting of 74% of the US interest in NPR-1, and 13 nonoperating segments, each consisting of 2% of the US interest. Potential purchasers could bid on one, some, or all of the segments. If a single purchaser wanted to buy all of the Government`s interest, then its bid would have to exceed the total of the highest bids for all of the individual segments. Bids were due October 1, 1997, at which time DOE received 22 bids from 15 parties acting alone or in concert. The report and management letter present the results of the independent certified public accountants` audits of the Department of Energy`s Naval Petroleum Reserve Number 1 (NPR-1) financial statements as of, and for the years ended, September 30, 1997 and 1996.

  9. Milwaukee Independent Charter Schools Study: Report on Two- and Three-Year Achievement Gains. SCDP Milwaukee Evaluation. Report # 25

    ERIC Educational Resources Information Center

    Witte, John F.; Wolf, Patrick J.; Dean, Alicia; Carlson, Deven

    2011-01-01

    The general purpose of this study is to assess the effectiveness of Milwaukee's independent charter schools in promoting student achievement growth. Independent charter schools are authorized by non-school district entities and are considered "independent" because they are not a part of the Milwaukee Public School District (MPS). Specifically, the…

  10. Associations between reading achievement and independent reading in early elementary school: A genetically-informative cross-lagged study

    PubMed Central

    Harlaar, Nicole; Deater-Deckard, Kirby; Thompson, Lee A.; DeThorne, Laura S.; Petrill, Stephen A.

    2013-01-01

    This study used a cross-lagged twin design to examine reading achievement and independent reading from 10 to 11 years (n = 436 twin pairs). Reading achievement at age 10 significantly predicted independent reading at age 11. The alternative path, from independent reading at age 10 to reading achievement at age 11, was not significant. Individual differences in reading achievement and independent reading at both ages were primarily due to genetic influences. Furthermore, individual differences in independent reading at age 11 partly reflected genetic influences on reading achievement at age 10. These findings suggest that genetic influences that contribute to individual differences in children’s reading abilities also influence the extent to which children actively seek out and create opportunities to read. PMID:22026450

  11. Achievement of Diffusional Independence at Nanoscale Liquid-Liquid Interfaces within Arrays.

    PubMed

    Liu, Yang; Sairi, Masniza; Neusser, Gregor; Kranz, Christine; Arrigan, Damien W M

    2015-06-01

    In this work, independent radial diffusion at arrayed nanointerfaces between two immiscible electrolyte solutions (nanoITIES) was achieved. The arrays were formed at nanopores fabricated by focused ion beam milling of silicon nitride (SiN) membranes, enabling the reproducible and systematic design of five arrays with different ratios of pore center-to-center distance (rc) to pore radius (ra). Voltammetry across water-1,6-dichlorohexane nanoITIES formed at these arrays was examined by the interfacial transfer of tetrapropylammonium ions. The diffusion-limited ion-transfer current increased with the ratio rc/ra, reaching a plateau for rc/ra ≥ 56, which was equivalent to the theoretical current for radial diffusion to an array of independent nanoITIES. As a result, mass transport to the nanoITIES arrays was greatly enhanced due to the decreased overlap of diffusion zones at adjacent nanoITIES, allowing each interface in the array to behave independently. When the rc/ra ratio increased from 13 to 56, the analytical performance parameters of sensitivity and limit of detection were improved from 0.50 (±0.02) A M(-1) to 0.76 (±0.02) A M(-1) and from 0.101 (±0.003) μM to 0.072 (±0.002) μM, respectively. These results provide an experimental basis for the design of arrayed nanointerfaces for electrochemical sensing. PMID:25962586

  12. Southern Federal Power Program combined financial statements, September 30, 1997 and 1996 with independent auditors` report thereon and financial overview and program performance

    SciTech Connect

    1998-07-01

    The report presents the results of the independent certified public accountants` audit of the Southeastern Federal Power Program`s (SEFPP) combined financial statements of assets; Federal investment and liabilities; and the related combined statements of revenues, expenses and accumulated net revenues, and cash flows. The auditors` report on SEFPP`s internal control structure disclosed no new reportable conditions directed to the Southeastern Power Administration. However, the report did disclose a reportable condition directed to the Army Corps of Engineers (Corps). The reportable condition was regarding the conversion of the Corps` financial management system to a system that was not designed to properly account for the allocation of plant investment to multi-purpose projects. The Corps concurred with recommendations made to correct the deficiency. The auditors` report on SEFPP`s compliance with laws and regulations disclosed no new instances of noncompliance. A noncompliance related to not recovering workers` compensation benefits in power rates reported in prior years remains uncorrected. Based on KPMG`s unqualified opinion and the review of their audit work, the Office of Inspector General believes the financial statements fairly present the financial condition and results of operations of the SEFPP for the period under audit.

  13. The Effects of Financial Stress on the Academic Achievement of Young Adolescents from Farm and Nonfarm Families.

    ERIC Educational Resources Information Center

    Clark-Lempers, Dania S.; Netusil, Anton

    Financial stress brought about by economic changes in farm communities affects the academic achievement of young adolescents. This effect is mediated by the social support of parents and degree of dissonance in young adolescents relationships with parents. Young adolescents, mothers, and fathers from 105 farm and nonfarm families participated in…

  14. To Save a College: Independent College Trustees and Decisions on Financial Exigency, Endowment Use, and Closure.

    ERIC Educational Resources Information Center

    Johnson, Edward A.; Weeks, Kent M.

    1986-01-01

    The major legal issues surrounding trustee financial exigency decisions, the fiduciary duties of trustees to preserve net institutional assets, and potential trustee liability for a decision to close an institution prior to bankruptcy are examined. (Author/MSE)

  15. The Relationship of Field-Dependent-Independent Cognitive Styles to Foreign Language Achievement.

    ERIC Educational Resources Information Center

    Hansen, Jacqueline; Stansfield, Charles

    Psychological literature on field independence shows that the field independent individual possesses enhanced cognitive restructuring abilities, while the field dependent individual possesses interpersonal and social skills. It was hypothesized that field independence would be related to the acquisition of linguistic competence, and that field…

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

    PubMed Central

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

    2015-01-01

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

  17. [Financial Aid to Independent Students at the Post Secondary Level: The Federal Government's Role

    ERIC Educational Resources Information Center

    Dellenback, John

    One of the new and complex issues related to student aid is the independent student controversy. The author wishes to increase the Basic Opportunity Grant (BOG) and substantially increase work study to help the independent student. For the immediate future the author would like to see: (1) The BOG refined as a major Federal grant program committed…

  18. Financial Strain and Stressful Events Predict Newlyweds’ Negative Communication Independent of Relationship Satisfaction

    PubMed Central

    Williamson, Hannah C.; Karney, Benjamin R.; Bradbury, Thomas N.

    2013-01-01

    Social-learning perspectives explicitly recognize the role of partners’ personal histories and contexts as possible causes of couple communication behavior, but these assumptions are rarely tested directly, and operationalizations of context in behavioral research on couples rarely extend beyond the interacting dyad. To broaden our understanding of why couples differ in communication, the current study examined whether observed behaviors in marital interactions covary with individual experiences and contextual factors. Behaviors coded from in-home conversations of 414 ethnically-diverse newlywed couples were examined simultaneously in relation to childhood and family-of-origin experiences, financial strain and stressful life events, depressive symptoms, and relationship satisfaction. A latent factor representing financial strain and stressful life events was the strongest correlate of negative communication, with higher levels of stress predicting more negativity. Relationship satisfaction was the strongest correlate of observed positivity, with higher levels of satisfaction predicting more positivity. Childhood and family experiences were unrelated to behaviors, whereas results for depressive symptoms were complex and counterintuitive. Because the negative behaviors highlighted in social-learning models of relationship functioning, and often targeted in educational interventions, covary reliably with the stresses and financial strains that couples experience, contextual factors merit greater emphasis in models designed to explain and prevent marital deterioration. PMID:23421833

  19. Achieving Service-Learning Goals in a Financial Accounting Class Project

    ERIC Educational Resources Information Center

    Yu, Darwin D.

    2011-01-01

    Background: A financial accounting class in a Philippine university has a service-learning group project that involves setting up a simple accounting system for microenterprises. Aims: This paper examines the extent to which service-learning goals such as course learning, teamwork, civic responsibility, and impact on the client organization are…

  20. Achievement Characteristics of Financial Aid Recipients at College of Alameda: A Case Study.

    ERIC Educational Resources Information Center

    Bohuslov, Ronald L.; Bohuslov, Esther Buchanan

    Enrollment cards, transcripts, and financial aid records were examined for a 10% random sample of the 2,500 students in the Peralta Community College District who were receiving Basic Educational Opportunity Grants (BEOG) during 1977-78. Analyses were made to determine: (1) the degree to which the students complied with BEOG eligibility…

  1. [open quotes]Bucketfoot Al[close quotes] Simmons and the extremes of independent power. [The financial effects of purchasing indepedent power by utilites

    SciTech Connect

    Hart, L.

    1993-11-01

    This article analyzes the financial risks to utilities for purchasing power from independents. The conclusion of the author is that purchasing of power should not be considered a debt obligation, nor is it entirely risk free. Purchasing is, however, less risky than building. Utilities should be provided with financial incentives for purchasing independent power, such as an incremental return on equity, a formulaic higher component of equity, some combination of the two, or even an incentive fee successful power purchasing.

  2. Differences in Scholastic Achievement of Public, Private Government-Dependent, and Private Independent Schools: A Cross-National Analysis

    ERIC Educational Resources Information Center

    Dronkers, Jaap; Robert, Peter

    2008-01-01

    The gross differences in scholastic achievement among public, private government-dependent, and private independent schools in 22 countries are analyzed with Programme for International Student Assessment 2000 data. In a multilevel approach, the authors estimate these sector effects, controlling for sociological characteristics of students and…

  3. After a Long-Term Placement: Investigating Educational Achievement, Behaviour, and Transition to Independent Living

    ERIC Educational Resources Information Center

    Dumaret, Annick-Camille; Donati, Pascale; Crost, Monique

    2011-01-01

    This study describes the transition towards independent living of 123 former fostered young people reared for long periods in a private French organisation, SOS Children's Villages. Three generations of care leavers were analysed through a postal survey and interviews. Their narratives show typical pathways after leaving care. Two-thirds became…

  4. Independent Business Owner/Managers. Project TEAMS. (Techniques and Education for Achieving Management Skills).

    ERIC Educational Resources Information Center

    Platte Technical Community Coll., Columbus, NE.

    Prepared as part of Platte Technical Community College's project to help managers and supervisors develop practical, up-to-date managerial skills in a relatively short time, this instructional workbook provides information and exercises applicable to on-the-job situations encountered by independent business owner/managers. Unit I provides…

  5. A Full Life with Autism: From Learning to Forming Relationships to Achieving Independence

    ERIC Educational Resources Information Center

    Sicile-Kira, Chantal; Sicile-Kira, Jeremy

    2012-01-01

    A guide for helping our children lead meaningful and independent lives as they reach adulthood. In the next five years, hundreds of thousands of children with autism spectrum disorder will reach adulthood. And while diagnosis and treatment for children has improved in recent years, parents want to know: What happens to my child when I am no longer…

  6. Western Area Power Administration combined power system financial statements, September 30, 1996 and 1995 (with independent auditors` report thereon)

    SciTech Connect

    1997-04-01

    This report presents the results of the independent certified public accountants` audit of the Department of Energy`s Western Area Power Administration`s (Western) combined financial statements as of September 30, 1996. The auditors have expressed an unqualified opinion on the 1996 statements. The auditors` report on Western`s internal control structure disclosed two new reportable conditions and discussed the status of an unresolved condition from prior years. The new conditions involved the write-off of aging accounts receivable and the understatement of interest expense for inactive construction work orders. These reportable conditions are not considered to be material weaknesses. Western concurred with the audit recommendations and is responsible for necessary corrective actions. The auditors also considered the overview and performance measure data for completeness and material consistency with the basic financial statements as noted in the internal control report. The report also disclosed an additional reportable condition directed to the Bureau of Reclamation (Reclamation) which is not considered to be a material weakness. Reclamation concurred with the audit recommendation and is responsible for necessary corrective action. The auditors` report on Western`s compliance with laws and regulations disclosed two new instances of noncompliance involving interest charges on all construction costs funded with Federal appropriations and other capitalized costs. The report also discussed the status of one instance of noncompliance from prior years. Western provided concurrence and corrective action plans for all of these instances of noncompliance.

  7. Does Practice Make Perfect? Independent Reading Quantity, Quality and Student Achievement

    ERIC Educational Resources Information Center

    Topping, K. J.; Samuels, J.; Paul, T.

    2007-01-01

    Does reading practice make perfect? Or is reading achievement related to the quality of practice as well as the quantity? To answer these questions, data on 45,670 students in grades 1-12 who read over 3 million books were analyzed. Measures largely of quantity (engaged reading volume) and purely of quality (success in reading comprehension)…

  8. On Money and Motivation: A Quasi-Experimental Analysis of Financial Incentives for College Achievement

    ERIC Educational Resources Information Center

    Scott-Clayton, Judith

    2011-01-01

    Programs linking college aid to academic achievement could work either by lowering the cost of college or by inducing additional student effort. I examine the PROMISE program in West Virginia, which offers free tuition to students who maintain a minimum GPA and course load. Using administrative data, I exploit discontinuities in the eligibility…

  9. 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…

  10. Development of a Workbook for the Self-Assessment of Financial Condition of Small Independent Colleges. Technical Report No. 8.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Hughes, K. Scott

    A workbook for financial self-assessment of small, private colleges is presented, along with information on the field testing stage. Eight small private colleges helped develop the workbook, which is intended to assist trustees, presidents, and business officers evaluate financial strengths and weaknesses of the school. Included is a checklist of…

  11. From Support to Self-Sufficiency: How Successful Are Programs in Advancing the Financial Independence and Well-Being of Welfare Recipients?

    ERIC Educational Resources Information Center

    Long, D. A.

    2001-01-01

    Reviews recent evaluation research findings about welfare recipients from a perspective of support-to-self-sufficiency rather than the welfare-to-work viewpoint that denominates the evaluation literature. Recent research suggests that many families have moved from welfare to work, but few of these families have achieved financial self-sufficiency.…

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

    ERIC Educational Resources Information Center

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

    2010-01-01

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

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

    ERIC Educational Resources Information Center

    Jarmon, Gloria L.

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

  14. Giving greater financial independence to hospitals--does it make a difference? The case of English NHS Trusts.

    PubMed

    Marini, Giorgia; Miraldo, Marisa; Jacobs, Rowena; Goddard, Maria

    2008-06-01

    In 2003 a new type of provider organisation, the Foundation Trust (FT), was introduced in England, and the best performing NHS hospitals were able to apply for 'Foundation status'. FTs enjoy greater financial flexibility and are subject to less central monitoring and control. The phased introduction of FTs represents an opportunity to examine whether the new financial structures facing FTs have produced any differences in financial performance compared with non-FTs. We use difference in difference methods to examine whether Foundation status had a significant effect on financial management. We find that Foundation status has had a limited impact in terms of acting as an instrument to signal strong financial management of FTs. This result may reflect the relatively early stage of the FT process or may be due to the fact that all types of Trusts are experiencing a challenging financial environment, including the introduction of a prospective payment system. However, we explore the nature of the trends emerging over time and discuss the implications of our findings for policy. PMID:17910094

  15. The Effect on Student Achievement of Manipulating Abstractness-Concreteness Independent of Cognitive Level. Instructional Research Laboratory Educational Curriculum and Instruction Technical Series.

    ERIC Educational Resources Information Center

    Tanner, David E.

    Teacher questions have been the subject of a substantial amount of research and analysis in recent years. Debate has centered around the appropriate use of this instructional and evaluative tool. A study examined the impact on student achievement of manipulating abstractness-concreteness, independent of cognitive level, in achievement test items.…

  16. Financial strain, parenting behaviors, and adolescents' achievement: testing model equivalence between African American and European American single- and two-parent families.

    PubMed

    Gutman, L M; Eccles, J S

    1999-01-01

    This study tested the equivalence of a theoretical model of parenting behaviors linking financial strain to adolescents' achievement for African American and European American families and for single- and two-parent families. The sample included an economic cross-section of African American (n = 387) and European American families (n = 230) from single- (n = 171) and two-parent (n = 446) homes. Multi-group analyses revealed no significant differences in the structural equation models between the African American and European American families, or between the single- and two-parent families. Results demonstrated that negative parent-adolescent relationships and parental school involvement mediated the relation between financial strain and adolescents' academic achievement. PMID:10621967

  17. Field Dependence-Field Independence Cognitive Style, Gender, Career Choice and Academic Achievement of Secondary School Students in Emohua Local Government Area of Rivers State

    ERIC Educational Resources Information Center

    Onyekuru, Bruno Uchenna

    2015-01-01

    This is a descriptive study that investigated the relationships among field dependence-field independence cognitive style and gender, career choice and academic achievement of secondary school students in Emohua Local Government Area of Rivers State, Nigeria. From the initial sample of 320 senior secondary school one (SS1) students drawn from the…

  18. Cognitive Styles Field Dependence/Independence and Scientific Achievement of Male and Female Students of Zamfara State College of Education Maru, Nigeria

    ERIC Educational Resources Information Center

    Muhammad, Tukur; Daniel, Esther Gananamalar Sarojini; Abdurauf, Rose Amnah

    2015-01-01

    This study was conducted to examine the association between cognitive styles (Field dependence/Independence) and scientific achievement in Male and Female student of Biology and Integrated science Department of Zamfara State College of Education Maru, the is correlational. A population of 700 students were used, in which 150 were randomly selected…

  19. Applied Cognition: Testing the Effects of Independent Silent Reading on Secondary Students' Achievement and Attribution

    ERIC Educational Resources Information Center

    Cuevas, Joshua A.; Irving, Miles A.; Russell, L. Roxanne

    2014-01-01

    This study implemented an independent silent reading (ISR) program with 145 10th grade students. Students were measured on total reading ability, vocabulary, reading comprehension, a state-mandated high stakes end-of-course test (EOCT), and reading attribution. After controlling for initial skill and disposition levels, the results indicated that…

  20. The Effects of Pre-Collegiate Academic Outreach Programs on First-Year Financial Aid Attainment, Academic Achievement and Persistence

    ERIC Educational Resources Information Center

    Coleman, Angela Alvarado

    2011-01-01

    National statistics continue to show substantial disparities in the postsecondary enrollment and completion rates between more and less advantaged groups. Despite gains made on the part of low-income, first generation, and minority students in the areas of access, persistence, and academic achievement, gaps still exist (Avery & Kane, 2004;…

  1. Southwestern Federal Power System combined financial statements and supplemental schedules (with independent auditors` reports thereon) for the years ended September 30, 1996 and 1995

    SciTech Connect

    1997-12-04

    This report presents the results of the independent certified public accountants` audit of the Southwestern Federal Power System`s (SWFPS) combined power system statement of assets, Federal investment and liabilities, and the related combined statements of revenues, expenses and accumulated net revenues, and cash flows. The 1996 financial statement audit was made under the provisions of the Inspector General Act (5 U.S.C. App.), as amended, the Government Management Reform Act (31 U.S.C. 3515), and Office of Management and Budget implementing guidance. The auditors` work was conducted in accordance with generally accepted government auditing standards. To fulfill audit responsibilities, the Office of Inspector General contracted with the independent public accounting firm of KPMG Peak Marwick LLP (KPMG) to conduct the audit for them, subject to their review. The auditors` report on SWFP`s internal control structure disclosed a reportable condition directed to the Southwestern Power Administration concerning a delay in properly classifying the value of plant assets. The report also included two reportable conditions directed to the Army Corps of Engineers regarding the inconsistent calculation of depreciation expense and the misallocation of multipurpose costs. None of these reportable conditions were considered to be material weaknesses. The auditors` report on SWFP`s compliance with laws and regulations disclosed no new instances of noncompliance by Southwestern.

  2. Testing a Model of the Relationship of Demographic, Affective, and Fitness Variables to Academic Achievement among Non-Science Majors at an Independent University

    NASA Astrophysics Data System (ADS)

    Dutra, Andrew Martin

    The purpose of this study was to determine the relationship of specific attributes of college students to their academic achievement at an independent university in central Florida. Academic achievement was measured as the numeric score on the final exam in a survey-of-science course (EDS 1032) required for non-science majors. Attribute sets included personological, affective, and fitness variables. A hypothesized diagram of the direct and indirect effects among these attributes relative to academic achievement was developed and tested using data collected Spring 2014 from 168 students in four sections of EDS 1032 at Florida Institute of Technology. Multiple regression results revealed that 19% of the variance in a students' academic achievement was due to the influence of these three sets of research factors; this was found to be statistically significant. The results of mediation analyses also indicated that three variables had significant direct effects on academic achievement, namely gender, number of academic credits, and sports motivation. In addition, gender had a significant indirect effect on academic achievement via stress, and the number of academic credits had a significant indirect effect on academic achievement via sports motivation. These findings indicated that female students scored roughly six points higher than male students on this final exam. Also, gender's influence on academic achievement was partially attributable to the student's level of stress (e.g., male students with high levels of stress had lower grades on this final exam than female students with the same level of stress). In addition, it was found that students taking more academic credits were likely to score higher on this final exam than those students taking fewer credits. Further, as students' level of sports amotivation increased, the strength of the relationship between the number of student academic credits and academic achievement decreased. These results support Self

  3. Louisiana State University System General Purpose Financial Statements and Independent Auditor's Reports as of and for the Year Ended June 30, 1998, with Supplemental Information Schedules.

    ERIC Educational Resources Information Center

    Louisiana State Legislative Auditor, Baton Rouge.

    This report presents results of a financial audit of the Louisiana State University (LSU) system. The auditors also rendered opinions on financial statements of separate, incorporated foundations which oversee the investment of various university endowments, the financial statements for which were prepared by other auditors. An accompanying letter…

  4. Achieving an Undetectable PSA After Radiotherapy for Biochemical Progression After Radical Prostatectomy Is an Independent Predictor of Biochemical Outcome-Results of a Retrospective Study

    SciTech Connect

    Wiegel, Thomas Lohm, Gunnar; Bottke, Dirk; Hoecht, Stefan; Miller, Kurt; Siegmann, Alessandra; Schostak, Martin; Neumann, Konrad; Hinkelbein, Wolfgang

    2009-03-15

    Purpose: Salvage radiotherapy (SRT) is commonly used to treat patients with biochemical failure after radical prostatectomy (RP). Retrospective series have demonstrated biochemical response in approximately 60-75% of patients, but only a significantly lower rate of patients achieves a response with a decrease of the prostate-specific antigen (PSA) to a value below the limits of detectability. Therefore, long-term response at 10 years is only about 20-25% in all of these patients. The purpose of this study was to determine prognostic factors with impact on achieving the undetectable PSA range after SRT and to define the role of this end point. Methods and Materials: Between 1997 and 2004, 162 patients received SRT at the Charite Universitaetsmedizin, Berlin. No patient had hormonal treatment before SRT and 90% of the patients (143) had a SRT dose of 66 Gy. We analyzed the impact of nine potential risk factors on achieving an undetectable PSA after RT and on biochemical relapse-free survival (bNED) after SRT. Results: Median follow-up time was 41.5 months and median PSA pre-RT was 0.33 ng/mL. Calculated bNED for 3.5 years was 54%. A total of 60% of the patients achieved an undetectable PSA after SRT. Univariate analysis demonstrated statistically significant predictors of biochemical progression after SRT: Gleason score (p = 0.01), PSA pre-SRT (p = 0.031), tumor stage (p = 0.047), and persistent detectable PSA after RT (p < 0.00005). In multivariate analysis, margin status (p = 0.017) and PSA pre-SRT (p = 0.002) were significant predictors of an undetectable PSA after SRT. The most significant independent predictor of bNED was 'PSA undetectable after RT' (p < 0.0005) with a hazard ratio of 8.4, thus leading to a calculated bNED at 3.5 years of 75% compared with only 18% for those patients, who did not achieve an undetectable PSA after SRT. The rate of severe Grade 3-4 side effects was below 2.5%. Conclusions: The study represents one of the largest retrospective

  5. 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,…

  6. Maintaining Functional Independence in Elderly Adults: The Roles of Health Status and Financial Resources in Predicting Home Modifications and Use of Mobility Equipment

    ERIC Educational Resources Information Center

    Mathieson, Kathleen M.; Kronenfeld, Jennie Jacobs; Keith, Verna M.

    2002-01-01

    Purpose: We investigated whether health status (i.e., need characteristics) and financial resources (i.e., enabling characteristics) were important predictors of two types of functional adaptations among elderly adults: home modifications such as putting nonslip tape on rugs or installing more telephones and use of equipment for mobility or…

  7. Consolidating Financial Statements.

    ERIC Educational Resources Information Center

    Wood, Marcia R.

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

  8. Forecasting Financial Priorities for Technology.

    ERIC Educational Resources Information Center

    Ringle, Martin D.

    1997-01-01

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

  9. Understanding the independent influence of duty and achievement striving when predicting the relationship between conscientiousness and organizational cultural profiles and helping behaviors.

    PubMed

    Moon, Henry; Livne, Ephrat; Marinova, Sophia

    2013-01-01

    The theory that 2 facets of the factor conscientiousness, duty and achievement striving, are related to self- or other-centered motives, is supported in 2 studies. In Study 1 (N = 204 undergraduates), the self-centered facet of achievement striving was found to be the most important predictor of attraction toward organizational cultures that were outcome-based, aggressive, and emphasized rewards. Achievement strivers were less attracted to supportive and decisive organizations. In Study 2 (N = 189 part-time MBA students) the other-centered facet of duty was found to be predictive of helping behaviors. Theoretical and practical implications are discussed. PMID:23171231

  10. Greater years of maternal schooling and higher scores on academic achievement tests are independently associated with improved management of child diarrhea by rural Guatemalan mothers.

    PubMed

    Webb, Aimee L; Ramakrishnan, Usha; Stein, Aryeh D; Sellen, Daniel W; Merchant, Moeza; Martorell, Reynaldo

    2010-09-01

    Appropriate home management can alleviate many of the consequences of diarrhea including malnutrition, impaired development, growth faltering, and mortality. Maternal cognitive ability, years of schooling, and acquired academic skills are hypothesized to improve child health by improving maternal child care practices, such as illness management. Using information collected longitudinally in 1996-1999 from 466 rural Guatemalan women with children <36 months, we examined the independent associations between maternal years of schooling, academic skills, and scores on the Raven's Progressive Matrices and an illness management index (IMI). Women scoring in the lowest and middle tertiles of academic skills scored lower on the IMI compared to women in the highest tertile (-0.24 [95% CI: -0.54, 0.07]; -0.30 [95% CI: -0.54, -0.06], respectively) independent of sociodemographic factors, schooling, and Raven's scores. Among mothers with less than 1 year of schooling, scoring in the lowest tertile on the Raven's Progressive Matrices compared to the highest was significantly associated with scoring one point lower on the IMI (-1.18 [95% CI: -2.20, -0.17]). Greater academic skills were independently associated with maternal care during episodes of infant diarrhea. Schooling of young girls and/or community based programs that provide women with academic skills such as literacy, numeracy and knowledge could potentially improve mothers' care giving practices. PMID:19685178

  11. The Effects of Scaffolding in the Classroom: Support Contingency and Student Independent Working Time in Relation to Student Achievement, Task Effort and Appreciation of Support

    ERIC Educational Resources Information Center

    van de Pol, Janneke; Volman, Monique; Oort, Frans; Beishuizen, Jos

    2015-01-01

    Teacher scaffolding, in which teachers support students adaptively or "contingently," is assumed to be effective. Yet, hardly any evidence from classroom studies exists. With the current experimental classroom study we investigated whether scaffolding affects students' achievement, task effort, and appreciation of teacher support, when…

  12. 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,…

  13. Achieving sustained virologic response after interferon-free hepatitis C virus treatment correlates with hepatic interferon gene expression changes independent of cirrhosis.

    PubMed

    Meissner, E G; Kohli, A; Virtaneva, K; Sturdevant, D; Martens, C; Porcella, S F; McHutchison, J G; Masur, H; Kottilil, S

    2016-07-01

    Chronic hepatitis C virus (HCV) infection can now be treated with oral directly acting antiviral agents, either with or without ribavirin (RBV). Virologic relapse after treatment can occur, and in some studies was more common in cirrhotic subjects. We previously observed changes in hepatic immunity during interferon (IFN)-free therapy that correlated with favourable outcome in subjects with early liver disease. Here, we compared changes in endogenous IFN pathways during IFN-free, RBV-free therapy between cirrhotic and noncirrhotic subjects. mRNA and microRNA (miRNA) expression analyses were performed on paired pre- and post-treatment liver biopsies from genotype-1 HCV subjects treated with sofosbuvir/ledipasvir (SOF/LDV) for 12 weeks (n = 4, 3 cirrhotics) or SOF/LDV combined with GS-9669 or GS-9451 for 6 weeks (n = 6, 0 cirrhotics). Nine of ten subjects achieved a sustained virologic response (SVR), while one noncirrhotic subject relapsed. Hepatic IFN-stimulated gene expression decreased with treatment in the liver of all subjects, with no observable impact of cirrhosis. Hepatic gene expression of type III IFNs (IFNL1, IFNL3, IFNL4-ΔG) similarly decreased with treatment, while IFNA2 expression, undetectable in all subjects pretreatment, was detected post-treatment in three subjects who achieved a SVR. Only the subject who relapsed had detectable IFNL4-ΔG expression in post-treatment liver. Other IFNs had no change in gene expression (IFNG, IFNB1, IFNA5) or could not be detected. Although expression of multiple hepatic miRNAs changed with treatment, many miRNAs previously implicated in HCV replication and IFN signalling had unchanged expression. In conclusion, favourable treatment outcome during IFN-free HCV therapy is associated with changes in the host IFN response regardless of cirrhosis. PMID:26840694

  14. Independence and Survival.

    ERIC Educational Resources Information Center

    James, H. Thomas

    Independent schools that are of viable size, well managed, and strategically located to meet competition will survive and prosper past the current financial crisis. We live in a complex technological society with insatiable demands for knowledgeable people to keep it running. The future will be marked by the orderly selection of qualified people,…

  15. Achieving Energy Independence by Reviving America's Cities.

    ERIC Educational Resources Information Center

    Goldstein, Neil; Winterer, Amey

    1982-01-01

    Discusses how it is in our nation's energy interest that cities and city living prosper and that movement of people out of cities and into nonurban areas be reversed. However, national energy policy itself favors suburban sprawl-type development and works against city revival. (AM)

  16. Boosting Financial Literacy: Benefits from Learning Study

    ERIC Educational Resources Information Center

    Pang, Ming Fai

    2010-01-01

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

  17. Yavapai College Comprehensive Annual Financial Report.

    ERIC Educational Resources Information Center

    Yavapai County Community Coll. District, Prescott, AZ.

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

  18. 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…

  19. Financial Management and Strategic Planning.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan

    1982-01-01

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

  20. Data Machine Independence

    1994-12-30

    Data-machine independence achieved by using four technologies (ASN.1, XDR, SDS, and ZEBRA) has been evaluated by encoding two different applications in each of the above; and their results compared against the standard programming method using C.

  1. 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 ...

  2. 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.

  3. 45 CFR 98.65 - Audits and financial reporting.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... DEVELOPMENT FUND Financial Management § 98.65 Audits and financial reporting. (a) Each Lead Agency shall have... 45 Public Welfare 1 2012-10-01 2012-10-01 false Audits and financial reporting. 98.65 Section 98... independent standards. (g) The Secretary shall require financial reports as necessary....

  4. 45 CFR 98.65 - Audits and financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... DEVELOPMENT FUND Financial Management § 98.65 Audits and financial reporting. (a) Each Lead Agency shall have... 45 Public Welfare 1 2011-10-01 2011-10-01 false Audits and financial reporting. 98.65 Section 98... independent standards. (g) The Secretary shall require financial reports as necessary....

  5. 45 CFR 98.65 - Audits and financial reporting.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... DEVELOPMENT FUND Financial Management § 98.65 Audits and financial reporting. (a) Each Lead Agency shall have... 45 Public Welfare 1 2013-10-01 2013-10-01 false Audits and financial reporting. 98.65 Section 98... independent standards. (g) The Secretary shall require financial reports as necessary....

  6. 45 CFR 98.65 - Audits and financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... DEVELOPMENT FUND Financial Management § 98.65 Audits and financial reporting. (a) Each Lead Agency shall have... 45 Public Welfare 1 2010-10-01 2010-10-01 false Audits and financial reporting. 98.65 Section 98... independent standards. (g) The Secretary shall require financial reports as necessary....

  7. 45 CFR 98.65 - Audits and financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... DEVELOPMENT FUND Financial Management § 98.65 Audits and financial reporting. (a) Each Lead Agency shall have... 45 Public Welfare 1 2014-10-01 2014-10-01 false Audits and financial reporting. 98.65 Section 98... independent standards. (g) The Secretary shall require financial reports as necessary....

  8. Independent Control of the Magnetization in Ferromagnetic La2/3Sr1/3MnO3/SrTiO3/LaCoO3 Heterostructures Achieved by Epitaxial Lattice Mismatch.

    PubMed

    Rivas-Murias, Beatriz; Lucas, Irene; Jiménez-Cavero, Pilar; Magén, César; Morellón, Luis; Rivadulla, Francisco

    2016-03-01

    We report the effect of interface symmetry-mismatch on the magnetic properties of LaCoO3 (LCO) thin films. Growing epitaxial LCO under tensile strain on top of cubic SrTiO3 (STO) produces a contraction along the c axis and a characteristic ferromagnetic response. However, we report here that ferromagnetism in LCO is completely suppressed when grown on top of a buffer layer of rhombohedral La2/3Sr1/3MnO3 (LSMO), in spite of identical in-plane and out-of-plane lattice deformation. This confirms that it is the lattice symmetry mismatch and not just the total strain, which determines the magnetism of LCO. On the basis of this control over the magnetic properties of LCO, we designed a multilayered structure to achieve independent rotation of the magnetization in ferromagnetic insulating LCO and half-metallic ferromagnet LSMO. This is an important step forward for the design of spin-filtering tunnel barriers based on LCO. PMID:26822394

  9. Are Independent Probes Truly Independent?

    ERIC Educational Resources Information Center

    Camp, Gino; Pecher, Diane; Schmidt, Henk G.; Zeelenberg, Rene

    2009-01-01

    The independent cue technique has been developed to test traditional interference theories against inhibition theories of forgetting. In the present study, the authors tested the critical criterion for the independence of independent cues: Studied cues not presented during test (and unrelated to test cues) should not contribute to the retrieval…

  10. 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

  11. Independent Evaluation: Insights from Public Accounting

    ERIC Educational Resources Information Center

    Brown, Abigail B.; Klerman, Jacob Alex

    2012-01-01

    Background: Maintaining the independence of contract government program evaluation presents significant contracting challenges. The ideal outcome for an agency is often both the impression of an independent evaluation "and" a glowing report. In this, independent evaluation is like financial statement audits: firm management wants both a public…

  12. Independence, Individualism & Connection among Share Householders

    ERIC Educational Resources Information Center

    Natalier, Kristin

    2007-01-01

    How do young people who are financially dependent on their parents but living in share households conceive of the concept of independence? The meanings of independence are discussed in relation to a qualitative study of young people who described themselves as independent although they accepted money on a regular basis from their parents. Their…

  13. 17 CFR 210.10-01 - Interim financial statements.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... independent public accountant. Prior to filing, interim financial statements included in quarterly reports on Form 10-Q (17 CFR 249.308(a)) must be reviewed by an independent public accountant using professional... interim financial statements have been reviewed by an independent public accountant, a report of...

  14. 17 CFR 210.10-01 - Interim financial statements.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... independent public accountant. Prior to filing, interim financial statements included in quarterly reports on Form 10-Q (17 CFR 249.308(a)) must be reviewed by an independent public accountant using professional... interim financial statements have been reviewed by an independent public accountant, a report of...

  15. 17 CFR 210.10-01 - Interim financial statements.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... independent public accountant. Prior to filing, interim financial statements included in quarterly reports on Form 10-Q (17 CFR 249.308(a)) must be reviewed by an independent public accountant using professional... interim financial statements have been reviewed by an independent public accountant, a report of...

  16. 40 CFR 265.143 - Financial assurance for closure.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... independent certified public accountant's report on examination of the owner's or operator's financial... independent certified public accountant in his report on examination of the owner's or operator's financial... independent certified public accountant to the owner or operator stating that: (A) He has compared the...

  17. Financial Resources.

    ERIC Educational Resources Information Center

    Dougherty, Richard M.; And Others

    1989-01-01

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

  18. The concept of financial value during the crisis

    NASA Astrophysics Data System (ADS)

    Chournazidis, Anastasia J.

    2015-02-01

    The scope of this article regards economy as a scientific theory and its challenged credibility today. The aim of this notice is to determine whether financial science can utilize endogenous and exogenous balances in order to verify its credibility, directing the society under crisis to the road to rationality and perception. According to André Orléan's theory and his scientific thought, as expressed in his book "The Empire of Value. A New Foundation for Economics" analysis of the neoclassic theory suggesting usability as a trade's value and the seeking of useful goods as the core of production and exchanges. Contrary to this financial model dominating the modern financial science, it is advocated that trading value is an independent figure, an imperial authority achieved via money. Transactions are subject to an independent rationale according to Georg Simmel, since economy is a sui genesis sociological form, leading to usability. Reversing the cause and effect relation, it is proven that the independence of trading value is the basic principle to investigate economy. In this prism, we can redefine economy as part of the social system and social powers.

  19. Peer Support for Achieving Independence in Diabetes (Peer-AID): Design, methods and baseline characteristics of a randomized controlled trial of community health worker assisted diabetes self-management support

    PubMed Central

    Nelson, Karin; Drain, Nathan; Robinson, June; Kapp, Janet; Hebert, Paul; Taylor, Leslie; Silverman, Julie; Kiefer, Meghan; Lessler, Dan; Krieger, James

    2014-01-01

    Background & Objectives Community health workers (CHWs) may be an important mechanism to provide diabetes self-management to disadvantaged populations. We describe the design and baseline results of a trial evaluating a home-based CHW intervention. Methods & Research Design Peer Support for Achieving Independence in Diabetes (Peer-AID) is a randomized, controlled trial evaluating a home-based CHW-delivered diabetes self-management intervention versus usual care. The study recruited participants from 3 health systems. Change in A1c measured at 12 months is the primary outcome. Change in blood pressure, lipids, health care utilization, health-related quality of life, self-efficacy and diabetes self-management behaviors at 12 months are secondary outcomes. Results A total of 1,438 patients were identified by medical record review as potentially eligible, 445 patients were screened by telephone for eligibility and 287 were randomized. Groups were comparable at baseline on socio-demographic and clinical characteristics. All participants were low-income and were from diverse racial and ethnic backgrounds. The mean A1c was 8.9%, mean BMI was above the obese range, and non-adherence to diabetes medications was high. The cohort had high rates of co-morbid disease and low self-reported health status. Although one-third reported no health insurance, the mean number of visits to a physician in the past year was 5.7. Trial results are pending. Conclusions Peer-AID recruited and enrolled a diverse group of low income participants with poorly controlled type 2 diabetes and delivered a home-based diabetes self-management program. If effective, replication of the Peer-AID intervention in community based settings could contribute to improved control of diabetes in vulnerable populations. PMID:24956324

  20. 47 CFR 64.904 - Independent audits.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... independent auditor every two years, covering the prior two year period, or have a financial audit performed... auditors shall provide the Commission with the audit program. The attest engagement shall be conducted in... Accountants, except as otherwise directed by the Chief, Enforcement Bureau. (c) The biennial financial...

  1. Achievement Goals and Achievement Emotions: A Meta-Analysis

    ERIC Educational Resources Information Center

    Huang, Chiungjung

    2011-01-01

    This meta-analysis synthesized 93 independent samples (N = 30,003) in 77 studies that reported in 78 articles examining correlations between achievement goals and achievement emotions. Achievement goals were meaningfully associated with different achievement emotions. The correlations of mastery and mastery approach goals with positive achievement…

  2. 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.

  3. Restructuring the energy industry: A financial perspective

    SciTech Connect

    Abrams, W.A.

    1995-12-31

    This paper present eight tables summarizing financial aspects of energy industry restructuring. Historical, current, and future business characteristics of energy industries are outlined. Projections of industry characteristics are listed for the next five years and for the 21st century. Future independent power procedures related to financial aspects are also outlined. 8 tabs.

  4. Institutional Financial Assessment: Methodology and Meaning.

    ERIC Educational Resources Information Center

    Jenny, Hans H.

    1979-01-01

    W. John Minter and Howard R. Bowen's annual report on "Financial and Educational Trends in Independent Higher Education, 1978" is examined. Problems in data reporting by college administrators that skew financial assessment reports are noted. A rating questionnaire for institutional quality is appended. (Author/LBH)

  5. 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.…

  6. Salam's independence

    NASA Astrophysics Data System (ADS)

    Fraser, Gordon

    2009-01-01

    In his kind review of my biography of the Nobel laureate Abdus Salam (December 2008 pp45-46), John W Moffat wrongly claims that Salam had "independently thought of the idea of parity violation in weak interactions".

  7. 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…

  8. Independent Colleges and Universities in a Time of Transition

    ERIC Educational Resources Information Center

    Ehrenberg, Ronald G.

    2011-01-01

    Being a president of a member institution of the Council of Independent Colleges (CIC) is fraught with challenges. To name but a few: (1) The nation's financial meltdown in 2008 and the accompanying great recession has dramatically increased families' financial need and led to increased pressure on financial aid budgets; (2) Reductions in…

  9. Intrinsic superstatistical components of financial time series

    NASA Astrophysics Data System (ADS)

    Vamoş, Călin; Crăciun, Maria

    2014-12-01

    Time series generated by a complex hierarchical system exhibit various types of dynamics at different time scales. A financial time series is an example of such a multiscale structure with time scales ranging from minutes to several years. In this paper we decompose the volatility of financial indices into five intrinsic components and we show that it has a heterogeneous scale structure. The small-scale components have a stochastic nature and they are independent 99% of the time, becoming synchronized during financial crashes and enhancing the heavy tails of the volatility distribution. The deterministic behavior of the large-scale components is related to the nonstationarity of the financial markets evolution. Our decomposition of the financial volatility is a superstatistical model more complex than those usually limited to a superposition of two independent statistics at well-separated time scales.

  10. 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…

  11. Understanding independence

    NASA Astrophysics Data System (ADS)

    Annan, James; Hargreaves, Julia

    2016-04-01

    In order to perform any Bayesian processing of a model ensemble, we need a prior over the ensemble members. In the case of multimodel ensembles such as CMIP, the historical approach of ``model democracy'' (i.e. equal weight for all models in the sample) is no longer credible (if it ever was) due to model duplication and inbreeding. The question of ``model independence'' is central to the question of prior weights. However, although this question has been repeatedly raised, it has not yet been satisfactorily addressed. Here I will discuss the issue of independence and present a theoretical foundation for understanding and analysing the ensemble in this context. I will also present some simple examples showing how these ideas may be applied and developed.

  12. 5 CFR 2634.406 - Independent trustees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Independent trustees. 2634.406 Section 2634.406 Administrative Personnel OFFICE OF GOVERNMENT ETHICS GOVERNMENT ETHICS EXECUTIVE BRANCH FINANCIAL DISCLOSURE, QUALIFIED TRUSTS, AND CERTIFICATES OF DIVESTITURE Qualified Trusts § 2634.406 Independent trustees. (a) Standards. (1) The...

  13. 12 CFR 614.4255 - Independence requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Independence requirements. 614.4255 Section 614... Collateral Evaluation Requirements § 614.4255 Independence requirements. (a) Prohibitions. For all personal... indirect interest, financial or otherwise, in the loan or subject property; (2) As a director, vote on...

  14. School Achievement of Pupils from the Lower Strata in Public, Private Government-Dependent and Private Government-Independent Schools: A Cross-National Test of the Coleman-Hoffer Thesis

    ERIC Educational Resources Information Center

    Corten, Rense; Dronkers, Jaap

    2006-01-01

    We consider the question whether pupils from the lower social strata perform better in private government-dependent schools than in public or private-independent schools, using the PISA 2000 data on European high schools. In the eighty's, Coleman and Hoffer (1987) found in the USA that the performance of these pupils was better at religious…

  15. Financial Parenting, Financial Coping Behaviors, and Well-Being of Emerging Adults

    ERIC Educational Resources Information Center

    Serido, Joyce; Shim, Soyeon; Mishra, Anubha; Tang, Chuanyi

    2010-01-01

    The goal of this study was to consider the role of parents in the development of their children's financial independence by the time the children are old enough to enter college. Using data from 2,098 first-year university students, we examined two pathways to emerging adults' financial, psychological, and personal well-being, combining research…

  16. Factors associated with variation in financial condition among voluntary hospitals.

    PubMed Central

    Brecher, C; Nesbitt, S

    1985-01-01

    This article uses multiple regression analysis to identify factors which affect variations in the financial condition of voluntary hospitals in New York State. Six separate ratios are used to measure financial condition and 18 independent variables are considered. The factors affecting financial conditions were found to vary among dimensions of financial health, and different causal relationships were evident among hospitals in New York City than among those in the rest of the state. PMID:4019212

  17. Financial Incentives for Staffing Hard Places.

    ERIC Educational Resources Information Center

    Prince, Cynthia D.

    2002-01-01

    Describes examples of financial incentives used to recruit teachers for low-achieving and hard-to-staff schools. Includes targeted salary increases, housing incentives, tuition assistance, and tax credits. (PKP)

  18. Office of Inspector General report on audit of Southwestern Federal Power System combined financial statements and supplemental schedules (with independent auditors` reports thereon) for the years ended September 30, 1997 and 1996

    SciTech Connect

    1998-10-06

    Southwestern Federal Power System (SWFPS) encompasses the operation of 24 hydroelectric power plants by the US Army Corps of Engineers and the marketing of power and energy from those plants by the Southwestern Power Administration (Southwestern) of the US Department of Energy. This report presents the results of the independent certified public accountants` audit of the SWFPS`s combined power system statements of assets, Federal investments and liabilities, and the related combined statements of revenues, expenses and accumulated net revenues, and cash flows.

  19. 'Independence' Panorama

    NASA Technical Reports Server (NTRS)

    2005-01-01

    [figure removed for brevity, see original site] Click on the image for 'Independence' Panorama (QTVR)

    This is the Spirit 'Independence' panorama, acquired on martian days, or sols, 536 to 543 (July 6 to 13, 2005), from a position in the 'Columbia Hills' near the summit of 'Husband Hill.' The summit of 'Husband Hill' is the peak near the right side of this panorama and is about 100 meters (328 feet) away from the rover and about 30 meters (98 feet) higher in elevation. The rocky outcrops downhill and on the left side of this mosaic include 'Larry's Lookout' and 'Cumberland Ridge,' which Spirit explored in April, May, and June of 2005.

    The panorama spans 360 degrees and consists of 108 individual images, each acquired with five filters of the rover's panoramic camera. The approximate true color of the mosaic was generated using the camera's 750-, 530-, and 480-nanometer filters. During the 8 martian days, or sols, that it took to acquire this image, the lighting varied considerably, partly because of imaging at different times of sol, and partly because of small sol-to-sol variations in the dustiness of the atmosphere. These slight changes produced some image seams and rock shadows. These seams have been eliminated from the sky portion of the mosaic to better simulate the vista a person standing on Mars would see. However, it is often not possible or practical to smooth out such seams for regions of rock, soil, rover tracks or solar panels. Such is the nature of acquiring and assembling large panoramas from the rovers.

  20. Effective Practices of Financial Education for College Students: Students' Perceptions of Credit Card Use and Financial Responsibility

    ERIC Educational Resources Information Center

    Anderson, Carla

    2013-01-01

    College students who are unprepared for financial decision making may make risky decisions such as compulsive spending and debt accumulation. Financial stress impacts both academic achievement and retention. The current literature addresses the deficiency college students have when making financially responsible decisions, but little is mentioned…

  1. 38 CFR 21.76 - Independent living.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...) Maintain the newly achieved level of independence in daily living. (Authority: 38 U.S.C. 3101(4), 3104(b... months would enable the veteran to substantially increase his or her level of independence in...

  2. Basic Skills Achievement, 1981-82.

    ERIC Educational Resources Information Center

    Austin Independent School District, TX. Office of Research and Evaluation.

    The Austin Independent School District (AISD) office of Research and Evaluation presents Basic Skills Achievement, 1981-82 (BSA). The BSA answers the following questions: (1) How does AISD student achievement compare to student achievement nationwide? (2) How does AISD's 1981-82 student achievement compare to the achievement of students in past…

  3. 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

  4. Toward an Independent Solution: New Student Aid Resources for Independent Colleges. A Report of the Independent Solution Project.

    ERIC Educational Resources Information Center

    Association of Independent California Colleges and Universities, Sacramento.

    This report summarizes evidence of a decline in government financial aid to students attending independent colleges and universities that have made contributions to the state by providing the state economy with competent professionals, and by offering educational opportunity to members of ethnic minorities. However, a state policy commitment to…

  5. 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…

  6. 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…

  7. Business Management for Independent Schools. Fourth Edition.

    ERIC Educational Resources Information Center

    National Association of Independent Schools, Boston, MA.

    This fourth edition of a guide for independent school business managers has been produced in looseleaf format so that changes may be made promptly as decisions of regulatory bodies require modifications in current practice. Fourteen chapters are organized under three broad topic headings. Chapters in part 1, Accounting and Financial Reporting,…

  8. An architecture for device independent interfacing

    SciTech Connect

    Pace, D.M.

    1990-01-01

    Achieving device independence for software applications is required for all but a small number of critical real time applications. Device independence is achieved by establishing protocols and building protocol interpreters for the specific devices. Data structures containing pointers to functions provide a flexible architecture for implementing protocol translation. 3 refs., 5 figs.

  9. 78 FR 20219 - National Financial Capability Month, 2013

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-04-04

    ... Independence of the United States of America the two hundred and thirty- seventh. (Presidential Sig.) [FR Doc... Documents#0;#0; ] Proclamation 8951 of March 29, 2013 National Financial Capability Month, 2013 By the... Financial Capability Month, we recommit to empowering individuals and families with the knowledge and...

  10. CEO Compensation and Hospital Financial Performance

    PubMed Central

    Reiter, Kristin L.; Sandoval, Guillermo A.; Brown, Adalsteinn D.; Pink, George H.

    2010-01-01

    Growing interest in pay-for-performance and the level of CEO pay raises questions about the link between performance and compensation in the health sector. This study compares the compensation of non-profit hospital Chief Executive Officers (CEOs) in Ontario, Canada to the three longest reported and most used measures of hospital financial performance. Our sample consisted of 132 CEOs from 92 hospitals between 1999 and 2006. Unbalanced panel data were analyzed using fixed effects regression. Results suggest that CEO compensation was largely unrelated to hospital financial performance. Inflation-adjusted salaries appeared to increase over time independent of hospital performance, and hospital size was positively correlated with CEO compensation. The apparent upward trend in salary despite some declines in financial performance challenges the fundamental assumption underlying this paper, that is, financial performance is likely linked to CEO compensation in Ontario. Further research is needed to understand long-term performance related to compensation incentives. PMID:19605619

  11. Independent task Fourier filters

    NASA Astrophysics Data System (ADS)

    Caulfield, H. John

    2001-11-01

    Since the early 1960s, a major part of optical computing systems has been Fourier pattern recognition, which takes advantage of high speed filter changes to enable powerful nonlinear discrimination in `real time.' Because filter has a task quite independent of the tasks of the other filters, they can be applied and evaluated in parallel or, in a simple approach I describe, in sequence very rapidly. Thus I use the name ITFF (independent task Fourier filter). These filters can also break very complex discrimination tasks into easily handled parts, so the wonderful space invariance properties of Fourier filtering need not be sacrificed to achieve high discrimination and good generalizability even for ultracomplex discrimination problems. The training procedure proceeds sequentially, as the task for a given filter is defined a posteriori by declaring it to be the discrimination of particular members of set A from all members of set B with sufficient margin. That is, we set the threshold to achieve the desired margin and note the A members discriminated by that threshold. Discriminating those A members from all members of B becomes the task of that filter. Those A members are then removed from the set A, so no other filter will be asked to perform that already accomplished task.

  12. 12 CFR 1010.212 - Financial information.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... standards as prescribed by the American Institute of Certified Public Accountants, and shall be audited by an independent licensed public accountant. They shall include a balance sheet, a statement of profit and loss, a statement of changes in financial condition and a certified opinion by the accountant....

  13. Student Financial Aid and Women. ERIC Digest.

    ERIC Educational Resources Information Center

    Moran, Mary

    The impact of student aid policies on women is assessed. Patterns of enrollment and economic profiles differ for male and female students. Women, for example, far surpass men as adult, part-time, independent, and unclassified students, the categories most likely to present barriers to participating in most financial aid programs. Gender issues in…

  14. Presenting practice financial information.

    PubMed

    Webster, Lee Ann H

    2007-01-01

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

  15. Project ACHIEVE final report

    SciTech Connect

    1997-06-13

    Project ACHIEVE was a math/science academic enhancement program aimed at first year high school Hispanic American students. Four high schools -- two in El Paso, Texas and two in Bakersfield, California -- participated in this Department of Energy-funded program during the spring and summer of 1996. Over 50 students, many of whom felt they were facing a nightmare future, were given the opportunity to work closely with personal computers and software, sophisticated calculators, and computer-based laboratories -- an experience which their regular academic curriculum did not provide. Math and science projects, exercises, and experiments were completed that emphasized independent and creative applications of scientific and mathematical theories to real world problems. The most important outcome was the exposure Project ACHIEVE provided to students concerning the college and technical-field career possibilities available to them.

  16. Cognitive Style, Operativity, and Reading Achievement.

    ERIC Educational Resources Information Center

    Roberge, James J.; Flexer, Barbara K.

    1984-01-01

    This developmental study was designed to examine the effects of field dependence-independence and level of operational development on the reading achievement of sixth, seventh, and eighth graders. Field dependence-independence had no significant effect on reading achievement, but high-operational students scored significantly higher than…

  17. Independence Generalizing Monotone and Boolean Independences

    NASA Astrophysics Data System (ADS)

    Hasebe, Takahiro

    2011-01-01

    We define conditionally monotone independence in two states which interpolates monotone and Boolean ones. This independence is associative, and therefore leads to a natural probability theory in a non-commutative algebra.

  18. Switching processes in financial markets

    PubMed Central

    Preis, Tobias; Schneider, Johannes J.; Stanley, H. Eugene

    2011-01-01

    For an intriguing variety of switching processes in nature, the underlying complex system abruptly changes from one state to another in a highly discontinuous fashion. Financial market fluctuations are characterized by many abrupt switchings creating upward trends and downward trends, on time scales ranging from macroscopic trends persisting for hundreds of days to microscopic trends persisting for a few minutes. The question arises whether these ubiquitous switching processes have quantifiable features independent of the time horizon studied. We find striking scale-free behavior of the transaction volume after each switching. Our findings can be interpreted 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 time intervals between transactions. We suggest that the well known catastrophic bubbles that occur on large time scales—such as the most recent financial crisis—may not be outliers but single dramatic representatives caused by the formation of increasing and decreasing trends on time scales varying over nine orders of magnitude from very large down to very small. PMID:21521789

  19. 12 CFR 1263.16 - Financial condition requirement for insurance company and certain CDFI applicants.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 9 2012-01-01 2012-01-01 false Financial condition requirement for insurance... membership: (i) Financial statements. An independent audit conducted within the prior year in accordance with... statement for the most recent year must include separate schedules or disclosures of the financial...

  20. 42 CFR 455.304 - Condition for Federal financial participation (FFP).

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 4 2011-10-01 2011-10-01 false Condition for Federal financial participation (FFP... financial participation (FFP). (a) General rule. (1) The State must submit an independent certified audit to... year under audit. (4) Audited hospital financial statements and hospital accounting records....

  1. Navigating financial and supply reliability tradeoffs in regional drought management portfolios

    NASA Astrophysics Data System (ADS)

    Zeff, Harrison B.; Kasprzyk, Joseph R.; Herman, Jonathan D.; Reed, Patrick M.; Characklis, Gregory W.

    2014-06-01

    Rising development costs and growing concerns over environmental impacts have led many communities to explore more diversified water management strategies. These "portfolio"-style approaches integrate existing supply infrastructure with other options such as conservation measures or water transfers. Diversified water supply portfolios have been shown to reduce the capacity and costs required to meet demand, while also providing greater adaptability to changing hydrologic conditions. However, this additional flexibility can also cause unexpected reductions in revenue (from conservation) or increased costs (from transfers). The resulting financial instability can act as a substantial disincentive to utilities seeking to implement more innovative water management techniques. This study seeks to design portfolios that employ financial tools (e.g., contingency funds and index insurance) to reduce fluctuations in revenues and costs, allowing these strategies to achieve improved performance without sacrificing financial stability. This analysis is applied to the development of coordinated regional supply portfolios in the "Research Triangle" region of North Carolina, an area comprising four rapidly growing municipalities. The actions of each independent utility become interconnected when shared infrastructure is utilized to enable interutility transfers, requiring the evaluation of regional tradeoffs in up to five performance and financial objectives. Diversified strategies introduce significant tradeoffs between achieving reliability goals and introducing burdensome variability in annual revenues and/or costs. Financial mitigation tools can mitigate the impacts of this variability, allowing for an alternative suite of improved solutions. This analysis provides a general template for utilities seeking to navigate the tradeoffs associated with more flexible, portfolio-style management approaches.

  2. 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…

  3. Financial Rogue Waves

    NASA Astrophysics Data System (ADS)

    Yan, Zhen-Ya

    2010-11-01

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

  4. Monthly Financial Reporting: Keeping the Community Informed.

    ERIC Educational Resources Information Center

    Weeks, Richard H.

    1998-01-01

    Accurate, timely, and concise monthly financial reporting is achieved through mastering statistics. A Grafton, Massachusetts school business manager's monthly presentation to the school committee is a composite of all the statistics he has reviewed during the previous month. This presentation reports where and how funds have been spent and…

  5. Study on Case Teaching of Financial Management

    ERIC Educational Resources Information Center

    Che, Zhenghong; Che, Zhengmei

    2011-01-01

    Case teaching is an efficient teaching method of management. It plays an important role to enhance the students' ability to practice the theory. However, case teaching of financial management has not achieved the expected results. The paper aims to study the importance, characteristics and corresponding methods of case teaching method of financial…

  6. Independent Peer Reviews

    SciTech Connect

    2012-03-16

    Independent Assessments: DOE's Systems Integrator convenes independent technical reviews to gauge progress toward meeting specific technical targets and to provide technical information necessary for key decisions.

  7. Financial management of hospitals.

    PubMed

    Speranzo, A J

    1984-05-01

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

  8. 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)

  9. The Achiever. Volume 6, Number 5

    ERIC Educational Resources Information Center

    Ashby, Nicole, Ed.

    2007-01-01

    "The Achiever" is a monthly newsletter designed expressly for parents and community leaders. Each issue contains news and information about and from public and private organizations about school improvement in the United States. Highlights of this issue include: (1) New Online Tool Simplifies Financial Aid Process; (2) Rigor in K-6:…

  10. Discriminant and Criterion-Related Validity of Achievement Goals in Predicting Academic Achievement: A Meta-Analysis

    ERIC Educational Resources Information Center

    Huang, Chiungjung

    2012-01-01

    This study examined the discriminant and criterion-related validity of achievement goals in predicting academic achievement. Analysis of 151 studies yielded 172 independent samples (N = 52,986) with correlations among achievement goals and between achievement goals and academic achievement. The discriminant validity of achievement goals in the 2-,…

  11. 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

  12. 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.

  13. Consumer Financial Protection Bureau

    MedlinePlus

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

  14. 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.

  15. Independent Schools - Independent Thinking - Independent Art: Testing Assumptions.

    ERIC Educational Resources Information Center

    Carnes, Virginia

    This study consists of a review of selected educational reform issues from the past 10 years that deal with changing attitudes towards art and art instruction in the context of independent private sector schools. The major focus of the study is in visual arts and examines various programs and initiatives with an art focus. Programs include…

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

    PubMed Central

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

    2013-01-01

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

  17. Practice management companies improve practices' financial position.

    PubMed

    Dupell, T

    1997-11-01

    To maintain control over healthcare delivery and financial decisions, as well as increase access to capital markets, some group practices are forming their own physician practice management companies. These companies should be organized to balance the expectations of physicians with the values of capital markets. This organization should include retained earnings, financial reporting in accordance with generally accepted accounting principles (GAAP), predictable earnings and cash flow, physician ownership and leadership, and incentives for high-quality management. Three large, primary care and multispecialty clinics that merged to form a new physician practice management company increased their access to capital markets and improved their overall financial position, which will help them achieve long-term survival. PMID:10174772

  18. Graded Achievement, Tested Achievement, and Validity

    ERIC Educational Resources Information Center

    Brookhart, Susan M.

    2015-01-01

    Twenty-eight studies of grades, over a century, were reviewed using the argument-based approach to validity suggested by Kane as a theoretical framework. The review draws conclusions about the meaning of graded achievement, its relation to tested achievement, and changes in the construct of graded achievement over time. "Graded…

  19. Cognitive Style, Operativity, and Mathematics Achievement.

    ERIC Educational Resources Information Center

    Roberge, James J.; Flexer, Barbara K.

    1983-01-01

    This study examined the effects of field dependence/independence and the level of operational development on the mathematics achievement of 450 students in grades 6-8. Field-independent students scored significantly higher on total mathematics, concepts, and problem-solving tests. High-operational students scored significantly higher on all tests.…

  20. 29 CFR 2509.75-9 - Interpretive bulletin relating to guidelines on independence of accountant retained by Employee...

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... independent for purposes of auditing and rendering an opinion on the financial information required to be... and rendering an opinion on the financial statements and schedules required to be contained in the..., at the date of the opinion, or during the period covered by the financial statements, the...

  1. 29 CFR 2509.75-9 - Interpretive bulletin relating to guidelines on independence of accountant retained by Employee...

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... independent for purposes of auditing and rendering an opinion on the financial information required to be... and rendering an opinion on the financial statements and schedules required to be contained in the..., at the date of the opinion, or during the period covered by the financial statements, the...

  2. Trustees' role in financial decisions.

    PubMed

    Choate, G M

    1987-11-01

    To compensate for the uncertainty inherent in financial decision making and alleviate the problem of information clutter, trustees can take three steps to ensure that their decisions promote the organization's well-being: Mandate a minimum standard of performance. Identify and raise questions about critical variables. Monitor performance of proposals undertaken. Achieving a minimum rate of return allows fund balances to grow at a rate consistent with asset growth; thus the standard is consistent with survival. As a guide, trustees can use market interest rates on U.S. government bonds, which reflect investors' expectations of the economy's real growth rate as well as the future inflation rate. Questioning a proposal's authors is a powerful means to clarify assumptions about the critical variables underlying their cash flow estimates. Monitoring performance after financial decisions are undertaken is an important way to improve the information that accompanies proposals yet to be presented. Although monitoring cannot undo the damage of having undertaken a flawed proposal, it likely will lead to more careful refinement of the assumptions made in calculating future proposals. PMID:10284985

  3. Financial hardship and obesity.

    PubMed

    Averett, Susan L; Smith, Julie K

    2014-12-01

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

  4. Influence of Emotional Intelligence and Need for Achievement on Interpersonal Relations and Academic Achievement of Undergraduates

    ERIC Educational Resources Information Center

    Afolabi, Olukayode Ayooluwa; Ogunmwonyi, Edosa; Okediji, Abayomi

    2009-01-01

    This study examined influence of emotional intelligence and need for achievement on interpersonal relations and academic achievement of undergraduates. Questionnaires were administered to one hundred and ten (110) subjects. The independent variables are emotional intelligence and need for achievement, while the dependent variables are…

  5. Personal financial incentives for changing habitual health-related behaviors: A systematic review and meta-analysis

    PubMed Central

    Mantzari, Eleni; Vogt, Florian; Shemilt, Ian; Wei, Yinghui; Higgins, Julian P.T.; Marteau, Theresa M.

    2015-01-01

    Objectives Uncertainty remains about whether personal financial incentives could achieve sustained changes in health-related behaviors that would reduce the fast-growing global non-communicable disease burden. This review aims to estimate whether: i. financial incentives achieve sustained changes in smoking, eating, alcohol consumption and physical activity; ii. effectiveness is modified by (a) the target behavior, (b) incentive value and attainment certainty, (c) recipients' deprivation level. Methods Multiple sources were searched for trials offering adults financial incentives and assessing outcomes relating to pre-specified behaviors at a minimum of six months from baseline. Analyses included random-effects meta-analyses and meta-regressions grouped by timed endpoints. Results Of 24,265 unique identified articles, 34 were included in the analysis. Financial incentives increased behavior-change, with effects sustained until 18 months from baseline (OR: 1.53, 95% CI 1.05–2.23) and three months post-incentive removal (OR: 2.11, 95% CI 1.21–3.67). High deprivation increased incentive effects (OR: 2.17; 95% CI 1.22–3.85), but only at > 6–12 months from baseline. Other assessed variables did not independently modify effects at any time-point. Conclusions Personal financial incentives can change habitual health-related behaviors and help reduce health inequalities. However, their role in reducing disease burden is potentially limited given current evidence that effects dissipate beyond three months post-incentive removal. PMID:25843244

  6. Persistence and financial markets

    NASA Astrophysics Data System (ADS)

    Jain, S.

    2007-09-01

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

  7. 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.

  8. Exploring the Psychological Predictors of Programming Achievement

    ERIC Educational Resources Information Center

    Erdogan, Yavuz; Aydin, Emin; Kabaca, Tolga

    2008-01-01

    The main purpose of this study is to explore the predictors of programming achievement. With this aim in mind, the students' success in the programming courses is specified as the dependent variable and creativity, problem solving, general aptitudes, computer attitudes and mathematics achievement are specified as the independent variables. A…

  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. PMID:22734939

  10. 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.

  11. 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…

  12. 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),…

  13. Comprehensive Financial Plan.

    ERIC Educational Resources Information Center

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

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

  14. 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…

  15. 17 CFR 5.12 - Financial reports of retail foreign exchange dealers.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... (ii) The Statement of Financial Condition and the opinion of the independent public accountant in the..., either: (i) A Form 1-FR-FCM certified by an independent public accountant as of a date not more than 45... an independent public accountant as of a date not more than one year prior to the date on which...

  16. 17 CFR 5.12 - Financial reports of retail foreign exchange dealers.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... (ii) The Statement of Financial Condition and the opinion of the independent public accountant in the..., either: (i) A Form 1-FR-FCM certified by an independent public accountant as of a date not more than 45... an independent public accountant as of a date not more than one year prior to the date on which...

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

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... (ii) The Statement of Financial Condition and the opinion of the independent public accountant in the..., either: (i) A Form 1-FR-FCM certified by an independent public accountant as of a date not more than 45... an independent public accountant as of a date not more than one year prior to the date on which...

  18. 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…

  19. 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…

  20. 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).…

  1. 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,…

  2. Washington State Student Achievement Initiative Policy Study: Final Report

    ERIC Educational Resources Information Center

    Jenkins, Davis; Wachen, John; Moore, Colleen; Shulock, Nancy

    2012-01-01

    In 2007, the Washington State Board for Community and Technical Colleges launched a performance funding policy called the Student Achievement Initiative (SAI) both to improve public accountability by more accurately describing what students achieve from enrolling in community colleges and to provide incentives to colleges through financial rewards…

  3. 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

  4. 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.

  5. 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.

  6. Independence of Internal Auditors.

    ERIC Educational Resources Information Center

    Montondon, Lucille; Meixner, Wilda F.

    1993-01-01

    A survey of 288 college and university auditors investigated patterns in their appointment, reporting, and supervisory practices as indicators of independence and objectivity. Results indicate a weakness in the positioning of internal auditing within institutions, possibly compromising auditor independence. Because the auditing function is…

  7. American Independence. Fifth Grade.

    ERIC Educational Resources Information Center

    Crosby, Annette

    This fifth grade teaching unit covers early conflicts between the American colonies and Britain, battles of the American Revolutionary War, and the Declaration of Independence. Knowledge goals address the pre-revolutionary acts enforced by the British, the concepts of conflict and independence, and the major events and significant people from the…

  8. Fostering Musical Independence

    ERIC Educational Resources Information Center

    Shieh, Eric; Allsup, Randall Everett

    2016-01-01

    Musical independence has always been an essential aim of musical instruction. But this objective can refer to everything from high levels of musical expertise to more student choice in the classroom. While most conceptualizations of musical independence emphasize the demonstration of knowledge and skills within particular music traditions, this…

  9. Centering on Independent Study.

    ERIC Educational Resources Information Center

    Miller, Stephanie

    Independent study is an instructional approach that can have enormous power in the classroom. It can be used successfully with students at all ability levels, even though it is often associated with gifted students. Independent study is an opportunity for students to study a subject of their own choosing under the guidance of a teacher. The…

  10. Taking Financial Relationships into Account When Assessing Research

    PubMed Central

    Resnik, David B.; Elliott, Kevin C.

    2014-01-01

    Many scientific journals, government agencies, and universities require disclosure of sources of funding and financial interests related to research, such as stock ownership, consulting arrangements with companies, and patents. Although disclosure has become one of the central approaches for responding to financial conflicts of interest (COIs) in research, critics contend that information about financial COIs does not serve as a reliable indicator of research credibility, and therefore, studies should be evaluated solely based on their scientific merits. We argue that, while it is indeed important to evaluate studies on their scientific merits, it is often difficult to detect significant influences of financial relationships that affect research credibility. Moreover, at least five factors can be examined to determine whether financial relationships are likely to enhance, undermine, or have no impact on the credibility of research. These include as follows: whether sponsors, institutions, or researchers have a significant financial stake in the outcome of a study; whether the financial interests of the sponsors, institutions, or researchers coincide with the goal of conducting research that is objective and reliable; whether the sponsor, institution, or researchers have a history of biasing research in order to promote their financial goals; how easy it is to manipulate the research in order to achieve financial goals; and whether oversight mechanisms are in place which are designed to minimize bias. Since these factors vary from case to case, evaluating the impact of financial relationships depends on the circumstances. In some situations, onemay decide that the financial relationships significantly undermine the study’s credibility; in others, one may decide that they have no impact on credibility or even enhance it. PMID:23672544

  11. 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…

  12. HEPEX - achievements and challenges!

    NASA Astrophysics Data System (ADS)

    Pappenberger, Florian; Ramos, Maria-Helena; Thielen, Jutta; Wood, Andy; Wang, Qj; Duan, Qingyun; Collischonn, Walter; Verkade, Jan; Voisin, Nathalie; Wetterhall, Fredrik; Vuillaume, Jean-Francois Emmanuel; Lucatero Villasenor, Diana; Cloke, Hannah L.; Schaake, John; van Andel, Schalk-Jan

    2014-05-01

    HEPEX is an international initiative bringing together hydrologists, meteorologists, researchers and end-users to develop advanced probabilistic hydrological forecast techniques for improved flood, drought and water management. HEPEX was launched in 2004 as an independent, cooperative international scientific activity. During the first meeting, the overarching goal was defined as: "to develop and test procedures to produce reliable hydrological ensemble forecasts, and to demonstrate their utility in decision making related to the water, environmental and emergency management sectors." The applications of hydrological ensemble predictions span across large spatio-temporal scales, ranging from short-term and localized predictions to global climate change and regional modeling. Within the HEPEX community, information is shared through its blog (www.hepex.org), meetings, testbeds and intercompaison experiments, as well as project reportings. Key questions of HEPEX are: * What adaptations are required for meteorological ensemble systems to be coupled with hydrological ensemble systems? * How should the existing hydrological ensemble prediction systems be modified to account for all sources of uncertainty within a forecast? * What is the best way for the user community to take advantage of ensemble forecasts and to make better decisions based on them? This year HEPEX celebrates its 10th year anniversary and this poster will present a review of the main operational and research achievements and challenges prepared by Hepex contributors on data assimilation, post-processing of hydrologic predictions, forecast verification, communication and use of probabilistic forecasts in decision-making. Additionally, we will present the most recent activities implemented by Hepex and illustrate how everyone can join the community and participate to the development of new approaches in hydrologic ensemble prediction.

  13. Federal Energy Regulatory Commission fiscal year 1997 annual financial statements

    SciTech Connect

    1998-02-24

    This report presents the results of the independent certified public accountants` audit of the Federal Energy Regulatory commission`s statements of financial position, and the related statements of operations and changes in net position. The auditors` work was conducted in accordance with generally accepted government auditing standards. An independent public accounting firm conducted the audit. The auditors` reports on the Commission`s internal control structure and compliance with laws and regulations disclosed no reportable conditions or instances of noncompliance.

  14. 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.

  15. 76 FR 23859 - Financial Management Service Proposed Collection of Information; Financial Institution Agreement...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-28

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

  16. Resume Writing in Russia and the Newly Independent States

    ERIC Educational Resources Information Center

    Bowen, Betsy; Sapp, David Alan; Sargsyan, Nelly

    2006-01-01

    This article examines the teaching of resume writing at one university in Russia and several institutions in the Newly Independent States (NIS). The authors explore challenges including variable cultural norms for written versus oral communication, severe financial and material hardship in the educational sector, cultural discomfort with the norms…

  17. Federal Energy Regulatory Commission`s fiscal year 1996 financial statement audit

    SciTech Connect

    1997-02-14

    This report presents the results of the independent certified public accountants` audit of the Federal Energy Regulatory Commission`s (FERC) financial statements as of September 30, 1996. The auditors have expressed an unqualified opinion on the 1996 statement of financial position and the related statements of operations and changes in net position.

  18. Audit Guide: Audits of Federal Student Financial Assistance Programs at Participating Institutions and Institution Servicers.

    ERIC Educational Resources Information Center

    Office of Inspector General (ED), Washington, DC.

    All institutions participating in the Federal Student Financial Assistance Programs must have an annual financial aid compliance audit performed by an independent auditor. This guide is effective for fiscal years ending December 31, 1999, and thereafter, for institutions preparing for their yearly audit. The purpose of the document is to assist…

  19. 42 CFR 455.304 - Condition for Federal financial participation (FFP).

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Management Information System. (3) The Medicare 2552-96 hospital cost report(s) applicable to the Medicaid... 42 Public Health 4 2012-10-01 2012-10-01 false Condition for Federal financial participation (FFP... financial participation (FFP). (a) General rule. (1) The State must submit an independent certified audit...

  20. 42 CFR 455.304 - Condition for Federal financial participation (FFP).

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... Management Information System. (3) The Medicare 2552-96 hospital cost report(s) applicable to the Medicaid... 42 Public Health 4 2010-10-01 2010-10-01 false Condition for Federal financial participation (FFP... financial participation (FFP). (a) General rule. (1) The State must submit an independent certified audit...

  1. 42 CFR 455.304 - Condition for Federal financial participation (FFP).

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Management Information System. (3) The Medicare 2552-96 hospital cost report(s) applicable to the Medicaid... 42 Public Health 4 2013-10-01 2013-10-01 false Condition for Federal financial participation (FFP... financial participation (FFP). (a) General rule. (1) The State must submit an independent certified audit...

  2. 42 CFR 455.304 - Condition for Federal financial participation (FFP).

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Management Information System. (3) The Medicare 2552-96 hospital cost report(s) applicable to the Medicaid... 42 Public Health 4 2014-10-01 2014-10-01 false Condition for Federal financial participation (FFP... financial participation (FFP). (a) General rule. (1) The State must submit an independent certified audit...

  3. 12 CFR 563c.1 - Form and content of financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Commission (17 CFR 210.l-210.4, 210.10, and 210.11). (4) Be audited, when required, by an independent auditor... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Form and content of financial statements. 563c... ACCOUNTING REQUIREMENTS Form and Content of Financial Statements § 563c.1 Form and content of...

  4. 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

  5. Financial problems and cooperation

    SciTech Connect

    Izquierdo, J.

    1994-12-31

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

  6. 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…

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

    PubMed Central

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

    2016-01-01

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

  8. Media independent interface

    NASA Technical Reports Server (NTRS)

    1987-01-01

    The work done on the Media Independent Interface (MII) Interface Control Document (ICD) program is described and recommendations based on it were made. Explanations and rationale for the content of the ICD itself are presented.

  9. 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

  10. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  11. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

  12. 12 CFR 390.352 - Financial derivatives.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

  13. 12 CFR 163.172 - Financial derivatives.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  14. 12 CFR 390.352 - Financial derivatives.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  15. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  16. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  17. Climate Change Risk Management Consulting: The opportunity for an independent business practice

    NASA Astrophysics Data System (ADS)

    Ciccozzi, R.

    2009-04-01

    The Paper outlines the main questions to be addressed with reference to the actual demand of climate change risk management consulting, in the financial services. Moreover, the Project shall also try to investigate if the Catastrophe Modelling Industry can start and manage a business practice specialised on climate change risk exposures. In this context, the Paper aims at testing the possibility to build a sound business case, based upon typical MBA course analysis tools, such as PEST(LE), SWOT, etc. Specific references to the tools to be used and to other contribution from academic literature and general documentation are also discussed in the body of the Paper and listed at the end. The analysis shall also focus on the core competencies required for an independent climate change risk management consulting business practice, with the purpose to outline a valid definition of how to achieve competitive advantage in climate change risk management consulting.

  18. 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

  19. Comparing Science Achievement Constructs: Targeted and Achieved

    ERIC Educational Resources Information Center

    Ferrara, Steve; Duncan, Teresa

    2011-01-01

    This article illustrates how test specifications based solely on academic content standards, without attention to other cognitive skills and item response demands, can fall short of their targeted constructs. First, the authors inductively describe the science achievement construct represented by a statewide sixth-grade science proficiency test.…

  20. Varieties of Achievement Motivation.

    ERIC Educational Resources Information Center

    Kukla, Andre; Scher, Hal

    1986-01-01

    A recent article by Nicholls on achievement motivation is criticized on three points: (1) definitions of achievement motives are ambiguous; (2) behavioral consequences predicted do not follow from explicit theoretical assumptions; and (3) Nicholls's account of the relation between his theory and other achievement theories is factually incorrect.…

  1. Motivation and School Achievement.

    ERIC Educational Resources Information Center

    Maehr, Martin L.; Archer, Jennifer

    Addressing the question, "What can be done to promote school achievement?", this paper summarizes the literature on motivation relating to classroom achievement and school effectiveness. Particular attention is given to how values, ideology, and various cultural patterns impinge on classroom performance and serve to enhance motivation to achieve.…

  2. Mobility and Reading Achievement.

    ERIC Educational Resources Information Center

    Waters, Theresa Z.

    A study examined the effect of geographic mobility on elementary school students' achievement. Although such mobility, which requires students to make multiple moves among schools, can have a negative impact on academic achievement, the hypothesis for the study was that it was not a determining factor in reading achievement test scores. Subjects…

  3. PASS and Reading Achievement.

    ERIC Educational Resources Information Center

    Kirby, John R.

    Two studies examined the effectiveness of the PASS (Planning, Attention, Simultaneous, and Successive cognitive processes) theory of intelligence in predicting reading achievement scores of normally achieving children and distinguishing children with reading disabilities from normally achieving children. The first study dealt with predicting…

  4. Enabling implementation of the Global Vaccine Action Plan: developing investment cases to achieve targets for measles and rubella prevention.

    PubMed

    Thompson, Kimberly M; Strebel, Peter M; Dabbagh, Alya; Cherian, Thomas; Cochi, Stephen L

    2013-04-18

    Global prevention and control of infectious diseases requires significant investment of financial and human resources and well-functioning leadership and management structures. The reality of competing demands for limited resources leads to trade-offs and questions about the relative value of specific investments. Developing investment cases can help to provide stakeholders with information about the benefits, costs, and risks associated with available options, including examination of social, political, governance, and ethical issues. We describe the process of developing investment cases for globally coordinated management of action plans for measles and rubella as tools for enabling the implementation of the Global Vaccine Action Plan (GVAP). We focus on considerations related to the timing of efforts to achieve measles and rubella goals independently and within the context of ongoing polio eradication efforts, other immunization priorities, and other efforts to control communicable diseases or child survival initiatives. Our analysis suggests that the interactions between the availability and sustainability of financial support, sufficient supplies of vaccines, capacity of vaccine delivery systems, and commitments at all levels will impact the feasibility and timing of achieving national, regional, and global goals. The timing of investments and achievements will determine the net financial and health benefits obtained. The methodology, framing, and assumptions used to characterize net benefits and uncertainties in the investment cases will impact estimates and perceptions about the value of prevention achieved overall by the GVAP. We suggest that appropriately valuing the benefits of investments of measles and rubella prevention will require the use of integrated dynamic disease, economic, risk, and decision analytic models in combination with consideration of qualitative factors, and that synthesizing information in the form of investment cases may help

  5. Metering Best Practices, A Guide to Achieving Utility Resource Efficiency, Release 2.0

    SciTech Connect

    Sullivan, Greg; Hunt, W. D.; Pugh, Ray; Sandusky, William F.; Koehler, Theresa M.; Boyd, Brian K.

    2011-08-31

    This release is an update and expansion of the information provided in Release 1.0 of the Metering Best Practice Guide that was issued in October 2007. This release, as was the previous release, was developed under the direction of the U.S. Department of Energy's Federal Energy Management Program (FEMP). The mission of FEMP is to facilitate the Federal Government's implementation of sound cost-effective energy management and investment practices to enhance the nation's energy security and environmental stewardship. Each of these activities is directly related to achieving requirements set forth in the Energy Policy Acts of 1992 and 2005, the Energy Independence and Security Act (EISA) of 2007, and the goals that have been established in Executive Orders 13423 and 13514 - and also those practices that are inherent in sound management of Federal financial and personnel resources.

  6. How to design a financial planning model.

    PubMed

    Hayen, R L

    1983-10-01

    Corporate planning models frequently consist of integrated pro forma income statements, statements of financial position, and cashflow statements. When implemented by utilizing computer-based planning systems, these models allow managers to explore potential decisions in 'what if?' planning analyses. The logic of an integrated financial statement planning model can be arranged following either a 'funds needed to balance approach' or a 'direct approach'. With a funds needed to balance approach total assets are set equal to total liabilities plus equities to satisfy this fundamental accounting identity. Logic in such models is often difficult to validate. In the direct approach, total assets are calculated independently of total liabilities plus equities providing an extremely strong test for model validation prior to using the model to assess 'what if' alternatives. In this paper, the author discusses the logic of integrated financial planning models and their implementation with computer-based planning systems. The funds need to balance approach and the direct approach are described and contrasted to assist corporate planners in evaluating and selecting a method for constructing the logic of corporate planning models. PMID:10299309

  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. Independent NOAA considered

    NASA Astrophysics Data System (ADS)

    Richman, Barbara T.

    A proposal to pull the National Oceanic and Atmospheric Administration (NOAA) out of the Department of Commerce and make it an independent agency was the subject of a recent congressional hearing. Supporters within the science community and in Congress said that an independent NOAA will benefit by being more visible and by not being tied to a cabinet-level department whose main concerns lie elsewhere. The proposal's critics, however, cautioned that making NOAA independent could make it even more vulnerable to the budget axe and would sever the agency's direct access to the President.The separation of NOAA from Commerce was contained in a June 1 proposal by President Ronald Reagan that also called for all federal trade functions under the Department of Commerce to be reorganized into a new Department of International Trade and Industry (DITI).

  9. Independent technical review, handbook

    SciTech Connect

    Not Available

    1994-02-01

    Purpose Provide an independent engineering review of the major projects being funded by the Department of Energy, Office of Environmental Restoration and Waste Management. The independent engineering review will address questions of whether the engineering practice is sufficiently developed to a point where a major project can be executed without significant technical problems. The independent review will focus on questions related to: (1) Adequacy of development of the technical base of understanding; (2) Status of development and availability of technology among the various alternatives; (3) Status and availability of the industrial infrastructure to support project design, equipment fabrication, facility construction, and process and program/project operation; (4) Adequacy of the design effort to provide a sound foundation to support execution of project; (5) Ability of the organization to fully integrate the system, and direct, manage, and control the execution of a complex major project.

  10. Supporting independent inventors

    SciTech Connect

    Bernard, M.J. III; Whalley, P.; Loyola Univ., Chicago, IL . Dept. of Sociology)

    1989-01-01

    Independent inventors contribute products to the marketplace despite the well-financed brain trusts at corporate, university, and federal R and D laboratories. But given the environment in which the basement/garage inventor labors, transferring a worthwhile invention into a commercial product is quite difficult. There is a growing effort by many state and local agencies and organizations to improve the inventor's working environment and begin to routinize the process of developing ideas and inventional of independent inventors into commercial products. 4 refs.

  11. Hospital pharmacy financial management: challenges of the 1980s.

    PubMed

    Nold, E G

    1984-08-01

    This paper concludes a series on financial management of hospital pharmacies. A decade of expansion of health-care services is ending. Changes in health care are predicted by examining changes that followed deregulation of the banking industry. Pharmacists' need for training in financial management is reiterated, and the need for computerized financial reports is emphasized. Pharmacy departments should prepare for constant changes in reimbursement methods and fluctuations in workload that require flexible staffing. Marketing of pharmaceutical services and increases in productivity will be necessary. Health-care cost reductions can be achieved using the available technology, although hospital closure, restructuring, and staff reductions may occur. Pharmacist-managers need financial skills to remain competitive. PMID:6475975

  12. Financial accounting for radiology executives.

    PubMed

    Seidmann, Abraham; Mehta, Tushar

    2005-03-01

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

  13. 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.

  14. 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

  15. Postcard from Independence, Mo.

    ERIC Educational Resources Information Center

    Archer, Jeff

    2004-01-01

    This article reports results showing that the Independence, Missori school district failed to meet almost every one of its improvement goals under the No Child Left Behind Act. The state accreditation system stresses improvement over past scores, while the federal law demands specified amounts of annual progress toward the ultimate goal of 100…

  16. Touchstones of Independence.

    ERIC Educational Resources Information Center

    Roha, Thomas Arden

    1999-01-01

    Foundations affiliated with public higher education institutions can avoid having to open records for public scrutiny, by having independent boards of directors, occupying leased office space or paying market value for university space, using only foundation personnel, retaining legal counsel, being forthcoming with information and use of public…

  17. Independent Human Studies.

    ERIC Educational Resources Information Center

    Kaplan, Suzanne; Wilson, Gordon

    1978-01-01

    The Independent Human Studies program at Schoolcraft College offers an alternative method of earning academic credits. Students delineate an area of study, pose research questions, gather resources, synthesize the information, state the thesis, choose the method of presentation, set schedules, and take responsibility for meeting deadlines. (MB)

  18. Caring about Independent Lives

    ERIC Educational Resources Information Center

    Christensen, Karen

    2010-01-01

    With the rhetoric of independence, new cash for care systems were introduced in many developed welfare states at the end of the 20th century. These systems allow local authorities to pay people who are eligible for community care services directly, to enable them to employ their own careworkers. Despite the obvious importance of the careworker's…

  19. Independence, Disengagement, and Discipline

    ERIC Educational Resources Information Center

    Rubin, Ron

    2012-01-01

    School disengagement is linked to a lack of opportunities for students to fulfill their needs for independence and self-determination. Young people have little say about what, when, where, and how they will learn, the criteria used to assess their success, and the content of school and classroom rules. Traditional behavior management discourages…

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

    ERIC Educational Resources Information Center

    Ideda, Masumi

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

  1. 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…

  2. 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)

  3. 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…

  4. Irregularity, volatility, risk, and financial market time series

    PubMed Central

    Pincus, Steve; Kalman, Rudolf E.

    2004-01-01

    The need to assess subtle, potentially exploitable changes in serial structure is paramount in the analysis of financial data. Herein, we demonstrate the utility of approximate entropy (ApEn), a model-independent measure of sequential irregularity, toward this goal, by several distinct applications. We consider both empirical data and models, including composite indices (Standard and Poor's 500 and Hang Seng), individual stock prices, the random-walk hypothesis, and the Black–Scholes and fractional Brownian motion models. Notably, ApEn appears to be a potentially useful marker of system stability, with rapid increases possibly foreshadowing significant changes in a financial variable. PMID:15358860

  5. Office of Industrial Technologies (OIT) Financial Assistance Brochure

    SciTech Connect

    Ericksen, E.

    1999-02-04

    In today's competitive world markets, the success of U.S. industry hinges on technological advances. Financial Assistance helps technology innovators develop and deliver clean, energy-saving technologies to the marketplace. Two Office of Industrial Technologies (OIT) programs Inventions and Innovation and NICE3 provide independent inventors, technology developers, and industry with easy access to a flexible package of services. Together, these programs issue 35 to 40 new grants each year to address pressing energy and environmental issues. Financial Assistance focuses specifically on technologies that can potentially improve energy efficiency, reduce wastes, and enhance productivity.

  6. Irregularity, volatility, risk, and financial market time series.

    PubMed

    Pincus, Steve; Kalman, Rudolf E

    2004-09-21

    The need to assess subtle, potentially exploitable changes in serial structure is paramount in the analysis of financial data. Herein, we demonstrate the utility of approximate entropy (ApEn), a model-independent measure of sequential irregularity, toward this goal, by several distinct applications. We consider both empirical data and models, including composite indices (Standard and Poor's 500 and Hang Seng), individual stock prices, the random-walk hypothesis, and the Black-Scholes and fractional Brownian motion models. Notably, ApEn appears to be a potentially useful marker of system stability, with rapid increases possibly foreshadowing significant changes in a financial variable. PMID:15358860

  7. 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

  8. Heritability of Creative Achievement

    ERIC Educational Resources Information Center

    Piffer, Davide; Hur, Yoon-Mi

    2014-01-01

    Although creative achievement is a subject of much attention to lay people, the origin of individual differences in creative accomplishments remain poorly understood. This study examined genetic and environmental influences on creative achievement in an adult sample of 338 twins (mean age = 26.3 years; SD = 6.6 years). Twins completed the Creative…

  9. Confronting the Achievement Gap

    ERIC Educational Resources Information Center

    Gardner, David

    2007-01-01

    This article talks about the large achievement gap between children of color and their white peers. The reasons for the achievement gap are varied. First, many urban minorities come from a background of poverty. One of the detrimental effects of growing up in poverty is receiving inadequate nourishment at a time when bodies and brains are rapidly…

  10. States Address Achievement Gaps.

    ERIC Educational Resources Information Center

    Christie, Kathy

    2002-01-01

    Summarizes 2 state initiatives to address the achievement gap: North Carolina's report by the Advisory Commission on Raising Achievement and Closing Gaps, containing an 11-point strategy, and Kentucky's legislation putting in place 10 specific processes. The North Carolina report is available at www.dpi.state.nc.us.closingthegap; Kentucky's…

  11. Wechsler Individual Achievement Test.

    ERIC Educational Resources Information Center

    Taylor, Ronald L.

    1999-01-01

    This article describes the Wechsler Individual Achievement Test, a comprehensive measure of achievement for individuals in grades K-12. Eight subtests assess mathematics reasoning, spelling, reading comprehension, numerical operations, listening comprehension, oral expression, and written expression. Its administration, standardization,…

  12. Inverting the Achievement Pyramid

    ERIC Educational Resources Information Center

    White-Hood, Marian; Shindel, Melissa

    2006-01-01

    Attempting to invert the pyramid to improve student achievement and increase all students' chances for success is not a new endeavor. For decades, educators have strategized, formed think tanks, and developed school improvement teams to find better ways to improve the achievement of all students. Currently, the No Child Left Behind Act (NCLB) is…

  13. Achievement Test Program.

    ERIC Educational Resources Information Center

    Ohio State Dept. of Education, Columbus. Trade and Industrial Education Service.

    The Ohio Trade and Industrial Education Achievement Test battery is comprised of seven basic achievement tests: Machine Trades, Automotive Mechanics, Basic Electricity, Basic Electronics, Mechanical Drafting, Printing, and Sheet Metal. The tests were developed by subject matter committees and specialists in testing and research. The Ohio Trade and…

  14. General Achievement Trends: Maryland

    ERIC Educational Resources Information Center

    Center on Education Policy, 2009

    2009-01-01

    This general achievement trends profile includes information that the Center on Education Policy (CEP) and the Human Resources Research Organization (HumRRO) obtained from states from fall 2008 through April 2009. Included herein are: (1) Bullet points summarizing key findings about achievement trends in that state at three performance…

  15. General Achievement Trends: Arkansas

    ERIC Educational Resources Information Center

    Center on Education Policy, 2009

    2009-01-01

    This general achievement trends profile includes information that the Center on Education Policy (CEP) and the Human Resources Research Organization (HumRRO) obtained from states from fall 2008 through April 2009. Included herein are: (1) Bullet points summarizing key findings about achievement trends in that state at three performance…

  16. General Achievement Trends: Idaho

    ERIC Educational Resources Information Center

    Center on Education Policy, 2009

    2009-01-01

    This general achievement trends profile includes information that the Center on Education Policy (CEP) and the Human Resources Research Organization (HumRRO) obtained from states from fall 2008 through April 2009. Included herein are: (1) Bullet points summarizing key findings about achievement trends in that state at three performance…

  17. General Achievement Trends: Nebraska

    ERIC Educational Resources Information Center

    Center on Education Policy, 2009

    2009-01-01

    This general achievement trends profile includes information that the Center on Education Policy (CEP) and the Human Resources Research Organization (HumRRO) obtained from states from fall 2008 through April 2009. Included herein are: (1) Bullet points summarizing key findings about achievement trends in that state at three performance…

  18. General Achievement Trends: Colorado

    ERIC Educational Resources Information Center

    Center on Education Policy, 2009

    2009-01-01

    This general achievement trends profile includes information that the Center on Education Policy (CEP) and the Human Resources Research Organization (HumRRO) obtained from states from fall 2008 through April 2009. Included herein are: (1) Bullet points summarizing key findings about achievement trends in that state at three performance…

  19. General Achievement Trends: Iowa

    ERIC Educational Resources Information Center

    Center on Education Policy, 2009

    2009-01-01

    This general achievement trends profile includes information that the Center on Education Policy (CEP) and the Human Resources Research Organization (HumRRO) obtained from states from fall 2008 through April 2009. Included herein are: (1) Bullet points summarizing key findings about achievement trends in that state at three performance…

  20. General Achievement Trends: Hawaii

    ERIC Educational Resources Information Center

    Center on Education Policy, 2009

    2009-01-01

    This general achievement trends profile includes information that the Center on Education Policy (CEP) and the Human Resources Research Organization (HumRRO) obtained from states from fall 2008 through April 2009. Included herein are: (1) Bullet points summarizing key findings about achievement trends in that state at three performance…

  1. General Achievement Trends: Kentucky

    ERIC Educational Resources Information Center

    Center on Education Policy, 2009

    2009-01-01

    This general achievement trends profile includes information that the Center on Education Policy (CEP) and the Human Resources Research Organization (HumRRO) obtained from states from fall 2008 through April 2009. Included herein are: (1) Bullet points summarizing key findings about achievement trends in that state at three performance…

  2. General Achievement Trends: Florida

    ERIC Educational Resources Information Center

    Center on Education Policy, 2009

    2009-01-01

    This general achievement trends profile includes information that the Center on Education Policy (CEP) and the Human Resources Research Organization (HumRRO) obtained from states from fall 2008 through April 2009. Included herein are: (1) Bullet points summarizing key findings about achievement trends in that state at three performance…

  3. General Achievement Trends: Texas

    ERIC Educational Resources Information Center

    Center on Education Policy, 2009

    2009-01-01

    This general achievement trends profile includes information that the Center on Education Policy (CEP) and the Human Resources Research Organization (HumRRO) obtained from states from fall 2008 through April 2009. Included herein are: (1) Bullet points summarizing key findings about achievement trends in that state at three performance…

  4. General Achievement Trends: Oregon

    ERIC Educational Resources Information Center

    Center on Education Policy, 2009

    2009-01-01

    This general achievement trends profile includes information that the Center on Education Policy (CEP) and the Human Resources Research Organization (HumRRO) obtained from states from fall 2008 through April 2009. Included herein are: (1) Bullet points summarizing key findings about achievement trends in that state at three performance…

  5. General Achievement Trends: Virginia

    ERIC Educational Resources Information Center

    Center on Education Policy, 2009

    2009-01-01

    This general achievement trends profile includes information that the Center on Education Policy (CEP) and the Human Resources Research Organization (HumRRO) obtained from states from fall 2008 through April 2009. Included herein are: (1) Bullet points summarizing key findings about achievement trends in that state at three performance…

  6. Honoring Student Achievement

    ERIC Educational Resources Information Center

    Education Digest: Essential Readings Condensed for Quick Review, 2004

    2004-01-01

    Is the concept of "honor roll" obsolete? The honor roll has always been a way for schools to recognize the academic achievement of their students. But does it motivate students? In this article, several elementary school principals share their views about honoring student achievement. Among others, Virginia principal Nancy Moga said that students…

  7. Aiming at Achievement.

    ERIC Educational Resources Information Center

    Martinez, Paul

    The Raising Quality and Achievement Program is a 3-year initiative to support further education (FE) colleges in the United Kingdom in their drive to improve students' achievement and the quality of provision. The program offers the following: (1) quality information and advice; (2) onsite support for individual colleges; (3) help with…

  8. Achieving Perspective Transformation.

    ERIC Educational Resources Information Center

    Nowak, Jens

    Perspective transformation is a consciously achieved state in which the individual's perspective on life is transformed. The new perspective serves as a vantage point for life's actions and interactions, affecting the way life is lived. Three conditions are basic to achieving perspective transformation: (1) "feeling" experience, i.e., getting in…

  9. Achieving Public Schools

    ERIC Educational Resources Information Center

    Abowitz, Kathleen Knight

    2011-01-01

    Public schools are functionally provided through structural arrangements such as government funding, but public schools are achieved in substance, in part, through local governance. In this essay, Kathleen Knight Abowitz explains the bifocal nature of achieving public schools; that is, that schools are both subject to the unitary Public compact of…

  10. General Achievement Trends: Tennessee

    ERIC Educational Resources Information Center

    Center on Education Policy, 2009

    2009-01-01

    This general achievement trends profile includes information that the Center on Education Policy (CEP) and the Human Resources Research Organization (HumRRO) obtained from states from fall 2008 through April 2009. Included herein are: (1) Bullet points summarizing key findings about achievement trends in that state at three performance…

  11. Achievement-Based Resourcing.

    ERIC Educational Resources Information Center

    Fletcher, Mike; And Others

    1992-01-01

    This collection of seven articles examines achievement-based resourcing (ABR), the concept that the funding of educational institutions should be linked to their success in promoting student achievement, with a focus on the application of ABR to postsecondary education in the United Kingdom. The articles include: (1) "Introduction" (Mick…

  12. The Protestant Work Ethic and Academic Achievement.

    ERIC Educational Resources Information Center

    Warner, Stephen L.

    The factor make-up of the Protestant Work Ethic, first presented by M. Weber, was explored, and the relationship between endorsement of the Protestant Work Ethic and academic achievement was studied in a sample of 257 high school seniors. The independent variable was level of endorsement of the Protestant Work Ethic. The dependent variable was…

  13. Review of "Our Immense Achievement Gap"

    ERIC Educational Resources Information Center

    Eaton, Susan

    2012-01-01

    This report misrepresents and then criticizes recommendations from the Minnesota Department of Education, a think tank and two independent study groups, each of which recently encouraged particular voluntary efforts to reduce concentrated poverty and achieve racial and socioeconomic integration in schools and housing in Minnesota. In building its…

  14. "Masculinity, Femininity, Achievement Conflicts and Health."

    ERIC Educational Resources Information Center

    Olds, Debra Eaton

    The objective of this study is to measure achievement motivation in terms of psychological masculinity and femininity rather than in terms of biological gender. The terms, psychological masculinity and femininity, refer to sets of characteristics desirable for both sexes. Masculine characteristics include independence, self-confidence,…

  15. 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

  16. 17 CFR 210.3A-02 - Consolidated financial statements of the registrant and its subsidiaries.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... consider what financial presentation is most meaningful in the circumstances and should follow in the... presentation when one entity directly or indirectly has a controlling financial interest in another entity... accounting, or valuation allowances in order to achieve a fair presentation. In any case, the...

  17. Strategies to Maintain School District Financial Solvency: Illinois School Business Officials' Recommendations

    ERIC Educational Resources Information Center

    Williams, Ann C.; Kersten, Thomas A.

    2013-01-01

    The purpose of this study was to identify financial management strategies that school business officials have found most successful in achieving school district financial stability. To accomplish, 208 Illinois school business officials in six counties: Cook, DuPage, Kane, Lake, McHenry, and Will counties, excluding Chicago School District 299,…

  18. 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…

  19. 7 CFR 3052.310 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  20. 29 CFR 99.310 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  1. 7 CFR 3052.310 - Financial statements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  2. 29 CFR 99.310 - Financial statements.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  3. 29 CFR 99.310 - Financial statements.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  4. 29 CFR 99.310 - Financial statements.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

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

  5. 7 CFR 3052.310 - Financial statements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  6. 29 CFR 99.310 - Financial statements.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  7. The Objective of Financial Reporting.

    ERIC Educational Resources Information Center

    Schermann, Kenneth R.

    1986-01-01

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

  8. 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…

  9. 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…

  10. The Importance of Financial Literacy

    ERIC Educational Resources Information Center

    Kezar, Adrianna; Yang, Hannah

    2010-01-01

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

  11. 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…

  12. 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)

  13. 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…

  14. Homeschooling: An Overview and Financial Implications for Public Schools.

    ERIC Educational Resources Information Center

    Ray, Brian D.; Weller, Nick

    2003-01-01

    Describes research on reasons parents choose to homeschool their children, the academic achievement of homeschooled students, their social, emotional, and psychological development, and their success in college and in life. Examines the financial impact of homeschooling on public school districts in Oregon. (Contains 17 references.) (PKP)

  15. Can Financial Incentives Enhance Educational Outcomes? Evidence from International Experiments

    ERIC Educational Resources Information Center

    Slavin, Robert E.

    2010-01-01

    In recent years, there has been a revival of interest in financial incentives to encourage students to attend school and to improve their academic achievement, graduation rates, and other outcomes. Conditional cash transfers programmes in developing countries, especially PROGRESA in Mexico, have found positive effects on attendance in large-scale…

  16. Can Financial Incentives Enhance Educational Outcomes? Evidence from International Experiments

    ERIC Educational Resources Information Center

    Slavin, Robert E.

    2009-01-01

    In recent years, there has been a revival of interest in financial incentives to encourage students to attend school and to improve their academic achievement, graduation rates, and other outcomes. Conditional cash transfer programs in developing countries, especially PROGRESA in Mexico, have found positive effects on attendance in large-scale…

  17. A Strategic Approach to Board Involvement in Financial Resource Development

    ERIC Educational Resources Information Center

    Herrmann, Siegfried

    2011-01-01

    The new strategic paradigm of resource development described in this paper recognizes that there are a number of important resources, in addition to financial ones, that are important to support the mission and to achieve the vision of a nonprofit organization, such as a college or university. It acknowledges and utilizes board members, with…

  18. Writing the Annual Financial Report at a Canadian Community Foundation

    ERIC Educational Resources Information Center

    Mittoo, Rakesh C.

    2007-01-01

    The corporate annual report is the chief document that is used to disseminate information about the financial performance and other issues pertaining to an organization. The report is typically divided into two sections: the front half with long narratives and photographs describing achievements, issues, and future goals; the second half…

  19. 75 FR 22680 - Financial Management Service; Proposed Collection of Information: Annual Financial Statement of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-29

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

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

    PubMed

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

    2011-01-01

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

  1. The independent medical examination.

    PubMed

    Ameis, Arthur; Zasler, Nathan D

    2002-05-01

    The physiatrist, owing to expertise in impairment and disability analysis, is able to offer the medicolegal process considerable assistance. This chapter describes the scope and process of the independent medical examination (IME) and provides an overview of its component parts. Practical guidelines are provided for performing a physiatric IME of professional standard, and for serving as an impartial, expert witness. Caveats are described regarding testifying and medicolegal ethical issues along with practice management advice. PMID:12122847

  2. Agent independent task planning

    NASA Technical Reports Server (NTRS)

    Davis, William S.

    1990-01-01

    Agent-Independent Planning is a technique that allows the construction of activity plans without regard to the agent that will perform them. Once generated, a plan is then validated and translated into instructions for a particular agent, whether a robot, crewmember, or software-based control system. Because Space Station Freedom (SSF) is planned for orbital operations for approximately thirty years, it will almost certainly experience numerous enhancements and upgrades, including upgrades in robotic manipulators. Agent-Independent Planning provides the capability to construct plans for SSF operations, independent of specific robotic systems, by combining techniques of object oriented modeling, nonlinear planning and temporal logic. Since a plan is validated using the physical and functional models of a particular agent, new robotic systems can be developed and integrated with existing operations in a robust manner. This technique also provides the capability to generate plans for crewmembers with varying skill levels, and later apply these same plans to more sophisticated robotic manipulators made available by evolutions in technology.

  3. Sound Financial Management: A National Conference (Dallas, Texas, August 26-28, 2002). Participant's Manual.

    ERIC Educational Resources Information Center

    Heveron, John F., Jr.; Shible, Frank; Jones, Darrell Lynn; Buppapong, Raweewan; Langbehn, Kristy; George, Carri; Petty, Richard; Heinsohn, Dawn

    The participant's manual contains training materials for a national conference on sound financial management for agencies concerned with promoting independent living for people with disabilities. Preliminary materials include the conference agenda, background information about the trainers, and organizational information on Independent Living…

  4. [Achievement of therapeutic objectives].

    PubMed

    Mantilla, Teresa

    2014-07-01

    Therapeutic objectives for patients with atherogenic dyslipidemia are achieved by improving patient compliance and adherence. Clinical practice guidelines address the importance of treatment compliance for achieving objectives. The combination of a fixed dose of pravastatin and fenofibrate increases the adherence by simplifying the drug regimen and reducing the number of daily doses. The good tolerance, the cost of the combination and the possibility of adjusting the administration to the patient's lifestyle helps achieve the objectives for these patients with high cardiovascular risk. PMID:25043543

  5. Independence among People with Disabilities: II. Personal Independence Profile.

    ERIC Educational Resources Information Center

    Nosek, Margaret A.; And Others

    1992-01-01

    Developed Personal Independence Profile (PIP) as an instrument to measure aspects of independence beyond physical and cognitive functioning in people with diverse disabilities. PIP was tested for reliability and validity with 185 subjects from 10 independent living centers. Findings suggest that the Personal Independence Profile measures the…

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

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 39 Postal Service 1 2011-07-01 2011-07-01 false Requesting financial records from a financial... INSPECTION SERVICE AUTHORITY § 233.5 Requesting financial records from a financial institution. (a... Department of the U.S. Postal Service to request financial records from a financial institution pursuant...

  7. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 39 Postal Service 1 2013-07-01 2013-07-01 false Requesting financial records from a financial... INSPECTION SERVICE AUTHORITY § 233.5 Requesting financial records from a financial institution. (a... Department of the U.S. Postal Service to request financial records from a financial institution pursuant...

  8. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Requesting financial records from a financial... INSPECTION SERVICE AUTHORITY § 233.5 Requesting financial records from a financial institution. (a... Department of the U.S. Postal Service to request financial records from a financial institution pursuant...

  9. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 39 Postal Service 1 2014-07-01 2014-07-01 false Requesting financial records from a financial... INSPECTION SERVICE AUTHORITY § 233.5 Requesting financial records from a financial institution. (a... Department of the U.S. Postal Service to request financial records from a financial institution pursuant...

  10. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 39 Postal Service 1 2012-07-01 2012-07-01 false Requesting financial records from a financial... INSPECTION SERVICE AUTHORITY § 233.5 Requesting financial records from a financial institution. (a... Department of the U.S. Postal Service to request financial records from a financial institution pursuant...

  11. Predicting Achievement and Motivation.

    ERIC Educational Resources Information Center

    Uguroglu, Margaret; Walberg, Herbert J.

    1986-01-01

    Motivation and nine other factors were measured for 970 students in grades five through eight in a study of factors predicting achievement and predicting motivation. Results are discussed. (Author/MT)

  12. Attractiveness and School Achievement

    ERIC Educational Resources Information Center

    Salvia, John; And Others

    1977-01-01

    The purpose of this study was to ascertain the relationship between rated attractiveness and two measures of school performance. Attractive children received significantly higher report cards and, to some degree, higher achievement test scores than their unattractive peers. (Author)

  13. Student Achievement and Motivation

    ERIC Educational Resources Information Center

    Flammer, Gordon H.; Mecham, Robert C.

    1974-01-01

    Compares the lecture and self-paced methods of instruction on the basis of student motivation and achieveme nt, comparing motivating and demotivating factors in each, and their potential for motivation and achievement. (Authors/JR)

  14. 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)

  15. Capital at Home and at School: Effects on Student Achievement.

    ERIC Educational Resources Information Center

    Parcel, Toby L.; Dufur, Mikaela J.

    2001-01-01

    Analysis of longitudinal data on over 2,000 elementary school students found that reading and mathematics achievement were modestly affected by financial and social capital at school and more strongly affected by indicators of family capital; combinations of school and family capital boosted or modified additive findings. (Contains 69 references.)…

  16. Academic Achievement of Girls in Rural Schools in Kenya

    ERIC Educational Resources Information Center

    Mungai, A. M.

    2012-01-01

    This study examined the effect of two family factors (financial, social capital) and school factors on students' achievement. One hundred eighty two, seventh-grade female students from nine schools in Muranga district, Kenya, were studied. The statistical procedures included logit regression, cross-tabulations, frequency counting and chi-square…

  17. Creating Quality Choices: Charters. Closing the Achievement Gap Series

    ERIC Educational Resources Information Center

    Read, Tory

    2008-01-01

    The "Closing the Achievement Gap" series explores the Casey Foundation's education investments and presents stories, results, and lessons learned. This publication presents stories about two successful charter efforts and Foundation contributions. Contributions include: (1) Supporting a variety of activities and programs; (2) Financial support for…

  18. An independent hydrogen source

    SciTech Connect

    Kobzenko, G.F.; Chubenko, M.V.; Kobzenko, N.S.; Senkevich, A.I.; Shkola, A.A.

    1985-10-01

    Descriptions are given of the design and operation of an independent hydrogen source used in purifying and storing hydrogen. If LaNi/sub 5/ or TiFe is used as the sorbent, one can store about 500 liter of chemically bound hydrogen in a vessel of 0.9 liter. Molecular purification of the desorbed hydrogen is used. The IHS is a safe hydrogen source, since the hydrogen is trapped in the sorbent in the chemically bound state and in equilibrium with LaNi/sub 5/Hx at room temperature. If necessary, the IHS can serve as a compressor and provide higher hydrogen pressures. The device is compact and transportable.

  19. Employee vs independent contractor.

    PubMed

    Kolender, Ellen

    2012-01-01

    Finding qualified personnel for the cancer registry department has become increasingly difficult, as experienced abstractors retire and cancer diagnoses increase. Faced with hiring challenges, managers turn to teleworkers to fill positions and accomplish work in a timely manner. Suddenly, the hospital hires new legal staff and all telework agreements are disrupted. The question arises: Are teleworkers employees or independent contractors? Creating telework positions requires approval from the legal department and human resources. Caught off-guard in the last quarter of the year, I found myself again faced with hiring challenges. PMID:23599033

  20. Cary Potter on Independent Education

    ERIC Educational Resources Information Center

    Potter, Cary

    1978-01-01

    Cary Potter was President of the National Association of Independent Schools from 1964-1978. As he leaves NAIS he gives his views on education, on independence, on the independent school, on public responsibility, on choice in a free society, on educational change, and on the need for collective action by independent schools. (Author/RK)

  1. Myth or Truth: Independence Day.

    ERIC Educational Resources Information Center

    Gardner, Traci

    Most Americans think of the Fourth of July as Independence Day, but is it really the day the U.S. declared and celebrated independence? By exploring myths and truths surrounding Independence Day, this lesson asks students to think critically about commonly believed stories regarding the beginning of the Revolutionary War and the Independence Day…

  2. Empowering Physicians with Financial Literacy.

    PubMed

    Bar-Or, Yuval

    2015-01-01

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

  3. The Relationships among Three Factors Affecting the Financial Decision-Making Abilities of Adults with Mild Intellectual Disabilities

    ERIC Educational Resources Information Center

    Suto, W. M. I.; Clare, I. C. H.; Holland, A. J.; Watson, P. C.

    2005-01-01

    Among adults with intellectual disabilities (IDs), there is a need not only to assess financial decision-making capacity, but also to understand how it can be maximized. Although increased financial independence is a goal for many people, it is essential that individuals decision-making abilities are sufficient, and many factors may affect the…

  4. Responding to the HIT imperative: a guide for independent hospitals.

    PubMed

    Burgdorfer, Rex; Simnick, Jeff

    2016-02-01

    Independent hospitals and small health systems that lack the financial wherewithal to develop an electronic health record system on their own, and that are seeking an alternative strategy, should keep in mind five lessons learned by organizations that have faced a similar challenge: Review the full range of options. Be realistic and acknowledge the importance of strong management. Adhere to a budget. Reach out to peers. Be wary of competitors' offers to help. PMID:26999977

  5. 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.

  6. Political Independence and Educational Opportunity in Peninsular Malaysia.

    ERIC Educational Resources Information Center

    Hirschman, Charles

    1979-01-01

    Chronicles the rapid growth in educational achievement and equality which has taken place in Malaysia as a result of political independence in 1957. Theorizes that the policies of the independent government, particularly in the area of greater accessibility of primary schooling, are largely responsible for the reduction of educational disparities.…

  7. 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)

  8. Frame independent cosmological perturbations

    SciTech Connect

    Prokopec, Tomislav; Weenink, Jan E-mail: j.g.weenink@uu.nl

    2013-09-01

    We compute the third order gauge invariant action for scalar-graviton interactions in the Jordan frame. We demonstrate that the gauge invariant action for scalar and tensor perturbations on one physical hypersurface only differs from that on another physical hypersurface via terms proportional to the equation of motion and boundary terms, such that the evolution of non-Gaussianity may be called unique. Moreover, we demonstrate that the gauge invariant curvature perturbation and graviton on uniform field hypersurfaces in the Jordan frame are equal to their counterparts in the Einstein frame. These frame independent perturbations are therefore particularly useful in relating results in different frames at the perturbative level. On the other hand, the field perturbation and graviton on uniform curvature hypersurfaces in the Jordan and Einstein frame are non-linearly related, as are their corresponding actions and n-point functions.

  9. Explorations in achievement motivation

    NASA Technical Reports Server (NTRS)

    Helmreich, Robert L.

    1982-01-01

    Recent research on the nature of achievement motivation is reviewed. A three-factor model of intrinsic motives is presented and related to various criteria of performance, job satisfaction and leisure activities. The relationships between intrinsic and extrinsic motives are discussed. Needed areas for future research are described.

  10. Achieving health care affordability.

    PubMed

    Payson, Norman C

    2002-10-01

    Not all plans are jumping headlong into the consumer-centric arena. In this article, the CEO of Oxford Health Plans discusses how advanced managed care can achieve what other consumer-centric programs seek to do--provide affordable, quality health care. PMID:12391815

  11. Issues in Achievement Testing.

    ERIC Educational Resources Information Center

    Baker, Eva L.

    This booklet is intended to help school personnel, parents, students, and members of the community understand concepts and research relating to achievement testing in public schools. The paper's sections include: (1) test use with direct effects on students (test of certification, selection, and placement); (2) test use with indirect effects on…

  12. Achieving Peace through Education.

    ERIC Educational Resources Information Center

    Clarken, Rodney H.

    While it is generally agreed that peace is desirable, there are barriers to achieving a peaceful world. These barriers are classified into three major areas: (1) an erroneous view of human nature; (2) injustice; and (3) fear of world unity. In a discussion of these barriers, it is noted that although the consciousness and conscience of the world…

  13. Achieving All Our Ambitions

    ERIC Educational Resources Information Center

    Hartley, Tricia

    2009-01-01

    National learning and skills policy aims both to build economic prosperity and to achieve social justice. Participation in higher education (HE) has the potential to contribute substantially to both aims. That is why the Campaign for Learning has supported the ambition to increase the proportion of the working-age population with a Level 4…

  14. Intelligence and Educational Achievement

    ERIC Educational Resources Information Center

    Deary, Ian J.; Strand, Steve; Smith, Pauline; Fernandes, Cres

    2007-01-01

    This 5-year prospective longitudinal study of 70,000+ English children examined the association between psychometric intelligence at age 11 years and educational achievement in national examinations in 25 academic subjects at age 16. The correlation between a latent intelligence trait (Spearman's "g"from CAT2E) and a latent trait of educational…

  15. SALT and Spelling Achievement.

    ERIC Educational Resources Information Center

    Nelson, Joan

    A study investigated the effects of suggestopedic accelerative learning and teaching (SALT) on the spelling achievement, attitudes toward school, and memory skills of fourth-grade students. Subjects were 20 male and 28 female students from two self-contained classrooms at Kennedy Elementary School in Rexburg, Idaho. The control classroom and the…

  16. NCLB: Achievement Robin Hood?

    ERIC Educational Resources Information Center

    Bracey, Gerald W.

    2008-01-01

    In his "Wall Street Journal" op-ed on the 25th of anniversary of "A Nation At Risk", former assistant secretary of education Chester E. Finn Jr. applauded the report for turning U.S. education away from equality and toward achievement. It was not surprising, then, that in mid-2008, Finn arranged a conference to examine the potential "Robin Hood…

  17. INTELLIGENCE, PERSONALITY AND ACHIEVEMENT.

    ERIC Educational Resources Information Center

    MUIR, R.C.; AND OTHERS

    A LONGITUDINAL DEVELOPMENTAL STUDY OF A GROUP OF MIDDLE CLASS CHILDREN IS DESCRIBED, WITH EMPHASIS ON A SEGMENT OF THE RESEARCH INVESTIGATING THE RELATIONSHIP OF ACHIEVEMENT, INTELLIGENCE, AND EMOTIONAL DISTURBANCE. THE SUBJECTS WERE 105 CHILDREN AGED FIVE TO 6.3 ATTENDING TWO SCHOOLS IN MONTREAL. EACH CHILD WAS ASSESSED IN THE AREAS OF…

  18. School Students' Science Achievement

    ERIC Educational Resources Information Center

    Shymansky, James; Wang, Tzu-Ling; Annetta, Leonard; Everett, Susan; Yore, Larry D.

    2013-01-01

    This paper is a report of the impact of an externally funded, multiyear systemic reform project on students' science achievement on a modified version of the Third International Mathematics and Science Study (TIMSS) test in 33 small, rural school districts in two Midwest states. The systemic reform effort utilized a cascading leadership strategy…

  19. Advancing Student Achievement

    ERIC Educational Resources Information Center

    Walberg, Herbert J.

    2010-01-01

    For the last half century, higher spending and many modern reforms have failed to raise the achievement of students in the United States to the levels of other economically advanced countries. A possible explanation, says Herbert Walberg, is that much current education theory is ill informed about scientific psychology, often drawing on fads and…

  20. Essays on Educational Achievement

    ERIC Educational Resources Information Center

    Ampaabeng, Samuel Kofi

    2013-01-01

    This dissertation examines the determinants of student outcomes--achievement, attainment, occupational choices and earnings--in three different contexts. The first two chapters focus on Ghana while the final chapter focuses on the US state of Massachusetts. In the first chapter, I exploit the incidence of famine and malnutrition that resulted to…

  1. Increasing Male Academic Achievement

    ERIC Educational Resources Information Center

    Jackson, Barbara Talbert

    2008-01-01

    The No Child Left Behind legislation has brought greater attention to the academic performance of American youth. Its emphasis on student achievement requires a closer analysis of assessment data by school districts. To address the findings, educators must seek strategies to remedy failing results. In a mid-Atlantic district of the Unites States,…

  2. Setting and Achieving Objectives.

    ERIC Educational Resources Information Center

    Knoop, Robert

    1986-01-01

    Provides basic guidelines which school officials and school boards may find helpful in negotiating, establishing, and managing objectives. Discusses characteristics of good objectives, specific and directional objectives, multiple objectives, participation in setting objectives, feedback on goal process and achievement, and managing a school…

  3. Schools Achieving Gender Equity.

    ERIC Educational Resources Information Center

    Revis, Emma

    This guide is designed to assist teachers presenting the Schools Achieving Gender Equity (SAGE) curriculum for vocational education students, which was developed to align gender equity concepts with the Kentucky Education Reform Act (KERA). Included in the guide are lesson plans for classes on the following topics: legal issues of gender equity,…

  4. Iowa Women of Achievement.

    ERIC Educational Resources Information Center

    Ohrn, Deborah Gore, Ed.

    1993-01-01

    This issue of the Goldfinch highlights some of Iowa's 20th century women of achievement. These women have devoted their lives to working for human rights, education, equality, and individual rights. They come from the worlds of politics, art, music, education, sports, business, entertainment, and social work. They represent Native Americans,…

  5. Achievements or Disasters?

    ERIC Educational Resources Information Center

    Goodwin, MacArthur

    2000-01-01

    Focuses on policy issues that have affected arts education in the twentieth century, such as: interest in discipline-based arts education, influence of national arts associations, and national standards and coordinated assessment. States that whether the policy decisions are viewed as achievements or disasters are for future determination. (CMK)

  6. Minority Achievement Report.

    ERIC Educational Resources Information Center

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

    This report summarizes the achievements of Prince George's Community College (PGCC) with regard to minority outcomes. Table 1 summarizes the undergraduate enrollment trends for African Americans as well as total minorities from fall 1994 through fall 1998. Both the headcount number of African American students and the proportion of African…

  7. Appraising Reading Achievement.

    ERIC Educational Resources Information Center

    Ediger, Marlow

    To determine quality sequence in pupil progress, evaluation approaches need to be used which guide the teacher to assist learners to attain optimally. Teachers must use a variety of procedures to appraise student achievement in reading, because no one approach is adequate. Appraisal approaches might include: (1) observation and subsequent…

  8. 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

  9. Financial literacy is associated with white matter integrity in old age.

    PubMed

    Han, S Duke; Boyle, Patricia A; Arfanakis, Konstantinos; Fleischman, Debra; Yu, Lei; James, Bryan D; Bennett, David A

    2016-04-15

    Financial literacy, the ability to understand, access, and utilize information in ways that contribute to optimal financial outcomes, is important for independence and wellbeing in old age. We previously reported that financial literacy is associated with greater functional connectivity between brain regions in old age. Here, we tested the hypothesis that higher financial literacy would be associated with greater white matter integrity in old age. Participants included 346 persons without dementia (mean age=81.36, mean education=15.39, male/female=79/267, mean MMSE=28.52) from the Rush Memory and Aging Project. Financial literacy was assessed using a series of questions imbedded as part of an ongoing decision making study. White matter integrity was assessed with diffusion anisotropy measured with diffusion tensor magnetic resonance imaging (DTI). We tested the hypothesis that higher financial literacy is associated with higher diffusion anisotropy in white matter, adjusting for the effects of age, education, sex, and white matter hyperintense lesions. We then repeated the analysis also adjusting for cognitive function. Analyses revealed regions with significant positive associations between financial literacy and diffusion anisotropy, and many remained significant after accounting for cognitive function. White matter tracts connecting right hemisphere temporal-parietal brain regions were particularly implicated. Greater financial literacy is associated with higher diffusion anisotropy in white matter of nondemented older adults after adjusting for important covariates. These results suggest that financial literacy is positively associated with white matter integrity in old age. PMID:26899784

  10. A 2 X 2 achievement goal framework.

    PubMed

    Elliot, A J; McGregor, H A

    2001-03-01

    A 2 x 2 achievement goal framework comprising mastery-approach, mastery-avoidance, performance-approach, and performance-avoidance goals was proposed and tested in 3 studies. Factor analytic results supported the independence of the 4 achievement goal constructs. The goals were examined with respect to several important antecedents (e.g., motive dispositions, implicit theories, socialization histories) and consequences (e.g., anticipatory test anxiety, exam performance, health center visits), with particular attention allocated to the new mastery-avoidance goal construct. The results revealed distinct empirical profiles for each of the achievement goals; the pattern for mastery-avoidance goals was, as anticipated, more negative than that for mastery-approach goals and more positive than that for performance-avoidance goals. Implications of the present work for future theoretical development in the achievement goal literature are discussed. PMID:11300582

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 38 CFR 41.310 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  17. 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...

  18. 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...

  19. 18 CFR 740.6 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  20. 31 CFR 597.307 - Financial institution.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  1. 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...

  2. 7 CFR 550.53 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  3. 7 CFR 1221.113 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  4. 49 CFR 256.7 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  5. 10 CFR 61.15 - Financial information.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  6. 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…

  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. 31 CFR 596.304 - Financial transaction.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  9. 38 CFR 21.6260 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  10. 38 CFR 21.6260 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  11. 48 CFR 828.7103 - Financial protection.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

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

  12. 7 CFR 4279.137 - Financial statements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  13. 7 CFR 550.53 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 6 2011-01-01 2011-01-01 false Financial reporting. 550.53 Section 550.53 Agriculture... Reports and Records § 550.53 Financial reporting. Financial Status Report. (a) Each REE Agency shall.... A financial status report shall consist of the following information: (1) The name and address...

  14. 38 CFR 41.310 - Financial statements.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

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

  15. 7 CFR 2500.046 - Financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  16. 7 CFR 3430.56 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  17. 5 CFR 845.304 - Financial hardship.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

  18. 25 CFR 700.455 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  19. 7 CFR 3430.56 - Financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  20. 31 CFR 596.304 - Financial transaction.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  1. 10 CFR 61.15 - Financial information.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  2. 31 CFR 226.6 - Financial reports.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  3. 25 CFR 700.455 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  4. 5 CFR 831.1404 - Financial hardship.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

  5. 38 CFR 21.6260 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

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

  6. 7 CFR 4279.137 - Financial statements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  7. 5 CFR 831.1404 - Financial hardship.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  8. 34 CFR 668.172 - Financial ratios.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  9. 34 CFR 668.172 - Financial ratios.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  10. 31 CFR 226.6 - Financial reports.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  11. 31 CFR 29.524 - Financial hardship.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  12. 7 CFR 1738.211 - Financial information.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  13. 31 CFR 226.6 - Financial reports.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

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

  14. 7 CFR 550.53 - Financial reporting.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 6 2012-01-01 2012-01-01 false Financial reporting. 550.53 Section 550.53 Agriculture... Reports and Records § 550.53 Financial reporting. Financial Status Report. (a) Each REE Agency shall.... A financial status report shall consist of the following information: (1) The name and address...

  15. 5 CFR 845.304 - Financial hardship.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  16. 77 FR 16894 - Financial Research Advisory Committee

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-03-22

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

  17. Long Range Financial Forecasting for School Districts.

    ERIC Educational Resources Information Center

    Baker, Michael E.

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

  18. 17 CFR 38.604 - Financial surveillance.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  19. 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…

  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. The integrity of independent variables in behavior analysis.

    PubMed Central

    Peterson, L; Homer, A L; Wonderlich, S A

    1982-01-01

    Establishing a functional relationship between the independent and the dependent variable is the primary focus of applied behavior analysis. Accurate and reliable description and observation of both the independent and dependent variables are necessary to achieve this goal. Although considerable attention has been focused on ensuring the integrity of the dependent variable in the operant literature, similar effort has not been directed at ensuring the integrity of the independent variable. Inaccurate descriptions of the application of the independent variable may threaten the reliability and validity of operant research data. A survey of articles in the Journal of Applied Behavior Analysis demonstrated that the majority of articles published do not use any assessment of the actual occurrence of the independent variable and a sizable minority do not provide operational definitions of the independent variable. The feasibility and utility of ensuring the integrity of the independent variable is described. PMID:7153187

  2. Predicting genetics achievement in nonmajors college biology

    NASA Astrophysics Data System (ADS)

    Mitchell, Angela; Lawson, Anton E.

    Students enrolled in a non-majors college biology course were pretested to determine their level of intellectual development, degree of field independence, mental capacity, amount of prior genetics knowledge, and amount of fluid intelligence. They were then taught a unit on Mendelian genetics. The only student variables found to not account for a significant amount of variance on a test of reading comprehension and/or a test of genetics achievement was amount of prior genetics knowledge. Developmental level was found to be the most consistent predictor of performance, suggesting that a lack of general hypothetico-deductive reasoning ability is a major factor limiting achievement among these students.

  3. Achieving Goal Blood Pressure.

    PubMed

    Laurent, Stéphane

    2015-07-01

    Both monotherapy and combination therapy options are appropriate for antihypertensive therapy according to the 2013 European Society of Hypertension (ESH)/European Society of Cardiology (ESC) guidelines. Most patients require more than one agent to achieve blood pressure (BP) control, and adding a second agent is more effective than doubling the dose of existing therapy. The addition of a third agent may be required to achieve adequate BP reductions in some patients. Single-pill fixed-dose combinations (FDCs) allow multiple-drug regimens to be delivered without any negative impact on patient compliance or persistence with therapy. FDCs also have documented beneficial clinical effects and use of FDCs containing two or three agents is recommended by the 2013 ESH/ESC guidelines. PMID:26002423

  4. Wear Independent Similarity.

    PubMed

    Steele, Adam; Davis, Alexander; Kim, Joohyung; Loth, Eric; Bayer, Ilker S

    2015-06-17

    This study presents a new factor that can be used to design materials where desired surface properties must be retained under in-system wear and abrasion. To demonstrate this factor, a synthetic nonwetting coating is presented that retains chemical and geometric performance as material is removed under multiple wear conditions: a coarse vitrified abradant (similar to sanding), a smooth abradant (similar to rubbing), and a mild abradant (a blend of sanding and rubbing). With this approach, such a nonwetting material displays unprecedented mechanical durability while maintaining desired performance under a range of demanding conditions. This performance, herein termed wear independent similarity performance (WISP), is critical because multiple mechanisms and/or modes of wear can be expected to occur in many typical applications, e.g., combinations of abrasion, rubbing, contact fatigue, weathering, particle impact, etc. Furthermore, these multiple wear mechanisms tend to quickly degrade a novel surface's unique performance, and thus many promising surfaces and materials never scale out of research laboratories. Dynamic goniometry and scanning electron microscopy results presented herein provide insight into these underlying mechanisms, which may also be applied to other coatings and materials. PMID:26018058

  5. 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…

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

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  7. Studying the Independent School Library

    ERIC Educational Resources Information Center

    Cahoy, Ellysa Stern; Williamson, Susan G.

    2008-01-01

    In 2005, the American Association of School Librarians' Independent Schools Section conducted a national survey of independent school libraries. This article analyzes the results of the survey, reporting specialized data and information regarding independent school library budgets, collections, services, facilities, and staffing. Additionally, the…

  8. Financial methods in competitive electricity markets

    NASA Astrophysics Data System (ADS)

    Deng, Shijie

    The restructuring of electric power industry has become a global trend. As reforms to the electricity supply industry spread rapidly across countries and states, many political and economical issues arise as a result of people debating over which approach to adopt in restructuring the vertically integrated electricity industry. This dissertation addresses issues of transmission pricing, electricity spot price modeling, as well as risk management and asset valuation in a competitive electricity industry. A major concern in the restructuring of the electricity industries is the design of a transmission pricing scheme that will ensure open-access to the transmission networks. I propose a priority-pricing scheme for zonal access to the electric power grid that is uniform across all buses in each zone. The Independent System Operator (ISO) charges bulk power traders a per unit ex ante transmission access fee based on the expected option value of the generated power with respect to the random zonal spot prices. The zonal access fee depends on the injection zone and a self-selected strike price determining the scheduling priority of the transaction. Inter zonal transactions are charged (or credited) with an additional ex post congestion fee that equals the zonal spot price difference. The unit access fee entitles a bulk power trader to either physical injection of one unit of energy or a compensation payment that equals to the difference between the realized zonal spot price and the selected strike price. The ISO manages congestion so as to minimize net compensation payments and thus, curtailment probabilities corresponding to a particular strike price may vary by bus. The rest of the dissertation deals with the issues of modeling electricity spot prices, pricing electricity financial instruments and the corresponding risk management applications. Modeling the spot prices of electricity is important for the market participants who need to understand the risk factors in

  9. Financial Benefits of a Hepatopancreaticobiliary Program.

    PubMed

    Rosemurgy, Alexander S; Ryan, Carrie E; Klein, Richard L; Wood, Thomas W; Co, Franka; Ross, Sharona B

    2016-05-01

    Financial implications of developing a hepatopancreaticobiliary (HPB) center have not been considered. We undertook this study to determine hospital income associated with a new HPB center and to gauge the opportunity cost associated with such a center. Operations included were based on the HPB fellowship curriculum and the six most commonly undertaken general surgery operations. The income with "core" HPB operations (n = 93) and the six most frequently undertaken general surgery operations (n = 583) at one hospital from June 2012 to June 2013 were determined. Patients were not screened based on the ability to pay. Data are reported as mean ± standard deviation. Per operation, hospital income with HPB operations and general surgery operations were $15,583.20 ± $45,909.41 and $5,162.22 ± $33,679.10 (P < 0.005), respectively. Accordingly, net incomes of $1,449,238.04 (n = 93) and $3,009,572.78 (n = 583) were observed. Although general surgery operations are ubiquitous, HPB centers are uncommonly pursued at most hospitals, in part due to the patient volumes necessary to meet the expertise required. A "core" HPB operation produces triple the net income of a general surgery operation. Accordingly, significant financial benefit is achievable with the development of an HPB center when adequate volume is realized. PMID:27215715

  10. 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.

  11. Achieving Magnet status.

    PubMed

    Ellis, Beckie; Gates, Judy

    2005-01-01

    Magnet has become the gold standard for nursing excellence. It is the symbol of effective and safe patient care. It evaluates components that inspire safe care, including employee satisfaction and retention, professional education, and effective interdisciplinary collaboration. In an organization whose mission focuses on excellent patient care, Banner Thunderbird Medical Center found that pursuing Magnet status was clearly the next step. In this article, we will discuss committee selection, education, team building, planning, and the discovery process that define the Magnet journey. The road to obtaining Magnet status has permitted many opportunities to celebrate our achievements. PMID:16056158

  12. When Can Social Media Lead Financial Markets?

    NASA Astrophysics Data System (ADS)

    Zheludev, Ilya; Smith, Robert; Aste, Tomaso

    2014-02-01

    Social media analytics is showing promise for the prediction of financial markets. However, the true value of such data for trading is unclear due to a lack of consensus on which instruments can be predicted and how. Current approaches are based on the evaluation of message volumes and are typically assessed via retrospective (ex-post facto) evaluation of trading strategy returns. In this paper, we present instead a sentiment analysis methodology to quantify and statistically validate which assets could qualify for trading from social media analytics in an ex-ante configuration. We use sentiment analysis techniques and Information Theory measures to demonstrate that social media message sentiment can contain statistically-significant ex-ante information on the future prices of the S&P500 index and a limited set of stocks, in excess of what is achievable using solely message volumes.

  13. When can social media lead financial markets?

    PubMed

    Zheludev, Ilya; Smith, Robert; Aste, Tomaso

    2014-01-01

    Social media analytics is showing promise for the prediction of financial markets. However, the true value of such data for trading is unclear due to a lack of consensus on which instruments can be predicted and how. Current approaches are based on the evaluation of message volumes and are typically assessed via retrospective (ex-post facto) evaluation of trading strategy returns. In this paper, we present instead a sentiment analysis methodology to quantify and statistically validate which assets could qualify for trading from social media analytics in an ex-ante configuration. We use sentiment analysis techniques and Information Theory measures to demonstrate that social media message sentiment can contain statistically-significant ex-ante information on the future prices of the S&P500 index and a limited set of stocks, in excess of what is achievable using solely message volumes. PMID:24572909

  14. Sizing Up Candidates for a New Achievement Test.

    ERIC Educational Resources Information Center

    Ligon, Glynn; Wilkinson, David

    Inspired by four recent decisions to change achievement tests used in the Austin Independent School District, the separate forms used and procedures followed have been combined into a systematic approach intended for use in future achievement test selections. A rating scale (Attachment 1) was developed to expedite a systematic comparison among…

  15. Automated Writing Evaluation Program's Effect on Student Writing Achievement

    ERIC Educational Resources Information Center

    Holman, Lester Donnie

    2011-01-01

    In an ex post facto causal-comparative research design, this study investigated the effectiveness of Automated Writing Evaluation (AWE) programs on raising the student writing achievement. Tennessee Comprehensive Assessment Program (TCAP) writing achievement scores from the 2010 administration were utilized for this study. The independent variable…

  16. Factors Affecting Children's Math Achievement Scores in Preschool

    ERIC Educational Resources Information Center

    Kilday, Carolyn R.

    2010-01-01

    This dissertation contains three independently conducted studies on factors that affect the math achievement scores of preschool-aged children. The first study examined the associations between children's executive-functioning (EF) and math achievement scores at 54 months of age. Results suggest that EF is strongly associated with children's…

  17. What Matters, What Works: Advancing Achievement after School

    ERIC Educational Resources Information Center

    Public/Private Ventures, 2008

    2008-01-01

    This brief provides highlights from "Advancing Achievement: Findings from an Independent Evaluation of a Major After-School Initiative." The brief underscores the potential of after-school programs in the ongoing drive to advance children's academic achievement. It shines a light on some of the issues that matter most for programs striving to…

  18. Device-independent quantum key distribution

    NASA Astrophysics Data System (ADS)

    Hänggi, Esther

    2010-12-01

    In this thesis, we study two approaches to achieve device-independent quantum key distribution: in the first approach, the adversary can distribute any system to the honest parties that cannot be used to communicate between the three of them, i.e., it must be non-signalling. In the second approach, we limit the adversary to strategies which can be implemented using quantum physics. For both approaches, we show how device-independent quantum key distribution can be achieved when imposing an additional condition. In the non-signalling case this additional requirement is that communication is impossible between all pairwise subsystems of the honest parties, while, in the quantum case, we demand that measurements on different subsystems must commute. We give a generic security proof for device-independent quantum key distribution in these cases and apply it to an existing quantum key distribution protocol, thus proving its security even in this setting. We also show that, without any additional such restriction there always exists a successful joint attack by a non-signalling adversary.

  19. Stochastic differential equations applied to the study of geophysical and financial time series

    NASA Astrophysics Data System (ADS)

    Mariani, Maria C.; Tweneboah, Osei K.

    2016-02-01

    This work is devoted to the study of modeling geophysical and financial time series. We propose a stochastic differential equation arising from the superposition of independent Ornstein-Uhlenbeck processes driven by a Γ(a, b) process. Superposition of independent Γ(a, b) Ornstein-Uhlenbeck processes offers analytic flexibility and provides a class of continuous time processes capable of exhibiting long memory behavior. The stochastic differential equation is applied to geophysics and finance by fitting the superposed Γ(a, b) Ornstein-Uhlenbeck model to typical geophysical and financial time series.

  20. 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…

  1. US Department of Energy Naval Petroleum and Oil Shale Reserves combined financial statements and management overview and supplemental financial and management information, September 30, 1995 and 1994

    SciTech Connect

    1996-02-15

    This report presents the results of the independent certified public accountant`s audit of the Department of Energy`s (Department) Naval Petroleum and Oil Shale Reserves (NPOSR) financial statements as of September 30, 1995. The auditors have expressed an unqualified opinion on the 1995 statements. Their reports on the NPOSR internal control structure and compliance with laws and regulations are also provided.

  2. Financial evaluation and decision making in the swine breeding herd.

    PubMed

    Polson, D D; Marsh, W E; Dial, G D

    1992-11-01

    As the swine industry continues to evolve and develop a greater business orientation--one that demands justification of costs, benefits, and risk-exposure--the veterinarian will be confronted with the need to develop an economic basis to supplement the biologic. The profession should view such a challenge as an opportunity to broaden its role in serving the businesses that make up the industry. However, to be effective in such an expanded role requires that the veterinarian develop a good working knowledge of risk and risk management as well as the role played by economic evaluation techniques used in financial evaluation in the risk management process. Several potential advantages exist for the veterinarian who determines to expand his or her risk management role by using financial evaluation in the course of day-to-day practice routine: Additional service or consulting income may be generated through evaluating alternatives through decision analysis. Client confidence may be strengthened in the veterinarian and in the recommendations made. The costs of consulting services and health products for the client may be viewed as income-generators instead of being viewed solely as expenses. Referrals of additional progressive clients may be generated by satisfied current clients. The veterinarian may achieve personal satisfaction through substantiating his or her recommendation beyond clinical or experimental judgment. With the capability of using financial evaluation techniques in the evaluation and justification of recommendations comes significant responsibility. Reliance upon financial evaluation techniques as a more objective approach in the management of risk for clients carries with it an inherently greater degree of trust. Such trust must be deserved. The universal adage "garbage in, garbage out" applies directly to financial evaluation. Financial evaluation techniques have the potential to provide the decision-maker with objective and accurate analysis

  3. Independent community care gerontological nursing: becoming an entrepreneur.

    PubMed

    Caffrey, Rosalie A

    2005-08-01

    Few nurses have the experience of developing an independent practice. This ethnographic study explores the process and challenges of becoming an entrepreneur as described by nurses developing independent practices in community care gerontologic nursing. The process included developing a legal contract, marketing strategies, and reimbursement amounts and strategies. Major barriers to implementing this role identified by the nurses included ignorance and confusion by others about their role, financial issues related to an uncertain income, time management, and legal concerns especially around delegation. These were experienced and dedicated nurses who were also risk-takers and enjoyed the independence of practicing nursing because they believed it was meant to be practiced. Suggestions for research, education, and practice are included. PMID:16130357

  4. Recognizing outstanding achievements

    NASA Astrophysics Data System (ADS)

    Speiss, Fred

    One function of any professional society is to provide an objective, informed means for recognizing outstanding achievements in its field. In AGU's Ocean Sciences section we have a variety of means for carrying out this duty. They include recognition of outstanding student presentations at our meetings, dedication of special sessions, nomination of individuals to be fellows of the Union, invitations to present Sverdrup lectures, and recommendations for Macelwane Medals, the Ocean Sciences Award, and the Ewing Medal.Since the decision to bestow these awards requires initiative and judgement by members of our section in addition to a deserving individual, it seems appropriate to review the selection process for each and to urge you to identify those deserving of recognition.

  5. Achieving closure at Fernald

    SciTech Connect

    Bradburne, John; Patton, Tisha C.

    2001-02-25

    When Fluor Fernald took over the management of the Fernald Environmental Management Project in 1992, the estimated closure date of the site was more than 25 years into the future. Fluor Fernald, in conjunction with DOE-Fernald, introduced the Accelerated Cleanup Plan, which was designed to substantially shorten that schedule and save taxpayers more than $3 billion. The management of Fluor Fernald believes there are three fundamental concerns that must be addressed by any contractor hoping to achieve closure of a site within the DOE complex. They are relationship management, resource management and contract management. Relationship management refers to the interaction between the site and local residents, regulators, union leadership, the workforce at large, the media, and any other interested stakeholder groups. Resource management is of course related to the effective administration of the site knowledge base and the skills of the workforce, the attraction and retention of qualified a nd competent technical personnel, and the best recognition and use of appropriate new technologies. Perhaps most importantly, resource management must also include a plan for survival in a flat-funding environment. Lastly, creative and disciplined contract management will be essential to effecting the closure of any DOE site. Fluor Fernald, together with DOE-Fernald, is breaking new ground in the closure arena, and ''business as usual'' has become a thing of the past. How Fluor Fernald has managed its work at the site over the last eight years, and how it will manage the new site closure contract in the future, will be an integral part of achieving successful closure at Fernald.

  6. Do Parents Make a Difference to Children's Academic Achievement? Differences between Parents of Higher and Lower Achieving Students

    ERIC Educational Resources Information Center

    Jacobs, Nicky; Harvey, David

    2005-01-01

    Differences in family factors in determining academic achievement were investigated by testing 432 parents in nine independent, coeducational Melbourne schools. Schools were ranked and categorized into three groups (high, medium and low), based on student achievement (ENTER) scores in their final year of secondary school and school improvement…

  7. Measuring Financial Literacy: Developing and Testing a Measurement Instrument with a Selected Group of South African Military Officers

    ERIC Educational Resources Information Center

    Schwella, E.; van Nieuwenhuyzen, Bernard J.

    2014-01-01

    Are South Africans financially literate, and how can this be measured? Until 2009 there was no South African financial literacy measure and, therefore, the aim was to develop a South African measurement instrument that is scientific, socially acceptable, valid and reliable. To achieve this aim a contextual and conceptual analysis of financial…

  8. 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.

  9. 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…

  10. 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…

  11. Financial Incentives and Weight Control

    PubMed Central

    Jeffery, Robert W.

    2012-01-01

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

  12. 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…

  13. 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…

  14. 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.

  15. 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…

  16. 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)

  17. 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…

  18. 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…

  19. 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…

  20. 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…

  1. Turning State Data and Research into Information: An Example from Washington State's Student Achievement Initiative

    ERIC Educational Resources Information Center

    Prince, David; Seppanen, Loretta; Stephens, Deborah; Stewart, Carmen

    2010-01-01

    This chapter discusses Washington State's Student Achievement Initiative, a new performance funding system for community and technical colleges. Its purposes are to improve public accountability by more accurately describing what students achieve from enrolling in state colleges each year and provide incentives through financial rewards to…

  2. Entrepreneur achievement. Liaoning province.

    PubMed

    Zhao, R

    1994-03-01

    This paper reports the successful entrepreneurial endeavors of members of a 20-person women's group in Liaoning Province, China. Jing Yuhong, a member of the Family Planning Association at Shileizi Village, Dalian City, provided the basis for their achievements by first building an entertainment/study room in her home to encourage married women to learn family planning. Once stocked with books, magazines, pamphlets, and other materials on family planning and agricultural technology, dozens of married women in the neighborhood flocked voluntarily to the room. Yuhong also set out to give these women a way to earn their own income as a means of helping then gain greater equality with their husbands and exert greater control over their personal reproductive and social lives. She gave a section of her farming land to the women's group, loaned approximately US$5200 to group members to help them generate income from small business initiatives, built a livestock shed in her garden for the group to raise marmots, and erected an awning behind her house under which mushrooms could be grown. The investment yielded $12,000 in the first year, allowing each woman to keep more than $520 in dividends. Members then soon began going to fairs in the capital and other places to learn about the outside world, and have successfully ventured out on their own to generate individual incomes. Ten out of twenty women engaged in these income-generating activities asked for and got the one-child certificate. PMID:12287775

  3. Optimal message log reclamation for independent checkpointing

    NASA Technical Reports Server (NTRS)

    Wang, Yi-Min; Fuchs, W. Kent

    1993-01-01

    Independent (uncoordinated) check pointing for parallel and distributed systems allows maximum process autonomy but suffers from possible domino effects and the associated storage space overhead for maintaining multiple checkpoints and message logs. In most research on check pointing and recovery, it was assumed that only the checkpoints and message logs older than the global recovery line can be discarded. It is shown how recovery line transformation and decomposition can be applied to the problem of efficiently identifying all discardable message logs, thereby achieving optimal garbage collection. Communication trace-driven simulation for several parallel programs is used to show the benefits of the proposed algorithm for message log reclamation.

  4. 31 CFR 210.8 - Financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  5. 31 CFR 210.8 - Financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  6. 31 CFR 210.8 - Financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  7. 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.

  8. Highly flexible distributions to fit multiple frequency financial returns

    NASA Astrophysics Data System (ADS)

    BenSaïda, Ahmed; Slim, Skander

    2016-01-01

    Financial data are usually studied via low flexible distributions, independently of the frequency of the data, due to their simplicity and analytical tractability. In this paper we analyze two highly flexible five-parameter distributions into fitting financial returns, these are the skewed generalized t (SGT) and the generalized hyperbolic (GH). Applications carried on two exchange rates (Euro-Dollar and Dollar-Yen), and two indexes (S&P 500 and Nikkei 225) over four frequencies: weekly, daily, 30-min and 5-min, confirm the superiority of the SGT and GH in approximating the distribution of a given data at a remarkable precision. Moreover, as we move from higher to lower frequency, the distribution's overall shape does indeed change radically, and the estimated parameters refute the tendency to normality, which calls into question the aggregational Gaussianity's stylized fact.

  9. The Homogeneity of School Achievement.

    ERIC Educational Resources Information Center

    Cahan, Sorel

    Since the measurement of school achievement involves the administration of achievement tests to various grades on various subjects, both grade level and subject matter contribute to within-school achievement variations. To determine whether achievement test scores vary most among different fields within a grade level, or within fields among…

  10. Marketing Handbook for Independent Schools.

    ERIC Educational Resources Information Center

    Boarding Schools, Boston, MA.

    This publication is a resource to help independent schools attract more familites to their institutions and to increase the voluntary support by the larger community surrounding the school. The first chapter attempts to dispel misconceptions, define pertinent marketing terms, and relate their importance to independent schools. The rest of the book…

  11. Independent Learning Models: A Comparison.

    ERIC Educational Resources Information Center

    Wickett, R. E. Y.

    Five models of independent learning are suitable for use in adult education programs. The common factor is a facilitator who works in some way with the student in the learning process. They display different characteristics, including the extent of independence in relation to content and/or process. Nondirective tutorial instruction and learning…

  12. 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…

  13. 10 CFR 61.15 - Financial information.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  14. The Status of University Financial Reporting.

    ERIC Educational Resources Information Center

    Fritzemeyer, Joe R.; And Others

    1982-01-01

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

  15. 22 CFR 226.52 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  16. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

  17. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  18. 12 CFR 614.4341 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  19. 12 CFR 561.19 - Financial institution.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  20. 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)…

  1. College Financial Management: Basics for Administrators.

    ERIC Educational Resources Information Center

    Carter, E. Eugene

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

  2. 7 CFR 634.40 - Financial management.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  3. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  4. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  5. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  6. 7 CFR 634.40 - Financial management.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

  7. 7 CFR 634.40 - Financial management.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  8. 7 CFR 634.40 - Financial management.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  9. 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…

  10. 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…

  11. 17 CFR 38.604 - Financial surveillance.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  12. 18 CFR 1317.430 - Financial assistance.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  13. 18 CFR 1317.430 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  14. 18 CFR 1317.430 - Financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  15. Global Financial Crisis and Educational Restructuring

    ERIC Educational Resources Information Center

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

    2015-01-01

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

  16. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  17. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

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

  18. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  19. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

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

  20. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

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

  1. A Phenomenological Study of Financial Knowledge Application

    ERIC Educational Resources Information Center

    Nduku, Enita Bernice

    2012-01-01

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

  2. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

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

  3. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  4. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  5. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  6. 17 CFR 39.11 - Financial resources.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  7. 17 CFR 49.25 - Financial resources.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  8. 17 CFR 49.25 - Financial resources.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  9. 17 CFR 39.11 - Financial resources.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  10. 17 CFR 49.25 - Financial resources.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  11. 17 CFR 39.11 - Financial resources.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  12. 31 CFR 561.313 - Financial services.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  13. Employers' Perspectives of Employees' Personal Financial Literacy

    ERIC Educational Resources Information Center

    Davis, Rita; Carnes, Lana

    2005-01-01

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

  14. The Financial Security of UK HE Institutions

    ERIC Educational Resources Information Center

    Wellington, Sean

    2007-01-01

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

  15. 5 CFR 845.304 - Financial hardship.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  16. 45 CFR 2541.410 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  17. 45 CFR 32.9 - Financial hardship.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  18. 29 CFR 1470.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  19. 43 CFR 12.81 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  20. 36 CFR 1211.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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