Sample records for objectives financial situation

  1. Objectives of Financial Statements. Report of the Study Group on the Objectives of Financial Statements.

    ERIC Educational Resources Information Center

    American Inst. of Certified Public Accountants, New York, NY.

    This report discusses the objectives of financial statements. Emphasis is placed on the function of objectives; users, their goals, and their information needs; the primary enterprise goal and earning power; accountability and financial statements; financial statements--reporting on the goal attainment of business enterprises; financial…

  2. Health among Swedish employees and financial situation, education, and managerial responsibility: a longitudinal study.

    PubMed

    Runeson, Roma; Vingård, Eva; Lampa, Erik; Wahlstedt, Kurt

    2012-11-01

    The present study is part of a 3-year longitudinal study on work and health among employees in the public sector in Sweden. The aim was to study associations between self-rated health (SRH) and financial situation, education, and managerial responsibility. Of the 9003 employees, 7533 answered the baseline questionnaires (84%). Altogether 9373 subjects received the follow-up questionnaire, and 6617 subjects responded (71%). In total 4240 completed the questionnaire on both occasions, and this group comprised the study population. SRH consisted of the response to a single question: 'In general, would you say your health is excellent, very good, good, poor, or very poor?' The health was investigated in terms of the development of health status in the 3-year follow-up. The exposure factors were: financial situation, education, and managerial responsibility. Odds ratios were analysed using logistic regressions. Good financial situation and further education were predictors in maintaining good health and in avoiding poor health. The analysis also indicated the following determinants of sustained good SRH: having a good financial situation (OR 1.99 at baseline and OR 1.87 at follow-up), having a further education compared to lower education (OR 1.17 at baseline), and not having a worsening financial situation between baseline and follow-up (OR 0.53). Financial situation and educational level were important factors that influence the subjective perception of health.

  3. The Objective of Financial Reporting.

    ERIC Educational Resources Information Center

    Schermann, Kenneth R.

    1986-01-01

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

  4. Health Care Financial Management: Curriculum Objectives and Bibliography.

    ERIC Educational Resources Information Center

    Zelman, William N., Ed.; And Others

    Curriculum objectives for health care financial management, a bibliography and examples of financial management curricula are presented. The outline of curriculum objectives identifies a core of knowledge and skills in financial management that health administration students might obtain in their academic training. The outline's content is divided…

  5. Fathers' views on their financial situations, father-child activities, and preventing child injuries.

    PubMed

    Olsen, Lise L; Oliffe, John L; Brussoni, Mariana; Creighton, Genevieve

    2015-01-01

    Unintentional injuries are a leading public health problem for children, particularly among those living at lower socioeconomic levels. Parents play an important preventive role, and the aim of this study was to examine fathers' views on the role of their family financial situation in preventing children's injuries. In-depth interviews were conducted with 15 fathers of children 2 to 7 years living in western Canada. Questions solicited fathers' views about their financial situation and their child injury prevention efforts. Data analysis was underpinned by masculinity theory and guided by constant comparative grounded theory methods. Findings included that fathers living with fewer financial limitations emphasized use of safety equipment and aligned themselves with provider and protector masculine ideals. Fathers with moderate financial constraint described more child-centered safety efforts and efforts to manage finances. Those facing greatest constraint demonstrated aspects of marginalized masculinities, whereby they acknowledged their economic provider limitations while strongly aligning with the protector role. These findings hold relevance for development of interventions aimed at reducing child injury risk inequities. Taking into account how masculinities may shape their beliefs and practices can inform design of father-centered interventions for men living at different points on the socioeconomic spectrum. © The Author(s) 2013.

  6. Objective evaluation of situation awareness for dynamic decision makers in teleoperations

    NASA Technical Reports Server (NTRS)

    Endsley, Mica R.

    1991-01-01

    Situation awareness, a current mental mode of the environment, is critical to the ability of operators to perform complex and dynamic tasks. This should be particularly true for teleoperators, who are separated from the situation they need to be aware of. The design of the man-machine interface must be guided by the goal of maintaining and enhancing situation awareness. The objective of this work has been to build a foundation upon which research in the area can proceed. A model of dynamic human decision making which is inclusive of situation awareness will be presented, along with a definition of situation awareness. A method for measuring situation awareness will also be presented as a tool for evaluating design concepts. The Situation Awareness Global Assessment Technique (SAGAT) is an objective measure of situation awareness originally developed for the fighter cockpit environment. The results of SAGAT validation efforts will be presented. Implications of this research for teleoperators and other operators of dynamic systems will be discussed.

  7. Toward Self-Referential Autonomous Learning of Object and Situation Models.

    PubMed

    Damerow, Florian; Knoblauch, Andreas; Körner, Ursula; Eggert, Julian; Körner, Edgar

    2016-01-01

    Most current approaches to scene understanding lack the capability to adapt object and situation models to behavioral needs not anticipated by the human system designer. Here, we give a detailed description of a system architecture for self-referential autonomous learning which enables the refinement of object and situation models during operation in order to optimize behavior. This includes structural learning of hierarchical models for situations and behaviors that is triggered by a mismatch between expected and actual action outcome. Besides proposing architectural concepts, we also describe a first implementation of our system within a simulated traffic scenario to demonstrate the feasibility of our approach.

  8. Health, work, social trust, and financial situation in persons with Usher syndrome type 1.

    PubMed

    Ehn, Mattias; Wahlqvist, Moa; Danermark, Berth; Dahlström, Örjan; Möller, Claes

    2018-05-28

    Research has demonstrated that persons with Usher syndrome type 1 (USH1) have significantly poorer physical and psychological health compared to a reference group. To explore the relation between work, health, social trust, and financial situation in USH1 compared to a reference group. Sixty-six persons (18-65 y) from the Swedish Usher database received a questionnaire and 47 were included, 23 working and 24 non-working. The reference group comprised 3,049 working and 198 non-working persons. The Swedish Health on Equal Terms questionnaire was used and statistical analysis with multiple logistic regression was conducted. The USH1 non-work group had a higher Odds ratio (95% CI) in poor psychological and physical health, social trust, and financial situation compared to the USH1 work group and reference groups. Age, gender, hearing, and vision impairment did not explain the differences. The relation between the USH1 work and non-work groups showed the same pattern as the reference groups, but the magnitude of problems was significantly higher. Both disability and unemployment increased the risk of poor health, social trust and financial situation in persons with USH1, but having an employment seemed to counteract the risks related to disability.

  9. Location of geographical objects in crisis situations

    NASA Astrophysics Data System (ADS)

    Rybansky, M.; Kratochvil, V.

    2014-02-01

    This article summarizes the various expressions of object positioning using different coordinate data and different methods, such as use of maps, exploiting the properties of digital Global System for Mobile Communications (GSM) networks, Global Navigational Satellite Systems (GNSS), Inertial Navigation Systems (INS), Inertial Measurement Systems (IMS), hybrid methods and non-contact (remote sensing) methods; all with varying level of accuracy. Furthermore, the article describes some geographical identifiers and verbal means to describe location of geographical objects such as settlements, rivers, forest, roads, etc. All of the location methods have some advantages and disadvantages, especially in emergency situations, when usually the crisis management has a lack of time in a decision process.

  10. Creating Affording Situations: Coaching through Animate Objects

    PubMed Central

    Khattab, Ahmad; Russell, Martin; Hermsdörfer, Joachim; Wing, Alan

    2017-01-01

    We explore the ways in which animate objects can be used to cue actions as part of coaching in Activities of Daily Living (ADL). In this case, changing the appearance or behavior of a physical object is intended to cue actions which are appropriate for a given context. The context is defined by the intention of the users, the state of the objects and the tasks for which these objects can be used. We present initial design prototypes and simple user trials which explore the impact of different cues on activity. It is shown that raising the handle of a jug, for example, not only cues the act of picking up the jug but also encourages use of the hand adjacent to the handle; that combinations of lights (on the objects) and auditory cues influence activity through reducing uncertainty; and that cueing can challenge pre-learned action sequences. We interpret these results in terms of the idea that the animate objects can be used to create affording situations, and discuss implications of this work to support relearning of ADL following brain damage or injury, such as might arise following a stroke. PMID:29019939

  11. Creating Affording Situations: Coaching through Animate Objects.

    PubMed

    Baber, Chris; Khattab, Ahmad; Russell, Martin; Hermsdörfer, Joachim; Wing, Alan

    2017-10-11

    We explore the ways in which animate objects can be used to cue actions as part of coaching in Activities of Daily Living (ADL). In this case, changing the appearance or behavior of a physical object is intended to cue actions which are appropriate for a given context. The context is defined by the intention of the users, the state of the objects and the tasks for which these objects can be used. We present initial design prototypes and simple user trials which explore the impact of different cues on activity. It is shown that raising the handle of a jug, for example, not only cues the act of picking up the jug but also encourages use of the hand adjacent to the handle; that combinations of lights (on the objects) and auditory cues influence activity through reducing uncertainty; and that cueing can challenge pre-learned action sequences. We interpret these results in terms of the idea that the animate objects can be used to create affording situations, and discuss implications of this work to support relearning of ADL following brain damage or injury, such as might arise following a stroke.

  12. How People's Motivational System and Situational Motivation Influence Their Risky Financial Choices

    PubMed Central

    Sekścińska, Katarzyna; Maison, Dominika Agnieszka; Trzcińska, Agata

    2016-01-01

    People's preferences for risks have been a subject of interest to researchers in both the economy and psychology fields over the last few years. This has given rise to many important findings about the role of psychological factors that influence people's choices. The presented studies focused on the role of motivational systems (described by Higgins in the Regulatory Focus Theory) in explaining people's financial choices. The main goal was to examine the relationship between people's chronic promotion and prevention motivational system and their propensity to (1) invest, (2) undertake investment risks, and (3) assume financial risks in gambling tasks in both the gain and loss decision-making frame. Moreover, we aimed to investigate how chronic motivational systems confronted with situationally induced promotion and prevention motivation would affect people's propensity to invest and embrace financial risks. Two CAWI studies on a Polish national representative sample (N1 = 1093; N2 = 1096) were conducted. The second study consisted of two waves with a 2-week break. The studies provided evidence of higher chronic promotion motivation as well as higher prevention motivation associated with the propensity to invest; however, induced promotion motivation results in a lower propensity to invest compared to induced prevention motivation. Participants with an activated promotion system built more risky portfolios than individuals with an induced prevention system. Moreover, participants with a low chronic promotion system built more risky portfolios than individuals with a high promotion motivation system as long as their prevention system was also low. In terms of gambling decisions in both the gain and loss frame, a higher level of chronic promotion motivation and situationally induced promotion motivation were related to the preference for the non-sure option over the sure one. PMID:27630611

  13. How People's Motivational System and Situational Motivation Influence Their Risky Financial Choices.

    PubMed

    Sekścińska, Katarzyna; Maison, Dominika Agnieszka; Trzcińska, Agata

    2016-01-01

    People's preferences for risks have been a subject of interest to researchers in both the economy and psychology fields over the last few years. This has given rise to many important findings about the role of psychological factors that influence people's choices. The presented studies focused on the role of motivational systems (described by Higgins in the Regulatory Focus Theory) in explaining people's financial choices. The main goal was to examine the relationship between people's chronic promotion and prevention motivational system and their propensity to (1) invest, (2) undertake investment risks, and (3) assume financial risks in gambling tasks in both the gain and loss decision-making frame. Moreover, we aimed to investigate how chronic motivational systems confronted with situationally induced promotion and prevention motivation would affect people's propensity to invest and embrace financial risks. Two CAWI studies on a Polish national representative sample (N 1 = 1093; N 2 = 1096) were conducted. The second study consisted of two waves with a 2-week break. The studies provided evidence of higher chronic promotion motivation as well as higher prevention motivation associated with the propensity to invest; however, induced promotion motivation results in a lower propensity to invest compared to induced prevention motivation. Participants with an activated promotion system built more risky portfolios than individuals with an induced prevention system. Moreover, participants with a low chronic promotion system built more risky portfolios than individuals with a high promotion motivation system as long as their prevention system was also low. In terms of gambling decisions in both the gain and loss frame, a higher level of chronic promotion motivation and situationally induced promotion motivation were related to the preference for the non-sure option over the sure one.

  14. Learning Object Names at Different Hierarchical Levels Using Cross-Situational Statistics

    ERIC Educational Resources Information Center

    Chen, Chi-hsin; Zhang, Yayun; Yu, Chen

    2018-01-01

    Objects in the world usually have names at different hierarchical levels (e.g., "beagle," "dog," "animal"). This research investigates adults' ability to use cross-situational statistics to simultaneously learn object labels at individual and category levels. The results revealed that adults were able to use…

  15. Keep away from danger: dangerous objects in dynamic and static situations.

    PubMed

    Anelli, Filomena; Nicoletti, Roberto; Bolzani, Roberto; Borghi, Anna M

    2013-01-01

    Behavioral and neuroscience studies have shown that objects observation evokes specific affordances (i.e., action possibilities) and motor responses. Recent findings provide evidence that even dangerous objects can modulate the motor system evoking aversive affordances. This sounds intriguing since so far the majority of behavioral, brain imaging, and transcranial magnetic stimulation studies with painful and dangerous stimuli strictly concerned the domain of pain, with the exception of evidence suggesting sensitivity to objects' affordances when neutral objects are located in participants' peripersonal space. This study investigates whether the observation of a neutral or dangerous object in a static or dynamic situation differently influences motor responses, and the time-course of the dangerous objects' processing. In three experiments we manipulated: object dangerousness (neutral vs. dangerous); object category (artifact vs. natural); manual response typology (press vs. release a key); object presentation (Experiment 1: dynamic, Experiments 2 and 3: static); object movement direction (Experiment 1: away vs. toward the participant) or size (Experiments 2 and 3: big vs. normal vs. small). The task required participants to decide whether the object was an artifact or a natural object, by pressing or releasing one key. Results showed a facilitation for neutral over dangerous objects in the static situation, probably due to an affordance effect. Instead, in the dynamic condition responses were modulated by the object movement direction, with a dynamic affordance effect elicited by neutral objects and an escape-avoidance effect provoked by dangerous objects (neutral objects were processed faster when they moved toward-approached the participant, whereas dangerous objects were processed faster when they moved away from the participant). Moreover, static stimuli influenced the manual response typology. These data indicate the emergence of dynamic affordance and

  16. Keep Away from Danger: Dangerous Objects in Dynamic and Static Situations

    PubMed Central

    Anelli, Filomena; Nicoletti, Roberto; Bolzani, Roberto; Borghi, Anna M.

    2013-01-01

    Behavioral and neuroscience studies have shown that objects observation evokes specific affordances (i.e., action possibilities) and motor responses. Recent findings provide evidence that even dangerous objects can modulate the motor system evoking aversive affordances. This sounds intriguing since so far the majority of behavioral, brain imaging, and transcranial magnetic stimulation studies with painful and dangerous stimuli strictly concerned the domain of pain, with the exception of evidence suggesting sensitivity to objects’ affordances when neutral objects are located in participants’ peripersonal space. This study investigates whether the observation of a neutral or dangerous object in a static or dynamic situation differently influences motor responses, and the time-course of the dangerous objects’ processing. In three experiments we manipulated: object dangerousness (neutral vs. dangerous); object category (artifact vs. natural); manual response typology (press vs. release a key); object presentation (Experiment 1: dynamic, Experiments 2 and 3: static); object movement direction (Experiment 1: away vs. toward the participant) or size (Experiments 2 and 3: big vs. normal vs. small). The task required participants to decide whether the object was an artifact or a natural object, by pressing or releasing one key. Results showed a facilitation for neutral over dangerous objects in the static situation, probably due to an affordance effect. Instead, in the dynamic condition responses were modulated by the object movement direction, with a dynamic affordance effect elicited by neutral objects and an escape-avoidance effect provoked by dangerous objects (neutral objects were processed faster when they moved toward-approached the participant, whereas dangerous objects were processed faster when they moved away from the participant). Moreover, static stimuli influenced the manual response typology. These data indicate the emergence of dynamic affordance and

  17. Assessing College Student Subjective and Objective Knowledge in an Online Financial Education Program

    ERIC Educational Resources Information Center

    Bowles, Charity

    2017-01-01

    Purpose: This purpose of this correlational study using Joo's (2008) financial wellness framework was to determine the impact of an online financial literacy workshop on student subjective knowledge, dependent on indicators of stress, behavior, and objective knowledge, when controlling for demographic differences at a large public university.…

  18. The Role of Cash Flow in Financial Early Warning of Agricultural Enterprises Based on Logistic Model

    NASA Astrophysics Data System (ADS)

    Sun, Fengru

    2018-01-01

    This paper chooses the agricultural listed companies as the research object, compares the financial situation of the enterprise and the theory of financial early warning, combines the financial status of the agricultural listed companies, selects the relevant cash flow indicators, discusses the application of the Logistic financial early warning model in the agricultural listed companies, Agricultural enterprises get better development. Research on financial early warning of agricultural listed companies will help the agricultural listed companies to predict the financial crisis. Financial early warning model is simple to establish, operational and strong, the use of financial early warning model, to help enterprises in the financial crisis before taking rapid and effective measures, which can avoid losses. Help enterprises to discover signs of deterioration of the financial situation in time to maintain the sustainable development of agricultural enterprises. In addition, through the financial early warning model, investors can correctly identify the financial situation of agricultural enterprises, and can evaluate the financial situation of agricultural enterprises and to help investors to invest in scientific and rational, beneficial to investors to analyze the safety of investment. But also help the relevant regulatory agencies to effectively monitor the market and promote the healthy and stable development of the market.

  19. Learning Object Names at Different Hierarchical Levels Using Cross-Situational Statistics.

    PubMed

    Chen, Chi-Hsin; Zhang, Yayun; Yu, Chen

    2018-05-01

    Objects in the world usually have names at different hierarchical levels (e.g., beagle, dog, animal). This research investigates adults' ability to use cross-situational statistics to simultaneously learn object labels at individual and category levels. The results revealed that adults were able to use co-occurrence information to learn hierarchical labels in contexts where the labels for individual objects and labels for categories were presented in completely separated blocks, in interleaved blocks, or mixed in the same trial. Temporal presentation schedules significantly affected the learning of individual object labels, but not the learning of category labels. Learners' subsequent generalization of category labels indicated sensitivity to the structure of statistical input. Copyright © 2017 Cognitive Science Society, Inc.

  20. Perceived financial difficulties and maladjustment outcomes in adolescence.

    PubMed

    Fröjd, Sari; Marttunen, Mauri; Pelkonen, Mirjami; von der Pahlen, Bettina; Kaltiala-Heino, Riittakerttu

    2006-10-01

    Studies using traditional SES indicators in strictly adolescent populations have usually failed to find class differences in adolescent mental health. The present study aimed to find out whether there is an association between adolescent perceived financial difficulties of the family and adolescent maladjustment, and to explore the possible sex differences in this association. School-based survey on 3278 ninth grade students (15-16 years old) in two economically well developed Finnish cities. One-fifth of the adolescents reported that their family had financial difficulties in the previous 12 months. Perceiving financial difficulties was significantly more common among girls than boys. Perceived financial difficulties were associated with known risk factors of poverty and with depression and harmful drinking patterns in both sexes. Adjusting for parental educational levels, parental unemployment and family structure did not change the significant association with maladjustment outcomes. Additional adjustment with comorbidity, however, levelled out the significance of the association of perceived financial difficulties and harmful drinking patterns in boys. While adolescent perception of financial difficulties is probably associated with the objective financial situation of the family it may also be an indicator of the psychological meaning attached to the situation and should thus be considered a possible risk factor for adolescent maladjustment in clinical practice.

  1. Objective measures of situation awareness in a simulated medical environment

    PubMed Central

    Wright, M; Taekman, J; Endsley, M

    2004-01-01

    One major limitation in the use of human patient simulators is a lack of objective, validated measures of human performance. Objective measures are necessary if simulators are to be used to evaluate the skills and training of medical practitioners and teams or to evaluate the impact of new processes or equipment design on overall system performance. Situation awareness (SA) refers to a person's perception and understanding of their dynamic environment. This awareness and comprehension is critical in making correct decisions that ultimately lead to correct actions in medical care settings. An objective measure of SA may be more sensitive and diagnostic than traditional performance measures. This paper reviews a theory of SA and discusses the methods required for developing an objective measure of SA within the context of a simulated medical environment. Analysis and interpretation of SA data for both individual and team performance in health care are also presented. PMID:15465958

  2. Parental employment status and adolescents' health: the role of financial situation, parent-adolescent relationship and adolescents' resilience.

    PubMed

    Bacikova-Sleskova, Maria; Benka, Jozef; Orosova, Olga

    2015-01-01

    The paper deals with parental employment status and its relationship to adolescents' self-reported health. It studies the role of the financial situation, parent-adolescent relationship and adolescent resilience in the relationship between parental employment status and adolescents' self-rated health, vitality and mental health. Multiple regression analyses were used to analyse questionnaire data obtained from 2799 adolescents (mean age 14.3) in 2006. The results show a negative association of the father's, but not mother's unemployment or non-employment with adolescents' health. Regression analyses showed that neither financial strain nor a poor parent-adolescent relationship or a low score in resilience accounted for the relationship between the father's unemployment or non-employment and poorer adolescent health. Furthermore, resilience did not work as a buffer against the negative impact of fathers' unemployment on adolescents' health.

  3. Financial capacity in older adults: a growing concern for clinicians.

    PubMed

    Gardiner, Paul A; Byrne, Gerard J; Mitchell, Leander K; Pachana, Nancy A

    2015-02-02

    Older people with cognitive impairment and/or dementia may be particularly vulnerable to diminished financial decision-making capacity. Financial capacity refers to the ability to satisfactorily manage one's financial affairs in a manner consistent with personal self-interest and values. Impairment of financial capacity makes the older individual vulnerable to financial exploitation, may negatively affect their family's financial situation and places strain on relationships within the family. Clinicians are often on the front line of responding to queries regarding decision-making capacity, and clinical evaluation options are often not well understood. Assessment of financial capacity should include formal objective assessment in addition to a clinical interview and gathering contextual data. Development of a flexible, empirically supported and clinically relevant assessment approach that spans all dimensions of financial capacity yet is simple enough to be used by non-specialist clinicians is needed.

  4. The company objects keep: Linking referents together during cross-situational word learning.

    PubMed

    Zettersten, Martin; Wojcik, Erica; Benitez, Viridiana L; Saffran, Jenny

    2018-04-01

    Learning the meanings of words involves not only linking individual words to referents but also building a network of connections among entities in the world, concepts, and words. Previous studies reveal that infants and adults track the statistical co-occurrence of labels and objects across multiple ambiguous training instances to learn words. However, it is less clear whether, given distributional or attentional cues, learners also encode associations amongst the novel objects. We investigated the consequences of two types of cues that highlighted object-object links in a cross-situational word learning task: distributional structure - how frequently the referents of novel words occurred together - and visual context - whether the referents were seen on matching backgrounds. Across three experiments, we found that in addition to learning novel words, adults formed connections between frequently co-occurring objects. These findings indicate that learners exploit statistical regularities to form multiple types of associations during word learning.

  5. Financial reporting.

    PubMed

    Bachrach, D J; Farrell, N L

    1985-01-01

    "How are we doing?" Financial reports must provide the answer to this all-important question for every medical group. Although there are some key differences between academic practices and private group practices, good financial reports and statements of activity are essential in all situations. Examples are provided here of how financial information can be communicated to the several organizational levels that need the information, as well as how financial planning, measurement, and control are part of this communication process. Sample formats outline the important ingredients for making your group's reports more useful.

  6. Situational awareness within objective structured clinical examination stations in undergraduate medical training - a literature search.

    PubMed

    Fischer, Markus A; Kennedy, Kieran M; Durning, Steven; Schijven, Marlies P; Ker, Jean; O'Connor, Paul; Doherty, Eva; Kropmans, Thomas J B

    2017-12-21

    Medical students may not be able to identify the essential elements of situational awareness (SA) necessary for clinical reasoning. Recent studies suggest that students have little insight into cognitive processing and SA in clinical scenarios. Objective Structured Clinical Examinations (OSCEs) could be used to assess certain elements of situational awareness. The purpose of this paper is to review the literature with a view to identifying whether levels of SA based on Endsley's model can be assessed utilising OSCEs during undergraduate medical training. A systematic search was performed pertaining to SA and OSCEs, to identify studies published between January 1975 (first paper describing an OSCE) and February 2017, in peer reviewed international journals published in English. PUBMED, EMBASE, PsycINFO Ovid and SCOPUS were searched for papers that described the assessment of SA using OSCEs among undergraduate medical students. Key search terms included "objective structured clinical examination", "objective structured clinical assessment" or "OSCE" and "non-technical skills", "sense-making", "clinical reasoning", "perception", "comprehension", "projection", "situation awareness", "situational awareness" and "situation assessment". Boolean operators (AND, OR) were used as conjunctions to narrow the search strategy, resulting in the limitation of papers relevant to the research interest. Areas of interest were elements of SA that can be assessed by these examinations. The initial search of the literature retrieved 1127 publications. Upon removal of duplicates and papers relating to nursing, paramedical disciplines, pharmacy and veterinary education by title, abstract or full text, 11 articles were eligible for inclusion as related to the assessment of elements of SA in undergraduate medical students. Review of the literature suggests that whole-task OSCEs enable the evaluation of SA associated with clinical reasoning skills. If they address the levels of SA, these

  7. 49 CFR Appendix B to Part 21 - Activities to Which This Part Applies When a Primary Objective of the Federal Financial...

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Primary Objective of the Federal Financial Assistance Is To Provide Employment B Appendix B to Part 21... DEPARTMENT OF TRANSPORTATION-EFFECTUATION OF TITLE VI OF THE CIVIL RIGHTS ACT OF 1964 Pt. 21, App. B Appendix B to Part 21—Activities to Which This Part Applies When a Primary Objective of the Federal Financial...

  8. Objective Situation Awareness Measurement Based on Performance Self-Evaluation

    NASA Technical Reports Server (NTRS)

    DeMaio, Joe

    1998-01-01

    The research was conducted in support of the NASA Safe All-Weather Flight Operations for Rotorcraft (SAFOR) program. The purpose of the work was to investigate the utility of two measurement tools developed by the British Defense Evaluation Research Agency. These tools were a subjective workload assessment scale, the DRA Workload Scale and a situation awareness measurement tool. The situation awareness tool uses a comparison of the crew's self-evaluation of performance against actual performance in order to determine what information the crew attended to during the performance. These two measurement tools were evaluated in the context of a test of innovative approach to alerting the crew by way of a helmet mounted display. The situation assessment data are reported here. The performance self-evaluation metric of situation awareness was found to be highly effective. It was used to evaluate situation awareness on a tank reconnaissance task, a tactical navigation task, and a stylized task used to evaluated handling qualities. Using the self-evaluation metric, it was possible to evaluate situation awareness, without exact knowledge the relevant information in some cases and to identify information to which the crew attended or failed to attend in others.

  9. A Study on Re-entry Predictions of Uncontrolled Space Objects for Space Situational Awareness

    NASA Astrophysics Data System (ADS)

    Choi, Eun-Jung; Cho, Sungki; Lee, Deok-Jin; Kim, Siwoo; Jo, Jung Hyun

    2017-12-01

    The key risk analysis technologies for the re-entry of space objects into Earth’s atmosphere are divided into four categories: cataloguing and databases of the re-entry of space objects, lifetime and re-entry trajectory predictions, break-up models after re-entry and multiple debris distribution predictions, and ground impact probability models. In this study, we focused on re- entry prediction, including orbital lifetime assessments, for space situational awareness systems. Re-entry predictions are very difficult and are affected by various sources of uncertainty. In particular, during uncontrolled re-entry, large spacecraft may break into several pieces of debris, and the surviving fragments can be a significant hazard for persons and properties on the ground. In recent years, specific methods and procedures have been developed to provide clear information for predicting and analyzing the re-entry of space objects and for ground-risk assessments. Representative tools include object reentry survival analysis tool (ORSAT) and debris assessment software (DAS) developed by National Aeronautics and Space Administration (NASA), spacecraft atmospheric re-entry and aerothermal break-up (SCARAB) and debris risk assessment and mitigation analysis (DRAMA) developed by European Space Agency (ESA), and semi-analytic tool for end of life analysis (STELA) developed by Centre National d’Etudes Spatiales (CNES). In this study, various surveys of existing re-entry space objects are reviewed, and an efficient re-entry prediction technique is suggested based on STELA, the life-cycle analysis tool for satellites, and DRAMA, a re-entry analysis tool. To verify the proposed method, the re-entry of the Tiangong-1 Space Lab, which is expected to re-enter Earth’s atmosphere shortly, was simulated. Eventually, these results will provide a basis for space situational awareness risk analyses of the re-entry of space objects.

  10. The association between objective income and subjective financial need and depressive symptoms in South Koreans aged 60 and older.

    PubMed

    Kim, Woorim; Kim, Tae Hyun; Lee, Tae-Hoon; Ju, Yeong Jun; Park, Eun-Cheol

    2017-11-01

    This study aimed to investigate the effect of the gap between objective income and subjective financial need on depressive symptoms in individuals aged 60 and older. Data from the 2011 and 2013 Korean Retirement and Income Study were used. A total of 4891 individuals aged 60 and older were included at baseline. The Generalized Estimating Equation model was used to examine the association between the gap in objective income and subjective financial need and the presence of depressive symptoms, which were measured using the Center for Epidemiological Studies Depression Scale. Compared to individuals in the middle objective income-middle subjective financial need group, individuals in the low-low category (odds ratio (OR): 1.30, 95% confidence interval (CI): 1.04-1.61) and the low-middle category (OR: 1.26, 95%CI: 1.09-1.45) showed a statistically significant higher likelihood of having depressive symptoms. In contrast, participants in the middle-low (OR: 0.74, 95%CI: 0.54-0.99), high-low (OR: 0.50, 95%CI: 0.34-0.73), high-middle (OR: 0.74, 95%CI: 0.63-0.87), and high-high categories (OR: 0.74, 95%CI: 0.55-0.99) were less likely to exhibit depressive symptoms. Additionally, the lower likelihood of depressive symptoms found in middle- and high-income groups with lower levels of subjective financial need was strong among individuals with chronic disease. Differences in the prevalence of depressive symptoms generally exist between individuals of the same income category depending on perceived income adequacy. Therefore, it is important to consider discrepancies in objective income and subjective financial need when assessing risk factors for depressive symptoms in older populations. © 2017 Japanese Psychogeriatric Society.

  11. [Analysis of financial statements of Japanese private hospitals (1982-1991)].

    PubMed

    Matsuda, S; Murata, H

    1996-06-01

    In order to clarify the financial situation of Japanese private hospitals, the financial statements provided by the Social Welfare and Medical Service Corporation were analyzed for the period from 1982 to 1991. The results clarified the low growth rate and low profitability of the Japanese private hospitals, although their financial situation was relatively stable. However, the efficiency of cost has been stalled in recent years and profitability has been declining due to the low turnover rate of capital. According to the CVP analysis, the Profit volume ratio of the investigated hospitals has been increased to the level of 95%. This situation means that, in the current financial situation, more than half of the Japanese private hospitals will go into the red if revenue declines 5% due to some short term change in the managerial environment.

  12. How Object, Situation and Personality Shape Human Attitude in Learning: An Activity Perspective and a Multilevel Modeling Approach

    ERIC Educational Resources Information Center

    Sun, Jun

    2009-01-01

    Based on Activity Theory, this article examines attitude formation in human learning as shaped by the experiences of individual learners with various learning objects in particular learning contexts. It hypothesizes that a learner's object-related perceptions, personality traits and situational perceptions may have different relationships with the…

  13. 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

  14. 45 CFR Appendix B to Part 1203 - Federal Financial Assistance to Which This Part Applies When a Primary Objective of the Federal...

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 45 Public Welfare 4 2013-10-01 2013-10-01 false Federal Financial Assistance to Which This Part Applies When a Primary Objective of the Federal Financial Assistance Is To Provide Employment B Appendix B... THE CIVIL RIGHTS ACT OF 1964 Pt. 1203, App. B Appendix B to Part 1203—Federal Financial Assistance to...

  15. 45 CFR Appendix B to Part 1203 - Federal Financial Assistance to Which This Part Applies When a Primary Objective of the Federal...

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 45 Public Welfare 4 2014-10-01 2014-10-01 false Federal Financial Assistance to Which This Part Applies When a Primary Objective of the Federal Financial Assistance Is To Provide Employment B Appendix B... THE CIVIL RIGHTS ACT OF 1964 Pt. 1203, App. B Appendix B to Part 1203—Federal Financial Assistance to...

  16. 45 CFR Appendix B to Part 1203 - Federal Financial Assistance to Which This Part Applies When a Primary Objective of the Federal...

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 45 Public Welfare 4 2011-10-01 2011-10-01 false Federal Financial Assistance to Which This Part Applies When a Primary Objective of the Federal Financial Assistance Is To Provide Employment B Appendix B... THE CIVIL RIGHTS ACT OF 1964 Pt. 1203, App. B Appendix B to Part 1203—Federal Financial Assistance to...

  17. Assessing College Student Needs for Comprehensive Financial Counseling

    ERIC Educational Resources Information Center

    Choi, Shinae; Gudmunson, Clinton G.; Griesdorn, Timothy S.; Hong, Gong-Soog

    2016-01-01

    To meet college student needs for financial counseling, it is important to assess why they seek counseling and the extent to which differing financial situations are tied to financial stress. This study examined these issues with a sample of 554 college students who participated in financial counseling and found financial problems in various…

  18. Financial Decision-making Abilities and Financial Exploitation in Older African Americans: Preliminary Validity Evidence for the Lichtenberg Financial Decision Rating Scale (LFDRS)

    PubMed Central

    Ficker, Lisa J.; Rahman-Filipiak, Annalise

    2015-01-01

    This study examines preliminary evidence for the Lichtenberg Financial Decision Rating Scale (LFDRS), a new person-centered approach to assessing capacity to make financial decisions, and its relationship to self-reported cases of financial exploitation in 69 older African Americans. More than one third of individuals reporting financial exploitation also had questionable decisional abilities. Overall, decisional ability score and current decision total were significantly associated with cognitive screening test and financial ability scores, demonstrating good criterion validity. Financially exploited individuals, and non-exploited individuals, showed mean group differences on the Mini Mental State Exam, Financial Situational Awareness, Psychological Vulnerability, Current Decisional Ability, and Susceptibility to undue influence subscales, and Total Lichtenberg Financial Decision Rating Scale Score. Study findings suggest that impaired decisional abilities may render older adults more vulnerable to financial exploitation, and that the LFDRS is a valid tool for measuring both decisional abilities and financial exploitation. PMID:26285038

  19. Taking financial relationships into account when assessing research.

    PubMed

    Resnik, David B; Elliott, Kevin C

    2013-01-01

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

  20. Taking Financial Relationships into Account When Assessing Research

    PubMed Central

    Resnik, David B.; Elliott, Kevin C.

    2014-01-01

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

  1. Economic values and corporate financial statements.

    PubMed

    Magness, Vanessa

    2003-07-01

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

  2. The Influence of Disclosure and Ethics Education on Perceptions of Financial Conflicts of Interest.

    PubMed

    Sacco, Donald F; Bruton, Samuel V; Hajnal, Alen; Lustgraaf, Chris J N

    2015-08-01

    This study explored how disclosure of financial conflicts of interest (FCOI) influences naïve or "lay" individuals' perceptions of the ethicality of researcher conduct. On a between-subjects basis, participants read ten scenarios in which researchers disclosed or failed to disclose relevant financial conflicts of interest. Participants evaluated the extent to which each vignette represented a FCOI, its possible influence on researcher objectivity, and the ethics of the financial relationship. Participants were then asked if they had completed a college-level ethics course. Results indicated that FCOI disclosure significantly influenced participants' perceptions of the ethicality of the situation, but only marginally affected perceptions of researcher objectivity and had no significant influence on perceptions of the existence of FCOIs. Participants who had previously completed a college-level ethics course appeared more sensitive to the importance of FCOI disclosure than those who lacked such background. This result suggests that formal ethical training may help individuals become more critical consumers of scientific research.

  3. 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:…

  4. Integral modeling and financial impact of the geothermal situation and power plant at Soultz-sous-Forêts

    NASA Astrophysics Data System (ADS)

    Heidinger, Philipp

    2010-07-01

    The science about deep Enhanced Geothermal Systems (EGS) is still an emerging process and for further spreading economics is the key of the technology. To understand the financial situation, a program for economic evaluation was developed. This software (Euronaut) is completely modularized and considers all cash flows. Projects like an EGS are wrapped into tree-like structures. Based on the results which were gained at Soultz-sous-Forêts, two configurations were designed. The first EGS configuration consists of a simplified two well (doublet) system where the dependencies of all components (mainly the reservoir, wells, pumps and the heat-to-power conversion unit) are physically and economically linked together. The realization of these dependencies and their complex interactions enable a sensitivity analysis of the borehole depth and reservoir depth, respectively. As a result, depth dependent effective costs and revenues of an EGS plant with the geohydrological characteristics of Soultz-sous-Forêts are determined. As a future development, the second configuration will adapt the actual situation at Soultz-sous-Forêts with the individual features of all four wells (GPK1 - GPK4). Then, this model can be used for all kinds of sensitivity analyses to clarify the impact of certain components or to optimize the operation scheme; e.g. the flow rates.

  5. Development of a Novel, Objective Measure of Health Care–Related Financial Burden for U.S. Families with Children

    PubMed Central

    Wisk, Lauren E; Gangnon, Ronald; Vanness, David J; Galbraith, Alison A; Mullahy, John; Witt, Whitney P

    2014-01-01

    Objective To develop and validate a theoretically based and empirically driven objective measure of financial burden for U.S. families with children. Data Sources The measure was developed using 149,021 families with children from the National Health Interview Survey, and it was validated using 18,488 families with children from the Medical Expenditure Panel Survey. Study Design We estimated the marginal probability of unmet health care need due to cost using a bivariate tensor product spline for family income and out-of-pocket health care costs (OOPC; e.g., deductibles, copayments), while adjusting for confounders. Recursive partitioning was performed on these probabilities, as a function of income and OOPC, to establish thresholds demarcating levels of predicted risk. Principal Findings We successfully generated a novel measure of financial burden with four categories that were associated with unmet need (vs. low burden: midlow OR: 1.93, 95 percent CI: 1.78–2.09; midhigh OR: 2.78, 95 percent CI: 2.49–3.10; high OR: 4.38, 95 percent CI: 3.99–4.80). The novel burden measure demonstrated significantly better model fit and less underestimation of financial burden compared to an existing measure (OOPC/income ≥10 percent). Conclusion The newly developed measure of financial burden establishes thresholds based on different combinations of family income and OOPC that can be applied in future studies of health care utilization and expenditures and in policy development and evaluation. PMID:25328073

  6. Financial Literacy and Long- and Short-Term Financial Behavior in Different Age Groups

    ERIC Educational Resources Information Center

    Henager, Robin; Cude, Brenda J.

    2016-01-01

    The purpose of this study was to examine the relationship between financial literacy and financial behaviors among various age groups. Financial literacy was measured in three ways: objective financial knowledge, subjective financial knowledge or confidence, and subjective financial management ability. The age groups were 18-24, 25-34, 35-44,…

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

    PubMed

    Russell, Katherine; Stramoski, Sandra

    2011-01-01

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

  8. 24 CFR 902.30 - Financial condition assessment.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... DEVELOPMENT PUBLIC HOUSING ASSESSMENT SYSTEM Financial Condition Indicator § 902.30 Financial condition assessment. (a) Objective. The objective of the financial condition indicator is to measure the financial... this indicator by measuring the combined performance of all public housing projects in each of the...

  9. 18 CFR 1311.11 - What are TVA's obligations in interstate situations?

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... TENNESSEE VALLEY AUTHORITY INTERGOVERNMENTAL REVIEW OF TENNESSEE VALLEY AUTHORITY FEDERAL FINANCIAL... interstate situations? (a) TVA is responsible for: (1) Identifying proposed Federal financial assistance and... officials and entities in states which have adopted a process and which select TVA's program or activity; (3...

  10. 18 CFR 1311.11 - What are TVA's obligations in interstate situations?

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... TENNESSEE VALLEY AUTHORITY INTERGOVERNMENTAL REVIEW OF TENNESSEE VALLEY AUTHORITY FEDERAL FINANCIAL... interstate situations? (a) TVA is responsible for: (1) Identifying proposed Federal financial assistance and... officials and entities in states which have adopted a process and which select TVA's program or activity; (3...

  11. 18 CFR 1311.11 - What are TVA's obligations in interstate situations?

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... TENNESSEE VALLEY AUTHORITY INTERGOVERNMENTAL REVIEW OF TENNESSEE VALLEY AUTHORITY FEDERAL FINANCIAL... interstate situations? (a) TVA is responsible for: (1) Identifying proposed Federal financial assistance and... officials and entities in states which have adopted a process and which select TVA's program or activity; (3...

  12. 24 CFR 902.30 - Financial condition assessment.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Financial condition assessment. 902... DEVELOPMENT PUBLIC HOUSING ASSESSMENT SYSTEM PHAS Indicator #2: Financial Condition § 902.30 Financial condition assessment. (a) Objective. The objective of the Financial Condition Indicator is to measure the...

  13. Financial Reporting: Framework for Analyzing Federal Agency Financial Statements

    DTIC Science & Technology

    1991-03-01

    the only source that would be used to pay current liabilities. 6;Loyd C. Heath, Financial Reporting and the Evaluation of Solvency (New York: AICPA...when assessing department programs and deter- mining public policy. With improved financial reporting as an objective, we plan to continue working...Golembiewski, Robert T. and Jack Rabin, ed. Public Budgeting and Finance. New York- Marcel Dekker, Inc., 1983. Heath, Loyd C., Financial Reporting and the

  14. 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…

  15. What Does Financial Literacy Training Teach Us?

    ERIC Educational Resources Information Center

    Carlin, Bruce Ian; Robinson, David T.

    2012-01-01

    The authors use data from a finance-related theme park to explore how financial education changes investment, financing, and consumer behavior. Students were assigned fictitious life situations and asked to create household budgets. Some students received a 19-hour financial literacy curriculum before going to the park, and some did not. After…

  16. Quantifying Risk of Financial Incapacity and Financial Exploitation in Community-dwelling Older Adults: Utility of a Scoring System for the Lichtenberg Financial Decision-making Rating Scale.

    PubMed

    Lichtenberg, Peter A; Gross, Evan; Ficker, Lisa J

    2018-06-08

    This work examines the clinical utility of the scoring system for the Lichtenberg Financial Decision-making Rating Scale (LFDRS) and its usefulness for decision making capacity and financial exploitation. Objective 1 was to examine the clinical utility of a person centered, empirically supported, financial decision making scale. Objective 2 was to determine whether the risk-scoring system created for this rating scale is sufficiently accurate for the use of cutoff scores in cases of decisional capacity and cases of suspected financial exploitation. Objective 3 was to examine whether cognitive decline and decisional impairment predicted suspected financial exploitation. Two hundred independently living, non-demented community-dwelling older adults comprised the sample. Participants completed the rating scale and other cognitive measures. Receiver operating characteristic curves were in the good to excellent range for decisional capacity scoring, and in the fair to good range for financial exploitation. Analyses supported the conceptual link between decision making deficits and risk for exploitation, and supported the use of the risk-scoring system in a community-based population. This study adds to the empirical evidence supporting the use of the rating scale as a clinical tool assessing risk for financial decisional impairment and/or financial exploitation.

  17. A Kalman-Filter-Based Common Algorithm Approach for Object Detection in Surgery Scene to Assist Surgeon's Situation Awareness in Robot-Assisted Laparoscopic Surgery

    PubMed Central

    2018-01-01

    Although the use of the surgical robot is rapidly expanding for various medical treatments, there still exist safety issues and concerns about robot-assisted surgeries due to limited vision through a laparoscope, which may cause compromised situation awareness and surgical errors requiring rapid emergency conversion to open surgery. To assist surgeon's situation awareness and preventive emergency response, this study proposes situation information guidance through a vision-based common algorithm architecture for automatic detection and tracking of intraoperative hemorrhage and surgical instruments. The proposed common architecture comprises the location of the object of interest using feature texture, morphological information, and the tracking of the object based on Kalman filter for robustness with reduced error. The average recall and precision of the instrument detection in four prostate surgery videos were 96% and 86%, and the accuracy of the hemorrhage detection in two prostate surgery videos was 98%. Results demonstrate the robustness of the automatic intraoperative object detection and tracking which can be used to enhance the surgeon's preventive state recognition during robot-assisted surgery. PMID:29854366

  18. Financial Knowledge and Best Practice Behavior

    ERIC Educational Resources Information Center

    Robb, Cliff A.; Woodyard, Ann S.

    2011-01-01

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

  19. Information Fusion for Situational Awareness

    DTIC Science & Technology

    2003-01-01

    UNCLASSIFIED Defense Technical Information Center Compilation Part Notice ADP021704 TITLE: Information Fusion for Situational Awareness DISTRIBUTION...component part numbers comprise the compilation report: ADP021634 thru ADP021736 UNCLASSIFIED Information Fusion for Situational Awareness Dr. John...Situation Assessment, or level 2 be applied to address Situational Awareness - the processing, the knowledge of objects, their goal of this paper

  20. Multi-Objective Algorithm for Blood Supply via Unmanned Aerial Vehicles to the Wounded in an Emergency Situation

    PubMed Central

    Wen, Tingxi; Zhang, Zhongnan; Wong, Kelvin K. L.

    2016-01-01

    Unmanned aerial vehicle (UAV) has been widely used in many industries. In the medical environment, especially in some emergency situations, UAVs play an important role such as the supply of medicines and blood with speed and efficiency. In this paper, we study the problem of multi-objective blood supply by UAVs in such emergency situations. This is a complex problem that includes maintenance of the supply blood’s temperature model during transportation, the UAVs’ scheduling and routes’ planning in case of multiple sites requesting blood, and limited carrying capacity. Most importantly, we need to study the blood’s temperature change due to the external environment, the heating agent (or refrigerant) and time factor during transportation, and propose an optimal method for calculating the mixing proportion of blood and appendage in different circumstances and delivery conditions. Then, by introducing the idea of transportation appendage into the traditional Capacitated Vehicle Routing Problem (CVRP), this new problem is proposed according to the factors of distance and weight. Algorithmically, we use the combination of decomposition-based multi-objective evolutionary algorithm and local search method to perform a series of experiments on the CVRP public dataset. By comparing our technique with the traditional ones, our algorithm can obtain better optimization results and time performance. PMID:27163361

  1. Multi-Objective Algorithm for Blood Supply via Unmanned Aerial Vehicles to the Wounded in an Emergency Situation.

    PubMed

    Wen, Tingxi; Zhang, Zhongnan; Wong, Kelvin K L

    2016-01-01

    Unmanned aerial vehicle (UAV) has been widely used in many industries. In the medical environment, especially in some emergency situations, UAVs play an important role such as the supply of medicines and blood with speed and efficiency. In this paper, we study the problem of multi-objective blood supply by UAVs in such emergency situations. This is a complex problem that includes maintenance of the supply blood's temperature model during transportation, the UAVs' scheduling and routes' planning in case of multiple sites requesting blood, and limited carrying capacity. Most importantly, we need to study the blood's temperature change due to the external environment, the heating agent (or refrigerant) and time factor during transportation, and propose an optimal method for calculating the mixing proportion of blood and appendage in different circumstances and delivery conditions. Then, by introducing the idea of transportation appendage into the traditional Capacitated Vehicle Routing Problem (CVRP), this new problem is proposed according to the factors of distance and weight. Algorithmically, we use the combination of decomposition-based multi-objective evolutionary algorithm and local search method to perform a series of experiments on the CVRP public dataset. By comparing our technique with the traditional ones, our algorithm can obtain better optimization results and time performance.

  2. Designing Smart Objects to Support Affording Situations: Exploiting Affordance Through an Understanding of Forms of Engagement

    PubMed Central

    Baber, Chris

    2018-01-01

    In this paper I consider how the concept of “affordance” has been adapted from the original writings of Gibson and applied to interaction design. I argue that a clear understanding of affordance shifts the goal of interaction design from one of solely focusing on either the physical object or the capabilities of the person, toward an understanding of interactivity. To do this, I develop the concept of Forms of Engagement, originally proposed to account for tool use. Finally, I extend this concept to interacting with modified tangible user interfaces, or “animate objects.” These animate objects not only sense how they are being used, but also communicate with each other to develop a shared intent, and provide prompts and cues to encourage specific actions. In this way, the human-object-environment system creates affording situations in pursuit of shared intentions and goals. In order to determine when to provide prompts and cues, the objects need to have a model of how they ought to be used and what intention they are being used to achieve. Consequently, affordances become not only the means by which actions are encouraged but also the manner in which intentions are identified and agreed. PMID:29593601

  3. Identifying instruments to quantify financial management skills in adults with acquired cognitive impairments.

    PubMed

    Engel, Lisa; Bar, Yael; Beaton, Dorcas E; Green, Robin E; Dawson, Deirdre R

    2016-01-01

    Financial management skills-that is, the skills needed to handle personal finances such as banking and paying bills-are essential to a person's autonomy, independence, and community living. To date, no comprehensive review of financial management skills instruments exists, making it difficult for clinicians and researchers to choose relevant instruments. The objectives of this review are to: (a) identify all available instruments containing financial management skill items that have been used with adults with acquired cognitive impairments; (b) categorize the instruments by source (i.e., observation based, self-report, proxy report); and (c) describe observation-based performance instruments by populations, overarching concepts measured, and comprehensiveness of financial management items. Objective (c) focuses on observation-based performance instruments as these measures can aid in situations where the person with cognitive impairment has poor self-awareness or where the proxy has poor knowledge of the person's current abilities. Two reviewers completed two systematic searches of five databases. Instruments were categorized by reviewing published literature, copies of the instruments, and/or communication with instrument authors. Comprehensiveness of items was based on nine key domains of financial management skills developed by the authors. A total of 88 discrete instruments were identified. Of these, 44 were categorized as observation-based performance and 44 as self- and/or proxy-reports. Of the 44 observation-based performance instruments, 8 had been developed for acquired brain injury populations and 24 for aging and dementia populations. Only 7 of the observation-based performance instruments had items spanning 6 or more of the 9 financial management skills domains. The majority of instruments were developed for aging and dementia populations, and few were comprehensive. This review provides foundation for future instrument psychometric and clinimetric

  4. The influence of age on perceptions of anticipated financial inadequacy by palliative radiation outpatients.

    PubMed

    Francoeur, Richard B

    2007-12-01

    A consistent body of knowledge suggests that with advancing age, adults tend to report lower financial strain from their current economic condition. But are more negative perceptions shifted onto their expectations about their future economic condition? This study of seriously ill outpatients investigates whether advancing age is related to more negative expectations of future health-related financial strain, in which illness progression would necessitate greater health care consumption. Ordinal probit multivariate regression was conducted on survey findings from 268 outpatients initiating palliative radiation for recurrent cancer. Half were retirees age>/=65. Age comparisons are reported when there was no recent work transition. As age advances (from 40 to 84), outpatients incurring low objective financial stress were more likely to reveal that their health insurance and finances would be less adequate to meet future health needs. Previously, these outpatients were reported to minimize perceptions of current financial strain as age advances. Therefore, older outpatients may cope with current circumstances by displacing perceptions of financial inadequacy onto plausible future situations of cancer progression demanding greater healthcare consumption. Financial strain may be hidden in older outpatients initiating palliative radiation. These outpatients appear at risk of foregoing appropriate healthcare. Targeted screening and advocacy are warranted.

  5. Nurse-surgeon object transfer: video analysis of communication and situation awareness in the operating theatre.

    PubMed

    Korkiakangas, Terhi; Weldon, Sharon-Marie; Bezemer, Jeff; Kneebone, Roger

    2014-09-01

    One of the most central collaborative tasks during surgical operations is the passing of objects, including instruments. Little is known about how nurses and surgeons achieve this. The aim of the present study was to explore what factors affect this routine-like task, resulting in fast or slow transfer of objects. A qualitative video study, informed by an observational ethnographic approach, was conducted in a major teaching hospital in the UK. A total of 20 general surgical operations were observed. In total, approximately 68 h of video data have been reviewed. A subsample of 225 min has been analysed in detail using interactional video-analysis developed within the social sciences. Two factors affecting object transfer were observed: (1) relative instrument trolley position and (2) alignment. The scrub nurse's instrument trolley position (close to vs. further back from the surgeon) and alignment (gaze direction) impacts on the communication with the surgeon, and consequently, on the speed of object transfer. When the scrub nurse was standing close to the surgeon, and "converged" to follow the surgeon's movements, the transfer occurred more seamlessly and faster (<1.0 s) than when the scrub nurse was standing further back from the surgeon and did not follow the surgeon's movements (>1.0 s). The smoothness of object transfer can be improved by adjusting the scrub nurse's instrument trolley position, enabling a better monitoring of surgeon's bodily conduct and affording early orientation (awareness) to an upcoming request (changing situation). Object transfer is facilitated by the surgeon's embodied practices, which can elicit the nurse's attention to the request and, as a response, maximise a faster object transfer. A simple intervention to highlight the significance of these factors could improve communication in the operating theatre. Copyright © 2014 Elsevier Ltd. All rights reserved.

  6. The Impact of Financial Disclosure on Attendee Assessment of Objectivity in Continuing Medical Education Programs in Psychiatry: A Randomized, Controlled Trial.

    PubMed

    Jibson, Michael D; Cobourn, Lisa A; Seibert, Jennifer K

    2016-04-01

    The purpose of financial conflict of interest disclosures by speakers at continuing medical education (CME) programs is to assist attendees in their assessment of the objectivity of the information presented. This empirical study was undertaken to determine what level of disclosure is optimal to achieve this goal. Attendees at five CME programs were randomly assigned to receive either a standard financial disclosure, an intermediate level that included whether speakers received more or less than 5% of their income from each company they disclosed, or a high level of disclosure that included the percent of their income derived from each company. A total of 169 attendees (85.4% response rate) completed a questionnaire regarding the objectivity of the CME presentation they attended. Attendees receiving the highest level of disclosure came significantly closer to the ratings of speaker bias made by peer reviewers than did attendees receiving medium or low levels of disclosure (p = 0.03; effect size 0.31). Among the minority of attendees who received the highest level of disclosure but whose assessment of bias differed from that of peer reviewers, however, there was a tendency to underestimate bias (5.9 vs 31.4%; p < 0.0001). The major limitation of this study was an overall low level of bias in the presentations, making it difficult to generalize these findings to less objective programs. The study did not address whether the process of disclosure had an impact on speakers' behavior. This study provides mixed support for higher levels of financial disclosure than are currently required for CME programs.

  7. The Study on University Financial Management under Knowledge Economy

    NASA Astrophysics Data System (ADS)

    Yongfan, Xu

    The coming of knowledge economy creates unprecedented situation of economy development. The trend of education's globalization as well as communication means frequently updated severely hit the system of financial management. Along with the deep going of education industrialization, and development of logistics management socialization, system and content of university financial management are increasingly expending and getting more and more complex that result in new challenge and problems to financial management. In order to step up with university development of internationalization and the logistics development of socialization, the financial management has to reform in response to this new challenge and trend.

  8. 43 CFR 1882.0-2 - Objective.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., DEPARTMENT OF THE INTERIOR GENERAL MANAGEMENT (1000) FINANCIAL ASSISTANCE, LOCAL GOVERNMENTS Mineral Development Impact Relief Loans § 1882.0-2 Objective. The objective of the program is to provide financial... social and economic impacts as a result of the development of Federal mineral deposits leased under the...

  9. 31 CFR 561.404 - Significant transaction or transactions; significant financial services; significant financial...

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  10. Satellite situation report, volume 33, number 4

    NASA Technical Reports Server (NTRS)

    1993-01-01

    The Satellite Situation Report is a listing of those satellites (objects) currently in orbit and those which have previously orbited the Earth. Some objects are too small or too far from the Earth's surface to be detected; therefore, the Satellite Situation Report does not include all manmade objects orbiting the Earth. Generally, satellites are classified as follows: (1) Payloads may contain one or more functioning or nonfunctioning experiments. Usually only the owners of the satellites know if the experiments are functioning, and there is no one source which indicates the operational status of all payloads and/or experiments. Payloads are normally the first listed in the Satellite Situation Report, i.e., 1982 087A, unless there are multiple payloads for the launch. In which case, the first objects cataloged are usually all payloads, unless a subsequent payload is later identified after objects other than payloads have been cataloged. (2) Platforms are used to support a payload while it is being placed into orbit. A platform may remain in orbit long after its purpose is served, usually longer than rocket bodies. It is usually the first object identified in the Satellite Situation Report listing after the payload(s), i.e., 1982 087B (when a platform is not used, the first object after the payload(s) is usually the rocket body). (3) Rocket bodies are used to place the payload and platform (if one is used) into orbit. Some launches may have more than one rocket body because of the payload weight or the type of orbit or experiment. Most rocket bodies decay within a short time after the payload (and platform) have achieved orbit. Rocket bodies are usually the third object listed in the Satellite Situation Report after the payload(s), i.e., 1982 087C. (4) Debris in orbit occurs when parts (nose cone shrouds, lens or hatch covers) are separated from the payload, when rocket bodies or payloads disintegrate or explode, or when objects are placed into free space from manned

  11. Awareness of financial skills in dementia.

    PubMed

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

    2004-07-01

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

  12. Health-Related Financial Catastrophe, Inequality and Chronic Illness in Bangladesh

    PubMed Central

    Rahman, Md. Mizanur; Gilmour, Stuart; Saito, Eiko; Sultana, Papia; Shibuya, Kenji

    2013-01-01

    Background Bangladesh has a high proportion of households incurring catastrophic health expenditure, and very limited risk sharing mechanisms. Identifying determinants of out-of-pocket (OOP) payments and catastrophic health expenditure may reveal opportunities to reduce costs and protect households from financial risk. Objective This study investigates the determinants of high healthcare expenditure and healthcare- related financial catastrophe. Methods A cross-sectional household survey was conducted in Rajshahi city, Bangladesh, in 2011. Catastrophic health expenditure was estimated separately based on capacity to pay and proportion of non-food expenditure. Determinants of OOP payments and financial catastrophe were estimated using double hurdle and Poisson regression models respectively. Results On average households spent 11% of their total budgets on health, half the residents spent 7% of the monthly per capita consumption expenditure for one illness, and nearly 9% of households faced financial catastrophe. The poorest households spent less on health but had a four times higher risk of catastrophe than the richest households. The risk of financial catastrophe and the level of OOP payments were higher for users of inpatient, outpatient public and private facilities respectively compared to using self-medication or traditional healers. Other determinants of OOP payments and catastrophic expenses were economic status, presence of chronic illness in the household, and illness among children and adults. Conclusion Households that received inpatient or outpatient private care experienced the highest burden of health expenditure. The poorest members of the community also face large, often catastrophic expenses. Chronic illness management is crucial to reducing the total burden of disease in a household and its associated increased risk of level of OOP payments and catastrophic expenses. Households can only be protected from these situations by reducing the health

  13. Financial considerations in living organ donation.

    PubMed

    Jacobs, Cheryl; Thomas, Charlie

    2003-06-01

    The shortage of cadaveric organs and increased success of living donor transplantation support the use of living organ donors. Clinical social workers have the opportunity to explore a variety of donor-specific issues when performing psychosocial evaluations of living donors, including motivation, psychological stability, and personal and family consequences of donation, as well as the direct and indirect financial consequences faced by living donors. Although most donor-related medical costs are covered, other associated expenses are not reimbursable and may put donors at risk for financial hardship. Out-of-pocket expenses also serve as a disincentive to donate for some volunteers. During the evaluation process, healthcare professionals should openly discuss how surgery, recovery, and any potential complications might impact prospective donors' financial situation. Donors can then decide whether they are able to realistically handle the costs of donation. We present the financial dilemmas experienced by many living donors and highlight efforts that have been made to deal with them.

  14. 1988 Underground Storage Tanks; Technical Requirements; Final Rule and Underground Storage Tanks Containing Petroleum-Financial Responsibility Requirements and State Program Approval Objective; Final Rule

    EPA Pesticide Factsheets

    EPA's 1988 regulations concerning USTs are contained in 40 CFR Part 280, 40 CFR Part 281 and 40 CFR Parts 282.50-282.105 and divided into three sections: technical requirements, financial responsibility requirements, and state program approval objectives.

  15. Investigation on financial crises with the negative-information-propagation-induced model

    NASA Astrophysics Data System (ADS)

    Fan, Feng-Hua; Deng, Yanbin; Huang, Yong-Chang

    2017-03-01

    We first argue about the similarity between the propagation phenomenon of negative information about potential deterioration of economic situation in group of investors and the propagation phenomenon of infectious disease in crowd Applying the negative-information-propagation-induced model built based on above argument, we investigate the relationship between the generation of financial crises and propagation effects of negative information We introduce the discrimination parameter to distinguish whether or not negative information will be propagated extensively in group of investors. We also introduce the target critical value of financial crises. By comparing the theoretically predicted ratio of the long term projected number of total investors to the total number of investors at some time as initial time with target critical value of financial crises, the model can provide real-time monitoring of whether the curve of total number of investors is progressing toward the direction of generating financial crises or running on track of financial markets safety. If at some time this ratio is computed to be less than the target critical value of financial crises, governments can take relevant measures to prevent the generation of financial crises in advance Governments' interference helps to recover the confidence of investors so that they never will again believe in negative information to continue their investment. Results from theoretical and numerical analysis show that the number of investors who hold the belief of potential deterioration of economic situation, and the number of investors who withdraw capital and depart from financial markets for avoiding business loss when governments make appropriate interference are lowered compared to that without appropriate governments' interference. The results show the effectiveness of governments in preventing financial crises from the viewpoint of the negative information-propagation-induced model, namely governments

  16. Variables affecting the financial viability of your practice: a case study.

    PubMed

    Binderman, J

    2001-01-01

    Utilizing the discussion of variables affecting practice financial viability, a case study is considered. The case study reveals the relative impact multiple variables have upon the bottom line, including: practice capacity, percentage of capitation, and fee-for-service in the practice, as well as patient visit rates and patient churning. This article presents basic financial information through a case study model, utilizing a series of worksheets that can be adapted to any practice situation to encourage improved financial viability.

  17. Situational Behavior Modeling

    DTIC Science & Technology

    2009-06-30

    VIStology, Inc. June 30, 2009 Page 16 Figure 3. Situations and Perception Figure 3 shows four planes, each referring to a different level...the computer, as shown in the figure. The next layer is denoted as “ Perception .” The dots on this plane represent objects from the World that are...which then feeds the computer, which in turn generates the object representations. The label “ Perception ” represents the fact that this kind of

  18. 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…

  19. 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…

  20. 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…

  1. Near Misses in Financial Trading: Skills for Capturing and Averting Error.

    PubMed

    Leaver, Meghan; Griffiths, Alex; Reader, Tom

    2018-05-01

    The aims of this study were (a) to determine whether near-miss incidents in financial trading contain information on the operator skills and systems that detect and prevent near misses and the patterns and trends revealed by these data and (b) to explore if particular operator skills and systems are found as important for avoiding particular types of error on the trading floor. In this study, we examine a cohort of near-miss incidents collected from a financial trading organization using the Financial Incident Analysis System and report on the nontechnical skills and systems that are used to detect and prevent error in this domain. One thousand near-miss incidents are analyzed using distribution, mean, chi-square, and associative analysis to describe the data; reliability is provided. Slips/lapses (52%) and human-computer interface problems (21%) often occur alone and are the main contributors to error causation, whereas the prevention of error is largely a result of teamwork (65%) and situation awareness (46%) skills. No matter the cause of error, situation awareness and teamwork skills are used most often to detect and prevent the error. Situation awareness and teamwork skills appear universally important as a "last line" of defense for capturing error, and data from incident-monitoring systems can be analyzed in a fashion more consistent with a "Safety-II" approach. This research provides data for ameliorating risk within financial trading organizations, with implications for future risk management programs and regulation.

  2. Empowering Physicians with Financial Literacy.

    PubMed

    Bar-Or, Yuval

    2015-01-01

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

  3. 76 FR 59759 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-27

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

  4. Modeling the Impact of Social Discrimination and Financial Hardship on the Sexual Risk of HIV Among Latino and Black Men Who Have Sex With Men

    PubMed Central

    Bingham, Trista; Kim, Junyeop; Wheeler, Darrell P.; Millett, Gregorio A.

    2012-01-01

    Objectives. We examined the impact of social discrimination and financial hardship on unprotected anal intercourse with a male sex partner of serodiscordant or unknown HIV status in the past 3 months among 1081 Latino and 1154 Black men who have sex with men (MSM; n = 2235) residing in Los Angeles County, California; New York, New York; and Philadelphia, Pennsylvania. Methods. We administered HIV testing and a questionnaire assessing 6 explanatory variables. We combined traditional mediation analysis with the results of a path analysis to simultaneously examine the direct, indirect, and total effects of these variables on the outcome variable. Results. Bivariate analysis showed that homophobia, racism, financial hardship, and lack of social support were associated with unprotected anal intercourse with a serodiscordant or sero-unknown partner. Path analysis determined that these relations were mediated by participation in risky sexual situations and lack of social support. However, paths between the explanatory variable and 2 mediating variables varied by participants’ serostatus. Conclusions. Future prevention research and program designs should specifically address the differential impact of social discrimination and financial hardship on lack of social support and risky sexual situations among Latino and Black MSM. PMID:22401516

  5. Perceptions and experiences of financial incentives: a qualitative study of dialysis care in England

    PubMed Central

    Abma, Inger; Jayanti, Anuradha; Bayer, Steffen; Mitra, Sandip; Barlow, James

    2014-01-01

    Objective The objective of the study was to understand the extent to which financial incentives such as Payment by Results and other payment mechanisms motivate kidney centres in England to change their practices. Design The study followed a qualitative design. Data collection involved 32 in-depth semistructured interviews with healthcare professionals and managers, focusing on their subjective experience of payment structures. Participants Participants were kidney healthcare professionals, clinical directors, kidney centre managers and finance managers. Healthcare commissioners from different parts of England were also interviewed. Setting Participants worked at five kidney centres from across England. The selection was based on the prevalence of home haemodialysis, ranging from low (<3%), medium (5–8%) and high (>8%) prevalence, with at least one centre in each one of these categories at the time of selection. Results While the tariff for home haemodialysis is not a clear incentive for its adoption due to uncertainty about operational costs, Commissioning for Quality and Innovation (CQUIN) targets and the Best Practice Tariff for vascular access were seen by our case study centres as a motivator to change practices. Conclusions The impact of financial incentives designed at a policy level is influenced by the understanding of cost and benefits at the local operational level. In a situation where costs are unclear, incentives which are based on the improvement of profit margins have a smaller impact than incentives which provide an additional direct payment, even if this extra financial support is relatively small. PMID:24523426

  6. Development of a Web-based financial application System

    NASA Astrophysics Data System (ADS)

    Hasan, M. R.; Ibrahimy, M. I.; Motakabber, S. M. A.; Ferdaus, M. M.; Khan, M. N. H.; Mostafa, M. G.

    2013-12-01

    The paper describes a technique to develop a web based financial system, following latest technology and business needs. In the development of web based application, the user friendliness and technology both are very important. It is used ASP .NET MVC 4 platform and SQL 2008 server for development of web based financial system. It shows the technique for the entry system and report monitoring of the application is user friendly. This paper also highlights the critical situations of development, which will help to develop the quality product.

  7. Content-based image exploitation for situational awareness

    NASA Astrophysics Data System (ADS)

    Gains, David

    2008-04-01

    Image exploitation is of increasing importance to the enterprise of building situational awareness from multi-source data. It involves image acquisition, identification of objects of interest in imagery, storage, search and retrieval of imagery, and the distribution of imagery over possibly bandwidth limited networks. This paper describes an image exploitation application that uses image content alone to detect objects of interest, and that automatically establishes and preserves spatial and temporal relationships between images, cameras and objects. The application features an intuitive user interface that exposes all images and information generated by the system to an operator thus facilitating the formation of situational awareness.

  8. Financial well-being of older Australians with multiple health conditions.

    PubMed

    Temple, Jeromey B; Williams, Ruth

    2018-06-01

    Given recent rises in out-of-pocket health expenses, we examined the financial well-being of older Australians with multiple health conditions and disabilities. The 2014 General Social Survey was used to measure the: (i) current financial position; (ii) propensity to experience financial difficulties; and (iii) types of behaviours older people with multiple health conditions engage in to improve financial resilience. Compared to older Australians with no health conditions, respondents with multiple health conditions had lower incomes and assets and a higher propensity to hold consumer debt (once controls were included). They were at a higher risk of cash flow difficulties, dissaving to meet day-to-day living expenses and exclusion from financial providers. However, the majority of people with multiple health conditions engaged in financially resilient behaviours. Many older Australians with multiple health conditions were in a financially precarious situation with implications for the ability to afford ongoing increases in out-of-pocket health-care costs. © 2018 AJA Inc.

  9. Associations between Adolescents' Situational Motivation and Objectively-Determined Physical Activity Levels in Physical Education

    ERIC Educational Resources Information Center

    Ning, Weihong; Pope, Zachary; Gao, Zan

    2015-01-01

    Purpose: This study aimed to examine the predictive strength of adolescents' situational motivation to their physical activity levels in physical education. Method: A total of 259 middle school students ranging from 11 to 14 years old participated in the study. Participants completed the Situational Motivation Scale in one class. Their PA levels…

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

    PubMed

    Sharp, Linda; Timmons, Aileen

    2016-02-01

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

  11. Financial conflicts of interest in science.

    PubMed

    Sax, Joanna K

    2012-01-01

    This Article proposes a new direction for addressing financial conflicts of interest, which plague biomedical research and threaten scientific integrity. This Article descriptively states the controversy surrounding financial conflicts of interest by explaining how these conflicts arise and the damage that can be created as a result. By describing the scientific process, the Article explains that changes to the academic environment may allow the public-private interaction to proceed, without creating the problems associated with financial conflicts of interest. Financial conflicts of interest are created when the profit-seeking motive of a private funding source unduly influences an academic scientist's primary responsibilities. The problem with financial conflicts of interest has grown since the passage of the Bayh-Dole Act in 1980. The cornerstone of current policies to address financial conflicts of interest is disclosure, which is inadequate and unsatisfying. The analysis herein changes the trajectory of current approaches in this area by proposing that an analysis of the underlying environment and behavior leading to conflicts of interest must be considered. This Article proposes the use of behavioral economics to craft a policy that effectively addresses conflicts of interest. To this end, this Article applies research from the field of psychology to understand both the environment of academic scientists as well as to begin to understand how academic scientists make decisions. Drawing on psychology literature, this article proposes that academic scientists may experience cognitive dissonance when faced with a situation in which a conflict of interest may arise. This helps to understand why an academic scientist may make a decision that creates a conflict of interest. In addition, this Article utilizes the results of an empirical study conducted by myself and a colleague. In this study, we asked faculty at five medical schools to respond to an anonymous survey

  12. Oncology navigators' perceptions of cancer-related financial burden and financial assistance resources.

    PubMed

    Spencer, Jennifer C; Samuel, Cleo A; Rosenstein, Donald L; Reeder-Hayes, Katherine E; Manning, Michelle L; Sellers, Jean B; Wheeler, Stephanie B

    2018-04-01

    As the cost of cancer treatment continues to rise, many patients are faced with significant emotional and financial burden. Oncology navigators guide patients through many aspects of care and therefore may be especially aware of patients' financial distress. Our objective was to explore navigators' perception of their patients' financial burden and their role in addressing financial needs. We conducted a real-time online survey of attendees at an oncology navigators' association conference. Participants included lay navigators, oncology nurse navigators, community health workers, and social workers. Questions assessed perceived burden in their patient population and their role in helping navigate patients through financial resources. Answers to open-ended questions are reported using identified themes. Seventy-eight respondents participated in the survey, reporting that on average 75% of their patients experienced some degree of financial toxicity related to their cancer. Only 45% of navigators felt the majority of these patients were able to get some financial assistance, most often through assistance with medical costs (73%), subsidized insurance (36%), or non-medical expenses (31%). Commonly identified barriers for patients obtaining assistance included lack of resources (50%), lack of knowledge about resources (46%), and complex/duplicative paperwork (20%). Oncology navigators reported a high burden of financial toxicity among their patients but insufficient knowledge or resources to address this need. This study underscores the importance of improved training and coordination for addressing financial burden, and the need to address community and system-level barriers.

  13. Multinational Experiment 7 Cyber Domain Outcome 3. Cyber Situational Awareness. Limited Objective Experiment Report

    DTIC Science & Technology

    2013-02-28

    situational awareness (some surprise at the value of information received from other sectors). • The visualisation technology provided, significantly...digital text and video communications; streaming information feeds; and infrastructure visualisation - all cell teams were provided identical tools...better understanding cyber of situational awareness. The visualisation technology and experiment environment were a first attempt at trying to represent

  14. Financial Changes in the Second Tier of Top Liberal Arts Colleges, 1996-2001

    ERIC Educational Resources Information Center

    Kaufman, Roger T.; Woglom, Geoffrey

    2007-01-01

    Changes in the financial situations among the second tier of liberal arts colleges between 1996 and 2001 are documented using Integrated Postsecondary Education Data System financial and enrollment data. These data show large disparities in net assets per student, expenses per student, and the subsidies per full-paying student and the average…

  15. Conceptual and Empirical Approaches to Financial Decision-making by Older Adults: Results from a Financial Decision-Making Rating Scale

    PubMed Central

    Lichtenberg, Peter A.; Ocepek-Welikson, Katja; Ficker, Lisa J.; Gross, Evan; Rahman-Filipiak, Analise; Teresi, Jeanne A.

    2017-01-01

    Objectives The objectives of this study were threefold: (1) to empirically test the conceptual model proposed by the Lichtenberg Financial Decision Rating Scale (LFDRS); (2) to examine the psychometric properties of the LFDRS contextual factors in financial decision-making by investigating both the reliability and convergent validity of the subscales and total scale, and (3) extending previous work on the scale through the collection of normative data on financial decision-making. Methods A convenience sample of 200 independent function and community dwelling older adults underwent cognitive and financial management testing and were interviewed using the LFDRS. Confirmatory factor analysis, internal consistency measures, and hierarchical regression were used in a sample of 200 community-dwelling older adults, all of whom were making or had recently made a significant financial decision. Results Results confirmed the scale’s reliability and supported the conceptual model. Convergent validity analyses indicate that as hypothesized, cognition is a significant predictor of risk scores. Financial management scores, however, were not predictive of decision-making risk scores. Conclusions The psychometric properties of the LFDRS support the scale’s use as it was proposed in Lichtenberg et al., 2015. Clinical Implications The LFDRS instructions and scale are provided for clinicians to use in financial capacity assessments. PMID:29077531

  16. Situation Model for Situation-Aware Assistance of Dementia Patients in Outdoor Mobility

    PubMed Central

    Yordanova, Kristina; Koldrack, Philipp; Heine, Christina; Henkel, Ron; Martin, Mike; Teipel, Stefan; Kirste, Thomas

    2017-01-01

    Background: Dementia impairs spatial orientation and route planning, thus often affecting the patient’s ability to move outdoors and maintain social activities. Situation-aware deliberative assistive technology devices (ATD) can substitute impaired cognitive function in order to maintain one’s level of social activity. To build such a system, one needs domain knowledge about the patient’s situation and needs. We call this collection of knowledge situation model. Objective: To construct a situation model for the outdoor mobility of people with dementia (PwD). The model serves two purposes: 1) as a knowledge base from which to build an ATD describing the mobility of PwD; and 2) as a codebook for the annotation of the recorded behavior. Methods: We perform systematic knowledge elicitation to obtain the relevant knowledge. The OBO Edit tool is used for implementing and validating the situation model. The model is evaluated by using it as a codebook for annotating the behavior of PwD during a mobility study and interrater agreement is computed. In addition, clinical experts perform manual evaluation and curation of the model. Results: The situation model consists of 101 concepts with 11 relation types between them. The results from the annotation showed substantial overlapping between two annotators (Cohen’s kappa of 0.61). Conclusion: The situation model is a first attempt to systematically collect and organize information related to the outdoor mobility of PwD for the purposes of situation-aware assistance. The model is the base for building an ATD able to provide situation-aware assistance and to potentially improve the quality of life of PwD. PMID:29060937

  17. Air Force FY 2000 Financial Reporting of Operating Materials and Supplies

    DTIC Science & Technology

    2001-07-05

    AIR FORCE FY 2000 FINANCIAL REPORTING OF OPERATING MATERIALS AND SUPPLIES Report No. D-2001-156 July 5...Covered (from... to) ("DD MON YYYY") Title and Subtitle Air Force FY 2000 Financial Reporting of Operating Materials and Supplies Contract or Grant...munitions assets. Objectives. The overall audit objective was to obtain information on the financial reporting of operating materials and supplies

  18. Situational awareness and its application in the delivery suite.

    PubMed

    Edozien, Leroy C

    2015-01-01

    The delivery suite is a high-risk environment. Transitions between low-risk and high-risk can be swift, and sentinel events can occur without warning. The prevention of accidents in this environment rests on the vigilance of the individual practitioner at the frontline. It is, therefore, important that the individual practitioner should develop and maintain the cognitive skills to anticipate, recognize, and intercept unfolding error chains. This commentary gives an overview of a nontechnical skill that is essential for safe practice in a delivery suite: situational awareness. A basic description of situational awareness is provided, using examples of loss of situational awareness in the delivery suite and examples of simple interventions that could promote situational awareness. Involuntary automaticity readily creeps in during performance of routine tasks, and cognitive overload could deplete attentional resources that are, by nature, limited. Strategies and tactics for maintaining situational awareness include proactively seeking and managing information on unfolding events, continually updating individual and team mental models, mindful use of checklists and scoreboards, and avoidance of attentional blindness. These simple interventions require minimal financial resources but could immensely enhance clinical performance and patient safety. Situational awareness should be included in the training of obstetrician-gynecologists and other staff working in a delivery suite.

  19. In the mind of the market: theory of mind biases value computation during financial bubbles.

    PubMed

    De Martino, Benedetto; O'Doherty, John P; Ray, Debajyoti; Bossaerts, Peter; Camerer, Colin

    2013-09-18

    The ability to infer intentions of other agents, called theory of mind (ToM), confers strong advantages for individuals in social situations. Here, we show that ToM can also be maladaptive when people interact with complex modern institutions like financial markets. We tested participants who were investing in an experimental bubble market, a situation in which the price of an asset is much higher than its underlying fundamental value. We describe a mechanism by which social signals computed in the dorsomedial prefrontal cortex affect value computations in ventromedial prefrontal cortex, thereby increasing an individual's propensity to 'ride' financial bubbles and lose money. These regions compute a financial metric that signals variations in order flow intensity, prompting inference about other traders' intentions. Our results suggest that incorporating inferences about the intentions of others when making value judgments in a complex financial market could lead to the formation of market bubbles. Copyright © 2013 The Authors. Published by Elsevier Inc. All rights reserved.

  20. In the Mind of the Market: Theory of Mind Biases Value Computation during Financial Bubbles

    PubMed Central

    De Martino, Benedetto; O’Doherty, John P.; Ray, Debajyoti; Bossaerts, Peter; Camerer, Colin

    2013-01-01

    Summary The ability to infer intentions of other agents, called theory of mind (ToM), confers strong advantages for individuals in social situations. Here, we show that ToM can also be maladaptive when people interact with complex modern institutions like financial markets. We tested participants who were investing in an experimental bubble market, a situation in which the price of an asset is much higher than its underlying fundamental value. We describe a mechanism by which social signals computed in the dorsomedial prefrontal cortex affect value computations in ventromedial prefrontal cortex, thereby increasing an individual’s propensity to ‘ride’ financial bubbles and lose money. These regions compute a financial metric that signals variations in order flow intensity, prompting inference about other traders’ intentions. Our results suggest that incorporating inferences about the intentions of others when making value judgments in a complex financial market could lead to the formation of market bubbles. PMID:24050407

  1. 34 CFR 79.11 - What are the Secretary's obligations in interstate situations?

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... interstate situations? (a) The Secretary is responsible for: (1) Identifying proposed federal financial... which have adopted a process and which select the Department's program or activity. (3) Making efforts... those states that have not adopted a process under the Order or do not select the Department's program...

  2. Health gains and financial risk protection: an extended cost-effectiveness analysis of treatment and prevention of diarrhoea in Ethiopia

    PubMed Central

    Pecenka, Clinton J; Johansson, Kjell Arne; Memirie, Solomon Tessema; Jamison, Dean T; Verguet, Stéphane

    2015-01-01

    Objectives Policymakers face many decisions when considering public financing for health, including the kind of health interventions to include in a publically financed package. The consequences of these choices will influence health outcomes as well as the financial risk protection provided to different segments of the population. The purpose of this study is to illustrate the size and distribution of benefits due to treatment and prevention of diarrhoea (ie, rotavirus vaccination). Methods We use an economic model to examine the impacts of universal public finance (UPF) of diarrhoeal treatment alone, as opposed to diarrhoeal treatment along with rotavirus vaccination in Ethiopia using extended cost-effectiveness analysis (ECEA). ECEA allows us to measure the health gains and financial risk protection provided by these interventions for each wealth quintile. Our model compares a baseline situation with diarrhoeal treatment seeking of 32% (overall) and no rotavirus vaccination, to a situation where UPF increases treatment seeking by 20 percentage points for each quintile and rotavirus vaccination reaches DTP (diphteria, pertussis, tetanus) 2 levels for each quintile (overall rate of 52%). We calculate deaths averted, private expenditures averted and costs incurred by the government under the baseline situation and with UPF. Results We find that diarrhoeal treatment paired with rotavirus vaccination is more cost effective than diarrhoeal treatment alone for the metrics we examine in this paper (deaths and private expenditures averted). Per US$1 million invested, diarrhoeal treatment saves 44 lives and averts US$115 000 in private expenditures. For the same investment, diarrhoeal treatment and rotavirus vaccination save 61 lives and avert US$150 000 in private expenditures. The health benefits of these interventions tend to benefit the poor, while the financial benefits favour the better-off. Conclusions Policymakers should consider multiple benefit streams as

  3. What socio-demographic factors influence poverty and financial health care access among disabled people in Flanders: a cross-sectional study.

    PubMed

    Adams, Margo; Augustyns, Nele; Janssens, Herman; Vriesacker, Bart; Van Hal, Guido

    2014-02-12

    Current literature shows that people with a disability have a lower income than people without a disability. Disabled people often experience difficulties with health care access.The objective of this study is to assess the current financial situation and poverty rate amongst disabled people in Flanders. Furthermore we wanted to analyze factors that contribute to the risk of poverty and problems with financial health care access in adult people with a disability in Flanders. An online and paper survey were constructed and made available through two large organizations for people with different types of disability in Flanders. Descriptive statistics and logistic regression analysis were performed. In this convenience sample, 20.9% of the 889 respondents live under the poverty threshold. Important contributing factors to the risk of poverty are having children (OR 3.43, 95% CI 2.10-5.59) and a low level of dependence (OR 16.40, 95% CI 6.21-43.28). 25.2% of the respondents did not access health care because of financial shortcomings. A low level of dependence is one important contributing factor (OR 3.16, 95% CI 1.41-6.98) to limited financial health care access. This research confirms that disability is associated with a higher risk of poverty and impaired financial health care access.

  4. [Doctor-patient relationship in situations of economic precarity: the patient's point of view].

    PubMed

    Marron-Delabre, Alice; Rivollier, Elisabeth; Bois, Christophe

    2015-01-01

    Disparity in healthcare is widening in France. From the doctors' perspectives, their relationship with patients in a precarious economic situation raises a number of specific difficulties. The objective of this qualitative study of people in a precarious economic position, was to identify the specific challenges and aspects that can facilitate patient-doctor relationships. This qualitative study was based on a series of individual, semi-structured interviews between GPs and patients over the age of 18 years with a regular GP, and who were financially vulnerable (recipients of state benefits), and/or covered by universal complementary health care insurance, and/or who frequently attended charitable organisations for free food and clothes. A total of 19 people were interviewed. The participants highlighted the expected human dimension: respect, charisma and open-mindedness. A high quality of receptiveness and communication also facilitated the relationship. On the other hand, lack of availability, an authoritative tone and intrusion hindered the relationship. The patients did not appear to have any additional demands related to their economic vulnerability. In conversation with their GPs, the patients did not define themselves by their unstable financial position. The patients' experience and expectations in relation to interactions with their doctors appeared to be similar to those of the general population.

  5. Financial Management of Libraries: Past Trends and Future Prospects.

    ERIC Educational Resources Information Center

    Roberts, Stephen A.

    2003-01-01

    The financial environment within library and information services is reviewed and a structure for financial management is presented based on funding source and level of commercial activity. Objectives for financial management of library and information services is developed and reviewed in light of future trends and stakeholder perspectives.…

  6. Financial Quality of Life for Patients With Cancer: An Exploratory Study.

    PubMed

    Callahan, Christine; Brintzenhofeszoc, Karlynn

    2015-01-01

    For people who are experiencing financial hardship, a cancer diagnosis can be devastating. For others, cancer may exacerbate financial stress, thereby influencing their livelihood, their ability to maintain employment benefits including health insurance, manage financial obligations, and participate meaningfully in cancer treatment. This study examined how vulnerabilities in psychosocial situations affect financial quality of life within the larger context of health-care decision making through a survey conducted with a cross-sectional availability sample of 90 cancer patients. Results from the multiple regression analysis found that health insurance adequacy, fewer perceived barriers to care, and reduced financial stress are significant predictors of better financial quality of life in this sample. Oncology social workers and other disciplines involved in psychosocial treatment with patients with cancer must assess and address financial and logistic aspects of life in order to provide comprehensive cancer care that meets all needs. Collaborative coordination with patients with cancer and their families to intervene psychosocially, medically, and financially are critical components of sound psychosocial and medical practice.

  7. Financial arrangement selection for energy management projects

    NASA Astrophysics Data System (ADS)

    Woodroof, Eric Aubrey

    Scope and method of study. The purpose of this study was to develop a model (E-FUND) to help facility managers select financial arrangements for energy management projects (EMPs). The model was developed with the help of a panel of expert financiers. The panel also helped develop a list of key objectives critical to the decision process. The E-FUND model was tested by a population of facility managers in four case studies. Findings and conclusions. The results may indicate that having a high economic benefit (from an EMP) is not overwhelmingly important, when compared to other qualitative objectives. The results may also indicate that the true lease and performance contract may be the most applicable financial arrangements for EMPs.

  8. Global and Local Approaches Describing Critical Phenomena on the Developing and Developed Financial Markets

    NASA Astrophysics Data System (ADS)

    Grech, Dariusz

    We define and confront global and local methods to analyze the financial crash-like events on the financial markets from the critical phenomena point of view. These methods are based respectively on the analysis of log-periodicity and on the local fractal properties of financial time series in the vicinity of phase transitions (crashes). The log-periodicity analysis is made in a daily time horizon, for the whole history (1991-2008) of Warsaw Stock Exchange Index (WIG) connected with the largest developing financial market in Europe. We find that crash-like events on the Polish financial market are described better by the log-divergent price model decorated with log-periodic behavior than by the power-law-divergent price model usually discussed in log-periodic scenarios for developed markets. Predictions coming from log-periodicity scenario are verified for all main crashes that took place in WIG history. It is argued that crash predictions within log-periodicity model strongly depend on the amount of data taken to make a fit and therefore are likely to contain huge inaccuracies. Next, this global analysis is confronted with the local fractal description. To do so, we provide calculation of the so-called local (time dependent) Hurst exponent H loc for the WIG time series and for main US stock market indices like DJIA and S&P 500. We point out dependence between the behavior of the local fractal properties of financial time series and the crashes appearance on the financial markets. We conclude that local fractal method seems to work better than the global approach - both for developing and developed markets. The very recent situation on the market, particularly related to the Fed intervention in September 2007 and the situation immediately afterwards is also analyzed within fractal approach. It is shown in this context how the financial market evolves through different phases of fractional Brownian motion. Finally, the current situation on American market is

  9. Situational Awareness in Aerospace Operations (La Perception de la Situation au cours des Operations Aeriennes)

    DTIC Science & Technology

    1990-04-01

    addition to a detailed description of the Situation Awareness Global Assessment Technique (SAGAT). SAGAT was developed as an objective measure of a... developed aircraft designs and training programs hinges on en objective evaluation program that considers the global SA reqluirements of the pilot. Bsy...roll-attitudae recovery [323, and that thickened negative pitch lines (simulating lirm grad-ents) are particularly effective in improving

  10. 44 CFR 4.11 - What are the Administrator's obligations in interstate situations?

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... interstate situations? (a) The Administrator is responsible for: (1) Identifying proposed Federal financial... officials and entities in states which have adopted a process and which select FEMA's program or activity... and entities in those States that have not adopted a process under the Order or do not select FEMA's...

  11. An evaluation system for financial compensation in traditional Chinese medicine services.

    PubMed

    Dou, Lei; Yin, Ai-Tian; Hao, Mo; Lu, Jun

    2015-10-01

    To describe the major factors influencing financial compensation in traditional Chinese medicine (TCM) and prioritize what TCM services should be compensated for. Two structured questionnaires-a TCM service baseline questionnaire and a service cost questionnaire-were used to collect information from TCM public hospitals on TCM services provided in certain situations and service cost accounting. The cross-sectional study examined 110 TCM services provided in four county TCM public hospitals in Shandong province. From the questionnaire data, a screening index system was established via expert consultation and brainstorming. Comprehensive evaluation of TCM services was performed using the analytic hierarchy process method. Weighted coefficients were used to measure the importance of each criterion, after which comprehensive evaluation scores for each service were ranked to indicate what services should receive priority for financial compensation. Economy value, social value, and efficacy value were the three main criteria for screening for what TCM services should be compensated for. The economy value local weight had the highest value (0.588), of which the profit sub-criterion (0.278) was the most important for TCM financial compensation. Moxibustion was tied for the highest comprehensive evaluation scores, at 0.65 while Acupuncture and Massage Therapy were tied for the second and third highest, with 0.63 and 0.58, respectively. Government and policymakers should consider offer financial compensation to Moxibustion, Acupuncture, Massage Therapy, and TCM Orthopedics as priority services. In the meanwhile, it is essential to correct the unreasonable pricing, explore compensation methods, objects and payment, and revise and improve the accounting system for the costs of TCM services. Copyright © 2015 Elsevier Ltd. All rights reserved.

  12. [Frequency and consequences of financial problems in patients undergoing outpatient psychosomatic treatment].

    PubMed

    Wagner, Stefanie; Münster, Eva; Beutel, Manfred E

    2010-01-01

    About seven million people in Germany are affected by overindebtedness and insolvency. Being severely in debt is a very stressful situation that can result in social marginalisation, reducted overall activity, and physical and mental illness. The present study investigated the frequency of financial problems and their effects on physical and mental disorders at a university psychosomatic clinic. The study included a total of 659 patients. Their mental status was assessed with the Symptom Checklist (SCL-90-R), their physical status with the Gießener Beschwerdebogen (GBB). 37 percent of the subjects reported experiencing financial problems. We found that subjects with financial problems reported more physical and mental disorders than those without financial problems. Furthermore, therapists more often recommended that patients with financial problems receive inpatient therapy than patients without financial problems. The study suggests that financial problems should be included in any anamnesis, therapeutic recommendation, and actual therapy of patients in psychosomatic treatment.

  13. Reinvigorating the concept of situation in social psychology.

    PubMed

    Reis, Harry T

    2008-11-01

    The concept of situation has a long and venerable history in social psychology. The author argues that recent approaches to the concept of situation have confused certain important elements. Herein, the author proposes that attention to three of these elements will reinvigorate the concept of situation in social psychology: (a) that the analysis of situations should begin with their objective features; (b) that situations should be conceptualized as affordances; and (c) that the interpersonal core of situations, in particular the extent to which they are influenced by relationships, is the proper and most profitable focus for social psychology. These elements are consistent with recent developments in the study of situated social cognition and may help better define social psychology's position within the sciences.

  14. 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

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

    ERIC Educational Resources Information Center

    Ma Prieto, Isabel; Revilla, Elena

    2006-01-01

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

  16. Financial management: a necessary tool for generating cash.

    PubMed

    Humphrey, E; Cilwik, C J

    1994-01-01

    This article is an introduction to four types of financial analysis and a foundation for additional exposure to financial analysis. If you don't like working with numbers, consider hiring an accountant or a qualified industry consultant to help you analyze your business. Eventually, you will learn what financial clues to look for when analyzing your business and how to reach your objectives and generate cash to reinvest in your business.

  17. A Comparative Analysis of Financial Reporting Models for Private and Public Sector Organizations.

    DTIC Science & Technology

    1995-12-01

    The objective of this thesis was to describe and compare different existing and evolving financial reporting models used in both the public and...private sector. To accomplish the objective, this thesis identified the existing financial reporting models for private sector business organizations...private sector nonprofit organizations, and state and local governments, as well as the evolving financial reporting model for the federal government

  18. What socio-demographic factors influence poverty and financial health care access among disabled people in Flanders: a cross-sectional study

    PubMed Central

    2014-01-01

    Background Current literature shows that people with a disability have a lower income than people without a disability. Disabled people often experience difficulties with health care access. The objective of this study is to assess the current financial situation and poverty rate amongst disabled people in Flanders. Furthermore we wanted to analyze factors that contribute to the risk of poverty and problems with financial health care access in adult people with a disability in Flanders. Methods An online and paper survey were constructed and made available through two large organizations for people with different types of disability in Flanders. Descriptive statistics and logistic regression analysis were performed. Results In this convenience sample, 20.9% of the 889 respondents live under the poverty threshold. Important contributing factors to the risk of poverty are having children (OR 3.43, 95% CI 2.10-5.59) and a low level of dependence (OR 16.40, 95% CI 6.21-43.28). 25.2% of the respondents did not access health care because of financial shortcomings. A low level of dependence is one important contributing factor (OR 3.16, 95% CI 1.41-6.98) to limited financial health care access. Conclusion This research confirms that disability is associated with a higher risk of poverty and impaired financial health care access. PMID:24521283

  19. Objectively Optimized Observation Direction System Providing Situational Awareness for a Sensor Web

    NASA Astrophysics Data System (ADS)

    Aulov, O.; Lary, D. J.

    2010-12-01

    There is great utility in having a flexible and automated objective observation direction system for the decadal survey missions and beyond. Such a system allows us to optimize the observations made by suite of sensors to address specific goals from long term monitoring to rapid response. We have developed such a prototype using a network of communicating software elements to control a heterogeneous network of sensor systems, which can have multiple modes and flexible viewing geometries. Our system makes sensor systems intelligent and situationally aware. Together they form a sensor web of multiple sensors working together and capable of automated target selection, i.e. the sensors “know” where they are, what they are able to observe, what targets and with what priorities they should observe. This system is implemented in three components. The first component is a Sensor Web simulator. The Sensor Web simulator describes the capabilities and locations of each sensor as a function of time, whether they are orbital, sub-orbital, or ground based. The simulator has been implemented using AGIs Satellite Tool Kit (STK). STK makes it easy to analyze and visualize optimal solutions for complex space scenarios, and perform complex analysis of land, sea, air, space assets, and shares results in one integrated solution. The second component is target scheduler that was implemented with STK Scheduler. STK Scheduler is powered by a scheduling engine that finds better solutions in a shorter amount of time than traditional heuristic algorithms. The global search algorithm within this engine is based on neural network technology that is capable of finding solutions to larger and more complex problems and maximizing the value of limited resources. The third component is a modeling and data assimilation system. It provides situational awareness by supplying the time evolution of uncertainty and information content metrics that are used to tell us what we need to observe and the

  20. Multiple-object permanence tracking: limitation in maintenance and transformation of perceptual objects.

    PubMed

    Saiki, Jun

    2002-01-01

    Research on change blindness and transsaccadic memory revealed that a limited amount of information is retained across visual disruptions in visual working memory. It has been proposed that visual working memory can hold four to five coherent object representations. To investigate their maintenance and transformation in dynamic situations, I devised an experimental paradigm called multiple-object permanence tracking (MOPT) that measures memory for multiple feature-location bindings in dynamic situations. Observers were asked to detect any color switch in the middle of a regular rotation of a pattern with multiple colored disks behind an occluder. The color-switch detection performance dramatically declined as the pattern rotation velocity increased, and this effect of object motion was independent of the number of targets. The MOPT task with various shapes and colors showed that color-shape conjunctions are not available in the MOPT task. These results suggest that even completely predictable motion severely reduces our capacity of object representations, from four to only one or two.

  1. Sizing Up the Situation

    NASA Technical Reports Server (NTRS)

    2004-01-01

    Hailstorm damage to the Space Shuttle's External Tank inspired a NASA innovation with extensive photography applications. In order to measure the defects caused by the storm, Kennedy Space Center used telephoto lenses to zoom in on the tank and view the damage clearly. However, since there was no reference object in the image, the engineers could not determine the scale of the damage. In photographic situations similar to this, an object, such as a ruler, is placed within the field of view. This allows a person to look at a photograph and have a visual indication of the scale of the objects in it. In the External Tank situation, however, this procedure was not possible. As a solution, Kennedy developed the Scaling and Measurement Device for Photographic Images, which provides a non-intrusive means of adding a scale to a photograph. In addition to meeting Kennedy's needs, scaling images is extremely important in crime and accident scene investigations, oil and chemical tank monitoring, and aerial photography. The innovation consists of a tool that attaches directly to a camera or charge coupled device using a standard screw. Two lasers fitted to the device provide parallel beams that are set 1 inch apart. These lasers enable the device to project a pattern into the field of view. When a photograph is taken, the image of the laser pattern appears, along with the image of the object under investigation, allowing the viewer quantifiable information as to the size of the object. The laser beams are accurate to approximately 200 feet. Windows-based software was developed to work with the scaling device tool. The software provides further techniques to measure objects in photographs and digital images. By using the software, any object in the image can be measured diagonally, vertically, and horizontally. The device and its software enable the user to determine two-dimensional measurements within a photograph.

  2. A Model for Situation and Threat Assessment

    DTIC Science & Technology

    2006-12-01

    CUBRC , Inc.) 8151 Needwood #T103 Derwood, MD 20855 UNITED STATES steinberg@cubrc.org A model is presented for situation and threat assessment...PERFORMING ORGANIZATION NAME(S) AND ADDRESS(ES) Subject Matter Expert (SME) Calspan-UB Research Center ( CUBRC , Inc.) 8151 Needwood #T103 Derwood, MD...1 A Model for Situation and Threat Assessment Alan Steinberg CUBRC , Inc. steinberg@cubrc.org November, 2005 2 Objectives • Advance the state-of

  3. Situative Creativity: Larger Physical Spaces Facilitate Thinking of Novel Uses for Everyday Objects

    ERIC Educational Resources Information Center

    Chan, Joel; Nokes-Malach, Timothy J.

    2016-01-01

    People often use spatial metaphors (e.g., think "laterally," "outside the box") to describe exploration of the problem space during creative problem solving. In this paper, we probe the potential cognitive underpinnings of these spatial metaphors. Drawing on theories of situative cognition, semantic foraging theory, and…

  4. Research on the Undergraduate Financial Engineering Education in China

    ERIC Educational Resources Information Center

    Ma, Haiyong; Zhang, Weiwei

    2011-01-01

    The rapid development of modern economy has put forward higher requirements for financial engineering education. This paper analyzes the status and problems in undergraduate financial engineering education in china, such as indistinct training objective, rigid curriculum structure, and superficial teaching methods, etc. and puts forward…

  5. The Role of Student Financial Aid in Expanding Opportunities for Higher Education in Ohio. Report of the Financial Aid Study Committee.

    ERIC Educational Resources Information Center

    Ohio Board of Regents, Columbus.

    The Financial Aid Study Committee of the Ohio Board of Regents was impaneled in October 1987 to determine if the state's major financial aid investments, principally the Ohio Instructional Grant Program, are an adequate resource in addressing state access objectives. Significant changes in the Ohio economic base have given rise to renewed emphasis…

  6. Representing and reasoning about program in situation calculus

    NASA Astrophysics Data System (ADS)

    Yang, Bo; Zhang, Ming-yi; Wu, Mao-nian; Xie, Gang

    2011-12-01

    Situation calculus is an expressive tool for modeling dynamical system in artificial intelligence, changes in a dynamical world is represented naturally by the notions of action, situation and fluent in situation calculus. Program can be viewed as a discrete dynamical system, so it is possible to model program with situation calculus. To model program written in a smaller core programming language CL, notion of fluent is expanded for representing value of expression. Together with some functions returning concerned objects from expressions, a basic action theory of CL programming is constructed. Under such a theory, some properties of program, such as correctness and termination can be reasoned about.

  7. 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…

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

    PubMed Central

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

    2015-01-01

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

  9. [Financing of regional occupational health service centers: structure and financial criteria in years 2000-2001].

    PubMed

    Rydlewska-Liszkowska, Izabela

    2003-01-01

    The rational planning and financing of occupational health services at the national level have to be based on an appropriate system of information about individual units and their financial status that could illustrate their financial administration. This is required not only in view of the internal needs of public money management, but also in view of the national health accounts. The major task in this regard is to assess the level and structure of financing to individual units and to check the soundness of criteria used in the process of supplying financial means. The results of such an analysis can be a valuable source of information for planning carried out also by the institutions which provide funds to cover the cost of tasks performed by individual units. The aim of the project implemented by the Nofer Institute of Occupational Medicine was to collect, process and analyze data on the level and structure of financing of provincial occupational medicine centers. In this paper, the objectives, methodology and analytical tools are discussed. The results and structural data on the level and structure of financing of regional occupational health services centers covering a two-year period are presented. At the same time, the criteria for allocating funds were identified, which made it possible to evaluate the situation and to propose new solutions.

  10. Financial expectations of first-year veterinary students.

    PubMed

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

    2015-07-15

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

  11. Digital map and situation surface: a team-oriented multidisplay workspace for network enabled situation analysis

    NASA Astrophysics Data System (ADS)

    Peinsipp-Byma, E.; Geisler, Jürgen; Bader, Thomas

    2009-05-01

    System concepts for network enabled image-based ISR (intelligence, surveillance, reconnaissance) is the major mission of Fraunhofer IITB's applied research in the area of defence and security solutions. For the TechDemo08 as part of the NATO CNAD POW Defence against terrorism Fraunhofer IITB advanced a new multi display concept to handle the shear amount and high complexity of ISR data acquired by networked, distributed surveillance systems with the objective to support the generation of a common situation picture. Amount and Complexity of ISR data demands an innovative man-machine interface concept for humans to deal with it. The IITB's concept is the Digital Map & Situation Surface. This concept offers to the user a coherent multi display environment combining a horizontal surface for the situation overview from the bird's eye view, an attached vertical display for collateral information and so-called foveatablets as personalized magic lenses in order to obtain high resolved and role-specific information about a focused areaof- interest and to interact with it. In the context of TechDemo08 the Digital Map & Situation Surface served as workspace for team-based situation visualization and analysis. Multiple sea- and landside surveillance components were connected to the system.

  12. Financial Strain and Mental Health Among Older Adults During the Great Recession.

    PubMed

    Wilkinson, Lindsay R

    2016-07-01

    The economic recession has garnered the interest of many scholars, with much attention being drawn to how the recession has affected labor force participation, household wealth, and even retirement decisions. Certainly, the Great Recession has influenced the financial well-being of older adults, but has it had discernible effects on mental health? This study draws on 5,366 respondents from the Health and Retirement Study (2006-2010) to examine objective and subjective measures of financial well-being in the period surrounding the Great Recession. Guided by cumulative inequality theory, this research investigates whether the economic downturn contributed to worsening anxiety and depressive symptoms over a 4-year period. Results from linear fixed effects models reveal that decreases in objective financial resources were associated with increased financial strain during the Great Recession. Unlike the objective indicators, however, financial strain was a strong and robust predictor of worsening mental health between 2006 and 2010. Building on prior research, this study elucidates the factors that shape financial strain and provides evidence that the Great Recession not only affected the financial well-being of older adults but also had adverse effects on mental health. © The Author 2016. Published by Oxford University Press on behalf of The Gerontological Society of America. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

  13. 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

  14. FINANCIAL LITERACY, FINANCIAL EDUCATION AND ECONOMIC OUTCOMES.

    PubMed

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

    2013-05-01

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

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

    PubMed

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

    2017-07-04

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

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

    PubMed

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

    2017-01-01

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

  17. Providing Focus for Financial Management.

    ERIC Educational Resources Information Center

    Falender, Andrew J.

    1983-01-01

    A case study of financial turnaround at the highly specialized New England Conservatory of Music describes five strategies to balance costs and resources within the framework of the school's objectives. Areas of cost minimizing and revenue maximizing are outlined and discussed. (MSE)

  18. Disease-related social situation in family of children with chronic kidney disease--parents` assessment. A multicentre study.

    PubMed

    Kiliś-Pstrusińska, Katarzyna; Medyńska, Anna; Adamczyk, Piotr; Bałasz-Chmielewska, Irena; Grenda, Ryszard; Kluska-Jóźwiak, Agnieszka; Leszczyńska, Beata; Olszak-Szot, Ilona; Miklaszewska, Monika; Szczepańska, Maria; Tkaczyk, Marcin; Wasilewska, Anna; Zachwieja, Katarzyna; Zajączkowska, Maria; Ziółkowska, Helena; Zagożdżon, Ilona; Zwolińska, Danuta

    2014-01-01

    Chronic kidney disease (CKD) in children burdens life of patients and their families. Little is known about parents` assessment of families' social situation. However, the knowledge of the details of a patient's and his family's life standards might influence modification and optimization of applied therapy. Therefore, the main goal of the present study was to explore the selected elements of life situation of patients suffering with CKD as well as their parents, depending on the CKD stage and appropriate treatment. Cross-sectional national study was conducted. A total of 203 children with CKD and 388 their parent-proxies (196 women and 192 men) were enrolled into this study. Patient data and questionnaires filled by both parents, concerning social-demographic parameters and assessment of changes in families after CKD diagnosis in the child, were analysed. CKD children are being brought up in proper families whose financial situation is not good. Children need help in process of education. Perception of current situation differed between both parents in the change of the income source, taking care of CKD child, change in social relations and evaluating relations with medical staff. Parents do not obtain proper support from social workers. Families of CKD children require support in area of financial and educational help for school children. The discrepancies in evaluation of family situation between mothers and fathers of ill children might be the source of conflicts possibly resulting in worsening the outcome for CKD children.

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

    PubMed

    Berger, Ellie D; Denton, Margaret A

    2004-01-01

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

  20. Planning for positive clinical & financial returns with telemonitoring.

    PubMed

    Wright, Kristy

    2003-10-01

    Telemonitoring is a burgeoning market in the home care industry. Making the decision to invest in telemonitoring technology can be difficult in the best situations. The financial investment is significant, the risks can be high, and the need to achieve a positive return is critical to future success. In spite of the risks, this relatively new technology in home care holds the promise for the redefinition of the industry.

  1. Financial Reporting of Government Property in the Custody of Contractors

    DTIC Science & Technology

    1997-08-04

    financial reporting of Government property, and we assessed compliance with applicable laws and regulations. This report addresses the use of the Contract...Property Management System for financial reporting of Government property. Issuance of this report does not complete our announced audit objectives. We

  2. Financial hardship associated with colorectal cancer survivorship: the role of asset depletion and debt accumulation.

    PubMed

    Hanly, Paul; Maguire, Rebecca; Ceilleachair, Alan O; Sharp, Linda

    2018-05-31

    To estimate the prevalence of financial objective stress and subjective strain among colorectal cancer survivors and assess associated financial coping factors in Ireland which has a mixed public-private healthcare system. Colorectal cancer survivors were identified from the National Cancer Registry and a sample of 496 respondents were included in the analysis. A postal survey collected information on survivor demographics, socio-economic background, medical characteristics, cancer-related financial hardship, debt accumulation and asset depletion. Cancer-related financial objective stress and subjective strain were employed as dependent variables in logistic regression analysis. Approximately two in five survivors experienced objective stress (40.9%) or subjective strain (39.4%). Depletion of savings (49.1%) was the most prevalent form of financial coping strategy. Factors significantly associated with increased objective stress were having a stoma (OR=2.1, 95% CI 1.1-3.9), using savings (OR=9.4, 95% CI 4.9-18.0), formally borrowing money (OR=3.1, 95% CI 1.0-9.6) and loans from family members/friends (OR=3.8, 95% CI 1.9-7.8). Not working (excluding retirees) (OR=0.44, 95% CI 0.20-0.96) was associated with decreased objective stress. Significant predictors of subjective strain included having dependents, a stoma, using savings (OR=5.3 95% CI 2.9-9.5) and loans from family members/friends (OR=2.0, 95% CI 1.1-3.9), but excluded borrowing money. Cancer-related financial objective stress and subjective strain are common in colorectal cancer survivors, even where all citizens are entitled to publicly-funded care, but the financial coping strategies significantly associated with these two measures differed. These findings will help inform targeted measures across disparate health care systems, and survivor groups, to alleviate financial hardship. This article is protected by copyright. All rights reserved.

  3. Conceptual and Empirical Approaches to Financial Decision-making by Older Adults: Results from a Financial Decision-making Rating Scale.

    PubMed

    Lichtenberg, Peter A; Ocepek-Welikson, Katja; Ficker, Lisa J; Gross, Evan; Rahman-Filipiak, Analise; Teresi, Jeanne A

    2018-01-01

    The objectives of this study were threefold: (1) to empirically test the conceptual model proposed by the Lichtenberg Financial Decision-making Rating Scale (LFDRS); (2) to examine the psychometric properties of the LFDRS contextual factors in financial decision-making by investigating both the reliability and convergent validity of the subscales and total scale, and (3) extending previous work on the scale through the collection of normative data on financial decision-making. A convenience sample of 200 independent function and community dwelling older adults underwent cognitive and financial management testing and were interviewed using the LFDRS. Confirmatory factor analysis, internal consistency measures, and hierarchical regression were used in a sample of 200 community-dwelling older adults, all of whom were making or had recently made a significant financial decision. Results confirmed the scale's reliability and supported the conceptual model. Convergent validity analyses indicate that as hypothesized, cognition is a significant predictor of risk scores. Financial management scores, however, were not predictive of decision-making risk scores. The psychometric properties of the LFDRS support the scale's use as it was proposed. The LFDRS instructions and scale are provided for clinicians to use in financial capacity assessments.

  4. Perceptions and experiences of financial incentives: a qualitative study of dialysis care in England.

    PubMed

    Abma, Inger; Jayanti, Anuradha; Bayer, Steffen; Mitra, Sandip; Barlow, James

    2014-02-12

    The objective of the study was to understand the extent to which financial incentives such as Payment by Results and other payment mechanisms motivate kidney centres in England to change their practices. The study followed a qualitative design. Data collection involved 32 in-depth semistructured interviews with healthcare professionals and managers, focusing on their subjective experience of payment structures. Participants were kidney healthcare professionals, clinical directors, kidney centre managers and finance managers. Healthcare commissioners from different parts of England were also interviewed. Participants worked at five kidney centres from across England. The selection was based on the prevalence of home haemodialysis, ranging from low (<3%), medium (5-8%) and high (>8%) prevalence, with at least one centre in each one of these categories at the time of selection. While the tariff for home haemodialysis is not a clear incentive for its adoption due to uncertainty about operational costs, Commissioning for Quality and Innovation (CQUIN) targets and the Best Practice Tariff for vascular access were seen by our case study centres as a motivator to change practices. The impact of financial incentives designed at a policy level is influenced by the understanding of cost and benefits at the local operational level. In a situation where costs are unclear, incentives which are based on the improvement of profit margins have a smaller impact than incentives which provide an additional direct payment, even if this extra financial support is relatively small.

  5. The case for comparability in financial reporting.

    PubMed

    Harmer, W G

    1992-03-01

    Government-owned organizations are accountable to citizens and their elected representatives. These organizations must provide financial information that will help in determining whether they are effectively pursuing their primary goal, which is to promote the general welfare. Regardless of the kind of service provided by a government-owned organization, the information needs of citizens and their elected representatives must be considered when developing accounting rules. If these needs are ignored or compromised in favor of the needs of other users, such as investors or creditors (the primary users of business financial reports), then financial reporting by government-owned organizations will not meet its objectives.

  6. Wasteful use of financial resources in public hospitals in Turkey: a trend analysis.

    PubMed

    Ozgulbas, Nermin; Kisa, Adnan

    2006-01-01

    The Turkish health system is mainly financed by public sources such as taxes and premiums collected from workers. According to 2003 data, total health expenditures were 4.5% of the country's Gross Domestic Product. Currently, 56% of the system is financed by the Ministry of Health, and services are also provided by the Ministry. The main sources of finance among the Ministry of Health hospitals are general budget contributions made by the Ministry and revolving funds. The purpose of this study is to evaluate the financial conditions of those Ministry of Health hospitals that have revolving funds. The financial trends of 2514 hospitals were followed from 1996 to 2000, and financial statement analyses were conducted. The results of the study show that the Ministry of Health hospitals are not professionally administered for their financial situation and also that their financial resources are not used effectively. The hospitals had difficulty in collecting debts and had problems in cash returns. At the end of the study, policy suggestions are made for health care managers toward improving financial conditions in these public hospitals.

  7. Strategic business planning linking strategy with financial reality.

    PubMed

    Bachrodt, Andrew K; Smyth, J Patrick

    2004-11-01

    To succeed in today's complex and often adverse business environment, a healthcare organization's strategic direction must be calculated, focused, and financially sustainable. Strategic business planning is an essential tool to help organizations focus strategic choices within the financial realities of their environment. An effective strategic business planning cycle includes conducting an assessment, identifying business objectives, developing strategy, conducting an impact analysis, and developing an implementation plan.

  8. Life-course Financial Strain and Health in African-Americans

    PubMed Central

    Thorpe, Roland J; Whitfield, Keith E

    2010-01-01

    Differential exposure to financial strain may explain some differences in population health. However, few studies have examined the cumulative health effect of financial strain across the life-course. Studies that have are limited to self-reported health measures. Our objective was to examine the associations between childhood, adulthood, and life-course, or cumulative, financial strain with disability, lung function, cognition, and depression. In a population-based cross-sectional cohort study of adult African-American twins enrolled in the US Carolina African American Twin Study of Aging (CAATSA), we found that participants who reported financial strain as children and as adults are more likely to be physically disabled, and report more depressive symptoms than their unstrained counterparts. Participants who reported childhood financial strain had lower cognitive functioning than those with no childhood financial strain. We were unable to detect a difference in lung function beyond the effect of actual income and education in those who reported financial strain compared to those who did not. Financial strain in adulthood was more consistently associated with poor health than was childhood financial strain, a finding that suggests targeting adult financial strain could help prevent disability and depression among African-American adults. PMID:20452712

  9. Phantastic objects and the financial market's sense of reality: a psychoanalytic contribution to the understanding of stock market instability.

    PubMed

    Tuckett, David; Taffler, Richard

    2008-04-01

    This paper sets out to explore if standard psychoanalytic thinking based on clinical experience can illuminate instability in financial markets and its widespread human consequences. Buying, holding or selling financial assets in conditions of inherent uncertainty and ambiguity, it is argued, necessarily implies an ambivalent emotional and phantasy relationship to them. Based on the evidence of historical accounts, supplemented by some interviewing, the authors suggest a psychoanalytic approach focusing on unconscious phantasy relationships, states of mind, and unconscious group functioning can explain some outstanding questions about financial bubbles which cannot be explained with mainstream economic theories. The authors also suggest some institutional features of financial markets which may ordinarily increase or decrease the likelihood that financial decisions result from splitting off those thoughts which give rise to painful emotions. Splitting would increase the future risk of financial instability and in this respect the theory with which economic agents in such markets approach their work is important. An interdisciplinary theory recognizing and making possible the integration of emotional experience may be more useful to economic agents than the present mainstream theories which contrast rational and irrational decision-making and model them as making consistent decisions on the basis of reasoning alone.

  10. Reporting and Disclosing Intragovernmental Transactions for the FY 1997 DOD Consolidated Financial Statements.

    DTIC Science & Technology

    1998-09-21

    This report discusses the reporting and disclosing of intragovernmental transactions on FY 1997 DoD Component and FY 1997 DoD Consolidated Financial Statements . The...comply with the law, DoD prepared financial statements for the 16 reporting entities to be included in the FY 1997 DoD Consolidated Financial Statements . The...Consolidated Financial Statement. The overall audit objective was to determine whether the FY 1997 DoD Consolidated Financial Statements were presented

  11. Corporate Health and Wellness and the Financial Bottom Line

    PubMed Central

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

    2016-01-01

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

  12. Determining factors that contribute to financial literacy for small and medium enterprises

    NASA Astrophysics Data System (ADS)

    Hakim, M. S.; Oktavianti, V.; Gunarta, I. K.

    2018-04-01

    Financial literacy on the SME owner/manager will subsequently improve the profitability of SME. Although, numerous research had existed in financial literacy subject, there are still limited research that examined the factor related to financial literacy. In this paper, we are examining demographic and SME factor that contribute to financial literacy using linear regression. Other objective of this paper is to confirm the benefit of financial literacy on access to credit. The finding shown that for demographic factor, level of education is contributed to financial literacy. The second finding is that level of financial literacy is related with greater degree of access to credit

  13. Assessing personal financial management in patients with bipolar disorder and its relation to impulsivity and response inhibition.

    PubMed

    Cheema, Marvi K; MacQueen, Glenda M; Hassel, Stefanie

    2015-01-01

    Impulsivity and risk-taking behaviours are reported in bipolar disorder (BD). We examined whether financial management skills are related to impulsivity in patients with BD. We assessed financial management skills using the Executive Personal Finance Scale (EPFS), impulsivity using the Barratt Impulsiveness Scale (BIS) and response inhibition using an emotional go/no-go task in bipolar individuals (N = 21) and healthy controls (HC; N = 23). Patients had fewer financial management skills and higher levels of impulsivity than HC. In patients and controls, increased impulsivity was associated with poorer personal financial management. Patients and HC performed equally on the emotional go/no-go task. Higher BIS scores were associated with faster reaction times in HC. In patients, however, higher BIS scores were associated with slower reaction times, possibly indicating compensatory cognitive strategies to counter increased impulsivity. Patients with BD may have reduced abilities to manage personal finances, when compared against healthy participants. Difficulty with personal finance management may arise in part as a result of increased levels of impulsivity. Patients may learn to compensate for increased impulsivity by modulating response times in our experimental situations although whether such compensatory strategies generalize to real-world situations is unknown.

  14. Promoting Access to Finance by Empowering Consumers--Financial Literacy in Developing Countries

    ERIC Educational Resources Information Center

    Kefela, Ghirmai T.

    2010-01-01

    This paper is an effort to establish the financial sector in developing countries to promote financial literacy of their customers. This could have access to finance and savings, which in turn support livelihoods, economic growth, sound financial systems, and participate in the economy. The main objectives of this paper is to enhance a bank's…

  15. Research on energy stock market associated network structure based on financial indicators

    NASA Astrophysics Data System (ADS)

    Xi, Xian; An, Haizhong

    2018-01-01

    A financial market is a complex system consisting of many interacting units. In general, due to the various types of information exchange within the industry, there is a relationship between the stocks that can reveal their clear structural characteristics. Complex network methods are powerful tools for studying the internal structure and function of the stock market, which allows us to better understand the stock market. Applying complex network methodology, a stock associated network model based on financial indicators is created. Accordingly, we set threshold value and use modularity to detect the community network, and we analyze the network structure and community cluster characteristics of different threshold situations. The study finds that the threshold value of 0.7 is the abrupt change point of the network. At the same time, as the threshold value increases, the independence of the community strengthens. This study provides a method of researching stock market based on the financial indicators, exploring the structural similarity of financial indicators of stocks. Also, it provides guidance for investment and corporate financial management.

  16. Financial satisfaction and financial stressors in marital satisfaction.

    PubMed

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

    2011-04-01

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

  17. Observer Interface Analysis for Standardization to a Cloud Based Real-Time Space Situational Awareness (SSA)

    NASA Astrophysics Data System (ADS)

    Eilers, J.

    2013-09-01

    The interface analysis from an observer of space objects makes a standard necessary. This standardized dataset serves as input for a cloud based service, which aimed for a near real-time Space Situational Awareness (SSA) system. The system contains all advantages of a cloud based solution, like redundancy, scalability and an easy way to distribute information. For the standard based on the interface analysis of the observer, the information can be separated in three parts. One part is the information about the observer e.g. a ground station. The next part is the information about the sensors that are used by the observer. And the last part is the data from the detected object. Backbone of the SSA System is the cloud based service which includes the consistency check for the observed objects, a database for the objects, the algorithms and analysis as well as the visualization of the results. This paper also provides an approximation of the needed computational power, data storage and a financial approach to deliver this service to a broad community. In this context cloud means, neither the user nor the observer has to think about the infrastructure of the calculation environment. The decision if the IT-infrastructure will be built by a conglomerate of different nations or rented on the marked should be based on an efficiency analysis. Also combinations are possible like starting on a rented cloud and then go to a private cloud owned by the government. One of the advantages of a cloud solution is the scalability. There are about 3000 satellites in space, 900 of them are active, and in total there are about ~17.000 detected space objects orbiting earth. But for the computation it is not a N(active) to N problem it is more N(active) to N(apo peri) quantity of N(all). Instead of 15.3 million possible collisions to calculate a computation of only approx. 2.3 million possible collisions must be done. In general, this Space Situational Awareness System can be used as a

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

    PubMed

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

    2012-09-01

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

  19. Human Factors in Financial Trading: An Analysis of Trading Incidents.

    PubMed

    Leaver, Meghan; Reader, Tom W

    2016-09-01

    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. 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. 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. 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. 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. This research provides data crucial for ameliorating risk within financial trading organizations, with implications for regulation and policy. © 2016, Human Factors and Ergonomics Society.

  20. Life-course financial strain and health in African-Americans.

    PubMed

    Szanton, Sarah L; Thorpe, Roland J; Whitfield, Keith

    2010-07-01

    Differential exposure to financial strain may explain some differences in population health. However, few studies have examined the cumulative health effect of financial strain across the life-course. Studies that have are limited to self-reported health measures. Our objective was to examine the associations between childhood, adulthood, and life-course, or cumulative, financial strain with disability, lung function, cognition, and depression. In a population-based cross-sectional cohort study of adult African-American twins enrolled in the US Carolina African American Twin Study of Aging (CAATSA), we found that participants who reported financial strain as children and as adults are more likely to be physically disabled, and report more depressive symptoms than their unstrained counterparts. Participants who reported childhood financial strain had lower cognitive functioning than those with no childhood financial strain. We were unable to detect a difference in lung function beyond the effect of actual income and education in those who reported financial strain compared to those who did not. Financial strain in adulthood was more consistently associated with poor health than was childhood financial strain, a finding that suggests targeting adult financial strain could help prevent disability and depression among African-American adults. Copyright 2010 Elsevier Ltd. All rights reserved.

  1. 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,"…

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

    PubMed

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

    2017-04-01

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

  3. Financial capacity in dementia: a systematic review.

    PubMed

    Sudo, Felipe Kenji; Laks, Jerson

    2017-07-01

    Financial capacity (FC) refers to a set of cognitively mediated abilities related to one's competency to manage propriety and income. Identifying intact from impaired FC in older persons with dementia is a growing concern in geriatric practice, but the best methods to assess this function still need to be determined. This study aims to review data on FC in dementia and on instruments used to assess this domain of capacity. Database search was performed in Medline, ISI Web of Knowledge, LILACS and PsycINFO. Studies that objectively assessed FC in dementia of any etiology were included. Of a total of 125 articles, 10 were included. Mild Alzheimer's Disease (AD) was associated with impaired complex FC abilities, namely checkbook management, bank statement management and financial judgment, but simple FC skills were preserved. Moderate AD was associated with impairment in all domains of FC. The Financial Capacity Instrument (FCI) was applied in most of the selected studies and correlated with neuropsychological and neuroimaging variables. Early dementia is associated with partially preserved FC. More validation studies using objective and evidence-based FC assessment tools, such as the FCI, are still needed.

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

    PubMed Central

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

    2014-01-01

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

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

    PubMed

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

    2014-01-01

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

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

    PubMed Central

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

    2016-01-01

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

  7. Developing Knowledge through Practical Experience: The Principles of Financial Sustainability for Online Programs

    ERIC Educational Resources Information Center

    Meyer, Katrina A.; Bruwelheide, Janis; Poulin, Russell

    2007-01-01

    Following the theory of situated cognition as proposed by Brown, Collins, and Duguid (1998), this research project tapped into the contextual knowledge of experienced administrators of online programs. Draft principles of financial sustainability for online programs were developed by an initial team of experienced online educators and then…

  8. Current situation of oil refinery in Bulgaria

    NASA Astrophysics Data System (ADS)

    Vershkova, Elena; Petkova, Petinka; Grinkevich, Anastasia

    2016-09-01

    This article deals with the classification approach for oil refineries in international practices. Criteria of refinery estimation group, including its financial status estimation, have been investigated. The analysis object is “Lukoil Neftochim Bourgas” AD (LNCHB) activity. This company is a leading enterprise in Bulgaria. The analysis of LNCHB operating: energy intensity index; index of operating costs and return on investment index have been performed.

  9. [Reliability and validity of the Chinese version on Comprehensive Scores for Financial Toxicity based on the patient-reported outcome measures].

    PubMed

    Yu, H H; Bi, X; Liu, Y Y

    2017-08-10

    Objective: To evaluate the reliability and validity of the Chinese version on comprehensive scores for financial toxicity (COST), based on the patient-reported outcome measures. Methods: A total of 118 cancer patients were face-to-face interviewed by well-trained investigators. Cronbach's α and Pearson correlation coefficient were used to evaluate reliability. Content validity index (CVI) and exploratory factor analysis (EFA) were used to evaluate the content validity and construct validity, respectively. Results: The Cronbach's α coefficient appeared as 0.889 for the whole questionnaire, with the results of test-retest were between 0.77 and 0.98. Scale-content validity index (S-CVI) appeared as 0.82, with item-content validity index (I-CVI) between 0.83 and 1.00. Two components were extracted from the Exploratory factor analysis, with cumulative rate as 68.04% and loading>0.60 on every item. Conclusion: The Chinese version of COST scale showed high reliability and good validity, thus can be applied to assess the financial situation in cancer patients.

  10. Financial abuse of older people by a family member: a difficult terrain for service providers in Australia.

    PubMed

    Adams, Valerie Margaret; Bagshaw, Dale; Wendt, Sarah; Zannettino, Lana

    2014-01-01

    Financial abuse by a family member is the most common form of abuse experienced by older Australians, and early intervention is required. National online surveys of 228 chief executive officers and 214 aged care service providers found that, while they were well placed to recognize financial abuse, it was often difficult to intervene successfully. Problems providers encountered included difficulties in detecting abuse, the need for consent before they could take action, the risk that the abusive family member would withdraw the client from the service, and a lack of resources to deal with the complexities inherent in situations of financial abuse.

  11. Best Practices for Audit and Financial Advisory Committees Within the Department of Defense

    DTIC Science & Technology

    2007-12-06

    oversight of an organization’s annual financial statement audit, risk management plan, internal control framework, and compliance with external...is generally responsible for providing independent oversight of an organization’s annual financial statement audit, risk management plan, internal...achieving financial management objectives and identify areas of risk or concern. 40 11.2. Systems of Internal Controls

  12. Big data for space situation awareness

    NASA Astrophysics Data System (ADS)

    Blasch, Erik; Pugh, Mark; Sheaff, Carolyn; Raquepas, Joe; Rocci, Peter

    2017-05-01

    Recent advances in big data (BD) have focused research on the volume, velocity, veracity, and variety of data. These developments enable new opportunities in information management, visualization, machine learning, and information fusion that have potential implications for space situational awareness (SSA). In this paper, we explore some of these BD trends as applicable for SSA towards enhancing the space operating picture. The BD developments could increase in measures of performance and measures of effectiveness for future management of the space environment. The global SSA influences include resident space object (RSO) tracking and characterization, cyber protection, remote sensing, and information management. The local satellite awareness can benefit from space weather, health monitoring, and spectrum management for situation space understanding. One area in big data of importance to SSA is value - getting the correct data/information at the right time, which corresponds to SSA visualization for the operator. A SSA big data example is presented supporting disaster relief for space situation awareness, assessment, and understanding.

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

    PubMed

    Dalsted, N L

    1995-07-01

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

  14. Financial interest and its disclosure in scientific publications.

    PubMed

    Krimsky, S; Rothenberg, L S

    1998-07-15

    Journal policies and requirements of funding agencies on financial disclosure of authors and grant applicants have divided editors and scientists who disagree on whether such policies can improve the integrity of science or manage conflicts of interest. Those opposed to such disclosure policies argue that financial interest is one of many interests held by scientists, is the least scientifically dangerous, and should not be singled out. Those who favor open reporting of financial interests argue that full disclosure removes the suspicion that something of relevance to objectivity is being hidden and allows readers to form their own opinions on whether a conflict of interest exists and what relevance that has to the study. The authors believe that the scientific community and the public will be best served by open publication of financial disclosures for readers and reviewers to evaluate.

  15. In place of fear: aligning health care planning with system objectives to achieve financial sustainability.

    PubMed

    Birch, Stephen; Murphy, Gail Tomblin; MacKenzie, Adrian; Cumming, Jackie

    2015-04-01

    The financial sustainability of publicly funded health care systems is a challenge to policymakers in many countries as health care absorbs an ever increasing share of both national wealth and government spending. New technology, aging populations and increasing public expectations of the health care system are often cited as reasons why health care systems need ever increasing funding as well as reasons why universal and comprehensive public systems are unsustainable. However, increases in health care spending are not usually linked to corresponding increases in need for care within populations. Attempts to promote financial sustainability of systems such as limiting the range of services is covered or the groups of population covered may compromise their political sustainability as some groups are left to seek private cover for some or all services. In this paper, an alternative view of financial sustainability is presented which identifies the failure of planning and management of health care to reflect needs for care in populations and to integrate planning and management functions for health care expenditure, health care services and the health care workforce. We present a Health Care Sustainability Framework based on disaggregating the health care expenditure into separate planning components. Unlike other approaches to planning health care expenditure, this framework explicitly incorporates population health needs as a determinant of health care requirements, and provides a diagnostic tool for understanding the sources of expenditure increase. © The Author(s) 2014 Reprints and permissions: sagepub.co.uk/journalsPermissions.nav.

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

    PubMed

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

    2012-08-01

    The purpose of this study was to test the relationships between financial socialization agents, financial experiences, money attitudes, demographic characteristics, and the financial literacy of Korean adolescents. Using the 2006 Korean National Financial Literacy Test Survey for Adolescents (N = 1185), a series of regression analyses were performed to determine the factors related to financial literacy. It was found that those who chose media as their primary financial socialization agent, and those who had a bank account, exhibited higher levels of financial literacy. Among the sample, those who saw money as good or as a reward for efforts tended to report higher levels of financial literacy, while those perceiving money in terms of avoidance or achievement had lower levels of financial literacy. Students with mid-range monthly allowances showed higher levels of financial literacy compared to the highest allowance group. Implications for financial educators, policy makers, and researchers are provided. Copyright © 2012 The Foundation for Professionals in Services for Adolescents. Published by Elsevier Ltd. All rights reserved.

  17. New Strategies for Financial Management in Universities: The Experience of OECD Member Countries and Latin American Countries. IIEP Contribution No. 27.

    ERIC Educational Resources Information Center

    Sanyal, Bikas C.; Martin, Michaela

    In many countries there have been major changes in the financial operations of the university. Change has occurred in the context of diminishing public resources, and this has translated, in most cases, into financial constraint within the university. This situation has led to pressure from the government, and from within the university itself in…

  18. Malpractice paid losses and financial performance of nursing homes.

    PubMed

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

    2011-01-01

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

  19. Compilation Process for the DOD Consolidated Financial Statements for FY 1997.

    DTIC Science & Technology

    1998-09-24

    we issued a disclaimer of opinion on the DoD Consolidated Financial Statements for FY 1997. We issued our reports on internal controls and compliance...with laws and regulations on June 22, 1998. The overall audit objective was to determine whether the DoD Consolidated Financial Statements for FY 1997

  20. The financial impact of heparin-induced thrombocytopenia.

    PubMed

    Smythe, Maureen A; Koerber, John M; Fitzgerald, Maureen; Mattson, Joan C

    2008-09-01

    Heparin-induced thrombocytopenia (HIT) is an adverse drug reaction that increases patient morbidity and mortality. The financial impact of HIT to an institution is thought to be significant. The objective of this study was to evaluate the financial impact of HIT. A case-control study was employed. Case patients were identified as newly diagnosed HIT patients. Control subjects were matched by diagnosis-related group, primary diagnosis code, primary procedure code, and hospital admission date. The financial/decision support database of the hospital was queried to identify the matched control subjects, total cost, and reimbursement. The determination of financial impact included the total profit or (total loss) and the backfill effect (ie, the lost operating margin resulting from increased length of stay). Length of stay and mortality were compared. Data from 22 case patients and 255 control subjects were analyzed. On average, HIT case patients incurred a financial loss of $14,387 per patient and an increase in length of stay of 14.5 days. When confining the analysis to only Medicare case patients (n = 17) and Medicare control subjects, case patients incurred a financial loss of $20,170 per case and an increase in length of stay of 15.8 days. Depending on the occupancy rate of the institution, additional financial loss could result from the backfill effect. Mortality was not significantly affected. For an institution that sees 50 new cases of HIT per year, the projected annual financial impact ranges from approximately $700,000 to $1 million. Institutions with high bed occupancy rates may see an additional loss from the backfill effect.

  1. Financial sustainability planning for immunization services in Cambodia.

    PubMed

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

    2006-07-01

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

  2. The financial burden and distress of patients with cancer: Understanding and stepping-up action on the financial toxicity of cancer treatment.

    PubMed

    Carrera, Pricivel M; Kantarjian, Hagop M; Blinder, Victoria S

    2018-03-01

    "Financial toxicity" has now become a familiar term used in the discussion of cancer drugs, and it is gaining traction in the literature given the high price of newer classes of therapies. However, as a phenomenon in the contemporary treatment and care of people with cancer, financial toxicity is not fully understood, with the discussion on mitigation mainly geared toward interventions at the health system level. Although important, health policy prescriptions take time before their intended results manifest, if they are implemented at all. They require corresponding strategies at the individual patient level. In this review, the authors discuss the nature of financial toxicity, defined as the objective financial burden and subjective financial distress of patients with cancer, as a result of treatments using innovative drugs and concomitant health services. They discuss coping with financial toxicity by patients and how maladaptive coping leads to poor health and nonhealth outcomes. They cover management strategies for oncologists, including having the difficult and urgent conversation about the cost and value of cancer treatment, availability of and access to resources, and assessment of financial toxicity as part of supportive care in the provision of comprehensive cancer care. CA Cancer J Clin 2018;68:153-165. © 2018 American Cancer Society. © 2018 American Cancer Society.

  3. "Close Readings" of Internet Corporate Financial Reporting: Towards a More Critical Pedagogy on the Information Highway.

    ERIC Educational Resources Information Center

    Amernic, Joel H.

    1998-01-01

    Discusses a curriculum strategy based upon a hierarchy of four close readings of corporate financial reporting Web sites (described as (1) objective characteristics, (2) internet financial reporting as rhetoric, (3) metaphor and thought, and (4) deconstruction) that is proffered as part of a curriculum objective to encourage university business…

  4. Strategic Planning Methodology for Financial Management in the Department of the Navy

    DTIC Science & Technology

    1983-05-24

    objectives for accounting and financial management systems improvement for the Department of the Navy (DON) and for developing DON policy for overall...Strategic Financial Management Plan, in which we have provided recommendations for improving the planning process. This wedge packet is intended to provide a

  5. Attaining Situational Understanding in the Space Domain

    NASA Astrophysics Data System (ADS)

    Schiff, B.; Foster, J.; McShane, W.; Simon, K.

    The information available today in the space domain consists primarily of basic positional, mission, and status data for ground and space based assets. This data provides a necessary, but not sufficient, basis for understanding the true situation of the overall space domain. Experts analyze this information, put it into context with other ongoing events, and then make assessments of the risks posed to allied assets. The potential for unknown, unexpected, and unprecedented situations to overwhelm this manual process is increasing as the number of space faring nations and orbiting objects increases. This paper describes a product family called iSpace that Lockheed has created, and continues to invest in, to help tackle the problems of attaining space information more timely, deriving deeper space situational understanding from the data, and integrating components and tools generated throughout the world-wide industry to contribute towards a comprehensive space solution. We will also update the group on iSpace’s usage in the USSTRATCOM Space Situational Awareness (SSA) Table Top Exercises (TTX), used to explore future SSA cooperation concepts and procedures among allied nations.

  6. Financial statistics of major US investor-owned electric utilities 1994

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

    NONE

    1995-12-01

    The Financial Statistics of Major U.S. Investor-Owned Electric Utilities publication presents summary and detailed financial accounting data on the investor-owned electric utilities. The objective of the publication is to provide Federal and State Governments, industry, and the general public with current and historical data that can be used for making policy and decisions relating to investor-owned electric utility issues.

  7. Innovative solutions: sample financial management business plan: neurosurgical intensive care unit.

    PubMed

    Villanueva-Baldonado, Analiza; Barrett-Sheridan, Shirley E

    2010-01-01

    This article describes one institution's intention to implement a financial management business plan for a neurosurgical intensive care unit in a level I trauma center. The financial objective of this proposed business plan includes a service increase in the patient population requiring critical care in a way that will help control costs.

  8. Report to Congress on an Analysis of Financial Disincentives to Career Choices in Health Professions.

    ERIC Educational Resources Information Center

    Stambler, Howard V., Comp.

    Trends in expenses, financial assistance, and indebtedness for students studying health professions and the effects of financial considerations on career choice were examined. The objective was to determine financial disincentives to graduates of health professions schools that affect their choice of practice specialty or their decision to…

  9. Cross-Situational Learning of Minimal Word Pairs

    ERIC Educational Resources Information Center

    Escudero, Paola; Mulak, Karen E.; Vlach, Haley A.

    2016-01-01

    "Cross-situational statistical learning" of words involves tracking co-occurrences of auditory words and objects across time to infer word-referent mappings. Previous research has demonstrated that learners can infer referents across sets of very phonologically distinct words (e.g., WUG, DAX), but it remains unknown whether learners can…

  10. 49 CFR 26.53 - What are the good faith efforts procedures recipients follow in situations where there are...

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 49 Transportation 1 2014-10-01 2014-10-01 false What are the good faith efforts procedures... TRANSPORTATION FINANCIAL ASSISTANCE PROGRAMS Goals, Good Faith Efforts, and Counting § 26.53 What are the good faith efforts procedures recipients follow in situations where there are contract goals? (a) When you...

  11. 49 CFR 26.53 - What are the good faith efforts procedures recipients follow in situations where there are...

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 49 Transportation 1 2013-10-01 2013-10-01 false What are the good faith efforts procedures... TRANSPORTATION FINANCIAL ASSISTANCE PROGRAMS Goals, Good Faith Efforts, and Counting § 26.53 What are the good faith efforts procedures recipients follow in situations where there are contract goals? (a) When you...

  12. 49 CFR 26.53 - What are the good faith efforts procedures recipients follow in situations where there are...

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 49 Transportation 1 2012-10-01 2012-10-01 false What are the good faith efforts procedures... TRANSPORTATION FINANCIAL ASSISTANCE PROGRAMS Goals, Good Faith Efforts, and Counting § 26.53 What are the good faith efforts procedures recipients follow in situations where there are contract goals? (a) When you...

  13. 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…

  14. 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

  15. Situation Awareness Information Dominance & Information Warfare.

    DTIC Science & Technology

    1997-02-01

    Information warfare and its primary objective of achieving information dominance over enemy forces have arisen as a major area of emphasis for future...military actions. The concept of information dominance and the issues involved in attaining it are explored through a model of situation awareness...directions for the development of systems to support the goal of information dominance can be established.

  16. Financial maturity of paper birch

    Treesearch

    Joseph J. Mendel

    1969-01-01

    One objective in forestry is to earn the greatest possible return on the capital invested in growing timber. To do this, the forester not only must know which silvicultural methods to use, but also ought to know the methods of economic analysis that will help him make the decisions that will lead to the greatest return. The financial maturity concept provides a method...

  17. Risk Management of the English Universities after the 2008 Financial Crisis

    ERIC Educational Resources Information Center

    Yokoyama, Keiko

    2018-01-01

    The objective of the paper is to identify whether the global financial crisis in 2008 re-shaped risk management in the English universities in order to avoid future financial turbulence and manage risk in uncertain and insecure environments. The paper examined changes in the risk management mechanism of the English university system between 2008…

  18. High-Performance Buildings – Value, Messaging, Financial and Policy Mechanisms

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

    McCabe, Molly

    At the request of the Pacific Northwest National Laboratory, an in-depth analysis of the rapidly evolving state of real estate investments, high-performance building technology, and interest in efficiency was conducted by HaydenTanner, LLC, for the U.S. Department of Energy (DOE) Building Technologies Program. The analysis objectives were • to evaluate the link between high-performance buildings and their market value • to identify core messaging to motivate owners, investors, financiers, and others in the real estate sector to appropriately value and deploy high-performance strategies and technologies across new and existing buildings • to summarize financial mechanisms that facilitate increased investment inmore » these buildings. To meet these objectives, work consisted of a literature review of relevant writings, examination of existing and emergent financial and policy mechanisms, interviews with industry stakeholders, and an evaluation of the value implications through financial modeling. This report documents the analysis methodology and findings, conclusion and recommendations. Its intent is to support and inform the DOE Building Technologies Program on policy and program planning for the financing of high-performance new buildings and building retrofit projects.« less

  19. Cross-Situational Word Learning in the Right Situations

    ERIC Educational Resources Information Center

    Dautriche, Isabelle; Chemla, Emmanuel

    2014-01-01

    Upon hearing a novel word, language learners must identify its correct meaning from a diverse set of situationally relevant options. Such referential ambiguity could be reduced through "repetitive" exposure to the novel word across diverging learning situations, a learning mechanism referred to as "cross-situational learning."…

  20. 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…

  1. Financial attitudes, knowledge, and habits of chiropractic students: A descriptive survey

    PubMed Central

    Lorence, Julie; Lawrence, Dana J.; Salsbury, Stacie A.; Goertz, Christine M.

    2014-01-01

    Objective: Our purpose was to describe the financial knowledge, habits and attitudes of chiropractic students. Methods: We designed a cross-sectional survey to measure basic financial knowledge, current financial habits, risk tolerance, and beliefs about future income among 250 students enrolled in business courses at one US chiropractic college. Descriptive statistical analyses were performed. Results: We received 57 questionnaires (23% response rate). Most respondents would accumulate over $125,000 in student loan debt by graduation. Financial knowledge was low (mean 77%). Most respondents (72%) scored as average financial risk takers. Chiropractic students reported recommended short-term habits such as having checking accounts (90%) and health insurance (63%) or paying monthly bills (88%) and credit cards (60%). Few saved money for unplanned expenses (39%) or long-term goals (26%), kept written budgets (32%), or had retirement accounts (19%). Conclusion: These chiropractic students demonstrated inadequate financial literacy and did not engage in many recommended financial habits. PMID:24587498

  2. Determining Relevant Financial Statement Ratios in Department of Defense Service Component General Fund Financial Statements

    DTIC Science & Technology

    2014-06-01

    a . Gross Profit Ratio Modified to Budget Compliance Ratio ....70 b...statements. 1. Objective and Users For a business to make a profit , it is often required to obtain funds from lenders or investors to purchase the...required to determine conclusions regarding the financial position of a business. It is important for users to acknowledge that a ratio analysis is

  3. When Advisors' True Intentions Are in Question. How Do Bank Customers Cope with Uncertainty in Financial Consultancies?

    PubMed

    Mackinger, Barbara; Jonas, Eva; Mühlberger, Christina

    2017-01-01

    When making financial decisions bank customers are confronted with two types of uncertainty: first, return on investments is uncertain and there is a risk of losing money. Second, customers cannot be certain about their financial advisor's true intentions. This might decrease customers' willingness to cooperate with advisors. However, the uncertainty management model and fairness heuristic theory predict that in uncertain situations customers are willing to cooperate with financial advisors when they perceive fairness. In the current study, we investigated how perceived fairness in the twofold uncertain situations increased people's intended future cooperation with an advisor. We asked customers of financial consultancies about their experienced uncertainty regarding both the investment decision and the advisor's intentions. Moreover, we asked them about their perceived fairness, as well as their intention to cooperate with the advisor in the future. A three-way moderation analysis showed that customers who faced high uncertainty regarding the investment decision and high uncertainty regarding the advisor's true intentions indicated the lowest intended cooperation with the advisor but high fairness increased their cooperation. Interestingly, when people were only uncertain about the advisor's intentions (but certain about the decision) they indicated less cooperation than when they were only uncertain about the decision (but certain about the advisor's intentions). A mediated moderation analysis revealed that this relationship was explained by customers' lower trust in their advisors.

  4. 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…

  5. Financial Victimization of Adults With Severe Mental Illness

    PubMed Central

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

    2014-01-01

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

  6. Improving the Quality of Home Visitation: An Exploratory Study of Difficult Situations

    ERIC Educational Resources Information Center

    LeCroy, Craig Winston; Whitaker, Kate

    2005-01-01

    Objective: The primary purpose of this study was to use an ecological assessment model to obtain a better understanding of difficult situations that home visitors confront when implementing home visitation services. Method: A mixed method study was used which included conducting focus groups to identify specific situations faced by home visitors…

  7. Situation Change: Stability and Change of Situation Variables between and within Persons

    PubMed Central

    Rauthmann, John F.; Sherman, Ryne A.

    2016-01-01

    When, how, and why situations flow into one another is important for understanding dynamic personality processes, but the topic of situation change has traditionally been a thorny issue in personality/social psychology. We explore conceptual and methodological issues in research on situation change: (1) What is situation change, which variables could we measure, and how can situation change be methodologically captured and analyzed (at between- and within-person levels)? (2) Which person-situation transaction mechanisms (situation management strategies) could entail stability and change of situations in daily life? (3) How do single or repeated instances of situation change impact short-, middle-, and long-term outcomes (e.g., intra- and interpersonal adjustment)? Besides laying out a research program for situation change, we present preliminary data from participants who wore mini-video cameras recording their situations so that they could be rated later in the lab. We demonstrate rater consensus on when situations change, mean-level changes of situation characteristics across situations, similarity of situation characteristics across adjacent situations, and inter-individual differences in intra-individual situation change in change networks. PMID:26779068

  8. [Support psychotherapy in traumatic situations].

    PubMed

    Pérez-Sales, Pau; Vázquez Valverde, Carmelo

    2003-12-01

    It seems that a certain consensus exists to speak about a traumatic situation as an experience which is made up of a threat on the physical or psychological integrity of a person and against which one responds with fear, desperation and intensive horror. Different psychological phenomena are involved with the manner through which a human being confronts his/her past. In particular, the response to traumatic situations, mourning, and blame share their characteristic of being an irreversible living reality related to facts, loss or past impacts and it is necessary to integrate these in one's life in order to advance; these comprise a triangle frequently coexisting and interconnected. Aid for these three situations has, therefore, as common elements, two premises: an active task is required by the person who suffers this situation; this person must, in some form, desire to move ahead. One can not toil in mourning, in a traumatic experience, or in a life of blame if these have a positive symbolic value for this person; for example, mourning as a manner not to treason the dead person by forgetting that person, the reliving a trauma as an attempt to provide some sense to the actions which occurred, or blame as a desire to not forget an error or as a final punishment of this active task; the final objective of this active task is not usually to forget but to integrate in order to live. If a person does not perceive this clearly, this person may not become actively involved in the task to overcome a traumatic situation and to move ahead, nor will that person accept that a person who tries to help questions this person's realities or experiences.

  9. The Leadership Orientations of Public College and University Chief Financial Officers: A Frame Analysis

    ERIC Educational Resources Information Center

    Hannah, Charles Russell

    2013-01-01

    The role of the chief financial officer (CFO) is critical to the effective leadership of U.S. four-year public colleges and universities. Self-awareness and the capacity to view situations simultaneously in multiple ways and from different perspectives are essential elements of CFO effectiveness and success in the higher education environment. The…

  10. 5 CFR 4001.103 - Prohibited financial interests.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  11. Financial Reporting of Department 97-Funded Property, Plant, and Equipment

    DTIC Science & Technology

    2001-01-31

    consolidated financial statements . Our objective was to determine whether Department 97-funded property, plant, and equipment should be reported on the Military Department or Other Defense Organizations Financial Statements when the funds are allotted to the Military Departments. We also reviewed the coordination procedures at the accounting offices supporting specific Other Defense Organizations to determine how those offices were recording and reporting Department 97-funded property, plant, and

  12. Financial statistics of major U.S. investor-owned electric utilities 1993

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

    Not Available

    1995-01-01

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

  13. Financial circumstances of the elderly in Denmark--now and in the coming years. Pension systems and other economic possibilities.

    PubMed

    Simonsen, S E

    1992-06-01

    The situation concerning pensions in Denmark has been changing in recent years. There is a trend for the population itself has to pay into private pension to ensure a satisfactory financial situation after retirement. There are three categories of pensions and supplementary grants influencing the financial situation of the elderly: social-political grants, labour market political grants, and private arrangements. The national retirement pension is paid to everyone in accordance with certain rules. One condition is residence in Denmark for 40 years after reaching the age of 15. The pension age is 67 years. It is possible to receive early retirement pay or to obtain partial pension from the age of 60. This means that the age for retirement from the labour market on average is 62 years. Supplements to the national pension can be given as a net sum. Such a payment, however, makes it more difficult for the elderly person to overview his or her financial circumstances in retirement. The partial pension is a new form of pension which was introduced in 1986. About 2% of the 60-66 year-olds have taken advantage of this possibility, most of them independent trade men. In contrast, 105,000 wage earners are receiving early retirement pay, which is based on unemployment insurance. Certain considerations apply when the social pension is paid in a gross amount. This amount will not be free of tax. A number of special grants for the elderly will be included in the gross amount of the social pension. A system of that sort will make the financial circumstances of the retired person more clear.(ABSTRACT TRUNCATED AT 250 WORDS)

  14. 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,…

  15. Situations in 140 Characters: Assessing Real-World Situations on Twitter

    PubMed Central

    Serfass, David G.; Sherman, Ryne A.

    2015-01-01

    Over 20 million Tweets were used to study the psychological characteristics of real-world situations over the course of two weeks. Models for automatically and accurately scoring individual Tweets on the DIAMONDS dimensions of situations were developed. Stable daily and weekly fluctuations in the situations that people experience were identified. Predicted temporal trends were found, providing validation for this new method of situation assessment. On weekdays, Duty peaks in the midmorning and declines steadily thereafter while Sociality peeks in the evening. Negativity is highest during the workweek and lowest on the weekends. pOsitivity shows the opposite pattern. Additionally, gender and locational differences in the situations shared on Twitter are explored. Females share both more emotionally charged (pOsitive and Negative) situations, while no differences were found in the amount of Duty experienced by males and females. Differences in the situations shared from Rural and Urban areas were not found. Future applications of assessing situations using social media are discussed. PMID:26566125

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

    PubMed Central

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

    2016-01-01

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

  17. Design and Efficiency Analysis of Operational Scenarios for Space Situational Awareness Radar System

    NASA Astrophysics Data System (ADS)

    Choi, E. J.; Cho, S.; Jo, J. H.; Park, J.; Chung, T.; Park, J.; Jeon, H.; Yun, A.; Lee, Y.

    In order to perform the surveillance and tracking of space objects, optical and radar sensors are the technical components for space situational awareness system. Especially, space situational awareness radar system in combination with optical sensors network plays an outstanding role for space situational awareness. At present, OWL-Net(Optical Wide Field patrol Network) optical system, which is the only infra structures for tracking of space objects in Korea is very limited in all-weather and observation time. Therefore, the development of radar system capable of continuous operation is becoming an essential space situational awareness element. Therefore, for an efficient space situational awareness at the current state, the strategy of the space situational awareness radar development should be considered. The purpose of this paper is to analyze the efficiency of radar system for detection and tracking of space objects. The detection capabilities are limited to an altitude of 2,000 km with debris size of 1 m2 in radar cross section (RCS) for the radar operating frequencies of L, S, C, X, and Ku-band. The power budget analysis results showed that the maximum detection range of 2,000km can be achieved with the transmitted power of 900 kW, transmit and receive antenna gains of 40 dB and 43 dB, respectively, pulse width of 2 ms, and a signal processing gain of 13.3dB, at frequency of 1.3GHz. The required signal-to-noise ratio (SNR) was assumed to be 12.6 dB for probability of detection of 80% with false alarm rate 10-6. Through the efficiency analysis and trade-off study, the key parameters of the radar system are designed. As a result, this research will provide the guideline for the conceptual design of space situational awareness system.

  18. Health promotion capacity mapping: the Korean situation.

    PubMed

    Nam, Eun Woo; Engelhardt, Katrin

    2007-06-01

    Ten years ago the Republic of Korea enacted the National Health Promotion Act, setting the stage for health promotion action in the country. A National Health Promotion Fund was established, financed through tobacco taxes, which is now one of the largest in the world. However, despite abundant financial resources, the infrastructure needed to plan, implement, coordinate and evaluate health promotion efforts is still underdeveloped. Currently, health promotion capacity mapping efforts are emerging in Korea. Two international capacity mapping tools have been used to assess the Korean situation, namely HP-Source and the Health Promotion Capacity Profile, which was developed prior to the sixth Global Conference of Health Promotion, held in August 2005 in Bangkok, Thailand. The article summarizes and discusses the results of the capacity mapping exercise, highlights its challenges and suggest ways to improve the accuracy of health promotion capacity mapping.

  19. Cross-situational statistical word learning in young children.

    PubMed

    Suanda, Sumarga H; Mugwanya, Nassali; Namy, Laura L

    2014-10-01

    Recent empirical work has highlighted the potential role of cross-situational statistical word learning in children's early vocabulary development. In the current study, we tested 5- to 7-year-old children's cross-situational learning by presenting children with a series of ambiguous naming events containing multiple words and multiple referents. Children rapidly learned word-to-object mappings by attending to the co-occurrence regularities across these ambiguous naming events. The current study begins to address the mechanisms underlying children's learning by demonstrating that the diversity of learning contexts affects performance. The implications of the current findings for the role of cross-situational word learning at different points in development are discussed along with the methodological implications of employing school-aged children to test hypotheses regarding the mechanisms supporting early word learning. Copyright © 2014 Elsevier Inc. All rights reserved.

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

    DTIC Science & Technology

    2016-12-01

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

  1. Financial statistics major US publicly owned electric utilities 1996

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

    NONE

    1998-03-01

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

  2. A quantile-based Time at Risk: A new approach for assessing risk in financial markets

    NASA Astrophysics Data System (ADS)

    Bolgorian, Meysam; Raei, Reza

    2013-11-01

    In this paper, we provide a new measure for evaluation of risk in financial markets. This measure is based on the return interval of critical events in financial markets or other investment situations. Our main goal was to devise a model like Value at Risk (VaR). As VaR, for a given financial asset, probability level and time horizon, gives a critical value such that the likelihood of loss on the asset over the time horizon exceeds this value is equal to the given probability level, our concept of Time at Risk (TaR), using a probability distribution function of return intervals, provides a critical time such that the probability that the return interval of a critical event exceeds this time equals the given probability level. As an empirical application, we applied our model to data from the Tehran Stock Exchange Price Index (TEPIX) as a financial asset (market portfolio) and reported the results.

  3. The Intersection of Financial Exploitation and Financial Capacity

    PubMed Central

    Lichtenberg, P.A.

    2016-01-01

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

  4. Gender, academic achievement, and ownership of ATM as predictors of accounting students’ financial literacy

    NASA Astrophysics Data System (ADS)

    Susanti; Hardini, H. T.

    2018-01-01

    This study examined the relationships between GPA, gender, and ownership of ATM on accounting students’ financial literacy (n = 184). Financial literacy was assessed using a paper-and-pencil objective (multiple choice) test measuring general knowledge of finance, income, money management savings, loans, and investment. Gender and GPA data were obtained from the university records. Regression analysis found that GPA and ownership of ATM were associated with financial literacy, but gender was not. Female students with an ownership of ATM and those with a high GPA were found to be superior to males. The implication of this research is that students are expected to increase their GPA and utilize financial facilities in the form of ownership ATM and other financial instruments so as to increase financial literacy. In addition, the need for financial literacy training from related parties to improve financial literacy for students who have low financial literacy.

  5. 5 CFR 3401.102 - Prohibited financial interests.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... mutual fund or other collective investment fund, or in a widely held pension or similar fund, provided that the fund's prospectus does not indicate the objective or practice of concentrating its investments... exercises control nor has the ability to exercise control over the financial interests held in the fund. (2...

  6. 5 CFR 3401.102 - Prohibited financial interests.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... mutual fund or other collective investment fund, or in a widely held pension or similar fund, provided that the fund's prospectus does not indicate the objective or practice of concentrating its investments... exercises control nor has the ability to exercise control over the financial interests held in the fund. (2...

  7. Situating emotional experience

    PubMed Central

    Wilson-Mendenhall, Christine D.; Barrett, Lisa Feldman; Barsalou, Lawrence W.

    2013-01-01

    Psychological construction approaches to emotion suggest that emotional experience is situated and dynamic. Fear, for example, is typically studied in a physical danger context (e.g., threatening snake), but in the real world, it often occurs in social contexts, especially those involving social evaluation (e.g., public speaking). Understanding situated emotional experience is critical because adaptive responding is guided by situational context (e.g., inferring the intention of another in a social evaluation situation vs. monitoring the environment in a physical danger situation). In an fMRI study, we assessed situated emotional experience using a newly developed paradigm in which participants vividly imagine different scenarios from a first-person perspective, in this case scenarios involving either social evaluation or physical danger. We hypothesized that distributed neural patterns would underlie immersion in social evaluation and physical danger situations, with shared activity patterns across both situations in multiple sensory modalities and in circuitry involved in integrating salient sensory information, and with unique activity patterns for each situation type in coordinated large-scale networks that reflect situated responding. More specifically, we predicted that networks underlying the social inference and mentalizing involved in responding to a social threat (in regions that make up the “default mode” network) would be reliably more active during social evaluation situations. In contrast, networks underlying the visuospatial attention and action planning involved in responding to a physical threat would be reliably more active during physical danger situations. The results supported these hypotheses. In line with emerging psychological construction approaches, the findings suggest that coordinated brain networks offer a systematic way to interpret the distributed patterns that underlie the diverse situational contexts characterizing emotional

  8. Marshall Space Flight Center Technology Capabilities for Use in Space Situational Awareness Activities

    NASA Technical Reports Server (NTRS)

    Gagliano, Larry; McLeod, Todd; Hovater, Mary A.

    2017-01-01

    Marshall performs research, integrates information, matures technologies, and enhances science to bring together a diverse portfolio of products and services of interest for Space Situational Awareness (SSA) and Space Asset Management (SAM), all of which can be accessed through partnerships with Marshall. Integrated Space Situational Awareness and Asset Management (ISSAAM) is an initiative of NASA's Marshall Space Flight Center to improve space situational awareness and space asset management through technical innovation, collaboration, and cooperation with U.S. Government agencies and the global space community. Marshall Space Flight Center provides solutions for complex issues with in-depth capabilities, a broad range of experience, and expertise unique in the world, and all available in one convenient location. NASA has longstanding guidelines that are used to assess space objects. Specifically, Marshall Space Flight Center has the capabilities, facilities and expertise to address the challenges that space objects, such as near-Earth objects (NEO) or Orbital Debris pose. ISSAAM's three pronged approach brings together vital information and in-depth tools working simultaneously toward examining the complex problems encountered in space situational awareness. Marshall's role in managing, understanding and planning includes many projects grouped under each prong area: Database/Analyses/Visualization; Detection/Tracking/ Mitigation/Removal. These are not limited to those listed below.

  9. 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,…

  10. 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…

  11. Using Financial Ratios to Select Companies for Tax Auditing: A Preliminary Study

    NASA Astrophysics Data System (ADS)

    Marghescu, Dorina; Kallio, Minna; Back, Barbro

    Tax auditing procedures include an investigation of the accounting records of a company and of other sources of information in order to assess whether the taxation has been based on correct and complete information. When there are found discrepancies between the accounting information and the real situation, the taxation should be corrected so that the eventual tax defaults are assessed and debited. The paper analyzes to what extent the financial performance of a company can be used as an indicator of tax defaults. We focus on one type of tax, namely employer's contribution, and four financial ratios. We evaluate the model in a study of Finnish companies by using a binomial logistic regression analysis. The study is exploratory and at a preliminary stage.

  12. Determining business models for financial sustainability in regional health information organizations (RHIOs): a review.

    PubMed

    Maffei, Roxana; Burciago, Daniel; Dunn, Kim

    2009-10-01

    Regional health information organizations (RHIOs) have the potential to alleviate today's health care problems by granting providers access to a supported body of clinical information for all patients in a given region. While the promise of and enthusiasm for RHIOs is immense, the issue of their financial sustainability remains unclear. It has been said that the business model supporting a regional or national health information network is as essential, if not more essential, than the technology that makes it feasible. Currently, there is a clear lack of concrete business models implemented in RHIOs' projects. This article reports the results of a literature review of the current status of the adaptation and implementation of business models by RHIOs for successful financial sustainability. Based on the review, this article also attempts to evaluate the existing financial situation of RHIOs to determine and recommend the best models of economic sustainability. Significant findings include RHIOs' present financial environment, planning, and self-sustainability methods. Future studies will be needed as RHIOs continue to grow and move toward the implementation phase of their development.

  13. Gavagai Is as Gavagai Does: Learning Nouns and Verbs from Cross-Situational Statistics

    ERIC Educational Resources Information Center

    Monaghan, Padraic; Mattock, Karen; Davies, Robert A. I.; Smith, Alastair C.

    2015-01-01

    Learning to map words onto their referents is difficult, because there are multiple possibilities for forming these mappings. Cross-situational learning studies have shown that word-object mappings can be learned across multiple situations, as can verbs when presented in a syntactic context. However, these previous studies have presented either…

  14. Relative deprivation in the Nordic countries-child mental health problems in relation to parental financial stress.

    PubMed

    Gunnarsdóttir, Hrafnhildur; Hensing, Gunnel; Povlsen, Lene; Petzold, Max

    2016-04-01

    The Nordic welfare system has been acknowledged as favourable for children, successfully contributing to low child mortality and poverty rates. Nevertheless, mental health problems among children and adolescents are common and the economic situation of the family has been highlighted as an important determinant. In spite of similar social, political and cultural structures, the Nordic countries differ; Iceland was most affected by the global financial crisis in 2008. The aim of this study was to examine potential differences in parental financial stress and the associations to child mental health between the Nordic countries as well as age and gender differences.  The study sample consisted of 6330 children aged 4-16 years old included in the 2011 version of the Nordic Study of Children's Health, Wellbeing and Quality of life. The Strengths and Difficulties Questionnaire was used to measure mental health problems.  In Iceland, 47.7% of the parents reported financial stress while ≤20% did so in the other countries except for Finland (33.5%). However, in case of parental financial stress the OR of mental health problems comparing children to parents with and without financial stress was significantly lower among the Icelandic children (OR 1.60, 95% CI 1.15-2.24) than among the others: Denmark OR 3.07 (95% CI 2.15-4.39), Finland OR 2.28 (95% CI 1.60-3.25), Norway OR 2.77 (95% CI 1.86-4.12), Sweden OR 3.31(95% CI 2.26-4.86). No significant age or gender differences in the ORs were observed.  Besides socioeconomic situation, relative deprivation should be considered an important determinant of child mental health. © The Author 2015. Published by Oxford University Press on behalf of the European Public Health Association. All rights reserved.

  15. Flight Crew Task Management in Non-Normal Situations

    NASA Technical Reports Server (NTRS)

    Schutte, Paul C.; Trujillo, Anna C.

    1996-01-01

    Task management (TM) is always performed on the flight deck, although not always explicitly, consistently, or rigorously. Nowhere is TM as important as it is in dealing with non-normal situations. The objective of this study was to analyze pilot TM behavior for non-normal situations. Specifically, the study observed pilots performance in a full workload environment in order to discern their TM strategies. This study identified four different TM prioritization and allocation strategies: Aviate-Navigate-Communicate-Manage Systems; Perceived Severity; Procedure Based; and Event/Interrupt Driven. Subjects used these strategies to manage their personal workload and to schedule monitoring and assessment of the situation. The Perceived Severity strategy for personal workload management combined with the Aviate-Navigate-Communicate-Manage Systems strategy for monitoring and assessing appeared to be the most effective (fewest errors and fastest response times) in responding to the novel system failure used in this study.

  16. Hospital Financial Conditions and the Provision of Unprofitable Services

    PubMed Central

    Bazzoli, Gloria J.; Hsieh, Hui-Min

    2011-01-01

    Increases in hospital financial pressure resulting from public and private payment policy may substantially reduce a hospital’s ability to provide certain services that are not well compensated or are frequently used by the uninsured. The objective of this study is to examine the impact of hospital financial condition on the provision of these unprofitable services for the insured and uninsured. Economic theory provides the conceptual underpinnings for the analysis, and a longitudinal empirical analysis is conducted for an eight-year study period. The results indicate that not-for-profit hospitals with strong financial performance provide more unprofitable services for the insured and uninsured than do not-for-profit hospitals with weaker condition. For-profit hospital provision of these services is not influenced by their financial condition and instead may reflect actions to meet community expectations or to offer a sufficiently broad service array to maintain the business of insured patients. PMID:21625342

  17. 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).…

  18. 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…

  19. 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

  20. Financial Audit Guide: Auditing the Statement of Budgetary Resources

    DTIC Science & Technology

    2001-12-01

    financial reporting should assist in fulfilling the government’s duty to be publicly accountable for moneys raised from the public and for their expenditure in accordance with applicable laws that establish the budget and other related laws and regulations. As a means to help achieve this objective, beginning with fiscal year 1998, executive agencies subject to the Chief Financial Officers (CFO) Act of 1990, as expanded by the Government Management Reform Act of 1994, were each required to prepare and submit for audit a Statement of Budgetary Resources (SBR) in

  1. Financial well-being of single, working-age mothers of children with developmental disabilities.

    PubMed

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

    2012-09-01

    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, net worth, and liquid assets of U.S. single, working-age mothers (n  =  242) of children and adult children with developmental disabilities. The well-being of these mothers was compared to the situation of married mothers of children with developmental disabilities (n  =  345) and of single mothers who did not have children with developmental disabilities (n  =  6,547). Compared with both married mothers of children with developmental disabilities and single mothers without children with developmental disabilities, single mothers of children with developmental disabilities had markedly worse financial well-being across a range of income- and asset-based measures. Single mothers caring for children with developmental disabilities face adverse financial well-being as compared with other mothers. Policy makers should consider targeted measures to improve the financial well-being of these parents.

  2. Creating financial transparency in public health: examining best practices of system partners.

    PubMed

    Honoré, Peggy A; Clarke, Richard L; Mead, Dean Michael; Menditto, Susan M

    2007-01-01

    Financial transparency is based on concepts for valid, standardized information that is readily accessible and routinely disseminated to stakeholders. While Congress and others continuously ask for an accounting of public health investments, transparency remains an ignored concept. The objective of this study was to examine financial transparency practices in other industries considered as part of the public health system. Key informants, regarded as financial experts on the operations of hospitals, school systems, and higher education, were a primary source of information. Principal findings were that system partners have espoused some concepts for financial transparency beginning in the early 20th century--signifying an 80-year implementation gap for public health. Critical features that promote accountability included standardized data collection methods and infrastructures, uniform practices for quantitative analysis of financial performance, and credentialing of the financial management workforce. Recommendations are offered on the basis of these findings to aid public health to close this gap by framing a movement toward transparency.

  3. Situational Management, Standard Setting, and Self-Reward in a Behavior Modification Weight Loss Program.

    ERIC Educational Resources Information Center

    Chapman, Stanley L.; Jeffrey, D. Balfour

    1978-01-01

    In comprehensive wieght loss program, overweight women exposed to instruction in self-standard setting and to situational management techniques lost more weight than those instructed only in situational management techniques. Findings illustrate facilitative effect of teaching individuals to set specific, objective, and realistic goals for eating…

  4. Financial inclusion impementation program for the development in the area of South Tangerang, Banten

    NASA Astrophysics Data System (ADS)

    Dewi, Etika; Heykal, Mohamad

    2018-03-01

    The research objective aims to evaluate the problems about the implementation of financial inclusion for the economic development especially in the area of South Tangerang and find solutions for the development financial inclusion. The research is qualitative research that using primary data and the data collection methods is in the questionnaires, interviews, and observations through the official website and Annual Report. The object of this research is OJK of Financial Services Authority as the regulator, five conventional banks are BRI, Mandiri, BNI, BCA and CIMB Niaga as supply side, and the micro and small category of Small Medium Enterprise in Tangerang Selatan area as the demand side. Using testing questionnaire data with validity and reliability test. The conclusion of the research is the OJK and banks have done enough support to improve the financial inclusion program to the micro and small category of SMEs. The majority of services and facilities available have been by the needs of SMEs, but there are still obstacles in marketing (marketing exclusion). Thus, an efficient solution is to educate and socialize more evenly and more vigorously, and invite other banks to participate in supporting OJK programs in increasing financial inclusion.

  5. 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

  6. Multi objective decision making in hybrid energy system design

    NASA Astrophysics Data System (ADS)

    Merino, Gabriel Guillermo

    The design of grid-connected photovoltaic wind generator system supplying a farmstead in Nebraska has been undertaken in this dissertation. The design process took into account competing criteria that motivate the use of different sources of energy for electric generation. The criteria considered were 'Financial', 'Environmental', and 'User/System compatibility'. A distance based multi-objective decision making methodology was developed to rank design alternatives. The method is based upon a precedence order imposed upon the design objectives and a distance metric describing the performance of each alternative. This methodology advances previous work by combining ambiguous information about the alternatives with a decision-maker imposed precedence order in the objectives. Design alternatives, defined by the photovoltaic array and wind generator installed capacities, were analyzed using the multi-objective decision making approach. The performance of the design alternatives was determined by simulating the system using hourly data for an electric load for a farmstead and hourly averages of solar irradiation, temperature and wind speed from eight wind-solar energy monitoring sites in Nebraska. The spatial variability of the solar energy resource within the region was assessed by determining semivariogram models to krige hourly and daily solar radiation data. No significant difference was found in the predicted performance of the system when using kriged solar radiation data, with the models generated vs. using actual data. The spatial variability of the combined wind and solar energy resources was included in the design analysis by using fuzzy numbers and arithmetic. The best alternative was dependent upon the precedence order assumed for the main criteria. Alternatives with no PV array or wind generator dominated when the 'Financial' criteria preceded the others. In contrast, alternatives with a nil component of PV array but a high wind generator component

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

    PubMed

    Sinclair, Robert R; Cheung, Janelle H

    2016-08-01

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

  8. 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.

  9. Financial Toxicity (Financial Distress) and Cancer Treatment (PDQ®)—Patient Version

    Cancer.gov

    Financial Toxicity and Cancer Treatment discusses the increased financial burdens and pressures that cancer patients and survivors often experience. Learn more about financial toxicity, risk factors, and ways to reduce financial distress in this expert-reviewed summary.

  10. Overactive, Overwrought or Overdrawn? The Role of Personality in Undergraduate Financial Knowledge, Decision-Making and Debt

    ERIC Educational Resources Information Center

    Harrison, Neil; Chudry, Farooq

    2011-01-01

    The financial situation of undergraduate students remains a high-profile issue within the UK higher education sector, not least due to its perceived relationship with retention, well-being and success. This article probes this question from a new direction, using concepts and approaches from the field of applied psychology to examine how students…

  11. 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…

  12. GASB proposes new standards for financial reporting of postemployment benefits by state and local governments.

    PubMed

    Johnson, Karl D

    2003-03-01

    GASB has proposed new standards that will affect the way in which governments report postemployment health care benefits in audited external financial statements, resulting in more complete and transparent reporting by employers and plans and more relevant and useful information for the users of governmental financial reports. This article provides an overview of current financial reporting standards and practice, the financial reporting objectives of the project, the proposed measurement approach, noteworthy specific proposals, and the projected timetable for completion of the project and implementation of the new standards.

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

    DTIC Science & Technology

    1998-03-01

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

  14. Athletic Training Clinical Instructors as Situational Leaders.

    PubMed

    Meyer, Linda Platt

    2002-12-01

    OBJECTIVE: To present Situational Leadership as a model that can be implemented by clinical instructors during clinical education. Effective leadership occurs when the leadership style is matched with the observed followers' characteristics. Effective leaders anticipate and assess change and adapt quickly and grow with the change, all while leading followers to do the same. As athletic training students' levels of readiness change, clinical instructors also need to transform their leadership styles and strategies to match the students' ever-changing observed needs in different situations. DATA SOURCES: CINAHL (1982-2002), MEDLINE (1990-2001), SPORT Discus (1949-2002), ERIC (1966-2002), and Internet Web sites were searched. Search terms included leadership, situational leadership, clinical instructors and leadership, teachers as leaders, and clinical education. DATA SYNTHESIS: Situational Leadership is presented as a leadership model to be used by clinical instructors while teaching and supervising athletic training students in the clinical setting. This model can be implemented to improve the clinical-education process. Situational leaders, eg, clinical instructors, must have the flexibility and range of skills to vary their leadership styles to match the challenges that occur while teaching athletic training students. CONCLUSIONS/RECOMMENDATIONS: This leadership style causes the leader to carry a substantial responsibility to lead while giving power away. Communication is one of the most important leadership skills to develop to become an effective leader. It is imperative for the future of the profession that certified athletic trainers continue to develop effective leadership skills to address the changing times in education and expectations of the athletic training profession.

  15. Athletic Training Clinical Instructors as Situational Leaders

    PubMed Central

    Meyer, Linda Platt

    2002-01-01

    Objective: To present Situational Leadership as a model that can be implemented by clinical instructors during clinical education. Effective leadership occurs when the leadership style is matched with the observed followers' characteristics. Effective leaders anticipate and assess change and adapt quickly and grow with the change, all while leading followers to do the same. As athletic training students' levels of readiness change, clinical instructors also need to transform their leadership styles and strategies to match the students' ever-changing observed needs in different situations. Data Sources: CINAHL (1982–2002), MEDLINE (1990–2001), SPORT Discus (1949–2002), ERIC (1966–2002), and Internet Web sites were searched. Search terms included leadership, situational leadership, clinical instructors and leadership, teachers as leaders, and clinical education. Data Synthesis: Situational Leadership is presented as a leadership model to be used by clinical instructors while teaching and supervising athletic training students in the clinical setting. This model can be implemented to improve the clinical-education process. Situational leaders, eg, clinical instructors, must have the flexibility and range of skills to vary their leadership styles to match the challenges that occur while teaching athletic training students. Conclusions/Recommendations: This leadership style causes the leader to carry a substantial responsibility to lead while giving power away. Communication is one of the most important leadership skills to develop to become an effective leader. It is imperative for the future of the profession that certified athletic trainers continue to develop effective leadership skills to address the changing times in education and expectations of the athletic training profession. PMID:12937555

  16. National Office of Global Maritime Situational Awareness - Overview

    DTIC Science & Technology

    2008-05-01

    Environment UNCLASSIFIED 21 DATA UNDERSTANDING INFORMATION WISDOM KNOWLEDGE The Information Continuum UNCLASSIFIED • The hub lead will act as the...Directorate for Information Operations and Reports, 1215 Jefferson Davis Highway, Suite 1204, Arlington VA 22202-4302. Respondents should be aware ...Situational Awareness (OGMSA) UNCLASSIFIED Vision, Mission, Goals, & Objectives Vision A World-Wide Maritime Information Exchange to facilitate user-defined

  17. Financial Literacy and Financial Sophistication in the Older Population

    PubMed Central

    Lusardi, Annamaria; Mitchell, Olivia S.; Curto, Vilsa

    2017-01-01

    Using a special-purpose module implemented in the Health and Retirement Study, we evaluate financial sophistication in the American population over the age of 50. We combine several financial literacy questions into an overall index to highlight which questions best capture financial sophistication and examine the sensitivity of financial literacy responses to framing effects. Results show that many older respondents are not financially sophisticated: they fail to grasp essential aspects of risk diversification, asset valuation, portfolio choice, and investment fees. Subgroups with notable deficits include women, the least educated, non-Whites, and those over age 75. In view of the fact that retirees increasingly must take on responsibility for their own retirement security, such meager levels of knowledge have potentially serious and negative implications. PMID:28553191

  18. Financial Literacy and Financial Sophistication in the Older Population.

    PubMed

    Lusardi, Annamaria; Mitchell, Olivia S; Curto, Vilsa

    2014-10-01

    Using a special-purpose module implemented in the Health and Retirement Study, we evaluate financial sophistication in the American population over the age of 50. We combine several financial literacy questions into an overall index to highlight which questions best capture financial sophistication and examine the sensitivity of financial literacy responses to framing effects. Results show that many older respondents are not financially sophisticated: they fail to grasp essential aspects of risk diversification, asset valuation, portfolio choice, and investment fees. Subgroups with notable deficits include women, the least educated, non-Whites, and those over age 75. In view of the fact that retirees increasingly must take on responsibility for their own retirement security, such meager levels of knowledge have potentially serious and negative implications.

  19. 33 CFR 137.30 - Objectives and performance factors.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 33 Navigation and Navigable Waters 2 2013-07-01 2013-07-01 false Objectives and performance factors. 137.30 Section 137.30 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OIL SPILL LIABILITY...

  20. 33 CFR 137.30 - Objectives and performance factors.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 33 Navigation and Navigable Waters 2 2012-07-01 2012-07-01 false Objectives and performance factors. 137.30 Section 137.30 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OIL SPILL LIABILITY...

  1. 33 CFR 137.30 - Objectives and performance factors.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 33 Navigation and Navigable Waters 2 2011-07-01 2011-07-01 false Objectives and performance factors. 137.30 Section 137.30 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OIL SPILL LIABILITY...

  2. 33 CFR 137.30 - Objectives and performance factors.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 33 Navigation and Navigable Waters 2 2014-07-01 2014-07-01 false Objectives and performance factors. 137.30 Section 137.30 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OIL SPILL LIABILITY...

  3. Does Major Illness Cause Financial Catastrophe?

    PubMed Central

    Cook, Keziah; Dranove, David; Sfekas, Andrew

    2010-01-01

    Objective We examine the financial impact of major illnesses on the near-elderly and how this impact is affected by health insurance. Data Sources We use RAND Corporation extracts from the Health and Retirement Study from 1992 to 2006.1 Study Design Our dependent variable is the change in household assets, excluding the value of the primary home. We use triple difference median regressions on a sample of newly ill/uninsured near elderly (under age 65) matched to newly ill/insured near elderly. We also include a matched control group of households whose members are not ill. Results Controlling for the effects of insurance status and illness, we find that the median household with a newly ill, uninsured individual suffers a statistically significant decline in household assets of between 30 and 50 percent relative to households with matched insured individuals. Newly ill, insured individuals do not experience a decline in wealth. Conclusions Newly ill/uninsured households appear to be one illness away from financial catastrophe. Newly ill insured households who are matched to uninsured households appear to be protected against financial loss, at least in the near term. PMID:19840132

  4. [Mechanisms for allocating financial resources after decentralization in the state of Jalisco].

    PubMed

    Pérez-Núñez, Ricardo; Arredondo-López, Armando; Pelcastre, Blanca

    2006-01-01

    To analyze, from the decision maker's perspective, the financial resource allocation process of the health services of the state of Jalisco (SSJ, per its abbreviation in spanish), within the context of decentralization. Through a qualitative approximation using semi-structured individual interviews of key personnel in managerial positions as the method for compiling information, the experience of the SSJ in financial resource allocation was documented. From September to November 2003, the perception of managers and administrators regarding their level of autonomy in decision-making was explored as well as the process they follow for the allocation of financial resources, in order to identify the criteria they use and their justifications. From the point of view of decision-makers, autonomy of the SSJ has increased considerably since decentralization was implemented, although the degree of decision-making freedom remains limited due mainly to high adminstrative costs associated with salaries. In this sense, the implications attributable to labor situations that are still centralized are evident. Some innovative systems for financial resource allocation have been established in the SSJ for the sanitary regions and hospitals based upon administrative-managerial and productivity incentives. Adjustments were also made for degree of marginalization and population lag, under the equity criterion. General work conditions and decision-making autonomy of the sanitary regions constitute outstanding aspects pending decentralization. Although decentralization has granted more autonomy to the SSJ, the level of decision-making freedom for allocating financial resources has been held within the highest hierarchical levels.

  5. Asset Depletion, Chronic Financial Stress, and Mortgage Trouble Among Older Female Homeowners.

    PubMed

    Castro Baker, Amy; West, Stacia; Wood, Anna

    2017-09-08

    The Great Recession disproportionately impacted older adults and women of color, suggesting that women may be entering retirement without adequate assets. However, the current literature lacks a detailed account of women's experiences of mortgage trouble and foreclosure, as well as a longitudinal view of how these experiences impacted their overall financial assets. Grounded in cumulative inequality theory, this mixed methods study employed a QUAL→quan approach to gather qualitative data from a sample of 21 older adult women regarding their experiences of mortgage trouble. Quantitative longitudinal data was gathered for a subsample of the Early Baby Boomer Cohort using the Health and Retirement Study. Qualitative findings indicated women approaching retirement experienced chronic underemployment, wage stagnation, and financial volatility as contributors to asset depletion and eventual mortgage default or foreclosure. Quantitative results indicated asset depletion both during and post-Recession was considerably more pronounced among older adult women of color compared to older adult White men. These findings suggest that a lifetime of financial disadvantage coupled with macroeconomic instability situates older adult women, particularly women of color, in a financially vulnerable position for retirement. The ways in which 2017 attacks on the Consumer Financial Protection Bureau, Dodd-Frank, and the Fiduciary rule carry potential to further destabilize this population are also discussed. © The Author 2017. Published by Oxford University Press on behalf of The Gerontological Society of America. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

  6. Integrating physical and financial approaches to manage environmental financial risk

    NASA Astrophysics Data System (ADS)

    Characklis, Gregory; Meyer, Eliot; Foster, Benjamin

    2017-04-01

    Physical and/or engineered solutions have long been used to manage risks associated with adverse environmental events. Examples include reservoirs as a tool for mitigating drought-related supply risk, levees for managing flood risk and dredging of inland waterways to ensure navigability during low flow periods. These measures can reduce many types of risk (e.g., loss of life), but are often employed as a means of protecting against financial losses. When the focus is on managing environmental financial risk, physical solutions can be effective, but also costly. In many cases, non-physical tools can provide a less expensive means of managing financial risk, with these often taking the form of financial instruments such as hedging contracts, contingency funds or insurance. Some of these instruments, such as flood insurance, are widely available, but historically many environmental financial risks have been managed primarily (or solely) via physical solutions without much consideration of alternatives, thereby opening opportunities for innovation in developing financial solutions. Recent research has demonstrated that financial instruments can play a significant role in managing drought-related financial risk in sectors as diverse as water utilities, energy generation and inland navigation. Nonetheless, this work has largely considered the use of these instruments within systems in which physical solutions are already in place (but failing to achieve desired performance). The next step in the evolution of managing environmental financial risk involves developing methods for designing risk management strategies that do not assume an established physical system. Here the goal is to identify the relative role that physical solutions and financial instruments should play as they are integrated into a comprehensive risk management strategy. This is not a straightforward challenge as one approach reduces the risk of financial losses and the other redistributes those losses

  7. A traffic situation analysis system

    NASA Astrophysics Data System (ADS)

    Sidla, Oliver; Rosner, Marcin

    2011-01-01

    The observation and monitoring of traffic with smart visions systems for the purpose of improving traffic safety has a big potential. For example embedded vision systems built into vehicles can be used as early warning systems, or stationary camera systems can modify the switching frequency of signals at intersections. Today the automated analysis of traffic situations is still in its infancy - the patterns of vehicle motion and pedestrian flow in an urban environment are too complex to be fully understood by a vision system. We present steps towards such a traffic monitoring system which is designed to detect potentially dangerous traffic situations, especially incidents in which the interaction of pedestrians and vehicles might develop into safety critical encounters. The proposed system is field-tested at a real pedestrian crossing in the City of Vienna for the duration of one year. It consists of a cluster of 3 smart cameras, each of which is built from a very compact PC hardware system in an outdoor capable housing. Two cameras run vehicle detection software including license plate detection and recognition, one camera runs a complex pedestrian detection and tracking module based on the HOG detection principle. As a supplement, all 3 cameras use additional optical flow computation in a low-resolution video stream in order to estimate the motion path and speed of objects. This work describes the foundation for all 3 different object detection modalities (pedestrians, vehi1cles, license plates), and explains the system setup and its design.

  8. Influences on the perception of elder financial abuse among older adults in Southern California.

    PubMed

    Knight, Bob G; Kim, Seungyoun; Rastegar, Sarah; Jones, Scott; Jump, Victoria; Wong, Serena

    2016-01-01

    Under-reporting of elder financial abuse is partly due to failure of those around the victim to perceive the financial mistreatment as abuse. This study explored the effect of victim and perceiver factors on perception of elder financial abuse in the context of Routine Activity Theory (RAT). 488 older adults in Ventura County (CA) were surveyed about financial abuse using vignette method. In the study's Vignette 1, the amount of money taken, the type of frailty, and the relationship of perpetrator and victim were manipulated. In Vignette 2, the victim's age and relationship of perpetrator and victim were manipulated. Respondents' demographics (age, gender, education, and ethnicity) were collected. Logistic regression analyses revealed that children of the victim were least likely to be seen as committing abuse in both vignettes. In Vignette 1, there was an interaction of gender of respondent and the amount of money taken. In Vignette 2, non-Whites were less likely to perceive the signing over of the house as financial abuse. Respondents endorsed the concept of a special court with expertize in elder abuse as a way to increase the likelihood that they would report. Even though most financial abuse is perpetrated by family members, older adults are less likely to perceive a financial situation as abuse when it involves a child of the victim, thus making reporting and prevention less likely. The support for a specialty Elder Abuse Court (EAC) suggests that some reluctance to report is based on misgivings about punishing the perpetrator.

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

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... address, and business phone number; (ii) The identity of the customer or customers to whom the records... 39 Postal Service 1 2012-07-01 2012-07-01 false Requesting financial records from a financial... INSPECTION SERVICE AUTHORITY § 233.5 Requesting financial records from a financial institution. (a...

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

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... address, and business phone number; (ii) The identity of the customer or customers to whom the records... 39 Postal Service 1 2014-07-01 2014-07-01 false Requesting financial records from a financial... INSPECTION SERVICE AUTHORITY § 233.5 Requesting financial records from a financial institution. (a...

  11. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... address, and business phone number; (ii) The identity of the customer or customers to whom the records... 39 Postal Service 1 2013-07-01 2013-07-01 false Requesting financial records from a financial... INSPECTION SERVICE AUTHORITY § 233.5 Requesting financial records from a financial institution. (a...

  12. 39 CFR 233.5 - Requesting financial records from a financial institution.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... address, and business phone number; (ii) The identity of the customer or customers to whom the records... 39 Postal Service 1 2011-07-01 2011-07-01 false Requesting financial records from a financial... INSPECTION SERVICE AUTHORITY § 233.5 Requesting financial records from a financial institution. (a...

  13. Financial statistics of major US investor-owned electric utilities 1992

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

    Not Available

    The Financial Statistics of Major US Investor-Owned Electric Utilities publication presents summary and detailed financial accounting data on the investor-owned electric utilities. The objective of the publication is to provide Federal and State governments, industry, and the general public with current and historical data that can be used for policymaking and decisionmaking purposes related to investor-owned electric utility issues. The Financial Statistics of Major US Investor-Owned Electric Utilities publication provides information about the financial results of operations of investor-owned electric utilities for use by government, industry, electric utilities, financial organizations and educational institutions in energy planning. In the private sector,more » the readers of this publication are researchers and analysts associated with the financial markets, the policymaking and decisionmaking members of electric utility companies, and economic development organizations. Other organizations that may be interested in the data presented in this publication include manufacturers of electric power equipment and marketing organizations. In the public sector, the readers of this publication include analysts, researchers, statisticians, and other professionals engaged in regulatory, policy, and program areas. These individuals are generally associated with the Congress, other legislative bodies, State public utility commissions, universities, and national strategic planning organizations.« less

  14. A Study of User's Acceptance on Situational Mashups in Situational Language Teaching

    ERIC Educational Resources Information Center

    Huang, Angus F. M.; Yang, Stephen J. H.; Liaw, Shu-Sheng

    2012-01-01

    Situational awareness and mashups are two key factors influencing the success of situational language teaching. However, traditional situational language teaching cannot smoothly conduct relevant learning activities in changing learning context. This study developed a situational mashups system for detecting users' context and proposed a research…

  15. Multinational Experiment 7. Outcome 3 - Cyber Domain Objective 3.4: Cyber Situational Awareness Standard Operating Procedure

    DTIC Science & Technology

    2012-12-01

    and activity coordination (for example, SOC management ). 10. In Reference D the information sharing framework represents a hub & node model in... management , vulnerabilities, critical assets, threats, impacts on operations etc. UNCLASSIFIED UNCLASSIFIED 6 PART 3 - CYBER SITUATIONAL AWARENESS...limit the effect of cyber incidents. 23. Tasks of the SOC include: • System maintenance and management including applying the directed security

  16. Basics of Saving and Investing: A Teaching Guide. Financial Literacy Two Thousand and One.

    ERIC Educational Resources Information Center

    Eastern Michigan Univ., Ypsilanti. National Inst. for Consumer Education.

    This teaching guide contains learning objectives that focus on the following: how to design a personal financial plan; how financial markets work; how to select among various saving and investment options; how to find out and use investment information; and how to recognize and protect oneself against investment fraud. The guide can be the…

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

    ERIC Educational Resources Information Center

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

    2014-01-01

    Financial stress and self-efficacy are examined in relationship to college students' financial help-seeking behavior utilizing Grable and Joo's (1999) framework. A cognitive approach is taken by focusing on the moderating role of financial self-efficacy on the relationship between financial stress and financial help-seeking. Data from the 2010…

  18. [Families Affected by Parental Illness - What Obstacles Prevent them from Claiming Help and how Could their Supply Situation be Improved?].

    PubMed

    Kühnis, Romana; Müller-Luzi, Seraina; Schröder, Martin; Schmid, Marc

    2016-01-01

    Families Affected by Parental Illness - What Obstacles Prevent them from Claiming Help and how Could their Supply Situation be Improved? Current studies describe families affected by parental mental illness as a high-risk group. Although, interventions and programs were developed, the supply situation is still insufficient. In terms of a triangulation method, the present qualitative research with problem-centered semi-structured interviews stands in addition to the results of a quantitative study. This research investigates, which factors influence the claim of help and how the supply situation could be improved. 14 mothers and fathers in inpatient psychiatric treatment were interviewed. For instance is there a small awareness level of low-threshold services, parents also talk about different fears towards helpers or financial difficulty which prevent them from seeking help.

  19. Financial Exploitation Is Associated With Structural and Functional Brain Differences in Healthy Older Adults

    PubMed Central

    Spreng, R. Nathan; Cassidy, Benjamin N; Darboh, Bri S; DuPre, Elizabeth; Lockrow, Amber W; Setton, Roni; Turner, Gary R

    2017-01-01

    Abstract Background Age-related brain changes leading to altered socioemotional functioning may increase vulnerability to financial exploitation. If confirmed, this would suggest a novel mechanism leading to heightened financial exploitation risk in older adults. Development of predictive neural markers could facilitate increased vigilance and prevention. In this preliminary study, we sought to identify structural and functional brain differences associated with financial exploitation in older adults. Methods Financially exploited older adults (n = 13, 7 female) and a matched cohort of older adults who had been exposed to, but avoided, a potentially exploitative situation (n = 13, 7 female) were evaluated. Using magnetic resonance imaging, we examined cortical thickness and resting state functional connectivity. Behavioral data were collected using standardized cognitive assessments, self-report measures of mood and social functioning. Results The exploited group showed cortical thinning in anterior insula and posterior superior temporal cortices, regions associated with processing affective and social information, respectively. Functional connectivity encompassing these regions, within default and salience networks, was reduced, while between network connectivity was increased. Self-reported anger and hostility was higher for the exploited group. Conclusions We observed financial exploitation associated with brain differences in regions involved in socioemotional functioning. These exploratory and preliminary findings suggest that alterations in brain regions implicated in socioemotional functioning may be a marker of financial exploitation risk. Large-scale, prospective studies are necessary to validate this neural mechanism, and develop predictive markers for use in clinical practice. PMID:28369260

  20. Problems Confronting the Higher Education Assistance Foundation. Hearing on Examining the Financial Difficulties Confronting the Higher Education Assistance Foundation and the Impact That Situation Has on the Guaranteed Student Loan Programs of the Department of Education before the Subcommittee on Education, Arts, and Humanities of the Committee on Labor and Human Resources. United States Senate, One Hundred First Congress, Second Session.

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. Senate Subcommittee on Education, Arts and Humanities.

    This document reports oral testimony and prepared statements of persons who testified at hearings on the financial difficulties confronting the Higher Education Assistance Foundation (HEAF) and the impact that situation has on the Stafford Student Loan Program of the Department of Education. Witnesses included: Lauro F. Cavazos, U.S. Department of…

  1. 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…

  2. Army FY 1999 Financial Reporting of Conventional Ammunition

    DTIC Science & Technology

    2000-09-01

    financial reporting of operating materials and supplies. This report discusses the Army reporting of conventional ammunition, which is a material part of the Army operating materials and supplies. In general, conventional ammunition consists of any item containing explosives. At $18.9 billion, conventional ammunition, reported as operating materials and supplies, represented 26 percent of the $72.3 billion in total assets that the Army reported and was the largest tangible asset amount on the balance sheet. Objectives. The overall objective of our audit was to obtain

  3. Social Network Influence and Personal Financial Status

    NASA Astrophysics Data System (ADS)

    Luo, Shaojun; Morone, Flaviano; Sarraute, Carlos; Makse, Hernan

    Networks of social ties emerging from individual economic needs display a highly structured architecture. In response to socio-economic demands, people reshape their circle of contacts for maximizing their social status, and ipso facto, the pattern of their interconnections is strongly correlates with their personal financial situation. In this work we transform this qualitative and verbal statement into an operative definition, which allows us to quantify the economic wellness of individuals trough a measure of their collective influence. We consider the network of mobile phone calls made by the Mexican population during three months, in order to study the correlation of person's economic situation with her network location. Notably, we find that rich people tend to be also the most influential nodes, i.e., they self-organize to optimally position themselves in the network. This finding may be also raised at the level of a principle, a fact that would explain the emergence of the phenomenon of collective influence itself as the result of the local optimization of socio-economic interactions. Our method represents a powerful and efficient indicator of socio-economic robustness, which may be applied to maximize the effect of large scale economic intervention and stimulus policies

  4. A Financial Condition Indicator System for School Districts: A Case Study of New York

    ERIC Educational Resources Information Center

    Ammar, Salwa; Duncombe, William; Jump, Bernard; Wright, Ronald

    2005-01-01

    State governments are in the midst of one of the most severe fiscal crises of the last half century. The magnitude of the fiscal challenges facing state and local governments highlights the importance of sound fiscal planning and access to key financial indicators. The objective of this article is to develop a financial condition indicator system…

  5. An approach to the socio-labour situation of disabled women in rural communities in a Spanish region.

    PubMed

    Mondéjar-Jiménez, José; Vargas-Vargas, Manuel; Mondéjar-Jiménez, Juan-Antonio; Bayot-Mestre, Agustín

    2009-01-01

    Disabled women suffer socio-labour discrimination because of both their gender and their disability. The situation is gradually improving, thanks to the national and supranational organisations, which in the past few decades have made considerable progress in improving the legislation, providing financial resources and encouraging social awareness. Despite this, few studies quantify this double discrimination in order to permit the evaluation of the socio-labour situation of this group of people. This scarcity is even more pronounced for rural areas, where many other factors hinder the integration of disabled women into the labour market and generate some specific problems that the specialist literature seldom addresses. The current work presents the results of a survey on the socio-economic situation of disabled women in a strongly rural area: the Spanish region of Castilla-La Mancha. It stresses the fundamental difficulties of these women in integrating into the labour market and the most urgent political measures needed to help this group.

  6. Financial Services Industry

    DTIC Science & Technology

    2006-01-01

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

  7. Pragmatically Framed Cross-Situational Noun Learning Using Computational Reinforcement Models

    PubMed Central

    Najnin, Shamima; Banerjee, Bonny

    2018-01-01

    Cross-situational learning and social pragmatic theories are prominent mechanisms for learning word meanings (i.e., word-object pairs). In this paper, the role of reinforcement is investigated for early word-learning by an artificial agent. When exposed to a group of speakers, the agent comes to understand an initial set of vocabulary items belonging to the language used by the group. Both cross-situational learning and social pragmatic theory are taken into account. As social cues, joint attention and prosodic cues in caregiver's speech are considered. During agent-caregiver interaction, the agent selects a word from the caregiver's utterance and learns the relations between that word and the objects in its visual environment. The “novel words to novel objects” language-specific constraint is assumed for computing rewards. The models are learned by maximizing the expected reward using reinforcement learning algorithms [i.e., table-based algorithms: Q-learning, SARSA, SARSA-λ, and neural network-based algorithms: Q-learning for neural network (Q-NN), neural-fitted Q-network (NFQ), and deep Q-network (DQN)]. Neural network-based reinforcement learning models are chosen over table-based models for better generalization and quicker convergence. Simulations are carried out using mother-infant interaction CHILDES dataset for learning word-object pairings. Reinforcement is modeled in two cross-situational learning cases: (1) with joint attention (Attentional models), and (2) with joint attention and prosodic cues (Attentional-prosodic models). Attentional-prosodic models manifest superior performance to Attentional ones for the task of word-learning. The Attentional-prosodic DQN outperforms existing word-learning models for the same task. PMID:29441027

  8. Testing a social-cognitive model of moral behavior: the interactive influence of situations and moral identity centrality.

    PubMed

    Aquino, Karl; Freeman, Dan; Reed, Americus; Felps, Will; Lim, Vivien K G

    2009-07-01

    This article proposes and tests a social-cognitive framework for examining the joint influence of situational factors and the centrality of moral identity on moral intentions and behaviors. The authors hypothesized that if a situational factor increases the current accessibility of moral identity within the working self-concept, then it strengthens the motivation to act morally. In contrast, if a situational factor decreases the current accessibility of moral identity, then it weakens the motivation to act morally. The authors also expected the influence of situational factors to vary depending on the extent to which moral identity was central to a person's overall self-conception. Hypotheses derived from the framework were tested in 4 studies. The studies used recalling and reading a list of the Ten Commandments (Study 1), writing a story using morally laden terms (Study 4), and the presence of performance-based financial incentives (Studies 2 and 3) as situational factors. Participants' willingness to initiate a cause-related marketing program (Study 1), lie to a job candidate during a salary negotiation (Studies 2 and 3), and contribute to a public good (Study 4) were examined. Results provide strong support for the proposed framework. (PsycINFO Database Record (c) 2009 APA, all rights reserved).

  9. 24 CFR Appendix A to Part 570 - Guidelines and Objectives for Evaluating Project Costs and Financial Requirements

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... recipient with a framework for financially underwriting and selecting CDBG-assisted economic development... out the economic development project. This is to ensure that time and effort is not wasted on... review the economic development project to ensure that, to the extent practicable, CDBG funds will not be...

  10. 24 CFR Appendix A to Part 570 - Guidelines and Objectives for Evaluating Project Costs and Financial Requirements

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... recipient with a framework for financially underwriting and selecting CDBG-assisted economic development... out the economic development project. This is to ensure that time and effort is not wasted on... review the economic development project to ensure that, to the extent practicable, CDBG funds will not be...

  11. 24 CFR Appendix A to Part 570 - Guidelines and Objectives for Evaluating Project Costs and Financial Requirements

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... recipient with a framework for financially underwriting and selecting CDBG-assisted economic development... out the economic development project. This is to ensure that time and effort is not wasted on... review the economic development project to ensure that, to the extent practicable, CDBG funds will not be...

  12. 24 CFR Appendix A to Part 570 - Guidelines and Objectives for Evaluating Project Costs and Financial Requirements

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... recipient with a framework for financially underwriting and selecting CDBG-assisted economic development... out the economic development project. This is to ensure that time and effort is not wasted on... review the economic development project to ensure that, to the extent practicable, CDBG funds will not be...

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

    PubMed

    Hakoum, Maram B; Anouti, Sirine; Al-Gibbawi, Mounir; Abou-Jaoude, Elias A; Hasbani, Divina Justina; Lopes, Luciane Cruz; Agarwal, Arnav; Guyatt, Gordon; Akl, Elie A

    2016-08-10

    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. 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. 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. 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 more frequently than institutional and

  14. Hospital ownership, decisions on supervisory board characteristics, and financial performance.

    PubMed

    Kuntz, Ludwig; Pulm, Jannis; Wittland, Michael

    2016-01-01

    Dynamic and complex transformations in the hospital market increase the relevance of good corporate governance. However, hospital performance and the characteristics of supervisory boards differ depending on ownership. The question therefore arises whether hospital owners can influence performance by addressing supervisory board characteristics. The objective of this study is to explain differences in the financial performance of hospitals with regard to ownership by studying the size and composition of supervisory boards. The AMADEUS database was used to collect information on hospital financial performance in 2009 and 2010. Business and quality reports, hospital websites, and data from health insurer were used to obtain information on hospital and board characteristics. The resulting sample consisted of 175 German hospital corporations. We utilized ANOVA and regression analysis to test a mediation hypothesis that investigated whether decisions regarding board size and composition were associated with financial performance and could explain performance differences. Financial performance and board size and composition depend on ownership. An increase in board size and greater politician participation were negatively associated with all five tested measures of financial performance. Furthermore, an increase in physician participation was positively associated with one dimension of financial performance, whereas one negative relationship was identified for nurse and economist participation. For clerics, no associations were found. Decisions concerning board size and composition are important as they relate to hospital financial performance. We contribute to existing research by showing that, in addition to board size and physician participation, the participation of other professionals can also influence financial performance.

  15. Financial Statement: Major Deficiencies in Financial Reporting for Other Defense Organizations-General Funds

    DTIC Science & Technology

    2002-05-31

    Financial Statement May 31, 2002 Office of the Inspector General of the Department of Defense Major Deficiencies in Financial Reporting for Other...Subtitle Financial Statement: Major Deficiencies in Financial Reporting for Other Defense Organizations-General Funds Contract Number Grant Number...use the financial reports of the Other Defense Organizations-General Funds to make management decisions. It explains major financial reporting deficiencies

  16. Pragmatic Variations in Giving Advice in L2 by Malaysian Postgraduate Students: The Situational Effects

    ERIC Educational Resources Information Center

    Farashaiyan, Atieh; Muthusamy, Paramasivam

    2016-01-01

    The present study attempted to describe the giving advice strategies utilized by Malaysian postgraduate students in confronting different situations. In addition, it examined the effects of the situational factors of social distance, power, and imposition on the students' choice of giving advice strategies. Another objective was to categorize the…

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

    PubMed

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

    2012-01-01

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

  18. Distributed sensor management for space situational awareness via a negotiation game

    NASA Astrophysics Data System (ADS)

    Jia, Bin; Shen, Dan; Pham, Khanh; Blasch, Erik; Chen, Genshe

    2015-05-01

    Space situational awareness (SSA) is critical to many space missions serving weather analysis, communications, and navigation. However, the number of sensors used in space situational awareness is limited which hinders collision avoidance prediction, debris assessment, and efficient routing. Hence, it is critical to use such sensor resources efficiently. In addition, it is desired to develop the SSA sensor management algorithm in a distributed manner. In this paper, a distributed sensor management approach using the negotiation game (NG-DSM) is proposed for the SSA. Specifically, the proposed negotiation game is played by each sensor and its neighboring sensors. The bargaining strategies are developed for each sensor based on negotiating for accurately tracking desired targets (e.g., satellite, debris, etc.) . The proposed NG-DSM method is tested in a scenario which includes eight space objects and three different sensor modalities which include a space based optical sensor, a ground radar, or a ground Electro-Optic sensor. The geometric relation between the sensor, the Sun, and the space object is also considered. The simulation results demonstrate the effectiveness of the proposed NG-DSM sensor management methods, which facilitates an application of multiple-sensor multiple-target tracking for space situational awareness.

  19. Review of Authorities Available for Tribal Program Financial Assistance Awards

    EPA Pesticide Factsheets

    Reiterate discussion EPA presented on financial assistance in the proposed rule (40 CFR Parts 9, 35, 49, 50 and 81) and provides additional guidance on how these mechanisms might be used to advance the tribes’ objectives.be used to advance the

  20. The Design and Implementation of an Integrated Financial Control System.

    ERIC Educational Resources Information Center

    Alexander, George D.

    1978-01-01

    The design and implementation of an integrated financial control system at Clemson University are described. The advantages of considering the integration of systems to meet university-wide objectives as design criteria are discussed as well as sub-system relationships. (Author/BH)

  1. Scientific journals and their authors' financial interests: a pilot study.

    PubMed

    Krimsky, S; Rothenberg, L S; Stott, P; Kyle, G

    1998-01-01

    The credibility of modern science is grounded on the perception of the objectivity of its scientists, but that credibility can be undermined by financial conflicts of interest. The US Public Health Service and the National Science Foundation issued regulations effective October 1, 1995, regarding the disclosure of financial interests in the submission of grant proposals. Several scientific journals have also established pertinent policies for authors and editors. The objectives of this study were: (1) to select a set of published articles and observe the degree to which a sample of authors hold a financial interest in areas related to their research that are reportable under current standards, and (2) to examine the hypothesis that significant numbers of authors of articles in life science and biomedical journals have verifiable financial interests that might be important for journal editors and readers to know. This paper measures the frequency of selected financial interests held among lead authors of certain types of scientific publications and assesses disclosure practices of authors and journals. These objectives were applied to a pilot study of Massachusetts academic scientists who were cited as first or last author in at least one article published in 1992 in 14 leading journals of cell or molecular biology and medicine. We created a database of every original article published in 1992 by 14 leading life science and biomedical journals, supplemented by data sets consisting of (1) Massachusetts biotechnology firms, including their officers and scientific advisory boards, and (2) scientists listed as inventors on patents or patent applications registered with the World Intellectual Property Organization. We examined 1,105 university authors (first and last cited) from Massachusetts institutions whose 789 articles, published in 1992, appeared in 14 scientific and medical journals. Authors are said to 'possess a financial interest' if they are listed as

  2. Interim Performance Objectives. Progress Report, 3rd Quarter Fiscal Year 1999.

    ERIC Educational Resources Information Center

    Office of Student Financial Assistance (ED), Washington, DC.

    This document contains a progress report on three categories of interim performance objectives outlined by the Office of Student Financial Assistance (OSFA) in winter 1999. These objectives were to: (1) improve customer service; (2) reduce the overall cost of delivering student aid; and (3) transform the OSFA into a performance-based organization.…

  3. Entropy-based financial asset pricing.

    PubMed

    Ormos, Mihály; Zibriczky, Dávid

    2014-01-01

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

  4. Entropy-Based Financial Asset Pricing

    PubMed Central

    Ormos, Mihály; Zibriczky, Dávid

    2014-01-01

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

  5. Situational reaction and planning

    NASA Technical Reports Server (NTRS)

    Yen, John; Pfluger, Nathan

    1994-01-01

    One problem faced in designing an autonomous mobile robot system is that there are many parameters of the system to define and optimize. While these parameters can be obtained for any given situation determining what the parameters should be in all situations is difficult. The usual solution is to give the system general parameters that work in all situations, but this does not help the robot to perform its best in a dynamic environment. Our approach is to develop a higher level situation analysis module that adjusts the parameters by analyzing the goals and history of sensor readings. By allowing the robot to change the system parameters based on its judgement of the situation, the robot will be able to better adapt to a wider set of possible situations. We use fuzzy logic in our implementation to reduce the number of basic situations the controller has to recognize. For example, a situation may be 60 percent open and 40 percent corridor, causing the optimal parameters to be somewhere between the optimal settings for the two extreme situations.

  6. Investigation on the Efficiency of Financial Companies in Malaysia with Data Envelopment Analysis Model

    NASA Astrophysics Data System (ADS)

    Weng Siew, Lam; Kah Fai, Liew; Weng Hoe, Lam

    2018-04-01

    Financial ratio and risk are important financial indicators to evaluate the financial performance or efficiency of the companies. Therefore, financial ratio and risk factor are needed to be taken into consideration to evaluate the efficiency of the companies with Data Envelopment Analysis (DEA) model. In DEA model, the efficiency of the company is measured as the ratio of sum-weighted outputs to sum-weighted inputs. The objective of this paper is to propose a DEA model by incorporating the financial ratio and risk factor in evaluating and comparing the efficiency of the financial companies in Malaysia. In this study, the listed financial companies in Malaysia from year 2004 until 2015 are investigated. The results of this study show that AFFIN, ALLIANZ, APEX, BURSA, HLCAP, HLFG, INSAS, LPI, MNRB, OSK, PBBANK, RCECAP and TA are ranked as efficient companies. This implies that these efficient companies have utilized their resources or inputs optimally to generate the maximum outputs. This study is significant because it helps to identify the efficient financial companies as well as determine the optimal input and output weights in maximizing the efficiency of financial companies in Malaysia.

  7. Associations between cancer-related financial stress and strain and psychological well-being among individuals living with cancer.

    PubMed

    Sharp, Linda; Carsin, Anne-Elie; Timmons, Aileen

    2013-04-01

    Cancer places a financial and economic burden on individuals, but relatively little is known about the consequences. We investigated associations between cancer-related financial stress and strain and psychological well-being. Individuals >6 months post-diagnosis with breast, prostate and lung cancer, identified from the National Cancer Registry Ireland, completed a postal questionnaire. Financial stress was assessed by the impact of the cancer diagnosis on household ability to make ends meet, financial strain by feelings about household financial situation since the cancer diagnosis and psychological well-being (depression, anxiety and distress) by the Depression Anxiety Stress Scales-21. Logistic regression was used to identify associations between financial stress and strain and depression, anxiety and distress of (a) any severity and (b) severe or worse. The response rate was 54%. Of 654 respondents, 49% reported increased financial stress and 32% increased financial strain due to cancer. Depression, anxiety and distress were present in: 36%, 29% and 29%, respectively (any severity); and 14%, 13% and 13%, respectively (severe or worse). In adjusted analyses, depression risk was raised threefold in those reporting increased cancer-related financial stress (odds ratio (OR) = 2.79, 95%CI 1.87-4.17) and increased cancer-related financial strain (OR = 3.56, 95%CI 2.23-5.67). For severe or worse depression, the risk estimates were more pronounced (increased stress: OR = 4.36, 95%CI 2.35-8.10; increased strain: OR = 8.21, 95%CI 3.79-17.77). Similar associations were found for anxiety and distress. Cancer-related financial stress and strain were consistently associated with increased risk of adverse psychological outcomes. If confirmed, these findings provide further rationale for initiatives to alleviate the financial burden of cancer. Copyright © 2012 John Wiley & Sons, Ltd.

  8. 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,…

  9. The cost of cancer: a retrospective analysis of the financial impact of cancer on young adults.

    PubMed

    Landwehr, Michelle S; Watson, Samantha E; Macpherson, Catherine F; Novak, Katherine A; Johnson, Rebecca H

    2016-05-01

    Young adult cancer survivors (YAs) are confronted with immense financial challenges in the wake of their treatment. Medical bills and loss of savings may cause YAs to forgo recommended medications or follow-up appointments. Young survivors with financial concerns also report depression, stress and anxiety. The Samfund is a national nonprofit organization that provides financial support to YAs post-treatment. To quantify the financial burden of cancer in YAs, a retrospective analysis was performed of data collected from Samfund grant applications of 334 YA cancer survivors. Grants were awarded between 2007 and 2013 and grant recipients were consented electronically in 2014 for retrospective data analysis. Recipients ranged from 19 to 39 years of age at the time of their grant applications. Descriptive statistics were calculated and compared to the Medical Expenditure Panel Survey (MEPS) and U.S. census data on age-matched peers. Financial indicators of YA cancer survivors are worse in many domains than those of age-matched controls. Furthermore, YA survivors in their 30s report more perilous prefunding financial situations than younger grant recipients. Cancer has a devastating and age-specific impact on the finances of YAs. Philanthropic grants from the cancer support community, in conjunction with healthcare policy reforms, have the potential to break the cycle of financial need and help YAs move forward with their lives after cancer treatment. © 2016 The Authors. Cancer Medicine published by John Wiley & Sons Ltd.

  10. Everyday Pedagogical Practices in Mathematical Play Situations in German "Kindergarten"

    ERIC Educational Resources Information Center

    Brandt, Birgit

    2013-01-01

    This study describes situations in German daycare facilities (Kindergarten) in which the development of mathematical thinking in children is specifically encouraged through examination of common play objects. Using micro-sociological methods of analysis, the mathematical potential of such interactions between teacher and child is elaborated within…

  11. An Imagineering Approach to the Future of Space Situational Awareness

    NASA Astrophysics Data System (ADS)

    Luce, R.

    It is widely accepted that space is becoming a more congested, contested, and competitive domain. This drives a need not only to track space objects but also to have a clear and constant picture of what the objects are and how they are being operated. Space situational awareness, like most mission areas, suffers from the need to maintain aging, increasingly fragile legacy infrastructure and at the same time acquire increasingly complex materiel solutions that often fall behind schedule and over budget. Imagineering, the name for both the process by which Disney creates new theme park experiences and the corporate division that does the work, offers some new ways of thinking about balancing these needs and providing better bang-for-the-buck. Through a series of personal anecdotes that illustrate key concepts of Imagineering, this paper supports a conclusion that a new way of thinking about the space situational awareness mission area will be needed to ensure mission success moving forward.

  12. Survey of emergency medicine resident debt status and financial planning preparedness.

    PubMed

    Glaspy, Jeffrey N; Ma, O John; Steele, Mark T; Hall, Jacqueline

    2005-01-01

    Most resident physicians accrue significant financial debt throughout their medical and graduate medical education. The objective of this study was to analyze emergency medicine resident debt status, financial planning actions, and educational experiences for financial planning and debt management. A 22-item questionnaire was sent to all 123 Accreditation Council on Graduate Medical Education-accredited emergency medicine residency programs in July 2001. Two follow-up mailings were made to increase the response rate. The survey addressed four areas of resident debt and financial planning: 1) accrued debt, 2) moonlighting activity, 3) financial planning/debt management education, and 4) financial planning actions. Descriptive statistics were used to analyze the data. Survey responses were obtained from 67.4% (1,707/2,532) of emergency medicine residents in 89 of 123 (72.4%) residency programs. Nearly one half (768/1,707) of respondents have accrued more than 100,000 dollars of debt. Fifty-eight percent (990/1,707) of all residents reported that moonlighting would be necessary to meet their financial needs, and more than 33% (640/1,707) presently moonlight to supplement their income. Nearly one half (832/1,707) of residents actively invested money, of which online trading was the most common method (23.3%). Most residents reported that they received no debt management education during residency (82.1%) or medical school (63.7%). Furthermore, 79.1% (1,351/1,707) of residents reported that they received no financial planning lectures during residency, although 84.2% (1,438/1,707) reported that debt management and financial planning education should be available during residency. Most emergency medicine residency programs do not provide their residents with financial planning education. Most residents have accrued significant debt and believe that more financial planning and debt management education is needed during residency.

  13. Detection of fraudulent financial statements using the hybrid data mining approach.

    PubMed

    Chen, Suduan

    2016-01-01

    The purpose of this study is to construct a valid and rigorous fraudulent financial statement detection model. The research objects are companies which experienced both fraudulent and non-fraudulent financial statements between the years 2002 and 2013. In the first stage, two decision tree algorithms, including the classification and regression trees (CART) and the Chi squared automatic interaction detector (CHAID) are applied in the selection of major variables. The second stage combines CART, CHAID, Bayesian belief network, support vector machine and artificial neural network in order to construct fraudulent financial statement detection models. According to the results, the detection performance of the CHAID-CART model is the most effective, with an overall accuracy of 87.97 % (the FFS detection accuracy is 92.69 %).

  14. 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…

  15. Institutional, Financial, Legal, and Cultural Factors in a Distance Learning Program.

    PubMed

    Blakeman, Rachel; Haseley, Dennis

    2015-06-01

    As psychoanalytic institutes evolve, adapting to the contemporary financial and social environment, the integration of new technologies into psychoanalytic education presents opportunities for expansion to candidates residing beyond the usual geographic boundaries. While the teaching of analytic content through distance learning programs appears to be relatively straightforward, factors including legalities, traditional mind-sets, and cross-cultural issues need to be considered as complicating the situation, as illustrated by one U.S. institute's distance learning initiative with a group in South Korea. © 2015 by the American Psychoanalytic Association.

  16. Poorer Financial and Health Literacy Among Community-Dwelling Older Adults With Mild Cognitive Impairment

    PubMed Central

    Han, S. Duke; Boyle, Patricia A.; James, Bryan D.; Yu, Lei; Bennett, David A.

    2015-01-01

    Objective Literacy is an important determinant of financial and health outcomes in old age, and cognitive decline has been linked with lower literacy. We tested the hypothesis that mild cognitive impairment (MCI) is associated with poorer financial and health literacy. Method Participants (n = 730) from the Rush Memory and Aging Project were given a clinical evaluation and an assessment of total, financial, and health literacy. Regression was used to examine whether MCI was associated with lower literacy. In secondary analyses, we investigated the association of particular cognitive systems with literacy. Results MCI was associated with lower total, financial, and health literacy. An interaction was observed such that higher education reduced the effect of MCI on total and financial literacy. Multiple cognitive systems were associated with literacy in participants with MCI, and semantic memory accounted for the most variance. Discussion Persons with MCI exhibit poorer financial and health literacy, and education mitigates this effect. PMID:25903976

  17. Financial incentives in health: New evidence from India's Janani Suraksha Yojana.

    PubMed

    Powell-Jackson, Timothy; Mazumdar, Sumit; Mills, Anne

    2015-09-01

    This paper studies the health effects of one of the world's largest demand-side financial incentive programmes--India's Janani Suraksha Yojana. Our difference-in-difference estimates exploit heterogeneity in the implementation of the financial incentive programme across districts. We find that cash incentives to women were associated with increased uptake of maternity services but there is no strong evidence that the JSY was associated with a reduction in neonatal or early neonatal mortality. The positive effects on utilisation are larger for less educated and poorer women, and in places where the cash payment was most generous. We also find evidence of unintended consequences. The financial incentive programme was associated with a substitution away from private health providers, an increase in breastfeeding and more pregnancies. These findings demonstrate the potential for financial incentives to have unanticipated effects that may, in the case of fertility, undermine the programme's own objective of reducing mortality. Copyright © 2015 The Authors. Published by Elsevier B.V. All rights reserved.

  18. A schema-based model of situation awareness: Implications for measuring situation awareness

    NASA Technical Reports Server (NTRS)

    Fracker, Martin L.

    1988-01-01

    Measures of pilot situation awareness (SA) are needed in order to know whether new concepts in display design help pilots keep track of rapidly changing tactical situations. In order to measure SA, a theory of situation assessment is needed. Such a theory is summarized, encompassing both a definition of SA and a model of situation assessment. SA is defined as the pilot's knowledge about a zone of interest at a given level of abstraction. Pilots develop this knowledge by sampling data from the environment and matching the sampled data to knowledge structures stored in long-term memory. Matched knowledge structures then provide the pilot's assessment of the situation and serve to guide his attention. A number of cognitive biases that result from the knowledge matching process are discussed, as are implications for partial report measures of situation awareness.

  19. Financial Exploitation Is Associated With Structural and Functional Brain Differences in Healthy Older Adults.

    PubMed

    Spreng, R Nathan; Cassidy, Benjamin N; Darboh, Bri S; DuPre, Elizabeth; Lockrow, Amber W; Setton, Roni; Turner, Gary R

    2017-10-01

    Age-related brain changes leading to altered socioemotional functioning may increase vulnerability to financial exploitation. If confirmed, this would suggest a novel mechanism leading to heightened financial exploitation risk in older adults. Development of predictive neural markers could facilitate increased vigilance and prevention. In this preliminary study, we sought to identify structural and functional brain differences associated with financial exploitation in older adults. Financially exploited older adults (n = 13, 7 female) and a matched cohort of older adults who had been exposed to, but avoided, a potentially exploitative situation (n = 13, 7 female) were evaluated. Using magnetic resonance imaging, we examined cortical thickness and resting state functional connectivity. Behavioral data were collected using standardized cognitive assessments, self-report measures of mood and social functioning. The exploited group showed cortical thinning in anterior insula and posterior superior temporal cortices, regions associated with processing affective and social information, respectively. Functional connectivity encompassing these regions, within default and salience networks, was reduced, while between network connectivity was increased. Self-reported anger and hostility was higher for the exploited group. We observed financial exploitation associated with brain differences in regions involved in socioemotional functioning. These exploratory and preliminary findings suggest that alterations in brain regions implicated in socioemotional functioning may be a marker of financial exploitation risk. Large-scale, prospective studies are necessary to validate this neural mechanism, and develop predictive markers for use in clinical practice. © The Author 2017. Published by Oxford University Press on behalf of The Gerontological Society of America.

  20. Application of cognitive diagnosis models to competency-based situational judgment tests.

    PubMed

    García, Pablo Eduardo; Olea, Julio; De la Torre, Jimmy

    2014-01-01

    Profiling of jobs in terms of competency requirements has increasingly been applied in many organizational settings. Testing these competencies through situational judgment tests (SJTs) leads to validity problems because it is not usually clear which constructs SJTs measure. The primary purpose of this paper is to evaluate whether the application of cognitive diagnosis models (CDM) to competency-based SJTs can ascertain the underlying competencies measured by the items, and whether these competencies can be estimated precisely. The generalized deterministic inputs, noisy "and" gate (G-DINA) model was applied to 26 situational judgment items measuring professional competencies based on the great eight model. These items were applied to 485 employees of a Spanish financial company. The fit of the model to the data and the convergent validity between the estimated competencies and personality dimensions were examined. The G-DINA showed a good fit to the data and the estimated competency factors, adapting and coping and interacting and presenting were positively related to emotional stability and extraversion, respectively. This work indicates that CDM can be a useful tool when measuring professional competencies through SJTs. CDM can clarify the competencies being measured and provide precise estimates of these competencies.

  1. Geosynchronous Patrol Orbit for Space Situational Awareness

    NASA Astrophysics Data System (ADS)

    Thompson, B.; Kelecy, T.; Kubancik, T.; Flora, T.; Chylla, M.; Rose, D.

    Applying eccentricity to a geosynchronous orbit produces both longitudinal and radial motion when viewed in Earth-fixed coordinates. An interesting family of orbits emerges, useful for “neighborhood patrol” space situational awareness and other missions. The basic result is a periodic (daily), quasielliptical, closed path around a fixed region of the geosynchronous (geo) orbit belt, keeping a sensor spacecraft in relatively close vicinity to designated geo objects. The motion is similar, in some regards, to the relative motion that may be encountered during spacecraft proximity operations, but on a much larger scale. The patrol orbit does not occupy a fixed slot in the geo belt, and the east-west motion can be combined with north-south motion caused by orbital inclination, leading to even greater versatility. Some practical uses of the geo patrol orbit include space surveillance (including catalog maintenance), and general space situational awareness. The patrol orbit offers improved, diverse observation geometry for angles-only sensors, resulting in faster, more accurate orbit determination compared to simple inclined geo orbits. In this paper, we analyze the requirements for putting a spacecraft in a patrol orbit, the unique station keeping requirements to compensate for perturbations, repositioning the patrol orbit to a different location along the geo belt, maneuvering into, around, and out of the volume for proximity operations with objects within the volume, and safe end-of-life disposal requirements.

  2. Subjective versus objective measures of tic severity in Tourette syndrome - The influence of environment.

    PubMed

    Barnea, Meirav; Benaroya-Milshtein, Noa; Gilboa-Sechtman, Eva; Woods, Douglas W; Piacentini, John; Fennig, Silvana; Apter, Alan; Steinberg, Tamar

    2016-08-30

    The objective of this study was to examine the influence of environmental challenges on tic expression by subjective and objective measures. The study group consisted of 41 children aged 6-18 years (M=10.15, SD=2.73) with a primary diagnosis of Tourette syndrome. Subjective measures included the Functional Assessment Interview developed for this study and three standard validated instruments. The objective measure was a video-recording of the patients in five daily-life situations: watching television, doing homework, being alone, receiving attention when ticcing, and talking to a stranger. In addition, the effect of premonitory urges on assessment of tic expression was evaluated. The associations between the subjective and objective measures of tic expression were moderate to low. A significantly higher number of tics were observed in the television situation, and a significantly lower number in the alone situation, compared to the other situations. Higher levels of premonitory urge were associated with greater awareness of objectively measured tic expression. In conclusion, tic expression is significantly influenced by the environment. Subjective measures of tic expression may be misleading. These results have implications for refining the clinical assessment of tics, improving research methodology, and developing new therapeutic strategies. Copyright © 2016 Elsevier Ireland Ltd. All rights reserved.

  3. Integrating Physical Actions and Financial Instruments to Manage Environmental Financial Risk

    NASA Astrophysics Data System (ADS)

    Foster, B.

    2016-12-01

    Exposure to extreme weather events can be reduced through physical actions (e.g., dams/reservoirs) or mitigated financially (e.g., insurance). Often physical actions involve investments in expensive infrastructure that reduce exposure, but whose benefits are only occasionally realized. Financial risk management does not reduce the impacts of an event, but rather redistributes them temporally, albeit at a cost. Nonetheless, these costs are typically much smaller, at least in the short run, than those incurred for physical actions. Financial strategies are also more flexible than physical ones in the face of an uncertain future. Financial contracts specifically designed to manage extreme environmental risks are becoming more common and can either replace or complement infrastructural investments as part of a risk management portfolio. In order to make optimal decisions as to the relative levels of physical and financial risk mitigation to employ, it is necessary to understand the relative merits of each strategy. This research develops a method for analyzing tradeoffs between physical and financial risk management strategies. We identify the unique cost and benefit properties of each strategy and integrate them into a single model that details the tradeoffs involved in various portfolios of physical and financial strategies. These methods are then applied to evaluate decisions to pursue emergency dredging during drought on the Mississippi River, which is used to mitigate the increased costs and/or reduced revenues barge operators face when water levels are low. Currently the U.S. Army Corps of Engineers funds most emergency dredging operations during major droughts and they are considering more intensive strategies for future droughts. Barge carriers and shippers though could manage at least some portion of their financial risks through a series of existing and experimental financial contracts. This work involves the formulation of these experimental contracts and

  4. Situation Awareness. Report of Break-Out Group 4.

    DTIC Science & Technology

    2006-10-01

    abstraction of the objects and contents, which are displayed and analysed with a visualisation tool. To get a clear picture of the situation around you do...cities, villages etc.). It is possible for other types of information to be visualised /handled similarly for network and data analysis. A good example...interesting feature of a visualisation tool concerning reliability/uncertainty might be the possibility to show/hide uncertain information. This means that

  5. Internal Controls and Compliance With Laws and Regulations for the DOD Consolidated Financial Statements for FY 1997

    DTIC Science & Technology

    1998-06-22

    The primary audit objective was to determine whether the DoD Consolidated Financial Statements for FY 1997 were presented fairly in accordance with...determined whether controls were adequate to ensure that the DoD consolidated financial statements were free of material error. We also assessed DoD

  6. Internal Controls and Compliance With Laws and Regulations for the DOD Consolidated Financial Statements for FY 1996

    DTIC Science & Technology

    1997-06-30

    The primary audit objective was to determine whether the DoD Consolidated Financial Statements for FY 1996 were presented fairly in accordance with...In addition, we determined whether controls were adequate to ensure that the DoD consolidated financial statements were free of material error. We

  7. Financial Audit: EPA’s Financial Statements for Fiscal Years 1988 and 1987

    DTIC Science & Technology

    1990-03-16

    consolidated financial statements for the fiscal years ended September 30, 1988 and 1987, and our reports on internal accounting controls and compliance...Cognizant Officials 20 Report on Compliance 21 With Laws and Regulations Financial Statements 22 Consolidated Statement of Financial Position 22 Consolidated ...Statement of Operations 23 Consolidated Statement of Changes in Financial Position 24 and Reconciliation to Budget Notes to Financial Statements 25

  8. Deficiencies in FY 1998 DOD Financial Statements and Progress Toward Improved Financial Reporting

    DTIC Science & Technology

    1999-11-26

    DEFICIENCIES IN FY 1998 DOD FINANCIAL STATEMENTS AND PROGRESS TOWARD IMPROVED FINANCIAL REPORTING Report No. D-2000-041 November 26, 1999 Office... Financial Reporting (Report No. D-2000-041) We are providing this audit report for information and use. It identifies and summarizes the major...8FI-2025.02) Deficiencies in FY 1998 DoD Financial Statements and Progress Toward Improved Financial Reporting Executive Summary Introduction

  9. 77 FR 27381 - Financial Crimes Enforcement Network: Customer Due Diligence Requirements for Financial...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-10

    ...-AB15 Financial Crimes Enforcement Network: Customer Due Diligence Requirements for Financial... concerning customer due diligence requirements for financial institutions. DATES: Written comments on the... customer due diligence requirements for financial institutions.\\1\\ FinCEN received several comments on the...

  10. Financial Management: Major Deficiencies in Financial Reporting for Other Defense Organizations-General Funds

    DTIC Science & Technology

    2002-05-31

    explains major financial reporting deficiencies that diminish the quality and utility of the Other Defense Organizations-General Funds financial reports...Accounting Service have taken steps to improve the financial reporting process of the Other Defense Organizations, deficiencies related to financial

  11. Individual, Situational and Topic Interest in Geoscience Among 11- And 12-Year-Old Children

    ERIC Educational Resources Information Center

    Trend, Roger

    2005-01-01

    All interest necessarily links the person with the external environment: the object/s of interest. Research into children's interests is examined in the context of a rapidly-expanding literature which has generated several powerful concepts in recent decades, notably "individual interest", "situational interest" and "topic interest". The first is…

  12. Financing Academic Departments of Psychiatry

    ERIC Educational Resources Information Center

    Liptzin, Benjamin; Meyer, Roger E.

    2011-01-01

    Objective: The authors describe the many financial challenges facing academic departments of psychiatry and the resulting opportunities that may arise. Method: The authors review the history of financial challenges, the current economic situation, and what may lie ahead for academic departments of psychiatry. Results: The current environment has…

  13. A Vision-Based Wayfinding System for Visually Impaired People Using Situation Awareness and Activity-Based Instructions

    PubMed Central

    Kim, Eun Yi

    2017-01-01

    A significant challenge faced by visually impaired people is ‘wayfinding’, which is the ability to find one’s way to a destination in an unfamiliar environment. This study develops a novel wayfinding system for smartphones that can automatically recognize the situation and scene objects in real time. Through analyzing streaming images, the proposed system first classifies the current situation of a user in terms of their location. Next, based on the current situation, only the necessary context objects are found and interpreted using computer vision techniques. It estimates the motions of the user with two inertial sensors and records the trajectories of the user toward the destination, which are also used as a guide for the return route after reaching the destination. To efficiently convey the recognized results using an auditory interface, activity-based instructions are generated that guide the user in a series of movements along a route. To assess the effectiveness of the proposed system, experiments were conducted in several indoor environments: the sit in which the situation awareness accuracy was 90% and the object detection false alarm rate was 0.016. In addition, our field test results demonstrate that users can locate their paths with an accuracy of 97%. PMID:28813033

  14. Reciprocity as a Foundation of Financial Economics.

    PubMed

    Johnson, Timothy C

    This paper argues that the subsistence of the fundamental theorem of contemporary financial mathematics is the ethical concept 'reciprocity'. The argument is based on identifying an equivalence between the contemporary, and ostensibly 'value neutral', Fundamental Theory of Asset Pricing with theories of mathematical probability that emerged in the seventeenth century in the context of the ethical assessment of commercial contracts in a framework of Aristotelian ethics. This observation, the main claim of the paper, is justified on the basis of results from the Ultimatum Game and is analysed within a framework of Pragmatic philosophy. The analysis leads to the explanatory hypothesis that markets are centres of communicative action with reciprocity as a rule of discourse. The purpose of the paper is to reorientate financial economics to emphasise the objectives of cooperation and social cohesion and to this end, we offer specific policy advice.

  15. Marketing Financial Aid

    ERIC Educational Resources Information Center

    Huddleston, Thomas, Jr.; Batty, Burt F.

    1978-01-01

    Student financial assistance services are becoming a major part of the institutional marketing plan as traditional college-age students decline in numbers and price competition among institutions increases. The effect of financial aid on enrollment and admissions processes is discussed along with the role of the financial aid officer. (Author/LBH)

  16. Hedging the financial risk from water scarcity for Great Lakes shipping

    NASA Astrophysics Data System (ADS)

    Meyer, Eliot S.; Characklis, Gregory W.; Brown, Casey; Moody, Paul

    2016-01-01

    Low water levels in the Great Lakes have recently had significant financial impacts on the region's commercial shipping, which transports hundreds of millions of dollars' worth of bulk goods each year. Cargo capacity is a function of a ship's draft, the distance between water level and the ship's bottom, and lower water levels force ships to reduce cargo loads to prevent running aground in shallow harbors and locks. Financial risk transfer instruments, such as index-based insurance contracts, may provide an adaptable method for managing these financial risks. In this work, a relationship between water levels and shipping revenues is developed and used in an actuarial analysis of the frequency and magnitude of revenue losses. This analysis is used to develop a standardized suite of binary financial contracts, which are indexed to water levels and priced according to predefined thresholds. These contracts are then combined to form hedging portfolios with different objectives for the shippers. Results suggest that binary contracts could substantially reduce the risk of financial losses during low lake level periods and at a relatively low cost of only one to three percent of total revenues, depending on coverage level.

  17. A comparison of moving object detection methods for real-time moving object detection

    NASA Astrophysics Data System (ADS)

    Roshan, Aditya; Zhang, Yun

    2014-06-01

    Moving object detection has a wide variety of applications from traffic monitoring, site monitoring, automatic theft identification, face detection to military surveillance. Many methods have been developed across the globe for moving object detection, but it is very difficult to find one which can work globally in all situations and with different types of videos. The purpose of this paper is to evaluate existing moving object detection methods which can be implemented in software on a desktop or laptop, for real time object detection. There are several moving object detection methods noted in the literature, but few of them are suitable for real time moving object detection. Most of the methods which provide for real time movement are further limited by the number of objects and the scene complexity. This paper evaluates the four most commonly used moving object detection methods as background subtraction technique, Gaussian mixture model, wavelet based and optical flow based methods. The work is based on evaluation of these four moving object detection methods using two (2) different sets of cameras and two (2) different scenes. The moving object detection methods have been implemented using MatLab and results are compared based on completeness of detected objects, noise, light change sensitivity, processing time etc. After comparison, it is observed that optical flow based method took least processing time and successfully detected boundary of moving objects which also implies that it can be implemented for real-time moving object detection.

  18. Economic and financial viability of small-scale dairy systems in central Mexico: economic scenario 2010-2018.

    PubMed

    Posadas-Domínguez, R R; Callejas-Juárez, N; Arriaga-Jordán, C M; Martínez-Castañeda, F E

    2016-12-01

    A simulation Monte Carlo model was used to assess the economic and financial viability of 130 small-scale dairy farms in central Mexico, through a Representative Small-Scale Dairy Farm. Net yields were calculated for a 9-year planning horizon by means of simulated values for the distribution of input and product prices taking 2010 as base year and considering four scenarios which were compared against the scenario of actual production. The other scenarios were (1) total hiring in of needed labour; (2) external purchase of 100 % of inputs and (3) withdrawal of subsidies to production. A stochastic modelling approach was followed to determine the scenario with the highest economic and financial viability. Results show a viable economic and financial situation for the real production scenario, as well as the scenarios for total hiring of labour and of withdrawal of subsidies, but the scenario when 100 % of feed inputs for the herd are bought-in was not viable.

  19. Cross-Situational Learning with Bayesian Generative Models for Multimodal Category and Word Learning in Robots

    PubMed Central

    Taniguchi, Akira; Taniguchi, Tadahiro; Cangelosi, Angelo

    2017-01-01

    In this paper, we propose a Bayesian generative model that can form multiple categories based on each sensory-channel and can associate words with any of the four sensory-channels (action, position, object, and color). This paper focuses on cross-situational learning using the co-occurrence between words and information of sensory-channels in complex situations rather than conventional situations of cross-situational learning. We conducted a learning scenario using a simulator and a real humanoid iCub robot. In the scenario, a human tutor provided a sentence that describes an object of visual attention and an accompanying action to the robot. The scenario was set as follows: the number of words per sensory-channel was three or four, and the number of trials for learning was 20 and 40 for the simulator and 25 and 40 for the real robot. The experimental results showed that the proposed method was able to estimate the multiple categorizations and to learn the relationships between multiple sensory-channels and words accurately. In addition, we conducted an action generation task and an action description task based on word meanings learned in the cross-situational learning scenario. The experimental results showed that the robot could successfully use the word meanings learned by using the proposed method. PMID:29311888

  20. Towards smart environments using smart objects.

    PubMed

    Sedlmayr, Martin; Prokosch, Hans-Ulrich; Münch, Ulli

    2011-01-01

    Barcodes, RFID, WLAN, Bluetooth and many more technologies are used in hospitals. They are the technological bases for different applications such as patient monitoring, asset management and facility management. However, most of these applications exist side by side with hardly any integration and even interoperability is not guaranteed. Introducing the concept of smart objects inspired by the Internet of Things can improve the situation by separating the capabilities and functions of an object from the implementing technology such as RFID or WLAN. By aligning technological and business developments smart objects have the power to transform a hospital from an agglomeration of technologies into a smart environment.

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

    PubMed

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

    2015-03-01

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

  2. 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…

  3. The Relationship between Financial Strain, Perceived Stress, Psychological Symptoms, and Academic and Social Integration in Undergraduate Students

    ERIC Educational Resources Information Center

    Adams, Danielle R.; Meyers, Steven A.; Beidas, Rinad S.

    2016-01-01

    Objective: Financial strain may directly or indirectly (i.e., through perceived stress) impact students' psychological symptoms and academic and social integration, yet few studies have tested these relationships. The authors explored the mediating effect of perceived stress on the relationship between financial strain and 2 important outcomes:…

  4. Financial Analysis: A Review of the Methods and Their Application to Employee Training. Training and Development Research Center Project Number Nine.

    ERIC Educational Resources Information Center

    Mosier, Nancy R.

    Financial analysis techniques are tools that help managers make sound financial decisions that contribute to general corporate objectives. A literature review reveals that the most commonly used financial analysis techniques are payback time, average rate of return, present value or present worth, and internal rate of return. Despite the success…

  5. Funding for Higher Education in Asia and the Pacific. Strategies To Increase Cost Efficiency and Attract Additional Financial Support.

    ERIC Educational Resources Information Center

    Harman, Grant, Ed.; Selim, M., Ed.

    This book presents articles that document the serious funding problems faced by higher education institutions and systems in the Asian and Pacific region, and explores possible strategies to address these problems. It presents an overview of the financial situation faced by higher education in the region, and then discusses two main strategies…

  6. Inspector General, DOD, Oversight of the Air Force Audit Agency Audit of the FY 1995 Air Force Consolidated Financial Statements.

    DTIC Science & Technology

    1996-04-18

    financial statements . We delegated the audit of the FY 1995 Air Force consolidated financial statements to the Air Force Audit Agency. On March 1...1996, the Air Force Audit Agency issued its "Report of Audit: Opinion on Fiscal Year 1995 Air Force Consolidated Financial Statements " (Project 94053001...disclaimer of opinion. The audit objective was to determine the accuracy and completeness of the audit of the FY 1995 Air Force consolidated financial statements conducted

  7. Public health nutrition practice in Canada: a situational assessment.

    PubMed

    Fox, Ann; Chenhall, Cathy; Traynor, Marie; Scythes, Cindy; Bellman, Jane

    2008-08-01

    Renewed focus on public health has brought about considerable interest in workforce development among public health nutrition professionals in Canada. The present article describes a situational assessment of public health nutrition practice in Canada that will be used to guide future workforce development efforts. A situational assessment is a planning approach that considers strengths and opportunities as well as needs and challenges, and emphasizes stakeholder participation. This situational assessment consisted of four components: a systematic review of literature on public health nutrition workforce issues; key informant interviews; a PEEST (political, economic, environmental, social, technological) factor analysis; and a consensus meeting. Information gathered from these sources identified key nutrition and health concerns of the population; the need to define public health nutrition practice, roles and functions; demand for increased training, education and leadership opportunities; inconsistent qualification requirements across the country; and the desire for a common vision among practitioners. Findings of the situational assessment were used to create a three-year public health nutrition workforce development strategy. Specific objectives of the strategy are to define public health nutrition practice in Canada, develop competencies, collaborate with other disciplines, and begin to establish a new professional group or leadership structure to promote and enhance public health nutrition practice. The process of conducting the situational assessment not only provided valuable information for planning purposes, but also served as an effective mechanism for engaging stakeholders and building consensus.

  8. Financial decision-making abilities and financial exploitation in older African Americans: Preliminary validity evidence for the Lichtenberg Financial Decision Rating Scale (LFDRS).

    PubMed

    Lichtenberg, Peter A; Ficker, Lisa J; Rahman-Filipiak, Annalise

    2016-01-01

    This study examines preliminary evidence for the Lichtenberg Financial Decision Rating Scale (LFDRS), a new person-centered approach to assessing capacity to make financial decisions, and its relationship to self-reported cases of financial exploitation in 69 older African Americans. More than one third of individuals reporting financial exploitation also had questionable decisional abilities. Overall, decisional ability score and current decision total were significantly associated with cognitive screening test and financial ability scores, demonstrating good criterion validity. Study findings suggest that impaired decisional abilities may render older adults more vulnerable to financial exploitation, and that the LFDRS is a valid tool.

  9. Efficient immunization strategies to prevent financial contagion

    NASA Astrophysics Data System (ADS)

    Kobayashi, Teruyoshi; Hasui, Kohei

    2014-01-01

    Many immunization strategies have been proposed to prevent infectious viruses from spreading through a network. In this work, we study efficient immunization strategies to prevent a default contagion that might occur in a financial network. An essential difference from the previous studies on immunization strategy is that we take into account the possibility of serious side effects. Uniform immunization refers to a situation in which banks are ``vaccinated'' with a common low-risk asset. The riskiness of immunized banks will decrease significantly, but the level of systemic risk may increase due to the de-diversification effect. To overcome this side effect, we propose another immunization strategy, called counteractive immunization, which prevents pairs of banks from failing simultaneously. We find that counteractive immunization can efficiently reduce systemic risk without altering the riskiness of individual banks.

  10. Choosing A Financial Institution. Teacher's Guide [and] Student Material.

    ERIC Educational Resources Information Center

    Turner, Elaine

    This document provides teaching guidelines and student material for a unit intended for use in high school business, consumer, or home economics programs. Time allotment is from four to six hours of classroom time. The objective of this capsule is to help students determine the financial institution that would best meet their needs. The student…

  11. 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.

  12. Impact of financial crisis on selected health outcomes in Europe.

    PubMed

    Baumbach, Anja; Gulis, Gabriel

    2014-06-01

    A number of health outcomes were affected by previous financial crises, e.g. suicides, homicides and transport accident mortality. Aim of this study was to analyse the effects of the current financial crisis on selected health outcomes at population level in Europe. A mixed approach of ecologic and time trend design was applied, including correlation analysis. For eight countries, data on the economic situation (unemployment rate and economic growth) and health indicators (overall mortality, suicide and transport accident mortality) was drawn from EUROSTAT database for 2000-10. Spearman's rank correlation was applied to analyse the influence of social protection on the association between exposure and outcome variables. The financial crisis had no visible effect on overall mortality in any of the eight countries until 2010. Transport accident mortality decreased in all eight countries, in the range of 18% in Portugal to 52% in Slovenia. In contrast, suicide mortality increased in Germany (+5.3%), Portugal (+5.2%), Czech Republic (+7.6%), Slovakia (+22.7%) and Poland (+19.3%). The effect of unemployment on suicide is higher in countries with lower social spending (Spearman's r = -0.83). Clear cause-effect relations could not be established owing to the ecological study design and issues concerning data availability. However, there are clear changes in suicide and transport accident mortality after onset of the crisis, and findings are consistent with previous work. As part of this work, a comprehensive framework was developed, which can be applied to analyse health effects of financial crises in more detail. © The Author 2014. Published by Oxford University Press on behalf of the European Public Health Association. All rights reserved.

  13. Robust object tacking based on self-adaptive search area

    NASA Astrophysics Data System (ADS)

    Dong, Taihang; Zhong, Sheng

    2018-02-01

    Discriminative correlation filter (DCF) based trackers have recently achieved excellent performance with great computational efficiency. However, DCF based trackers suffer boundary effects, which result in the unstable performance in challenging situations exhibiting fast motion. In this paper, we propose a novel method to mitigate this side-effect in DCF based trackers. We change the search area according to the prediction of target motion. When the object moves fast, broad search area could alleviate boundary effects and reserve the probability of locating object. When the object moves slowly, narrow search area could prevent effect of useless background information and improve computational efficiency to attain real-time performance. This strategy can impressively soothe boundary effects in situations exhibiting fast motion and motion blur, and it can be used in almost all DCF based trackers. The experiments on OTB benchmark show that the proposed framework improves the performance compared with the baseline trackers.

  14. Financial incentives to improve organ donation: what is the opinion of the Vaud French-speaking population?

    PubMed

    Bosisio, Francesca; Santiago, Marie; Benaroyo, Lazare

    2011-12-09

    With the increase of the organ shortage, several authors assume that financial incentives would improve organ donation rates and fill the unbalance between the demand and the organs available for transplant medicine. This line of argument has been criticised with people arguing that an exchange of money for organs would violate the legal and the ethical principle of gratuity, decrease voluntarism and increase the body parts commodification phenomena. Switzerland is often highlighted as having under-average organ donation rates compared to other European countries. In this paper we investigate the opinions of the Vaud French-speaking population concerning direct, indirect and non financial incentives in order to assess their opinions and anticipate the further debate. As part of a broad survey about the organ donation decision-making process, questions about incentives for both living and deceased organ donation were addressed to Vaud inhabitants and physicians. The data collected showed that respondents were opposed to rewarding both living and deceased organ donation. The analysis of positive answers showed that indirect and non financial incentives were the most likely choice to acknowledge the donor's act. People in critical financial situations preferred direct financial incentives. These results showed that altruism and gratuity were key-values in the organ donation and transplantation social perceptions of the respondents. Thus, we assume that introducing financial incentives could tarnish the image of transplant medicine. Nevertheless, further studies are needed to evaluate if their introduction would improve the organ donation rates or decrease voluntarism.

  15. Multiple utility constrained multi-objective programs using Bayesian theory

    NASA Astrophysics Data System (ADS)

    Abbasian, Pooneh; Mahdavi-Amiri, Nezam; Fazlollahtabar, Hamed

    2018-03-01

    A utility function is an important tool for representing a DM's preference. We adjoin utility functions to multi-objective optimization problems. In current studies, usually one utility function is used for each objective function. Situations may arise for a goal to have multiple utility functions. Here, we consider a constrained multi-objective problem with each objective having multiple utility functions. We induce the probability of the utilities for each objective function using Bayesian theory. Illustrative examples considering dependence and independence of variables are worked through to demonstrate the usefulness of the proposed model.

  16. An Assessment of ELINT Exploitation for Situational Awareness Visualisations on Operator Situational Awareness

    DTIC Science & Technology

    2006-10-01

    C L A S I F I C A T I O N An Assessment of ELINT Exploitation for Situational Awareness Visualisations on Operator Situational...environment. The An Assessment of ELINT Exploitation for Situational Awareness Visualisations on Operator Situational Awareness EXECUTIVE SUMMARY...1. ELEXSA’s Process of Sequential Enrichment. 2 Figure 2. Sample ELEXSA Visualisation . 3 Figure 3. Example Llama/Cheetah Network Layout. 5

  17. Need depriving effects of financial insecurity: Implications for well-being and financial behaviors.

    PubMed

    Weinstein, Netta; Stone, Dan N

    2018-06-28

    Evidence suggests that experiencing financial insecurity lowers well-being and increases problematic financial behaviors. The present article employs a self-determination theory (SDT; R. M. Ryan & Deci, 2000a) perspective to understand the mechanisms by which experiencing financial insecurity contributes to these detrimental outcomes. Informed by SDT, we expected that the basic psychological needs for autonomy, competence, and relatedness would drive these effects. Studies were concerned with individuals' general experiences of financial insecurity (using community samples; Studies 1 and 2), and employed manipulations involving self-reflection (Study 3) and hypothetical scenarios (Study 4). Findings demonstrated that financially insecure conditions undermined basic psychological needs and lowered well-being (measured in terms of self-esteem, depression, and anxiety). In addition, lower satisfaction of basic psychological needs linked financial insecurity to a greater likelihood of engaging in financial cheating (Studies 2 and 3) and risky financial decisions (Study 4). Importantly, this pattern of effects remained in evidence across socioeconomically diverse samples and income levels. We discuss implications for future interventions to improve the wellness of individuals in financially insecure circumstances. (PsycINFO Database Record (c) 2018 APA, all rights reserved).

  18. A hybrid approach of stepwise regression, logistic regression, support vector machine, and decision tree for forecasting fraudulent financial statements.

    PubMed

    Chen, Suduan; Goo, Yeong-Jia James; Shen, Zone-De

    2014-01-01

    As the fraudulent financial statement of an enterprise is increasingly serious with each passing day, establishing a valid forecasting fraudulent financial statement model of an enterprise has become an important question for academic research and financial practice. After screening the important variables using the stepwise regression, the study also matches the logistic regression, support vector machine, and decision tree to construct the classification models to make a comparison. The study adopts financial and nonfinancial variables to assist in establishment of the forecasting fraudulent financial statement model. Research objects are the companies to which the fraudulent and nonfraudulent financial statement happened between years 1998 to 2012. The findings are that financial and nonfinancial information are effectively used to distinguish the fraudulent financial statement, and decision tree C5.0 has the best classification effect 85.71%.

  19. Financial heat machine

    NASA Astrophysics Data System (ADS)

    Khrennikov, Andrei

    2005-05-01

    We consider dynamics of financial markets as dynamics of expectations and discuss such a dynamics from the point of view of phenomenological thermodynamics. We describe a financial Carnot cycle and the financial analog of a heat machine. We see, that while in physics a perpetuum mobile is absolutely impossible, in economics such mobile may exist under some conditions.

  20. Financial physics

    NASA Astrophysics Data System (ADS)

    Feigenbaum, James

    2003-10-01

    In this introduction to the burgeoning field of econophysics, we review the application of self-organized criticality to economics, the Cont-Bouchaud percolation model, multiple-strategy agent-based models of financial markets, the minority game, and log-periodic precursors to financial crashes.

  1. Can eye-tracking technology improve situational awareness in paramedic clinical education?

    PubMed

    Williams, Brett; Quested, Andrew; Cooper, Simon

    2013-01-01

    Human factors play a significant part in clinical error. Situational awareness (SA) means being aware of one's surroundings, comprehending the present situation, and being able to predict outcomes. It is a key human skill that, when properly applied, is associated with reducing medical error: eye-tracking technology can be used to provide an objective and qualitative measure of the initial perception component of SA. Feedback from eye-tracking technology can be used to improve the understanding and teaching of SA in clinical contexts, and consequently, has potential for reducing clinician error and the concomitant adverse events.

  2. Seeing and being seen: Shame in the clinical situation.

    PubMed

    Steiner, John

    2015-12-01

    Shame may prevent the patient from emerging from a psychic retreat. As begins to do so he confronts two fears, first of seeing the object more clearly and second of being seen become prominent. Seeing leads to deeper and more distressing feelings connected with guilt and depression as the damage done to good objects is recognized. However it cannot be faced if shame leads to a demand for immediate relief. Shame is a prominent feature of the analytic situation and recognizing this may help the analyst to support his patients to tolerate the discomfort of being seen so that the conflicts about seeing can be worked through. Two clinical examples are briefly discussed. In the first feelings of inferiority lessened as they were analysed and allowed appreciative and depressive feelings to emerge. In the second embarrassment was associated with progress that the patient felt he had made but was embarrassed to admit. It is argued that the analysis of shame in the analytic situation is necessary so that being seen can be tolerated and allow the conflicts over seeing to be worked through. Copyright © 2015 Institute of Psychoanalysis.

  3. 2.5-Year-Olds Use Cross-Situational Consistency to Learn Verbs under Referential Uncertainty

    ERIC Educational Resources Information Center

    Scott, Rose M.; Fisher, Cynthia

    2012-01-01

    Recent evidence shows that children can use cross-situational statistics to learn new object labels under referential ambiguity (e.g., Smith & Yu, 2008). Such evidence has been interpreted as support for proposals that statistical information about word-referent co-occurrence plays a powerful role in word learning. But object labels represent only…

  4. Real estate investments demand strategic planning, objectives.

    PubMed

    Bermas, N F

    1991-10-01

    Real estate may present a great opportunity for institutions to positively affect their bottom lines. But it takes planning and foresight to achieve a solid real estate plan. In the following article, the author describes the process necessary to develop a program that goes beyond converting empty buildings into nursing homes. The process goes from identifying strategic objectives to examining financial alternatives and preparing an implementation plan.

  5. Emerging interdependence between stock values during financial crashes.

    PubMed

    Rocchi, Jacopo; Tsui, Enoch Yan Lok; Saad, David

    2017-01-01

    To identify emerging interdependencies between traded stocks we investigate the behavior of the stocks of FTSE 100 companies in the period 2000-2015, by looking at daily stock values. Exploiting the power of information theoretical measures to extract direct influences between multiple time series, we compute the information flow across stock values to identify several different regimes. While small information flows is detected in most of the period, a dramatically different situation occurs in the proximity of global financial crises, where stock values exhibit strong and substantial interdependence for a prolonged period. This behavior is consistent with what one would generally expect from a complex system near criticality in physical systems, showing the long lasting effects of crashes on stock markets.

  6. Emerging interdependence between stock values during financial crashes

    PubMed Central

    Tsui, Enoch Yan Lok; Saad, David

    2017-01-01

    To identify emerging interdependencies between traded stocks we investigate the behavior of the stocks of FTSE 100 companies in the period 2000-2015, by looking at daily stock values. Exploiting the power of information theoretical measures to extract direct influences between multiple time series, we compute the information flow across stock values to identify several different regimes. While small information flows is detected in most of the period, a dramatically different situation occurs in the proximity of global financial crises, where stock values exhibit strong and substantial interdependence for a prolonged period. This behavior is consistent with what one would generally expect from a complex system near criticality in physical systems, showing the long lasting effects of crashes on stock markets. PMID:28542278

  7. Bats' avoidance of real and virtual objects: implications for the sonar coding of object size.

    PubMed

    Goerlitz, Holger R; Genzel, Daria; Wiegrebe, Lutz

    2012-01-01

    Fast movement in complex environments requires the controlled evasion of obstacles. Sonar-based obstacle evasion involves analysing the acoustic features of object-echoes (e.g., echo amplitude) that correlate with this object's physical features (e.g., object size). Here, we investigated sonar-based obstacle evasion in bats emerging in groups from their day roost. Using video-recordings, we first show that the bats evaded a small real object (ultrasonic loudspeaker) despite the familiar flight situation. Secondly, we studied the sonar coding of object size by adding a larger virtual object. The virtual object echo was generated by real-time convolution of the bats' calls with the acoustic impulse response of a large spherical disc and played from the loudspeaker. Contrary to the real object, the virtual object did not elicit evasive flight, despite the spectro-temporal similarity of real and virtual object echoes. Yet, their spatial echo features differ: virtual object echoes lack the spread of angles of incidence from which the echoes of large objects arrive at a bat's ears (sonar aperture). We hypothesise that this mismatch of spectro-temporal and spatial echo features caused the lack of virtual object evasion and suggest that the sonar aperture of object echoscapes contributes to the sonar coding of object size. Copyright © 2011 Elsevier B.V. All rights reserved.

  8. The Greek Financial Crisis: Discourses of Difference or Solidarity?

    ERIC Educational Resources Information Center

    Bickes, Hans; Otten, Tina; Weymann, Laura Chelsea

    2014-01-01

    The so-called Greek Financial Crisis, which has been the object of close attention in the German media since the end of 2009, has caused a public debate on who should be held responsible for the decline of crisis-hit Greece, the common currency and the Eurozone. The media's enduring and controversial public discussion has lately been referred to…

  9. Financial Conflicts of Interest, Disclosure, and Academic Discipline.

    PubMed

    Bruton, Samuel V; Sacco, Donald F; Didlake, Ralph

    2016-04-01

    Peer assessments of researchers' financial conflicts of interest (FCOIs) are crucial to effective FCOI management. We sought to determine how academics perceive FCOI disclosure and whether their perceptions vary depending on discipline and educational backgrounds. Participants (faculty and staff members from a multi-disciplinary academic medical center) responded to a questionnaire involving 10 hypothetical scenarios in which researchers either disclosed or failed to disclose a financial conflict (between-participants manipulation). Participants viewed disclosure as important and believed that researchers' objectivity would be affected by undisclosed FCOIs. In contrast to non-physicians, physicians showed greater recognition that the existence of an FCOI does not depend on its disclosure. This suggests that physicians are relatively well informed about FCOIs, which is likely attributable to more education about them. © The Author(s) 2016.

  10. Using speakers' referential intentions to model early cross-situational word learning.

    PubMed

    Frank, Michael C; Goodman, Noah D; Tenenbaum, Joshua B

    2009-05-01

    Word learning is a "chicken and egg" problem. If a child could understand speakers' utterances, it would be easy to learn the meanings of individual words, and once a child knows what many words mean, it is easy to infer speakers' intended meanings. To the beginning learner, however, both individual word meanings and speakers' intentions are unknown. We describe a computational model of word learning that solves these two inference problems in parallel, rather than relying exclusively on either the inferred meanings of utterances or cross-situational word-meaning associations. We tested our model using annotated corpus data and found that it inferred pairings between words and object concepts with higher precision than comparison models. Moreover, as the result of making probabilistic inferences about speakers' intentions, our model explains a variety of behavioral phenomena described in the word-learning literature. These phenomena include mutual exclusivity, one-trial learning, cross-situational learning, the role of words in object individuation, and the use of inferred intentions to disambiguate reference.

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

    PubMed

    West, Stacia; Friedline, Terri

    2016-10-01

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

  12. Prevalence, Risk Factors, and Outcomes of Financial Stress in Survivors of Critical Illness.

    PubMed

    Khandelwal, Nita; Hough, Catherine L; Downey, Lois; Engelberg, Ruth A; Carson, Shannon S; White, Douglas B; Kahn, Jeremy M; Jones, Derek M; Key, Mary D; Reagan, Wen; Porter, Laura S; Curtis, J Randall; Cox, Christopher E

    2018-06-01

    Little is known about the experience of financial stress for patients who survive critical illness or their families. Our objective was to describe the prevalence of financial stress among critically ill patients and their families, identify clinical and demographic characteristics associated with this stress, and explore associations between financial stress and psychologic distress. Secondary analysis of a randomized trial comparing a coping skills training program and an education program for patients surviving acute respiratory failure and their families. Five geographically diverse hospitals. Patients (n = 175) and their family members (n = 85) completed surveys within 2 weeks of arrival home and 3 and 6 months after randomization. We used regression analyses to assess associations between patient and family characteristics at baseline and financial stress at 3 and 6 months. We used path models and mediation analyses to explore relationships between financial stress, symptoms of anxiety and depression, and global mental health. Serious financial stress was high at both time points and was highest at 6 months (42.5%) among patients and at 3 months (48.5%) among family members. Factors associated with financial stress included female sex, young children at home, and baseline financial discomfort. Experiencing financial stress had direct effects on symptoms of anxiety (β = 0.260; p < 0.001) and depression (β = 0.048; p = 0.048). Financial stress after critical illness is common and associated with symptoms of anxiety and depression. Our findings provide direction for potential interventions to reduce this stress and improve psychologic outcomes for patients and their families.

  13. 75 FR 22680 - Financial Management Service; Proposed Collection of Information: Annual Financial Statement of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-29

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

  14. Architecture Design for the Space Situational Awareness System in the Preparedness Plan for Space Hazards of Republic of Korea

    NASA Astrophysics Data System (ADS)

    Choi, E.; Cho, S.; Shin, S.; Park, J.; Kim, J.; Kim, D.

    The threat posed by asteroids and comets has become one of the important issues. Jinju meteorite discovered in March 2014 has expanded the interest of the people of the fall of the natural space objects. Furthermore, the growing quantity of space debris is a serious threat to satellites and other spacecraft, which risk being damaged or even destroyed. In May of 2014, Korea established the preparedness plan for space hazards according to the space development promotion act which is amended to take action with respect to hazards from space. This plan is largely composed of 3 items such as system, technology and infrastructure. System is included the establishment and management of national space hazards headquarters at risk situation. Korea Astronomy and Space Science Institute (KASI) was designated as a space environment monitoring agency under the ministry of science, ICT and future planning (MSIP). Technology is supposed to develop the space situational awareness system that can monitor and detect space objects. For infrastructure, research and development of core technology will be promoted for capabilities improvement of space hazards preparedness such as software tools, application and data systems. This paper presents the architectural design for building space situational awareness system. The trade-off study of space situational awareness system for the Korea situation was performed. The results have shown the proposed architectural design. The baseline architecture is composed of Integrated Analysis System and Space Objects Monitoring System. Integrated Analysis System collects the status data from Space Objects Monitoring System and analyzes the space risk information through a data processing. For Space Objects Monitoring System, the all-sky surveillance camera, array radar and meteoroid surveillance sensor networks were considered. This system focuses on not only the threat of a large artificial satellite and natural space objects such as asteroids that

  15. Reporting of DOD Inventory and Operating Materials and Supplies on the FY 1997 DOD Consolidated Financial Statements.

    DTIC Science & Technology

    1998-11-05

    The overall audit objective was to determine whether the FY 1997 DoD Consolidated Financial Statements were presented fairly in accordance with the...disclaimer of opinion on the FY 1997 DoD Consolidated Financial Statements . We issued our report on internal controls and compliance with laws and regulations on June 22, 1998.

  16. Evaluations of emotional noninterpersonal situations by patients with borderline personality disorder.

    PubMed

    Sieswerda, Simkje; Arntz, Arnoud; Wolfis, Marionne

    2005-09-01

    According to cognitive models of borderline personality disorder (BPD), an important cause for the instability of patients with BPD is dichotomous thinking (DT). Object-relation theories assume that the similar phenomenon of splitting is central in BPD. Previous studies focusing on interpersonal situations found support for DT being prominent in BPD. The aim of this study was to investigate whether patients with BPD also make use of dichotomous and schema-specific evaluations in noninterpersonal situations. An experiment was designed in which a frustrating and rewarding situation was induced by computer games that subjects had to play. Participants evaluated both themselves and the games. Patients with BPD (n=24) were characterized by somewhat more extreme game evaluations in the emotionally negative situations than normal controls (n=25), participants with a cluster C (n=10) or an anti-social personality disorder (ASPD) (n=16). Patients with BPD appeared to be characterized best by a general negative evaluative style, more than by DT or splitting. ASPD participants showed a positivity bias in both conditions.

  17. Form over Substance: Learning Objectives in the Business Core

    ERIC Educational Resources Information Center

    Stokes, Leonard; Rosetti, Joseph L.; King, Michelle

    2010-01-01

    While members of the business faculty community have been advocating active learning in the classroom, it appears that textbooks encourage learning from a passive perspective. A review of learning objectives from 16 textbooks used in Financial Accounting, Managerial Accounting, Finance, and Marketing demonstrates a focus on basically the same set…

  18. High-frequency imaging radar for robotic navigation and situational awareness

    NASA Astrophysics Data System (ADS)

    Thomas, David J.; Luo, Changan; Knox, Robert

    2011-05-01

    With increasingly available high frequency radar components, the practicality of imaging radar for mobile robotic applications is now practical. Navigation, ODOA, situational awareness and safety applications can be supported in small light weight packaging. Radar has the additional advantage of being able sense through aerosols, smoke and dust that can be difficult for many optical systems. The ability to directly measure the range rate of an object is also an advantage in radar applications. This paper will explore the applicability of high frequency imaging radar for mobile robotics and examine a W-band 360 degree imaging radar prototype. Indoor and outdoor performance data will be analyzed and evaluated for applicability to navigation and situational awareness.

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

    ERIC Educational Resources Information Center

    Collins, J. Michael; Holden, Karen C.

    2014-01-01

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

  20. Task-oriented situation recognition

    NASA Astrophysics Data System (ADS)

    Bauer, Alexander; Fischer, Yvonne

    2010-04-01

    From the advances in computer vision methods for the detection, tracking and recognition of objects in video streams, new opportunities for video surveillance arise: In the future, automated video surveillance systems will be able to detect critical situations early enough to enable an operator to take preventive actions, instead of using video material merely for forensic investigations. However, problems such as limited computational resources, privacy regulations and a constant change in potential threads have to be addressed by a practical automated video surveillance system. In this paper, we show how these problems can be addressed using a task-oriented approach. The system architecture of the task-oriented video surveillance system NEST and an algorithm for the detection of abnormal behavior as part of the system are presented and illustrated for the surveillance of guests inside a video-monitored building.

  1. A Hybrid Approach of Stepwise Regression, Logistic Regression, Support Vector Machine, and Decision Tree for Forecasting Fraudulent Financial Statements

    PubMed Central

    Goo, Yeong-Jia James; Shen, Zone-De

    2014-01-01

    As the fraudulent financial statement of an enterprise is increasingly serious with each passing day, establishing a valid forecasting fraudulent financial statement model of an enterprise has become an important question for academic research and financial practice. After screening the important variables using the stepwise regression, the study also matches the logistic regression, support vector machine, and decision tree to construct the classification models to make a comparison. The study adopts financial and nonfinancial variables to assist in establishment of the forecasting fraudulent financial statement model. Research objects are the companies to which the fraudulent and nonfraudulent financial statement happened between years 1998 to 2012. The findings are that financial and nonfinancial information are effectively used to distinguish the fraudulent financial statement, and decision tree C5.0 has the best classification effect 85.71%. PMID:25302338

  2. Primacy of memory linkage in choice among valued objects.

    PubMed

    Jones, Gregory V; Martin, Maryanne

    2006-12-01

    Three psychological levels at which an object may be processed have been characterized by Norman (2004) in terms of the object's appearance, its usability, and its capacity to elicit memories. A series of experiments was carried out to investigate participants' choices among valued objects recalled in accordance with these three criteria. It was found consistently that objects selected for their capacity to elicit memories--here termed mnemoactive objects--were valued significantly more than the other objects. Even the financial or social importance of an object was outweighed by the importance of its memory link; possible implications for the economic analysis of subjective well-being are briefly discussed. The same pattern of mnemoactive dominance was found across age and gender. Appropriate choice of objects may allow an individual to exert a degree of indirect voluntary control over the activation of involuntary autobiographical memories, providing a new perspective on Proust's approach to memory.

  3. Employment situation and risk of death among middle-aged Japanese women.

    PubMed

    Honjo, Kaori; Iso, Hiroyasu; Ikeda, Ai; Fujino, Yoshihisa; Tamakoshi, Akiko

    2015-10-01

    Few studies have examined the health effects of employment situation among women, taking social and economic conditions into consideration. The objective of this research was to investigate the association of employment situation (full-time or part-time employee and self-employed) with mortality risk in women over a 20-year follow-up period. Additionally, we examined whether the association between employment situation and mortality in women differed by education level and marital status. We investigated the association of employment situation with mortality among 16,692 women aged 40-59 years enrolled in the Japan Collaborative Cohort Study. Multivariate HRs and 95% CIs for total deaths by employment situation were calculated after adjustment for age, disease history, residential area, education level, marital status and number of children. We also conducted subgroup analysis by education level and marital status. Multivariate HRs for mortality of part-time employees and self-employed workers were 1.48 (95% CI, 1.25 to 1.75) and 1.44 (95% CI, 1.21 to 1.72), respectively, with reference to women working full-time. Subgroup analysis by education level indicated that health effects in women according to employment situation were likely to be more evident in the low education-level group. Subgroup analysis by marital status indicated that this factor also affected the association between employment situation and risk of death. Among middle-aged Japanese women, employment situation was associated with mortality risk. Health effects were likely to differ by household structure and socioeconomic conditions. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://group.bmj.com/group/rights-licensing/permissions.

  4. 42 CFR 422.356 - Determining substantial financial risk and majority financial interest.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ...) Determining substantial financial risk. The PSO must demonstrate to CMS's satisfaction that it apportions a significant part of the financial risk of the PSO enterprise under the MA contract to each affiliated provider. The PSO must demonstrate that the financial arrangements among its affiliated providers constitute...

  5. 42 CFR 422.356 - Determining substantial financial risk and majority financial interest.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ...) Determining substantial financial risk. The PSO must demonstrate to CMS's satisfaction that it apportions a significant part of the financial risk of the PSO enterprise under the MA contract to each affiliated provider. The PSO must demonstrate that the financial arrangements among its affiliated providers constitute...

  6. Financial strain and birth weight: the mediating role of psychological distress.

    PubMed

    Mitchell, Amanda M; Christian, Lisa M

    2017-02-01

    The effects of financial strain during pregnancy have received limited attention. In addition, data examining the pathways by which SES indicators contribute to birth weight are lacking. The objective of the current study was to examine the potential pathway of psychological distress in the relationship between financial strain and birth weight. Participants consisted of 138 pregnant women who completed measures assessing financial strain, depressive symptoms, pregnancy-specific distress, perceived stress, and general anxiety during pregnancy (mean gestational age = 18.5, SD = 7.2). Birth outcome data were obtained via medical record review. Simple and parallel mediation models were conducted using PROCESS. Simple mediation models showed that depressive symptoms (95% CI -24.65, -0.90) and pregnancy-specific distress (95% CI -37.31, -5.91), but not perceived stress (95% CI -31.17, 4.69) or anxiety (95% CI -25.84, 5.57), served as mediators in the relationship between financial strain and birth weight. When depressive symptoms and pregnancy-specific distress were included in the same mediation model, only pregnancy-specific distress remained significant. Financial strain was positively associated with all facets of psychological distress and negatively associated with birth weight during pregnancy. The current study demonstrated the mechanistic role of pregnancy-specific distress in the link between financial strain and birth weight in a racially diverse sample. Interventions targeting pregnancy-specific distress may mitigate the effects of financial strain on birth weight. Studies examining whether pregnancy-specific distress accounts for the relationship between other types of stressor exposures and birth weight would be informative.

  7. "It's Not All About Money": Toward a More Comprehensive Understanding of Financial Abuse in the Context of VAW.

    PubMed

    Eriksson, Marie; Ulmestig, Rickard

    2017-12-01

    Men's violence against women (VAW) is multifaceted and complex. Besides physical, psychological, and sexual violence, women subjected to VAW often suffer from economic hardship and financial abuse. Financial abuse involves different tactics used to exercise power and gain control over partners. Experiences of financial abuse make it difficult for women to leave an abusive partner and become self-sufficient. From an intersectional perspective, applying the concept of the continuum of violence, the aim of this article is to develop a more comprehensive understanding of how women subjected to men's violence in intimate relationships experience the complexity of financial abuse in their lives, in the context of VAW. Based on 19 in-depth interviews with women surviving domestic violence, the study describes how intertwined women's experiences of financial abuse are with other forms of abuse, influencing each other, simultaneously experienced as a distinct form of abuse with severe and longstanding consequences. Women in the study describe how men's abuse affects them financially, causing poverty and affecting their ability to have a reasonable economic standard. Financial abuse also causes women ill health, and damages their self-esteem and ability to work, associate, and engage in social life. The interviewed women describe how experiences of financial abuse continue across time, from their past into their present situation and molding beliefs about the future. According to the interviews, financial abuse in private life sometimes continues into the public sphere, reproduced by social workers mimicking patterns of ex-partners' abuse. Bringing out a more comprehensive understanding of the dynamic continuum of financial abuse, our results deepen knowledge about the complexity of VAW in women's lives, and thereby are important in processes of making victims of violence survivors of violence.

  8. 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)

  9. [Analysis on funds application of community based organizations involved in HIV/AIDS response and government financial investment in China, 2014].

    PubMed

    Zhang, G; Zhu, Y X; Wang, P; Liu, P; Li, J F; Sha, S; Yang, W Z; Li, H

    2017-03-06

    Objective: To understand the government financial investments to community based organizations (CBO) involved in HIV/AIDS Control and Prevention of China and its influencing factors. Methods: Questionnaire of the situation of CBO involved in HIV/AIDS control and prevention were designed, and filled by the staff of Provincial Health Administrative Departments of 31 provinces (autonomous regions and municipalities). The research focused on the fields of CBO involved in HIV/AIDS response in 31 provinces (autonomous regions and municipalities), including intervention on HIV/AIDS high risk population (female sex worker (FSW), man who sex with man (MSM), drug user (DU) and case management and care for people living with HIV/AIDS (PLWH)). 29 valid questionnaires were collecting, with Shanxi Province and Inner Mongolia Autonomous Regions not filled. Questionnaire included financial supports from local governments, transfer payment from central government for CBO involved in HIV/AIDS response in 2014, and unit cost for CBO involved in HIV/AIDS control and prevention. Multivariate analysis was conducted on the project application and financial investment of community based organizations involved in HIV/AIDS control and prevention in 2014. Results: The total amount of CBO to apply for participation in AIDS prevention and control was 64 482 828 Yuan in 2014. The actual total amount of investment was 50 616 367 Yuan, The investment came from the central government funding, the provincial level government funding, the prefecture and county level government funding investment and other sources of funding. 22 of 28 provinces (autonomous regions and municipalities) received the funds from the central government finance, and median of investment funds 500 000 Yuan. 15 provinces (autonomous regions and municipalities) gained the funds from the provincial government finance, and median of investment funds 350 000 Yuan. 12 provinces (autonomous regions and municipalities) got the funds

  10. Understanding Business Interests in International Large-Scale Student Assessments: A Media Analysis of "The Economist," "Financial Times," and "Wall Street Journal"

    ERIC Educational Resources Information Center

    Steiner-Khamsi, Gita; Appleton, Margaret; Vellani, Shezleen

    2018-01-01

    The media analysis is situated in the larger body of studies that explore the varied reasons why different policy actors advocate for international large-scale student assessments (ILSAs) and adds to the research on the fast advance of the global education industry. The analysis of "The Economist," "Financial Times," and…

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

    NASA Astrophysics Data System (ADS)

    Wei, Song

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

  12. Engaging Critically with "Objective" Critical Analysis: A Situated Response to Openshaw and Rata

    ERIC Educational Resources Information Center

    Andreotti, Vanessa

    2009-01-01

    Roger Openshaw and Elizabeth Rata conceptualise Kaupapa Maori as a dominant intellectual orthodoxy in New Zealand, which creates a "culturalist ideological conformity" that limits the university's ability to serve as the critical conscience of society. They argue for the primacy of academic objectivity as the criteria for what counts as…

  13. Dynamics of Situation Definition

    ERIC Educational Resources Information Center

    Park, Dongseop; Moro, Yuji

    2006-01-01

    Situation definition is the process and product of actors' interpretive activities toward a given situation. By reviewing a number of psychological studies conducted in experimental settings, we found that the studies have only explicated a part of the situation definition process and have neglected its dynamic aspects. We need to focus on the…

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

    ERIC Educational Resources Information Center

    Ideda, Masumi

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

  15. Intelligent vehicle safety control strategy in various driving situations

    NASA Astrophysics Data System (ADS)

    Moon, Seungwuk; Cho, Wanki; Yi, Kyongsu

    2010-12-01

    This paper describes a safety control strategy for intelligent vehicles with the objective of optimally coordinating the throttle, brake, and active front steering actuator inputs to obtain both lateral stability and longitudinal safety. The control system consists of a supervisor, control algorithms, and a coordinator. From the measurement and estimation signals, the supervisor determines the active control modes among normal driving, longitudinal safety, lateral stability, and integrated safety control mode. The control algorithms consist of longitudinal and lateral stability controllers. The longitudinal controller is designed to improve the driver's comfort during normal, safe-driving situations, and to avoid rear-end collision in vehicle-following situations. The lateral stability controller is designed to obtain the required manoeuvrability and to limit the vehicle body's side-slip angle. To obtain both longitudinal safety and lateral stability control in various driving situations, the coordinator optimally determines the throttle, brake, and active front steering inputs based on the current status of the subject vehicle. Closed-loop simulations with the driver-vehicle-controller system are conducted to investigate the performance of the proposed control strategy. From these simulation results, it is shown that the proposed control algorithm assists the driver in combined severe braking/large steering manoeuvring so that the driver can maintain good manoeuvrability and prevent the vehicle from crashing in vehicle-following situations.

  16. Reducing Situational Violence in Low-Income Couples by Fostering Healthy Relationships

    ERIC Educational Resources Information Center

    Cleary Bradley, Renay P.; Gottman, John M.

    2012-01-01

    This work evaluated a psycho-educational intervention designed to reduce intimate partner violence (IPV) in low-income situationally violent couples. The primary objective was to evaluate the mechanism through which violence was reduced. It was hypothesized that IPV would be reduced via use of therapeutic skills taught during the intervention…

  17. Situation Report--Colombia.

    ERIC Educational Resources Information Center

    International Planned Parenthood Federation, London (England).

    Data relating to population and family planning in Colombia are presented in this situation report. Information is provided, where appropriate and available, under two topics, general background and family planning situation. General background covers ethnic groups, language, religion, economy, communication/education, medical/social welfare, and…

  18. [Bedside learning, characteristics and challenges of education in work situations of the hemodialysis nurse].

    PubMed

    Geldreich, Marie Anne

    2006-09-01

    This clinical exploratory research relates to the situation of the professional graduate male nurse who, within the framework of the continuous training profits from a formation of a few weeks at all formalized in a center of hemodialysis. The analysis of the directing semi talks carried out near dialysed patients, formative male nurses and learning male nurses, could highlight the characteristics of the actors of this situation of on-the-job training, the general aspects of this formation, the object and stakes of the training as well as the facilitating and blocking factors. The taking into account of these elements allowed certain recommendations as regards training scheme and to define the role of the framework of health in the setting in of this program. It also made it possible to question the relational training through this situation of formation which mixes three othernesses: learning and its tutor, but also the dialysed patient touched in his flesh by the object of training and shown that the relational competence developed in the care enriches relational competences in andragogy and conversely.

  19. Modeling the impact of social discrimination and financial hardship on the sexual risk of HIV among Latino and Black men who have sex with men.

    PubMed

    Ayala, George; Bingham, Trista; Kim, Junyeop; Wheeler, Darrell P; Millett, Gregorio A

    2012-05-01

    We examined the impact of social discrimination and financial hardship on unprotected anal intercourse with a male sex partner of serodiscordant or unknown HIV status in the past 3 months among 1081 Latino and 1154 Black men who have sex with men (MSM; n = 2235) residing in Los Angeles County, California; New York, New York; and Philadelphia, Pennsylvania. We administered HIV testing and a questionnaire assessing 6 explanatory variables. We combined traditional mediation analysis with the results of a path analysis to simultaneously examine the direct, indirect, and total effects of these variables on the outcome variable. Bivariate analysis showed that homophobia, racism, financial hardship, and lack of social support were associated with unprotected anal intercourse with a serodiscordant or sero-unknown partner. Path analysis determined that these relations were mediated by participation in risky sexual situations and lack of social support. However, paths between the explanatory variable and 2 mediating variables varied by participants' serostatus. Future prevention research and program designs should specifically address the differential impact of social discrimination and financial hardship on lack of social support and risky sexual situations among Latino and Black MSM.

  20. Navigating Financial and Supply Reliability Tradeoffs in Regional Drought Portfolios

    NASA Astrophysics Data System (ADS)

    Zeff, H. B.; Herman, J. D.; Characklis, G. W.; Reed, P. M.

    2013-12-01

    Rising development costs and growing concerns over environmental impacts have led many communities to explore more diversified regional portfolio-type approaches to managing their water supplies. These strategies coordinate existing supply infrastructure with other ';assets' such as conservation measures or water transfers, reducing the capacity and costs required to meet demand by providing greater adaptability to changing hydrologic conditions. For many water utilities, however, this additional flexibility can also cause unexpected reductions in revenue (i.e. conservation) or increased costs (i.e. transfers), fluctuations that can be very difficult for a regulated entity to manage. Thus, despite the advantages, concerns over the resulting financial disruptions provide a disincentive for utilities to develop more adaptive methods, potentially limiting the role of some very effective tools. This study seeks to design portfolio strategies that employ financial instruments (e.g. contingency funds, index insurance) to reduce fluctuations in revenues and costs and therefore do not sacrifice financial stability for improved performance (e.g. lower expected costs, high reliability). This work describes the development of regional water supply portfolios in the ';Research Triangle' region of North Carolina, an area comprising four rapidly growing municipalities supplied by nine surface water reservoirs in two separate river basins. Disparities in growth rates and the respective individual storage capacities of the reservoirs provide the region with the opportunity to increase the efficiency of the regional supply infrastructure through inter-utility water transfers, even as each utility engages in its own conservation activities. The interdependence of multiple utilities navigating shared conveyance and treatment infrastructure to engage in transfers forces water managers to consider regional objectives, as the actions of any one utility can affect the others. Results

  1. Financial Management: Financial Reporting of Deferred Maintenance Information on Navy Weapon Systems for FY 2002

    DTIC Science & Technology

    2003-03-06

    Financial Management March 6, 2003 Office of the Inspector General of the Department of Defense Financial Reporting of Deferred Maintenance...N/A Dates Covered (from... to) - Title and Subtitle Financial Management: Financial Reporting of Deferred Maintenance Information on Navy Weapon...Project No. D2001FJ-0156.000) Financial Reporting of Deferred Maintenance Information on Navy Weapon Systems for FY 2002 Executive Summary Who

  2. Financial Capacity Following Traumatic Brain Injury: A Six-Month Longitudinal Study

    PubMed Central

    Dreer, Laura E.; DeVivo, Michael J.; Novack, Thomas A.; Marson, Daniel C.

    2015-01-01

    Objective To longitudinally investigate financial capacity (FC) following traumatic brain injury (TBI). Design Longitudinal study comparing FC in cognitively healthy adults and persons with moderate to severe TBI at time of acute hospitalization (Time 1) and at six months post injury (Time 2). Setting Inpatient brain injury rehabilitation unit. Participants Twenty healthy adult controls and 24 adult persons with moderate to severe TBI. Main Outcome Measures Participants were administered the Financial Capacity Instrument (FCI-9), a standardized instrument that measures performance on eighteen financial tasks, nine domains, and two global scores. Between and within group differences were examined for each FCI-9 domain and global scores. Using control group referenced cut scores, participants with TBI were also assigned an impairment rating (intact, marginal, or impaired) on each domain and global score. Results At Time 1, participants with TBI performed significantly below controls on the majority of financial variables tested. At Time 2, participants with TBI demonstrated within group improvement on both simple and complex financial skills, but continued to perform below adult controls on complex financial skills and both global scores. Group by time interactions were significant for five domains and both global scores. At Time 1, high percentages of participants with TBI were assigned either ‘marginal’ or ‘impaired’ ratings on the domains and global scores, with significant percentage increases of ‘intact’ ratings at Time 2. Conclusions Immediately following acute injury, persons with moderate to severe TBI show global impairment of FC. Findings indicate improvement of both simple and complex financial skills over a six month period, but continued impairment on more complex financial skills. Future studies should examine loss and recovery of FC following TBI over longer time periods and a wider range of injury severity. PMID:22369113

  3. Financial Management: Corps of Engineers Equipment Reporting on Financial Statements for FY 2002

    DTIC Science & Technology

    2003-08-20

    U.S. Army Corps of Engineers civil service and uniformed officers responsible for financial reporting of equipment should read this report. It...discusses the management controls that are necessary to support the financial reporting of equipment on financial statements.

  4. Inspector General, DOD, Oversight of the Air Force Audit Agency Audit of the FY 1999 Air Force General Fund Financial Statements

    DTIC Science & Technology

    2000-02-14

    Consolidated Financial Statements . Our objective was to determine the accuracy and completeness of the Air Force Audit Agency audit of the FY 1999 Air Force General Fund financial statements. See Appendix A for a discussion of the audit

  5. UST Financial Assurance Information

    EPA Pesticide Factsheets

    Subtitle I of the Resource Conservation and Recovery Act, as amended by the Hazardous Waste Disposal Act of 1984, brought underground storage tanks (USTs) under federal regulation. As part of that regulation, Congress directed EPA to develop financial responsibility regulations for UST owners and operators. Congress wanted owners and operators of underground storage tanks (USTs) to show that they have the financial resources to clean up a site if a release occurs, correct environmental damage, and compensate third parties for injury to their property or themselves.Owners and operators have several options: obtain insurance coverage from an insurer or a risk retention group; demonstrate self-insurance using a financial test; obtain corporate guarantees, surety bonds, or letters of credit; place the required amount into a trust fund administered by a third party; or rely on coverage provided by a state financial assurance fund.Information in this data asset includes state documentation to support this requirement. Many states have developed financial assurance funds to help owners and operators meet financial responsibility requirements and to help cover the costs of cleanups. State financial assurance fund programs, which supplement or are a substitute for private insurance, have been especially useful for small-to-medium sized petroleum marketers.EPA requires its Regional Offices to conduct annual reviews of state financial assurance funds. Data is provided by s

  6. 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.

  7. Financial Management: Financial Reporting of Deferred Maintenance Information on Army Weapons Systems for FY 2002

    DTIC Science & Technology

    2003-02-03

    Financial Management February 3, 2003 Office of the Inspector General of the Department of Defense Financial Reporting of Deferred Maintenance...Type N/A Dates Covered (from... to) - Title and Subtitle Financial Management: Financial Reporting of Deferred Maintenance Information on Army...the Department of Defense Report No. D-2003-054 February 3, 2003 (Project No. D2001FJ-0156.002) Financial Reporting of Deferred Maintenance

  8. Environmental quality indicators and financial development in Malaysia: unity in diversity.

    PubMed

    Alam, Arif; Azam, Muhammad; Abdullah, Alias Bin; Malik, Ihtisham Abdul; Khan, Anwar; Hamzah, Tengku Adeline Adura Tengku; Faridullah; Khan, Muhammad Mushtaq; Zahoor, Hina; Zaman, Khalid

    2015-06-01

    Environmental quality indicators are crucial for responsive and cost-effective policies. The objective of the study is to examine the relationship between environmental quality indicators and financial development in Malaysia. For this purpose, the number of environmental quality indicators has been used, i.e., air pollution measured by carbon dioxide emissions, population density per square kilometer of land area, agricultural production measured by cereal production and livestock production, and energy resources considered by energy use and fossil fuel energy consumption, which placed an impact on the financial development of the country. The study used four main financial indicators, i.e., broad money supply (M2), domestic credit provided by the financial sector (DCFS), domestic credit to the private sector (DCPC), and inflation (CPI), which each financial indicator separately estimated with the environmental quality indicators, over a period of 1975-2013. The study used the generalized method of moments (GMM) technique to minimize the simultaneity from the model. The results show that carbon dioxide emissions exert the positive correlation with the M2, DCFC, and DCPC, while there is a negative correlation with the CPI. However, these results have been evaporated from the GMM estimates, where carbon emissions have no significant relationship with any of the four financial indicators in Malaysia. The GMM results show that population density has a negative relationship with the all four financial indicators; however, in case of M2, this relationship is insignificant to explain their result. Cereal production has a positive relationship with the DCPC, while there is a negative relationship with the CPI. Livestock production exerts the positive relationship with the all four financial indicators; however, this relationship with the CPI has a more elastic relationship, while the remaining relationship is less elastic with the three financial indicators in a country

  9. 76 FR 23859 - Financial Management Service Proposed Collection of Information; Financial Institution Agreement...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-28

    ... DEPARTMENT OF THE TREASURY Fiscal Service Financial Management Service Proposed Collection of... Management Service, Fiscal Service, Treasury. ACTION: Notice and request for comments. SUMMARY: The Financial... collection. By this notice, the Financial Management Service solicits comments concerning the FMS 458 and FMS...

  10. Financial Measures Project: Measuring Financial Conditions of Colleges and Universities, 1978 Working Conference.

    ERIC Educational Resources Information Center

    Coldren, Sharon L., Ed.

    Papers are presented from a 1978 working conference on measuring financial conditions of colleges and universities. Contents include the following: "The Federal Government's Interest in the Development of Financial Measures" by M. Chandler; "Improving the Conceptual Framework for Measuring Financial Condition Using Institutional…

  11. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  12. [Medical expert assessment, objectivity and justice in disability pension cases. ].

    PubMed

    Solli, Hans Magnus

    2003-08-14

    The formal principle of justice is often interpreted as the requirement of objectivity when a person's situation is to be evaluated in the light of social justice. The aim of this article is to analyse whether or not the formal principle of justice is fulfilled by the ontological and the epistemological concept of objectivity when disability claims are evaluated medically in relation to the Norwegian legislation on disability benefits. material is legal and medical texts about medical disability evaluation. The method is text analysis. The main result is that the concept of ontological objectivity functions as the criterion of objectivity when the causal relations between sickness, impairment and disability are explained. This criterion is, however, problematic because it is based on the assumption that there is a linear causal model of these relations, which precludes the explanation of many cases of disability. The ontological concept of objectivity is not a necessary condition for impartiality and formal justice in relation to the causal relation between sickness and disability. In some situations this concept is a sufficient condition. The epistemological concept of objectivity is a sufficient condition, but it is not a necessary condition. Some cases must be reviewed on a discretionary basis.

  13. Situated teaching improves empathy learning of the students in a BSN program: A quasi-experimental study.

    PubMed

    Lee, Kwo-Chen; Yu, Chin-Ching; Hsieh, Pei-Ling; Li, Chin-Ching; Chao, Yann-Fen C

    2018-05-01

    Empathy is an important clinical skill for nursing students, but it is a characteristic difficult to teach and assess. To evaluate the effect of situated teaching on empathy learning among undergraduate nursing students. A cohort study with pre-post-test quasi-experimental design. The 2nd-year students were enrolled from two BSN programs. The teaching program was completed over 4 months on the basis of experiential learning theory which integrated the following four elements: classroom-based role play, self-reflection, situated learning and acting. The Jefferson Scale of Empathy-Health Profession-Student version was administered before and after the program. Objective Structure Clinical Examination (OSCE) was administered at the end of program and a rubrics scale was used to measure empathy. A generalized estimation equation was used to identify the effect of subjective empathy, and an independent t-test was used for the objective assessment between two groups. A total of 103 students were enrolled. The results showed that subjective empathy increased significantly in experimental group. In the Objective Structured Clinical Examination, examiners and standard patients gave significantly higher empathy scores to the situated teaching group than the control group. The present study indicated that situated teaching can improve empathy learning of the nursing students. However different methods of assessment of empathy produce different results. We therefore recommend that multiple measurements from difference perspectives are preferable in the assessment of empathy. Copyright © 2018 Elsevier Ltd. All rights reserved.

  14. 31 CFR 561.404 - Significant transaction or transactions; significant financial services; significant financial...

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... Central Bank of Iran, or a designated Iranian financial institution in a direct customer relationship..., or financial transaction is performed with the involvement or approval of management or only by... Iran, or a designated Iranian financial institution indirectly or in a tertiary relationship. (e...

  15. Identifying fish diversity hot-spots in data-poor situations.

    PubMed

    Fonseca, Vinícius Prado; Pennino, Maria Grazia; de Nóbrega, Marcelo Francisco; Oliveira, Jorge Eduardo Lins; de Figueiredo Mendes, Liana

    2017-08-01

    One of the more challenging tasks in Marine Spatial Planning (MSP) is identifying critical areas for management and conservation of fish stocks. However, this objective is difficult to achieve in data-poor situations with different sources of uncertainty. In the present study we propose a combination of hierarchical Bayesian spatial models and remotely sensed estimates of environmental variables to be used as flexible and reliable statistical tools to identify and map fish species richness and abundance hot-spots. Results show higher species aggregates in areas with higher sea floor rugosity and habitat complexity, and identify clear richness hot-spots. Our findings identify sensitive habitats through essential and easy-to-use interpretation tools, such as predictive maps, which can contribute to improving management and operability of the studied data-poor situations. Copyright © 2017 Elsevier Ltd. All rights reserved.

  16. [Sharing and distrusting: street merchants' view of children in street situations].

    PubMed

    Sánchez-Suárez, Diana M; Giraldo-Puerta, Alexandra; Giraldo-Pineda, Álvaro; Forero-Pulido, Constanza

    2016-06-01

    Objective To understand the meanings, through the description of experiences that street merchants have of their interactions with children in a street situation in downtown of Medellin in 2013. Methodology Qualitative investigation with ethnographic approach. Observations were made in the zone at different times of the day. Twelve interviews with street merchants were held in their work places. Records were kept in a field journal. Results The street merchants and children in street situations share the same space. Both groups try to survive and their relationship is mediated by the trust-distrust that is established between them. The coexistence generates ambivalent feelings. For the street merchants, children in street situations are the result of abandonment by the family, the state and society. They live in a hard world in which they are exposed to a series of risks that they must face. Conclusion The interaction between street merchants and children in street situations is good to the extent that conflicts are avoided, establishing norms of coexistence. The element that determines this relationship is trust-distrust. In trust, strong affective ties are generated, considering each other family. Distrust generates a preventative attitude.

  17. Hunger promotes acquisition of nonfood objects.

    PubMed

    Xu, Alison Jing; Schwarz, Norbert; Wyer, Robert S

    2015-03-03

    Hunger motivates people to consume food, for which finding and acquiring food is a prerequisite. We test whether the acquisition component spills over to nonfood objects: Are hungry people more likely to acquire objects that cannot satisfy their hunger? Five laboratory and field studies show that hunger increases the accessibility of acquisition-related concepts and the intention to acquire not only food but also nonfood objects. Moreover, people act on this intention and acquire more nonfood objects (e.g., binder clips) when they are hungry, both when these items are freely available and when they must be paid for. However, hunger does not influence how much they like nonfood objects. We conclude that a basic biologically based motivation can affect substantively unrelated behaviors that cannot satisfy the motivation. This presumably occurs because hunger renders acquisition-related concepts and behaviors more accessible, which influences decisions in situations to which they can be applied.

  18. Hunger promotes acquisition of nonfood objects

    PubMed Central

    Xu, Alison Jing; Schwarz, Norbert; Wyer, Robert S.

    2015-01-01

    Hunger motivates people to consume food, for which finding and acquiring food is a prerequisite. We test whether the acquisition component spills over to nonfood objects: Are hungry people more likely to acquire objects that cannot satisfy their hunger? Five laboratory and field studies show that hunger increases the accessibility of acquisition-related concepts and the intention to acquire not only food but also nonfood objects. Moreover, people act on this intention and acquire more nonfood objects (e.g., binder clips) when they are hungry, both when these items are freely available and when they must be paid for. However, hunger does not influence how much they like nonfood objects. We conclude that a basic biologically based motivation can affect substantively unrelated behaviors that cannot satisfy the motivation. This presumably occurs because hunger renders acquisition-related concepts and behaviors more accessible, which influences decisions in situations to which they can be applied. PMID:25730858

  19. 2.5-year-olds use cross-situational consistency to learn verbs under referential uncertainty.

    PubMed

    Scott, Rose M; Fisher, Cynthia

    2012-02-01

    Recent evidence shows that children can use cross-situational statistics to learn new object labels under referential ambiguity (e.g., Smith & Yu, 2008). Such evidence has been interpreted as support for proposals that statistical information about word-referent co-occurrence plays a powerful role in word learning. But object labels represent only a fraction of the vocabulary children acquire, and arguably represent the simplest case of word learning based on observations of world scenes. Here we extended the study of cross-situational word learning to a new segment of the vocabulary, action verbs, to permit a stronger test of the role of statistical information in word learning. In two experiments, on each trial 2.5-year-olds encountered two novel intransitive (e.g., "She's pimming!"; Experiment 1) or transitive verbs (e.g., "She's pimming her toy!"; Experiment 2) while viewing two action events. The consistency with which each verb accompanied each action provided the only source of information about the intended referent of each verb. The 2.5-year-olds used cross-situational consistency in verb learning, but also showed significant limits on their ability to do so as the sentences and scenes became slightly more complex. These findings help to define the role of cross-situational observation in word learning. Copyright © 2011 Elsevier B.V. All rights reserved.

  20. 2.5-year-olds use cross-situational consistency to learn verbs under referential uncertainty

    PubMed Central

    Scott, Rose M.; Fisher, Cynthia

    2011-01-01

    Recent evidence shows that children can use cross-situational statistics to learn new object labels under referential ambiguity (e.g., Smith & Yu, 2008). Such evidence has been interpreted as support for proposals that statistical information about word-referent co-occurrence plays a powerful role in word learning. But object labels represent only a fraction of the vocabulary children acquire, and arguably represent the simplest case of word learning based on observations of world scenes. Here we extended the study of cross-situational word learning to a new segment of the vocabulary, action verbs, to permit a stronger test of the role of statistical information in word learning. In two experiments, on each trial 2.5-year-olds encountered two novel intransitive (e.g., “She’s pimming!”; Experiment 1) or transitive verbs (e.g., “She’s pimming her toy!”; Experiment 2) while viewing two action events. The consistency with which each verb accompanied each action provided the only source of information about the intended referent of each verb. The 2.5-year-olds used cross-situational consistency in verb learning, but also showed significant limits on their ability to do so as the sentences and scenes became slightly more complex. These findings help to define the role of cross-situational observation in word learning. PMID:22104489

  1. Review of Family Financial Decision Making: Suggestions for Future Research and Implications for Financial Education

    ERIC Educational Resources Information Center

    Kim, Jinhee; Gutter, Michael S.; Spangler, Taylor

    2017-01-01

    This article reviews the theories and literature in intrahousehold financial decisions, spousal partners and financial decision making, family system and financial decision process, children, and financial decisions. The article draws conclusions from the literature review and discusses directions for future research and educational programs. Most…

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

    PubMed

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

    2008-03-01

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

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

    ERIC Educational Resources Information Center

    Karger, Howard

    2015-01-01

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

  4. 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…

  5. Assisting Australians with mental health problems and financial difficulties: a Delphi study to develop guidelines for financial counsellors, financial institution staff, mental health professionals and carers.

    PubMed

    Bond, Kathy S; Chalmers, Kathryn J; Jorm, Anthony F; Kitchener, Betty A; Reavley, Nicola J

    2015-06-03

    There is a strong association between mental health problems and financial difficulties. Therefore, people who work with those who have financial difficulties (financial counsellors and financial institution staff) need to have knowledge and helping skills relevant to mental health problems. Conversely, people who support those with mental health problems (mental health professionals and carers) may need to have knowledge and helping skills relevant to financial difficulties. The Delphi expert consensus method was used to develop guidelines for people who work with or support those with mental health problems and financial difficulties. A systematic review of websites, books and journal articles was conducted to develop a questionnaire containing items about the knowledge, skills and actions relevant to working with or supporting someone with mental health problems and financial difficulties. These items were rated over three rounds by five Australian expert panels comprising of financial counsellors (n = 33), financial institution staff (n = 54), mental health professionals (n = 31), consumers (n = 20) and carers (n = 24). A total of 897 items were rated, with 462 items endorsed by at least 80 % of members of each of the expert panels. These endorsed statements were used to develop a set of guidelines for financial counsellors, financial institution staff, mental health professionals and carers about how to assist someone with mental health problems and financial difficulties. A diverse group of expert panel members were able to reach substantial consensus on the knowledge, skills and actions needed to work with and support people with mental health problems and financial difficulties. These guidelines can be used to inform policy and practice in the financial and mental health sectors.

  6. Identifying the critical financial ratios for stocks evaluation: A fuzzy delphi approach

    NASA Astrophysics Data System (ADS)

    Mokhtar, Mazura; Shuib, Adibah; Mohamad, Daud

    2014-12-01

    Stocks evaluation has always been an interesting and challenging problem for both researchers and practitioners. Generally, the evaluation can be made based on a set of financial ratios. Nevertheless, there are a variety of financial ratios that can be considered and if all ratios in the set are placed into the evaluation process, data collection would be more difficult and time consuming. Thus, the objective of this paper is to identify the most important financial ratios upon which to focus in order to evaluate the stock's performance. For this purpose, a survey was carried out using an approach which is based on an expert judgement, namely the Fuzzy Delphi Method (FDM). The results of this study indicated that return on equity, return on assets, net profit margin, operating profit margin, earnings per share and debt to equity are the most important ratios.

  7. An interactive economic GIS tool for Europe using map objects for Java

    NASA Astrophysics Data System (ADS)

    Srinivasan, Vaishnavi

    Europe is one of the world's seven continents, which has approximately 50 countries and all are rich in culture, traditions, economy, biodiversity, among other things. This thesis focuses on creating a GIS application about Europe which will give an overview of Europe in various aspects. It covers 50 countries including financial centers, currency used, population, GDP growth, private banks, central banks, stock exchange, coat of arms and flags for each country, using the HotLink Tool. A reference link is also provided for detailed understanding of the above mentioned aspects. The other part of the thesis mainly focuses on the economics of the European Union as well as each country independently, which gives a thorough knowledge about the current investment climate in Europe. A part of this idea is to ensure transparency after the financial crisis in 2008. Further the capital markets of the European Union and other European countries are brought to light to provide a clear picture of their present financial situation. The application can help in improving policy and decision making, foreign investments, business environment for various development organizations. So this GIS application will be an effective tool for customers to understand the risks in investments by learning about the economic conditions of Europe.

  8. A Dean Speaks Out: The Financial Aid Profession in Higher Education.

    ERIC Educational Resources Information Center

    Meyerson, Ely

    1981-01-01

    Although financial aid staff feel they are treated as second-class citizens, they are seen as their own worst enemy. Some recommendations to improve the profession include: avoid use of jargon, reduce use of forms, promote the consolidation of loan activities, establish goals and objectives, and improve organizational development. (MLW)

  9. 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…

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

    ERIC Educational Resources Information Center

    US Financial Literacy and Education Commission, 2011

    2011-01-01

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

  11. Influence of the way of reporting alpha-Amylase values in saliva in different naturalistic situations: A pilot study

    PubMed Central

    Contreras-Aguilar, María Dolores; Escribano, Damián; Martínez-Subiela, Silvia; Martínez-Miró, Silvia; Rubio, Mónica; Tvarijonaviciute, Asta; Tecles, Fernando; Cerón, Jose J.

    2017-01-01

    The objective of this pilot study was to compare the different ways of measuring salivary alpha-amylase (sAA, enzymatic vs. concentration) and to evaluate the influence that the different ways of reporting the results can have in sAA interpretation. For this purpose, sAA was measured by direct quantification and also by an enzymatic assay in three different naturalistic situations, a physical stressor (situation 1) and two mental stressors of different intensity (situations 2 and 3). The results were expressed in three different ways (without correction, multiplied by flow rate and divided by protein concentration). sAA concentration and activity increased just after situations 1 and 3. When values were multiplied by the flow rate, significant changes after situation 1 were detected only for sAA activity but not for sAA concentration, being these changes of lower significance and magnitude that those observed for sAA activity without any correction. In addition, a significant increase in sAA activity was found at T+15 in situation 2. In situation 3 the significant decrease in sAA at T+15 disappeared. When values were divided by protein concentration, there were no significant changes in situations 1 or 3, but a decrease in situation 2 at T+0 and an increase at T+15. sAA activity and concentration showed a significant correlation in all situations. This pilot study points out that the way of expressing sAA can influence the results obtained in different stress models and also their interpretation. Therefore, how sAA is reported and the factors involved in the different ways of expressing sAA, should be taken into consideration for an objective interpretation of sAA values. PMID:28654668

  12. Influence of the way of reporting alpha-Amylase values in saliva in different naturalistic situations: A pilot study.

    PubMed

    Contreras-Aguilar, María Dolores; Escribano, Damián; Martínez-Subiela, Silvia; Martínez-Miró, Silvia; Rubio, Mónica; Tvarijonaviciute, Asta; Tecles, Fernando; Cerón, Jose J

    2017-01-01

    The objective of this pilot study was to compare the different ways of measuring salivary alpha-amylase (sAA, enzymatic vs. concentration) and to evaluate the influence that the different ways of reporting the results can have in sAA interpretation. For this purpose, sAA was measured by direct quantification and also by an enzymatic assay in three different naturalistic situations, a physical stressor (situation 1) and two mental stressors of different intensity (situations 2 and 3). The results were expressed in three different ways (without correction, multiplied by flow rate and divided by protein concentration). sAA concentration and activity increased just after situations 1 and 3. When values were multiplied by the flow rate, significant changes after situation 1 were detected only for sAA activity but not for sAA concentration, being these changes of lower significance and magnitude that those observed for sAA activity without any correction. In addition, a significant increase in sAA activity was found at T+15 in situation 2. In situation 3 the significant decrease in sAA at T+15 disappeared. When values were divided by protein concentration, there were no significant changes in situations 1 or 3, but a decrease in situation 2 at T+0 and an increase at T+15. sAA activity and concentration showed a significant correlation in all situations. This pilot study points out that the way of expressing sAA can influence the results obtained in different stress models and also their interpretation. Therefore, how sAA is reported and the factors involved in the different ways of expressing sAA, should be taken into consideration for an objective interpretation of sAA values.

  13. 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…

  14. 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…

  15. Increasing Space Situational Awareness for NEOs

    NASA Astrophysics Data System (ADS)

    Hestroffer, Daniel J. G. J.; Eggl, Siegfried; Thuillot, William

    2015-05-01

    Over the past years, Europe has strengthened its commitment to foster space situational awareness. Apart from the current efforts in tracking space weather, artificial satellites and space debris, Near Earth Asteroid threat assessment is a key task. NEOshield has been part of this European effort. We will give an overview over national projects and European programs with French participation such as PoDET, ESTERS, FRIPON, NEOShield, Gaia-FUN-SSO and Stardust. Future plans regarding Near Earth Object threat assessment and mitigation are described. The role of the IMCCE in this framework is discussed using the example of the post mitigation impact risk analyis of Gravity Tractor and Kinetic Impactor based asteroid deflection demonstration mission designs.

  16. A financial feasibility model of gasification and anaerobic digestion waste-to-energy (WTE) plants in Saudi Arabia.

    PubMed

    Hadidi, Laith A; Omer, Mohamed Mahmoud

    2017-01-01

    Municipal Solid Waste (MSW) generation in Saudi Arabia is increasingly growing at a fast rate, as it hurtles towards ever increasing urban development coupled with rapid developments and expanding population. Saudi Arabia's energy demands are also rising at a faster rate. Therefore, the importance of an integrated waste management system in Saudi Arabia is increasingly rising and introducing Waste to Energy (WTE) facilities is becoming an absolute necessity. This paper analyzes the current situation of MSW management in Saudi Arabia and proposes a financial model to assess the viability of WTE investments in Saudi Arabia in order to address its waste management challenges and meet its forecasted energy demands. The research develops a financial model to investigate the financial viability of WTE plants utilizing gasification and Anaerobic Digestion (AD) conversion technologies. The financial model provides a cost estimate of establishing both gasification and anaerobic digestion WTE plants in Saudi Arabia through a set of financial indicators, i.e. net present value (NPV), internal rate of return (IRR), modified internal rate of return (MIRR), profitability index (PI), payback period, discounted payback period, Levelized Cost of Electricity (LCOE) and Levelized Cost of Waste (LCOW). Finally, the analysis of the financial model reveals the main affecting factors of the gasification plants investment decision, namely: facility generation capacity, generated electricity revenue, and the capacity factor. Similarly, the paper also identifies facility waste capacity and the capacity factor as the main affecting factors on the AD plants' investment decision. Copyright © 2016 Elsevier Ltd. All rights reserved.

  17. Corporate Health and Wellness and the Financial Bottom Line: Evidence From South Africa.

    PubMed

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

    2016-02-01

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

  18. ICAF Financial Services Industry Study

    DTIC Science & Technology

    2005-06-01

    Mishkin , Frederic S. and Stanley G. Eakins. Financial Markets + Institutions . Boston, MA: Addison Wesley. 2003... Financial Markets , Federal Reserve Bank of New York, 1998. Mishkin , Frederic S. and Eakins, Stanley G., Financial Markets + Institutions , Fourth...discussion of the industry would be complete without an understanding of the concept of moral hazard in the financial markets . According to Mishkin

  19. Financial Analysis of National University Hospitals in Korea

    PubMed Central

    Lee, Munjae

    2015-01-01

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

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

    DTIC Science & Technology

    1981-09-21

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

  1. Stress situations in dental practice.

    PubMed

    Bourassa, M; Baylard, J F

    1994-01-01

    Several studies indicate that stress is inherently present in dental practice. The present study was conducted to help identify the factors underlying this stress and the relative contribution of each factor. A questionnaire presented participating dentists with 52 potentially-stressful situations related to dental practice. Respondents were asked to rate each situation on a five-point scale, using a range of responses that varied from "not stressful" to "exceedingly stressful," and "I don't know" to "not applicable." The present data are based on the ratings given by the 1,332 dentists practicing in Québec who answered the questionnaire (52 per cent). Ten situations received a mean score of greater than 3.0, and were therefore considered as above average stress-producing situations. The majority of these situations could be classified as being related either to dental procedures and office organization or to interpersonal relationships involving patients and/or office personnel. It was found that the older age groups showed significantly less stress for six of the 10 most stressful situations. This study has indicated the specific situations that most frequently lead to stress in dentists. The precise identification of these situations could lead to reduced stress through the elimination of its vague and insidious character. Furthermore, an understanding of the most common stress-causing situations allows the practitioner to take preventive measures to eliminate its damaging effects in the dental practice.

  2. The financial crisis in Italy: implications for the healthcare sector.

    PubMed

    de Belvis, Antonio Giulio; Ferrè, Francesca; Specchia, Maria Lucia; Valerio, Luca; Fattore, Giovanni; Ricciardi, Walter

    2012-06-01

    The global economic and financial crisis is having and impact on the Italian healthcare system which is undergoing a devolution process from the central government to regions and where about one third of the regional governments (mainly in the central and southern part of the country) are facing large financial deficits. The paper briefly describes the current macro scenario and the main responses taken to face the crisis and highlights the downside risks of introducing "linear" cuts in the allocation of resources. While justified by the risk of a national debt default, present fiscal policies might increase inequalities in access to care, deteriorate overall health indicators and population wellbeing, and sharpen existing difference in the quality of care between regions. Preliminary evidence shows that the crisis is affecting the quality of nutrition and the incidence of psychiatric disorders. During this difficult financial situation Italy is also facing the risk of a major reduction in investments for preventive medicine, Evidence Based Medicine infrastructures, health information systems and physical capital renewal. This cost-cutting strategy may have negative long term consequences Also, important achievement in terms of limiting waiting lists, improving continuity of care and patients' centeredness, and promoting integration between social and health care may be negatively affected by unprecedented resources' cuts. It is essential that in such a period of public funding constraints health authorities monitor incidence of diseases and access to care of the most vulnerable groups and specifically target interventions to those who may be disproportionally hit by the crisis. Copyright © 2012 Elsevier Ireland Ltd. All rights reserved.

  3. Authors' financial relationships with the food and beverage industry and their published positions on the fat substitute olestra.

    PubMed

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

    2003-04-01

    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. 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. 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. 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.

  4. Proceedings of the Printing Resources Management Information Systems Cost and Financial Workshop (1st), held 28-29 October 1982, Washington, DC.

    DTIC Science & Technology

    1982-12-01

    FIRST PRINTING RESOURCES Final - MANAGEMENT INFORMATION SYSTEM (PRMIS) COST AND FINANCIAL WORKSHOP 6. PERFORMING ORG. REPORT NUMBER 7. AUTHOR(@) I...NPPS). Cost and Financial (C&F) is a subsystem of the proposed second Printing Resources Management Information System (PRMIS II). The objectives of the

  5. Novice Situation Cards: The Scripted Situation.

    ERIC Educational Resources Information Center

    Longan, Nathan

    1995-01-01

    This article suggests that to better prepare students for the American Council on the Teaching of Foreign Languages (ACTFL) oral proficiency interview, it is up to instructors to see that these students are better prepared in oral, creative speech. Bridging exercises between dialogue memorization and personalized situations can be used to help…

  6. Improved representation of situational awareness within a dismounted small combat unit constructive simulation

    NASA Astrophysics Data System (ADS)

    Lee, K. David; Colony, Mike

    2011-06-01

    Modeling and simulation has been established as a cost-effective means of supporting the development of requirements, exploring doctrinal alternatives, assessing system performance, and performing design trade-off analysis. The Army's constructive simulation for the evaluation of equipment effectiveness in small combat unit operations is currently limited to representation of situation awareness without inclusion of the many uncertainties associated with real world combat environments. The goal of this research is to provide an ability to model situation awareness and decision process uncertainties in order to improve evaluation of the impact of battlefield equipment on ground soldier and small combat unit decision processes. Our Army Probabilistic Inference and Decision Engine (Army-PRIDE) system provides this required uncertainty modeling through the application of two critical techniques that allow Bayesian network technology to be applied to real-time applications. (Object-Oriented Bayesian Network methodology and Object-Oriented Inference technique). In this research, we implement decision process and situation awareness models for a reference scenario using Army-PRIDE and demonstrate its ability to model a variety of uncertainty elements, including: confidence of source, information completeness, and information loss. We also demonstrate that Army-PRIDE improves the realism of the current constructive simulation's decision processes through Monte Carlo simulation.

  7. NPP financial and regulatory risks-Importance of a balanced and comprehensive nuclear law for a newcomer country considering nuclear power programme

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

    Manan, J. A. N. Abd, E-mail: jamalan@tnb.com.my; Mostafa, N. A.; Salim, M. F.

    The nature of Nuclear Power Plant (NPP) projects are: long duration (10-15 years for new build), high capital investment, reasonable risks and highly regulated industries to meet national and international requirement on Safety, Security, Safeguards (3S) and Liabilities. It requires long term planning and commitment from siting to final disposal of waste/spent fuel. Potential financial and regulatory risks are common in massive NPP projects and will be magnified in the case of using unproven technology. If the risks are not properly managed, it can lead to high project and operation costs, and, fail to fulfil its objectives to provide compatiblemore » electricity prices and. energy security. To ensure successful, the government and investors need to ensure that the NPP project is bankable with low cost of project and funding, have fair treatment and proper risk mitigation, and able to complete on time with no cost overrun. One of the requirements as prerequisite for the development of NPP as stipulated by the International Atomic Energy Agency (IAEA) is the establishment of a Legal and Regulatory Framework. The main objective of nuclear law is to ensure that the activities and projects carried-out in the country are legal and compliant to national and international requirements. The law should also be able to provide fair treatment of risks on its activities that is acceptable to investors. The challenge for a newcomer country is to develop a balanced and comprehensive national nuclear law that meet these objectives while taking into consideration various stakeholders’ interest without compromising on safety, security, safeguard, liability requirements and other international obligations. This paper highlights the nature of NPP projects, its potential and associated financial and regulatory risks, and its major concerns and challenges. It proposes possible risks treatment and mitigation through the formulation of a balanced and comprehensive legislation by

  8. NPP financial and regulatory risks-Importance of a balanced and comprehensive nuclear law for a newcomer country considering nuclear power programme

    NASA Astrophysics Data System (ADS)

    Manan, J. A. N. Abd; Mostafa, N. A.; Salim, M. F.

    2015-04-01

    The nature of Nuclear Power Plant (NPP) projects are: long duration (10-15 years for new build), high capital investment, reasonable risks and highly regulated industries to meet national & international requirement on Safety, Security, Safeguards (3S) and Liabilities. It requires long term planning and commitment from siting to final disposal of waste/spent fuel. Potential financial and regulatory risks are common in massive NPP projects and will be magnified in the case of using unproven technology. If the risks are not properly managed, it can lead to high project and operation costs, and, fail to fulfil its objectives to provide compatible electricity prices and. energy security. To ensure successful, the government and investors need to ensure that the NPP project is bankable with low cost of project and funding, have fair treatment and proper risk mitigation, and able to complete on time with no cost overrun. One of the requirements as prerequisite for the development of NPP as stipulated by the International Atomic Energy Agency (IAEA) is the establishment of a Legal and Regulatory Framework. The main objective of nuclear law is to ensure that the activities and projects carried-out in the country are legal and compliant to national and international requirements. The law should also be able to provide fair treatment of risks on its activities that is acceptable to investors. The challenge for a newcomer country is to develop a balanced and comprehensive national nuclear law that meet these objectives while taking into consideration various stakeholders' interest without compromising on safety, security, safeguard, liability requirements and other international obligations. This paper highlights the nature of NPP projects, its potential and associated financial and regulatory risks, and its major concerns and challenges. It proposes possible risks treatment and mitigation through the formulation of a balanced and comprehensive legislation by clear

  9. Financial Management: Financial Reporting of Deferred Maintenance Information on Air Force Weapons Systems for FY 2002

    DTIC Science & Technology

    2002-11-27

    Financial Management November 27, 2002 Office of the Inspector General of the Department of Defense Financial Reporting of Deferred Maintenance...Report Type N/A Dates Covered (from... to) - Title and Subtitle Financial Management: Financial Reporting of Deferred Maintenance Information on Air...Department of the Air Force 26 Background This is one in a series of planned reports that discusses the financial reporting of deferred

  10. Financial statistics of major U.S. publicly owned electric utilities 1997

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

    NONE

    1998-12-01

    The 1997 edition of the ``Financial Statistics of Major U.S. Publicly Owned Electric Utilities`` publication presents 5 years (1993 through 1997) 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 (Tables 3 through 11) and nongenerator (Tables 12 through 20) summaries are presented in this publication. Five years of summary financial data aremore » provided (Tables 5 through 11 and 14 through 20). 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 in Appendix C. 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, operating revenue, and electric energy account data. The primary source of publicly owned financial data is the Form EIA-412, ``Annual Report of Public Electric Utilities.`` Public electric utilities file this survey on a fiscal year basis, in conformance with their recordkeeping practices. 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. The review indicated that financial indicators differ most according to whether or not a publicly owned electric utility generates electricity. Therefore, the main body of the report provides summary information in generator/nongenerator classifications. 2 figs., 101 tabs.« less

  11. Public health financial management competencies.

    PubMed

    Honoré, Peggy A; Costich, Julia F

    2009-01-01

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

  12. Hospital based ethics, current situation in France: between “Espaces” and committees

    PubMed Central

    Guerrier, M

    2006-01-01

    Unlike research ethics committees, which were created in 1988, the number of functioning hospital based ethical organisations in France, such as clinical ethics committees, is unknown. The objectives of such structures are diverse. A recent law created regional ethical forums, the objectives of which are education, debate, and research in relation to healthcare ethics. This paper discusses the current situation in France and the possible evolution and conflicts induced by this law. The creation of official healthcare ethics structures raises several issues. PMID:16943328

  13. 36 CFR § 811.1 - Cross-references to employees' ethical conduct standards, financial disclosure and financial...

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...' ethical conduct standards, financial disclosure and financial interests regulations and other conduct... PRESERVATION EMPLOYEE RESPONSIBILITIES AND CONDUCT § 811.1 Cross-references to employees' ethical conduct... ethical conduct, financial disclosure and financial interests regulations at 5 CFR Parts 2634, 2635 and...

  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. Appropriated Capital Used in the FY 1995 Defense Business Operations Fund Financial Statements.

    DTIC Science & Technology

    1997-01-27

    financial statements were presented fairly in accordance with the "other comprehensive basis of accounting" described in Office of Management and...The overall revenue accounts audit objective was to determine whether revenues reported on the FY. 1996 Defense Business Operations Fund consolidated

  16. 12 CFR 1805.201 - Certification as a Community Development Financial Institution.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... not constitute an opinion by the Fund as to the financial viability of the CDFI or that the CDFI will... improving the social and/or economic conditions of underserved people (which may include Low-Income persons... either (2) Meets at least one of the objective criteria of economic distress as set forth in paragraph (b...

  17. 12 CFR 1805.201 - Certification as a Community Development Financial Institution.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... not constitute an opinion by the Fund as to the financial viability of the CDFI or that the CDFI will... improving the social and/or economic conditions of underserved people (which may include Low-Income persons... either (2) Meets at least one of the objective criteria of economic distress as set forth in paragraph (b...

  18. 12 CFR 1805.201 - Certification as a Community Development Financial Institution.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... not constitute an opinion by the Fund as to the financial viability of the CDFI or that the CDFI will... improving the social and/or economic conditions of underserved people (which may include Low-Income persons... either (2) Meets at least one of the objective criteria of economic distress as set forth in paragraph (b...

  19. 12 CFR 1805.201 - Certification as a Community Development Financial Institution.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... not constitute an opinion by the Fund as to the financial viability of the CDFI or that the CDFI will... improving the social and/or economic conditions of underserved people (which may include Low-Income persons... either (2) Meets at least one of the objective criteria of economic distress as set forth in paragraph (b...

  20. 12 CFR 1805.201 - Certification as a Community Development Financial Institution.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... not constitute an opinion by the Fund as to the financial viability of the CDFI or that the CDFI will... improving the social and/or economic conditions of underserved people (which may include Low-Income persons... either (2) Meets at least one of the objective criteria of economic distress as set forth in paragraph (b...

  1. Financial cost of lymphedema borne by women with breast cancer

    PubMed Central

    Xu, Ying; Kalfa, Senia; Koelmeyer, Louise; Parkinson, Bonny; Mackie, Helen; Viveros, Hector; Gollan, Paul; Taksa, Lucy

    2016-01-01

    Abstract Objective Our study examines the financial cost of lymphedema following a diagnosis of breast cancer and addresses a significant knowledge gap regarding the additional impact of lymphedema on breast cancer survivors. Methods An online national survey was conducted with 361 women who had either breast cancer without lymphedema (BC) (group 1, n = 209) or breast cancer with lymphedema (BC+LE) (group 2, n = 152). Participant recruitment was supported by the Breast Cancer Network Australia and the Australasian Lymphology Association. Results Both breast cancer and lymphedema result in significant out‐of‐pocket financial costs borne by women. Of patients with BC+LE, 80% indicated that their breast cancer diagnosis had affected them financially compared with 67% in the BC group (P < .020). For patients with lymphedema, over half (56%) indicated that this specific additional diagnosis to their breast cancer affected them financially and that costs increased with lymphedema severity. The cost of compression garments formed a large proportion of these costs (40.1%). The average number of attendances to a therapist each year was 5.8 (range, 0‐45). Twenty‐five patients (16.4%) had an episode of cellulitis in the past year. The incidence of cellulitis was 7.7% in 91 patients with subclinical or mild lymphedema compared with 29.5% of 61 patients with more extensive lymphedema (P < .001). The average out‐of‐pocket financial cost of lymphedema care borne by women was A$977 per annum, ranging from A$207 for subclinical lymphedema to over A$1400 for moderate or severe lymphedema. Conclusions This study identifies an additional detrimental effect of lymphedema on women in terms of financial costs. PMID:27479170

  2. Hedged Monte-Carlo: low variance derivative pricing with objective probabilities

    NASA Astrophysics Data System (ADS)

    Potters, Marc; Bouchaud, Jean-Philippe; Sestovic, Dragan

    2001-01-01

    We propose a new ‘hedged’ Monte-Carlo ( HMC) method to price financial derivatives, which allows to determine simultaneously the optimal hedge. The inclusion of the optimal hedging strategy allows one to reduce the financial risk associated with option trading, and for the very same reason reduces considerably the variance of our HMC scheme as compared to previous methods. The explicit accounting of the hedging cost naturally converts the objective probability into the ‘risk-neutral’ one. This allows a consistent use of purely historical time series to price derivatives and obtain their residual risk. The method can be used to price a large class of exotic options, including those with path dependent and early exercise features.

  3. 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

    ... BE-185: Quarterly Survey of Financial Services Transactions Between U.S. Financial Services Providers... Services Transactions between U.S. Financial Services Providers and Foreign Persons (BE-185). This.... person who: (a) Had sales of covered financial services to foreign persons that exceeded $20 million for...

  4. 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)

  5. 42 CFR 137.21 - How does an Indian Tribe demonstrate financial stability and financial management capacity?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false How does an Indian Tribe demonstrate financial stability and financial management capacity? 137.21 Section 137.21 Public Health PUBLIC HEALTH SERVICE... How does an Indian Tribe demonstrate financial stability and financial management capacity? The Indian...

  6. [First-aid in France. Current situation and future perspectives].

    PubMed

    Larcan, Alain; Julien, Henri

    2010-06-01

    First-aid--treatment aimed at enabling a victim to survive pending the arrival of qualified medical support--is less well developed in France than in many other industrialized countries, especially among the general public. The current status of first-aid in France is paradoxical: schooling is free and obligatory, the ambulance service and emergency services are of the highest quality, but the general public are too often passive and unknowledgeable when faced with an emergency situation. This situation is due to several factors, including the complexity of first-aid training and regulations, the involvement of too many public bodies, the legal liability of the first-aider, and a lack of ongoing training. The French National Academy of Medicine recommends 8 measures to improve this situation: Provide a legal definition of first-aid: "a set of recognized measures aimed, in an emergency setting, at preserving the physical and psychological integrity of the victim of an accident or illness, notably pending the arrival of professional medical assistance". Waive, as in many other countries, civil and legal responsibility for the non professional first-aider, except in case of clear negligence. Reinforce the organization of first-aid in France in order to monitor the number and quality of first-aiders, and to ensure theoretical and pedagogic research; create a communications department capable of supporting and promoting first-aid. Improve access to first-aid training by increasing the number of situations in which it is obligatory (driving tuition, school and university examinations, group responsibility, at-risk practices), by providing financial assistance for certain groups, and by ensuring routine training at school, in the armed forces, and in the workplace. Create a progressive and integrated citizen first-aid training course with individual modules, ensuring that first-aiders update and perfect their knowledge throughout life. Soften pedagogic rules and shorten

  7. Financial Incentive Increases CPAP Acceptance in Patients from Low Socioeconomic Background

    PubMed Central

    Tarasiuk, Ariel; Reznor, Gally; Greenberg-Dotan, Sari; Reuveni, Haim

    2012-01-01

    Objective We explored whether financial incentives have a role in patients′ decisions to accept (purchase) a continuous positive airway pressure (CPAP) device in a healthcare system that requires cost sharing. Design Longitudinal interventional study. Patients The group receiving financial incentive (n = 137, 50.8±10.6 years, apnea/hypopnea index (AHI) 38.7±19.9 events/hr) and the control group (n = 121, 50.9±10.3 years, AHI 39.9±22) underwent attendant titration and a two-week adaptation to CPAP. Patients in the control group had a co-payment of $330–660; the financial incentive group paid a subsidized price of $55. Results CPAP acceptance was 43% greater (p = 0.02) in the financial incentive group. CPAP acceptance among the low socioeconomic strata (n = 113) (adjusting for age, gender, BMI, tobacco smoking) was enhanced by financial incentive (OR, 95% CI) (3.43, 1.09–10.85), age (1.1, 1.03–1.17), AHI (>30 vs. <30) (4.87, 1.56–15.2), and by family/friends who had positive experience with CPAP (4.29, 1.05–17.51). Among average/high-income patients (n = 145) CPAP acceptance was affected by AHI (>30 vs. <30) (3.16, 1.14–8.75), living with a partner (8.82, 1.03–75.8) but not by the financial incentive. At one-year follow-up CPAP adherence was similar in the financial incentive and control groups, 35% and 39%, respectively (p = 0.82). Adherence rate was sensitive to education (+yr) (1.28, 1.06–1.55) and AHI (>30 vs. <30) (5.25, 1.34–18.5). Conclusions Minimizing cost sharing reduces a barrier for CPAP acceptance among low socioeconomic status patients. Thus, financial incentive should be applied as a policy to encourage CPAP treatment, especially among low socioeconomic strata patients. PMID:22479368

  8. Consolidating Financial Statements.

    ERIC Educational Resources Information Center

    Wood, Marcia R.

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

  9. Sensitivity Analysis of Situational Awareness Measures

    NASA Technical Reports Server (NTRS)

    Shively, R. J.; Davison, H. J.; Burdick, M. D.; Rutkowski, Michael (Technical Monitor)

    2000-01-01

    A great deal of effort has been invested in attempts to define situational awareness, and subsequently to measure this construct. However, relatively less work has focused on the sensitivity of these measures to manipulations that affect the SA of the pilot. This investigation was designed to manipulate SA and examine the sensitivity of commonly used measures of SA. In this experiment, we tested the most commonly accepted measures of SA: SAGAT, objective performance measures, and SART, against different levels of SA manipulation to determine the sensitivity of such measures in the rotorcraft flight environment. SAGAT is a measure in which the simulation blanks in the middle of a trial and the pilot is asked specific, situation-relevant questions about the state of the aircraft or the objective of a particular maneuver. In this experiment, after the pilot responded verbally to several questions, the trial continued from the point frozen. SART is a post-trial questionnaire that asked for subjective SA ratings from the pilot at certain points in the previous flight. The objective performance measures included: contacts with hazards (power lines and towers) that impeded the flight path, lateral and vertical anticipation of these hazards, response time to detection of other air traffic, and response time until an aberrant fuel gauge was detected. An SA manipulation of the flight environment was chosen that undisputedly affects a pilot's SA-- visibility. Four variations of weather conditions (clear, light rain, haze, and fog) resulted in a different level of visibility for each trial. Pilot SA was measured by either SAGAT or the objective performance measures within each level of visibility. This enabled us to not only determine the sensitivity within a measure, but also between the measures. The SART questionnaire and the NASA-TLX, a measure of workload, were distributed after every trial. Using the newly developed rotorcraft part-task laboratory (RPTL) at NASA Ames

  10. The impact of the 2008 financial crisis on psychological work stress among financial workers and lawyers.

    PubMed

    Tsai, Feng-Jen; Chan, Chang-Chuan

    2011-04-01

    The aim of this study was to investigate the impact of the financial crisis on psychological work stress among financial workers and lawyers. The Chinese versions of Karasek's job content questionnaire (C-JCQ) and Siegrist's ERI questionnaire (C-ERI) were used to measure work stress, and the Copenhagen Burnout Inventory (C-CBI) questionnaire was used to measure personal and work-related burnout for 38 financial workers and 97 lawyers before and after the financial crisis in 2008. A paired t test was used to compare changes in work stress and burnout. A logistic regression was performed to determine the association between psychosocial work stress and burnout. After the financial crisis, financial workers reported significantly higher stress from fear of layoffs, increased experiences of undesirable changes and more fear of making mistakes during work. On the contrary, lawyers reported significantly higher scores of reward, fewer psychological demands and less exhaustion. In addition to high psychological demand and a high effort-reward ratio, high effort, over-commitment and stress of layoffs also contributed to personal and work-related burnout after the financial crisis. After the financial crisis, lawyers' personal burnout decreased with the increase of reward, and their work-related burnout decreased with the decrease in psychological demand. The financial crisis has an unequal psychological impact on financial workers and lawyers. Financial workers' psychosocial work stress and burnout were aggravated, while lawyers' psychosocial work stress and burnout were alleviated.

  11. 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…

  12. 7 CFR 3015.310 - Interstate situations.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Agriculture Regulations of the Department of Agriculture (Continued) OFFICE OF THE CHIEF FINANCIAL OFFICER...) Identifying proposed Federal financial assistance and direct Federal development that have an impact on interstate areas; (2) Notifying appropriate officials in States which have adopted a process and which...

  13. 7 CFR 3015.310 - Interstate situations.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Agriculture Regulations of the Department of Agriculture (Continued) OFFICE OF THE CHIEF FINANCIAL OFFICER...) Identifying proposed Federal financial assistance and direct Federal development that have an impact on interstate areas; (2) Notifying appropriate officials in States which have adopted a process and which...

  14. Can a Non-Chiral Object Be Made of Two Identical Chiral Moieties?

    ERIC Educational Resources Information Center

    LeMarechal, Jean Francois

    2008-01-01

    Several pedagogical objects can be used to discuss chirality. Here, we use the cut of an apple to show that the association of identical chiral moieties can form a non-chiral object. Octahedral chirality is used to find situations equivalent to the cut of the apple. (Contains 5 figures.)

  15. Individual and Situational Influences on Men's Responses to Dating and Social Situations

    ERIC Educational Resources Information Center

    Hoyt, Tim; Yeater, Elizabeth A.

    2011-01-01

    This study employed multilevel modeling to evaluate individual and situational influences on men's responses to hypothetical dating and social situations. Three hundred and fifty college men completed measures assessing their propensity for sexual aggression and provided written responses to 10 written vignettes, each of which was followed by four…

  16. Agoraphobia: A Situational Analysis.

    ERIC Educational Resources Information Center

    Sinnott, Austin; And Others

    1981-01-01

    Agoraphobia patients answered a questionnaire describing anxiety-producing situations. Home environment was associated with supportive company. Situations requiring patients to venture out alone were most anxiety-producing. The overriding importance of a significant other suggests treatment implications. (JAC)

  17. The Lichtenberg Financial Decision Screening Scale (LFDSS): A new tool for assessing financial decision making and preventing financial exploitation.

    PubMed

    Lichtenberg, Peter A; Ficker, Lisa; Rahman-Filipiak, Analise; Tatro, Ron; Farrell, Cynthia; Speir, James J; Mall, Sanford J; Simasko, Patrick; Collens, Howard H; Jackman, John Daniel

    2016-01-01

    One of the challenges in preventing the financial exploitation of older adults is that neither criminal justice nor noncriminal justice professionals are equipped to detect capacity deficits. Because decision-making capacity is a cornerstone assessment in cases of financial exploitation, effective instruments for measuring this capacity are essential. We introduce a new screening scale for financial decision making that can be administered to older adults. To explore the scale's implementation and assess construct validity, we conducted a pilot study of 29 older adults seen by APS (Adult Protective Services) workers and 79 seen by other professionals. Case examples are included.

  18. The Lichtenberg Financial Decision Screening Scale (LFDSS): A new tool for assessing financial decision making and preventing financial exploitation

    PubMed Central

    Lichtenberg, P.A.; Howard, H; Simaskp, P.; Mall, S.; Speir, J.; Farrell, C.; Tatro, R; Rahman-Filipiak, A.; Ficker, L.J.

    2016-01-01

    One of the challenges in preventing the financial exploitation of older adults is that neither criminal justice nor noncriminal justice professionals are equipped to detect capacity deficits. Because decision-making capacity is a cornerstone assessment in cases of financial exploitation, effective instruments for measuring this capacity are essential. We introduce a new screening scale for financial decision making that can be administered to older adults. To explore the scale’s implementation and assess construct validity, we conducted a pilot study of 29 older adults seen by APS workers and 79 seen by other professionals. Case examples are included. PMID:27010780

  19. Country Review of Energy-Efficiency Financial Incentives in the Residential Sector

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

    Can, Stephane de la Rue du; Shah, Nihar; Phadke, Amol

    A large variety of energy-efficiency policy measures exist. Some are mandatory, some are informative, and some use financial incentives to promote diffusion of efficient equipment. From country to country, financial incentives vary considerably in scope and form, the type of framework used to implement them, and the actors that administer them. They range from rebate programs administered by utilities under an Energy-Efficiency Resource Standards (EERS) regulatory framework (California, USA) to the distribution of Eco-points rewarding customers for buying highly efficient appliances (Japan). All have the primary objective of transforming the current market to accelerate the diffusion of efficient technologies bymore » addressing up-front cost barriers faced by consumers; in most instances, efficient technologies require a greater initial investment than conventional technologies. In this paper, we review the different market transformation measures involving the use of financial incentives in the countries belonging to the Major Economies Forum. We characterize the main types of measures, discuss their mechanisms, and provide information on program impacts to the extent that ex-ante or ex-post evaluations have been conducted. Finally, we identify best practices in financial incentive programs and opportunities for coordination between Major Economies Forum countries as envisioned under the Super Efficient Appliance Deployment (SEAD) initiative.« less

  20. Financial Mechanism for the Implementation of Strategic and Operational Financial Decisions of Modern Enterprises

    ERIC Educational Resources Information Center

    Nikeriasova, Veronika V.; Ordov, Konstantin V.; Khvostenko, Oleg A.

    2016-01-01

    In modern conditions of world depression, it is urgent for increasing the efficiency of the financial mechanism. Company's future depends on the correct choice of the financial mechanism strategy. The article deals with the issues of improving the financial mechanism of enterprises in the implementation of strategic and operational financial…

  1. 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…

  2. From the fundamental rule to the analysing situation.

    PubMed

    Donnet, J L

    2001-02-01

    The analytic method relies on the mental capacity to produce an associative sequence, and, afterwards, to discern its unconscious logic; within the social practice of the analytic cure, the method presents itself as the mastered enactment of the condition through which free association proves to be possible, interpretable and beneficial. There is a contradiction between the necessity of relying on a former theorisation and that of willingly suspending a knowledge that might serve the authenticity of the experience. The author reminds us of the structural links between the fundamental rule and the defined situations within which the analytic process of transformative investigation can take place. He raises the problems that it is suggested arise with the initial objectivation method by acknowledging the transference as the created-found object of interpretation. He shows how the transformation of the patient into analysand implies the functional introjection of the various elements contained by the analytic site. The meaning given to the expression 'analysing situation' is made explicit. The crucial value of the process of enunciation is illustrated by a brief example.

  3. More for less: best patient outcomes in a time of financial restraint.

    PubMed

    Merry, Alan F; Hamblin, Richard

    2012-12-01

    In many countries, expenditure on health care has increased dramatically over recent years. There have been parallel improvements in many indicators of population health, but too many patients continue to be harmed by health care or receive care that is supply-sensitive, ineffective, or poorly aligned with their needs and values. In addition to human costs, this translates into substantial waste of resource. The world has recently faced economic challenges unseen since the great depression of the 1930s. The financial situation of a country can, like a business, be expressed in three sets of accounts: statements of financial position, financial performance, and cash flow. A key test of solvency is the ability to pay debts as they become due (whether from current account or further borrowing). In general, this is a function of public debt, which for many countries has become very high. However, private debt and net financial position are also relevant to a country's financial prospects. Ultimately, borrowing is not sustainable indefinitely and given limited prospects for growth in income in the coming years, most countries will likely need to reduce or at least constrain expenditure on health care. This implies obtaining better value from the resources that are available, and we suggest that the key to this lies in improving the quality of care and, in particular, reducing variation in health care. In the United States, new legislation promoting accountable care organizations may help to do this. Cardiac surgery can be particularly effective in extending patients' lives and in improving the quality of their lives. Our ability to continue to provide cardiac surgery in the face of constrained economic times will depend on engaging more actively in ensuring that what we do is the right thing: that our operations are effective and that they truly meet the needs and values of our patients. It will also depend on doing these operations right the first time.

  4. More for Less: Best Patient Outcomes in a Time of Financial Restraint

    PubMed Central

    Merry, Alan F.; Hamblin, Richard

    2012-01-01

    Abstract: In many countries, expenditure on health care has increased dramatically over recent years. There have been parallel improvements in many indicators of population health, but too many patients continue to be harmed by health care or receive care that is supply-sensitive, ineffective, or poorly aligned with their needs and values. In addition to human costs, this translates into substantial waste of resource. The world has recently faced economic challenges unseen since the great depression of the 1930s. The financial situation of a country can, like a business, be expressed in three sets of accounts: statements of financial position, financial performance, and cash flow. A key test of solvency is the ability to pay debts as they become due (whether from current account or further borrowing). In general, this is a function of public debt, which for many countries has become very high. However, private debt and net financial position are also relevant to a country’s financial prospects. Ultimately, borrowing is not sustainable indefinitely and given limited prospects for growth in income in the coming years, most countries will likely need to reduce or at least constrain expenditure on health care. This implies obtaining better value from the resources that are available, and we suggest that the key to this lies in improving the quality of care and, in particular, reducing variation in health care. In the United States, new legislation promoting accountable care organizations may help to do this. Cardiac surgery can be particularly effective in extending patients’ lives and in improving the quality of their lives. Our ability to continue to provide cardiac surgery in the face of constrained economic times will depend on engaging more actively in ensuring that what we do is the right thing: that our operations are effective and that they truly meet the needs and values of our patients. It will also depend on doing these operations right the first time

  5. 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…

  6. Association Between Financial Conflicts of Interests and Supportive Opinions for Erectile Dysfunction Treatment.

    PubMed

    Boscolo-Berto, Rafael; Montisci, Massimo; Secco, Silvia; D'Elia, Carolina; Snenghi, Rosella; Viel, Guido; Ferrara, Santo Davide

    2016-09-01

    A conflict of interest (COI) is a situation in which a person has competing loyalties or interests that make it difficult to fulfil his or her duties impartially. Conflict of interest is not categorically improper in itself but requires proper management. A SCOPUS literature search was performed for publications on the efficacy/safety of Phospho-Di-Esterase Inhibitors (PDEIs) for treating erectile dysfunction. A categorization tool (CoOpCaT) was used to review and classify the publications as supportive/not-supportive for the discussed active ingredient and reporting or not reporting a COI for that specific drug or for the remaining PDEIs (i.e. competitors). Multivariable binary logistic regression was performed. In the 419 selected records the prevalence of supportive opinions was higher when a COI for the index label was declared. The CoOpCaT showed good internal consistency, discriminative validity and intra/inter-rater agreement. The strongest predictor for a supportive opinion was the total number of financial COIs for the index label. A mild protective effect of the total number of financial COIs for any competitor label was noted. Financial COIs have frequently been associated with bias, and the measures currently adopted to restrain it lack effectiveness. Some evidence for monitoring and/or compensating this bias is reported here, but the ultimate solution remains distant.

  7. Framework for Financial Ratio Analysis of Audited Federal Financial Reports

    DTIC Science & Technology

    1999-12-01

    franchising operations, allowing them to lower costs and share administrative support services with other agencies. [Ref. 60:sec. 402-403] The GMRA also...96 Federal Financial Reporting Statement of Net Cost Report Format 97 Federal Financial Reporting Statement of Changes in Net Position Report Format...analysis for sales, profitability, efficiency, marketing, investment, debt and capital analysis. Monitor growth Monitor costs Measure profitability and

  8. 7 CFR 3016.61 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Financial reporting. 3016.61 Section 3016.61... AND LOCAL GOVERNMENTS Entitlement § 3016.61 Financial reporting. The financial reporting provisions... Food Distribution Program on Indian Reservations. The financial reporting requirements for these...

  9. Public health situation awareness: toward a semantic approach

    NASA Astrophysics Data System (ADS)

    Mirhaji, Parsa; Richesson, Rachel L.; Turley, James P.; Zhang, Jiajie; Smith, Jack W.

    2004-04-01

    We propose a knowledge-based public health situation awareness system. The basis for this system is an explicit representation of public health situation awareness concepts and their interrelationships. This representation is based upon the users" (public health decision makers) cognitive model of the world, and optimized towards the efficacy of performance and relevance to the public health situation awareness processes and tasks. In our approach, explicit domain knowledge is the foundation for interpretation of public health data, as apposed to conventional systems where the statistical methods are the essence of the processes. Objectives: To develop a prototype knowledge-based system for public health situation awareness and to demonstrate the utility of knowledge intensive approaches in integration of heterogeneous information, eliminating the effects of incomplete and poor quality surveillance data, uncertainty in syndrome and aberration detection and visualization of complex information structures in public health surveillance settings, particularly in the context of bioterrorism (BT) preparedness. The system employs the Resource Definition Framework (RDF) and additional layers of more expressive languages to explicate the knowledge of domain experts into machine interpretable and computable problem-solving modules that can then guide users and computer systems in sifting through the most "relevant" data for syndrome and outbreak detection and investigation of root cause of the event. The Center for Biosecurity and Public Health Informatics Research is developing a prototype knowledge-based system around influenza, which has complex natural disease patterns, many public health implications, and is a potential agent for bioterrorism. The preliminary data from this effort may demonstrate superior performance in information integration, syndrome and aberration detection, information access through information visualization, and cross-domain investigation of the

  10. A Markov game theoretic data fusion approach for cyber situational awareness

    NASA Astrophysics Data System (ADS)

    Shen, Dan; Chen, Genshe; Cruz, Jose B., Jr.; Haynes, Leonard; Kruger, Martin; Blasch, Erik

    2007-04-01

    This paper proposes an innovative data-fusion/ data-mining game theoretic situation awareness and impact assessment approach for cyber network defense. Alerts generated by Intrusion Detection Sensors (IDSs) or Intrusion Prevention Sensors (IPSs) are fed into the data refinement (Level 0) and object assessment (L1) data fusion components. High-level situation/threat assessment (L2/L3) data fusion based on Markov game model and Hierarchical Entity Aggregation (HEA) are proposed to refine the primitive prediction generated by adaptive feature/pattern recognition and capture new unknown features. A Markov (Stochastic) game method is used to estimate the belief of each possible cyber attack pattern. Game theory captures the nature of cyber conflicts: determination of the attacking-force strategies is tightly coupled to determination of the defense-force strategies and vice versa. Also, Markov game theory deals with uncertainty and incompleteness of available information. A software tool is developed to demonstrate the performance of the high level information fusion for cyber network defense situation and a simulation example shows the enhanced understating of cyber-network defense.

  11. Automatic 3D inspection metrology for high-temperature objects

    NASA Astrophysics Data System (ADS)

    Han, Liya; Li, Zhongwei; Zhong, Kai; Yi, Jie; Shi, Yusheng; Cheng, Xu; Zhan, Guomin; Chen, Ran

    2017-06-01

    3D Visual Inspection for high-temperature objects has attracted more and more attention in the industrial and manufacture field. Until now it is still difficult to measure the shape of high-temperature objects due to the following problems: 1) the radiation and heat transfer through the air seriously affect both human and measurement equipment, so the manual measurement is not capable in this situation. 2) Because of the difficulties to handle the surfaces of the hot objects, it is hard to use artificial markers to align different pieces of data. In order to solve these problems, an automatic 3D shape measurement system for high-temperature objects is proposed by combing an industrial robot with a structured blue light 3D scanner. In this system, the route for inspection is planned with the cooled object and then executed automatically with the same object in hot state to avoid artificial operations. The route is carefully planned to reduce the exposure time of the measurement equipment under the high-temperature situation. Then different pieces of data are premapped during the planning procedure. In the executing procedure, they can be aligned accurately thanks to the good repeatability of the industrial robot. Finally, different pieces of data are merged without artificial markers and the results are better than methods with traditional hand-eye calibration. Experiments verify that the proposed system can conduct the inspection of forging parts under the temperature of 900°C and the alignment precision is 0.0013rad and 0.28mm.

  12. Measures of Financial Capacity: A Review.

    PubMed

    Ghesquiere, Angela R; McAfee, Caitlin; Burnett, Jason

    2017-05-23

    Capacity to manage finances and make financial decisions can affect risk for financial exploitation and is often the basis for legal determinations of conservatorship/guardianship. Several structured assessments of financial capacity have been developed, but have not been compared regarding their focus, validity, or reliability. Therefore, we conducted a review of financial capacity measures to examine these factors. We searched electronic databases, reference lists in identified articles, conference proceedings and other grey literature for measures of financial capacity. We then extracted data on the length and domains of each measure, the population for which they were intended, and their validity and reliability. We identified 10 structured measures of financial capacity. Most measures could be completed in 25-30 min, and were designed to be administered to older adults with some level of cognitive impairment. Reliability and validity were high for most. Measurement of financial capacity is complex and multidimensional. When selecting a measure of financial capacity, consideration should be made of the population of focus and the domains of capacity to be assessed. More work is needed on the cultural sensitivity of financial capacity measures, their acceptability, and their use in clinical work. Better understanding of when, and to whom, to administer different financial capacity measures could enhance the ability to accurately detect those suffering from impaired financial capacity, and prevent related negative outcomes like financial exploitation. © The Author 2017. Published by Oxford University Press on behalf of The Gerontological Society of America. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

  13. 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 financial...

  14. The Development of a Course in Financial Statement Analysis for the Dowling College M.B.A. Program. Curriculum and Program Planning.

    ERIC Educational Resources Information Center

    Newman, James F.

    In the development of a course in financial statement analysis, the following procedures were implemented: analysis of new accounting pronouncements, new textbooks, and articles on the topic of financial statement analysis; establishment of goals and objectives for the course; and selection of text and content of the course. The course was…

  15. Numerical Activities of Daily Living - Financial (NADL-F): A tool for the assessment of financial capacities.

    PubMed

    Arcara, Giorgio; Burgio, Francesca; Benavides-Varela, Silvia; Toffano, Roberta; Gindri, Patrizia; Tonini, Elisabetta; Meneghello, Francesca; Semenza, Carlo

    2017-09-07

    Financial capacity is the ability to manage one's own finances according to self-interests. Failure in financial decisions and lack of independence when dealing with money can affect people's quality of life and are associated with neuropsychological deficits or clinical conditions such as mild cognitive impairment or Alzheimer's disease. Despite the importance of evaluating financial capacity in the assessment of patients with neuropsychological and psychiatric disorders, only a few tools have been developed. In the present article, the authors introduce the Numerical Activities of Daily Living - Financial (NADL-F) test, a new test to assess financial capacity in clinical populations. The NADL-F is relatively short, yet it encompasses the most common activities involving financial capacities. The NADL-F proved to have satisfactory psychometric properties and overall good validity for measuring financial abilities. Associations with performance on basic neuropsychological tests were investigated, in particular focusing on mathematical abilities as cognitive correlates of financial capacity. Results indicate that the NADL-F could be a useful tool to guide treatments for the enhancement of financial capacities. By sharing all materials and procedures, the authors hope to promote the development of further versions of the NADL-F in different languages, taking into account the necessary adjustments related to different socio-cultural contexts.

  16. Hospital board effectiveness: relationships between governing board composition and hospital financial viability.

    PubMed Central

    Molinari, C; Morlock, L; Alexander, J; Lyles, C A

    1993-01-01

    OBJECTIVE. Two theories--agency and managerialism--are compared with respect to their usefulness in explaining the role of insiders on the hospital board: whether their participation enhances or impairs board financial decision making. DATA SOURCES/STUDY SETTING. The study used 1985 hospital financial and governing board data for a representative sample of acute care California hospitals. STUDY DESIGN. Relationships were examined cross-sectionally between the presence or absence of insiders on the board and measures of hospital financial viability while controlling for the organizational factors of system affiliation, ownership, size, region, and corporate restructuring. PRINCIPAL FINDINGS. Multiple regression analysis found significant relationships between insider (CEO, medical staff) participation and hospital viability. CONCLUSIONS. These results support the managerial theory of governance by suggesting that the CEO and medical staff provide informational advantages to the hospital governing board. However, the cross-sectional design points to the need for future longitudinal studies in order to sequence these relationships between insider participation and improved hospital viability. PMID:8344824

  17. Situational theory of leadership.

    PubMed

    Waller, D J; Smith, S R; Warnock, J T

    1989-11-01

    The situational theory of leadership and the LEAD instruments for determining leadership style are explained, and the application of the situational leadership theory to the process of planning for and implementing organizational change is described. Early studies of leadership style identified two basic leadership styles: the task-oriented autocratic style and the relationship-oriented democratic style. Subsequent research found that most leaders exhibited one of four combinations of task and relationship behaviors. The situational leadership theory holds that the difference between the effectiveness and ineffectiveness of the four leadership styles is the appropriateness of the leader's behavior to the particular situation in which it is used. The task maturity of the individual or group being led must also be accounted for; follower readiness is defined in terms of the capacity to set high but attainable goals, willingness or ability to accept responsibility, and possession of the necessary education or experience for a specific task. A person's leadership style, range, and adaptability can be determined from the LEADSelf and LEADOther questionnaires. By applying the principles of the situational leadership theory and adapting their managerial styles to specific tasks and levels of follower maturity, the authors were successful in implementing 24-hour pharmacokinetic dosing services provided by staff pharmacists with little previous experience in clinical services. The situational leadership model enables a leader to identify a task, set goals, determine the task maturity of the individual or group, select an appropriate leadership style, and modify the style as change occurs. Pharmacy managers can use this model when implementing clinical pharmacy services.

  18. U.S. hardwood fiber demand and supply situation : globalization and structural change

    Treesearch

    Peter J. Ince; Irene Durbak

    2005-01-01

    This paper reviews demand and supply trends for hardwood fiber in the United States. The objective is to illustrate nationwide shifts in demand and supply and show how the hardwood pulpwood market reacts to those shifts at a regional level. Thus, the market situation is illustrated using an economic rationale, and trends are projected under assumptions about future...

  19. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 29 Labor 9 2012-07-01 2012-07-01 false Financial information. 4010.9 Section 4010.9 Labor... 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 for...

  20. 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 for...