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Sample records for security financial

  1. Securing your financial future.

    PubMed

    Kachalia, Parag R

    2009-04-01

    Securing one's financial future requires dedication and planning. A clear plan must be implemented and continually re-examined to assure an individual remains on track to achieve this security. True success of the plan will be dependent upon taking the appropriate steps to protecting one's assets against unfortunate events along with building assets with a clear end goal in mind. This article will cover the fundamental steps an individual can take to secure their financial future.

  2. Increasing Financial Security

    ERIC Educational Resources Information Center

    Kiss, Elizabeth

    2006-01-01

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

  3. Increasing Financial Security

    ERIC Educational Resources Information Center

    Kiss, Elizabeth

    2006-01-01

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

  4. Threats to financial system security

    SciTech Connect

    McGovern, D.E.

    1997-06-01

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

  5. 7 CFR 1421.404 - Financial security.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  6. 7 CFR 1421.404 - Financial security.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 10 2014-01-01 2014-01-01 false Financial security. 1421.404 Section 1421.404...-MARKETING ASSISTANCE LOANS AND LOAN DEFICIENCY PAYMENTS FOR 2008 THROUGH 2012 Designated Marketing Associations for Peanuts § 1421.404 Financial security. In order to be approved to handle loans and...

  7. 7 CFR 1421.404 - Financial security.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Financial security. 1421.404 Section 1421.404 Agriculture Regulations of the Department of Agriculture (Continued) COMMODITY CREDIT CORPORATION, DEPARTMENT... Associations for Peanuts § 1421.404 Financial security. In order to be approved to handle loans and...

  8. 7 CFR 1421.404 - Financial security.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 10 2012-01-01 2012-01-01 false Financial security. 1421.404 Section 1421.404 Agriculture Regulations of the Department of Agriculture (Continued) COMMODITY CREDIT CORPORATION, DEPARTMENT... Associations for Peanuts § 1421.404 Financial security. In order to be approved to handle loans and...

  9. Does Financial Literacy Contribute to Food Security?

    PubMed

    Carman, Katherine G; Zamarro, Gema

    2016-01-01

    Food insecurity, not having consistent access to adequate food for active, healthy lives for all household members, is most common among low income households. However, income alone is not sufficient to explain who experiences food insecurity. This study investigates the relationship between financial literacy and food security. We find that low income households who exhibit financial literacy are less likely to experience food insecurity.

  10. 78 FR 73819 - Information Collection; Financial Information Security Request Form

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-09

    ... Forest Service Information Collection; Financial Information Security Request Form AGENCY: Forest Service... extension with revision of a currently approved information collection, Financial Information Security...: Comments concerning this notice should be addressed to Financial Policy, Mail Stop 1149, USDA,...

  11. Improving Social Security's Financial Capability Assessments.

    PubMed

    Appelbaum, Paul S; Birkenmaier, Julie; Norman, Marc

    2016-07-01

    When Social Security beneficiaries are incapable of managing their benefits, the agency can appoint a representative payee to administer benefits on their behalf. A committee of the Institute of Medicine was asked by the Social Security Administration to review the process by which financial capability determinations are made and to recommend improvements. The committee's conclusions and recommendations include the following: giving priority to real-world financial performance in assessing capability, providing clearer instructions to informants, developing systematic approaches to identifying beneficiaries at risk of incapability, exploring the use of a supervised direct payment option, and instituting regular data collection to assist in improving operations.

  12. Financial status of the Social Security Program.

    PubMed

    Myers, R J

    1983-03-01

    This study, originally a background paper for the National Commission on Social Security Reform and published as Appendix J in the Commission's Report, outlines the dimensions of the financing problem the Commission addressed. Prepared by Robert J. Myers, the Commission's Executive Director and a former Deputy Commissioner and Chief Actuary of the Social Security Administration, it discusses, in turn, the operational and funding procedures of the Social Security Trust Funds, the measures developed to determine the financial soundness of the program, and the financial status of each trust fund in the past, at present, and projected for the future. The author shows how program funding was gradually shifted from a modified-reserve to a pay-as-you-go basis and how the balance between income and outgo was disrupted by adverse economic conditions during 1979-81, when prices rose more rapidly than wages and unemployment was substantially higher than anticipated. Using several different economic assumptions, Myers estimates how extensive the deficits of the program could be over the short run (the remainder of the 1980's) and over the long term (the period 1982-2055).

  13. 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…

  14. 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…

  15. 75 FR 28777 - Information Collection; Financial Information Security Request Form

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-24

    ...; ] DEPARTMENT OF AGRICULTURE Forest Service Information Collection; Financial Information Security Request Form... organizations on the extension with revision of a currently approved information collection; Financial Information Security Request Form. DATES: Comments must be received in writing on or before July 23, 2010 to...

  16. The Financial Security of UK HE Institutions

    ERIC Educational Resources Information Center

    Wellington, Sean

    2007-01-01

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

  17. The Financial Security of UK HE Institutions

    ERIC Educational Resources Information Center

    Wellington, Sean

    2007-01-01

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

  18. Personal finance: there are no shortcuts to financial security.

    PubMed

    Yarkony, Kathryn

    2009-12-01

    Perioperative nurses have skills that lend themselves to sound financial decision-making, and during these difficult economic times, it is important to know how to secure earnings for the future. Key strategies include saving for retirement, consulting a financial advisor, investing in reliable vehicles, holding investments until the market stabilizes, and controlling credit card debt. Nurses can use the nursing process of assessment, diagnosis, planning, implementation, and evaluation to help them make sound financial decisions.

  19. Agencies Need Improved Financial Data Reporting for Private Security Contractors

    DTIC Science & Technology

    2008-10-30

    display a currently valid OMB control number. 1. REPORT DATE 30 OCT 2008 2 . REPORT TYPE 3. DATES COVERED 00-00-2008 to 00-00-2008 4. TITLE AND...capturing financial information for all contracts and subcontracts for private security services and all other security related costs . ( 2 ) Direct...of offices. 2 . Direct program managers to consider the costs of security relative to the expected benefits for all new projects. 3. Identify

  20. Financial Irresponsibility: Background Information for Security Personnel

    DTIC Science & Technology

    1991-09-01

    security and suitability. A previous study dealt with alcohol use and abuse. Future studies will deal with compulsive gambling, nonconforming sexual...91% failed this 20% test. Within the general population, only 5% are this burdened with consumer debt. Various patterns of compulsive behavior center...around the theme of money--either spending it, saving it, or taking risks with it. Compulsive gambling and compulsive shopping are of security

  1. 17 CFR 210.3-16 - Financial statements of affiliates whose securities collateralize an issue registered or being...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Financial statements of... FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, INVESTMENT COMPANY... Instructions As to Financial Statements § 210.3-16 Financial statements of affiliates whose securities...

  2. 17 CFR 210.3-16 - Financial statements of affiliates whose securities collateralize an issue registered or being...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false Financial statements of... FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, INVESTMENT COMPANY... Instructions As to Financial Statements § 210.3-16 Financial statements of affiliates whose securities...

  3. 17 CFR 210.3-16 - Financial statements of affiliates whose securities collateralize an issue registered or being...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Financial statements of... FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, INVESTMENT COMPANY... Instructions As to Financial Statements § 210.3-16 Financial statements of affiliates whose securities...

  4. Advanced Computational Methods for Security Constrained Financial Transmission Rights

    SciTech Connect

    Kalsi, Karanjit; Elbert, Stephen T.; Vlachopoulou, Maria; Zhou, Ning; Huang, Zhenyu

    2012-07-26

    Financial Transmission Rights (FTRs) are financial insurance tools to help power market participants reduce price risks associated with transmission congestion. FTRs are issued based on a process of solving a constrained optimization problem with the objective to maximize the FTR social welfare under power flow security constraints. Security constraints for different FTR categories (monthly, seasonal or annual) are usually coupled and the number of constraints increases exponentially with the number of categories. Commercial software for FTR calculation can only provide limited categories of FTRs due to the inherent computational challenges mentioned above. In this paper, first an innovative mathematical reformulation of the FTR problem is presented which dramatically improves the computational efficiency of optimization problem. After having re-formulated the problem, a novel non-linear dynamic system (NDS) approach is proposed to solve the optimization problem. The new formulation and performance of the NDS solver is benchmarked against widely used linear programming (LP) solvers like CPLEX™ and tested on both standard IEEE test systems and large-scale systems using data from the Western Electricity Coordinating Council (WECC). The performance of the NDS is demonstrated to be comparable and in some cases is shown to outperform the widely used CPLEX algorithms. The proposed formulation and NDS based solver is also easily parallelizable enabling further computational improvement.

  5. Financial Strategies Moderate Weather Impacts on Food Security Outcomes

    NASA Astrophysics Data System (ADS)

    Brown, M. E.; Niles, M.

    2016-12-01

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

  6. 17 CFR 210.3-10 - Financial statements of guarantors and issuers of guaranteed securities registered or being...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Financial statements of... FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, INVESTMENT COMPANY... Instructions As to Financial Statements § 210.3-10 Financial statements of guarantors and issuers of guaranteed...

  7. 17 CFR 210.3-10 - Financial statements of guarantors and issuers of guaranteed securities registered or being...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false Financial statements of... FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, INVESTMENT COMPANY... Instructions As to Financial Statements § 210.3-10 Financial statements of guarantors and issuers of guaranteed...

  8. 17 CFR 210.3-16 - Financial statements of affiliates whose securities collateralize an issue registered or being...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Financial statements of... FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, PUBLIC UTILITY... POLICY AND CONSERVATION ACT OF 1975 General Instructions As to Financial Statements § 210.3-16 Financial...

  9. 17 CFR 210.3-16 - Financial statements of affiliates whose securities collateralize an issue registered or being...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Financial statements of... FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, PUBLIC UTILITY... POLICY AND CONSERVATION ACT OF 1975 General Instructions As to Financial Statements § 210.3-16 Financial...

  10. 75 FR 76617 - Use of Community Development Loans by Community Financial Institutions To Secure Advances...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-09

    ... RIN 2590-AA24 Use of Community Development Loans by Community Financial Institutions To Secure... and New Business Activity Regulations AGENCY: Federal Housing Finance Board, Federal Housing Finance... community financial institution (CFI) members may pledge to secure Federal Home Loan Bank (Bank) advances to...

  11. The existential cost of economic insecurity: Threatened financial security undercuts meaning.

    PubMed

    Abeyta, Andrew A; Routledge, Clay; Kersten, Michael; Cox, Cathy R

    2016-12-14

    Financial security (i.e., a person's sense that they can afford the things they need now and in the foreseeable future) contributes to psychological health and well-being. In the present research, we explored the implications of financial security for perceptions of meaning in life. In Study 1, we found that perceptions of financial insecurity predicted perceptions of meaning in life above and beyond income. Further, income only predicted perceptions of meaning to the extent that it was associated with reduced financial insecurity. In Studies 2 and 3, we found that financial security threats undermined perceptions of meaning in life. Taken together, these studies suggest that maintaining financial security is important for a sense of meaning in life.

  12. Issues of Falsifying Financial Statements in Terms of Economic Security

    ERIC Educational Resources Information Center

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

    2016-01-01

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

  13. Personal Economic and Financial Security. Unit 7: A Core Curriculum of Related Instruction for Apprentices.

    ERIC Educational Resources Information Center

    New York State Education Dept., Albany. Bureau of Occupational and Career Curriculum Development.

    The personal economic and financial security unit is presented to assist apprentices to acquire a general knowledge of how to maintain economic security and stability. The unit consists of six modules: (1) Fair Labor Standards Act: minimum wages and maximum hours, (2) unemployment insurance: payments for the unemployed worker, (3) workmen's…

  14. Personal Economic and Financial Security. Unit 7: A Core Curriculum of Related Instruction for Apprentices.

    ERIC Educational Resources Information Center

    New York State Education Dept., Albany. Bureau of Occupational and Career Curriculum Development.

    The personal economic and financial security unit is presented to assist apprentices to acquire a general knowledge of how to maintain economic security and stability. The unit consists of six modules: (1) Fair Labor Standards Act: minimum wages and maximum hours, (2) unemployment insurance: payments for the unemployed worker, (3) workmen's…

  15. 12 CFR 615.5560 - Book-entry Procedure for Farm Credit System Financial Assistance Corporation Securities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... OPERATIONS Farm Credit System Financial Assistance Corporation Securities § 615.5560 Book-entry Procedure for Farm Credit System Financial Assistance Corporation Securities. (a) The Farm Credit System Financial... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Book-entry Procedure for Farm Credit System...

  16. 17 CFR 210.3-10 - Financial statements of guarantors and issuers of guaranteed securities registered or being...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Financial statements of... FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, PUBLIC UTILITY HOLDING COMPANY ACT OF 1935, INVESTMENT COMPANY ACT OF 1940, INVESTMENT ADVISERS ACT OF 1940, AND ENERGY...

  17. Association of market, mission, operational, and financial factors with hospitals' level of cash and security investments.

    PubMed

    McCue, M J; Thompson, J M; Dodd-McCue, D

    Using a resource dependency framework and financial theory, this study assessed the market, mission, operational, and financial factors associated with the level of cash and security investments in hospitals. We ranked hospitals in the study sample based on their cash and security investments as a percentage of total assets: hospitals in the high cash/security investment category were in the top 25th percentile of all hospitals; those in the low cash/security investment group were in the bottom 25th percentile. Findings indicate that high cash/security investment hospitals are under either public or private nonprofit ownership and have greater market share. They also serve more complex cases, offer more technology services, generate greater profits, incur a more stable patient revenue base, and maintain less debt.

  18. The future financial status of the Social Security program.

    PubMed

    Goss, Stephen C

    2010-01-01

    The concepts of solvency, sustainability, and budget impact are common in discussions of Social Security, but are not well understood. Currently, the Social Security Board of Trustees projects program cost to rise by 2035 so that taxes will be enough to pay for only 75 percent of scheduled benefits. This increase in cost results from population aging, not because we are living longer, but because birth rates dropped from three to two children per woman. Importantly, this shortfall is basically stable after 2035; adjustments to taxes or benefits that offset the effects of the lower birth rate may restore solvency for the Social Security program on a sustainable basis for the foreseeable future. Finally, as Treasury debt securities (trust fund assets) are redeemed in the future, they will just be replaced with public debt. If trust fund assets are exhausted without reform, benefits will necessarily be lowered with no effect on budget deficits.

  19. Social Security: a financial appraisal for the median voter.

    PubMed

    Galasso, V

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

  20. Financial forecasts accuracy in Brazil's social security system.

    PubMed

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

    2017-01-01

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

  1. Financial forecasts accuracy in Brazil’s social security system

    PubMed Central

    2017-01-01

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

  2. Financial Criteria Used in Case Adjudication by the Directorate for Industrial Security Clearance Review (DISCR)

    DTIC Science & Technology

    1991-12-01

    a crime if you don’t get caught." [Ref. 37:pp. 93-94; z . 26; Iand 39:p. 63] 33 Many models, theories, and generalizations about crime have been...CHRONOLOGY OF EVENTS IN SECURITY .................. 15 C. GENERAL WEAKNESSES INTHE CLEARANCE PROCESS ...... 19 D. MAJOR ISSUES IN CLEARANCE...existence of financial difficulties indicative of general immaturity and carelessness on the part of the applicant, the great majority of financial

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

    PubMed

    Reinstein, A; Bayou, M E

    1994-10-01

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

  4. Financial Management Regulation. Volume 15. Security Assistance Policy and Procedures

    DTIC Science & Technology

    1993-03-01

    Ports b. To Newfoundland, Labrador, Thule, Iceland, South 8.50 12.25 America (East and West Coasts), Far East, African ports (other than Mediterranean...Labrador, Thule, Iceland, South 9.50 13.25 America (East and West Coasts), Far East, African ports (other than Mediterranean), and Near East Note: At the...Newfoundland, Labrador, Thule, Iceland, South America, Far East, African Ports (other than Mediterranean) and Near East. 4Special factors such as security

  5. Medicare program; home health agencies; financial security requirements--HCFA. Proposed rule.

    PubMed

    1985-11-25

    These proposed regulations would implement sections 930(n) and (p) of the Omnibus Reconciliation Act of 1980 (Pub. L. 96-499). Section 930(n) authorizes the Secretary to require home health agencies (HHAs) participating in Medicare to meet conditions, including bonding or establishment of escrow accounts, to ensure the financial security of the Medicare trust fund. Section 930(p) excludes from Medicare reimbursement any costs incurred by an HHA in connection with bonding or establishing an escrow account. It also excludes interest payments made by an HHA that are charged on amounts borrowed to repay Medicare overpayments. The intent of these additional requirements is to assure the availability of funds to repay overpayments, and thereby ensure the financial security of the Medicare program.

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

    PubMed

    Söderholm, Anna; Söderberg, Anna; Nordin, Steven

    2011-08-01

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

  7. Defense Finance and Accounting Service Kansas City Federal Manager’s Financial Integrity Act, Federal Financial Management Improvement Act, and Federal Information Security Management Acting Reporting of FY 2005

    DTIC Science & Technology

    2008-02-19

    Finance and Accounting Service FFMIA Federal Financial Management Improvement Act FISMA Federal Information Security Management Act FMFIA Federal...Act ( FISMA ) reporting on its security program. DFAS Kansas City is responsible for reporting the United States Marine Corps financial statement data... Controls Reporting 11 C. FISMA Reporting 15 Appendixes A. Scope and Methodology 18 Prior Coverage 18 B. Report Distribution 20 Management Comments

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

    SciTech Connect

    Elbert, Stephen T.; Kalsi, Karanjit; Vlachopoulou, Maria; Rice, Mark J.; Glaesemann, Kurt R.; Zhou, Ning

    2012-07-26

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

  9. 26 CFR 1.582-1 - Bad debts, losses, and gains with respect to securities held by financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 7 2011-04-01 2009-04-01 true Bad debts, losses, and gains with respect to... § 1.582-1 Bad debts, losses, and gains with respect to securities held by financial institutions. (a) Bad debt deduction for banks. A bank, as defined in section 581, is allowed a deduction for bad...

  10. 26 CFR 1.582-1 - Bad debts, losses, and gains with respect to securities held by financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Bad debts, losses, and gains with respect to... § 1.582-1 Bad debts, losses, and gains with respect to securities held by financial institutions. (a) Bad debt deduction for banks. A bank, as defined in section 581, is allowed a deduction for bad...

  11. 26 CFR 1.582-1 - Bad debts, losses, and gains with respect to securities held by financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 7 2013-04-01 2013-04-01 false Bad debts, losses, and gains with respect to... § 1.582-1 Bad debts, losses, and gains with respect to securities held by financial institutions. (a) Bad debt deduction for banks. A bank, as defined in section 581, is allowed a deduction for bad debts...

  12. 26 CFR 1.582-1 - Bad debts, losses, and gains with respect to securities held by financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 7 2012-04-01 2012-04-01 false Bad debts, losses, and gains with respect to... § 1.582-1 Bad debts, losses, and gains with respect to securities held by financial institutions. (a) Bad debt deduction for banks. A bank, as defined in section 581, is allowed a deduction for bad debts...

  13. 26 CFR 1.582-1 - Bad debts, losses, and gains with respect to securities held by financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 7 2014-04-01 2013-04-01 true Bad debts, losses, and gains with respect to... § 1.582-1 Bad debts, losses, and gains with respect to securities held by financial institutions. (a) Bad debt deduction for banks. A bank, as defined in section 581, is allowed a deduction for bad debts...

  14. 17 CFR 403.5 - Custody of securities held by financial institutions that are government securities brokers or...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ....15c3-3(e)(1) of this title, the terms “free credit balances,” “other credit balances” and “credit... “security or “securities shall mean U.S. government securities; (iii) References to net capital shall be...

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

    ERIC Educational Resources Information Center

    Hungerford, Thomas L.

    2006-01-01

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

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

    ERIC Educational Resources Information Center

    Hungerford, Thomas L.

    2006-01-01

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

  17. 17 CFR 403.5 - Custody of securities held by financial institutions that are government securities brokers or...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... trading day. The is advised that, during any trading day that the securities are commingled with the... bid price plus accrued interest, obtained by any reasonable and consistent methodology. (ii) A person... action. Each appropriate regulatory agency should make and preserve for a period of not less than three...

  18. Financial Optimization of Electricity Security Assets at Military Installations: Including Case Studies of Dover Air Force Base, Fort Benning, and MCAGCC Twentynine Palms

    DTIC Science & Technology

    2014-01-01

    management control systems, battery storage, and microgrids are generally put into service to enhance electricity security and control, but their...electricity security assets and uses are deployed. This study began with current installation assets and uses (status quo) and modeled financial optimization...Security Assets Page 8 systems, advanced on-site conventional and renewable generation, battery storage, electric vehicle-to-grid, and microgrid

  19. Don't Let Disability Derail Long-Term Financial Security: Enhancing Retirement Security in a DC World.

    PubMed

    Rappaport, Anna M

    2016-01-01

    Long-term disability (LTD) protection, such as a defined contribution (DC) disability supplement, is critical for good long-term security in a DC environment. For those with a strong LTD program already in place, this challenge can be addressed by providing a DC disability benefit that replaces DC contributions during periods of LTD. If there is no LTD program, that is needed first. Appropriate disability coverage is vital if the DC system truly is to deliver long-term retirement security. This article discusses issues in achieving such coverage and provides ideas to help in developing programs. Few such programs exist today, but it is hoped that this article will encourage more employers to adopt them.

  20. 75 FR 7990 - Use of Community Development Loans by Community Financial Institutions To Secure Advances...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-02-23

    ... housing likely would qualify as eligible security for advances as mortgages or other real estate-related... affect the status of home equity loans as other real estate-related collateral eligible to secure... than real estate. In addition, any eligible community development loan would have to have a...

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

    ERIC Educational Resources Information Center

    Seganish, W. Michael

    2005-01-01

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

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

    ERIC Educational Resources Information Center

    Seganish, W. Michael

    2005-01-01

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

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

    EPA Pesticide Factsheets

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

  4. 14 CFR 298.38 - Financial security arrangements for operating Public Charters.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  5. 14 CFR 298.38 - Financial security arrangements for operating Public Charters.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

  6. 14 CFR 298.38 - Financial security arrangements for operating Public Charters.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  7. 14 CFR 298.38 - Financial security arrangements for operating Public Charters.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

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

    PubMed

    Nayor, David

    2012-01-01

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

  9. The effects of financial markets and social security on saving and fertility behaviour in Italy.

    PubMed

    Cigno, A; Rosati, F C

    1992-11-01

    "This paper outlines the relevant theory and presents some empirical evidence on the effects of capital market developments and social security coverage on fertility and saving behaviour in Italy.... The data examined appear to lend support to the hypothesis that saving and fertility are jointly determined. They also show that the availability and attractiveness of market-based or state-provided alternatives to the family as a provider of old-age support significantly and systematically affect the saving and reproductive decisions of individuals." The data cover the period 1931-1987.

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

    PubMed

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

    2015-11-01

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

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

    PubMed Central

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

    2015-01-01

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

  12. Promoting self-determination and financial security through innovative asset building approaches.

    PubMed

    Burke-Miller, Jane K; Swarbrick, Margaret A; Carter, Tina M; Jonikas, Jessica A; Zipple, Anthony M; Fraser, Virginia V; Cook, Judith A

    2010-01-01

    Studies indicate that asset development programs such as Individual Development Accounts (IDAs) can enhance the economic security of low-income populations; however, only a handful of asset development programs have been implemented specifically to serve people with psychiatric disabilities, and larger programs have not collected disability-specific information. The purpose of this article is to increase our knowledge about the use of IDAs to enhance self-determination and recovery for people with psychiatric disabilities. Background information about IDAs is presented followed by case studies of two IDA programs that serve people with psychiatric disabilities. The use of IDA programs in enhancing self-determination among people with psychiatric disabilities is discussed, along with barriers and future directions.

  13. Earnings and Financial Compensation from Social Security Systems Correlate Strongly with Disability for Multiple Sclerosis Patients.

    PubMed

    Kavaliunas, Andrius; Wiberg, Michael; Tinghög, Petter; Glaser, Anna; Gyllensten, Hanna; Alexanderson, Kristina; Hillert, Jan

    2015-01-01

    Multiple sclerosis (MS) patients earn lower incomes and receive higher benefits. However, there is limited knowledge of how this is correlated with their disability. To elucidate sources and levels of income among MS patients with different disability, assessed with the Expanded Disability Status Scale. A total of 7929 MS patients aged 21-64 years and living in Sweden in 2010 were identified for this cross-sectional study. Descriptive statistics, logistic and truncated linear regression models were used to estimate differences between MS patients regarding earnings, disability pension, sickness absence, disability allowance, unemployment compensation, and social assistance. The average level of earnings was ten times lower and the average level of health- related benefits was four times higher when comparing MS patients with severe and mild disability. MS patients with severe disability had on average SEK 166,931 less annual income from earnings and SEK 54,534 more income from benefits compared to those with mild disability. The combined average income for MS patients was 35% lower when comparing patients in the same groups. The adjusted risk ratio for having earnings among MS patients with severe disability compared to the patients with mild disability was 0.33 (95% CI 0.29-0.39), while the risk ratio for having benefits was 1.93 (95% CI 1.90-1.94). Disease progression affects the financial situation of MS patients considerably. Correlations between higher disability and patient income were observed, suggesting that earnings and benefits could be used as measures of MS progression and proxies of disability.

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

    ERIC Educational Resources Information Center

    Devane, Ben

    2009-01-01

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

  15. Security

    ERIC Educational Resources Information Center

    Technology & Learning, 2008

    2008-01-01

    Anytime, anywhere, learning provides opportunities to create digital learning environments for new teaching styles and personalized learning. As part of making sure the program is effective, the safety and security of students and assets are essential--and mandated by law. The Children's Internet Protection Act (CIPA) addresses Internet content…

  16. Security

    ERIC Educational Resources Information Center

    Technology & Learning, 2008

    2008-01-01

    Anytime, anywhere, learning provides opportunities to create digital learning environments for new teaching styles and personalized learning. As part of making sure the program is effective, the safety and security of students and assets are essential--and mandated by law. The Children's Internet Protection Act (CIPA) addresses Internet content…

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

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  18. 17 CFR 210.3-10 - Financial statements of guarantors and issuers of guaranteed securities registered or being...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... paragraphs can apply to a single issuer or guarantor. Paragraph (g) of this section is a special rule for... specify the filing of financial statements of the parent company, the financial statements of an entity... parent company. (3) Foreign private issuers. Where any provision of this section requires compliance with...

  19. 75 FR 13176 - Self-Regulatory Organizations; National Association of Securities Dealers, Inc. (n/k/a Financial...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-18

    ... Regulation of Securities, Business Law Section, American Bar Association (ABA), to Jonathan Katz, Secretary... Securities, Business Law Section, American Bar Association, to Jonathan Katz, Secretary, SEC, dated January 4... of the receipt of investment banking business would violate the spinning provision. Instead, FINRA...

  20. 17 CFR 404.4 - Records to be made and preserved by government securities brokers and dealers that are financial...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... national banks), 12 CFR part 208 (relating to state member banks of the Federal Reserve System) or 12 CFR part 344 (relating to state banks that are not members of the Federal Reserve System), or is a United... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Records to be made and...

  1. The Impact of Changing Financial Work Incentives on the Earnings of Social Security Disability Insurance (SSDI) Beneficiaries

    ERIC Educational Resources Information Center

    Weathers, Robert R., II; Hemmeter, Jeffrey

    2011-01-01

    SSDI beneficiaries lose their entire cash benefit if they perform work that is substantial gainful activity (SGA) after using Social Security work incentive programs. The complete loss of benefits might be a work disincentive for beneficiaries. We report results from a pilot project that replaces the complete loss of benefits with a gradual…

  2. The Impact of Changing Financial Work Incentives on the Earnings of Social Security Disability Insurance (SSDI) Beneficiaries

    ERIC Educational Resources Information Center

    Weathers, Robert R., II; Hemmeter, Jeffrey

    2011-01-01

    SSDI beneficiaries lose their entire cash benefit if they perform work that is substantial gainful activity (SGA) after using Social Security work incentive programs. The complete loss of benefits might be a work disincentive for beneficiaries. We report results from a pilot project that replaces the complete loss of benefits with a gradual…

  3. 24 CFR 320.10 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

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

    PubMed

    Craciun, Catrinel; Flick, Uwe

    2014-04-01

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

  5. 17 CFR 38.604 - Financial surveillance.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  6. 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:…

  7. 24 CFR 320.10 - Financial reporting.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Financial reporting. 320.10 Section...-BACKED SECURITIES Pass-Through Type Securities § 320.10 Financial reporting. Issuers shall submit to the Association audited annual financial statements within 90 days of their fiscal year end. All...

  8. 24 CFR 320.10 - Financial reporting.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Financial reporting. 320.10 Section...-BACKED SECURITIES Pass-Through Type Securities § 320.10 Financial reporting. Issuers shall submit to the Association audited annual financial statements within 90 days of their fiscal year end. All...

  9. 24 CFR 320.10 - Financial reporting.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Financial reporting. 320.10 Section...-BACKED SECURITIES Pass-Through Type Securities § 320.10 Financial reporting. Issuers shall submit to the Association audited annual financial statements within 90 days of their fiscal year end. All...

  10. 24 CFR 320.10 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  11. Security and Financial Empowerment Act

    THOMAS, 112th Congress

    Rep. Roybal-Allard, Lucille [D-CA-34

    2011-10-27

    House - 02/09/2012 Referred to the Subcommittee on Insurance, Housing and Community Opportunity. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  12. 17 CFR 38.604 - Financial surveillance.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  13. The Global Financial Crisis: Analysis and Policy Implications

    DTIC Science & Technology

    2009-07-10

    improve the financial regulatory system. The fourth phase of the process is dealing with political, social , and security effects of the financial...12 Dealing with Political, Social , and Security Effects...Congressional Research Service 15 Dealing with Political, Social , and Security Effects The fourth phase of the financial crisis is in dealing with

  14. The Global Financial Crisis: Analysis and Policy Implications

    DTIC Science & Technology

    2009-07-02

    improve the financial regulatory system. The fourth phase of the process is dealing with political, social , and security effects of the financial...12 Dealing with Political, Social , and Security Effects...Implications Congressional Research Service 15 Dealing with Political, Social , and Security Effects The fourth phase of the financial crisis is in

  15. 17 CFR 210.11-03 - Presentation of financial forecast.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Presentation of financial... FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES... forecast. (a) A financial forecast may be filed in lieu of the pro forma condensed statements of income...

  16. 17 CFR 210.11-03 - Presentation of financial forecast.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Presentation of financial forecast. 210.11-03 Section 210.11-03 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION... Information § 210.11-03 Presentation of financial forecast. (a) A financial forecast may be filed in lieu...

  17. 17 CFR 37.1302 - Types of financial resources.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 1 2014-04-01 2014-04-01 false Types of financial resources... EXECUTION FACILITIES Financial Resources § 37.1302 Types of financial resources. Financial resources... accounting principles; and (b) Any other financial resource deemed acceptable by the Commission....

  18. 17 CFR 210.3-17 - Financial statements of natural persons.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Financial statements of... COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES... AND CONSERVATION ACT OF 1975 General Instructions As to Financial Statements § 210.3-17 Financial...

  19. 17 CFR 210.3-11 - Financial statements of an inactive registrant.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Financial statements of an... COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES... Financial Statements § 210.3-11 Financial statements of an inactive registrant. If a registrant is an...

  20. 17 CFR 210.3-06 - Financial statements covering a period of nine to twelve months.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Financial statements covering... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... General Instructions As to Financial Statements § 210.3-06 Financial statements covering a period of nine...

  1. 17 CFR 210.3-17 - Financial statements of natural persons.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Financial statements of... COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES... AND CONSERVATION ACT OF 1975 General Instructions As to Financial Statements § 210.3-17 Financial...

  2. 17 CFR 210.3-11 - Financial statements of an inactive registrant.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Financial statements of an... COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES... AND CONSERVATION ACT OF 1975 General Instructions As to Financial Statements § 210.3-11 Financial...

  3. 17 CFR 210.3-17 - Financial statements of natural persons.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false Financial statements of... COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES... AND CONSERVATION ACT OF 1975 General Instructions As to Financial Statements § 210.3-17 Financial...

  4. 17 CFR 210.3-11 - Financial statements of an inactive registrant.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false Financial statements of an... COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES... AND CONSERVATION ACT OF 1975 General Instructions As to Financial Statements § 210.3-11 Financial...

  5. 17 CFR 210.3-11 - Financial statements of an inactive registrant.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Financial statements of an... COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES... AND CONSERVATION ACT OF 1975 General Instructions As to Financial Statements § 210.3-11 Financial...

  6. 17 CFR 210.3-05 - Financial statements of businesses acquired or to be acquired.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Financial statements of... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... Statements § 210.3-05 Financial statements of businesses acquired or to be acquired. (a) Financial statements...

  7. 17 CFR 210.6A-03 - Statements of financial condition.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Statements of financial... FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES..., Savings and Similar Plans § 210.6A-03 Statements of financial condition. Statements of financial...

  8. Financial Fraud and Child Abuse

    ERIC Educational Resources Information Center

    Little, Allison Dare

    2014-01-01

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

  9. Financial Fraud and Child Abuse

    ERIC Educational Resources Information Center

    Little, Allison Dare

    2014-01-01

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

  10. 17 CFR 49.25 - Financial resources.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  11. 17 CFR 39.11 - Financial resources.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  12. 17 CFR 49.25 - Financial resources.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  13. 17 CFR 49.25 - Financial resources.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  14. 17 CFR 39.11 - Financial resources.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  15. College Financial Management: Basics for Administrators.

    ERIC Educational Resources Information Center

    Carter, E. Eugene

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

  16. 44 CFR 300.3 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 44 Emergency Management and Assistance 1 2012-10-01 2011-10-01 true Financial assistance. 300.3... HOMELAND SECURITY PREPAREDNESS DISASTER PREPAREDNESS ASSISTANCE § 300.3 Financial assistance. (a) The... quarterly financial and performance reports to the Regional Administrator. Reporting shall be by...

  17. 6 CFR 17.430 - Financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 6 Domestic Security 1 2014-01-01 2014-01-01 false Financial assistance. 17.430 Section 17.430... OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 17.430 Financial assistance....

  18. 6 CFR 17.430 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 6 Domestic Security 1 2011-01-01 2011-01-01 false Financial assistance. 17.430 Section 17.430... OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 17.430 Financial assistance....

  19. 44 CFR 300.3 - Financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 44 Emergency Management and Assistance 1 2014-10-01 2014-10-01 false Financial assistance. 300.3... HOMELAND SECURITY PREPAREDNESS DISASTER PREPAREDNESS ASSISTANCE § 300.3 Financial assistance. (a) The... quarterly financial and performance reports to the Regional Administrator. Reporting shall be by...

  20. 6 CFR 17.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  1. 44 CFR 300.3 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Financial assistance. 300.3... HOMELAND SECURITY PREPAREDNESS DISASTER PREPAREDNESS ASSISTANCE § 300.3 Financial assistance. (a) The... quarterly financial and performance reports to the Regional Administrator. Reporting shall be by...

  2. 44 CFR 300.3 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 44 Emergency Management and Assistance 1 2011-10-01 2011-10-01 false Financial assistance. 300.3... HOMELAND SECURITY PREPAREDNESS DISASTER PREPAREDNESS ASSISTANCE § 300.3 Financial assistance. (a) The... quarterly financial and performance reports to the Regional Administrator. Reporting shall be by...

  3. 17 CFR 39.11 - Financial resources.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  4. 17 CFR 229.302 - (Item 302) Supplementary financial information.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  5. 17 CFR 230.417 - Date of financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  6. 17 CFR 230.417 - Date of financial statements.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Date of financial statements... RULES AND REGULATIONS, SECURITIES ACT OF 1933 General Requirements § 230.417 Date of financial statements. Whenever financial statements of any person are required to be furnished as of a date within a...

  7. 17 CFR 38.605 - Requirements for financial surveillance program.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  8. 17 CFR 38.605 - Requirements for financial surveillance program.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  9. 17 CFR 229.1010 - (Item 1010) Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... share data, statements of cash flows, and comprehensive income required to be included in the company's... statements. 229.1010 Section 229.1010 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION....1010 (Item 1010) Financial statements. (a) Financial information. Furnish the following financial...

  10. 17 CFR 210.8-08 - Age of financial statements.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  11. 17 CFR 210.8-08 - Age of financial statements.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  12. 17 CFR 210.8-08 - Age of financial statements.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  13. 17 CFR 210.8-08 - Age of financial statements.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  14. 17 CFR 210.8-08 - Age of financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Age of financial statements. 210.8-08 Section 210.8-08 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION FORM... Smaller Reporting Companies § 210.8-08 Age of financial statements. At the date of filing,...

  15. 75 FR 74766 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-01

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and..., Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange Commission... class of its securities, another waiver will not be granted. Notwithstanding the significant...

  16. 75 FR 17456 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-06

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving... January 21, 2010, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities...

  17. 17 CFR 250.28 - Inconsistent financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Inconsistent financial... Accounts § 250.28 Inconsistent financial statements. Except as otherwise authorized or required by the..., financial statements which are inconsistent with the book accounts of such company or financial statements...

  18. 33 CFR 138.80 - Financial responsibility, how established.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  19. 33 CFR 138.80 - Financial responsibility, how established.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

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

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

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

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

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

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

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  3. 17 CFR 229.301 - (Item 301) Selected financial data.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false (Item 301) Selected financial... ENERGY POLICY AND CONSERVATION ACT OF 1975-REGULATION S-K Financial Information § 229.301 (Item 301) Selected financial data. Furnish in comparative columnar form the selected financial data for...

  4. 10 CFR 605.18 - National security.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS THE OFFICE OF ENERGY RESEARCH FINANCIAL ASSISTANCE... the Office of Safeguards and Security for Headquarters awards, or from the cognizant field office Division of Safeguards and Security for awards obtained through DOE field organizations. Costs...

  5. 78 FR 17969 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-25

    ... Associate General Counsel, Securities Industry and Financial Markets Association to Elizabeth M. Murphy... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of..., 2013. On February 1, 2013, the Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with...

  6. 77 FR 55517 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving a...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-09-10

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving a.... Introduction On May 24, 2012, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the... General Counsel, Securities Industry and Financial Markets Association, dated June 26, 2012...

  7. 13 CFR 107.1450 - Optional redemption of Preferred Securities.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1450 Optional redemption of Preferred Securities. (a) Redemption at.... Participating Securities Leverage...

  8. 13 CFR 107.1450 - Optional redemption of Preferred Securities.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1450 Optional redemption of Preferred Securities. (a) Redemption at.... Participating Securities Leverage...

  9. 13 CFR 107.1450 - Optional redemption of Preferred Securities.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1450 Optional redemption of Preferred Securities. (a) Redemption at.... Participating Securities Leverage...

  10. 17 CFR 210.3-06 - Financial statements covering a period of nine to twelve months.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... to twelve months. Except with respect to registered investment companies, the filing of financial... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Financial statements covering... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES...

  11. 17 CFR 210.3-06 - Financial statements covering a period of nine to twelve months.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false Financial statements covering... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... Statements § 210.3-06 Financial statements covering a period of nine to twelve months. Except with respect to...

  12. 17 CFR 210.2-04 - Examination of financial statements of persons other than the registrant.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Examination of financial... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... Qualifications and Reports of Accountants § 210.2-04 Examination of financial statements of persons other than...

  13. 17 CFR 210.3-06 - Financial statements covering a period of nine to twelve months.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Financial statements covering... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... Statements § 210.3-06 Financial statements covering a period of nine to twelve months. Except with respect to...

  14. 17 CFR 210.3-06 - Financial statements covering a period of nine to twelve months.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Financial statements covering... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... Statements § 210.3-06 Financial statements covering a period of nine to twelve months. Except with respect to...

  15. 17 CFR 210.8-04 - Financial statements of businesses acquired or to be acquired.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Financial statements of... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... OF 1940, AND ENERGY POLICY AND CONSERVATION ACT OF 1975 Article 8 Financial Statements of Smaller...

  16. 17 CFR 210.2-04 - Examination of financial statements of persons other than the registrant.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Examination of financial... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... § 210.2-04 Examination of financial statements of persons other than the registrant. If a registrant is...

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

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Filing of other financial... EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933... Financial Statements § 210.3-13 Filing of other financial statements in certain cases. The Commission may...

  18. 17 CFR 230.170 - Prohibition of use of certain financial statements.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

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

  19. 17 CFR 210.12-04 - Condensed financial information of registrant.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Condensed financial... EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933... audited consolidated financial statements are required. The financial information required need not be...

  20. 25 CFR 101.13 - Security.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... AFFAIRS, DEPARTMENT OF THE INTERIOR FINANCIAL ACTIVITIES LOANS TO INDIANS FROM THE REVOLVING LOAN FUND § 101.13 Security. (a) United States direct loans shall be secured by such security as the Commissioner may require. A lack of security will not preclude the making of a loan if the proposed use of the...

  1. 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.

  2. 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

  3. 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…

  4. 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…

  5. 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.

  6. 17 CFR 210.3-05 - Financial statements of businesses acquired or to be acquired.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Financial statements of... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, PUBLIC UTILITY HOLDING COMPANY ACT OF 1935, INVESTMENT...

  7. 17 CFR 210.3-02 - Consolidated statements of income and changes in financial positions.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... income and changes in financial positions. 210.3-02 Section 210.3-02 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, PUBLIC UTILITY HOLDING COMPANY ACT OF 1935, INVESTMENT...

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

    ERIC Educational Resources Information Center

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

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

  9. 13 CFR 107.1585 - Exchange of Debentures for Participating Securities.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Participating Securities Leverage § 107.1585 Exchange of Debentures for Participating Securities. You may, in...

  10. 13 CFR 107.1585 - Exchange of Debentures for Participating Securities.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Participating Securities Leverage § 107.1585 Exchange of Debentures for Participating Securities. You may, in...

  11. 13 CFR 107.1585 - Exchange of Debentures for Participating Securities.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Participating Securities Leverage § 107.1585 Exchange of Debentures for Participating Securities. You may, in...

  12. 13 CFR 107.1585 - Exchange of Debentures for Participating Securities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Participating Securities Leverage § 107.1585 Exchange of Debentures for Participating Securities. You may, in...

  13. 13 CFR 107.1585 - Exchange of Debentures for Participating Securities.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Participating Securities Leverage § 107.1585 Exchange of Debentures for Participating Securities. You may, in...

  14. 36 CFR 6.10 - Financial assurance.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 36 Parks, Forests, and Public Property 1 2011-07-01 2011-07-01 false Financial assurance. 6.10... WASTE DISPOSAL SITES IN UNITS OF THE NATIONAL PARK SYSTEM § 6.10 Financial assurance. (a) The Regional... deposit or the market value of such securities must be at least equal to the required sum of the...

  15. Development of Financial Skills. Successful Living Skills.

    ERIC Educational Resources Information Center

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

    This module is designed to introduce students to the financial system and to ways of securing a positive financial position through proper budgeting, balancing, and spending of monies earned. The module also provides information on students' rights as consumers and how to protect themselves in the marketplace. This module is appropriate for all…

  16. Retirement Financial Planning Among Professional Workers.

    ERIC Educational Resources Information Center

    Kilty, Keith M.; Behling, John H.

    1986-01-01

    Examined extent and patterns of financial planning among a range of professionals. Found that respondents (N=457) placed their primary emphasis on pensions (including Social Security) and continued work-related income, although four types of pre-retirement financial planning were identified. The most consistent predictor of the extent of planning…

  17. Financial Opportunities

    SciTech Connect

    2012-01-19

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

  18. Security in dental office computing.

    PubMed

    Alsobrook, Stephen C

    2002-01-01

    Dental office computers are increasingly used to store critical financial and clinical data. That data is subject to loss or alteration from a number of possible sources. Secure communications, security of the computer system from outside attacks, and data backup are discussed.

  19. Mastering Mobile Security

    ERIC Educational Resources Information Center

    Panettieri, Joseph C.

    2007-01-01

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

  20. Mastering Mobile Security

    ERIC Educational Resources Information Center

    Panettieri, Joseph C.

    2007-01-01

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

  1. Statistical security for Social Security.

    PubMed

    Soneji, Samir; King, Gary

    2012-08-01

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

  2. 78 FR 51823 - Financial Responsibility Rules for Broker-Dealers

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-08-21

    ... August 21, 2013 Part II Securities and Exchange Commission 17 CFR Part 240 Financial Responsibility Rules... Responsibility Rules for Broker-Dealers AGENCY: Securities and Exchange Commission. ACTION: Final rule. SUMMARY... concern regarding the financial responsibility requirements for broker-dealers. The amendments also...

  3. 32 CFR 147.8 - Guideline F-Financial considerations.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...) Financial problems that are linked to gambling, drug abuse, alcoholism, or other issues of security concern... INFORMATION Adjudication § 147.8 Guideline F—Financial considerations. (a) The concern. An individual who is... raise a security concern and may be disqualifying include: (1) A history of not meeting...

  4. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... underlying assets, indices, or reference rates. The most common types of financial derivatives are futures, forward commitments, options, and swaps. A mortgage derivative security, such as a collateralized mortgage... Interest Rate Risk, Investment Securities, and Derivatives Activities,” and other applicable...

  5. 17 CFR 210.3-09 - Separate financial statements of subsidiaries not consolidated and 50 percent or less owned persons.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... exhibit the financial position, cash flows and results of operations of the combined or consolidated group... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Separate financial statements... FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, PUBLIC UTILITY...

  6. Alternative security

    SciTech Connect

    Weston, B.H. )

    1990-01-01

    This book contains the following chapters: The Military and Alternative Security: New Missions for Stable Conventional Security; Technology and Alternative Security: A Cherished Myth Expires; Law and Alternative Security: Toward a Just World Peace; Politics and Alternative Security: Toward a More Democratic, Therefore More Peaceful, World; Economics and Alternative Security: Toward a Peacekeeping International Economy; Psychology and Alternative Security: Needs, Perceptions, and Misperceptions; Religion and Alternative Security: A Prophetic Vision; and Toward Post-Nuclear Global Security: An Overview.

  7. 17 CFR 210.8-03 - Interim financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... presented in the annual financial statements that exceeds 20% of sales or gross revenues, provision for... accounting principles or practices. (Financial institutions should substitute net interest income for sales... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Interim financial...

  8. 28 CFR 17.42 - Positions requiring financial disclosure.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 28 Judicial Administration 1 2010-07-01 2010-07-01 false Positions requiring financial disclosure... financial disclosure. (a) The Assistant Attorney General for Administration, in consultation with the... Department Security Officer: (1) A financial disclosure form developed pursuant to section 1.3(c)...

  9. 17 CFR 37.1300 - Core Principle 13-Financial resources.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... resources. 37.1300 Section 37.1300 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION SWAP EXECUTION FACILITIES Financial Resources § 37.1300 Core Principle 13—Financial resources. (a) In general. The swap execution facility shall have adequate financial, operational, and managerial...

  10. 17 CFR 37.1305 - Liquidity of financial resources.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... resources. 37.1305 Section 37.1305 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION SWAP EXECUTION FACILITIES Financial Resources § 37.1305 Liquidity of financial resources. The financial resources allocated by the swap execution facility to meet the requirements of § 37.1301 shall...

  11. 39 CFR 3000.735-103 - Financial interests.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  12. 39 CFR 3000.735-103 - Financial interests.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  13. 75 FR 17794 - Medallion Financial Corp.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-07

    ... COMMISSION Medallion Financial Corp.; Notice of Application April 1, 2010. AGENCY: Securities and Exchange...: Applicant, Medallion Financial Corp. (the ``Company''), requests an order to permit it to issue restricted... financial interest in such transaction, plan, or arrangement and a majority of such directors or...

  14. 77 FR 38344 - Medallion Financial Corp.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-27

    ... COMMISSION Medallion Financial Corp.; Notice of Application June 21, 2012. AGENCY: Securities and Exchange... Financial Corp., requests an order approving a proposal to grant certain stock options to directors who are... Director Stock Option Plan and its 2006 Director Plan. (See Medallion Financial Corp., Investment...

  15. Homeland Security

    EPA Pesticide Factsheets

    Provides an overview of EPA's homeland security roles and responsibilities, and links to specific homeland security issues: water security, research, emergency response, recovery, and waste management.

  16. Security: Vandalism, Campus Security

    ERIC Educational Resources Information Center

    Nation's Schools and Colleges, 1975

    1975-01-01

    Police use a middle school at Lauderdale Lakes, Florida, as a nighttime headquarters. At several colleges and universities students are supplementing professional campus security departments. (Author/MLF)

  17. 75 FR 17205 - Securities Offering Disclosures

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-05

    ... Office of Thrift Supervision Securities Offering Disclosures AGENCY: Office of Thrift Supervision (OTS... of Proposal: Securities Offering Disclosures. OMB Number: 1550-0035. Form Numbers: SEC Forms S-1, S-3... Securities Offering regulation provides necessary information, including financial disclosure, to persons to...

  18. 10 CFR 605.18 - National security.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false National security. 605.18 Section 605.18 Energy DEPARTMENT... PROGRAM § 605.18 National security. Activities under ER's Financial Assistance Program shall not involve classified information (i.e., Restricted Data, formerly Restricted Data, National Security Information...

  19. 10 CFR 605.18 - National security.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 10 Energy 4 2013-01-01 2013-01-01 false National security. 605.18 Section 605.18 Energy DEPARTMENT... PROGRAM § 605.18 National security. Activities under ER's Financial Assistance Program shall not involve classified information (i.e., Restricted Data, formerly Restricted Data, National Security...

  20. 10 CFR 605.18 - National security.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 10 Energy 4 2014-01-01 2014-01-01 false National security. 605.18 Section 605.18 Energy DEPARTMENT... PROGRAM § 605.18 National security. Activities under ER's Financial Assistance Program shall not involve classified information (i.e., Restricted Data, formerly Restricted Data, National Security...

  1. FINANCIAL LITERACY, FINANCIAL EDUCATION AND ECONOMIC OUTCOMES

    PubMed Central

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

    2013-01-01

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

  2. 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.

  3. 17 CFR 210.3-17 - Financial statements of natural persons.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  4. 17 CFR 210.3-17 - Financial statements of natural persons.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  5. 17 CFR 210.3-13 - Filing of other financial statements in certain cases.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Filing of other financial... EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933... POLICY AND CONSERVATION ACT OF 1975 General Instructions As to Financial Statements § 210.3-13 Filing of...

  6. Security and Financial Empowerment (SAFE) Act

    THOMAS, 111th Congress

    Sen. Murray, Patty [D-WA

    2009-10-01

    Senate - 10/01/2009 Read twice and referred to the Committee on Health, Education, Labor, and Pensions. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  7. There's More to Retirement than Financial Security.

    ERIC Educational Resources Information Center

    Fetridge, Guild A.

    1990-01-01

    Since hobbies and recreational activities don't generate the intellectual satisfaction and adrenaline flow of a successful and challenging career, principals need to develop new midlife careers to replace some of the emotional supports that slip away after retirement. This article offers helpful advice on avoiding retirement pitfalls and pursuing…

  8. Foster Youth Financial Security Act of 2011

    THOMAS, 112th Congress

    Rep. Langevin, James R. [D-RI-2

    2011-09-15

    House - 09/26/2011 Referred for a period ending not later than September 26, 2011, (or for a later time if the Chairman so designates) to the Subcommittee on Human Resources, in each case for consideration of such provisions as fall within the jurisdiction of the subcommittee... (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  9. Foster Youth Financial Security Act of 2011

    THOMAS, 112th Congress

    Rep. Langevin, James R. [D-RI-2

    2011-09-15

    09/26/2011 Referred for a period ending not later than September 26, 2011, (or for a later time if the Chairman so designates) to the Subcommittee on Human Resources, in each case for consideration of such provisions as fall within the jurisdiction of the subcommittee concerned. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  10. Foster Youth Financial Security Act of 2011

    THOMAS, 112th Congress

    Rep. Langevin, James R. [D-RI-2

    2011-09-15

    09/26/2011 Referred for a period ending not later than September 26, 2011, (or for a later time if the Chairman so designates) to the Subcommittee on Human Resources, in each case for consideration of such provisions as fall within the jurisdiction of the subcommittee concerned. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  11. 17 CFR 210.3-11 - Financial statements of an inactive registrant.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Financial statements of an... COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, PUBLIC UTILITY HOLDING COMPANY ACT OF 1935, INVESTMENT COMPANY ACT OF 1940...

  12. 17 CFR 210.3-02 - Consolidated statements of income and changes in financial positions.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Consolidated statements of... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... Statements § 210.3-02 Consolidated statements of income and changes in financial positions. (a) There shall...

  13. A model on the financial panic

    NASA Astrophysics Data System (ADS)

    Kitamura, Toyoyuki

    2010-07-01

    The mechanism of the financial panic is clarified by the two band model in a simplified capitalist society from statistical mechanics. A financial panic occurs on an occasion of the supercooling process to avoid completing the financial (buy-sell) cycles under the circumstances: extremely high consumption causes enormous bubbles of buy-sell pairs of securities in financial markets, which form the configuration entropy (the Kauzmann entropy) and trigger a chain recession. As society cools down, the dynamical processes of financial panic are governed by universal features such as the Kauzmann entropy crisis and the drastic drop of the dynamical motions (the VTF law), which also cause further recession so that a chain recession occurs. And the financial markets eventually freeze.

  14. Financial Analysis

    NASA Astrophysics Data System (ADS)

    Haimovitch, Larry

    1988-09-01

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

  15. 12 CFR 223.32 - What rules apply to financial subsidiaries of a member bank?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... single financial subsidiary. The 10 percent quantitative limit contained in § 223.11 does not apply with... financial subsidiary. If a financial subsidiary is consolidated with its parent member bank under GAAP, the... equal to the carrying value of the securities on parent-only financial statements of the member bank...

  16. 12 CFR 223.32 - What rules apply to financial subsidiaries of a member bank?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... single financial subsidiary. The 10 percent quantitative limit contained in § 223.11 does not apply with... financial subsidiary. If a financial subsidiary is consolidated with its parent member bank under GAAP, the... equal to the carrying value of the securities on parent-only financial statements of the member bank...

  17. Security Evolution.

    ERIC Educational Resources Information Center

    De Patta, Joe

    2003-01-01

    Examines how to evaluate school security, begin making schools safe, secure schools without turning them into fortresses, and secure schools easily and affordably; the evolution of security systems into information technology systems; using schools' high-speed network lines; how one specific security system was developed; pros and cons of the…

  18. 75 FR 13632 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-22

    ... No. 1, To Adopt FINRA Rule 3160 (Networking Arrangements Between Members and Financial Institutions... (Networking Arrangements Between Members and Financial Institutions). The details of the proposed rule change... the terms of compensation (networking agreement); (2) segregate the securities activities conducted...

  19. 17 CFR 250.44 - Sales of securities and assets.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Sales of securities and assets... Various Financial Transactions 2 § 250.44 Sales of securities and assets. (a) Sales of utility securities or assets. No registered holding company shall, directly or indirectly, sell to any person any...

  20. 17 CFR 250.44 - Sales of securities and assets.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Sales of securities and assets... Various Financial Transactions 2 § 250.44 Sales of securities and assets. (a) Sales of utility securities or assets. No registered holding company shall, directly or indirectly, sell to any person any...

  1. Software Security Engineering: A Guide for Project Managers

    DTIC Science & Technology

    2013-05-01

    analysis, secure coding and code analysis, and risk-based security testing. 2. Network security mechanisms and IT infrastructure security services...operational issue. Attackers are crea- tive, ingenious , and increasingly motivated by financial gain. They have been learning how to exploit software

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

    ERIC Educational Resources Information Center

    McCarthy, John H.; Turner, Robert M.

    1998-01-01

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

  3. Financial literacy: Do people know the ABCs of finance?

    PubMed

    Lusardi, Annamaria

    2015-04-01

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

  4. 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.

  5. Financial audit

    SciTech Connect

    Not Available

    1992-01-01

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

  6. Linking XBRL Financial Data

    NASA Astrophysics Data System (ADS)

    García, Roberto; Gil, Rosa

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

  7. 33 CFR 135.403 - Sanctions for failure to produce vessel Certificates of Financial Responsibility.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  8. 33 CFR 135.403 - Sanctions for failure to produce vessel Certificates of Financial Responsibility.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  9. 33 CFR 135.403 - Sanctions for failure to produce vessel Certificates of Financial Responsibility.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  10. 33 CFR 135.401 - Access to vessel, Certificates of Financial Responsibility.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

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

  11. 33 CFR 135.401 - Access to vessel, Certificates of Financial Responsibility.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  12. 33 CFR 135.401 - Access to vessel, Certificates of Financial Responsibility.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  13. 33 CFR 135.401 - Access to vessel, Certificates of Financial Responsibility.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  14. 33 CFR 135.403 - Sanctions for failure to produce vessel Certificates of Financial Responsibility.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  15. 33 CFR 135.403 - Sanctions for failure to produce vessel Certificates of Financial Responsibility.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

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

  16. 33 CFR 135.401 - Access to vessel, Certificates of Financial Responsibility.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

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

  17. 31 CFR 561.403 - Facilitation of certain efforts, activities, or transactions by foreign financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF FOREIGN ASSETS CONTROL, DEPARTMENT..., financial instruments, securities, or any other transmission of value; purchasing; selling;...

  18. 31 CFR 1023.540 - Voluntary information sharing among financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  19. 78 FR 64566 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-29

    ... and Economic Factors, 8 questions; 2. Securities and Tax Regulation, 23 questions; 3. Marketing... customers' financial information, identifies investment objectives, provides information on investment...

  20. 48 CFR 832.202-4 - Security for Government financing.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... exposure to financial crisis, and credit arrangements. (d) A statement of the status of all State, local... 48 Federal Acquisition Regulations System 5 2014-10-01 2014-10-01 false Security for Government... for Government financing. An offeror's financial condition may be considered adequate security to...

  1. 7 CFR 1710.113 - Loan security.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... financial reports, annual reports, Security and Exchange Commission 10K reports if the system is required to... track record in related construction projects. (e) Additional controls on the borrower's financial, investment and managerial activities appear in the loan contract and mortgage required by RUS. ...

  2. Legitimacy and status groups in financial markets.

    PubMed

    Preda, Alex

    2005-09-01

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

  3. FINANCIAL LITERACY AROUND THE WORLD: AN OVERVIEW

    PubMed Central

    Lusardi, Annamaria; Mitchell, Olivia S.

    2017-01-01

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

  4. FINANCIAL LITERACY AROUND THE WORLD: AN OVERVIEW.

    PubMed

    Lusardi, Annamaria; Mitchell, Olivia S

    2011-10-01

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

  5. Financial Analysts and Personal Financial Advisors.

    ERIC Educational Resources Information Center

    Dillon, Hall

    2000-01-01

    Offers a job description for financial analysts and personal financial advisors. Includes information on the nature of the work; employment outlook; benefits and drawbacks, qualifications, training, and certification required; and lists related occupations. (JOW)

  6. 76 FR 21084 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-14

    ... Asset-Backed Securities April 8, 2011. I. Introduction On March 3, 2011, the Financial Industry... for the reporting of Asset-Backed Securities transactions to TRACE.\\3\\ The proposed rule change was... Rule 6700 Series to define Asset- Backed Securities as TRACE-Eligible Securities and to require members...

  7. 76 FR 51097 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-17

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE... Exchange-Listed Securities) August 11, 2011. Pursuant to Section 19(b)(1) of the Securities Exchange Act of..., Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange Commission...

  8. 17 CFR 240.17d-1 - Examination for compliance with applicable financial responsibility rules.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Examination for compliance with applicable financial responsibility rules. 240.17d-1 Section 240.17d-1 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION (CONTINUED) GENERAL RULES AND REGULATIONS, SECURITIES...

  9. 17 CFR 1.52 - Self-regulatory organization adoption and surveillance of minimum financial requirements.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 1 2011-04-01 2011-04-01 false Self-regulatory organization adoption and surveillance of minimum financial requirements. 1.52 Section 1.52 Commodity and Securities... registered with the Securities and Exchange Commission as securities brokers or dealers to file...

  10. 17 CFR 400.4 - Information concerning associated persons of financial institutions that are government...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Information concerning associated persons of financial institutions that are government securities brokers or dealers. 400.4 Section 400.4 Commodity and Securities Exchanges DEPARTMENT OF THE TREASURY REGULATIONS UNDER SECTION 15C OF THE SECURITIES EXCHANGE ACT OF 1934 RULES...

  11. Consumer Financial Protection Bureau

    MedlinePlus

    ... Research Conference CFPB Researchers Consumer Complaint Database Mortgage Database (HMDA) Consumer Credit Trends Credit Card Surveys & Agreements Financial Well-Being Survey Help advance financial well-being ...

  12. 17 CFR 210.3-09 - Separate financial statements of subsidiaries not consolidated and 50 percent or less owned persons.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Separate financial statements... FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, PUBLIC UTILITY HOLDING COMPANY ACT OF 1935, INVESTMENT COMPANY ACT OF 1940, INVESTMENT ADVISERS ACT OF 1940, AND ENERGY...

  13. 46 CFR 403.120 - Notes to financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  14. 46 CFR 403.300 - Financial reporting requirements.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 46 Shipping 8 2012-10-01 2012-10-01 false Financial reporting requirements. 403.300 Section 403.300 Shipping COAST GUARD (GREAT LAKES PILOTAGE), DEPARTMENT OF HOMELAND SECURITY GREAT LAKES PILOTAGE UNIFORM ACCOUNTING SYSTEM Reporting Requirements § 403.300 Financial reporting requirements. (a) General...

  15. 46 CFR 403.120 - Notes to financial statements.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 46 Shipping 8 2012-10-01 2012-10-01 false Notes to financial statements. 403.120 Section 403.120 Shipping COAST GUARD (GREAT LAKES PILOTAGE), DEPARTMENT OF HOMELAND SECURITY GREAT LAKES PILOTAGE UNIFORM ACCOUNTING SYSTEM General § 403.120 Notes to financial statements. (a) All matters that are not clearly...

  16. 17 CFR 37.1304 - Valuation of financial resources.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... resources. 37.1304 Section 37.1304 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION SWAP EXECUTION FACILITIES Financial Resources § 37.1304 Valuation of financial resources. No less than... resource used to meet its obligations under § 37.1301. Reductions in value to reflect market and...

  17. Financial Literacy Curriculum: The Effect on Offender Money Management Skills

    ERIC Educational Resources Information Center

    Koenig, Lori A.

    2007-01-01

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

  18. 75 FR 17847 - National Financial Literacy Month, 2010

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-08

    ... Literacy Month, 2010 By the President of the United States of America A Proclamation In recent years, our... National Financial Literacy Month, we recommit to teaching ourselves and our children about the basics of... future prosperity depends on the financial security of all Americans. This month, let us each take...

  19. 20 CFR 437.20 - Standards for financial management systems.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    .... 437.20 Section 437.20 Employees' Benefits SOCIAL SECURITY ADMINISTRATION UNIFORM ADMINISTRATIVE REQUIREMENTS FOR GRANTS AND COOPERATIVE AGREEMENTS TO STATE AND LOCAL GOVERNMENTS Post-Award Requirements Financial Administration § 437.20 Standards for financial management systems. (a) A State must expend...

  20. 20 CFR 437.20 - Standards for financial management systems.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    .... 437.20 Section 437.20 Employees' Benefits SOCIAL SECURITY ADMINISTRATION UNIFORM ADMINISTRATIVE REQUIREMENTS FOR GRANTS AND COOPERATIVE AGREEMENTS TO STATE AND LOCAL GOVERNMENTS Post-Award Requirements Financial Administration § 437.20 Standards for financial management systems. (a) A State must expend...

  1. Financial Literacy Curriculum: The Effect on Offender Money Management Skills

    ERIC Educational Resources Information Center

    Koenig, Lori A.

    2007-01-01

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

  2. 5 CFR 2635.403 - Prohibited financial interests.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... current or contingent ownership, equity, or security interest in real or personal property or a business... 5 Administrative Personnel 3 2013-01-01 2013-01-01 false Prohibited financial interests. 2635.403... ETHICAL CONDUCT FOR EMPLOYEES OF THE EXECUTIVE BRANCH Conflicting Financial Interests §...

  3. 46 CFR 403.300 - Financial reporting requirements.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 46 Shipping 8 2011-10-01 2011-10-01 false Financial reporting requirements. 403.300 Section 403.300 Shipping COAST GUARD (GREAT LAKES PILOTAGE), DEPARTMENT OF HOMELAND SECURITY GREAT LAKES PILOTAGE UNIFORM ACCOUNTING SYSTEM Reporting Requirements § 403.300 Financial reporting requirements. (a)...

  4. Financial Literacy at Minority-Serving Institutions

    ERIC Educational Resources Information Center

    Looney, Shannon M.

    2011-01-01

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

  5. The Financial Crisis in the Community College.

    ERIC Educational Resources Information Center

    Lombardi, John

    The author examines the financial crisis in community colleges on a national scale in this first paper in a projected long-range study of this crucial topic. Economic causes contributing to the crisis include inflation, rising enrollments, and such labor-intensive aspects as spiraling labor and security costs, and increasing demands for funds by…

  6. Information Security and Data Breach Notification Safeguards

    DTIC Science & Technology

    2007-07-31

    According to a June 2007 GAO report, there is no clear correlation between data security breaches and identity theft. The extent to which data breaches have...implement strong access control measures, monitor and test networks, and maintain an information security policy. Available at [https...public companies to ensure that they have implemented appropriate information security controls with respect to their financial information, is

  7. Security Locks

    ERIC Educational Resources Information Center

    Hart, Kevin

    2010-01-01

    According to a 2008 "Year in Review" report by Educational Security Incidents, an online repository that collects data on higher education security issues, the total number of security incidents reported at universities and colleges worldwide rose to 173 in 2008, a 24.5 percent increase over 2007. The number of institutions…

  8. Security Locks

    ERIC Educational Resources Information Center

    Hart, Kevin

    2010-01-01

    According to a 2008 "Year in Review" report by Educational Security Incidents, an online repository that collects data on higher education security issues, the total number of security incidents reported at universities and colleges worldwide rose to 173 in 2008, a 24.5 percent increase over 2007. The number of institutions…

  9. 17 CFR 31.7 - Maintenance of minimum financial, cover and segregation requirements by leverage transaction...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 1 2011-04-01 2011-04-01 false Maintenance of minimum financial, cover and segregation requirements by leverage transaction merchants. 31.7 Section 31.7 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION LEVERAGE TRANSACTIONS § 31.7 Maintenance of minimum financial, cover and...

  10. 17 CFR 31.7 - Maintenance of minimum financial, cover and segregation requirements by leverage transaction...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 1 2014-04-01 2014-04-01 false Maintenance of minimum financial, cover and segregation requirements by leverage transaction merchants. 31.7 Section 31.7 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION LEVERAGE TRANSACTIONS § 31.7 Maintenance of minimum financial, cover and...

  11. 17 CFR 31.7 - Maintenance of minimum financial, cover and segregation requirements by leverage transaction...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 1 2012-04-01 2012-04-01 false Maintenance of minimum financial, cover and segregation requirements by leverage transaction merchants. 31.7 Section 31.7 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION LEVERAGE TRANSACTIONS § 31.7 Maintenance of minimum financial, cover and...

  12. 17 CFR 31.7 - Maintenance of minimum financial, cover and segregation requirements by leverage transaction...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 1 2010-04-01 2010-04-01 false Maintenance of minimum financial, cover and segregation requirements by leverage transaction merchants. 31.7 Section 31.7 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION LEVERAGE TRANSACTIONS § 31.7 Maintenance of minimum financial, cover and...

  13. 17 CFR 31.7 - Maintenance of minimum financial, cover and segregation requirements by leverage transaction...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 1 2013-04-01 2013-04-01 false Maintenance of minimum financial, cover and segregation requirements by leverage transaction merchants. 31.7 Section 31.7 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION LEVERAGE TRANSACTIONS § 31.7 Maintenance of minimum financial, cover and...

  14. 17 CFR 210.3A-02 - Consolidated financial statements of the registrant and its subsidiaries.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Consolidated financial... Exchanges SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS... ACT OF 1940, AND ENERGY POLICY AND CONSERVATION ACT OF 1975 Consolidated and Combined...

  15. 77 FR 33522 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-06

    ... running prohibitions to cover trading in an option, derivative, or other financial instrument overlying a... to all related financial instruments (e.g., stock options and futures, options futures, other... types of securities other than options and security futures, FINRA intends to make clear that...

  16. 17 CFR 210.9-06 - Condensed financial information of registrant.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

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

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 1 2012-04-01 2012-04-01 false Self-regulatory organization adoption and surveillance of minimum financial requirements. 1.52 Section 1.52 Commodity and Securities... Miscellaneous § 1.52 Self-regulatory organization adoption and surveillance of minimum financial requirements...

  18. 78 FR 10655 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving a...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-14

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving a...) February 8, 2013. I. Introduction On December 20, 2012, Financial Industry Regulatory Authority, Inc... Equity Securities.\\5\\ FINRA may impose a ``Foreign Regulatory Halt'' when a foreign securities...

  19. 78 FR 41832 - Open Meeting of the Financial Research Advisory Committee

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-07-11

    ... Thursday, August 1, 2013 in the Hearing Room, Securities and Exchange Commission, 3 World Financial Center, New York, NY 10281, beginning at 9:45 a.m. Eastern Time. The meeting will be open to the public via... meeting will be held in the Hearing Room, Securities and Exchange Commission, 3 World Financial Center...

  20. 78 FR 32303 - Departmental Offices; Renewal of the Treasury Borrowing Advisory Committee of the Securities...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-29

    ... Financial Markets Association ACTION: Notice of renewal. SUMMARY: In accordance with the Federal Advisory... Securities Industry and Financial Markets Association (the ``Committee''). FOR FURTHER INFORMATION CONTACT...: The purpose of the Committee is to provide informed advice as representatives of the...

  1. The role of optics in secure credentials

    NASA Astrophysics Data System (ADS)

    Lichtenstein, Terri L.

    2006-02-01

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

  2. United States Postal Service Financial Relief Act of 2009

    THOMAS, 111th Congress

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

    2009-01-06

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

  3. The Global Financial Crisis: Analysis and Policy Implications

    DTIC Science & Technology

    2009-08-21

    stabilize the world economy, and reform and improve the financial regulatory system. The fourth phase of the process is dealing with political, social ...14 Dealing with Political, Social , and Security Effects ....................................................... 16 New...market regulation, see the “Policy” section of this report.) Dealing with Political, Social , and Security Effects60 The fourth phase of the

  4. United States Postal Service Financial Relief Act of 2009

    THOMAS, 111th Congress

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

    2009-01-06

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

  5. United States Postal Service Financial Relief Act of 2009

    THOMAS, 111th Congress

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

    2009-01-06

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

  6. 13 CFR 107.1500 - General description of Participating Securities.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Participating Securities Leverage § 107.1500 General description of Participating Securities. (a) Types of Participating... requirements for Leverage under § 107.1120, Participating Securities issuers must also comply with...

  7. 13 CFR 107.1500 - General description of Participating Securities.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Participating Securities Leverage § 107.1500 General description of Participating Securities. (a) Types of Participating... requirements for Leverage under § 107.1120, Participating Securities issuers must also comply with...

  8. 13 CFR 107.1500 - General description of Participating Securities.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Participating Securities Leverage § 107.1500 General description of Participating Securities. (a) Types of Participating... requirements for Leverage under § 107.1120, Participating Securities issuers must also comply with...

  9. 13 CFR 107.1500 - General description of Participating Securities.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Participating Securities Leverage § 107.1500 General description of Participating Securities. (a) Types of Participating... requirements for Leverage under § 107.1120, Participating Securities issuers must also comply with...

  10. Why information security belongs on the CFO's agenda.

    PubMed

    Quinnild, James; Fusile, Jeff; Smith, Cindy

    2006-02-01

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

  11. Secure Distributed Human Computation

    NASA Astrophysics Data System (ADS)

    Gentry, Craig; Ramzan, Zulfikar; Stubblebine, Stuart

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

  12. A Toy Model of Financial Markets

    NASA Astrophysics Data System (ADS)

    Singh, J. P.; Prabakaran, S.

    2006-06-01

    Several techniques of fundamental physics like quantum mechanics, field theory and related tools of non-commutative probability, gauge theory, path integral etc. are being applied for pricing of contemporary financial products and for explaining various phenomena of financial markets like stock price patterns, critical crashes etc.. In this paper, we apply the well entrenched methods of quantum mechanics and quantum field theory to the modeling of the financial markets and the behavior of stock prices. After defining the various constituents of the model including creation & annihilation operators and buying & selling operators for securities, we examine the time evolution of the financial markets and obtain the Hamiltonian for the trading activities of the market. We finally obtain the probability distribution of stock prices in terms of the propagators of the evolution equations.

  13. 75 FR 53362 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-08-31

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of..., Financial Industry Regulatory Authority, Inc. (``FINRA'') (f/k/a National Association of Securities Dealers... (June 30, 2009), 74 FR 32668 (July 8, 2009). \\2\\ See letter from Dale E. Brown, CAE, Financial...

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

    ERIC Educational Resources Information Center

    Friedman, Pamela

    2005-01-01

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

  15. 12 CFR 563d.210 - Form and content of financial statements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Form and content of financial statements. 563d... SECURITIES OF SAVINGS ASSOCIATIONS Regulations § 563d.210 Form and content of financial statements. The financial statements required to be contained in filings with the Office under the Act are as set out in the...

  16. 17 CFR 250.26 - Financial statement and recordkeeping requirements for registered holding companies and...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Financial statement and..., PUBLIC UTILITY HOLDING COMPANY ACT OF 1935 Forms, Procedure and Accounts § 250.26 Financial statement and... to form and content of financial statements; and (2) Shall make and keep current accounts, books and...

  17. 12 CFR 194.210 - Form and content of financial statements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Form and content of financial statements. 194... SECURITIES OF FEDERAL SAVINGS ASSOCIATIONS Regulations § 194.210 Form and content of financial statements. The financial statements required to be contained in filings with the OCC under the Act are as set out...

  18. 12 CFR 194.210 - Form and content of financial statements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Form and content of financial statements. 194... SECURITIES OF FEDERAL SAVINGS ASSOCIATIONS Regulations § 194.210 Form and content of financial statements. The financial statements required to be contained in filings with the OCC under the Act are as set out...

  19. 75 FR 9459 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-03-02

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of... hereby given that Financial Industry Regulatory Authority, Inc. (``FINRA'') (f/k/a National Association... National Association of Securities Dealers, Inc., the Financial Industry Regulatory Authority, Inc., or...

  20. 75 FR 58004 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-23

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of... is hereby given that on September 7, 2010, Financial Industry Regulatory Authority, Inc. (``FINRA... Securities Exchange, LLC, Financial Industry Regulatory Authority, Inc., The New York Stock Exchange,...

  1. 20 CFR 416.1247 - Exclusion of a dedicated account in a financial institution.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  2. Cryptographic Securities Exchanges

    NASA Astrophysics Data System (ADS)

    Thorpe, Christopher; Parkes, David C.

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

  3. Pension Plan Types and Financial Literacy in Later Life.

    PubMed

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

    2017-09-09

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

  4. Roadmap on optical security

    NASA Astrophysics Data System (ADS)

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

    2016-08-01

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

  5. 13 CFR 107.1410 - Requirement to redeem 4 percent Preferred Securities.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1410 Requirement to redeem 4 percent Preferred...

  6. 13 CFR 107.1420 - Articles requirements for 4 percent Preferred Securities.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1420 Articles requirements for 4 percent...

  7. 13 CFR 107.1420 - Articles requirements for 4 percent Preferred Securities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1420 Articles requirements for 4 percent...

  8. 13 CFR 107.1410 - Requirement to redeem 4 percent Preferred Securities.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1410 Requirement to redeem 4 percent Preferred...

  9. 13 CFR 107.1410 - Requirement to redeem 4 percent Preferred Securities.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1410 Requirement to redeem 4 percent Preferred...

  10. 13 CFR 107.1420 - Articles requirements for 4 percent Preferred Securities.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1420 Articles requirements for 4 percent...

  11. 13 CFR 107.1420 - Articles requirements for 4 percent Preferred Securities.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1420 Articles requirements for 4 percent...

  12. 13 CFR 107.1420 - Articles requirements for 4 percent Preferred Securities.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1420 Articles requirements for 4 percent...

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

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1410 Requirement to redeem 4 percent Preferred...

  14. 49 CFR 387.411 - Qualifications as a self-insurer and other securities or agreements.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... SAFETY REGULATIONS MINIMUM LEVELS OF FINANCIAL RESPONSIBILITY FOR MOTOR CARRIERS Surety Bonds and... will grant applications for approval of other securities and agreements if the public will be...

  15. 49 CFR 387.411 - Qualifications as a self-insurer and other securities or agreements.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... SAFETY REGULATIONS MINIMUM LEVELS OF FINANCIAL RESPONSIBILITY FOR MOTOR CARRIERS Surety Bonds and... will grant applications for approval of other securities and agreements if the public will be...

  16. Systems and methods for performing wireless financial transactions

    DOEpatents

    McCown, Steven Harvey [Rigby, ID

    2012-07-03

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

  17. 17 CFR 404.2 - Records to be made and kept current by registered government securities brokers and dealers...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Associated Person with a Foreign Financial Regulatory Authority. The registered government securities broker... language. For the purposes of this section, the term Foreign Financial Regulatory Authority shall have the... case of a government securities interdealer broker who is subject to the financial responsibility...

  18. 76 FR 11547 - Self-Regulatory Organizations; Municipal Securities Rulemaking Board; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-02

    ... municipal securities and municipal financial products, to remove impediments to and perfect the mechanism of... helping to perfect the mechanisms of a free and open market in municipal securities. The...

  19. 76 FR 66339 - Inaugural Roundtable of the Financial Reporting Series Entitled “Uncertainty in Financial...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-10-26

    ... Statements: How Much To Recognize and How Best To Communicate It'' AGENCY: Securities and Exchange Commission... uncertainty gives investors useful information and why it is preferable to a more certain measurement. 2. For..., if it is not disclosed in the financial statements, indicate its source. 4. What are the challenges...

  20. Financial Assistance Information

    MedlinePlus

    ... gov] Hill-Burton facilities provide care to uninsured Americans. To locate a Hill-Burton facility in your area call 900-638-0742. Top of page Financial Aid for Medical Treatments Information on financial aid ...

  1. Farm Financial Standards.

    PubMed

    McGrann, J M

    1995-07-01

    The Farm Financial Standards were developed by a national effort to encourage standardization. Standardization includes financial statement formats, terminology, and calculations for measuring financial position and format. Comparative analysis and education efforts are enhanced greatly by standardization. The Standardization Performance Analysis (SPA) system was developed on the basis of the performance standards for beef cattle and sheep enterprises. This article summarizes the Farm Financial Standards and illustrates the calculations with a worksheet.

  2. 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)

  3. 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…

  4. 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…

  5. 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…

  6. Physical Security

    SciTech Connect

    2008-01-01

    The future of physical security at government facilities and national laboratories is rapidly progressing beyond the cliché of gates, guns and guards, and is quickly being replaced by radars, sensors and cameras. Learn more about INL's security research at http://www.facebook.com/idahonationallaboratory.

  7. School Security.

    ERIC Educational Resources Information Center

    Bete, Tim, Ed.

    1998-01-01

    Presents the opinions of four security experts on the issue of guns in schools. The experts respond to the following questions: will schools ever be free of weapons; will card access systems become common in public schools; will metal detectors solve school security problems; and will students ever be issued bullet-proof vests along with…

  8. Social Security.

    ERIC Educational Resources Information Center

    Social and Labour Bulletin, 1983

    1983-01-01

    This group of articles discusses a variety of studies related to social security and retirement benefits. These studies are related to both developing and developed nations and are also concerned with studying work conditions and government role in administering a democratic social security system. (SSH)

  9. Information Security

    DTIC Science & Technology

    2002-04-01

    NOTES 2002 Command & Control Research & Technology Symposium 14. ABSTRACT 15. SUBJECT TERMS 16. SECURITY CLASSIFICATION OF: 17. LIMITATION OF...information security including this list of definitions. Definitions: * Confidentiality . Unintended recipients can’t read our traffic. Confidentiality ...attacks. * Traffic analysis. Ability to derive intelligence from the addresses of messages, even if the contents are confidentiality -protected

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

    ERIC Educational Resources Information Center

    Edwards, Gregory

    2011-01-01

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

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

    ERIC Educational Resources Information Center

    Edwards, Gregory

    2011-01-01

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

  12. 77 FR 5084 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-02-01

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE... Governing Clearly Erroneous Transactions January 26, 2012. Pursuant to Section 19(b)(1) of the Securities..., 2012, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange...

  13. 76 FR 32246 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-03

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE... Technical Changes to Certain FINRA Rules May 27, 2011. Pursuant to Section 19(b)(1) of the Securities..., 2011, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange...

  14. 17 CFR 204.55 - Change in notification to Financial Management Service.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Change in notification to Financial Management Service. 204.55 Section 204.55 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION RULES RELATING TO DEBT COLLECTION Tax Refund Offset § 204.55 Change in notification...

  15. 17 CFR 204.55 - Change in notification to Financial Management Service.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  16. 78 FR 79716 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc; Order Instituting...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-31

    ...-71180; File No. SR-FINRA-2013-039] Self-Regulatory Organizations; Financial Industry Regulatory...'' (or ``trust preferred'') securities--under these rules. Both classes are ``hybrid'' securities, in that each has debt- and equity- like features. According to FINRA, such hybrid securities...

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

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Change in notification to Financial Management Service. 204.55 Section 204.55 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION RULES RELATING TO DEBT COLLECTION Tax Refund Offset § 204.55 Change in notification to...

  18. 17 CFR 204.55 - Change in notification to Financial Management Service.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Change in notification to Financial Management Service. 204.55 Section 204.55 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION RULES RELATING TO DEBT COLLECTION Tax Refund Offset § 204.55 Change in notification to...

  19. 17 CFR 204.55 - Change in notification to Financial Management Service.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false Change in notification to Financial Management Service. 204.55 Section 204.55 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION RULES RELATING TO DEBT COLLECTION Tax Refund Offset § 204.55 Change in notification to...

  20. 17 CFR 244.100 - General rules regarding disclosure of non-GAAP financial measures.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false General rules regarding disclosure of non-GAAP financial measures. 244.100 Section 244.100 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION (CONTINUED) REGULATION G § 244.100 General rules regarding disclosure of...

  1. 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.

  2. Secure Objectives for School Security

    ERIC Educational Resources Information Center

    Dalton-Noblitt, April

    2012-01-01

    In a study conducted among more than 980 American four-year and two-year colleges and universities, including institutions such as the University of Michigan, MIT, UCLA and Columbia, security staff and other administrators identified the five leading goals for their security systems: (1) Preventing unauthorized people from entering their…

  3. Secure Objectives for School Security

    ERIC Educational Resources Information Center

    Dalton-Noblitt, April

    2012-01-01

    In a study conducted among more than 980 American four-year and two-year colleges and universities, including institutions such as the University of Michigan, MIT, UCLA and Columbia, security staff and other administrators identified the five leading goals for their security systems: (1) Preventing unauthorized people from entering their…

  4. Addressing the Economic Security Issues Facing Same-Sex Couples.

    ERIC Educational Resources Information Center

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

    1999-01-01

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

  5. Secure PVM

    SciTech Connect

    Dunigan, T.H.; Venugopal, N.

    1996-09-01

    This research investigates techniques for providing privacy, authentication, and data integrity to PVM (Parallel Virtual Machine). PVM is extended to provide secure message passing with no changes to the user`s PVM application, or, optionally, security can be provided on a message-by message basis. Diffe-Hellman is used for key distribution of a single session key for n-party communication. Keyed MD5 is used for message authentication, and the user may select from various secret-key encryption algorithms for message privacy. The modifications to PVM are described, and the performance of secure PVM is evaluated.

  6. Food and nutrition security.

    PubMed

    1997-01-01

    This article discusses the deficits in food security in India. It is recommended that India commit to nutrition security by direct actions. Programs should provide essential staples and a nutrient distribution system with affordable prices. India should adopt an Employment Guarantee Program. Creches should provide maternal-child health care, nutrition, literacy, and employment. Government must resolve the internal conflicts of interest between overlapping sectors. India should resolve the "dysfunction" between macroeconomic policies and anti-poverty strategies. Interventions should be people oriented, rely on social mobilization, and provide information and financial resources in a nonconflict context. Efforts will require the cooperation between the private sector, voluntary organizations, state agencies, and local self-governing decentralized agencies. There is a need to build capacity and viable institutions. Poverty agencies do not have access to the minimum required cereals for the poor. The Public Distribution System (PDS) does not guarantee a minimum quantity of foodstuffs per household regardless of income level. More high quality varieties of rice are produced due to higher prices in the marketplace. Most state governments do not provide staple cereals to the PDS at affordable prices. The government sets fair prices for sugar, but not cereal. The government sells more cereal in the open market than to PDS. PDS should target poor households; that is, the 29.9% who live below the poverty line. Lack of nutrition security is due to poverty that is enhanced by ignorance and the lack of health and nutrition education.

  7. Security Detail.

    ERIC Educational Resources Information Center

    Epstein, Marc A.

    2003-01-01

    Describes problems of maintaining discipline and security at Jamaica High School in Queens, New York. Argues that court decisions and school regulations have allowed minority of aggressive and disruptive students to destabilize the learning environment. (PKP)

  8. Security Detail.

    ERIC Educational Resources Information Center

    Epstein, Marc A.

    2003-01-01

    Describes problems of maintaining discipline and security at Jamaica High School in Queens, New York. Argues that court decisions and school regulations have allowed minority of aggressive and disruptive students to destabilize the learning environment. (PKP)

  9. Diagnosis security.

    PubMed

    Crumbley, James R

    2005-01-01

    How one hospital (designed with multiple entrances intended to ease traffic flow, rather than prevent unauthorized entry) assessed and improved its physical security and loss prevention programs while it upgraded its supply chain controls.

  10. Secure portal.

    SciTech Connect

    Nelson, Cynthia Lee

    2007-09-01

    There is a need in security systems to rapidly and accurately grant access of authorized personnel to a secure facility while denying access to unauthorized personnel. In many cases this role is filled by security personnel, which can be very costly. Systems that can perform this role autonomously without sacrificing accuracy or speed of throughput are very appealing. To address the issue of autonomous facility access through the use of technology, the idea of a ''secure portal'' is introduced. A secure portal is a defined zone where state-of-the-art technology can be implemented to grant secure area access or to allow special privileges for an individual. Biometric technologies are of interest because they are generally more difficult to defeat than technologies such as badge swipe and keypad entry. The biometric technologies selected for this concept were facial and gait recognition. They were chosen since they require less user cooperation than other biometrics such as fingerprint, iris, and hand geometry and because they have the most potential for flexibility in deployment. The secure portal concept could be implemented within the boundaries of an entry area to a facility. As a person is approaching a badge and/or PIN portal, face and gait information can be gathered and processed. The biometric information could be fused for verification against the information that is gathered from the badge. This paper discusses a facial recognition technology that was developed for the purposes of providing high verification probabilities with low false alarm rates, which would be required of an autonomous entry control system. In particular, a 3-D facial recognition approach using Fisher Linear Discriminant Analysis is described. Gait recognition technology, based on Hidden Markov Models has been explored, but those results are not included in this paper. Fusion approaches for combining the results of the biometrics would be the next step in realizing the secure portal

  11. 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.

  12. 13 CFR 107.1430 - Redeeming 4 percent Preferred Securities with proceeds of non-subsidized Debentures.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1430 Redeeming 4...

  13. 13 CFR 107.1430 - Redeeming 4 percent Preferred Securities with proceeds of non-subsidized Debentures.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1430 Redeeming 4...

  14. 13 CFR 107.1430 - Redeeming 4 percent Preferred Securities with proceeds of non-subsidized Debentures.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1430 Redeeming 4...

  15. 13 CFR 107.1430 - Redeeming 4 percent Preferred Securities with proceeds of non-subsidized Debentures.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1430 Redeeming 4...

  16. 13 CFR 107.1430 - Redeeming 4 percent Preferred Securities with proceeds of non-subsidized Debentures.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Preferred Securities Leverage-Section 301(d) Licensees § 107.1430 Redeeming 4...

  17. Financial planning. Budgeting.

    PubMed

    Warner, S

    1984-01-01

    A short-term financial plan (STFP) is like a road map--you are more likely to reach your destination (financial goals) with one than without. A STFP need not be a drudge; a well-designed plan must be so comprehensive so as to include personal freedom money and even small luxuries. Once started, it actually becomes rewarding and fun to see your financial goals coming to fruition.

  18. Financial coping strategies of mental health consumers: managing social benefits.

    PubMed

    Caplan, Mary Ager

    2014-05-01

    Mental health consumers depend on social benefits in the forms of supplemental security income and social security disability insurance for their livelihood. Although these programs pay meager benefits, little research has been undertaken into how this population makes ends meet. Using a qualitative approach, this study asks what are the financial coping strategies of mental health consumers? Seven approaches were identified: subsidies, cost-effective shopping, budgeting, prioritizing, technology, debt management, and saving money. Results illustrate the resourcefulness of mental health consumers in managing meager social benefits and highlight the need to strengthen community mental health efforts with financial capabilities education.

  19. Financial modeling: Rx for financial success.

    PubMed

    Marino, D

    2001-01-01

    In an era of managed care, cost cutting and finding ways to increase revenue are key goals in the survival of group practices. Many practices find that they have to boost their revenue by a certain amount (for example, 20-30% within the next three years) to maintain viability in the health care marketplace. Understanding how to generate that revenue and influence short-term and long-term financial outcomes is a far trickier process. This article details how practice administrators can influence a practice's bottom line through a three-step process: (1) identify the components of the practice's financial performance and drivers of performance results, (2) diagnose the practice's current financial situation, and (3) pinpoint benchmarks and targets for success.

  20. 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

  1. 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.

  2. Data security.

    PubMed

    2016-09-01

    A government-commissioned review of data security across health and care has led to the proposal of new standards for security and options for a consent/opt-out model. Standards include that all staff complete appropriate annual data security training and pass a mandatory test provided through the revised Information Governance Toolkit, that personal confidential data is only accessible to staff who need it for their current role, and that access is removed as soon as it is no longer required. The consent/opt-out model is outlined under 8 statements, and includes certain circumstances where it will not apply, for example, where there is an overriding public interest, or mandatory legal requirement.

  3. 48 CFR 832.202-4 - Security for Government financing.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

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

  4. 48 CFR 832.202-4 - Security for Government financing.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 48 Federal Acquisition Regulations System 5 2013-10-01 2013-10-01 false Security for Government... for Government financing. An offeror's financial condition may be considered adequate security to protect the Government's interest when the Government provides contract financing. In assessing...

  5. 13 CFR 107.1450 - Optional redemption of Preferred Securities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  6. 10 CFR 605.18 - National security.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 10 Energy 4 2012-01-01 2012-01-01 false National security. 605.18 Section 605.18 Energy DEPARTMENT OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS THE OFFICE OF ENERGY RESEARCH FINANCIAL ASSISTANCE...). However, if in the opinion of the recipient or DOE such involvement becomes expected prior to the...

  7. 12 CFR 1008.305 - Data security.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Data security. 1008.305 Section 1008.305 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION S.A.F.E. MORTGAGE LICENSING ACT-STATE COMPLIANCE AND BUREAU REGISTRATION SYSTEM (REGULATION H) Minimum Requirements for Administration of the NMLSR...

  8. 12 CFR 1008.305 - Data security.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Data security. 1008.305 Section 1008.305 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION S.A.F.E. MORTGAGE LICENSING ACT-STATE COMPLIANCE AND BUREAU REGISTRATION SYSTEM (REGULATION H) Minimum Requirements for Administration of the NMLSR...

  9. Financial Literacy and Retention

    ERIC Educational Resources Information Center

    Adams, Ruth L.

    2006-01-01

    Higher education administrators know it is more cost-effective to keep students than to recruit them. Understanding financial literacy--and how it impacts student retention and persistence on the campuses--is an important concept for administrators to comprehend. Most students are not financially literate when they enter the world of higher…

  10. 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

  11. Financial Literacy and Retention

    ERIC Educational Resources Information Center

    Adams, Ruth L.

    2006-01-01

    Higher education administrators know it is more cost-effective to keep students than to recruit them. Understanding financial literacy--and how it impacts student retention and persistence on the campuses--is an important concept for administrators to comprehend. Most students are not financially literate when they enter the world of higher…

  12. 77 FR 12635 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-03-01

    ... Order Processing Assistant Representatives, Research Analysts and Operations Professionals, respectively... to $95. Variable Contracts Representative. Series 7 General Securities From $265 to $290... Investment Company Products/ From $85 to $95. Variable Contracts Principal. Series 27 Financial...

  13. Security Systems Consideration: A Total Security Approach

    NASA Astrophysics Data System (ADS)

    Margariti, S. V.; Meletiou, G.; Stergiou, E.; Vasiliadis, D. C.; Rizos, G. E.

    2007-12-01

    The "safety" problem for protection systems is to determine in a given situation whether a subject can acquire a particular right to an object. Security and audit operation face the process of securing the application on computing and network environment; however, storage security has been somewhat overlooked due to other security solutions. This paper identifies issues for data security, threats and attacks, summarizes security concepts and relationships, and also describes storage security strategies. It concludes with recommended storage security plan for a total security solution.

  14. 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)

  15. 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)

  16. Valuable security features in a competitive banking environment: does security attract criminals instead of customers?

    NASA Astrophysics Data System (ADS)

    Brongers, J. D.

    1991-10-01

    This paper highlights the problems a Dutch bank has in choosing the security measures it takes for valuable documents. The various types of fraud for which the security measures are intended are dealt with. The magnitude of fraud and its subsequent effects are examined, leading to the conclusion that security is necessary for more than just financial reasons. Security procedures and measures that are possible elsewhere are examined. After that, the application of security possibilities to value documents will be elaborated on, particularly from the point of view of effectiveness and costs. It is assumed that security and science can serve the interests of the criminal and consequently, to some extent, harm the interests of the bank and its customers

  17. Food security vs. nutrition security.

    PubMed

    Venugopal, K R

    1999-01-01

    This article presents the status of food security versus nutrition security in India. Food security is defined as the availability and the access of food to all people; whereas nutrition security demands the intake of a wide range of foods which provides the essential needed nutrients. It is estimated that the average dietary intake in India is 2280 calories. In 9 major states, the average was less than 2400 calories, suggesting poverty. In a 1988-90 survey, only 10% of the children, and about 50% of the adults, were considered to have a normal nutritional status. The rest suffered from different levels of Chronic Energy Deficiency. In addition, contradictions have also developed within policies in India that seek to address these issues. Recognizing that agriculture is the key to poverty eradication, India recently drafted the Agriculture Policy. The Policy focuses on rain-fed farming, unemployment, and malnutrition in rural areas, revitalizing the cooperatives, and increasing the involvement of nongovernmental organizations. However, there are certain issues of concern in the Policy with the most damaging aspect seen in the promotion of existing inequalities in the rural sector.

  18. Persistence in financial markets

    NASA Astrophysics Data System (ADS)

    Jain, S.; Buckley, P.

    2006-03-01

    Persistence is studied in a financial context by mapping the time evolution of the values of the shares quoted on the London Financial Times Stock Exchange 100 index (FTSE 100) onto Ising spins. By following the time dependence of the spins, we find evidence for power law decay of the proportion of shares that remain either above or below their 'starting' values. As a result, we estimate a persistence exponent for the underlying financial market to be θf˜0.5.

  19. 75 FR 53998 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-02

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate Effectiveness of Proposed Rule Change To Amend the Security Futures Risk Disclosure Statement... Rule 19b-4 thereunder,\\2\\ notice is hereby given that on August 16, 2010, Financial Industry Regulatory...

  20. 17 CFR 229.308 - (Item 308) Internal control over financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false (Item 308) Internal control... § 229.308 (Item 308) Internal control over financial reporting. (a) Management's annual report on internal control over financial reporting. Provide a report of management on the registrant's...

  1. 17 CFR 229.308 - (Item 308) Internal control over financial reporting.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... registered public accounting firm's attestation report on the registrant's internal control over financial... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false (Item 308) Internal control... § 229.308 (Item 308) Internal control over financial reporting. (a) Management's annual report...

  2. 17 CFR 229.308T - (Item 308T) Internal control over financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false (Item 308T) Internal control... § 229.308T (Item 308T) Internal control over financial reporting. Note to Item 308T: This is a special... internal control over financial reporting. Provide a report of management on the registrant's...

  3. 17 CFR 229.308 - (Item 308) Internal control over financial reporting.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... registered public accounting firm's attestation report on the registrant's internal control over financial... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false (Item 308) Internal control... § 229.308 (Item 308) Internal control over financial reporting. (a) Management's annual report...

  4. 17 CFR 229.308 - (Item 308) Internal control over financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... registered public accounting firm's attestation report on the registrant's internal control over financial... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false (Item 308) Internal control... § 229.308 (Item 308) Internal control over financial reporting. (a) Management's annual report...

  5. 77 FR 27150 - Amendments to Financial Responsibility Rules for Broker-Dealers

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-09

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION 17 CFR Part 240 RIN 3235-AJ85 Amendments to Financial Responsibility Rules for Broker-Dealers... requirements for broker-dealers. They also would update the financial responsibility rules and make...

  6. 17 CFR 5.12 - Financial reports of retail foreign exchange dealers.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 1 2013-04-01 2013-04-01 false Financial reports of retail... COMMISSION OFF-EXCHANGE FOREIGN CURRENCY TRANSACTIONS § 5.12 Financial reports of retail foreign exchange dealers. (a)(1) Each person who files an application for registration as a retail foreign exchange dealer...

  7. 17 CFR 5.12 - Financial reports of retail foreign exchange dealers.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 1 2014-04-01 2014-04-01 false Financial reports of retail... COMMISSION OFF-EXCHANGE FOREIGN CURRENCY TRANSACTIONS § 5.12 Financial reports of retail foreign exchange dealers. (a)(1) Each person who files an application for registration as a retail foreign exchange dealer...

  8. 17 CFR 5.12 - Financial reports of retail foreign exchange dealers.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 1 2011-04-01 2011-04-01 false Financial reports of retail... COMMISSION OFF-EXCHANGE FOREIGN CURRENCY TRANSACTIONS § 5.12 Financial reports of retail foreign exchange dealers. (a)(1) Each person who files an application for registration as a retail foreign exchange dealer...

  9. 77 FR 76112 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-26

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and... Complete a Firm-Element Continuing Education Program To Qualify To Engage in a Security Futures Business... Rule 19b-4 thereunder,\\2\\ notice is hereby given that on December 12, 2012, Financial...

  10. 17 CFR 1.52 - Self-regulatory organization adoption and surveillance of minimum financial requirements.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... adoption and surveillance of minimum financial requirements. 1.52 Section 1.52 Commodity and Securities... Miscellaneous § 1.52 Self-regulatory organization adoption and surveillance of minimum financial requirements... training to all staff with responsibilities for the supervisory program. (2) Ongoing surveillance. A self...

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

    ERIC Educational Resources Information Center

    Harnisch, Thomas L.

    2010-01-01

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

  12. 75 FR 59300 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-27

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of... Rule 19b-4 thereunder,\\2\\ notice is hereby given that on September 17, 2010, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange Commission (``Commission'')...

  13. 75 FR 27606 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-17

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and... (``Act'') \\1\\ and Rule 19b-4 thereunder,\\2\\ notice is hereby given that on April 27, 2010, the Financial Industry Regulatory Authority, Inc. (``FINRA'') (f/k/a National Association of Securities Dealers,...

  14. 77 FR 4599 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-30

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of... Rule 19b-4 thereunder,\\2\\ notice is hereby given that on January 10, 2012, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange Commission (``SEC''...

  15. 77 FR 7218 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-02-10

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and... Rule 19b-4 thereunder,\\2\\ notice is hereby given that on January 30, 2012, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange Commission (``SEC''...

  16. 76 FR 77034 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-09

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and...''),\\1\\ and Rule 19b-4 thereunder,\\2\\ notice is hereby given that on December 2, 2011, the Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange...

  17. 76 FR 68240 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-03

    ...-2011-062] Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of... Rule 19b-4 thereunder,\\2\\ notice is hereby given that on October 20, 2011, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange Commission (``SEC''...

  18. 77 FR 1524 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-10

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving..., 2011, the Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and... effective date of the proposed rule change in a Regulatory Notice to be published no later than 60...

  19. 77 FR 5610 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-02-03

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and...\\ and Rule 19b-4 thereunder,\\2\\ notice is hereby given that on January 24, 2012, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange Commission (``Commission'')...

  20. 30 CFR 585.1012 - What financial assurance is required for an Alternate Use RUE?

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... Alternate Use RUE? 585.1012 Section 585.1012 Mineral Resources BUREAU OF OCEAN ENERGY MANAGEMENT, DEPARTMENT... Facilities Alternate Use Rue Administration § 585.1012 What financial assurance is required for an Alternate Use RUE? (a) The holder of an Alternate Use RUE will be required to secure financial assurances in...

  1. 30 CFR 585.1012 - What financial assurance is required for an Alternate Use RUE?

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... Alternate Use RUE? 585.1012 Section 585.1012 Mineral Resources BUREAU OF OCEAN ENERGY MANAGEMENT, DEPARTMENT... Facilities Alternate Use Rue Administration § 585.1012 What financial assurance is required for an Alternate Use RUE? (a) The holder of an Alternate Use RUE will be required to secure financial assurances in...

  2. 30 CFR 285.1012 - What financial assurance is required for an Alternate Use RUE?

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Alternate Use RUE? 285.1012 Section 285.1012 Mineral Resources MINERALS MANAGEMENT SERVICE, DEPARTMENT OF... Alternate Use Rue Administration § 285.1012 What financial assurance is required for an Alternate Use RUE? (a) The holder of an Alternate Use RUE will be required to secure financial assurances in an...

  3. 30 CFR 585.1012 - What financial assurance is required for an Alternate Use RUE?

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... Alternate Use RUE? 585.1012 Section 585.1012 Mineral Resources BUREAU OF OCEAN ENERGY MANAGEMENT, DEPARTMENT... Facilities Alternate Use Rue Administration § 585.1012 What financial assurance is required for an Alternate Use RUE? (a) The holder of an Alternate Use RUE will be required to secure financial assurances in...

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

    ERIC Educational Resources Information Center

    Harnisch, Thomas L.

    2010-01-01

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

  5. 17 CFR 210.2-05 - Examination of financial statements by more than one accountant.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  6. 17 CFR 210.2-05 - Examination of financial statements by more than one accountant.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  7. 77 FR 23770 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-20

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of... OTC Equity Securities) April 17, 2012. I. Introduction On October 6, 2011, Financial Industry...-4 thereunder,\\2\\ a proposed rule change to amend FINRA Rule 6433 (Minimum Quotation...

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

    ERIC Educational Resources Information Center

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

    2011-01-01

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

  9. Financial Regulatory Reform: Consumer Financial Protection Proposals

    DTIC Science & Technology

    2010-05-26

    decisions subject to judicial review.40 Any generally applicable state consumer law would apply to national banks and thrifts unless it discriminates...provided by existing powers that the bill would transfer from another regulator to the CFPA or an enumerated consumer law , such as the Truth in Lending Act...against them (presumably to the benefit of state-chartered financial institutions) or conflicts with the Act.41 Additionally, any state consumer

  10. 78 FR 26545 - Consumer Financial Civil Penalty Fund

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-07

    ... account numbers or Social Security numbers, should not be included. Comments will not be edited to remove... classes of victims and, as appropriate, to consumer education and financial literacy programs every six... seeks comment on the procedures for allocating funds to classes of victims, i.e., to groups of similarly...

  11. 32 CFR 147.8 - Guideline F-Financial considerations.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... obligations; (2) Deceptive or illegal financial practices such as embezzlement, employee theft, check fraud, income tax evasion, expense account fraud, filing deceptive loan statements, and other intentional.... (c) Conditions that could mitigate security concerns include: (1) The behavior was not recent; (2)...

  12. 32 CFR 147.8 - Guideline F-Financial considerations.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... obligations; (2) Deceptive or illegal financial practices such as embezzlement, employee theft, check fraud, income tax evasion, expense account fraud, filing deceptive loan statements, and other intentional.... (c) Conditions that could mitigate security concerns include: (1) The behavior was not recent; (2)...

  13. Financial Improvement and Audit Readiness (FIAR) Plan Status Report

    DTIC Science & Technology

    2011-05-01

    Federal Information Systems Controls Audit Manual ( FISCAM ) and Federal Information Security Management Act (FISMA) requirements. The review addresses...Controls Audit Manual ( FISCAM ) audit of the Automated Funds Management system that supports Budget Authority and Funds Distribution audit readiness...System Controls Audit Manual ( FISCAM ) guidance, focusing on controls with impact on the financial statements; and  Performance of the annual OMB

  14. School Financial Elections. Research Action Brief Number 1.

    ERIC Educational Resources Information Center

    ERIC Clearinghouse on Educational Management, Eugene, OR.

    This brief examines the major findings of researchers who have investigated the behavior of voters in school financial elections and then suggests appropriate action school administrators can take to make the most of the challenge they face in securing voter approval of funds to operate the schools. Among the factors influencing voter behavior are…

  15. 5 CFR 4101.103 - Prohibited financial interests.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... publicly available investment fund which, in its prospectus, does not indicate the objective or practice of concentrating its investments in the securities of System institutions or related entities, and the employee neither exercises control over nor has the ability to exercise control over the financial interests held...

  16. 5 CFR 4101.103 - Prohibited financial interests.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... publicly available investment fund which, in its prospectus, does not indicate the objective or practice of concentrating its investments in the securities of System institutions or related entities, and the employee neither exercises control over nor has the ability to exercise control over the financial interests held...

  17. Security seal

    DOEpatents

    Gobeli, Garth W.

    1985-01-01

    Security for a package or verifying seal in plastic material is provided by a print seal with unique thermally produced imprints in the plastic. If tampering is attempted, the material is irreparably damaged and thus detectable. The pattern of the imprints, similar to "fingerprints" are recorded as a positive identification for the seal, and corresponding recordings made to allow comparison. The integrity of the seal is proved by the comparison of imprint identification records made by laser beam projection.

  18. Image Security

    DTIC Science & Technology

    2007-11-02

    popularity, contemplates the cru- cial needs for protecting intellectual property rights on multimedia content like images, video, audio , and oth- ers...protection for still images, audio , video, and multimedia products.’ The networking environment of the future will require tools that provide m secure and fast...technique known as steganography ? Steganography , or “covered writing,” George Voyatzis and Ioannis Pitas University of Thessaloniki has a long

  19. Security system

    DOEpatents

    Baumann, Mark J.; Kuca, Michal; Aragon, Mona L.

    2016-02-02

    A security system includes a structure having a structural surface. The structure is sized to contain an asset therein and configured to provide a forceful breaching delay. The structure has an opening formed therein to permit predetermined access to the asset contained within the structure. The structure includes intrusion detection features within or associated with the structure that are activated in response to at least a partial breach of the structure.

  20. 13 CFR 107.550 - Prior approval of secured third-party debt of leveraged Licensees.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Securities. (b) General rule. If you have outstanding Leverage, you must get SBA's written approval before.... If you have outstanding Leverage and you have a secured line of credit that was created on or before... your historical performance, current financial position, proposed terms of the secured debt and...

  1. 13 CFR 107.550 - Prior approval of secured third-party debt of leveraged Licensees.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Securities. (b) General rule. If you have outstanding Leverage, you must get SBA's written approval before.... If you have outstanding Leverage and you have a secured line of credit that was created on or before... your historical performance, current financial position, proposed terms of the secured debt and...

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

    ERIC Educational Resources Information Center

    Ozawa, Martha N.

    1984-01-01

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

  3. Project financial evaluation

    SciTech Connect

    None, None

    2009-01-18

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

  4. 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,…

  5. Chaotic Financial Tornadoes

    NASA Astrophysics Data System (ADS)

    Jakimowicz, Aleksander

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

  6. Financial loss and suicide.

    PubMed

    Pridmore, Saxby; Reddy, Anil

    2012-04-01

    The current Western psychiatric wisdom states that suicide is always or almost always associated with mental disorder. Careful Asian studies are casting doubt on this conclusion. Using information from the public record (newspapers, coroner's reports, and various web-based sources), we sought evidence that, in the absence of mental disorder, suicide may be associated with major financial loss. Reports of 15 individuals who completed suicide following major financial loss were identified, thus an association between these events is supported.

  7. Interactions between Financial and Environmental Networks in OECD Countries

    PubMed Central

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

    2015-01-01

    We analysed a multiplex of financial and environmental networks between OECD countries from 2002 to 2010. Foreign direct investments and portfolio investment showing the flows in equity securities, short-term, long-term and total debt, these securities represent the financial layers; emissions of NOx, PM10, SO2, CO2 equivalent and the water footprint associated with international trade represent the environmental layers. We present a new measure of cross-layer correlations between flows in different layers based on reciprocity. For the assessment of results, we implement a null model for this measure based on the exponential random graph theory. We find that short-term financial flows are more correlated with environmental flows than long-term investments. Moreover, the correlations between reverse financial and environmental flows (i.e. the flows of different layers going in opposite directions) are generally stronger than correlations between synergic flows (flows going in the same direction). This suggests a trade-off between financial and environmental layers, where, more financialised countries display higher correlations between outgoing financial flows and incoming environmental flows than from lower financialised countries. Five countries are identified as hubs in this finance-environment multiplex: The United States, France, Germany, Belgium-Luxembourg and United Kingdom. PMID:26375393

  8. Interactions between Financial and Environmental Networks in OECD Countries.

    PubMed

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

    2015-01-01

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

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

    ERIC Educational Resources Information Center

    Brock, Linda

    2012-01-01

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

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

    ERIC Educational Resources Information Center

    Brock, Linda

    2012-01-01

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

  11. 17 CFR 210.3-12 - Age of financial statements at effective date of registration statement or at mailing date of...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... effective date of registration statement or at mailing date of proxy statement. 210.3-12 Section 210.3-12... FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE ACT OF 1934, PUBLIC UTILITY... financial statements at effective date of registration statement or at mailing date of proxy statement. (a...

  12. Survey of holographic security systems

    NASA Astrophysics Data System (ADS)

    Kontnik, Lewis T.; Lancaster, Ian M.

    1990-04-01

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

  13. Ideas towards sustainable water security

    NASA Astrophysics Data System (ADS)

    Dalin, Carole

    2016-04-01

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

  14. Nuclear security

    SciTech Connect

    Dingell, J.D.

    1991-02-01

    The Department of Energy's (DOE) Lawrence Livermore National Laboratory, located in Livermore, California, generates and controls large numbers of classified documents associated with the research and testing of nuclear weapons. Concern has been raised about the potential for espionage at the laboratory and the national security implications of classified documents being stolen. This paper determines the extent of missing classified documents at the laboratory and assesses the adequacy of accountability over classified documents in the laboratory's custody. Audit coverage was limited to the approximately 600,000 secret documents in the laboratory's custody. The adequacy of DOE's oversight of the laboratory's secret document control program was also assessed.

  15. 17 CFR 210.8-04 - Financial statements of businesses acquired or to be acquired.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... any periods they are under common control or management. A group of businesses is deemed to be related if: (i) They are under common control or management; (ii) The acquisition of one business...

  16. 78 FR 33142 - Lanbo Financial Group, Inc.; Order of Suspension of Trading

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-03

    ... COMMISSION Lanbo Financial Group, Inc.; Order of Suspension of Trading May 30, 2013. It appears to the... of investors require a suspension of trading in the securities of the above-listed company. Therefore, it is ordered, pursuant to Section 12(k) of the Securities Exchange Act of 1934, that trading in...

  17. 77 FR 26796 - Order of Suspension of Trading; Airtrax, Inc., Amedia Networks, Inc., American Business Financial...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-07

    ... COMMISSION Order of Suspension of Trading; Airtrax, Inc., Amedia Networks, Inc., American Business Financial Services, Inc., Appalachian Bancshares, Inc., and Ariel Way, Inc. May 3, 2012. It appears to the Securities... information concerning the securities of Amedia Networks, Inc. because it has not filed any periodic...

  18. 17 CFR 1.67 - Notification of final disciplinary action involving financial harm to a customer.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 1 2010-04-01 2010-04-01 false Notification of final disciplinary action involving financial harm to a customer. 1.67 Section 1.67 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION GENERAL REGULATIONS UNDER THE COMMODITY EXCHANGE ACT...

  19. 31 CFR 1023.610 - Due diligence programs for correspondent accounts for foreign financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  20. 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

  1. National security

    SciTech Connect

    Not Available

    1992-04-01

    This paper summarizes the views presented on October 31, 1991, at a GAO-sponsored conference on worldwide threats to U.S. national security. The conference was designed to provide insight into potential military threats to U.S. security interests and necessary modifications to current and planned U.S. forces to meet those threats. Conference participants, including defense analysts and retired military officers, discussed and analyzed the possibility of U.S. and allied involvement in various regional contingencies in Europe and the Soviet Union, Eat Asia and the Pacific, and the Near East and South Asia. Topics ranged from the possibility of nuclear war to a general discussion of low-intensity conflict. To serve as a starting point for discussion, we asked several of the participants to provide papers representing a wide range of views. The participants agreed that for many years the Soviet/Warsaw Pact threat to Europe shaped U.S. force planning but that the Soviet union no longer posed a conventional threat. Nuclear weapons held by the former Soviet republics and other nations, however, remain a concern. There was no agreement of the methodology for sizing U.S. forces. Some argued for sizing based on specific threats; other argued for flexibility to meet any and all contingencies and cited the Gulf War as a example.

  2. Financial hardship and obesity.

    PubMed

    Averett, Susan L; Smith, Julie K

    2014-12-01

    There is a substantial correlation between household debt and health. Individuals with less healthy lifestyles are more likely to hold debt, yet there is little evidence as to whether this is merely a correlation or if financial hardship actually causes obesity. In this paper, we use data from the National Longitudinal Survey of Adolescent Health to test whether financial hardship affects body weight. We divide our sample into two groups: men and women, explore two different types of financial hardship: holding credit card debt and having trouble paying bills, and three outcomes: overweight, obese and body mass index (BMI). We use a variety of econometric techniques: Ordinary Least Squares, Propensity Score Matching, Sibling Fixed Effects, and Instrumental Variables to investigate the relationship that exists between financial hardship and body weight. In addition, we conduct several robustness checks. Although our OLS and PSM results indicate a correlation between financial hardship and body weight these results appear to be largely driven by unobservables. Our IV results suggest that there is no causal relationship between credit card debt and overweight or obesity for either men or women. However, we find suggestive evidence that having trouble paying bills may be a cause of obesity for women. Copyright © 2014 Elsevier B.V. All rights reserved.

  3. The new world of retirement income security in America.

    PubMed

    Quinn, Joseph F; Cahill, Kevin E

    2016-01-01

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

  4. The story of the social security number.

    PubMed

    Puckett, Carolyn

    2009-01-01

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

  5. National Security Technology Incubation Project Continuation Plan

    SciTech Connect

    2008-09-30

    This document contains a project continuation plan for the National Security Technology Incubator (NSTI). The plan was developed as part of the National Security Preparedness Project (NSPP) funded by a Department of Energy (DOE)/National Nuclear Security Administration (NNSA) grant. This continuation plan describes the current status of NSTI (staffing and clients), long-term goals, strategies, and long-term financial solvency goals.The Arrowhead Center of New Mexico State University (NMSU) is the operator and manager of the NSTI. To realize the NSTI, Arrowhead Center must meet several performance objectives related to planning, development, execution, evaluation, and sustainability. This continuation plan is critical to the success of NSTI in its mission of incubating businesses with security technology products and services.

  6. Vector financial rogue waves

    NASA Astrophysics Data System (ADS)

    Yan, Zhenya

    2011-11-01

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

  7. Correlates of financial satisfaction.

    PubMed

    Hsieh, C M

    2001-01-01

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

  8. Persistence and financial markets

    NASA Astrophysics Data System (ADS)

    Jain, S.

    2007-09-01

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

  9. Financial Loss and Suicide

    PubMed Central

    Saxby, Pridmore; Anil, Reddy

    2012-01-01

    The current Western psychiatric wisdom states that suicide is always or almost always associated with mental disorder. Careful Asian studies are casting doubt on this conclusion. Using information from the public record (newspapers, coroner’s reports, and various web-based sources), we sought evidence that, in the absence of mental disorder, suicide may be associated with major financial loss. Reports of 15 individuals who completed suicide following major financial loss were identified, thus an association between these events is supported. PMID:22973140

  10. Security for grids

    SciTech Connect

    Humphrey, Marty; Thompson, Mary R.; Jackson, Keith R.

    2005-08-14

    Securing a Grid environment presents a distinctive set of challenges. This paper groups the activities that need to be secured into four categories: naming and authentication; secure communication; trust, policy, and authorization; and enforcement of access control. It examines the current state of the art in securing these processes and introduces new technologies that promise to meet the security requirements of Grids more completely.

  11. 49 CFR 1542.201 - Security of the secured area.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... SECURITY ADMINISTRATION, DEPARTMENT OF HOMELAND SECURITY CIVIL AVIATION SECURITY AIRPORT SECURITY.... (4) Subject each individual to employment history verification as described in § 1542.209 before...

  12. 49 CFR 1542.201 - Security of the secured area.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... SECURITY ADMINISTRATION, DEPARTMENT OF HOMELAND SECURITY CIVIL AVIATION SECURITY AIRPORT SECURITY.... (4) Subject each individual to employment history verification as described in § 1542.209 before...

  13. 49 CFR 1542.201 - Security of the secured area.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... SECURITY ADMINISTRATION, DEPARTMENT OF HOMELAND SECURITY CIVIL AVIATION SECURITY AIRPORT SECURITY.... (4) Subject each individual to employment history verification as described in § 1542.209 before...

  14. 49 CFR 1542.201 - Security of the secured area.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... SECURITY ADMINISTRATION, DEPARTMENT OF HOMELAND SECURITY CIVIL AVIATION SECURITY AIRPORT SECURITY.... (4) Subject each individual to employment history verification as described in § 1542.209 before...

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

    PubMed

    Wolper, L F

    1999-01-01

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

  16. Teaching about Financial Markets.

    ERIC Educational Resources Information Center

    Banaszak, Ronald A.

    1992-01-01

    Discusses teaching about the financial market as it relates to family finances, savings, and business. Explains ways of making these relationships clear to students through diagrams, activities, games, and role playing. Suggests questions to focus on that highlight the relationship between the rate of return and the risks involved. (DK)

  17. Issue of Financial Capability

    ERIC Educational Resources Information Center

    Hasek, Roman; Petraskova, Vladimira

    2010-01-01

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

  18. Financial Disclosure Laws.

    ERIC Educational Resources Information Center

    Merz, Carol

    1983-01-01

    A study of school board presidents and superintendents in Washington, Missouri, and New Jersey reveals that strict financial disclosure laws tend to reduce the number of professionals on boards; however, board members with professional occupations differ from other board members on a number of measures. (MLF)

  19. Comprehensive Financial Development.

    ERIC Educational Resources Information Center

    Frantzreb, Arthur C.

    1981-01-01

    Private sector support sources to colleges, it is suggested, deserve full disclosure of financial gift plans and needs as well as donor gift opportunities to stimulate confidence in management. At the beginning of each fiscal year, it is appropriate to send each constituent a descriptive explanation of how the institution is financed. (MLW)

  20. Financial Analysis of HRD.

    ERIC Educational Resources Information Center

    1995

    These five papers are from a symposium facilitated by Ronald L. Jacobs on financial analysis of human resource development (HRD) at the 1995 Academy of Human Resource Development conference. "Return on Investment--Beyond the Four Levels!" (Jack J. Phillips) offers a modification of the Kirkpatrick model of evaluation for HRD in…

  1. Financial Management Assistant.

    ERIC Educational Resources Information Center

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

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

  2. Comprehensive Financial Development.

    ERIC Educational Resources Information Center

    Frantzreb, Arthur C.

    1981-01-01

    Private sector support sources to colleges, it is suggested, deserve full disclosure of financial gift plans and needs as well as donor gift opportunities to stimulate confidence in management. At the beginning of each fiscal year, it is appropriate to send each constituent a descriptive explanation of how the institution is financed. (MLW)

  3. Financial Disclosure Laws.

    ERIC Educational Resources Information Center

    Merz, Carol

    1983-01-01

    A study of school board presidents and superintendents in Washington, Missouri, and New Jersey reveals that strict financial disclosure laws tend to reduce the number of professionals on boards; however, board members with professional occupations differ from other board members on a number of measures. (MLF)

  4. Issue of Financial Capability

    ERIC Educational Resources Information Center

    Hasek, Roman; Petraskova, Vladimira

    2010-01-01

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

  5. EERE Financial Opportunities

    SciTech Connect

    2012-04-19

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

  6. Financial Management Assistant.

    ERIC Educational Resources Information Center

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

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

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

    DTIC Science & Technology

    1991-03-01

    identified four financial attributes that form the focus of anal- ysis applicable to agencywide financial data . These attributes are: (1) operating costs, (2... applicable to the agencywide data . We should point out, however, that financial and statistical data avail- able in an agency’s financial statements are...be prepared following the application of our ana- Avail and I or lytic framework. This description and analysis serves to illustrate the Ds Special

  8. 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…

  9. 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).…

  10. 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…

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

    ERIC Educational Resources Information Center

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

    2013-01-01

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

  12. 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.

  13. INDIPAY Financial Data Request Forms

    EPA Pesticide Factsheets

    The INDIPAY financial data request form requires the individual to provide financial information to support its claim of inability to pay the civil penalty. Both an English and Spanish version are provided.

  14. Financial Management: An Organic Approach

    ERIC Educational Resources Information Center

    Laux, Judy

    2013-01-01

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

  15. Financial Literacy Education for Women

    ERIC Educational Resources Information Center

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

    2014-01-01

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

  16. Financial Literacy Education for Women

    ERIC Educational Resources Information Center

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

    2014-01-01

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

  17. 26 CFR 301.7101-1 - Form of bond and security required.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... a State or political subdivision thereof, of recognized stability; or (vi) Secured by any other... responsible financial institution acting as escrow agent. (3) Conditions to be met by individual sureties. If...

  18. Security guide for subcontractors

    SciTech Connect

    Adams, R.C.

    1991-01-01

    This security guide of the Department of Energy covers contractor and subcontractor access to DOE and Mound facilities. The topics of the security guide include responsibilities, physical barriers, personnel identification system, personnel and vehicular access controls, classified document control, protecting classified matter in use, storing classified matter repository combinations, violations, security education clearance terminations, security infractions, classified information nondisclosure agreement, personnel security clearances, visitor control, travel to communist-controlled or sensitive countries, shipment security, and surreptitious listening devices.

  19. "Financial Bubbles" and Monetary Policy

    ERIC Educational Resources Information Center

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

    2016-01-01

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

  20. Strategic Planning and Financial Management

    ERIC Educational Resources Information Center

    Conneely, James F.

    2010-01-01

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

  1. Director of Financial Aid Handbook.

    ERIC Educational Resources Information Center

    Sorenson, Lynn D.

    Although many independent schools are seeing a diversification in their student bodies, existing structures, such as financial aid awards, have not been modified. In addition, many financial-aid managers in independent schools have 0-5 years of experience in student financial aid. This handbook profiles the overall step-by-step process for…

  2. Strategic Planning and Financial Management

    ERIC Educational Resources Information Center

    Conneely, James F.

    2010-01-01

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

  3. Financial Education Can Change Behavior.

    ERIC Educational Resources Information Center

    Varcoe, Karen P.; Wright, Joan

    1991-01-01

    Interviews with 190 participants in Money Sense--a financial management education program based on the "master volunteer" approach--showed that the program taught them food shopping and money management skills and helped save money on food costs. Most experienced fewer financial problems and perceived their financial status as improved.…

  4. 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.

  5. 76 FR 23859 - Financial Management Service Proposed Collection of Information; Financial Institution Agreement...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-28

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

  6. Redefining security.

    PubMed

    Mathews, J T

    1989-01-01

    The concept of US national security was redefined in the 1970s to include international economics, and lately environmental degradation has also become a factor, as pollution transcends boundaries. By 2100 another 5-6 billion people may be added to the world's population requiring dramatic production and technology transformation with the resultant expanded energy use, emissions, and waste impacting the ecosystem. Climate change through global warming is in the offing. The exponential growth of the population in the developing world poses a crucial challenge for food production, housing, and employment. At a 1% growth rate population doubles in 72 years, while at 3% it doubles in 24 years. Africa's growth rate is almost 3%, it is close to 2% in Latin America, and it is somewhat less in Asia. Renewable resources such as overfished fishing grounds can become nonrenewable, and vanished species can never be resurrected. Deforestation leads to soil erosion, damage to water resources through floods and silting of irrigation networks, and accelerated loss of species. 20% of species could disappear by 2000 thereby losing genetic resources for chemicals, drugs, and food sources. Overcultivation has caused major erosion and decline of agricultural productivity in Haiti, Guatemala, Turkey, and India. Lopsided land ownership in Latin America requires land reform for sustainable agricultural production in the face of the majority of people cultivating plots for bare subsistence. Human practices that have caused environmental damage include concessions granted to logging companies in the Philippines, mismanagement of natural resources in sub-Saharan Africa, the ozone hole, and the greenhouse effect with potential climate changes. Solutions include family planning, efficient energy use, sustainable agroforestry techniques, and environmental accounting of goods and services.

  7. 17 CFR 229.303 - (Item 303) Management's discussion and analysis of financial condition and results of operations.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false (Item 303) Management's discussion and analysis of financial condition and results of operations. 229.303 Section 229.303 Commodity... 1975-REGULATION S-K Financial Information § 229.303 (Item 303) Management's discussion and analysis of...

  8. 17 CFR Appendix B to Part 1 - Fees for Contract Market Rule Enforcement Reviews and Financial Reviews

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... to Part 1—Fees for Contract Market Rule Enforcement Reviews and Financial Reviews (a) Within 60 days... costs in conducting contract market rule enforcement reviews and financial reviews. (b) The Commission... 17 Commodity and Securities Exchanges 1 2011-04-01 2011-04-01 false Fees for Contract Market...

  9. 17 CFR Appendix B to Part 1 - Fees for Contract Market Rule Enforcement Reviews and Financial Reviews

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... to Part 1—Fees for Contract Market Rule Enforcement Reviews and Financial Reviews (a) Within 60 days... costs in conducting contract market rule enforcement reviews and financial reviews. (b) The Commission... 17 Commodity and Securities Exchanges 1 2010-04-01 2010-04-01 false Fees for Contract Market...

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

    ERIC Educational Resources Information Center

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

    2010-01-01

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

  11. 17 CFR 31.28 - Self-regulatory organization adoption and surveillance of minimum financial, cover, segregation...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... TRANSACTIONS § 31.28 Self-regulatory organization adoption and surveillance of minimum financial, cover... 17 Commodity and Securities Exchanges 1 2010-04-01 2010-04-01 false Self-regulatory organization adoption and surveillance of minimum financial, cover, segregation and sales practice requirements....

  12. 17 CFR 275.206(4)-4 - Financial and disciplinary information that investment advisers must disclose to clients.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... ADVISERS ACT OF 1940 § 275.206(4)-4 Financial and disciplinary information that investment advisers must... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Financial and disciplinary information that investment advisers must disclose to clients. 275.206(4)-4 Section 275.206(4)-4 Commodity and...

  13. 20 CFR 402.110 - Exemptions eight and nine for withholding records: Records on financial institutions; records on...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... records: Records on financial institutions; records on wells. 402.110 Section 402.110 Employees' Benefits SOCIAL SECURITY ADMINISTRATION AVAILABILITY OF INFORMATION AND RECORDS TO THE PUBLIC § 402.110 Exemptions eight and nine for withholding records: Records on financial institutions; records on wells....

  14. 20 CFR 402.110 - Exemptions eight and nine for withholding records: Records on financial institutions; records on...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... records: Records on financial institutions; records on wells. 402.110 Section 402.110 Employees' Benefits SOCIAL SECURITY ADMINISTRATION AVAILABILITY OF INFORMATION AND RECORDS TO THE PUBLIC § 402.110 Exemptions eight and nine for withholding records: Records on financial institutions; records on wells....

  15. 20 CFR 402.110 - Exemptions eight and nine for withholding records: Records on financial institutions; records on...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... records: Records on financial institutions; records on wells. 402.110 Section 402.110 Employees' Benefits SOCIAL SECURITY ADMINISTRATION AVAILABILITY OF INFORMATION AND RECORDS TO THE PUBLIC § 402.110 Exemptions eight and nine for withholding records: Records on financial institutions; records on wells....

  16. 20 CFR 402.110 - Exemptions eight and nine for withholding records: Records on financial institutions; records on...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... records: Records on financial institutions; records on wells. 402.110 Section 402.110 Employees' Benefits SOCIAL SECURITY ADMINISTRATION AVAILABILITY OF INFORMATION AND RECORDS TO THE PUBLIC § 402.110 Exemptions eight and nine for withholding records: Records on financial institutions; records on wells....

  17. Security guide for subcontractors

    SciTech Connect

    Adams, R.C.

    1993-06-01

    This guide is provided to aid in the achievement of security objectives in the Department of Energy (DOE) contractor/subcontractor program. The objectives of security are to protect information that, if released, would endanger the common defense and security of the nation and to safeguard plants and installations of the DOE and its contractors to prevent the interruption of research and production programs. The security objective and means of achieving the objective are described. Specific security measures discussed in this guide include physical barriers, personnel identification systems, personnel and vehicular access control, classified document control, protection of classified matter in use, storing classified matter, and repository combinations. Means of dealing with security violations and security infractions are described. Maintenance of a security education program is discussed. Also discussed are methods of handling clearance terminations, visitor control, travel to sensitive countries, and shipment security. The Technical Surveillance Countermeasures Program (TSCM), the Computer Security Program, and the Operations Security Plan (OPSEC) are examined.

  18. Cross-border Portfolio Investment Networks and Indicators for Financial Crises

    PubMed Central

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

    2014-01-01

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

  19. Cross-border Portfolio Investment Networks and Indicators for Financial Crises

    NASA Astrophysics Data System (ADS)

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

    2014-02-01

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

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

    PubMed

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

    2014-02-10

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