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Sample records for icc financial survey

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

    ERIC Educational Resources Information Center

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

    2011-01-01

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

  2. ICCS 2009 Technical Report

    ERIC Educational Resources Information Center

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

    2011-01-01

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

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

    ERIC Educational Resources Information Center

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

    2011-01-01

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

  4. 77 FR 65675 - Financial Education Content Needs Survey

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-10-30

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

  5. Survey of Dental Student Financial Assistance, 2001-02.

    PubMed

    Weaver, Richard G; Haden, N Karl; Valachovic, Richard W

    2004-01-01

    The American Dental Education Association's 2001-02 Survey of Dental Student Financial Assistance obtained data by which to report, in aggregate and by type of school, the amount of financial assistance being received by dental students, in the form of loans, grants and scholarships, and work-study programs. Over 90 percent of the dental students received financial assistance through one or more federal, state, and/or school source. The average amount of assistance per student was dollar 35,100, ranging from an average of dollar 27,700 at public dental schools to dollar 51,100 at private dental schools. Loan programs accounted for almost 88 percent of all financial assistance; grants and scholarships, for 12 percent; work-study programs, for 0.2 percent. Overall, financial assistance exceeded average tuition and fees by 102 percent. With such levels of reliance on financial assistance, it remains imperative that students, even at the undergraduate level, receive the counseling, monitoring, and advice that will help them judiciously seek and manage appropriate types and amounts of financial assistance as they obtain their dental education.

  6. Survey of dental student financial assistance, 2003-04.

    PubMed

    Chmar, Jacqueline E; Weaver, Richard G; Valachovic, Richard W

    2005-11-01

    The Survey of Dental Student Financial Assistance reports data collected by the American Dental Education Association on financial assistance to dental students in the academic year 2003-04. Over 90 percent of students at the fifty-one responding dental schools received financial assistance in the form of loans, grants, scholarships and/or work-study programs, with students receiving an average of 43,191 dollars per year. As tuition and fees rose 21.4 percent over the past two years, financial assistance rose 23.1 percent. Both continue to increase at a rate greater than inflation. The primary source of financial assistance was in the form of loans, accounting for nearly 90 percent of the reported financial assistance. Most of the remaining assistance was in the form of obligated or unobligated grants and scholarships, with an increasing share attributable to grants/scholarships with obligations following graduation. As the price of higher education increases, reliance on financial assistance continues to increase, and students graduate with an increasing amount of debt in real and constant dollars.

  7. Survey of dental student financial assistance, 2003-04.

    PubMed

    Chmar, Jacqueline E; Weaver, Richard G; Valachovic, Richard W

    2005-11-01

    The Survey of Dental Student Financial Assistance reports data collected by the American Dental Education Association on financial assistance to dental students in the academic year 2003-04. Over 90 percent of students at the fifty-one responding dental schools received financial assistance in the form of loans, grants, scholarships and/or work-study programs, with students receiving an average of 43,191 dollars per year. As tuition and fees rose 21.4 percent over the past two years, financial assistance rose 23.1 percent. Both continue to increase at a rate greater than inflation. The primary source of financial assistance was in the form of loans, accounting for nearly 90 percent of the reported financial assistance. Most of the remaining assistance was in the form of obligated or unobligated grants and scholarships, with an increasing share attributable to grants/scholarships with obligations following graduation. As the price of higher education increases, reliance on financial assistance continues to increase, and students graduate with an increasing amount of debt in real and constant dollars. PMID:16275691

  8. Survey on Student Financial Assistance, 1993-1994.

    ERIC Educational Resources Information Center

    Journal of Dental Education, 1997

    1997-01-01

    Summarizes data from a survey of 54 dental schools concerning dental students' financial aid. Data and analyses include percent of students receiving aid; average annual aid per student; average first-year costs of dental school; aid distribution within private, public, and state-related schools; details on federal loan programs; grant and…

  9. 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…

  10. 77 FR 27021 - Proposed Information Collection; Comment Request; Quarterly Survey of Financial Services...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-08

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

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

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-24

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

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

    NASA Astrophysics Data System (ADS)

    Niihara, Koichi; Ohji, Tatsuki; Sakka, Yoshio

    2011-10-01

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

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

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

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

    ERIC Educational Resources Information Center

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

    2010-01-01

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

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

    ERIC Educational Resources Information Center

    Schulz, Wolfram

    2007-01-01

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

  16. Measuring Financial Capability and Its Determinants Using Survey Data

    ERIC Educational Resources Information Center

    Taylor, Mark

    2011-01-01

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

  17. 78 FR 3403 - Agency Information Collection Activities: Financial Education Content Needs Survey

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-16

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

  18. ICCE/ICCAI 2000 Invited Papers.

    ERIC Educational Resources Information Center

    2000

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

  19. ICCE/ICCAI 2000 Keynote Papers.

    ERIC Educational Resources Information Center

    2000

    This document contains the four keynote papers from ICCE/ICCAI 2000 (International Conference on Computers in Education/International Conference on Computer-Assisted Instruction). "Using Technologies To Model Student Problem Spaces" (David Jonassen) contrasts examples of semantic network, expert system, and systems modeling representations of…

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

    PubMed Central

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

    2016-01-01

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

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

    PubMed

    Nayak, N C; Chitale, A R

    2013-06-01

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

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

    PubMed

    Nayak, N C; Chitale, A R

    2013-06-01

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

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

    ERIC Educational Resources Information Center

    Hoover, Eric

    2008-01-01

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

  4. NIF ICCS network design and loading analysis

    SciTech Connect

    Tietbohl, G; Bryant, R

    1998-02-20

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

  5. 75 FR 35289 - International Services Surveys: BE-180, Benchmark Survey of Financial Services Transactions...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-22

    ... financial services; analyze their impact on the U.S. and foreign economies; support U.S. international trade policy on financial services; and assess and promote U.S. competitiveness in international trade in...-output accounts; support U.S. international trade policy on financial services; assess and promote...

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

    ERIC Educational Resources Information Center

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

    2011-01-01

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

  7. Introducing iccMAX: new frontiers in color management

    NASA Astrophysics Data System (ADS)

    Derhak, Max; Green, Phil; Lianza, Tom

    2015-01-01

    ICC has announced a preliminary specification for iccMAX, a next-generation colour management system that expands the existing ICC profile format and architecture to overcome the limitation of the fixed colorimetric Profile Connection Space and support a much wider range of functionality. New features introduced in iccMAX include spectral processing, material identification and visualization, BRDF, new data types, an improved gamut boundary descriptor and support for arbitrary and programmable transforms. The iccMAX preliminary specification is accompanied by a reference implementation, and will undergo a period of public review before being finalized.

  8. Patient attitudes about financial incentives for diabetes self-management: A survey

    PubMed Central

    Blondon, Katherine S

    2015-01-01

    AIM: To study the acceptability of incentives for behavior changes in individuals with diabetes, comparing financial incentives to self-rewards and non-financial incentives. METHODS: A national online survey of United States adults with diabetes was conducted in March 2013 (n = 153). This survey was designed for this study, with iterative testing and modifications in a pilot population. We measured the demographics of individuals, their interest in incentives, as well as the perceived challenge of diabetes self-management tasks, and expectations of incentives to improve diabetes self-management (financial, non-financial and self-rewards). Using an ordered logistic regression model, we assessed the association between a 32-point score of the perceived challenge of the self-management tasks and the three types of rewards. RESULTS: Ninety-six percent of individuals were interested in financial incentives, 60% in non-financial incentives and 72% in self-rewards. Patients were less likely to use financial incentives when they perceived the behavior to be more challenging (odds ratio of using financial incentives of 0.82 (95%CI: 0.72-0.93) for each point of the behavior score). While the effectiveness of incentives may vary according to the perceived level of challenge of each behavior, participants did not expect to need large amounts to motivate them to modify their behavior. The expected average amounts needed to motivate a 5 lb weight loss in our population and to maintain this weight change for a year was $258 (interquartile range of $10-100) and $713 (interquartile range of $25-250) for a 15 lb weight loss. The difference in mean amount estimates for 5 lb and 15 lb weight loss was significant (P < 0.001). CONCLUSION: Individuals with diabetes are willing to consider financial incentives to improve diabetes self-management. Future studies are needed to explore incentive programs and their effectiveness for diabetes. PMID:26069724

  9. 75 FR 10704 - International Services Surveys: BE-180, Benchmark Survey of Financial Services Transactions...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-09

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

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

    ERIC Educational Resources Information Center

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

    2011-01-01

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

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

    PubMed

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

    2014-01-01

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

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

    PubMed

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

    2014-01-01

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

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

    PubMed

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

    2007-01-01

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

  14. ICCS 2009 User Guide for the International Database

    ERIC Educational Resources Information Center

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

    2011-01-01

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

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

    ERIC Educational Resources Information Center

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

    2013-01-01

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

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

    ERIC Educational Resources Information Center

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

    2008-01-01

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

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

    PubMed Central

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

    2016-01-01

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

  18. NIF ICCS Test Controller for Automated & Manual Testing

    SciTech Connect

    Zielinski, J S

    2007-10-03

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

  19. Cholinergic signalling-regulated KV7.5 currents are expressed in colonic ICC-IM but not ICC-MP.

    PubMed

    Wright, George W J; Parsons, Sean P; Loera-Valencia, Raúl; Wang, Xuan-Yu; Barajas-López, Carlos; Huizinga, Jan D

    2014-09-01

    Interstitial cells of Cajal (ICC) and the enteric nervous system orchestrate the various rhythmic motor patterns of the colon. Excitation of ICC may evoke stimulus-dependent pacemaker activity and will therefore have a profound effect on colonic motility. The objective of the present study was to evaluate the potential role of K(+) channels in the regulation of ICC excitability. We employed the cell-attached patch clamp technique to assess single channel activity from mouse colon ICC, immunohistochemistry to determine ICC K(+) channel expression and single cell RT-PCR to identify K(+) channel RNA. Single channel activity revealed voltage-sensitive K(+) channels, which were blocked by the KV7 blocker XE991 (n = 8), which also evoked inward maxi channel activity. Muscarinic acetylcholine receptor stimulation with carbachol inhibited K(+) channel activity (n = 8). The single channel conductance was 3.4 ± 0.1 pS (n = 8), but with high extracellular K(+), it was 18.1 ± 0.6 pS (n = 22). Single cell RT-PCR revealed Ano1-positive ICC that were positive for KV7.5. Double immunohistochemical staining of colons for c-Kit and KV7.5 in situ revealed that intramuscular ICC (ICC-IM), but not ICC associated with the myenteric plexus (ICC-MP), were positive for KV7.5. It also revealed dense cholinergic innervation of ICC-IM. ICC-IM and ICC-MP networks were found to be connected. We propose that the pacemaker network in the colon consists of both ICC-MP and ICC-IM and that one way of exciting this network is via cholinergic KV7.5 channel inhibition in ICC-IM.

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

    ERIC Educational Resources Information Center

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

    2010-01-01

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    Schulz, Wolfram; Ainley, John

    2007-01-01

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

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

    ERIC Educational Resources Information Center

    2000

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

  8. 1987 Statement on Software Copyright: An ICCE Policy Statement.

    ERIC Educational Resources Information Center

    Computing Teacher, 1987

    1987-01-01

    Building on the 1983 policy statement developed by the International Council for Computers in Education (ICCE), this statement recommends the adoption of a school district copyright policy, adoption of the suggested software use guidelines, and use of the copyright page of software documentation to ascertain user's rights, obligations, and licence…

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

  14. Simulations of ICC Experiments by the PSI-Center

    NASA Astrophysics Data System (ADS)

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

    2011-10-01

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

  15. Funding and Distribution of Institutional Grants in 1999-2000: Results from the 2001 Survey of Undergraduate Financial Aid Policies, Practices, and Procedures.

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

    2002-01-01

    Examined data from the 2001 Survey of Undergraduate Financial Aid Policies, Practices, and Procedures. Findings included that all institutional types, even low-cost community colleges, have awarded a large share of their institutional grants based on students' academic merit or other criteria besides their demonstrated financial need, but that…

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

    PubMed Central

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

    2016-01-01

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

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

    PubMed Central

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

    2016-01-01

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

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

    PubMed

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

    2016-01-01

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

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

    PubMed

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

    2016-01-01

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

  20. A stochastic multi-scale model of electrical function in normal and depleted ICC networks.

    PubMed

    Gao, Jerry; Du, Peng; Archer, Rosalind; O'Grady, Greg; Gibbons, Simon J; Farrugia, Gianrico; Cheng, Leo K; Pullan, Andrew J

    2011-12-01

    Multi-scale modeling has become a productive strategy for quantifying interstitial cells of Cajal (ICC) network structure-function relationships, but the lack of large-scale ICC network imaging data currently limits modeling progress. The single normal equation simulation (SNESIM) algorithm was utilized to generate realistic virtual images of small real wild-type (WT) and 5-HT(2B)-receptor knockout (Htr2b(-/-)) mice ICC networks. Two metrics were developed to validate the performance of the algorithm: 1) network density, which is the proportion of ICC in the tissue; and 2) connectivity, which reflects the degree of connectivity of the ICC network. Following validation, the SNESIM algorithm was modified to allow variation in the degree of ICC network depletion. ICC networks from a range of depletion severities were generated, and the electrical activity over these networks was simulated. The virtual ICC networks generated by the original SNESIM algorithm were similar to that of their real counterparts. The electrical activity simulations showed that the maximum current density magnitude increased as the network density increased. In conclusion, the SNESIM algorithm is an effective tool for generating realistic virtual ICC networks. The modified SNESIM algorithm can be used with simulation techniques to quantify the physiological consequences of ICC network depletion at various physical scales.

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

    PubMed

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

    2012-11-01

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

  2. Visualization of the interstitial cells of cajal (ICC) network in mice.

    PubMed

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

    2011-01-01

    The interstitial cells of Cajal (ICC) are mesenchymal derived "pacemaker cells" of the gastrointestinal (GI) tract that generate spontaneous slow waves required for peristalsis and mediate neuronal input from the enteric nervous system 1. Different subtypes of ICC form distinct networks in the muscularis of the GI tract (2,3). Loss or injury to these networks is associated with a number of motility disorders(4). ICC cells express the KIT receptor tyrosine kinase on the plasma membrane and KIT immunostaining has been used for the past 15 years to label the ICC network(5,6). Importantly, normal KIT activity is required for ICC development(5,6). Neoplastic transformation of ICC cells results in gastrointestinal stromal tumor (GIST), that frequently harbor gain-of-function KIT mutations(7,8). We recently showed that ETV1 is a lineage-specific survival factor expressed in the ICC/GIST lineage and is a master transcriptional regulator required for both normal ICC network formation and for of GIST tumorigenesis(9). We further demonstrate that it cooperates with activating KIT mutations in tumorigenesis. Here, we describe methods for visualization of ICC networks in mice, largely based on previously published protocols(10,11). More recently, the chloride channel anoctamin 1 (ANO1) has also been characterized as a specific membrane marker of ICC(11,12). Because of their plasma membrane localization, immunofluorescence of both proteins can be used to visualize the ICC networks. Here, we describe visualization of the ICC networks by fixed-frozen cyrosections and whole mount preparations.

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

    ERIC Educational Resources Information Center

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

    2011-01-01

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

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

    PubMed Central

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

    2015-01-01

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

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

    ERIC Educational Resources Information Center

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

    2011-01-01

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

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

    ERIC Educational Resources Information Center

    Freshman, Audrey

    2012-01-01

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

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

    PubMed Central

    2013-01-01

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

  8. 40 CFR 180.1293 - Trichoderma gamsii strain ICC 080; exemption from the requirement of a tolerance.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 40 Protection of Environment 25 2012-07-01 2012-07-01 false Trichoderma gamsii strain ICC 080... RESIDUES IN FOOD Exemptions From Tolerances § 180.1293 Trichoderma gamsii strain ICC 080; exemption from the requirement of a tolerance. Trichoderma gamsii strain ICC 080 is exempted from the requirement...

  9. 40 CFR 180.1293 - Trichoderma gamsii strain ICC 080; exemption from the requirement of a tolerance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 40 Protection of Environment 24 2011-07-01 2011-07-01 false Trichoderma gamsii strain ICC 080... RESIDUES IN FOOD Exemptions From Tolerances § 180.1293 Trichoderma gamsii strain ICC 080; exemption from the requirement of a tolerance. Trichoderma gamsii strain ICC 080 is exempted from the requirement...

  10. 40 CFR 180.1293 - Trichoderma gamsii strain ICC 080; exemption from the requirement of a tolerance.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 40 Protection of Environment 25 2013-07-01 2013-07-01 false Trichoderma gamsii strain ICC 080... RESIDUES IN FOOD Exemptions From Tolerances § 180.1293 Trichoderma gamsii strain ICC 080; exemption from the requirement of a tolerance. Trichoderma gamsii strain ICC 080 is exempted from the requirement...

  11. 40 CFR 180.1293 - Trichoderma gamsii strain ICC 080; exemption from the requirement of a tolerance.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 40 Protection of Environment 24 2014-07-01 2014-07-01 false Trichoderma gamsii strain ICC 080... RESIDUES IN FOOD Exemptions From Tolerances § 180.1293 Trichoderma gamsii strain ICC 080; exemption from the requirement of a tolerance. Trichoderma gamsii strain ICC 080 is exempted from the requirement...

  12. 40 CFR 180.1294 - Trichoderma asperellum strain ICC 012; exemption from the requirement of a tolerance.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 40 Protection of Environment 25 2013-07-01 2013-07-01 false Trichoderma asperellum strain ICC 012... RESIDUES IN FOOD Exemptions From Tolerances § 180.1294 Trichoderma asperellum strain ICC 012; exemption from the requirement of a tolerance. Trichoderma asperellum strain ICC 012 is exempted from...

  13. 40 CFR 180.1294 - Trichoderma asperellum strain ICC 012; exemption from the requirement of a tolerance.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 40 Protection of Environment 25 2012-07-01 2012-07-01 false Trichoderma asperellum strain ICC 012... RESIDUES IN FOOD Exemptions From Tolerances § 180.1294 Trichoderma asperellum strain ICC 012; exemption from the requirement of a tolerance. Trichoderma asperellum strain ICC 012 is exempted from...

  14. 40 CFR 180.1294 - Trichoderma asperellum strain ICC 012; exemption from the requirement of a tolerance.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 40 Protection of Environment 24 2014-07-01 2014-07-01 false Trichoderma asperellum strain ICC 012... RESIDUES IN FOOD Exemptions From Tolerances § 180.1294 Trichoderma asperellum strain ICC 012; exemption from the requirement of a tolerance. Trichoderma asperellum strain ICC 012 is exempted from...

  15. 40 CFR 180.1294 - Trichoderma asperellum strain ICC 012; exemption from the requirement of a tolerance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 40 Protection of Environment 24 2011-07-01 2011-07-01 false Trichoderma asperellum strain ICC 012... RESIDUES IN FOOD Exemptions From Tolerances § 180.1294 Trichoderma asperellum strain ICC 012; exemption from the requirement of a tolerance. Trichoderma asperellum strain ICC 012 is exempted from...

  16. 40 CFR 180.1293 - Trichoderma gamsii strain ICC 080; exemption from the requirement of a tolerance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  17. 40 CFR 180.1294 - Trichoderma asperellum strain ICC 012; exemption from the requirement of a tolerance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  18. 89. PARTIAL VIEW OF THE IC&C CO. SITE SHOWING THE ...

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

    89. PARTIAL VIEW OF THE IC&C CO. SITE SHOWING THE RELATIONSHIP BETWEEN THE AERIAL TIPPLE, BATHHOUSE, CARPENTER SHOP AND TANK BUILDING, LOOKING SOUTH - Independent Coal & Coke Company, Kenilworth, Carbon County, UT

  19. Dogmas and controversies in compression therapy: report of an International Compression Club (ICC) meeting, Brussels, May 2011.

    PubMed

    Flour, Mieke; Clark, Michael; Partsch, Hugo; Mosti, Giovanni; Uhl, Jean-Francois; Chauveau, Michel; Cros, Francois; Gelade, Pierre; Bender, Dean; Andriessen, Anneke; Schuren, Jan; Cornu-Thenard, André; Arkans, Ed; Milic, Dragan; Benigni, Jean-Patrick; Damstra, Robert; Szolnoky, Gyozo; Schingale, Franz

    2013-10-01

    The International Compression Club (ICC) is a partnership between academics, clinicians and industry focused upon understanding the role of compression in the management of different clinical conditions. The ICC meet regularly and from these meetings have produced a series of eight consensus publications upon topics ranging from evidence-based compression to compression trials for arm lymphoedema. All of the current consensus documents can be accessed on the ICC website (http://www.icc-compressionclub.com/index.php). In May 2011, the ICC met in Brussels during the European Wound Management Association (EWMA) annual conference. With almost 50 members in attendance, the day-long ICC meeting challenged a series of dogmas and myths that exist when considering compression therapies. In preparation for a discussion on beliefs surrounding compression, a forum was established on the ICC website where presenters were able to display a summary of their thoughts upon each dogma to be discussed during the meeting. Members of the ICC could then provide comments on each topic thereby widening the discussion to the entire membership of the ICC rather than simply those who were attending the EWMA conference. This article presents an extended report of the issues that were discussed, with each dogma covered in a separate section. The ICC discussed 12 'dogmas' with areas 1 through 7 dedicated to materials and application techniques used to apply compression with the remaining topics (8 through 12) related to the indications for using compression.

  20. STS-105 ICC is moved to the payload canister for transport to pad 39A

    NASA Technical Reports Server (NTRS)

    2001-01-01

    KENNEDY SPACE CENTER, Fla. -- An overhead crane in the Space Station Processing Facility moves the Integrated Cargo Carrier toward the payload canister (right). The ICC holds several payloads for mission STS-105, the Early Ammonia Servicer and two experiment containers. The ICC will join the Multi-Purpose Logistics Module Leonardo already in the payload canister for transport to Launch Pad 39A where they will be placed in the payload bay of Space Shuttle Discovery. Launch of STS-105 is scheduled for 5:38 p.m. EDT Aug. 9

  1. STS-105 ICC is moved to the payload canister for transport to pad 39A

    NASA Technical Reports Server (NTRS)

    2001-01-01

    KENNEDY SPACE CENTER, Fla. -- A crane is attached to the Integrated Cargo Carrier in the Space Station Processing Facility in order to move it to the payload canister. The ICC holds several payloads for mission STS-105, the Early Ammonia Servicer and two experiment containers. The ICC will join the Multi-Purpose Logistics Module Leonardo in the payload canister for transport to Launch Pad 39A where they will be placed in the payload bay of Space Shuttle Discovery. Launch of STS-105 is scheduled for 5:38 p.m. EDT Aug. 9

  2. STS-105 ICC is moved to the payload canister for transport to pad 39A

    NASA Technical Reports Server (NTRS)

    2001-01-01

    KENNEDY SPACE CENTER, Fla. -- An overhead crane in the Space Station Processing Facility lifts the Integrated Cargo Carrier from its workstand to move it to the payload canister. The ICC holds several payloads for mission STS-105, the Early Ammonia Servicer and two experiment containers. The ICC will join the Multi-Purpose Logistics Module Leonardo in the payload canister for transport to Launch Pad 39A where they will be placed in the payload bay of Space Shuttle Discovery. Launch of STS-105 is scheduled for 5:38 p.m. EDT Aug. 9

  3. STS-105 ICC is moved to the payload canister for transport to pad 39A

    NASA Technical Reports Server (NTRS)

    2001-01-01

    KENNEDY SPACE CENTER, Fla. -- The Integrated Cargo Carrier is lowered into the payload canister in front of the Multi-Purpose Logistics Module Leonardo. The ICC holds several payloads for mission STS-105, the Early Ammonia Servicer and two experiment containers. The canister will transport the MPLM and ICC transport to Launch Pad 39A where they will be placed in the payload bay of Space Shuttle Discovery. Launch of STS-105 is scheduled for 5:38 p.m. EDT Aug. 9

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    Kay, Robin H.

    2009-01-01

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    Cosgrove, Jude; Gilleece, Lorraine

    2012-01-01

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

  14. 75 FR 9527 - Trichoderma asperellum strain ICC 012; Exemption from the Requirement of a Tolerance

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-03

    ... information to suggest that Trichoderma asperellum strain ICC 012 has an effect on the endocrine system. No... reports of the organism affecting endocrine systems. Therefore, it is unlikely that this organism would... Classification System (NAICS) codes have been provided to assist you and others in determining whether...

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

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

    ERIC Educational Resources Information Center

    2000

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

  18. Which is feared more: harm to the ego or financial peril? A survey of anesthesiologists' attitudes about medical malpractice.

    PubMed

    Burkle, Christopher M; Martin, David P; Keegan, Mark T

    2012-09-01

    This article reports the results of a study of anesthesiologists to assess their concerns regarding medical malpractice liability risk. Specifically, it explored whether their fears stem more from being named as a party to a suit or from the financial impact of damage awards. According to the respondents, their reputation among patients and colleagues is of greater concern than the financial impact of a malpractice suit. Forty-six percent of the 149 respondents reported a constant fear of malpractice risk; 43% were concerned about their reputation among colleagues and 57% feared their reputation would be compromised among patients. A large majority voiced concern about potential inclusion in the National Practitioner Data Bank (83%) and their rankings on online physician-grading sites (85%). Forty-one percent said financial consequences were a concern, and 54% indicated that obtaining affordable liability coverage was an issue.

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

    ERIC Educational Resources Information Center

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

    2010-01-01

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

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

    ERIC Educational Resources Information Center

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

    2010-01-01

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

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

    ERIC Educational Resources Information Center

    Fraillon, Julian; Schulz, Wolfram; Ainley, John

    2012-01-01

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

  2. 15 CFR 801.11 - Rules and regulations for the BE-80, Benchmark Survey of Financial Services Transactions Between...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... reportable transactions on a recall basis, with a reasonable degree of certainty, without conducting a... must provide data on total sales and/or purchases of each of the covered types of financial services... type of service. Provision of this information is voluntary. Because the $3,000,000 threshold...

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

    ERIC Educational Resources Information Center

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

    2015-01-01

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

  4. Use of a Novel Accounting and Grouping Method for Major Trunk Injury-Analysis of Data from a Statewide Trauma Financial Survey.

    PubMed

    Joubert, Kyla D; Mabry, Charles D; Kalkwarf, Kyle J; Betzold, Richard D; Spencer, Horace J; Spinks, Kara M; Porter, Austin; Karim, Saleema; Robertson, Ronald D; Sutherland, Michael J; Maxson, Robert T

    2016-09-01

    Major trunk trauma is common and costly, but comparisons of costs between trauma centers (TCs) are rare. Understanding cost is essential to improve quality, manage trauma service lines, and to facilitate institutional commitment for trauma. We have used results of a statewide trauma financial survey of Levels I to IV TC to develop a useful grouping method for costs and clinical characteristics of major trunk trauma. The trauma financial survey collected billing and clinical data on 75 per cent of the state trauma registry patients for fiscal year 2012. Cost was calculated by separately accounting for embedded costs of trauma response and verification, and then adjusting reasonable costs from the Medicare cost report for each TC. The cost-to-charge ratios were then recalculated and used to determine uniform cost estimates for each patient. From the 13,215 patients submitted for the survey, we selected 1,094 patients with major trunk trauma: lengths of stay ≥ 48 hours and a maximum injury of AIS ≥3 for either thorax or abdominal trauma. These patients were then divided into three Injury Severity Score (ISS) groups of 9 to 15, 16 to 24, or 25+ to stratify patients into similar injury groups for analysis of cost and cost drivers. For abdominal injury, average total cost for patients with ISS 9 to 15 was $17,429. Total cost and cost per day increased with severity of injury, with $51,585 being the total cost for those with ISS 25. Similar trends existed for thoracic injury. Use of the Medicare cost report and cost-to-charge ratios to compute uniform costs with an innovative grouping method applied to data collected across a statewide trauma system provides unique information regarding cost and outcomes, which affects quality improvement, trauma service line management, and decisions on TC participation. PMID:27670571

  5. Use of a Novel Accounting and Grouping Method for Major Trunk Injury-Analysis of Data from a Statewide Trauma Financial Survey.

    PubMed

    Joubert, Kyla D; Mabry, Charles D; Kalkwarf, Kyle J; Betzold, Richard D; Spencer, Horace J; Spinks, Kara M; Porter, Austin; Karim, Saleema; Robertson, Ronald D; Sutherland, Michael J; Maxson, Robert T

    2016-09-01

    Major trunk trauma is common and costly, but comparisons of costs between trauma centers (TCs) are rare. Understanding cost is essential to improve quality, manage trauma service lines, and to facilitate institutional commitment for trauma. We have used results of a statewide trauma financial survey of Levels I to IV TC to develop a useful grouping method for costs and clinical characteristics of major trunk trauma. The trauma financial survey collected billing and clinical data on 75 per cent of the state trauma registry patients for fiscal year 2012. Cost was calculated by separately accounting for embedded costs of trauma response and verification, and then adjusting reasonable costs from the Medicare cost report for each TC. The cost-to-charge ratios were then recalculated and used to determine uniform cost estimates for each patient. From the 13,215 patients submitted for the survey, we selected 1,094 patients with major trunk trauma: lengths of stay ≥ 48 hours and a maximum injury of AIS ≥3 for either thorax or abdominal trauma. These patients were then divided into three Injury Severity Score (ISS) groups of 9 to 15, 16 to 24, or 25+ to stratify patients into similar injury groups for analysis of cost and cost drivers. For abdominal injury, average total cost for patients with ISS 9 to 15 was $17,429. Total cost and cost per day increased with severity of injury, with $51,585 being the total cost for those with ISS 25. Similar trends existed for thoracic injury. Use of the Medicare cost report and cost-to-charge ratios to compute uniform costs with an innovative grouping method applied to data collected across a statewide trauma system provides unique information regarding cost and outcomes, which affects quality improvement, trauma service line management, and decisions on TC participation.

  6. [Methodology for determining the index of caring complexity (ICC):prospective observational study in a stroke unit].

    PubMed

    Cavaliere, Bruno; Piu, Franco; Di Matteo, Roberta

    2012-01-01

    The method for determining the value of the index of caring complexity (ICC) is a multi-dimensional capable of resolving the problem of assessing the complexity of care. The fields of application of ICC methodology are multidisciplinary. The ICC method was applied in hospitals and territorial services and could also be useful for free professionals. Methodology is part and parcel of the caring process and does not therefore require specific data collection for classifying patients but the "scores " derive directly from the data flow obtained during the caring process.

  7. 15 CFR 801.12 - Rules and regulations for the BE-180, Benchmark Survey of Financial Services Transactions between...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Trade (Continued) BUREAU OF ECONOMIC ANALYSIS, DEPARTMENT OF COMMERCE SURVEY OF INTERNATIONAL TRADE IN... purchases, this voluntary reporting option may apply to sales, to purchases, or to both. (3) Exemption... open-end investment funds, trusts, estates, and agency accounts, real estate investment trusts,...

  8. To What Extent Do Financial Strain and Labour Force Status Explain Social Class Inequalities in Self-Rated Health? Analysis of 20 Countries in the European Social Survey

    PubMed Central

    Shaw, Richard J.; Benzeval, Michaela; Popham, Frank

    2014-01-01

    Introduction Nordic countries do not have the smallest health inequalities despite egalitarian social policies. A possible explanation for this is that drivers of class differences in health such as financial strain and labour force status remain socially patterned in Nordic countries. Methods Our analyses used data for working age (25–59) men (n = 48,249) and women (n = 52,654) for 20 countries from five rounds (2002–2010) of the European Social Survey. The outcome was self-rated health in 5 categories. Stratified by gender we used fixed effects linear regression models and marginal standardisation to instigate how countries varied in the degree to which class inequalities were attenuated by financial strain and labour force status. Results and Discussion Before adjustment, Nordic countries had large inequalities in self-rated health relative to other European countries. For example the regression coefficient for the difference in health between working class and professional men living in Norway was 0.34 (95% CI 0.26 to 0.42), while the comparable figure for Spain was 0.15 (95% CI 0.08 to 0.22). Adjusting for financial strain and labour force status led to attenuation of health inequalities in all countries. However, unlike some countries such as Spain, where after adjustment the regression coefficient for working class men was only 0.02 (95% CI −0.05 to 0.10), health inequalities persisted after adjustment for Nordic countries. For Norway the adjusted coefficient was 0.17 (95% CI 0.10 to 0.25). Results for women and men were similar. However, in comparison to men, class inequalities tended to be stronger for women and more persistent after adjustment. Conclusions Adjusting for financial security and labour force status attenuates a high proportion of health inequalities in some counties, particularly Southern European countries, but attenuation in Nordic countries was modest and did not improve their relative position. PMID:25313462

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

    ERIC Educational Resources Information Center

    Rhoads, Christopher

    2016-01-01

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

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

    ERIC Educational Resources Information Center

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

    2012-01-01

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

  11. 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…

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

    PubMed Central

    2014-01-01

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

  14. Does non-profit health insurance reduce financial burden? Evidence from the Vietnam Living Standards Survey Panel.

    PubMed

    Sepehri, Ardeshir; Sarma, Sisira; Simpson, Wayne

    2006-06-01

    Many low-income countries are implementing non-profit medical insurance to increase access to health services, especially among low-income households, and to raise additional revenue for financing public health services. This paper estimates the effect of insurance on out-of-pocket health expenditures using the Vietnam Living Standards Surveys for 1993 and 1998 and appropriate models for panel data. Our findings suggest that health insurance reduces health expenditure when unobserved heterogeneity is accounted for. Failure to capture unobserved heterogeneity produces contrary results that are consistent with previous cross-sectional studies in the literature. Health insurance is found to reduce out-of-pocket expenditure between 16 and 18% and the reduction in expenditure is more pronounced for individuals with lower incomes. At mean income, the effect of health insurance is to reduce health expenditures between 28 and 35%.

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

    PubMed Central

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

    2014-01-01

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

  16. Develop and test an internally cooled, cabled superconductor (ICCS) for large scale MHD magnets

    SciTech Connect

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

    1990-04-30

    The work conducted under DOE/PETC Contract DE-AC22-84PC70512 has included four principal tasks, (1) development of a Design Requirements Definition for a retrofit MHD magnet system, (2) analysis of an internally cooled, cabled superconductor (ICCS) to use in that design, (3) design of an experiment to test a subscale version of that conductor, which is a NbTi, copper stabilized superconductor, and (4) proof-of-concept testing of the conductor. The program was carried forth through the third task with very successful development and test of a conventional ICCS conductor with 27 multifilamentary copper-superconductor composite strands and a new concept conductor in which, in each triplet, two strands were pure copper and the third strand was a multifilamentary composite. In reviewing the magnet design and the premises for the conductor design it became obvious that, since the principal source of perturbation in MHD magnets derives from slippage between coils, or between turns in a coil, thereby producing frictional heat which must flow through the conductor sheath and the helium to the superconductor strands, an extra barrier might be highly effective in enhancing magnet stability and protection. This concept was developed and a sample conductor manufactured and tested in comparison with an identical conductor lacking such an additional barrier. Results of these conductor tests confirm the potential value of such a barrier. As the work of tasks 1 through 3 has been reported in detail in quarterly and semiannual reports, as well as in special reports prepared throughout the course of this project, this report reviews early work briefly and then discusses this last phase in great detail. 8 refs., 36 figs.

  17. 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…

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

    PubMed

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

    2012-08-01

    The purpose of this study was to test the relationships between financial socialization agents, financial experiences, money attitudes, demographic characteristics, and the financial literacy of Korean adolescents. Using the 2006 Korean National Financial Literacy Test Survey for Adolescents (N = 1185), a series of regression analyses were performed to determine the factors related to financial literacy. It was found that those who chose media as their primary financial socialization agent, and those who had a bank account, exhibited higher levels of financial literacy. Among the sample, those who saw money as good or as a reward for efforts tended to report higher levels of financial literacy, while those perceiving money in terms of avoidance or achievement had lower levels of financial literacy. Students with mid-range monthly allowances showed higher levels of financial literacy compared to the highest allowance group. Implications for financial educators, policy makers, and researchers are provided.

  19. 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…

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

    ERIC Educational Resources Information Center

    Dimas, Héctor Manuel Serna

    2016-01-01

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

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

    ERIC Educational Resources Information Center

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

    2011-01-01

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

  2. On the origin of rhythmic calcium transients in the ICC-MP of the mouse small intestine.

    PubMed

    Lowie, Bobbi-Jo; Wang, Xuan-Yu; White, Elizabeth J; Huizinga, Jan D

    2011-11-01

    Interstitial cells of Cajal associated with the myenteric plexus (ICC-MP) are pacemaker cells of the small intestine, producing the characteristic omnipresent electrical slow waves, which orchestrate peristaltic motor activity and are associated with rhythmic intracellular calcium oscillations. Our objective was to elucidate the origins of the calcium transients. We hypothesized that calcium oscillations in the ICC-MP are primarily regulated by the sarcoplasmic reticulum (SR) calcium release system. With the use of calcium imaging, study of the effect of T-type calcium channel blocker mibefradil revealed that T-type channels did not play a major role in generating the calcium transients. 2-Aminoethoxydiphenyl borate, an inositol 1,4,5 trisphosphate receptor (IP(3)R) inhibitor, and U73122, a phospholipase C inhibitor, both drastically decreased the frequency of calcium oscillations, suggesting a major role of IP(3) and IP(3)-induced calcium release from the SR. Immunohistochemistry proved the expression of IP(3)R type I (IP(3)R-I), but not type II (IP(3)R-II) and type III (IP(3)R-III) in ICC-MP, indicating the involvement of the IP(3)R-I subtype in calcium release from the SR. Cyclopiazonic acid, a SR/endoplasmic reticulum calcium ATPase pump inhibitor, strongly reduced or abolished calcium oscillations. The Na-Ca exchanger (NCX) in reverse mode is likely involved in refilling the SR because the NCX inhibitor KB-R7943 markedly reduced the frequency of calcium oscillations. Immunohistochemistry revealed 100% colocalization of NCX and c-Kit in ICC-MP. Testing a mitochondrial NCX inhibitor, we were unable to show an essential role for mitochondria in regulating calcium oscillations in the ICC-MP. In summary, ongoing IP(3) synthesis and IP(3)-induced calcium release from the SR, via the IP(3)R-I, are the major drivers of the calcium transients associated with ICC pacemaker activity. This suggests that a biochemical clock intrinsic to ICC determines the pacemaker

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

    ERIC Educational Resources Information Center

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

    2012-01-01

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

  4. Income, age and financial satisfaction.

    PubMed

    Hsieh, Chang-ming

    2003-01-01

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

  5. 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…

  6. Salary Levels for Chief Financial Aid Administrators.

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

    2002-01-01

    The Survey of Undergraduate Financial Aid Policies, Practices, and Procedures gathered information on median annual salary levels for chief financial aid administrators in 1999-2000. Among detailed findings, the survey concluded that men still have higher salaries than women. (EV)

  7. Correlates of financial satisfaction.

    PubMed

    Hsieh, C M

    2001-01-01

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

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

    PubMed

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

    2016-01-01

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

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

    PubMed

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

    2016-01-01

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

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

    PubMed Central

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

    2016-01-01

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

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

    PubMed Central

    Zhang, Yingmei

    2016-01-01

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

  12. P2X2 and P2X5 Receptors Mediate Bladder Hyperesthesia in ICC in Female Overactive Bladder.

    PubMed

    Meng, Mingsen; Zheng, Ji; Yan, Junan; Li, Qianwei; Fang, Qiang; Li, Weibing

    2015-06-01

    This study was set to explore the role of P2X2 and P2X5 as the important molecules in sensory afferent of bladder in female overactive bladder (OAB) patients with the bladder hyperesthesia. Sixty-eight OAB patients admitted in Southwest Hospital affiliated to the Third Military Medical University during September, 2011-December, 2012 were selected and included in the experimental group (OAB group) and 30 healthy volunteers during the same period were included as the control group. We recorded voiding diary and urodynamic results, and immunohistochemistry analysis was used to detect P2X2 and P2X5 receptor in interstitial cell of Caja (ICC) in bladder tissue of female OAB patients and healthy volunteers, to tentatively explore the effect of P2X2 and P2X5 in bladder hyperesthesia. Urodynamic study has important diagnostic value in the diagnosis and differential diagnosis of OAB. P2X2 receptor was significantly up-regulated in bladder ICC in OAB group. The blockage of P2X2 receptor could significantly inhibit the contraction of bladder muscle strips, decrease the bladder pressure and the electric discharge of pelvic nerve. PET and urodynamic study showed that micturition desire sense in PAG area of pons in OAB patients was significantly increased compared with the control group. The up-regulation of P2X2 in ICC is an important factor to cause bladder hyperesthesia in OAB patients. PET and urodynamic study indicate that the bladder-originated nervous impulses are important cause of OAB. This study provides a basis for the study of P2X2 receptor in ICC in bladder hyperesthesia of OAB patients.

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

    PubMed

    Zhang, Yingmei; Ren, Jun

    2016-02-01

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

  14. 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.

  15. 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 ...

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

    EPA Science Inventory

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

  17. Examining the Relationship between Financial Issues and Divorce

    ERIC Educational Resources Information Center

    Dew, Jeffrey; Britt, Sonya; Huston, Sandra

    2012-01-01

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

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

    ERIC Educational Resources Information Center

    College Entrance Examination Board, New York, NY.

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

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

    ERIC Educational Resources Information Center

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

    2012-01-01

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

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

    ERIC Educational Resources Information Center

    McKinney, Lyle; Roberts, Toya

    2012-01-01

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

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

    ERIC Educational Resources Information Center

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

    2010-01-01

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

  2. Quantitation of viable Coxiella burnetii in milk using an integrated cell culture-polymerase chain reaction (ICC-PCR) assay.

    PubMed

    Stewart, Diana; Shieh, Y-Carol; Tortorello, Mary; Kukreja, Ankush; Shazer, Arlette; Schlesser, Joseph

    2015-11-01

    The obligate intracellular pathogen Coxiella burnetii has long been considered the most heat resistant pathogen in raw milk, making it the reference pathogen for determining pasteurisation conditions for milk products. New milk formulations and novel non-thermal processes require validation of effectiveness which requires a more practical method for analysis than using the currently used animal model for assessing Coxiella survival. Also, there is an interest in better characterising thermal inactivation of Coxiella in various milk formulations. To avoid the use of the guinea pig model for evaluating Coxiella survival, an Integrated Cell Culture-PCR (ICC-PCR) method was developed for determining Coxiella viability in milk. Vero cell cultures were directly infected from Coxiella-contaminated milk in duplicate 24-well plates. Viability of the Coxiella in milk was shown by a ≥ 0.5 log genome equivalent (ge)/ml increase in the quantity of IS111a gene from the baseline post-infection (day 0) level after 9-11 d propagation. Coxiella in skim, 2%, and whole milk, and half and half successfully infected Vero cells and increased in number by at least 2 logs using a 48-h infection period followed by 9-d propagation time. As few as 125 Coxiella ge/ml in whole milk was shown to infect and propagate at least 2 logs in the optimised ICC-PCR assay, though variable confirmation of propagation was shown for as low as 25 Coxiella ge/ml. Applicability of the ICC-PCR method was further proven in an MPN format to quantitate the number of viable Coxiella remaining in whole milk after 60 °C thermal treatment at 0, 20, 40, 60 and 90 min.

  3. FINANCIAL LITERACY, FINANCIAL EDUCATION AND ECONOMIC OUTCOMES

    PubMed Central

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

    2013-01-01

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

  4. 25th IAEA Fusion Energy Conference: summary of sessions EX/S, EX/W and ICC

    NASA Astrophysics Data System (ADS)

    Sen, A.

    2015-10-01

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

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

    PubMed

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

    2015-01-01

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

  6. 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.

  7. Salary Levels for Chief Financial Aid Administrators.

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

    2002-01-01

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

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

    SciTech Connect

    Bolinger, Mark; Holt, Edward

    2015-06-01

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

  9. A survey of the causes of cattle organs and/or carcass condemnation, financial losses and magnitude of foetal wastage at an abattoir in Dodoma, Tanzania.

    PubMed

    Tembo, Wilfred; Nonga, Hezron E

    2015-04-16

    Slaughterhouses provide a safeguard that prevents the public from consuming meat of poor quality or meat which may be infected with zoonotic diseases. This work reviews a 3-year database of cattle that were slaughtered and inspected between 2010 and 2012 at Dodoma abattoir, Tanzania. In addition, meat inspection was undertaken for 1 month (December 2013). The aim of this study was to establish causes of organ and carcass condemnations and their financial implications as well as the magnitude of slaughter of pregnant cows at Dodoma abattoir. During retrospective study, it was found that a total of 9015 (10.5%) lungs, 6276 (7.3%) intestines, 5402 (6.3%) livers, 3291 (3.8%) kidneys and 41 (0.05%) carcasses were condemned. Pulmonary emphysema (3.4%), fasciolosis (4.5%), pimply gut (5.7%), kidney congenital cysts (1.9%) and hydatidosis (3.1%) were major causes of organ condemnations. This large number of condemned edible organs and/or carcasses implies that public health considerations result in deprivation of valuable protein. Occurrence of hydatidosis, cysticercosis, fasciolosis and tuberculosis illustrates the possible public health problem and presence of environmental infections. Of the 794 cows slaughtered in December 2013, 46% were pregnant. Financial loss as a result of organ and/or carcass condemnations was estimated at $9892. Condemnation of organs and/or carcasses and indiscriminate slaughter of pregnant cows represent a significant loss of meat and revenue and a reduction in growth of future herds, which has a negative effect on the livestock industry. This justifies appropriate surveillance and disease control programmes coupled with strict enforcement of legislation governing animal welfare to curb the slaughter of pregnant animals.

  10. 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…

  11. Financial audit

    SciTech Connect

    Not Available

    1992-01-01

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

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

    SciTech Connect

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

    2011-05-06

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

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

    PubMed Central

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

    2014-01-01

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

  14. Financial Well-being in Active Ageing.

    PubMed

    Rajola, Federico; Frigerio, Chiara; Parrichi, Monica

    2014-01-01

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

  15. Financial Well-being in Active Ageing.

    PubMed

    Rajola, Federico; Frigerio, Chiara; Parrichi, Monica

    2014-01-01

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

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

    ERIC Educational Resources Information Center

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

    2016-01-01

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

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

    ERIC Educational Resources Information Center

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

    2011-01-01

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

  18. Financial debt of orthopedic residents.

    PubMed

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

    2012-04-01

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

  19. Financial debt of orthopedic residents.

    PubMed

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

    2012-04-01

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

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

    PubMed

    Manturuk, Kim; Riley, Sarah; Ratcliffe, Janneke

    2012-03-01

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

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

    ERIC Educational Resources Information Center

    Basic Skills Agency, 2007

    2007-01-01

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

  2. Expression of neuropeptides and anoctamin 1 in the embryonic and adult zebrafish intestine, revealing neuronal subpopulations and ICC-like cells.

    PubMed

    Uyttebroek, Leen; Shepherd, Iain T; Hubens, Guy; Timmermans, Jean-Pierre; Van Nassauw, Luc

    2013-11-01

    This immunohistochemical study in zebrafish aims to extend the neurochemical characterization of enteric neuronal subpopulations and to validate a marker for identification of interstitial cells of Cajal (ICC). The expression of neuropeptides and anoctamin 1 (Ano1), a selective ICC marker in mammals, was analyzed in both embryonic and adult intestine. Neuropeptides were present from 3 days postfertilization (dpf). At 3 dpf, galanin-positive nerve fibers were found in the proximal intestine, while calcitonin gene-related peptide (CGRP)- and substance P-expressing fibers appeared in the distal intestine. At 5 dpf, immunoreactive fibers were present along the entire intestinal length, indicating a well-developed peptidergic innervation at the onset of feeding. In the adult intestine, vasoactive intestinal peptide (VIP), pituitary adenylate cyclase-activating peptide (PACAP), galanin, CGRP and substance P were detected in nerve fibers. Colchicine pretreatment enhanced only VIP and PACAP immunoreactivity. VIP and PACAP were coexpressed in enteric neurons. Colocalization stainings revealed three neuronal subpopulations expressing VIP and PACAP: a nitrergic noncholinergic subpopulation, a serotonergic subpopulation and a subpopulation expressing no other markers. Ano1-immunostaining revealed a 3-dimensional network in the adult intestine containing multipolar cells at the myenteric plexus and bipolar cells interspersed between circular smooth muscle cells. Ano1 immunoreactivity first appeared at 3 dpf, indicative of the onset of proliferation of ICC-like cells. It is shown that the Ano1 antiserum is a selective marker of ICC-like cells in the zebrafish intestine. Finally, it is hypothesized that ICC-like cells mediate the spontaneous regular activity of the embryonic intestine.

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

    ERIC Educational Resources Information Center

    MacCallum, Mike

    2008-01-01

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

  4. Trends in financial satisfaction among middle-age and old-age Americans, 1972-1996.

    PubMed

    Hsieh, C M

    2000-01-01

    Using data from the General Social Surveys (1972-1996), this study decomposes the trends in financial satisfaction into intercohort and intracohort patterns to assess the intracohort change and cohort replacement effects on financial satisfaction. The results suggest that a positive intracohort component of financial satisfaction trends, indicating more financial satisfaction with time; and a negative intercohort component, indicating that younger cohorts are less satisfied financially. The multivariate analysis further suggests that the change in financial satisfaction trends is mostly due to a strong intercohort replacement effect. That is, the change in financial satisfaction trends can be largely accounted for by the intercohort replacement effect of younger cohorts' being less satisfied financially.

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

    ERIC Educational Resources Information Center

    Federal Deposit Insurance Corporation, 2007

    2007-01-01

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

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

    PubMed

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

    2016-01-01

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

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

    PubMed Central

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

    2016-01-01

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

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

    PubMed

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

    2016-01-01

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

  9. Financial Responsibilities. Financial Matters. Board Basics.

    ERIC Educational Resources Information Center

    Burlock, Tracy J.; Chabotar, Kent John

    1998-01-01

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

  10. 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

  11. 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

  12. 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…

  13. 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…

  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.

  15. 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

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

    ERIC Educational Resources Information Center

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

    2008-01-01

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

  17. Financial Performance of Academic Health Center Hospitals, 1994-2000.

    ERIC Educational Resources Information Center

    Dobson, Allen; Koenig, Lane; Sen, Namrata; Ho, Silver; Gilani, Jawaria

    This study examined how competitive market dynamics between 1994 and 2000 have affected the financial stability of Academic Health Center (AHC) hospitals and their ability to support their academic and social missions. It looked at the financial challenges facing AHC hospitals through a survey involving 1,138 teaching hospitals. Findings…

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

    ERIC Educational Resources Information Center

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

    2011-01-01

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

  19. Financial Issues and Relationship Outcomes among Cohabiting Individuals

    ERIC Educational Resources Information Center

    Dew, Jeffrey

    2011-01-01

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

  20. Perceptions of Financial Aid among California Latino Youth

    ERIC Educational Resources Information Center

    Tomas Rivera Policy Institute, 2005

    2005-01-01

    This document summarizes the results of a 15-minute survey that was administered to four hundred 18-24 year-old Latino youth in California to determine their perceptions of financial aid. Among the key findings were that (1) three out of four Latino young adults who did not attend college cited lack of financial aid as a factor in their decision…

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

    ERIC Educational Resources Information Center

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

    2002-01-01

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

  2. A Financial Aid Competency Model for Professional Development

    ERIC Educational Resources Information Center

    Woolf, Neil; Martinez, Mario

    2013-01-01

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

  3. Basic Financial Data on Catholic Elementary Schools.

    ERIC Educational Resources Information Center

    Bredeweg, Frank H.

    Using the expenses reported for 1976-77 in a government survey, and the revenues reported by Catholic diocesan offices, this document presents an analysis of financial data for Catholic elementary schools in the country. Data are reflected for about 80 percent of the 8,281 Catholic schools in 1976-77. Twelve tables supply figures for the…

  4. Valuing the Implementation of Financial Literacy Education

    ERIC Educational Resources Information Center

    Davis, Kimberlee; Durband, Dorothy Bagwell

    2008-01-01

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

  5. The Financial Value of a Higher Education

    ERIC Educational Resources Information Center

    Kantrowitz, Mark

    2007-01-01

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

  6. Diabetes-induced loss of gastric ICC accompanied by up-regulation of natriuretic peptide signaling pathways in STZ-induced diabetic mice.

    PubMed

    Wu, Yi-Song; Lu, Hong-Li; Huang, Xu; Liu, Dong-Hai; Meng, Xiang-Min; Guo, Xin; Kim, Young-chul; Xu, Wen-Xie

    2013-02-01

    Our previous study demonstrated that natriuretic peptides (NPs) play an inhibitory role in regulation of gastric smooth muscle motility. However, it is not clear whether NPs are involved in diabetics-induced loss of gastric interstitial cell of Cajal (ICC). The present study was designed to investigate the relationship between diabetics-induced loss of gastric ICC and natriuretic peptide signaling pathway in streptozotocin (STZ)-induced diabetic mice. The results showed that the protein expression levels of c-Kit and membrane-bound stem cell factor (mSCF) in gastric smooth muscle layers were decreased in STZ-induced diabetic mice. However, both mRNA and protein expression levels of natriuretic peptide receptor (NPR)-A, B and C were increased in the same place of the diabetic mice. The amplitude of spontaneous contraction in gastric antral smooth muscles was inhibited by C-type natriuretic peptide (CNP) dose-dependently and the inhibitory effect was potentiated in diabetic mice. Pretreatment of the cultured gastric smooth muscle cells (GSMCs) with different concentration of CNP can significantly decrease the mSCF expression level. 8-Bromoguanosine-3',5'-cyclomo-nophosphate (8-Br-cGMP), a membrane permeable cGMP analog, mimicked the effect of CNP but not cANF (a specific NPR-C agonist). Methylthiazolyldiphenyl-tetrazolium bromide (MTT) assay showed that high concentration of cANF (10(-6) mol/L) inhibited cell proliferation in cultured GSMCs. These findings suggest that up-regulation of NPs/NPR-A, B/cGMP and NPs/NPR-C signaling pathways may be involved in diabetes-induced loss of gastric ICC.

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

    ERIC Educational Resources Information Center

    Woolf, Michael Neil

    2012-01-01

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

  8. 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…

  9. Trends in financial satisfaction: does poverty make a difference?

    PubMed

    Hsieh, Chang-Ming

    2002-01-01

    Gerontological studies on financial satisfaction have been limited by the dearth of longitudinal research and the lack of research that includes the concept of poverty. In order to bridge these gaps, this longitudinal study examines and compares the intracohort and intercohort effects on financial satisfaction trends by poverty status among Americans age 45 and above, using data from the General Social Surveys. The results suggest that for both the poor and the non-poor, changes in financial satisfaction trends are mostly due to strong negative intercohort effects, indicating that younger cohorts are less satisfied financially than the older ones. There appears to be a significant difference in the intercohort effects of financial satisfaction trends between the poor and the non-poor. However, such difference can be accounted for by the differences in the effects of education and social comparison (or relative deprivation) on financial satisfaction between the poor and the non-poor.

  10. 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)

  11. School Facilities Survey.

    ERIC Educational Resources Information Center

    Saunders, Harry B.

    This survey of facility needs includes an evaluation of staff organization and operating procedures for the Philadelphia Public School District. The educational policies adopted by the Philadelphia Board of Education relating to school facilities are discussed, and existing sites and buildings, population enrollment data, and financial data are…

  12. The Survey: Improving Its Usefulness.

    ERIC Educational Resources Information Center

    Brown, Roberta D.

    Attrition at the Arkansas College, a small independent institution, was studied through a survey of former students. Respondents were asked to reflect upon their college experience in relation to personal needs, academic and financial concerns, social life, services, and college life. The College Experience Survey and the Rate of Attrition…

  13. Project financial evaluation

    SciTech Connect

    None, None

    2009-01-18

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

  14. Financial Literacy as the Foundation for Individual Financial Behavior

    ERIC Educational Resources Information Center

    Dwiastanti, Anis

    2015-01-01

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

  15. Chaotic Financial Tornadoes

    NASA Astrophysics Data System (ADS)

    Jakimowicz, Aleksander

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

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

    PubMed

    Lim, Ji Young; Noh, Wonjung

    2015-09-01

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

  17. A survey of surveys

    SciTech Connect

    Kent, S.M.

    1994-11-01

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

  18. 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.

  19. 50 CFR 86.111 - Must I do a survey?

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ...) FINANCIAL ASSISTANCE-WILDLIFE AND SPORT FISH RESTORATION PROGRAM BOATING INFRASTRUCTURE GRANT (BIG) PROGRAM... surveys. They are voluntary. However, if you do a survey, you must complete it following the...

  20. 50 CFR 86.111 - Must I do a survey?

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ...) FINANCIAL ASSISTANCE-WILDLIFE AND SPORT FISH RESTORATION PROGRAM BOATING INFRASTRUCTURE GRANT (BIG) PROGRAM... surveys. They are voluntary. However, if you do a survey, you must complete it following the...

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

    ERIC Educational Resources Information Center

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

    2013-01-01

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

  2. Strategic planning processes and hospital financial performance.

    PubMed

    Kaissi, Amer A; Begun, James W

    2008-01-01

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

  3. New Financial Models.

    ERIC Educational Resources Information Center

    Taylor, Michael G.

    1991-01-01

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

  4. 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.

  5. 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),…

  6. 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…

  7. 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…

  8. Coping with Financial Distress

    ERIC Educational Resources Information Center

    Chabotar, Kent John

    2007-01-01

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

  9. Detection of poliovirus by ICC/qPCR in concentrated water samples has greater sensitivity and is less costly using BGM cells in suspension as compared to monolayers.

    PubMed

    Balkin, Helene B; Margolin, Aaron B

    2010-01-01

    The integrated cell culture quantitative reverse transcriptase PCR (ICC/qRT-PCR) method is used in our lab to detect enteroviruses in environmental waters. Typically we utilize monolayers of 3 cell lines; buffalo green monkey kidney (BGM), human colonic carcinoma (CACO-2) and African rhesus monkey kidney (MA104) with the intent of providing one or more permissive hosts to a wide range of enteroviruses. In this study the BGM cell line was used to compare poliovirus infectivity in conventional monolayer cultures to BGM cells in suspensions. Propagated virus was subsequently amplified by qRT-PCR. Our PCR data showed lower cycle threshold (Ct) values in the suspensions which corresponded to a higher rate of infectivity than that observed in the monolayers. The difference in Ct values was determined statistically significant by One-way ANOVA (0.000). Infecting BGM cells in suspensions required less hands-on time, less chance of contamination and was more cost effective than utilizing the conventional monolayer technique.

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

    PubMed

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

    2010-12-01

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

  11. 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…

  12. 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,…

  13. 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).…

  14. 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…

  15. 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.

  16. 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.

  17. Radiology applications of financial accounting.

    PubMed

    Leibenhaut, Mark H

    2005-03-01

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

  18. 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

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

    PubMed

    Akben-Selcuk, Elif; Altiok-Yilmaz, Ayse

    2014-10-01

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

  20. "Financial Bubbles" and Monetary Policy

    ERIC Educational Resources Information Center

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

    2016-01-01

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

  1. 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…

  2. Erecting a Sturdy Financial Structure.

    ERIC Educational Resources Information Center

    West, Jeffrey J.

    1998-01-01

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

  3. 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.

  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. 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…

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

    PubMed

    Townsend, Robert

    2010-09-01

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

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

    PubMed

    Townsend, Robert

    2010-09-01

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

  8. Private Investment Purchase and Nursing Home Financial Health

    PubMed Central

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

    2015-01-01

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

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

    PubMed Central

    Townsend, Robert

    2010-01-01

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

  10. 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

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

    ERIC Educational Resources Information Center

    St. Pierre, Eileen; Shreffler, Karina

    2013-01-01

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

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

    ERIC Educational Resources Information Center

    Robb, Cliff A.; Sharpe, Deanna L.

    2009-01-01

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

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

    ERIC Educational Resources Information Center

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

    2013-01-01

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

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

    ERIC Educational Resources Information Center

    Menard, Lauren Ann

    2014-01-01

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

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

    ERIC Educational Resources Information Center

    Holmes, George M.; Pink, George H.

    2012-01-01

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

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

    ERIC Educational Resources Information Center

    Inman-Freitas, Deborah

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

  17. 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.

  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. The Academic Impact of Financial Stress on College Students

    ERIC Educational Resources Information Center

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

    2009-01-01

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

  20. Education and Training and the Avoidance of Financial Disadvantage

    ERIC Educational Resources Information Center

    Marks, Gary N.

    2011-01-01

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

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

    ERIC Educational Resources Information Center

    Yang, Po

    2010-01-01

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

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

    ERIC Educational Resources Information Center

    Li, Wenli

    2007-01-01

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

  3. Trends in Financial Indicators of Colleges and Universities.

    ERIC Educational Resources Information Center

    Gomberg, Irene L.; Atelsek, Frank J.

    A survey conducted by the Higher Education Panel sought trends in various items of information about the financial condition of colleges and universities. A stratified sample of 760 insitutions was used, excluding major research universities. Information was requested on basic finance data, dormitory occupancy rates, occurrence of institutional…

  4. Gender Differences in Financial Literacy among Hong Kong Workers

    ERIC Educational Resources Information Center

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

    2015-01-01

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

  5. How to Implement the NCAA Financial Audit Guidelines.

    ERIC Educational Resources Information Center

    Connolly, Lawrence C., Jr.; And Others

    1987-01-01

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

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

    ERIC Educational Resources Information Center

    Kurth, William H.; Zubatsky, David S.

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

  7. 76 FR 50158 - International Services Surveys: Amendments to the BE-120, Benchmark Survey of Transactions in...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-12

    ... and other information services; (15) educational and training services; (16) engineering, architectural, and surveying services; (17) financial services (purchases only); (18) industrial engineering... distribute, or outright sales or purchases): (1) Rights related to industrial processes and products;...

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

    ERIC Educational Resources Information Center

    Schoenfeld, Gregg

    2015-01-01

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

  9. 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…

  10. 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.

  11. 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.

  12. Welfare Gains from Financial Liberalization

    PubMed Central

    Townsend, Robert M.; Ueda, Kenichi

    2010-01-01

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

  13. 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)

  14. 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…

  15. 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

  16. Linking XBRL Financial Data

    NASA Astrophysics Data System (ADS)

    García, Roberto; Gil, Rosa

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

  17. 40 CFR 35.6670 - Financial reports.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  18. 40 CFR 35.6670 - Financial reports.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  19. Financial Knowledge and Best Practice Behavior

    ERIC Educational Resources Information Center

    Robb, Cliff A.; Woodyard, Ann S.

    2011-01-01

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

  20. 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…

  1. Manual for Student Financial Aids.

    ERIC Educational Resources Information Center

    MacDonald, Douglas S.

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

  2. 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…

  3. 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…

  4. 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)

  5. 75 FR 22680 - Financial Management Service; Proposed Collection of Information: Annual Financial Statement of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-29

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

  6. 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.

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

    PubMed

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

    2016-03-01

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

  8. 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)

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

    SciTech Connect

    Britt, Michelle L.; Makela, Eric J.

    2011-01-30

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

  10. Manpower and Financial Resources Allocated to Academic Science and Engineering Activities, 1965-71.

    ERIC Educational Resources Information Center

    National Science Foundation, Washington, DC. Div. of Science Resources Studies.

    This report summarizes the results of the National Science Foundation's biennial survey of manpower and financial resources for scientific engineering activities at institutions of higher education, 1971. The survey was conducted by mail questionnaires sent to 2,198 universities and colleges that maintained science and engineering programs, and…

  11. 75 FR 72871 - Survey of Information Sharing Practices With Affiliates

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-26

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

  12. 40 CFR 35.1630 - State lake classification surveys.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 40 Protection of Environment 1 2013-07-01 2013-07-01 false State lake classification surveys. 35... Freshwater Lakes § 35.1630 State lake classification surveys. States that wish to participate in the clean... Federal financial assistance under this subpart until they complete their survey....

  13. 40 CFR 35.1630 - State lake classification surveys.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 40 Protection of Environment 1 2011-07-01 2011-07-01 false State lake classification surveys. 35... Freshwater Lakes § 35.1630 State lake classification surveys. States that wish to participate in the clean... Federal financial assistance under this subpart until they complete their survey....

  14. 40 CFR 35.1630 - State lake classification surveys.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 40 Protection of Environment 1 2010-07-01 2010-07-01 false State lake classification surveys. 35... Freshwater Lakes § 35.1630 State lake classification surveys. States that wish to participate in the clean... Federal financial assistance under this subpart until they complete their survey....

  15. 40 CFR 35.1630 - State lake classification surveys.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 40 Protection of Environment 1 2012-07-01 2012-07-01 false State lake classification surveys. 35... Freshwater Lakes § 35.1630 State lake classification surveys. States that wish to participate in the clean... Federal financial assistance under this subpart until they complete their survey....

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

    PubMed

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

    2013-01-01

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

  17. Neural antecedents of financial decisions.

    PubMed

    Knutson, Brian; Bossaerts, Peter

    2007-08-01

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

  18. Financial Burden of Health Care Expenditures: Turkey

    PubMed Central

    Sulku, S Nur; Bernard, D Minbay

    2012-01-01

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

  19. Fractal properties of financial markets

    NASA Astrophysics Data System (ADS)

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

    2014-09-01

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

  20. 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)

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

    PubMed Central

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

    2015-01-01

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

  2. Financial Aid Policies and Practices at Medical and Dental Schools: Current Trends and Future Concerns. Synopsis: Higher Education Research Highlights.

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

    The National Association of Student Financial Aid Administrators sponsored the 1998 Survey of Graduate Aid Policies, Practices, and Procedures (SOGAPPP), which asked aid administrators at graduate and professional programs to provide information on the types and sources of financial assistance they distributed to their students during the…

  3. Documenting the birth of a financial economy.

    PubMed

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

    2012-06-26

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

  4. Documenting the birth of a financial economy

    PubMed Central

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

    2012-01-01

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

  5. 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

  6. Greece Financial Crisis and Quality of Life.

    PubMed

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

    2015-01-01

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

  7. Greece Financial Crisis and Quality of Life.

    PubMed

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

    2015-01-01

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

  8. 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...

  9. 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...

  10. 7 CFR 3430.56 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  11. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  12. 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...

  13. 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...

  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. 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…

  16. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  17. 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…

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 38 CFR 21.6260 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  3. 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…

  4. 78 FR 29399 - ERNY Financial ETF Trust and ERNY Financial Advisors, LLC; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-20

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

  5. Financial hardship and psychological distress: exploring the buffering effects of religion.

    PubMed

    Bradshaw, Matt; Ellison, Christopher G

    2010-07-01

    Despite ample precedent in theology and social theory, few studies have systematically examined the role of religion in mitigating the harmful effects of socioeconomic deprivation on mental health. The present study outlines several arguments linking objective and subjective measures of financial hardship, as well as multiple aspects of religious life, with psychological distress. Relevant hypotheses are then tested using data on adults aged 18-59 from the 1998 USNORC General Social Survey. Findings confirm that both types of financial hardship are positively associated with distress, and that several different aspects of religious life buffer against these deleterious influences. Specifically, religious attendance and the belief in an afterlife moderate the deleterious effects of financial hardship on both objective and subjective financial hardship, while meditation serves this function only for objective hardship. No interactive relationships were found between frequency of prayer and financial hardship. A number of implications, study limitations, and directions for future research are identified.

  6. Financial hardship and psychological distress: Exploring the buffering effects of religion

    PubMed Central

    Bradshaw, Matt; Ellison, Christopher G.

    2013-01-01

    Despite ample precedent in theology and social theory, few studies have systematically examined the role of religion in mitigating the harmful effects of socioeconomic deprivation on mental health. The present study outlines several arguments linking objective and subjective measures of financial hardship, as well as multiple aspects of religious life, with psychological distress. Relevant hypotheses are then tested using data on adults aged 18–59 from the 1998 US NORC General Social Survey. Findings confirm that both types of financial hardship are positively associated with distress, and that several different aspects of religious life buffer against these deleterious influences. Specifically, religious attendance and the belief in an afterlife moderate the deleterious effects of financial hardship on both objective and subjective financial hardship, while meditation serves this function only for objective hardship. No interactive relationships were found between frequency of prayer and financial hardship. A number of implications, study limitations, and directions for future research are identified. PMID:20556889

  7. 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.

  8. Survey Says

    ERIC Educational Resources Information Center

    McCarthy, Susan K.

    2005-01-01

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

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

    SciTech Connect

    Not Available

    1994-01-01

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

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

    PubMed

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

    2013-09-01

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

  11. 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…

  12. Financial management skills are associated with food insecurity in a sample of households with children in the United States.

    PubMed

    Gundersen, Craig G; Garasky, Steven B

    2012-10-01

    Food insecurity is one of the leading public health challenges facing children in the United States today. Reducing food insecurity and its attendant consequences requires an understanding of the determinants of food insecurity. Although previous work has greatly advanced our understanding of these determinants, the role of one of the oft-speculated important determinants of food insecurity, household financial management skills, has not been considered. To address this research lacuna, we use a recently conducted survey, the Survey of Household Finances and Childhood Obesity, that has information on specific financial management practices, impressions of financial management skills, and households' food insecurity. The sample included 904 households with children. Within this sample, 19.3% were food insecure and, for our central financial management skill variable, the mean value was 3.55 on a 5-point scale. Probit regression models estimated the probability of a household being food insecure as conditional on financial management skills and other covariates. We found a large and significant inverse relationship between a respondent's use of specific financial management practices and food insecurity and between a respondent's confidence in his or her financial management skills and food insecurity. That is, households with greater financial management abilities are less likely to be food insecure. This finding also holds when the sample is restricted to households with incomes <200% of the poverty line. These results suggest that improving households' financial management skills has the potential to reduce food insecurity in the United States.

  13. Why Ecologists Should Care about Financial Markets.

    PubMed

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

    2015-10-01

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

  14. Theory Survey or Survey Theory?

    ERIC Educational Resources Information Center

    Dean, Jodi

    2010-01-01

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

  15. 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…

  16. 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…

  17. Accounting Principles and Financial Statements.

    ERIC Educational Resources Information Center

    Robinson, Daniel D.

    1973-01-01

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

  18. 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…

  19. 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…

  20. 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…

  1. Financial incentives and weight control.

    PubMed

    Jeffery, Robert W

    2012-11-01

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

  2. Changes in Journal Financial Management

    NASA Astrophysics Data System (ADS)

    Editorial Staff, Jce

    2009-06-01

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

  3. 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.…

  4. Financial Dislocations among Divorcing Families.

    ERIC Educational Resources Information Center

    Little, Marilyn J.

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

  5. Financial Management in School Administration.

    ERIC Educational Resources Information Center

    Tronc, Keith, Ed.

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

  6. Financial incentives and weight control.

    PubMed

    Jeffery, Robert W

    2012-11-01

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

  7. 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…

  8. Financial Responsibilities of Governing Boards.

    ERIC Educational Resources Information Center

    Reed, William S.

    2001-01-01

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

  9. 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)

  10. 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.

  11. Oil company financial analysis in mechanical language

    SciTech Connect

    Johnston, D.A.

    1992-01-01

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

  12. 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.

  13. 7 CFR 550.53 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  14. Financial, operational issues entangle Medicaid managed care.

    PubMed

    Kalkhof, C J

    1992-08-01

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

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

    ERIC Educational Resources Information Center

    Educational Service Region of Cook County, Chicago, IL.

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

  16. 24 CFR 1710.112 - Financial information.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  17. 49 CFR 18.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  18. 29 CFR 97.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Financial reporting. 97.41 Section 97.41 Labor Office of the... LOCAL GOVERNMENTS Post-Award Requirements Reports, Records Retention, and Enforcement § 97.41 Financial... other forms as may from time to time be authorized by OMB, for: (i) Submitting financial reports...

  19. 7 CFR 3016.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  20. 7 CFR 3430.56 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... reporting. (a) SF-269, Financial Status Report. Unless stated differently in the award terms and conditions, a final SF-269, Financial Status Report, is due 90 days after the expiration of the award and should..., Financial Status Report, the total matching contribution, if required, should be shown in the report....

  1. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  2. 22 CFR 17.5 - Financial hardship.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... SYSTEM (FSPS) § 17.5 Financial hardship. (a) Waiver of overpayment will not be allowed in any case prior to receipt and evaluation of a completed Statement of Financial Status, duly sworn by the recipient... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Financial hardship. 17.5 Section 17.5...

  3. 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...

  4. 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...

  5. 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...

  6. 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 protection to cover liability to third persons and loss of or damage to the contractor's property that...

  7. 48 CFR 828.7103 - Financial protection.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Financial protection. 828... Contracts 828.7103 Financial protection. (a) A contractor must have and maintain an amount of financial protection to cover liability to third persons and loss of or damage to the contractor's property that...

  8. 48 CFR 828.7103 - Financial protection.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 5 2011-10-01 2011-10-01 false Financial protection. 828... Contracts 828.7103 Financial protection. (a) A contractor must have and maintain an amount of financial protection to cover liability to third persons and loss of or damage to the contractor's property that...

  9. 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…

  10. Unjust Desserts: Financial Realities of Older Women.

    ERIC Educational Resources Information Center

    Estrine, Judith

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

  11. 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…

  12. The Financial Literacy of Social Work Students

    ERIC Educational Resources Information Center

    Kindle, Peter A.

    2013-01-01

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

  13. 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...

  14. 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...

  15. 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...

  16. 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...

  17. 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...

  18. 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…

  19. 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…

  20. 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…

  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. Financial management in leading health care systems.

    PubMed

    Smith, D G; Wheeler, J R; Rivenson, H L; Reiter, K L

    2000-01-01

    To understand better the financial management practices and strategies of modern health care organizations, we conducted interviews with chief financial officers (CFOs) of several leading health care systems. In this introduction, we present an overview of the project and summary responses on corporate financial structures and strategic challenges facing CFOs. PMID:10845383

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 29 CFR 36.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Financial assistance. 36.430 Section 36.430 Labor Office of the Secretary of Labor NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 36.430 Financial assistance....

  8. Popular Financial Reports: Accountability through Readability.

    ERIC Educational Resources Information Center

    Anderson, Richard T.; Piotrowski, Craig L.

    1994-01-01

    Discusses colleges' use of popular financial reporting to make their annual financial reports more readable to citizens and legislators and to make their reports useful marketing and recruitment tools. Highlights research about financial reports and performance reporting conducted by the Governmental Accounting Standards Board. Describes the…

  9. 10 CFR 61.15 - Financial information.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 10 Energy 2 2013-01-01 2013-01-01 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...

  10. 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 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...

  11. 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...

  12. 10 CFR 61.15 - Financial information.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 10 Energy 2 2014-01-01 2014-01-01 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...

  13. 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 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. 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...

  15. 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...

  16. 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...

  17. 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)…

  18. Understanding Personal and Family Financial Planning Education.

    ERIC Educational Resources Information Center

    American Council of Life Insurance, Washington, DC. Education and Community Services.

    This publication for teachers focuses on one specific content area of consumer education--financial planning. The first major section begins by identifying eight competencies in financial planning education. It describes the financial planning process used to anticipate changes in moving from one stage of life to another, choosing the options, and…

  19. 29 CFR 4041A.26 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Financial assistance. 4041A.26 Section 4041A.26 Labor... OF MULTIEMPLOYER PLANS Plan Sponsor Duties § 4041A.26 Financial assistance. A plan sponsor that... insolvency year shall apply for financial assistance from the PBGC in accordance with § 4281.47....

  20. 6 CFR 17.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  1. 48 CFR 32.108 - Financial consultation.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  2. 24 CFR 574.450 - Financial records.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  3. 45 CFR 1183.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  4. 39 CFR 3050.35 - Financial reports.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 39 Postal Service 1 2010-07-01 2010-07-01 false Financial reports. 3050.35 Section 3050.35 Postal Service POSTAL REGULATORY COMMISSION PERSONNEL PERIODIC REPORTING § 3050.35 Financial reports. (a) The... submission of the Federal Budget by the President to the Congress); and (d) Integrated Financial Plan...

  5. 24 CFR 320.10 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  6. 42 CFR 460.208 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  7. 34 CFR 80.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  8. 14 CFR 1273.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  9. 45 CFR 2555.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  10. 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...

  11. 10 CFR 1042.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  12. 45 CFR 1174.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  13. 10 CFR 600.241 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  14. 45 CFR 1157.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  15. 24 CFR 85.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  16. 22 CFR 135.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  17. 31 CFR 28.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  18. 10 CFR 5.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  19. 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...

  20. 28 CFR 66.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  1. 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...

  2. 13 CFR 113.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  3. 11 CFR 7.10 - Financial interests.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  4. 34 CFR 668.172 - Financial ratios.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  5. Financial Management for Transit: A Handbook.

    ERIC Educational Resources Information Center

    Heaselden, Mark; And Others

    This handbook is primarily intended to serve as a primer for transit system managers who have not had any formal financial education through college classes, professional development programs, or extensive on-the-job programs. The following topics are covered: financial planning techniques for transit (beginning the financial planning process,…

  6. Financial Information: Is It Related to Savings and Investing Knowledge and Financial Behavior of Teenagers?

    ERIC Educational Resources Information Center

    Koonce, Joan C.; Mimura, Yoko; Mauldin, Teresa A.; Rupured, A. Michael; Jordan, Jenny

    2008-01-01

    General linear model procedures were used to investigate the association between financial behavior and sources of financial information, the association between savings and investing knowledge and financial information sources, and the association between financial behavior and savings and investing knowledge. The study participants were 253…

  7. 17 CFR 229.914 - (Item 914) Pro forma financial statements: selected financial data.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

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

    ERIC Educational Resources Information Center

    Huston, Sandra J.

    2015-01-01

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

  9. Modeling Financial Innovation and Economic Growth: Why the Financial Sector Matters to the Real Economy

    ERIC Educational Resources Information Center

    Chou, Yuan K.

    2007-01-01

    The author devises a simple way of incorporating the financial sector into a growth model that is pedagogically useful. Financial innovation raises the efficiency of financial intermediation by increasing the variety of financial products and services, resulting in improved matching of the needs of individual savers with those of firms raising…

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

    ERIC Educational Resources Information Center

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

    2013-01-01

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

  11. 42 CFR 422.356 - Determining substantial financial risk and majority financial interest.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 3 2010-10-01 2010-10-01 false Determining substantial financial risk and majority...-Sponsored Organizations § 422.356 Determining substantial financial risk and majority financial interest. (a) Determining substantial financial risk. The PSO must demonstrate to CMS's satisfaction that it apportions...

  12. Financial Adaptation among College Students: Helping Students Cope with Financial Strain

    ERIC Educational Resources Information Center

    Serido, Joyce; Shim, Soyeon; Xiao, Jing Jian; Tang, Chuanyi; Card, Noel A.

    2014-01-01

    This study examines the impact of the recent financial crisis on co-occurring patterns of change in financial strain and financial coping behaviors of college students (N = 748) using two-timed, longitudinal data collected prior to the 2008 financial crisis and again one year later. Using a stress and coping framework, we found that different…

  13. The Effects of Financial Education and Networks on Business Students' Financial Literacy

    ERIC Educational Resources Information Center

    Chung, Yunhyung; Park, Youngkyun

    2014-01-01

    This study investigates the joint effects of financial education and educational networks on students' financial literacy. With a sample (N = 105) of senior students in a business college, the study finds that not only financial education, but also strong networks with professors, are positively related to the financial literacy of business…

  14. World survey of CAM

    NASA Astrophysics Data System (ADS)

    Hatvany, J.; Merchant, M. E.; Rathmill, K.; Yoshikawa, H.

    The worldwide state of the art and development trends in CAM are surveyed, emphasizing flexible manufacturing systems (FMS), robotics, computer-aided process planning, and computer-aided scheduling. The use of FMS, NC machine tools, DNC systems, and unmanned and nearly unmanned factories, are discussed as the state of the art in the USA, Japan, Western Europe and Eastern Europe. For the same areas, trends are projected, including the use of graphics and languages in CAM, and metamorphic machine tools. A Delphi-type forecast and its conclusions are presented. A CAM system for manufacture is projected for 1985, the use of robots equalling humans in assembly capability for 1990, and the fifty percent replacement of direct labor in automobile final assembly by programmable automation by 1995. An attempt is made to outline a methodical approach to forecasting the development of CAM over the next 10-15 years. Key issues in CAM proliferation, including financial and social aspects, are addressed.

  15. Multicultural Survey.

    ERIC Educational Resources Information Center

    Renyi, Judith, Comp.

    In May of 1992, the Alliance for Curriculum Reform (ACR) surveyed member organizations and others who had participated in ACR activities concerning their printed policies on issues relating to multicultural education. The areas of interest for the survey were: printed policy(ies) on multicultural content/curriculum; printed policy(ies) on student…

  16. SURVEY INSTRUMENT

    DOEpatents

    Borkowski, C J

    1954-01-19

    This pulse-type survey instrument is suitable for readily detecting {alpha} particles in the presence of high {beta} and {gamma} backgrounds. The instruments may also be used to survey for neutrons, {beta} particles and {gamma} rays by employing suitably designed interchangeable probes and selecting an operating potential to correspond to the particular probe.

  17. Relationship between Community Collectivization and Financial Vulnerability of Female Sex Workers in Southern India

    PubMed Central

    Patel, Sangram Kishor; Prabhakar, Parimi; Jain, Anrudh Kumar; Saggurti, Niranjan; Adhikary, Rajatashuvra

    2016-01-01

    Introduction Studies exploring the linkages between financial vulnerabilities and community collectivization of female sex workers (FSWs) are scarce in India despite having potential policy implications. To fill this gap in the literature, this study attempts to understand the financial vulnerabilities among FSWs and assess the relationship between community collectivization and financial vulnerabilities in southern India. Data and Methods Data were drawn from a cross-sectional, behavioral tracking survey (BTS)—2014, conducted among FSWs (N = 2400) in Andhra Pradesh, a southern state of India under the Avahan-India AIDS initiative program. Adjusted odds ratios (AOR) and their 95% confidence intervals (CI) were estimated through multivariate logistic regression, to assess the independent relationships of the degree of community collectivization indicators with financial vulnerability indicators, adjusting for socio-demographic characteristics. Results Most FSWs (87%) reported having either one or more financial vulnerability and nearly one-fifth had a high financial vulnerability. The risk of facing financial vulnerability was significantly lower among FSWs with a high degree of perceived collective efficacy (15% vs 31%; AOR: 0.4; 95% CI: 0.3–0.5) and collective agency (4% vs 21%; AOR: 0.2; 95% CI: 0.1–0.3) as compared to their respective counterparts, after controlling for their individual socio-demographic characteristics. FSWs with a high degree of collective efficacy are also less likely to report different components of financial vulnerability (e.g. income, saving, expenditure, and debt). Conclusion This study finding suggests that community-led interventions such as improving collectivization are promising strategies to address financial vulnerabilities and a path to a sustainable reduction of HIV risk. This study calls for further evidence-based research and measurement of the effects of community-led approaches in addressing the financial

  18. Clustering of financial time series

    NASA Astrophysics Data System (ADS)

    D'Urso, Pierpaolo; Cappelli, Carmela; Di Lallo, Dario; Massari, Riccardo

    2013-05-01

    This paper addresses the topic of classifying financial time series in a fuzzy framework proposing two fuzzy clustering models both based on GARCH models. In general clustering of financial time series, due to their peculiar features, needs the definition of suitable distance measures. At this aim, the first fuzzy clustering model exploits the autoregressive representation of GARCH models and employs, in the framework of a partitioning around medoids algorithm, the classical autoregressive metric. The second fuzzy clustering model, also based on partitioning around medoids algorithm, uses the Caiado distance, a Mahalanobis-like distance, based on estimated GARCH parameters and covariances that takes into account the information about the volatility structure of time series. In order to illustrate the merits of the proposed fuzzy approaches an application to the problem of classifying 29 time series of Euro exchange rates against international currencies is presented and discussed, also comparing the fuzzy models with their crisp version.

  19. 78 FR 54949 - Major Project Financial Plan Guidance

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-06

    ... TRANSPORTATION Federal Highway Administration Major Project Financial Plan Guidance AGENCY: Federal Highway... Major Project Financial Plan Guidance outlining the procedures the FHWA will follow when reviewing and approving Financial Plans. The proposed Major Project Financial Plan Guidance incorporates changes...

  20. 33 CFR 138.80 - Financial responsibility, how established.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  1. 33 CFR 138.80 - Financial responsibility, how established.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  2. 33 CFR 138.80 - Financial responsibility, how established.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  3. 33 CFR 138.80 - Financial responsibility, how established.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

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

  4. 33 CFR 138.80 - Financial responsibility, how established.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  5. Financial tips for PPS success.

    PubMed

    2001-11-01

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

  6. Financial tips for PPS success.

    PubMed

    2001-11-01

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

  7. How Financial Literacy Affects Household Wealth Accumulation

    PubMed Central

    Behrman, Jere R.; Mitchell, Olivia S.; Soo, Cindy K.; Bravo, David

    2012-01-01

    This study isolates the causal effects of financial literacy and schooling on wealth accumulation using a new household dataset and an instrumental variables (IV) approach. Financial literacy and schooling attainment are both strongly positively associated with wealth outcomes in linear regression models, whereas the IV estimates reveal even more potent effects of financial literacy. They also indicate that the schooling effect only becomes positive when interacted with financial literacy. Estimated impacts are substantial enough to imply that investments in financial literacy could have large wealth payoffs. PMID:23355747

  8. Financial Strain, Religious Involvement, and Life Satisfaction Among Older Mexican Americans

    PubMed Central

    Krause, Neal; Bastida, Elena

    2011-01-01

    The purpose of this study is to see if financial strain affects the religious involvement and life satisfaction of older Mexican Americans. In the process, an effort was made to explore the factors that promote financial strain in this ethnic group, including immigration status and English language use. The data come from a nationwide survey of older Mexican Americans. Support was found for the following core relationships in the study model: (1) older adults who were born in Mexico will have less schooling; (2) less education will be associated with less frequent use of English; (3) less frequent use of English will be associated with greater financial strain; (4) greater financial strain leads to less formal involvement in the church; (5) older people who are less involved in the church will have a diminished sense of religious meaning; and (6) older adults with a lower sense of religious meaning will be less satisfied with life. PMID:21666829

  9. Repayment Flexibility Can Reduce Financial Stress: A Randomized Control Trial with Microfinance Clients in India

    PubMed Central

    Field, Erica; Pande, Rohini; Papp, John; Park, Y. Jeanette

    2012-01-01

    Financial stress is widely believed to cause health problems. However, policies seeking to relieve financial stress by limiting debt levels of poor households may directly worsen their economic well-being. We evaluate an alternative policy – increasing the repayment flexibility of debt contracts. A field experiment randomly assigned microfinance clients to a monthly or a traditional weekly installment schedule (N = 200). We used cell phones to gather survey data on income, expenditure, and financial stress every 48 hours over seven weeks. Clients repaying monthly were 51 percent less likely to report feeling “worried, tense, or anxious” about repaying, were 54 percent more likely to report feeling confident about repaying, and reported spending less time thinking about their loan compared to weekly clients. Monthly clients also reported higher business investment and income, suggesting that the flexibility encouraged them to invest their loans more profitably, which ultimately reduced financial stress. PMID:23049836

  10. For love or money? Attitudes toward financial incentives among actual living kidney donors.

    PubMed

    van Buren, M C; Massey, E K; Maasdam, L; Zuidema, W C; Hilhorst, M T; Ijzermans, J N; Weimar, W

    2010-11-01

    Due to lengthening waiting lists for kidney transplantation, a debate has emerged as to whether financial incentives should be used to stimulate living kidney donation. In recent surveys among the general public approximately 25% was in favor of financial incentives while the majority was opposed or undecided. In the present study, we investigated the opinion of living kidney donors regarding financial incentives for living kidney donation. We asked 250 living kidney donors whether they, in retrospect, would have wanted a financial reward for their donation. We also investigated whether they were in favor of using financial incentives in a government-controlled system to stimulate living anonymous donation. Additionally, the type of incentive deemed most appropriate was also investigated. In general almost half (46%) of the study population were positive toward introducing financial incentives for living donors. The majority (78%) was not in favor of any kind of reward for themselves as they had donated out of love for the recipient or out of altruistic principles. Remarkably, 60% of the donors were in favor of a financial incentive for individuals donating anonymously. A reduced premium or free health insurance was the preferred incentive. PMID:20977640

  11. Effects of Performance-Based Financial Incentives on Work Performance: A Study of Technical-Level Employees in the Private Sector in Sri Lanka

    ERIC Educational Resources Information Center

    Wickramasinghe, Vathsala; Dabere, Sampath

    2012-01-01

    The objective of the study is to investigate the effect of performance-based financial incentives on work performance. The study hypothesized that the design features of performance-based financial incentive schemes themselves may influence individuals' work performance. For the study, survey methodology was used and 93 technical-level employees…

  12. Predicting hospital failure with the financial flexibility index.

    PubMed

    Cleverley, W O

    1985-05-01

    In an environment of increasing financial risk, hospital managers are looking for ways to predict financial difficulties before they occur. One response is the financial flexibility index. This index, which uses 10 financial ratios, measures the inflow and outflow of funds to determine the financial flexibility of the institution and identify problem areas before financial failure occurs.

  13. The heterogeneity in financial and time burden of caregiving to children with chronic conditions.

    PubMed

    Zan, Hua; Scharff, Robert L

    2015-03-01

    We examine the financial and time burdens associated with caring for children with chronic conditions, focusing on disparities across types of conditions. Using linked data from the 2003 to 2006 National Health Interview Survey and 2004-2008 Medical Expenditure Panel Survey, we created measures of financial burden (out-of-pocket healthcare costs, the ratio of out-of-pocket healthcare costs to family income, healthcare costs paid by insurance, and total healthcare costs) and time burden (missed school time due to illness or injury and the number of doctor visits) associated with 14 groups of children's chronic conditions. We used the two-part model to assess the effect of condition on financial burden and finite mixture/latent class model to analyze the time burden of caregiving. Controlling for the influences of other socio-demographic characteristics on caregiving burden, children with chronic conditions have higher financial and time burdens relative to caregiving burdens for healthy children. Levels of financial burden and burden sharing between families and insurance system also vary by type of condition. For example, children with pervasive developmental disorder or heart disease have a relatively low financial burden for families, while imposing a high cost on the insurance system. In contrast, vision difficulties are associated with a high financial burden for families relative to the costs borne by others. With respect to time burden, conditions such as cerebral palsy and heart disease impose a low time burden, while conditions such as pervasive developmental disorder are associated with a high time burden. This study demonstrates that differences exist in caregiving burden for children by type of chronic condition. Each condition has a unique profile of time and financial cost burden for families and the insurance system. These results have implications for policymakers and for families' savings and employment decisions.

  14. Comparative Financial Statistics for Public Community and Junior Colleges, 1986-87.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Cirino, Anna Marie

    Comparative financial information for fiscal year 1986-87 is presented in this report, derived from two surveys of 535 public community and junior colleges. Chapter 1 provides guidance on the use of the report to compare institutional statistics with national and peer group medians; points out limitations of the data; and summarizes findings in…

  15. Colleges in New England Find Few Ways to Protect Assets Amid Their Region's Financial Storm.

    ERIC Educational Resources Information Center

    Grassmuck, Karen

    1991-01-01

    An informal survey of some New England colleges indicates that, in response to problems in the region's banking industry, school financial officers are monitoring their banks' credit ratings and managing investments more carefully. Consultants and investment advisors are also reporting increased anxiety among college officers and trustees around…

  16. Developing and Implementing an Internet-Based Financial System Simulation Game.

    ERIC Educational Resources Information Center

    Santos, Joseph

    2002-01-01

    Describes the Financial System Simulator game, an Internet-based, interactive teaching aid that introduces undergraduate students to the domestic and international consequences of monetary policy. States that student surveys indicate the game keeps learners motivated and interested and helps them understand monetary policy. (JEH)

  17. Investigating the Impact of Financial Aid on Student Dropout Risks: Racial and Ethnic Differences

    ERIC Educational Resources Information Center

    Chen, Rong; DesJardins, Stephen L.

    2010-01-01

    This study focuses on the differences in college student dropout behavior among racial/ethnic groups. We employ event history methods and data from the Beginning Postsecondary Students (BPS) and National Postsecondary Student Aid Study (NPSAS) surveys to investigate how financial aid may differentially influence dropout risks among these student…

  18. Undergraduate Music Program Alumni's Career Path, Retrospective Institutional Satisfaction, and Financial Status

    ERIC Educational Resources Information Center

    Miksza, Peter; Hime, Lauren

    2015-01-01

    The purpose of this study was to examine undergraduate music education and performance alumni's career path, retrospective institutional satisfaction, and financial status. Data for this study were drawn from respondents from the 2010 administration of the nationwide, multi-institutional survey conducted by the Strategic National Arts Alumni…

  19. Financial Statistics of Institutions of Higher Education; Current Funds Revenues and Expenditures 1968-69.

    ERIC Educational Resources Information Center

    Mertins, Paul F.; Brandt, Norman J.

    The data presented in this publication were obtained in the fourth annual Higher Education General Information Survey (HEGIS IV), which included a questionnaire on financial statistics for the year 1968-69. Revenues and expenditures were listed under the following categories: (1) educational and general revenues (expenditures); (2) student aid…

  20. Online Investment Education: Listening to Learners to Develop an Effective Financial Literacy Program for Farm Households

    ERIC Educational Resources Information Center

    O'Neill, Barbara; Porter, Nancy M.; Pankow, Debra; Schuchardt, Jane; Johnson, Jason

    2010-01-01

    A needs assessment was conducted for the adaptation of an existing online Cooperative Extension investment course for use by farm households. The theoretical model was Social Marketing Theory. Data about financial attitudes, practices, and learning preferences of farm households were collected through a telephone survey of 300 farm households and…

  1. Learning Financial Accounting in a Tertiary Institution of a Developing Country. An Investigation into Instructional Methods

    ERIC Educational Resources Information Center

    Abeysekera, Indra

    2011-01-01

    This study examines three instructional methods (traditional, interactive, and group case-based study), and student opinions on their preference for learning financial accounting in large classes at a metropolitan university in Sri Lanka. It analyses the results of a survey questionnaire of students, using quantitative techniques to determine the…

  2. Financial Well-Being of Single, Working-Age Mothers of Children with Developmental Disabilities

    ERIC Educational Resources Information Center

    Parish, Susan L.; Rose, Roderick A.; Swaine, Jamie G.; Dababnah, Sarah; Mayra, Ellen Tracy

    2012-01-01

    Understanding the financial well-being of single mothers who care for children with developmental disabilities is important to ensure that public policies can be effectively targeted to support these vulnerable families. The authors analyze data from the Survey of Income and Program Participation to describe income poverty, asset poverty, income,…

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

    ERIC Educational Resources Information Center

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

    2008-01-01

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

  4. Perspectives and Experiences of Financial Aid Counselors on Community College Students Who Borrow

    ERIC Educational Resources Information Center

    McKinney, Lyle; Roberts, Toya; Shefman, Pamelyn

    2013-01-01

    Loan borrowing among community college students has increased in recent years. This study utilized original survey data to examine this trend from the perspective and firsthand experiences of 107 community college financial aid counselors from three states: California, Florida, and Texas. Findings indicate these counselors are concerned with the…

  5. Pathways to Life Success: A Conceptual Model of Financial Well-Being for Young Adults

    ERIC Educational Resources Information Center

    Shim, Soyeon; Xiao, Jing J.; Barber, Bonnie L.; Lyons, Angela C.

    2009-01-01

    The purpose of this study is to describe and test a conceptual model of the potential antecedents and consequences of financial well-being in young adulthood. Data (N = 781) were collected via an online survey conducted at a large state university in the southwestern United States. Our results suggest that self-actualizing personal values,…

  6. Financial Aid Application Technology Utilization by High School Students and Their Parents.

    ERIC Educational Resources Information Center

    Wright, Dianne A. Brown; Stewart, Gregory; Burrell, Charlotte

    1999-01-01

    A survey of 19 diverse two- and four-year colleges in Ohio investigated the availability and use of online applications for college admission, parent and student awareness of and planning for financial aid, the perceived value and cost-effectiveness of online aid applications, and public-policy implications relating to the use of technology for…

  7. 10 CFR 30.35 - Financial assurance and recordkeeping for decommissioning.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    .... (c) * * * (6) If, in surveys made under 10 CFR 20.1501(a), residual radioactivity in the facility and... processors, as defined in 10 CFR part 20, Appendix G, must provide financial assurance in an amount based on... licensee's site to meet the license termination criteria of 10 CFR part 20. The decommissioning...

  8. 10 CFR 30.35 - Financial assurance and recordkeeping for decommissioning.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... to meet the license termination criteria of 10 CFR part 20. The decommissioning funding plan must be submitted by December 2, 2005. (6) If, in surveys made under 10 CFR 20.1501(a), residual radioactivity in... 10 CFR part 20, Appendix G, must provide financial assurance in an amount based on a...

  9. Undergraduates Who Do Not Apply for Financial Aid. Data Point. NCES 2016-406

    ERIC Educational Resources Information Center

    Ifill, Nicole

    2016-01-01

    This report is based on data from the 2011-12 National Postsecondary Student Aid Study (NPSAS:12), a large, nationally representative sample survey of students that focuses on how they finance their education. NPSAS includes data on the application for and receipt of financial aid, including grants, loans, assistantships, scholarships,…

  10. Comparing Teacher Education and Finance Majors' Agreement with Financial Morality Topics

    ERIC Educational Resources Information Center

    Lucey, Thomas A.; Bates, Alan

    2014-01-01

    This article describes findings from a research survey that measured agreement with items that concerned financial morality. The authors analyzed the responses of 382 teacher education majors and finance majors at a Midwestern institution of higher learning in the USA. The study found highest agreement with items measuring business…

  11. Tax Filing and Other Financial Behaviors of EITC-Eligible Households: Differences of Banked and Unbanked

    ERIC Educational Resources Information Center

    Lim, Younghee; Livermore, Michelle; Davis, Belinda Creel

    2011-01-01

    Holding a bank account is crucial to the income-maximizing and asset-building of households. This study uses 2008 survey data of EITC-eligible households assisted at Volunteer Income Tax Assistance (VITA) sites to document their tax filing behavior and use of Alternate Financial Services (AFS). Specifically, the differences in tax filing and AFS…

  12. Perceptions of High-School Principals' Preparedness for Their Financial Resposibilities

    ERIC Educational Resources Information Center

    Stoskopf, Jack E., Jr.

    2013-01-01

    This study examined high-school principals' perceptions of their preparedness for their financial responsibilities. The participants were high-school principals from the state of Wisconsin. Surveys were sent to 150 high-school principals who were members of the Association of Wisconsin School Administrators (AWSA), Wisconsin's…

  13. More "Private" than Private Institutions: Public Institutions of Higher Education and Financial Management

    ERIC Educational Resources Information Center

    Adams, Olin L., III; Robichaux, Rebecca R.; Guarino, A. J.

    2010-01-01

    This research compares the status of managerial accounting practices in public four-year colleges and universities and in private four-year colleges and universities. The investigators surveyed a national sample of chief financial officers (CFOs) at two points in time, 1998-99 and 2003-04. In 1998-99 CFOs representing private institutions reported…

  14. The Role of Universities in Preparing Graduates to Use Software in the Financial Services Workplace

    ERIC Educational Resources Information Center

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

    2014-01-01

    The role of universities in preparing students to use spreadsheet and other technical software in the financial services workplace has been investigated through surveys of university graduates, university academics, and employers. It is found that graduates are less skilled users of software than employers would like, due at least in part to a…

  15. Financial Adequacy, Retirement, and Public Policy: A Study of the Perceptions of Older Americans.

    ERIC Educational Resources Information Center

    Peterson, David Alan

    This study examined the perceptions of older Americans on the financial aspects of retirement and on policy matters which directly bear on their income maintenance positions. A descriptive survey was made of older persons participating in senior citizen multipurpose centers and clubs. The findings showed that 57% of the respondents perceived their…

  16. Cumulative Adverse Financial Circumstances: Associations with Patient Health Status and Behaviors

    ERIC Educational Resources Information Center

    Bisgaier, Joanna; Rhodes, Karin V.

    2011-01-01

    This article examines associations between cumulative adverse financial circumstances and patient health in a sample of 1,506 urban emergency department (ED) patients. Study participants completed a previously validated Social Health Survey between May and October 2009. Five categories of economic deprivation were studied: food insecurity, housing…

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

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Cirino, Anna Marie

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

  18. Comparative Financial Statistics for Public Community and Junior Colleges 1988-89.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Cirino, Anna Marie

    Comparative financial information, derived from two national surveys of 544 public community and junior colleges, is presented in this report for fiscal year 1988-89. Chapter 1 provides guidance on the use of the report to compare institutional statistics with national and peer group norms and points out the limitations of the data. Chapter 2…

  19. Comparative Financial Statistics for Public Community and Junior Colleges 1989-90.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Cirino, Anna Marie

    Comparative financial information, derived from two national surveys of 531 public community and junior colleges, is presented in this report for fiscal year 1989-90. Chapter 1 provides guidance on using the report to compare institutional statistics with national and peer group norms, and discusses limitations of the data. Chapter 2 summarizes…

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

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Meeker, Bradley

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

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

    ERIC Educational Resources Information Center

    Meeker, Bradley

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

  2. Comparative Financial Statistics for Public Community and Junior Colleges, 1987-88.

    ERIC Educational Resources Information Center

    Dickmeyer, Nathan; Cirino, Anna Marie

    Comparative financial information, derived from two national surveys of 559 public community and junior colleges, is presented in this report for fiscal year 1987-88. Chapter 1 provides guidance on the use of the report to compare institutional statistics with national and peer group norms and points out the limitations of the data. Chapter 2…

  3. State Insurance Parity Legislation for Autism Services and Family Financial Burden

    ERIC Educational Resources Information Center

    Parish, Susan; Thomas, Kathleen; Rose, Roderick; Kilany, Mona; McConville, Robert

    2012-01-01

    We examined the association between states' legislative mandates that private insurance cover autism services and the health care-related financial burden reported by families of children with autism. Child and family data were drawn from the National Survey of Children with Special Health Care Needs (N = 2,082 children with autism). State policy…

  4. State Medicaid Spending and Financial Burden of Families Raising Children with Autism

    ERIC Educational Resources Information Center

    Parish, Susan L.; Thomas, Kathleen C.; Rose, Roderick; Kilany, Mona; Shattuck, Paul T.

    2012-01-01

    We examined the association between state Medicaid spending for children with disabilities and the financial burden reported by families of children with autism. Child and family data were from the 2005-2006 National Survey of Children with Special Health Care Needs (n = 2,011 insured children with autism). State characteristics were from public…

  5. Surveying System

    NASA Technical Reports Server (NTRS)

    1988-01-01

    Sunrise Geodetic Surveys are setting up their equipment for a town survey. Their equipment differs from conventional surveying systems that employ transit rod and chain to measure angles and distances. They are using ISTAC Inc.'s Model 2002 positioning system, which offers fast accurate surveying with exceptional signals from orbiting satellites. The special utility of the ISTAC Model 2002 is that it can provide positioning of the highest accuracy from Navstar PPS signals because it requires no knowledge of secret codes. It operates by comparing the frequency and time phase of a Navstar signal arriving at one ISTAC receiver with the reception of the same set of signals by another receiver. Data is computer processed and translated into three dimensional position data - latitude, longitude and elevation.

  6. Geosat survey

    NASA Astrophysics Data System (ADS)

    The Geosat Committee, a nonprofit, educational organization dedicated to improving satellite remote sensing for geological applications, is surveying the international geological community to determine the most important areas of the world for the exploration of nonrenewable resources. The results of this survey, whose sources will be kept confidential, will be given as recommendations for early satellite-scene selection to the the U.S. government (via the National Oceanic and Atmospheric Administration) and to other countries with satellites or ground receiving stations.

  7. 75 FR 70940 - Notice of Proposed Information Collection for Public Comment: 2011 Rental Housing Finance Survey

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-19

    ... Finance Survey AGENCY: Office of the Assistant Secretary for Policy Development and Research, HUD. ACTION... Rental Housing Finance Survey. OMB Control Number: 0000-0000. Description of the need for the information and proposed use: The Rental Housing Finance Survey (RHFS) provides a measure of financial,...

  8. Data Mining for Financial Applications

    NASA Astrophysics Data System (ADS)

    Kovalerchuk, Boris; Vityaev, Evgenii

    This chapter describes Data Mining in finance by discussing financial tasks, specifics of methodologies and techniques in this Data Mining area. It includes time dependence, data selection, forecast horizon, measures of success, quality of patterns, hypothesis evaluation, problem ID, method profile, attribute-based and relational methodologies. The second part of the chapter discusses Data Mining models and practice in finance. It covers use of neural networks in portfolio management, design of interpretable trading rules and discovering money laundering schemes using decision rules and relational Data Mining methodology.

  9. December financial checkup for physicians.

    PubMed

    Miller, Rita

    2014-01-01

    December is a busy month for holiday fun, but don't neglect your financial health! Physicians should review their business and personal finances at year end to ensure they are on target both for income generated and taxes paid. Preparing for the April 15 tax filing is aided by a thorough review in December. Payroll items such as W2s, 1099s, and employee benefits need to be reviewed. Retirement savings should be analyzed. Make sure to look at your business profit/loss statement and balance sheet. Personal contributions and other tax planning strategies need to be completed by the end of the year. Your CPA can help!

  10. December financial checkup for physicians.

    PubMed

    Miller, Rita

    2014-01-01

    December is a busy month for holiday fun, but don't neglect your financial health! Physicians should review their business and personal finances at year end to ensure they are on target both for income generated and taxes paid. Preparing for the April 15 tax filing is aided by a thorough review in December. Payroll items such as W2s, 1099s, and employee benefits need to be reviewed. Retirement savings should be analyzed. Make sure to look at your business profit/loss statement and balance sheet. Personal contributions and other tax planning strategies need to be completed by the end of the year. Your CPA can help! PMID:25807615

  11. Two Essays in Financial Economics

    NASA Astrophysics Data System (ADS)

    Putnam, Kyle J.

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

  12. MATCHING IN INFORMAL FINANCIAL INSTITUTIONS

    PubMed Central

    Eeckhout, Jan; Munshi, Kaivan

    2013-01-01

    This paper analyzes an informal financial institution that brings heterogeneous agents together in groups. We analyze decentralized matching into these groups, and the equilibrium composition of participants that consequently arises. We find that participants sort remarkably well across the competing groups, and that they re-sort immediately following an unexpected exogenous regulatory change. These findings suggest that the competitive matching model might have applicability and bite in other settings where matching is an important equilibrium phenomenon. (JEL: O12, O17, G20, D40) PMID:24027491

  13. Authors’ Financial Relationships With the Food and Beverage Industry and Their Published Positions on the Fat Substitute Olestra

    PubMed Central

    Levine, Jane; Gussow, Joan Dye; Hastings, Diane; Eccher, Amy

    2003-01-01

    Objectives. This study examined the association between authors’ published positions on the safety and efficacy in assisting with weight loss of the Procter & Gamble (P&G) fat substitute olestra and their financial relationships with the food and beverage industry. Methods. Journal articles about olestra, and their authors, were classified as supportive, critical, or neutral with respect to its use. Authors not known to have industry affiliations were surveyed about their financial relationships. Results. Supportive authors were significantly more likely than critical or neutral authors to have financial relationships with P&G (80% vs 11% and 21%, respectively; P < .0001). All authors disclosing an affiliation with P&G were supportive. Conclusions. Because authors’ published opinions were associated with their financial relationships, obtaining noncommercial funding may be more essential to maintaining objectivity than disclosing personal financial interests. PMID:12660215

  14. Financial and organizational determinants of hospital diversification into subacute care.

    PubMed Central

    Wheeler, J R; Burkhardt, J; Alexander, J A; Magnus, S A

    1999-01-01

    OBJECTIVE: To examine the financial, market, and organizational determinants of hospital diversification into subacute inpatient care by acute care hospitals in order to guide hospital managers in undertaking such diversification efforts. STUDY SETTING: All nongovernment, general, acute care, community hospitals that were operating during the years 1985 through 1991 (3,986 hospitals in total). DATA SOURCES: Cross-sectional, time-series data were drawn from the American Hospital Association's (AHA) Annual Survey of Hospitals, the Health Care Financing Administration's (HCFA) Medicare Cost Reports, a latitude and longitude listing for all community hospital addresses, and the Area Resource File (ARF) published in 1992, which provides county level environmental variables. STUDY DESIGN: The study is longitudinal, enabling the specification of temporal patterns in conversion, causal inferences, and the treatment of right-censoring problems. The unit of analysis is the individual hospital. KEY FINDINGS: Significant differences were found in the average level of subacute care offered by investor-owned versus tax-exempt hospitals. After controlling for selection bias, financial performance, risk, size, occupancy, and other variables, IO hospitals offered 31.3 percent less subacute care than did NFP hospitals. Financial performance and risk are predictors of IO hospitals' diversification into subacute care, but not of NFP hospitals' activities in this market. Resource availability appears to expedite expansion into subacute care for both types of hospitals. CONCLUSIONS: Investment criteria and strategy differ between investor-owned and tax-exempt hospitals. PMID:10201852

  15. Organizational effectiveness and financial performance: a healthcare study.

    PubMed

    Minnis, William; Elmuti, Dean

    2008-01-01

    Many studies have been conducted on approaches to organizational effectiveness and financial performance in the healthcare industry. The purpose of this article is to study the Relationship Between Measures of Perceived Organizational Effectiveness and Actual Financial Performance in the Medical Group Practice Environment. The population in this study came from an annual survey of U.S. medical practices conducted by the Medical Group Managers Association (MGMA). The evaluation instruments developed are a composite of documented and currently active instruments, including components of organizational effectiveness, general demographics, locus of control, and constituent/environmental influences. Statistical analysis of data includes regression analysis and descriptive statistics measures. The three tested hypotheses in the study are not supported. However, the study does support an understanding of industry relationships and reinforces the findings of former studies. Additionally, a new level of confirmation is established indicating that even under greater levels of environmental control, perceived organizational effectiveness and actual financial performance has no significant relationship. This article provides a concise summary and update of a larger and more detailed body of work.

  16. Human Factors in Financial Trading

    PubMed Central

    Leaver, Meghan; Reader, Tom W.

    2016-01-01

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

  17. Managing financial risk with options on futures.

    PubMed

    Bond, M T; Marshall, B S

    1995-05-01

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

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

    PubMed

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

    2015-01-01

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

  19. The price of complexity in financial networks

    PubMed Central

    May, Robert M.; Roukny, Tarik; Stiglitz, Joseph E.

    2016-01-01

    Financial institutions form multilayer networks by engaging in contracts with each other and by holding exposures to common assets. As a result, the default probability of one institution depends on the default probability of all of the other institutions in the network. Here, we show how small errors on the knowledge of the network of contracts can lead to large errors in the probability of systemic defaults. From the point of view of financial regulators, our findings show that the complexity of financial networks may decrease the ability to mitigate systemic risk, and thus it may increase the social cost of financial crises. PMID:27555583

  20. Raising household saving: does financial education work?

    PubMed

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

    2012-01-01

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

  1. Does hospital financial performance measure up?

    PubMed

    Cleverley, W O; Harvey, R K

    1992-05-01

    Comparisons are continuously being made between the financial performance, products and services, of the healthcare industry and those of non-healthcare industries. Several useful measures of financial performance--profitability, liquidity, financial risk, asset management and replacement, and debt capacity, are used by the authors to compare the financial performance of the hospital industry with that of the industrial, transportation and utility sectors. Hospitals exhibit weaknesses in several areas. Goals are suggested for each measure to bring hospitals closer to competitive levels. PMID:10145625

  2. The price of complexity in financial networks.

    PubMed

    Battiston, Stefano; Caldarelli, Guido; May, Robert M; Roukny, Tarik; Stiglitz, Joseph E

    2016-09-01

    Financial institutions form multilayer networks by engaging in contracts with each other and by holding exposures to common assets. As a result, the default probability of one institution depends on the default probability of all of the other institutions in the network. Here, we show how small errors on the knowledge of the network of contracts can lead to large errors in the probability of systemic defaults. From the point of view of financial regulators, our findings show that the complexity of financial networks may decrease the ability to mitigate systemic risk, and thus it may increase the social cost of financial crises. PMID:27555583

  3. The price of complexity in financial networks

    NASA Astrophysics Data System (ADS)

    Battiston, Stefano; Caldarelli, Guido; May, Robert M.; Roukny, Tarik; Stiglitz, Joseph E.

    2016-09-01

    Financial institutions form multilayer networks by engaging in contracts with each other and by holding exposures to common assets. As a result, the default probability of one institution depends on the default probability of all of the other institutions in the network. Here, we show how small errors on the knowledge of the network of contracts can lead to large errors in the probability of systemic defaults. From the point of view of financial regulators, our findings show that the complexity of financial networks may decrease the ability to mitigate systemic risk, and thus it may increase the social cost of financial crises.

  4. A Theory of Hospital Financial Analysis

    PubMed Central

    Elnicki, Richard A.

    1969-01-01

    The problem of determining the financial status of a group of hospitals was posed by the Connecticut Regional Medical Program in 1967 with the question: Are Connecticut's general hospitals financially healthy? The economist assigned to explore the question here describes the economic concepts and the methodology from which models applicable to voluntary hospitals were developed, utilizing the accepted modes of analysis and standards of for-profit business. The basic index of financial health investigated is self-sufficiency, with plant liquidation, revenue control and the role of private payors, and cost control studied as factors affecting the financial status of hospitals. PMID:5799485

  5. The Effects of Nurse Staffing on Hospital Financial Performance: Competitive Versus Less Competitive Markets

    PubMed Central

    Everhart, Damian; Neff, Donna; Al-Amin, Mona; Nogle, June; Weech-Maldonado, Robert

    2013-01-01

    Background Hospitals facing financial uncertainty have sought to reduce nurse staffing as a way to increase profitability. However, nurse staffing has been found to be important in terms of quality of patient care and nursing related outcomes. Nurse staffing can provide a competitive advantage to hospitals and as a result better financial performance, particularly in more competitive markets Purpose In this study we build on the Resource-Based View of the Firm to determine the effect of nurse staffing on total profit margin in more competitive and less competitive hospital markets in Florida. Methodology/Approach By combining a Florida statewide nursing survey with the American Hospital Association Annual Survey and the Area Resource File, three separate multivariate linear regression models were conducted to determine the effect of nurse staffing on financial performance while accounting for market competitiveness. The analysis was limited to acute care hospitals. Findings Nurse staffing levels had a positive association with financial performance (β=3.3; p=0.02) in competitive hospital markets, but no significant association was found in less competitive hospital markets. Practice Implications Hospitals in more competitive hospital markets should reconsider reducing nursing staff, as these cost cutting measures may be inefficient and negatively affect financial performance. PMID:22543824

  6. Reliability of the modified child and adolescent physical activity and nutrition survey, physical activity (CAPANS-PA) questionnaire among chinese-australian youth

    PubMed Central

    2011-01-01

    Background Evidence suggests that differences exist in physical activity (PA) participation among Culturally and Linguistically Diverse (CALD) children and adolescents. It is possible that these differences could be influenced by variations in measurement technique and instrument reliability. However, culturally sensitive instruments for examining PA behaviour among CALD populations are lacking. This study tested the reliability of the Child and Adolescent Physical Activity and Nutrition Survey (CAPANS-PA) recall questionnaire among a sample of Chinese-Australian youth. Methods The psychometric property of the CAPANS-PA questionnaire was examined among a sample of 77 Chinese-Australian youth (aged 11 - 14 y) who completed the questionnaire twice within 7 days. Test-retest reliability of individual items and scales within the CAPANS-PA questionnaire was determined using Kappa statistics for categorical variables and intraclass correlation coefficients (ICC) for continuous variables. Results The CAPANS-PA questionnaire demonstrated acceptable test-retest reliability for frequency and duration of time spent in weekly Moderate to Vigorous Physical Activity (MVPA) (ICC ≥ 0.70) for all participants. Test-retest reliability for time spent in weekly sedentary activities was acceptable for females (ICC = 0.82) and males (ICC = 0.72). Conclusions The results suggest the CAPANS-PA questionnaire provides reliable estimates for type, frequency and duration of MVPA participation among Chinese-Australian youth. Further investigation into the reliability of the sedentary items within the CAPANS-PA is required before these items can be used with confidence. This study is novel in that the reliability of instruments among CALD groups nationally and internationally remains sparse and this study contributes to the wider body of available psychometrically tested instruments. In addition, this study is the first to our knowledge to successfully engage and investigate the basic health

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

    ERIC Educational Resources Information Center

    Bunnett, Nancy Hubbell

    1975-01-01

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

  8. Policies, Practices, and Procedures in Graduate Student Aid: A Report on the 1998 NASFAA SOGAPPP Survey.

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

    2000-01-01

    Reports on the 1998 Survey of Graduate Aid Policies, Practices, and Procedures (SOGAPPP) of the National Association of Student Financial Aid Administrators (NASFAA). Finds that professional programs at private institutions have highest tuitions; most students in professional programs receive financial aid; loans are the overwhelming type of aid…

  9. Farm Family Adaptations to Severe Economic Distress: Indiana. Results of the 1989 Regional Farm Survey.

    ERIC Educational Resources Information Center

    Barnard, Freddie L.

    During the farm crisis of the 1980s, many midwestern farm families suffered financial distress, but by 1989 an uneven financial recovery was under way. This report summarizes data collected from 337 Indiana farm operators (a 24% response rate) and 289 spouses (a 21% response rate) as part of a large survey conducted in 12 North Central states. The…

  10. Farm Family Adaptations to Severe Economic Distress: Michigan. Results of the 1989 Regional Farm Survey.

    ERIC Educational Resources Information Center

    Moser, Colletta H.; Vlasin, Raymond D.

    During the farm crisis of the 1980s, many midwestern farm families suffered financial distress, but by 1989 an uneven financial recovery was under way. This report summarizes data collected from 331 Michigan farm operators (a 33% response rate) and 319 spouses (a 31% response rate) as part of a large survey conducted in 12 North Central states.…

  11. Farm Family Adaptations to Severe Economic Distress: North Dakota. Results of the 1989 Regional Farm Survey.

    ERIC Educational Resources Information Center

    Ekstrom, Brenda L.; And Others

    During the farm crisis of the 1980s, many midwestern farm families suffered financial distress, but by 1989 an uneven financial recovery was under way. This report summaries data collected from 273 North Dakota farm operators (a 39% response) and 232 spouses (a 33% response) as part of a large survey conducted in 12 North Central states. The…

  12. Farm Family Adaptations to Severe Economic Distress: Ohio. Results of the 1989 Regional Farm Survey.

    ERIC Educational Resources Information Center

    Lobao, Linda; Meyer, Katherine

    During the farm crisis of the 1980s, many midwestern farm families suffered financial distress, but by 1989 an uneven financial recovery was under way. This report summarizes data collected from 388 Ohio farm operators (a 38.8% response rate) and 353 spouses as part of a large survey conducted in 12 North Central states. The purpose of the survey…

  13. Farm Family Adaptations to Severe Economic Distress: Kansas. Results of the 1989 Regional Farm Survey.

    ERIC Educational Resources Information Center

    Biere, Arlo

    During the farm crisis of the 1980s, many midwestern farm families suffered financial distress, but by 1989 an uneven financial recovery was under way. This report summarizes data collected from 342 Kansas farm operators (a 34% response rate) and 313 spouses (a 31% response rate) as part of a large survey conducted in 12 North Central states. The…

  14. Farm Family Adaptations to Severe Economic Distress: Wisconsin. Results of the 1989 Regional Farm Survey.

    ERIC Educational Resources Information Center

    Saupe, William E.; Eisenhauer, Janet

    During the farm crisis of the 1980s, many midwestern farm families suffered financial distress, but by 1989 an uneven financial recovery was under way. This report summarizes data collected from 622 Wisconsin farm operators (a 39% response rate) and 525 spouses as part of a large survey conducted in 12 North Central states. The purpose of the…

  15. Farm Family Adaptations to Severe Economic Distress: South Dakota. Results of the 1989 Regional Farm Survey.

    ERIC Educational Resources Information Center

    Stover, Ronald G.; Stover, Penny W.

    During the farm crisis of the 1980s, many midwestern farm families suffered financial distress, but by 1989 an uneven financial recovery was under way. This report summarizes data collected from 207 South Dakota farm operators (a 29.6% response) and 182 spouses (a 26% response) as part of large survey conducted in 12 North Central states. The…

  16. Farm Family Adaptations to Severe Economic Distress: Missouri. Results of the 1989 Regional Farm Survey.

    ERIC Educational Resources Information Center

    Hobbs, Daryl; Klein, Tanna

    During the farm crisis of the 1980s, many midwestern farm families suffered financial distress, but by 1989 an uneven financial recovery was under way. This report summarizes data collected from 192 Missouri farm operators (a 21% response rate) and 166 spouses (an 18% response rate) as part of a large survey conducted in 12 North Central states.…

  17. Farm Family Adaptations to Severe Economic Distress: Iowa. Results of the 1989 Regional Farm Survey.

    ERIC Educational Resources Information Center

    Lasley, Paul; Fellows, Jacqueline

    During the farm crisis of the 1980s, many midwestern farm families suffered financial distress, but by 1989 an uneven financial recovery was under way. This report summarizes data collected from 311 Iowa farm operators (a 31% response rate) and 288 spouses (a 29% response rate) as part of a large survey conducted in 12 North Central states. The…

  18. Health Care Infrastructure for Financially Sustainable Clinical Genomics.

    PubMed

    Lennerz, Jochen K; McLaughlin, Heather M; Baron, Jason M; Rasmussen, David; Sumbada Shin, Meini; Berners-Lee, Nancy; Miller Batten, Julie; Swoboda, Kathryn J; Gala, Manish K; Winter, Harland S; Schmahmann, Jeremy D; Sweetser, David A; Boswell, Marianne; Pacula, Maciej; Stenzinger, Albrecht; Le, Long P; Hynes, William; Rehm, Heidi L; Klibanski, Anne; Black-Schaffer, Stephen W; Golden, Jeffrey A; Louis, David N; Weiss, Scott T; Iafrate, A John

    2016-09-01

    Next-generation sequencing has evolved technically and economically into the method of choice for interrogating the genome in cancer and inherited disorders. The introduction of procedural code sets for whole-exome and genome sequencing is a milestone toward financially sustainable clinical implementation; however, achieving reimbursement is currently a major challenge. As part of a prospective quality-improvement initiative to implement the new code sets, we adopted Agile, a development methodology originally devised in software development. We implemented eight functionally distinct modules (request review, cost estimation, preauthorization, accessioning, prebilling, testing, reporting, and reimbursement consultation) and obtained feedback via an anonymous survey. We managed 50 clinical requests (January to June 2015). The fraction of pursued-to-requested cases (n = 15/50; utilization management fraction, 0.3) aimed for a high rate of preauthorizations. In 13 of 15 patients the insurance plan required preauthorization, which we obtained in 70% and ultimately achieved reimbursement in 50%. Interoperability enabled assessment of 12 different combinations of modules that underline the importance of an adaptive workflow and policy tailoring to achieve higher yields of reimbursement. The survey confirmed a positive attitude toward self-organizing teams. We acknowledge the individuals and their interactions and termed the infrastructure: human pipeline. Nontechnical barriers currently are limiting the scope and availability of clinical genomic sequencing. The presented human pipeline is one approach toward long-term financial sustainability of clinical genomics.

  19. Health Care Infrastructure for Financially Sustainable Clinical Genomics.

    PubMed

    Lennerz, Jochen K; McLaughlin, Heather M; Baron, Jason M; Rasmussen, David; Sumbada Shin, Meini; Berners-Lee, Nancy; Miller Batten, Julie; Swoboda, Kathryn J; Gala, Manish K; Winter, Harland S; Schmahmann, Jeremy D; Sweetser, David A; Boswell, Marianne; Pacula, Maciej; Stenzinger, Albrecht; Le, Long P; Hynes, William; Rehm, Heidi L; Klibanski, Anne; Black-Schaffer, Stephen W; Golden, Jeffrey A; Louis, David N; Weiss, Scott T; Iafrate, A John

    2016-09-01

    Next-generation sequencing has evolved technically and economically into the method of choice for interrogating the genome in cancer and inherited disorders. The introduction of procedural code sets for whole-exome and genome sequencing is a milestone toward financially sustainable clinical implementation; however, achieving reimbursement is currently a major challenge. As part of a prospective quality-improvement initiative to implement the new code sets, we adopted Agile, a development methodology originally devised in software development. We implemented eight functionally distinct modules (request review, cost estimation, preauthorization, accessioning, prebilling, testing, reporting, and reimbursement consultation) and obtained feedback via an anonymous survey. We managed 50 clinical requests (January to June 2015). The fraction of pursued-to-requested cases (n = 15/50; utilization management fraction, 0.3) aimed for a high rate of preauthorizations. In 13 of 15 patients the insurance plan required preauthorization, which we obtained in 70% and ultimately achieved reimbursement in 50%. Interoperability enabled assessment of 12 different combinations of modules that underline the importance of an adaptive workflow and policy tailoring to achieve higher yields of reimbursement. The survey confirmed a positive attitude toward self-organizing teams. We acknowledge the individuals and their interactions and termed the infrastructure: human pipeline. Nontechnical barriers currently are limiting the scope and availability of clinical genomic sequencing. The presented human pipeline is one approach toward long-term financial sustainability of clinical genomics. PMID:27471182

  20. A Road to Ruin. A Report on the Condition of Facilities at Illinois Community Colleges.

    ERIC Educational Resources Information Center

    Illinois Community Coll. Board, Springfield.

    In February 1992, a survey was conducted of all 50 public colleges in the Illinois Community College System (ICCS) to gather information pertinent to the condition of the colleges' physical plants, such as financial data for fiscal year (FY) 1991 and budget estimates for FY 1992. Results of the survey, based on responses from 42 of the colleges,…