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Sample records for security financial

  1. 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),…

  2. 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.

  3. 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...

  4. 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...

  5. Does Financial Literacy Contribute to Food Security?

    PubMed Central

    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. PMID:26949563

  6. 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... Information Security Request Form. DATES: Comments must be received in writing on or before July 23, 2010 to... INFORMATION: Title: Financial Information Security Request Form. OMB Number: 0596-0204. Expiration Date...

  7. Financial security for women -- Fem Consult congress.

    PubMed

    1996-01-01

    The nongovernmental organization "Fem Consult," which seeks to strengthen the socioeconomic position of women by applying a gender perspective to programs and projects in developing countries, celebrated its 10th anniversary in 1996 by holding a conference in the Netherlands on financial security for women in the developing world. During the conference, the President of the WWF (Working Women's Forum) described her agency's 17 years of experience in lending to impoverished rural and urban women in India. By extending microcredit assistance through a network of cooperatives, the WWF has been the catalyst for lasting improvements in the economic and social status of impoverished women. Representatives of the Grameen Bank, Women's World Banking, the Ecumenical Development Cooperative Society, and other organizations also addressed the conference.

  8. 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... encouraged to call ahead to (703) 605-4803 to facilitate entry to the building. FOR FURTHER...

  9. 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…

  10. 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.

  11. 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…

  12. 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…

  13. 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

    ... Advances; Secured Lending by Federal Home Loan Banks to Members and Their Affiliates; Transfer of Advances...) amended the Federal Home Loan Bank Act (Bank Act) to expand the types of eligible collateral that community financial institution (CFI) members may pledge to secure Federal Home Loan Bank (Bank) advances...

  14. 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. PMID:11252449

  15. Paving the Road to Financial Security: The Direct Service Model.

    ERIC Educational Resources Information Center

    Wilderman, Robert; Mezzelo, James W.

    1984-01-01

    Presents an overview of Tazwood Center, the different fee systems attempted, and a description and evaluaton of the direct service model. Impending financial cutbacks motivated this center to implement a direct service model of operation in 1980. Results showed dramatic increases in client fee income in less than two years. (BH)

  16. 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

  17. 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

    ... 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...

  18. 12 CFR 615.5560 - Book-entry Procedure for Farm Credit System Financial Assistance Corporation Securities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Book-entry Procedure for Farm Credit System Financial Assistance Corporation Securities. 615.5560 Section 615.5560 Banks and Banking FARM CREDIT... OPERATIONS Farm Credit System Financial Assistance Corporation Securities § 615.5560 Book-entry Procedure...

  19. 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

    ... 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... (excluding amounts related to its investment in its consolidated subsidiaries) is less than 3% of...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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…

  6. 17 CFR 403.5 - Custody of securities held by financial institutions that are government securities brokers or...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... balances” shall not include any funds placed in deposits or accounts enumerated at 12 CFR 204.2. (4) For... this section shall not include any deposits or accounts enumerated at 12 CFR 204.2; (ii) References to... dealer, and government securities that are the subject of a repurchase agreement between the...

  7. 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

    ... customers' securities. Item 2 shall not include bank loans to customers in the ordinary course... agency of a foreign bank shall keep on deposit with an insured bank (as that term is defined in 12 U.S.C... balances” shall not include any funds placed in deposits or accounts enumerated at 12 CFR 204.2. (4)...

  8. 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. PMID:27491140

  9. 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…

  10. 17 CFR 401.4 - Exemption for financial institutions engaged in limited government securities dealer activities.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ...; (2) The sale and subsequent repurchase and the purchase and subsequent resale of government securities pursuant to a repurchase or reverse repurchase agreement; and (3) Such other activities as have...) Section 403.5(d) of this chapter concerning certain repurchase transactions with customers. (2) A...

  11. 17 CFR 401.4 - Exemption for financial institutions engaged in limited government securities dealer activities.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ...; (2) The sale and subsequent repurchase and the purchase and subsequent resale of government securities pursuant to a repurchase or reverse repurchase agreement; and (3) Such other activities as have...) Section 403.5(d) of this chapter concerning certain repurchase transactions with customers. (2) A...

  12. 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.

  13. 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

    ...) of this section states the requirements for preparing the condensed consolidating financial..., in a footnote, condensed consolidating financial information for the same periods with a separate... amounts. Notes to paragraph (c). 1. Instead of the condensed consolidating financial information...

  14. 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

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

    PubMed Central

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

    2015-01-01

    Background Multiple sclerosis (MS) patients earn lower incomes and receive higher benefits. However, there is limited knowledge of how this is correlated with their disability. Objective To elucidate sources and levels of income among MS patients with different disability, assessed with the Expanded Disability Status Scale. Methods 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. Results 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). Conclusions 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. PMID:26695832

  16. Social Security Disability Insurance May Reduce Benefits by 2016: Population at Financial Risk from Reductions.

    PubMed

    Siordia, Carlos

    2016-10-01

    In the United States, 10.9 million people are receiving Social Security Disability Insurance (SSDI) benefits with an average pay of $12,000 per year. If the U.S. House of Congress fails to enact a new bill by the end of fiscal-year 2016, SSDI benefits are estimated to be reduced by $2,300 per-person per year. In the pass, the U.S. Congress has always found a way to enact new bills capable of maintains benefits at existing levels. The specific aim of this project was to report the number of people potentially at risk for experiencing an economic impact if SSDI benefits are reduced. The cross-sectional analysis used data from the American Community Survey, 2009-2013 Public Use Microdata Sample file. Characteristics on a total of 153,627 actual survey participants were used to generalize findings to 2,748,735 residents of the United States. Results indicate non-Hispanic Whites, the Pacific and South Atlantic geographic divisions are at the largest risk for being affected by changes to SSDI benefits.

  17. Social Security Disability Insurance May Reduce Benefits by 2016: Population at Financial Risk from Reductions.

    PubMed

    Siordia, Carlos

    2016-10-01

    In the United States, 10.9 million people are receiving Social Security Disability Insurance (SSDI) benefits with an average pay of $12,000 per year. If the U.S. House of Congress fails to enact a new bill by the end of fiscal-year 2016, SSDI benefits are estimated to be reduced by $2,300 per-person per year. In the pass, the U.S. Congress has always found a way to enact new bills capable of maintains benefits at existing levels. The specific aim of this project was to report the number of people potentially at risk for experiencing an economic impact if SSDI benefits are reduced. The cross-sectional analysis used data from the American Community Survey, 2009-2013 Public Use Microdata Sample file. Characteristics on a total of 153,627 actual survey participants were used to generalize findings to 2,748,735 residents of the United States. Results indicate non-Hispanic Whites, the Pacific and South Atlantic geographic divisions are at the largest risk for being affected by changes to SSDI benefits. PMID:27232192

  18. "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…

  19. 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…

  20. 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

    ... preparing the condensed consolidating financial information required by paragraphs (c), (d), (e) and (f) of... the periods specified by §§ 210.3-01 and 210.3-02 and include, in a footnote, condensed consolidating... adjustments; and (v) The total consolidated amounts. Notes to paragraph (c). 1. Instead of the...

  1. 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

    ... preparing the condensed consolidating financial information required by paragraphs (c), (d), (e) and (f) of... the periods specified by §§ 210.3-01 and 210.3-02 and include, in a footnote, condensed consolidating... adjustments; and (v) The total consolidated amounts. Notes to paragraph (c): 1. Instead of the...

  2. 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

    ... preparing the condensed consolidating financial information required by paragraphs (c), (d), (e) and (f) of... the periods specified by §§ 210.3-01 and 210.3-02 and include, in a footnote, condensed consolidating... adjustments; and (v) The total consolidated amounts. Notes to paragraph (c). 1. Instead of the...

  3. 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…

  4. 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....

  5. 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....

  6. 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....

  7. 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....

  8. 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....

  9. 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:…

  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. 17 CFR 210.8-05 - Pro forma financial information.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Pro forma financial... FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES... Statements of Smaller Reporting Companies § 210.8-05 Pro forma financial information. (a) Pro...

  12. 17 CFR 229.914 - (Item 914) Pro forma financial statements: selected financial data.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  13. 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....

  14. Financial Aid.

    ERIC Educational Resources Information Center

    Graves, Mary A.

    This workbook assists college and vocational school bound American Indian students in determining their financial needs and in locating sources of financial aid. A checklist helps students assess the state of their knowledge of financial programs; a glossary defines terms pertinent to the realm of financial aid (i.e., graduate study programs,…

  15. 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.

  16. 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...

  17. 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...

  18. 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...

  19. 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....

  20. 17 CFR 210.11-03 - Presentation of financial forecast.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES..., INVESTMENT ADVISERS ACT OF 1940, AND ENERGY POLICY AND CONSERVATION ACT OF 1975 Pro Forma Financial... the pro forma condensed statements of income required by § 210.11-02(b)(1). (1) The financial...

  1. 17 CFR 210.9-06 - 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 information of registrant. 210.9-06 Section 210.9-06 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,...

  2. 17 CFR 210.8-02 - Annual financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Annual financial statements. 210.8-02 Section 210.8-02 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION FORM... Smaller Reporting Companies § 210.8-02 Annual financial statements. Smaller reporting companies shall...

  3. 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...

  4. 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...

  5. 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,...

  6. 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...

  7. 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,...

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

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 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. 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…

  10. 25 CFR 101.13 - Security.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... mortgaged as security for a loan in accordance with 25 CFR 152.34 and the Act of March 29, 1956 (70 Stat. 62... 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...

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

    ERIC Educational Resources Information Center

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

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

  12. Financial 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.

  13. Financial Assistance

    MedlinePlus

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

  14. 36 CFR 6.10 - Financial assurance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 36 Parks, Forests, and Public Property 1 2010-07-01 2010-07-01 false Financial assurance. 6.10... WASTE DISPOSAL SITES IN UNITS OF THE NATIONAL PARK SYSTEM § 6.10 Financial assurance. (a) The Regional Director will not require a bond or security deposit for a solid waste disposal site for which the...

  15. 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 Director will not require a bond or security deposit for a solid waste disposal site for which the...

  16. 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...

  17. 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…

  18. 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. PMID:22592944

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. FINANCIAL LITERACY, FINANCIAL EDUCATION AND ECONOMIC OUTCOMES

    PubMed Central

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

    2013-01-01

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

  4. 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.

  5. 17 CFR 209.1 - Form D-A: Disclosure of assets and financial information.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... of assets and financial information. (a) Rules 410 and 630 of the Rules of Practice (17 CFR 201.410... and financial information. 209.1 Section 209.1 Commodity and Securities Exchanges SECURITIES AND... division. A respondent making financial information disclosures on this form after the institution...

  6. 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...

  7. 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... content of the financial statements shall be in accordance with §§ 210.8-02 and 8-03. (b) The periods for... combination pursuant to paragraph (c)(4) of this section shall furnish those financial statements and any...

  8. 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...

  9. 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...

  10. 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...

  11. 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:

  12. 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…

  13. Women's Retirement: Beyond Issues of Financial Security.

    ERIC Educational Resources Information Center

    Price, Christine A.

    2003-01-01

    Interviews with a sample of 31 professional and nonprofessional retired women identified the following as issues of significance for women planning to retire: setting goals, avoiding retiring too early, getting involved, managing time, and being self-sufficient. These can serve as a foundation for future program development in the area of women's…

  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. 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... Financial Management Service. After the Commission sends FMS notification of an individual's liability for...

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

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-03

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Lanbo Financial Group, Inc.; Order of Suspension of Trading May 30, 2013. It appears to the Securities and Exchange Commission that there is a lack of current and accurate information concerning the securities of Lanbo Financial Group,...

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

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  18. 17 CFR 210.12-04 - Condensed financial information of registrant.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

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

  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... POLICY AND CONSERVATION ACT OF 1975 Form and Content of Schedules § 210.12-04 Condensed financial information of registrant. (a) Provide condensed financial information as to financial position, cash...

  20. 17 CFR 210.12-04 - Condensed financial information of registrant.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

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

  1. 17 CFR 210.3A-02 - Consolidated financial statements of the registrant and its subsidiaries.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Consolidated financial... 1975 Consolidated and Combined Financial Statements § 210.3A-02 Consolidated financial statements of... consolidated financial statements principles of inclusion or exclusion which will clearly exhibit the...

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

    ERIC Educational Resources Information Center

    McCarthy, John H.; Turner, Robert M.

    1998-01-01

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

  3. 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.

  4. 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.

  5. 30 CFR 285.529 - Can I use a lease- or grant-specific decommissioning account to meet the financial assurance...

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Treasury securities and their collateral value are determined in accordance with 31 CFR part 203... decommissioning account to meet the financial assurance requirements related to decommissioning? 285.529 Section... CONTINENTAL SHELF Payments and Financial Assurance Requirements Requirements for Financial...

  6. 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.

  7. 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…

  8. Collection Security.

    ERIC Educational Resources Information Center

    Boss, Richard W.

    1984-01-01

    Presents a systematic approach to the problem of security of library collections and facilities from theft and vandalism. Highlights include responses to losses, defining security needs, typical weaknesses of facilities, policies and procedures that weaken a library's security, conducting a security audit, cost of security, cost-effectiveness, and…

  9. 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.

  10. 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...

  11. 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.

  12. 77 FR 3019 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-20

    ... CFR 240.19b-4. \\3\\ Securities Exchange Act Release No. 65877 (December 2, 2011), 76 FR 76777. \\4\\ See letter from Chris Killian, Managing Director, Securitization, Securities Industry and Financial...

  13. 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...

  14. 17 CFR 210.8-05 - Pro forma financial information.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Pro forma financial... Statements of Smaller Reporting Companies § 210.8-05 Pro forma financial information. (a) Pro forma... acquired or to be acquired are presented. (b) Pro forma statements should be condensed, in columnar...

  15. 22 CFR 1203.735-205 - Financial interests.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  16. 45 CFR 205.160 - Equipment-Federal financial participation.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ...(a)(19)(G) of the Social Security Act are to be determined in accordance with subpart G or 45 CFR... 45 Public Welfare 2 2011-10-01 2011-10-01 false Equipment-Federal financial participation. 205.160... GENERAL ADMINISTRATION-PUBLIC ASSISTANCE PROGRAMS § 205.160 Equipment—Federal financial...

  17. 45 CFR 205.160 - Equipment-Federal financial participation.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ...(a)(19)(G) of the Social Security Act are to be determined in accordance with subpart G or 45 CFR... 45 Public Welfare 2 2010-10-01 2010-10-01 false Equipment-Federal financial participation. 205.160... GENERAL ADMINISTRATION-PUBLIC ASSISTANCE PROGRAMS § 205.160 Equipment—Federal financial...

  18. 46 CFR 403.300 - Financial reporting requirements.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 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)...

  19. 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...

  20. 17 CFR 200.24 - Office of Financial Management.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false Office of Financial Management... ORGANIZATION; CONDUCT AND ETHICS; AND INFORMATION AND REQUESTS Organization and Program Management General Organization § 200.24 Office of Financial Management. This Office, under the direction of the Chief...

  1. 17 CFR 200.24 - Office of Financial Management.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Office of Financial Management... ORGANIZATION; CONDUCT AND ETHICS; AND INFORMATION AND REQUESTS Organization and Program Management General Organization § 200.24 Office of Financial Management. This Office, under the direction of the Chief...

  2. 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…

  3. 44 CFR 19.430 - 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. 19.430 Section 19.430 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY GENERAL NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR...

  4. 44 CFR 300.3 - Financial assistance.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... HOMELAND SECURITY PREPAREDNESS DISASTER PREPAREDNESS ASSISTANCE § 300.3 Financial assistance. (a) The... products under the Disaster Preparedness Improvement Grant Program: (1) Evaluations of natural hazards and... with the grant workplan objectives and to evidence contribution to the State's disaster capability....

  5. 44 CFR 300.3 - Financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... HOMELAND SECURITY PREPAREDNESS DISASTER PREPAREDNESS ASSISTANCE § 300.3 Financial assistance. (a) The... products under the Disaster Preparedness Improvement Grant Program: (1) Evaluations of natural hazards and... with the grant workplan objectives and to evidence contribution to the State's disaster capability....

  6. 44 CFR 300.3 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... HOMELAND SECURITY PREPAREDNESS DISASTER PREPAREDNESS ASSISTANCE § 300.3 Financial assistance. (a) The... products under the Disaster Preparedness Improvement Grant Program: (1) Evaluations of natural hazards and... with the grant workplan objectives and to evidence contribution to the State's disaster capability....

  7. 44 CFR 300.3 - Financial assistance.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... HOMELAND SECURITY PREPAREDNESS DISASTER PREPAREDNESS ASSISTANCE § 300.3 Financial assistance. (a) The... products under the Disaster Preparedness Improvement Grant Program: (1) Evaluations of natural hazards and... with the grant workplan objectives and to evidence contribution to the State's disaster capability....

  8. 44 CFR 300.3 - Financial assistance.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... HOMELAND SECURITY PREPAREDNESS DISASTER PREPAREDNESS ASSISTANCE § 300.3 Financial assistance. (a) The... products under the Disaster Preparedness Improvement Grant Program: (1) Evaluations of natural hazards and... with the grant workplan objectives and to evidence contribution to the State's disaster capability....

  9. 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…

  10. Social Security and Part-Time Employment.

    ERIC Educational Resources Information Center

    Euzeby, Alain

    1988-01-01

    Discusses rules governing social security and their implications for part-time employees in various countries. Topics include (1) methods of financing social security, (2) benefits, (3) measures concerning the unemployed, (4) a floor for employers' contributions, (5) graduated contribution rates, and (6) financial incentives. (CH)

  11. 17 CFR 400.4 - Information concerning associated persons of financial institutions that are government...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... regulatory agency for such financial institution, a statement correcting such information. (c) For the... 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...

  12. 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... meeting will be held on Thursday, August 1, 2013, beginning at 9:45 a.m. Eastern Time. ADDRESSES: The meeting will be held in the Hearing Room, Securities and Exchange Commission, 3 World Financial...

  13. 17 CFR 210.3-05 - 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... section and the pro forma financial information required by § 210.11, such determination may be made by using pro forma amounts for the latest fiscal year in the report on Form 8-K (§ 249.308 of this...

  14. 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.

  15. 17 CFR 210.8-03 - Interim financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES EXCHANGE... instructions as to content—(1) Footnotes. Footnote and other disclosures should be provided as needed for fair....308 of this chapter), pro forma data must be presented that reflects revenue, income from...

  16. 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...

  17. 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 affected--perhaps the…

  18. 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.

  19. 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.

  20. Systems and methods for performing wireless financial transactions

    DOEpatents

    McCown, Steven Harvey

    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.

  1. Financial Responsibilities. Financial Matters. Board Basics.

    ERIC Educational Resources Information Center

    Burlock, Tracy J.; Chabotar, Kent John

    1998-01-01

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

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

    PubMed

    Lichtenberg, Peter A

    2016-01-01

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

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

    PubMed

    Lichtenberg, Peter A

    2016-01-01

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

  4. 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

    ... 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...

  5. 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...

  6. 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

  7. Supplemental Security Income for the aged, blind, and disabled; income, resources and exclusions deeming of income and resources: Medicaid program; financial requirements for categorically needy--HHS. Final rules.

    PubMed

    1984-02-15

    The Social Security Administration (SSA) is adopting as final, interim regulations on deeming of income and resources, which was published on Friday, June 4, 1982. These rules address the problem of certain individuals who require costly medical care and who under the usual Supplemental Security Income (SSI) deeming rules are ineligible for SSI and Medicaid as long as they live with their families. These rules also address the problems of individuals who remain institutionalized because returning home for less costly medical treatment would result in loss of SSI and Medicaid eligibility. The rules provide that the Secretary, in appropriate circumstances, will not apply the usual SSI rules for deeming the income and resources of certain family members to a noninstitutionalized individual. This is a temporary policy that will deal with this concern while States, if they choose, develop appropriate programs of home and community-based services under their Medicaid programs.

  8. 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…

  9. 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…

  10. 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.

  11. Presenting practice financial information.

    PubMed

    Webster, Lee Ann H

    2007-01-01

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

  12. 77 FR 61647 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-10-10

    ... turn transactions in security futures. \\12\\ 15 U.S.C. 78o-3(b)(5). B. Self-Regulatory Organization's... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and... in Security Futures October 3, 2012. Pursuant to Section 19(b)(1) of the Securities Exchange Act...

  13. 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)

  14. 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.

  15. 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…

  16. 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…

  17. 78 FR 4175 - Eco Global Corporation, Execute Sports, Inc., FacePrint Global Solutions, Inc., FinancialContent...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-18

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Eco Global Corporation, Execute Sports, Inc., FacePrint Global Solutions, Inc., FinancialContent... information concerning the securities of FinancialContent, Inc. because it has not filed any periodic...

  18. 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.

  19. 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

  20. 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.

  1. 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...

  2. 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.

  3. 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

  4. 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. PMID:25545668

  5. Financial Services Marketing.

    ERIC Educational Resources Information Center

    Olson, Lucretia Maria

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

  6. Security in the Schools.

    ERIC Educational Resources Information Center

    Nelson, Jesse

    1997-01-01

    Discusses the benefits of school library security, software security, and computer security systems. Describes specific products for each type of security system. A sidebar lists names and addresses of security manufacturers and distributors. (AEF)

  7. 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)

  8. 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.

  9. 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. PMID:27581899

  10. 10 CFR 605.18 - National security.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 10 Energy 4 2011-01-01 2011-01-01 false National security. 605.18 Section 605.18 Energy DEPARTMENT OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS THE OFFICE OF ENERGY RESEARCH FINANCIAL ASSISTANCE.... Correspondence which includes the specific information in question shall be sent by registered mail to...

  11. 76 FR 56848 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Granting...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-14

    ... 240.19b-4. \\3\\ See Securities Exchange Act Release No. 64934 (July 20, 2011), 76 FR 44645 (July 26... Compliance Officer, NPB Financial Group, LLC, dated July 27, 2011 (``NPB Letter''); letter from Joyce...

  12. 44 CFR 206.119 - Financial assistance to address other needs.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... MANAGEMENT AGENCY, DEPARTMENT OF HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Federal... households. (2) Personal property, transportation, and other expenses. (i) FEMA may provide financial assistance for personal property and transportation items or services to meet the disaster-related...

  13. 31 CFR 321.12 - Redemption value of securities.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... FINANCIAL INSTITUTIONS OF UNITED STATES SAVINGS BONDS AND UNITED STATES SAVINGS NOTES (FREEDOM SHARES... each savings security is determined by the terms of its offering and the length of time it has been... EE and I bonds, and savings notes, that should be used in redeeming savings securities....

  14. 48 CFR 832.202-4 - Security for Government financing.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... financing. 832.202-4 Section 832.202-4 Federal Acquisition Regulations System DEPARTMENT OF VETERANS AFFAIRS GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Commercial Item Purchase Financing 832.202-4 Security for Government financing. An offeror's financial condition may be considered adequate security...

  15. 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...

  16. 48 CFR 832.202-4 - Security for Government financing.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 48 Federal Acquisition Regulations System 5 2011-10-01 2011-10-01 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...

  17. 48 CFR 832.202-4 - Security for Government financing.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 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 protect the Government's interest when the Government provides contract financing. In assessing...

  18. 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...

  19. 17 CFR 210.3-12 - Age of financial statements at effective date of registration statement or at mailing date of...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 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... Securities Act of 1933 or filed on Form 10 (17 CFR 249.210) under the Securities Exchange Act of 1934...

  20. 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.

  1. 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…

  2. 31 CFR 1023.540 - Voluntary information sharing among financial institutions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 31 Money and Finance:Treasury 3 2012-07-01 2012-07-01 false Voluntary information sharing among financial institutions. 1023.540 Section 1023.540 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES...

  3. 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…

  4. 76 FR 37384 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-27

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate Effectiveness of Proposed Rule Change Relating to Exemptions from the Order Audit Trail System..., Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities and Exchange...

  5. 76 FR 71404 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-17

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate Effectiveness of Proposed Rule Change Relating to the Order Audit Trail System Definitions of... November 4, 2011, Financial Industry Regulatory Authority, Inc. (``FINRA'') filed with the Securities...

  6. 17 CFR 1.52 - Self-regulatory organization adoption and surveillance of minimum financial requirements.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... financial and related reporting requirements; and (2) Of the identity of the designated self-regulatory... 17 Commodity and Securities Exchanges 1 2012-04-01 2012-04-01 false Self-regulatory organization... Miscellaneous § 1.52 Self-regulatory organization adoption and surveillance of minimum financial...

  7. 17 CFR 1.52 - Self-regulatory organization adoption and surveillance of minimum financial requirements.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... financial and related reporting requirements; and (2) Of the identity of the designated self-regulatory... 17 Commodity and Securities Exchanges 1 2011-04-01 2011-04-01 false Self-regulatory organization... Miscellaneous § 1.52 Self-regulatory organization adoption and surveillance of minimum financial...

  8. 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...

  9. 17 CFR 31.13 - Financial reports of leverage transaction merchants.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 1 2010-04-01 2010-04-01 false Financial reports of leverage... COMMISSION LEVERAGE TRANSACTIONS § 31.13 Financial reports of leverage transaction merchants. (a) Each leverage transaction merchant who files an application for registration with the National...

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

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 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 segregation requirements by leverage transaction merchants. (a)...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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... information concerning the securities of Amedia Networks, Inc. because it has not filed any periodic reports... Financial Services, Inc. because it has not filed any periodic reports since the period ended September...

  16. 17 CFR 1.67 - Notification of final disciplinary action involving financial harm to a customer.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... disciplinary action involving financial harm to a customer. 1.67 Section 1.67 Commodity and Securities... Miscellaneous § 1.67 Notification of final disciplinary action involving financial harm to a customer. (a) Definitions. For purposes of this section: (1) Final disciplinary action means any decision by or...

  17. 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...

  18. 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...

  19. 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...

  20. 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...\\ See Exchange Act Release No. 62434 (July 1, 2010; 75 FR 39603 (July 9, 2010); SR-FINRA-2009-089...

  1. 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,…

  2. 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.

  3. 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

  4. 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…

  5. 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

  6. 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. PMID:26375393

  7. 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.

  8. 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.

  9. 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.

  10. 30 CFR 285.537 - How will MMS proceed once my bond or other security is forfeited?

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... FACILITIES ON THE OUTER CONTINENTAL SHELF Payments and Financial Assurance Requirements Changes in Financial Assurance § 285.537 How will MMS proceed once my bond or other security is forfeited? (a) If MMS determines... security is forfeited? 285.537 Section 285.537 Mineral Resources BUREAU OF OCEAN ENERGY...

  11. 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…

  12. 77 FR 55519 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-09-10

    ... Release No. 67079 (May 30, 2012), 77 FR 33522 (``Notice''). \\4\\ See Letters to Elizabeth M. Murphy... Securities Exchange Act Release No. 63895 (February 11, 2011), 76 FR 9386 (February 17, 2011). If the ``not... any securities and financial instruments (not just option contracts and futures) was a...

  13. 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...

  14. 20 CFR 416.207 - You do not give us permission to contact financial institutions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false You do not give us permission to contact financial institutions. 416.207 Section 416.207 Employees' Benefits SOCIAL SECURITY ADMINISTRATION SUPPLEMENTAL SECURITY INCOME FOR THE AGED, BLIND, AND DISABLED Eligibility Reasons Why You May Not Get...

  15. 20 CFR 416.207 - You do not give us permission to contact financial institutions.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 20 Employees' Benefits 2 2011-04-01 2011-04-01 false You do not give us permission to contact financial institutions. 416.207 Section 416.207 Employees' Benefits SOCIAL SECURITY ADMINISTRATION SUPPLEMENTAL SECURITY INCOME FOR THE AGED, BLIND, AND DISABLED Eligibility Reasons Why You May Not Get...

  16. 77 FR 14848 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-03-13

    ... Securities Exchange Act Release No. 59955 (May 22, 2009), 74 FR 25586 (May 28, 2009) (Notice of Filing and... ) (``Approval Order''). \\4\\ See Securities Exchange Act Release No. 64892 (July 14, 2011), 76 FR 43360 (July 20..., including, among other things, risks to the financial system arising from credit risk resulting...

  17. 76 FR 72463 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-23

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of Proposed Rule Change Relating to FINRA's Code of Procedure November 18, 2011. Pursuant to Section 19(b)(1) of the Securities Exchange Act of...

  18. 75 FR 51147 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving the...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-08-18

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Approving the Proposed Rule Change To Adopt FINRA Rule 5121 (Public Offerings of Securities With Conflicts of Interest... proposal to adopt FINRA Rule 5121 (Public Offerings of Securities With Conflicts of Interest) (``Rule'')...

  19. 76 FR 25385 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Granting...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-05-04

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Order Granting Approval of a Proposed Rule Change Relating to TRACE Reporting of Asset-Backed Securities April 28, 2011. I. Introduction On March 3, 2011,...

  20. 12 CFR 390.384 - Financial statements for conversions, SEC filings, and offering circulars.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... part of: (a) A conversion application under 12 CFR part 192 including financial statements in proxy... capital certificates under 12 CFR 163.74 and debt securities under § 390.341. Appendix to § 390.384... principal holders of equity securities (17 CFR 210.1-02) of the State savings association or any of...

  1. 12 CFR 390.384 - Financial statements for conversions, SEC filings, and offering circulars.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... part of: (a) A conversion application under 12 CFR part 192 including financial statements in proxy... capital certificates under 12 CFR 163.74 and debt securities under § 390.341. Appendix to § 390.384... principal holders of equity securities (17 CFR 210.1-02) of the State savings association or any of...

  2. 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.

  3. Food security -- an insurance approach.

    PubMed

    1979-01-01

    An adequate standard of nutrition at national and individual level is a basic -- and not wholly altruistic -- objective for mankind. Its ingredients are food production and distribution. Of these the latter is currently considered the more limiting, but fluctuations in the former -- over various geographical and time scales -- can be the overriding factor when national supplies are critical. Under these conditions the automatic operations of a legal mandatory food support system -- free from political strings or connotations of welfare -- would be advantageous. A system for providing a measure of food security, using insurance principles and based on a compromise between international stockpiling and direct financial subventions, is outlined in a recent publication of the International Food Policy Research Institute. Essentially it is a means by which the international community could contribute to the food security of food deficit, developing countries without having to create large buffer stocks and stabilize world grain prices. Extracts from this publication are given below.

  4. 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.

  5. 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.

  6. 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.

  7. 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

  8. 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 PMID:27159439

  9. 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.

  10. 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.

  11. New Financial Models.

    ERIC Educational Resources Information Center

    Taylor, Michael G.

    1991-01-01

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

  12. 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.

  13. 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…

  14. 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…

  15. Coping with Financial Distress

    ERIC Educational Resources Information Center

    Chabotar, Kent John

    2007-01-01

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

  16. 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.

  17. 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…

  18. 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,…

  19. 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).…

  20. 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…

  1. 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.

  2. 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.

  3. Radiology applications of financial accounting.

    PubMed

    Leibenhaut, Mark H

    2005-03-01

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

  4. Radiology applications of financial accounting.

    PubMed

    Leibenhaut, Mark H

    2005-03-01

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

  5. "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…

  6. 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…

  7. Erecting a Sturdy Financial Structure.

    ERIC Educational Resources Information Center

    West, Jeffrey J.

    1998-01-01

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

  8. 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.

  9. 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.

  10. Communication impacting financial markets

    NASA Astrophysics Data System (ADS)

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

    2014-10-01

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

  11. 77 FR 40668 - Self-Regulatory Organizations; Municipal Securities Rulemaking Board; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-07-10

    ...''); Full Life Financial LLC (``Full Life''); Government Finance Officers Association (``GFOA''); Kious and... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE... Association of Independent Public Finance Advisors (``NAIPFA''); Oppenheimer & Co. Inc. (``Oppenheimer'');...

  12. College Students and Financial Distress: Exploring Debt, Financial Satisfaction, and Financial Anxiety

    ERIC Educational Resources Information Center

    Archuleta, Kristy L.; Dale, Anita; Spann, Scott M.

    2013-01-01

    The impact of financial concerns on overall mental health has become a popular topic among researchers and practitioners. In this exploratory study, possible associations of financial anxiety were explored using a sample of 180 college students who sought services at a university peer financial counseling center in a Midwestern state. Of…

  13. Computer security engineering management

    SciTech Connect

    McDonald, G.W.

    1988-01-01

    For best results, computer security should be engineered into a system during its development rather than being appended later on. This paper addresses the implementation of computer security in eight stages through the life cycle of the system; starting with the definition of security policies and ending with continuing support for the security aspects of the system throughout its operational life cycle. Security policy is addressed relative to successive decomposition of security objectives (through policy, standard, and control stages) into system security requirements. This is followed by a discussion of computer security organization and responsibilities. Next the paper directs itself to analysis and management of security-related risks, followed by discussion of design and development of the system itself. Discussion of security test and evaluation preparations, and approval to operate (certification and accreditation), is followed by discussion of computer security training for users is followed by coverage of life cycle support for the security of the system.

  14. Transportation Security Administration

    MedlinePlus

    ... content Official website of the Department of Homeland Security Transportation Security Administration A - Z Index What Can I Bring? Search form Apples Main menu Administrator Travel Security Screening Special Procedures TSA Pre✓® Passenger Support Travel ...

  15. 29 CFR 2520.104-47 - Limited exemption and alternative method of compliance for filing of insurance company financial...

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... filing of insurance company financial reports. 2520.104-47 Section 2520.104-47 Labor Regulations Relating to Labor (Continued) EMPLOYEE BENEFITS SECURITY ADMINISTRATION, DEPARTMENT OF LABOR REPORTING AND... exemption and alternative method of compliance for filing of insurance company financial reports....

  16. 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...

  17. 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…

  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.

    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.

  20. Cross-border portfolio investment networks and indicators for financial crises.

    PubMed

    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

  1. 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.

  2. 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.

  3. Integrated Financial Management Program

    NASA Technical Reports Server (NTRS)

    Pho, Susan

    2004-01-01

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

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

    PubMed

    Dalsted, N L

    1995-07-01

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

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

    PubMed

    Dalsted, N L

    1995-07-01

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

  6. 76 FR 37888 - Survey of Foreign Ownership of U.S. Securities as of June 30, 2011

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-28

    ... States Government, a State or local government, and any agency, corporation, financial institution, or... resident holdings of U.S. securities, including equities, short-term debt securities (including selected money market instruments), and long-term debt securities. How to Report: Copies of the survey forms...

  7. 78 FR 18678 - Survey of Foreign Ownership of U.S. Securities as of June 30, 2013

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-27

    ... States Government, a State or local government, and any agency, corporation, financial institution, or... resident holdings of U.S. securities, including equities, short-term debt securities (including selected money market instruments), and long-term debt securities. How To Report: Copies of the survey forms...

  8. 77 FR 33809 - Survey of Foreign Ownership of U.S. Securities as of June 30, 2012

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-07

    ..., the United States Government, a State or local government, and any agency, corporation, financial... foreign resident holdings of U.S. securities, including equities, short-term debt securities (including selected money market instruments), and long-term debt securities. How To Report: Copies of the...

  9. 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.

  10. 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. PMID:12343986

  11. 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.

  12. 76 FR 42765 - Departmental Offices; Renewal of the Treasury Borrowing Advisory Committee of the Securities...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-19

    ... Financial Markets Association ACTION: Notice of Renewal of Committee's Charter. SUMMARY: In accordance with... the Treasury Borrowing Advisory Committee of the Securities Industry and Financial Markets Association... duties imposed on the Department of the Treasury by law. FOR FURTHER INFORMATION CONTACT: Colin...

  13. From Secure Memories to Smart Card Security

    NASA Astrophysics Data System (ADS)

    Handschuh, Helena; Trichina, Elena

    Non-volatile memory is essential in most embedded security applications. It will store the key and other sensitive materials for cryptographic and security applications. In this chapter, first an overview is given of current flash memory architectures. Next the standard security features which form the basis of so-called secure memories are described in more detail. Smart cards are a typical embedded application that is very vulnerable to attacks and that at the same time has a high need for secure non-volatile memory. In the next part of this chapter, the secure memories of so-called flash-based high-density smart cards are described. It is followed by a detailed analysis of what the new security challenges for such objects are.

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

    ERIC Educational Resources Information Center

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

    2012-01-01

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

  15. Global climate change and international security.

    SciTech Connect

    Karas, Thomas H.

    2003-11-01

    This report originates in a workshop held at Sandia National Laboratories, bringing together a variety of external experts with Sandia personnel to discuss 'The Implications of Global Climate Change for International Security.' Whatever the future of the current global warming trend, paleoclimatic history shows that climate change happens, sometimes abruptly. These changes can severely impact human water supplies, agriculture, migration patterns, infrastructure, financial flows, disease prevalence, and economic activity. Those impacts, in turn, can lead to national or international security problems stemming from aggravation of internal conflicts, increased poverty and inequality, exacerbation of existing international conflicts, diversion of national and international resources from international security programs (military or non-military), contribution to global economic decline or collapse, or international realignments based on climate change mitigation policies. After reviewing these potential problems, the report concludes with a brief listing of some research, technology, and policy measures that might mitigate them.

  16. Building Security into Schools.

    ERIC Educational Resources Information Center

    Kosar, John E.; Ahmed, Faruq

    2000-01-01

    Offers tips for redesigning safer school sites; installing and implementing security technologies (closed-circuit television cameras, door security hardware, electronic security panels, identification cards, metal detectors, and panic buttons); educating students and staff about security functions; and minimizing costs via a comprehensive campus…

  17. Unix Security Cookbook

    NASA Astrophysics Data System (ADS)

    Rehan, S. C.

    This document has been written to help Site Managers secure their Unix hosts from being compromised by hackers. I have given brief introductions to the security tools along with downloading, configuring and running information. I have also included a section on my recommendations for installing these security tools starting from an absolute minimum security requirement.

  18. School Security Roundtable, 2000.

    ERIC Educational Resources Information Center

    Agron, Joe, Ed.; Anderson, Larry, Ed.

    A roundtable discussion is presented revealing what experts say about school security problems and how they are being addressed. Also included are trend data from the School Security 2000 survey revealing top security concerns, strategies, and security equipment preferences; how site surveys can be used to keep schools safe; and how creating a…

  19. Chapter 3: Energy Security

    SciTech Connect

    Foust, Thomas D.; Arent, Doug; de Carvalho Macedo, Isaias; Goldemberg, Jose; Hoysala, Chanakya; Filho, Rubens Maciel; Nigro, Francisco E. B.; Richard, Tom L.; Saddler, Jack; Samseth, Jon; Somerville, Chris R.

    2015-04-01

    This chapter considers the energy security implications and impacts of bioenergy. We provide an assessment to answer the following questions: What are the implications for bioenergy and energy security within the broader policy environment that includes food and water security, development, economic productivity, and multiple foreign policy aspects? What are the conditions under which bioenergy contributes positively to energy security?

  20. Security guide for subcontractors

    SciTech Connect

    Not Available

    1988-01-01

    The objectives of security in the Department of Energy (DOE) contractor/subcontractor program are: (1) to ensure the protection of information which, if related, would endanger the common defense and security of the nation; and (2) to safeguard the plants and installations of the DOE and its contractors in order that research and production programs will not be interrupted. To achieve these objectives, security responsibilities have been divided into three interdependent categories: personnel security, physical security, and security education and quality audits. This guide presents instructions for implementing a security program at a contractor/subcontractor site.

  1. Empowering Physicians with Financial Literacy.

    PubMed

    Bar-Or, Yuval

    2015-01-01

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

  2. Financial accounting for radiology executives.

    PubMed

    Seidmann, Abraham; Mehta, Tushar

    2005-03-01

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

  3. 78 FR 56978 - In the Matter of Carbiz, Inc., InZon Corporation, IQ Micro, Inc., Irwin Financial Corporation...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-16

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION In the Matter of Carbiz, Inc., InZon Corporation, IQ Micro, Inc., Irwin Financial Corporation, and... lack of current and accurate information concerning the securities of IQ Micro, Inc. because it has...

  4. 24 CFR 100.130 - Discrimination in the terms and conditions for making available loans or other financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... UNDER THE FAIR HOUSING ACT Discrimination in Residential Real Estate-Related Transactions § 100.130... or which are secured by residential real estate to impose different terms or conditions for the... dwelling or for any loan or other financial assistance which is secured by residential real estate...

  5. 24 CFR 100.130 - Discrimination in the terms and conditions for making available loans or other financial assistance.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... UNDER THE FAIR HOUSING ACT Discrimination in Residential Real Estate-Related Transactions § 100.130... or which are secured by residential real estate to impose different terms or conditions for the... dwelling or for any loan or other financial assistance which is secured by residential real estate...

  6. Income, age and financial satisfaction.

    PubMed

    Hsieh, Chang-ming

    2003-01-01

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

  7. Welfare Gains from Financial Liberalization

    PubMed Central

    Townsend, Robert M.; Ueda, Kenichi

    2010-01-01

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

  8. Management summary report. Auditing and financial system

    SciTech Connect

    Feldmiller, W.H.

    1980-01-01

    Increased leasing of Federal lands for energy exploration will add to the regulatory and administrative responsibilities of the USGS's Conservation Division. Similar responsibilities for Indian lands will arise. The objectives of the Conservation Division is to reduce the regulatory burden on industry while effectively and efficiently discharging its responsibility. This Management Summary Report represents the completion of the Preliminary Systems Design of the Auditing and Financial System, and is the first phase of the Improved Royalty Management Program (IRMP). Work reported includes: a Functional Specifications Report; Technical Specifications Report; Installation Plan; and a cost/benefit analysis. The potential benefits to be realized from the IRMP are significant and include: increased royalty receipts; more timely availability of funds; increased productivity of personnel; reduced regulatory burden on private industry; tighter security over information collected; reduced exposure to fraud and abuse; and better control over activities and funds.

  9. Financial Bubbles, Real Estate Bubbles, Derivative Bubbles, and the Financial and Economic Crisis

    NASA Astrophysics Data System (ADS)

    Sornette, Didier; Woodard, Ryan

    The financial crisis of 2008, which started with an initially well-defined epicenter focused on mortgage backed securities (MBS), has been cascading into a global economic recession, whose increasing severity and uncertain duration has led and is continuing to lead to massive losses and damage for billions of people. Heavy central bank interventions and government spending programs have been launched worldwide and especially in the USA and Europe, with the hope to unfreeze credit and bolster consumption. Here, we present evidence and articulate a general framework that allows one to diagnose the fundamental cause of the unfolding financial and economic crisis: the accumulation of several bubbles and their interplay and mutual reinforcement have led to an illusion of a "perpetual money machine" allowing financial institutions to extract wealth from an unsustainable artificial process. Taking stock of this diagnostic, we conclude that many of the interventions to address the so-called liquidity crisis and to encourage more consumption are ill-advised and even dangerous, given that precautionary reserves were not accumulated in the "good times" but that huge liabilities were. The most "interesting" present times constitute unique opportunities but also great challenges, for which we offer a few recommendations.

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

    ERIC Educational Resources Information Center

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

    2007-01-01

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

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

    ERIC Educational Resources Information Center

    Robinson, J. N.

    1992-01-01

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

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

    ERIC Educational Resources Information Center

    Mandell, Lewis; Klein, Linda Schmid

    2009-01-01

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

  13. Three Essays on Information Technology Security Management in Organizations

    ERIC Educational Resources Information Center

    Gupta, Manish

    2011-01-01

    Increasing complexity and sophistication of ever evolving information technologies has spurred unique and unprecedented challenges for organizations to protect their information assets. Companies suffer significant financial and reputational damage due to ineffective information technology security management, which has extensively been shown to…

  14. 48 CFR 432.202-4 - Security for Government financing.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... financing. 432.202-4 Section 432.202-4 Federal Acquisition Regulations System DEPARTMENT OF AGRICULTURE GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Commercial Item Purchase Financing 432.202-4 Security for Government financing. Prior to determining that an offeror's financial condition is...

  15. Social Security Disability Insurance: Essential Protection when Work Incapacity Strikes

    ERIC Educational Resources Information Center

    Reno, Virginia P.; Ekman, Lisa D.

    2012-01-01

    Social Security Disability Insurance (SSDI) is an essential lifeline for millions of Americans. Without it, many families would be in deep financial distress. SSDI is insurance that workers pay for through premiums deducted from their pay. In return, workers gain the right to monthly benefits if a disabling condition ends their capacity to earn a…

  16. 48 CFR 432.202-4 - Security for Government financing.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 4 2010-10-01 2010-10-01 false Security for Government financing. 432.202-4 Section 432.202-4 Federal Acquisition Regulations System DEPARTMENT OF AGRICULTURE... for Government financing. Prior to determining that an offeror's financial condition is...

  17. 48 CFR 432.202-4 - Security for Government financing.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 48 Federal Acquisition Regulations System 4 2012-10-01 2012-10-01 false Security for Government financing. 432.202-4 Section 432.202-4 Federal Acquisition Regulations System DEPARTMENT OF AGRICULTURE... for Government financing. Prior to determining that an offeror's financial condition is...

  18. 48 CFR 432.202-4 - Security for Government financing.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 48 Federal Acquisition Regulations System 4 2013-10-01 2013-10-01 false Security for Government financing. 432.202-4 Section 432.202-4 Federal Acquisition Regulations System DEPARTMENT OF AGRICULTURE... for Government financing. Prior to determining that an offeror's financial condition is...

  19. The Intersection of Financial Exploitation and Financial Capacity

    PubMed Central

    Lichtenberg, P.A.

    2016-01-01

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

  20. 31 CFR 1023.320 - Reports by brokers or dealers in securities of suspicious transactions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... securities of suspicious transactions. 1023.320 Section 1023.320 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Reports Required To Be Made By Brokers or Dealers...

  1. 77 FR 33634 - U.S. Treasury Securities-State and Local Government Series

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-07

    ... Fiscal Service 31 CFR Part 344 U.S. Treasury Securities--State and Local Government Series AGENCY: Bureau... Treasury (Treasury) is issuing this final rule to revise the regulations governing State and Local... available for purchase by issuers of tax-exempt securities. Current financial market conditions...

  2. 76 FR 70207 - Self-Regulatory Organizations; Municipal Securities Rulemaking Board; Order Granting Approval of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-10

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE...). \\2\\ 17 CFR 240.19b-4. \\3\\ See Securities Exchange Act Release No. 65393 (September 26, 2011), 76 FR... on U.S. government, Federal agency and other financial instruments, economic activity,...

  3. 76 FR 60953 - Self-Regulatory Organizations; Municipal Securities Rulemaking Board; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-30

    ... the municipal markets and on U.S. government, federal agency and other financial instruments, economic activity, government policy, factors affecting interest rates, and applicable federal securities laws and... From the Federal Register Online via the Government Publishing Office ] SECURITIES AND...

  4. 13 CFR 107.1700 - Transfer by SBA of its interest in Licensee's Leverage security.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Licensee's Leverage security. 107.1700 Section 107.1700 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES SBA Financial Assistance for Licensees (Leverage) Miscellaneous § 107.1700 Transfer by SBA of its interest in Licensee's Leverage security. Upon such...

  5. 12 CFR 234.4 - Standards for central securities depositories and central counterparties.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... designated financial market utility that is designated on the basis of its role as a central securities... disclosed, and permit fair and open access. (3) The central securities depository or central counterparty holds assets in a manner whereby risk of loss or of delay in its access to them is minimized....

  6. 12 CFR 234.4 - Standards for central securities depositories and central counterparties.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... designated financial market utility that is designated on the basis of its role as a central securities... disclosed, and permit fair and open access. (3) The central securities depository or central counterparty holds assets in a manner whereby risk of loss or of delay in its access to them is minimized....

  7. 17 CFR 240.3b-14 - Definition of cash management securities activities.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... permitted under § 240.15a-1 or any non-securities activities of the dealer that involve eligible OTC... involve eligible OTC derivative instruments or other financial instruments; or (c) Financing of positions... § 240.15a-1 or any non-securities activities that involve eligible OTC derivative instruments or...

  8. 17 CFR 240.3b-14 - Definition of cash management securities activities.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... permitted under § 240.15a-1 or any non-securities activities of the dealer that involve eligible OTC... involve eligible OTC derivative instruments or other financial instruments; or (c) Financing of positions... § 240.15a-1 or any non-securities activities that involve eligible OTC derivative instruments or...

  9. 40 CFR 35.6670 - Financial reports.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

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

  10. 40 CFR 35.6670 - Financial reports.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  11. Financial Knowledge and Best Practice Behavior

    ERIC Educational Resources Information Center

    Robb, Cliff A.; Woodyard, Ann S.

    2011-01-01

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

  12. Financial Scandals and Student Loans

    ERIC Educational Resources Information Center

    Eisenberg, Meyer; Franke, Ann H.

    2007-01-01

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

  13. Financial disclosure and toxic products: encouraging wall street to anticipate product risk and exercise precaution.

    PubMed

    Lewis, Sanford; Byrne, Margaret

    2009-01-01

    Amidst discussion by policymakers about how regulators' failure to ensure disclosure of risks contributed to the current financial crisis, we assess how emerging product toxicity risks are addressed in companies' financial reports. Will corporations blindside investors with "the next asbestos?" Existing disclosures are found lacking in the specificity needed to forewarn of liabilities and reputational damage from the use of potentially harmful materials-from nanotechnologies, to asthmagens, to perfluorinated compounds. Improved standards could protect investors while also enhancing corporate incentives to use safer materials. Reforms by the Securities and Exchange Commission and the Financial Accounting Standards Board are recommended. PMID:19447757

  14. Manual for Student Financial Aids.

    ERIC Educational Resources Information Center

    MacDonald, Douglas S.

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

  15. Teaching OOP with Financial Literacy

    ERIC Educational Resources Information Center

    Zhu, Hongwei

    2011-01-01

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

  16. Financial Resources for Disabled Individuals.

    ERIC Educational Resources Information Center

    Institute for Information Studies, Falls Church, VA.

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

  17. Legislative Mandates and Financial Reporting.

    ERIC Educational Resources Information Center

    Bock, Almon C., II

    1983-01-01

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

  18. Certification of Financial Aid Administrators

    ERIC Educational Resources Information Center

    Peterson, Stacey A.

    2011-01-01

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

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

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-29

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

  20. Making the End as Good as the Beginning: Financial Planning and Retirement for Women Plastic Surgeons.

    PubMed

    Johnson, Debra J; Shenaq, Deana; Thakor, Manisha

    2016-10-01

    Financial planning is critically important to ensure financial security both during a plastic surgical career and in retirement. Unfortunately, plastic surgery training includes very little in the way of financial planning. The information that is available in the literature is mostly geared toward men. Women, with longer lifespans and more family care responsibilities, have unique needs when it comes to financial planning. Adequate attention must also be paid to life after retirement. A plastic surgical career can be all-encompassing, and thus women need to carefully plan volunteer activities, new hobbies, and even a second career to make their retirement years fulfilling and enjoyable. Key points regarding financial planning during the various phases of a woman plastic surgeon's career are discussed. Options for retirement are presented. PMID:27673523

  1. Making the End as Good as the Beginning: Financial Planning and Retirement for Women Plastic Surgeons.

    PubMed

    Johnson, Debra J; Shenaq, Deana; Thakor, Manisha

    2016-10-01

    Financial planning is critically important to ensure financial security both during a plastic surgical career and in retirement. Unfortunately, plastic surgery training includes very little in the way of financial planning. The information that is available in the literature is mostly geared toward men. Women, with longer lifespans and more family care responsibilities, have unique needs when it comes to financial planning. Adequate attention must also be paid to life after retirement. A plastic surgical career can be all-encompassing, and thus women need to carefully plan volunteer activities, new hobbies, and even a second career to make their retirement years fulfilling and enjoyable. Key points regarding financial planning during the various phases of a woman plastic surgeon's career are discussed. Options for retirement are presented.

  2. Digital security technology simplified.

    PubMed

    Scaglione, Bernard J

    2007-01-01

    Digital security technology is making great strides in replacing analog and other traditional security systems including CCTV card access, personal identification and alarm monitoring applications. Like any new technology, the author says, it is important to understand its benefits and limitations before purchasing and installing, to ensure its proper operation and effectiveness. This article is a primer for security directors on how digital technology works. It provides an understanding of the key components which make up the foundation for digital security systems, focusing on three key aspects of the digital security world: the security network, IP cameras and IP recorders.

  3. Explore Awareness of Information Security: Insights from Cognitive Neuromechanism.

    PubMed

    Han, Dongmei; Dai, Yonghui; Han, Tianlin; Dai, Xingyun

    2015-01-01

    With the rapid development of the internet and information technology, the increasingly diversified portable mobile terminals, online shopping, and social media have facilitated information exchange, social communication, and financial payment for people more and more than ever before. In the meantime, information security and privacy protection have been meeting with new severe challenges. Although we have taken a variety of information security measures in both management and technology, the actual effectiveness depends firstly on people's awareness of information security and the cognition of potential risks. In order to explore the new technology for the objective assessment of people's awareness and cognition on information security, this paper takes the online financial payment as example and conducts an experimental study based on the analysis of electrophysiological signals. Results indicate that left hemisphere and beta rhythms of electroencephalogram (EEG) signal are sensitive to the cognitive degree of risks in the awareness of information security, which may be probably considered as the sign to assess people's cognition of potential risks in online financial payment. PMID:26587017

  4. Explore Awareness of Information Security: Insights from Cognitive Neuromechanism

    PubMed Central

    Han, Dongmei; Dai, Yonghui; Han, Tianlin; Dai, Xingyun

    2015-01-01

    With the rapid development of the internet and information technology, the increasingly diversified portable mobile terminals, online shopping, and social media have facilitated information exchange, social communication, and financial payment for people more and more than ever before. In the meantime, information security and privacy protection have been meeting with new severe challenges. Although we have taken a variety of information security measures in both management and technology, the actual effectiveness depends firstly on people's awareness of information security and the cognition of potential risks. In order to explore the new technology for the objective assessment of people's awareness and cognition on information security, this paper takes the online financial payment as example and conducts an experimental study based on the analysis of electrophysiological signals. Results indicate that left hemisphere and beta rhythms of electroencephalogram (EEG) signal are sensitive to the cognitive degree of risks in the awareness of information security, which may be probably considered as the sign to assess people's cognition of potential risks in online financial payment. PMID:26587017

  5. Male Labor Force Participation and Social Security in Mexico.

    PubMed

    Aguila, Emma

    2014-04-01

    Labor-force participation among Mexican males in their early retirement years (60 to 64 years of age) has decreased in recent decades, from 94.6 percent in 1960 to 65.2 percent in 2010. Similar trends are evident elsewhere in Latin America, and have occurred in the developed world. Such trends pose challenges to financial sustainability of social security systems as working-age populations decrease and those in retirement increase both because of demographic trends and decisions to take early retirement. In this study, we find that the Mexican social security system provides incentives to retire early. The retirement incentives of the Mexican social security system affect retirement behavior, and may be one of the main contributors to early retirement decisions, particularly for lower-income populations. We simulated the effect of the reform from a Pay-As-You-Go (PAYG) to the new Personal Retirement Accounts (PRA) system and we find that the PRA system also provides incentives to early retirement. Further analysis is needed to assess the financial sustainability of the social security system and financial security in old age for the largest cohorts in Mexico that will begin to retire by 2040.

  6. Male Labor Force Participation and Social Security in Mexico

    PubMed Central

    Aguila, Emma

    2014-01-01

    Labor-force participation among Mexican males in their early retirement years (60 to 64 years of age) has decreased in recent decades, from 94.6 percent in 1960 to 65.2 percent in 2010. Similar trends are evident elsewhere in Latin America, and have occurred in the developed world. Such trends pose challenges to financial sustainability of social security systems as working-age populations decrease and those in retirement increase both because of demographic trends and decisions to take early retirement. In this study, we find that the Mexican social security system provides incentives to retire early. The retirement incentives of the Mexican social security system affect retirement behavior, and may be one of the main contributors to early retirement decisions, particularly for lower-income populations. We simulated the effect of the reform from a Pay-As-You-Go (PAYG) to the new Personal Retirement Accounts (PRA) system and we find that the PRA system also provides incentives to early retirement. Further analysis is needed to assess the financial sustainability of the social security system and financial security in old age for the largest cohorts in Mexico that will begin to retire by 2040. PMID:25328441

  7. Explore Awareness of Information Security: Insights from Cognitive Neuromechanism.

    PubMed

    Han, Dongmei; Dai, Yonghui; Han, Tianlin; Dai, Xingyun

    2015-01-01

    With the rapid development of the internet and information technology, the increasingly diversified portable mobile terminals, online shopping, and social media have facilitated information exchange, social communication, and financial payment for people more and more than ever before. In the meantime, information security and privacy protection have been meeting with new severe challenges. Although we have taken a variety of information security measures in both management and technology, the actual effectiveness depends firstly on people's awareness of information security and the cognition of potential risks. In order to explore the new technology for the objective assessment of people's awareness and cognition on information security, this paper takes the online financial payment as example and conducts an experimental study based on the analysis of electrophysiological signals. Results indicate that left hemisphere and beta rhythms of electroencephalogram (EEG) signal are sensitive to the cognitive degree of risks in the awareness of information security, which may be probably considered as the sign to assess people's cognition of potential risks in online financial payment.

  8. How To Assess and Enhance Financial Health.

    ERIC Educational Resources Information Center

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

    2003-01-01

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

  9. Security system signal supervision

    SciTech Connect

    Chritton, M.R. ); Matter, J.C. )

    1991-09-01

    This purpose of this NUREG is to present technical information that should be useful to NRC licensees for understanding and applying line supervision techniques to security communication links. A review of security communication links is followed by detailed discussions of link physical protection and DC/AC static supervision and dynamic supervision techniques. Material is also presented on security for atmospheric transmission and video line supervision. A glossary of security communication line supervision terms is appended. 16 figs.

  10. Security: Progress and Challenges

    ERIC Educational Resources Information Center

    Luker, Mark A.

    2004-01-01

    The Homepage column in the March/April 2003 issue of "EDUCAUSE Review" explained the national implication of security vulnerabilities in higher education and the role of the EDUCAUSE/Internet2 Computer and Network Security Task Force in representing the higher education sector in the development of the National Strategy to Secure Cyberspace. Among…

  11. School Violence: Physical Security.

    ERIC Educational Resources Information Center

    Utah State Office of Education, Salt Lake City.

    This booklet provides an overview of security technology product areas that might be appropriate and affordable for school applications. Topics cover security concepts and operational issues; security issues when designing for new schools; the role of maintenance; video camera use; walk-through metal detectors; duress alarm devices; and a partial…

  12. Selecting Security Technology Providers

    ERIC Educational Resources Information Center

    Schneider, Tod

    2009-01-01

    The world of security technology holds great promise, but it is fraught with opportunities for expensive missteps and misapplications. The quality of the security technology consultants and system integrators one uses will have a direct bearing on how well his school masters this complex subject. Security technology consultants help determine…

  13. Homeland Security and Information.

    ERIC Educational Resources Information Center

    Relyea, Harold C.

    2002-01-01

    Reviews the development of two similar policy concepts, national security and internal security, before exploring the new phrase homeland security that has become popular since the September 11 terrorist attacks. Discusses the significance of each for information policy and practice. (Author/LRW)

  14. Filling a Security Gap

    ERIC Educational Resources Information Center

    Parks and Recreation, 1978

    1978-01-01

    A new type of public facility security system, utilizing a radio system and voice logging recorder, has effectively improved security at the John F. Kennedy Center for the Performing Arts. The system monitors security operations, provides a reliable record in the case of conflicting claims, and accurately pinpoints the time of events. (DS)

  15. Neural antecedents of financial decisions.

    PubMed

    Knutson, Brian; Bossaerts, Peter

    2007-08-01

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

  16. Secure Transportation Management

    SciTech Connect

    Gibbs, P. W.

    2014-10-15

    Secure Transport Management Course (STMC) course provides managers with information related to procedures and equipment used to successfully transport special nuclear material. This workshop outlines these procedures and reinforces the information presented with the aid of numerous practical examples. The course focuses on understanding the regulatory framework for secure transportation of special nuclear materials, identifying the insider and outsider threat(s) to secure transportation, organization of a secure transportation unit, management and supervision of secure transportation units, equipment and facilities required, training and qualification needed.

  17. Information Security Management (ISM)

    NASA Astrophysics Data System (ADS)

    Šalgovičová, Jarmila; Prajová, Vanessa

    2012-12-01

    Currently, all organizations have to tackle the issue of information security. The paper deals with various aspects of Information Security Management (ISM), including procedures, processes, organizational structures, policies and control processes. Introduction of Information Security Management should be a strategic decision. The concept and implementation of Information Security Management in an organization are determined by the corporate needs and objectives, security requirements, the processes deployed as well as the size and structure of the organization. The implementation of ISM should be carried out to the extent consistent with the needs of the organization.

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

    PubMed

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

    2012-08-01

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

  19. Computer Security Systems Enable Access.

    ERIC Educational Resources Information Center

    Riggen, Gary

    1989-01-01

    A good security system enables access and protects information from damage or tampering, but the most important aspects of a security system aren't technical. A security procedures manual addresses the human element of computer security. (MLW)

  20. Fractal properties of financial markets

    NASA Astrophysics Data System (ADS)

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

    2014-09-01

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

  1. Financial Implications of Curriculum Range.

    ERIC Educational Resources Information Center

    Harrold, Ross

    1978-01-01

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

  2. The American Indian and Alaska Native Higher Education Funding Guide. A Financial Guide to Undergraduate and Graduate Sources of Funding for American Indians and Alaska Natives.

    ERIC Educational Resources Information Center

    Frazier, Gregory W.

    This book provides American Indian and Alaska Native students with sources for securing financial aid for higher education. The first section covers sources of funding and grants for individuals who are pursuing undergraduate degrees. This financial support includes scholarships with state residency requirements, general undergraduate…

  3. Balancing Security and Learning. School Security Supplement.

    ERIC Educational Resources Information Center

    Kennedy, Mike

    2002-01-01

    Discusses ways to provide vital safety to schools without inhibiting the learning environment for students. Describes security efforts at Orange County, Florida schools, such as using video cameras, school police officers, and access-control systems. (EV)

  4. Securing collaborative environments

    SciTech Connect

    Agarwal, Deborah; Jackson, Keith; Thompson, Mary

    2002-05-16

    The diverse set of organizations and software components involved in a typical collaboratory make providing a seamless security solution difficult. In addition, the users need support for a broad range of frequency and locations for access to the collaboratory. A collaboratory security solution needs to be robust enough to ensure that valid participants are not denied access because of its failure. There are many tools that can be applied to the task of securing collaborative environments and these include public key infrastructure, secure sockets layer, Kerberos, virtual and real private networks, grid security infrastructure, and username/password. A combination of these mechanisms can provide effective secure collaboration capabilities. In this paper, we discuss the requirements of typical collaboratories and some proposals for applying various security mechanisms to collaborative environments.

  5. 31 CFR 1023.540 - Voluntary information sharing among financial institutions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... BROKERS OR DEALERS IN SECURITIES Special Information Sharing Procedures To Deter Money Laundering and... 31 Money and Finance:Treasury 3 2014-07-01 2014-07-01 false Voluntary information sharing among financial institutions. 1023.540 Section 1023.540 Money and Finance: Treasury Regulations Relating to...

  6. 31 CFR 1023.540 - Voluntary information sharing among financial institutions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... BROKERS OR DEALERS IN SECURITIES Special Information Sharing Procedures To Deter Money Laundering and... 31 Money and Finance:Treasury 3 2013-07-01 2013-07-01 false Voluntary information sharing among financial institutions. 1023.540 Section 1023.540 Money and Finance: Treasury Regulations Relating to...

  7. 77 FR 33539 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-06

    ...\\ See Securities Exchange Act Release No. 66508 (March 2, 2012), 77 FR 14052. \\4\\ See March 14, 2012... FINRA should delete references to a business plan, pro forma financials, organization chart, and written... comments raised by the commenters regarding the format of the Form, as well as content issues,...

  8. 77 FR 43620 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-07-25

    ... Securities Exchange Act Release No. 67085 (May 31, 2012), 77 FR 33537. \\4\\ See Letters to Elizabeth M. Murphy... Designation of a Longer Period for Commission Action on Proposed Rule Change Relating to the Handling of Stop and Stop Limit Orders July 19, 2012. On May 24, 2012, Financial Industry Regulatory Authority,...

  9. 78 FR 40792 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-07-08

    ... offering of the issuer; acting as a financial adviser in a merger or acquisition; providing venture capital..., 2012), 77 FR 20452 (April 4, 2012) (Notice of Filing of Amendment No. 3 and Order Granting Accelerated... Rule 351. See Securities Exchange Act Release No. 63260 (November 5, 2010), 75 FR 69508 (November...

  10. 76 FR 41537 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-14

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate Effectiveness of Proposed Rule Change To Implement Revolving Door Restrictions on Former Officers of FINRA July 8, 2011. Pursuant...

  11. 17 CFR 39.40 - Consistency with the Principles for Financial Market Infrastructures.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... Principles for Financial Market Infrastructures. 39.40 Section 39.40 Commodity and Securities Exchanges... Market Infrastructures. This subpart C is intended to establish standards which, together with subparts A... Market Infrastructures published by the Committee on Payment and Settlement Systems and the Board of...

  12. Update: New Federal Financial Accounting for State and Local School Systems Due Out Soon.

    ERIC Educational Resources Information Center

    Sielke, Catherine C.

    2002-01-01

    Reports on several changes in the 2002 edition (forthcoming) of the federal government accounting handbook "Federal Financial Accounting for State and Local School Systems." Includes brief summary of "Emerging Issues" section of the handbook that addresses issues such as alternative revenues, charter schools, school safety and security,…

  13. 75 FR 27471 - Treatment by the Federal Deposit Insurance Corporation as Conservator or Receiver of Financial...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-05-17

    ... in an amount equal to the par value of the outstanding obligations on the date of receivership will... assets included in the securitization by paying damages in an amount equal to the par value of the..., losses on purchased mortgage and asset- backed securities, severe declines in financial asset values...

  14. 76 FR 82014 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-29

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of... Analysis Tools), 2215 (Communications With the Public Regarding Security Futures), and 2216 (Communications...), 76 FR 46870 (August 3, 2011). \\4\\ Comment letters are available at www.sec.gov . \\5\\ See letter...

  15. 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.... \\1\\ 15 U.S.C. 78s(b)(1). \\2\\ 17 CFR 240.19b-4. I. Self-Regulatory Organization's Statement of...

  16. 17 CFR 210.3-02 - Consolidated statements of income and changes in financial positions.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Consolidated statements of... General Instructions As to Financial Statements § 210.3-02 Consolidated statements of income and changes... consolidated and for its predecessors, audited statements of income and cash flows for each of the three...

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

    ERIC Educational Resources Information Center

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

    2008-01-01

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

  18. 17 CFR 1.52 - Self-regulatory organization adoption and surveillance of minimum financial requirements.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... requirements; and (2) Of the identity of the designated self-regulatory organization that has been delegated... 17 Commodity and Securities Exchanges 1 2014-04-01 2014-04-01 false Self-regulatory organization... Miscellaneous § 1.52 Self-regulatory organization adoption and surveillance of minimum financial...

  19. 76 FR 46340 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-08-02

    ... Securities Exchange Act Release No. 59921 (May 14, 2009), 74 FR 23912 (May 21, 2009) (``Notice''). I. Self... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of... (October 21, 2010); 75 FR 66173 (October 27, 2010) (Order Granting Accelerated Approval of Proposed...

  20. 17 CFR 1.52 - Self-regulatory organization adoption and surveillance of minimum financial requirements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... (ii) of the identity of the designated self-regulatory organization which has been delegated... 17 Commodity and Securities Exchanges 1 2010-04-01 2010-04-01 false Self-regulatory organization... Miscellaneous § 1.52 Self-regulatory organization adoption and surveillance of minimum financial...

  1. 78 FR 72946 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-04

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of....19b-4. \\3\\ See Securities Exchange Act Release No. 70312 (Sept. 4, 2013), 78 FR 55322 (Sept. 10, 2013... the identity of the beneficial owners of the fund of funds invested in the account. Thus, in...

  2. 75 FR 31825 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-04

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of Proposed Rule Change To Adopt FINRA Rule 5121 (Public Offerings of Securities With Conflicts of Interest... Organization's Statement of the Terms of Substance of the Proposed Rule Change FINRA is proposing to adopt...

  3. 76 FR 67236 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-10-31

    ... COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and... Securities Positions in Connection With Certain Corporate Control Transactions October 25, 2011. Pursuant to... interested persons. \\1\\ 15 U.S.C. 78s(b)(1). \\2\\ 17 CFR 240.19b-4. \\3\\ 17 CFR 240.19b-4(f)(6). I....

  4. 76 FR 77034 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-09

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Order Granting Accelerated Approval of Proposed Rule Change To Amend FINRA Rule 4512 (Customer Account Information) December 5, 2011....

  5. 31 CFR 370.7 - How can my financial institution change my designated deposit account?

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... DEBT ELECTRONIC TRANSACTIONS AND FUNDS TRANSFERS RELATING TO UNITED STATES SECURITIES Credit ACH... institution requests us to make a change in your deposit account number or type of your account, we will.... The financial institution's request will be deemed an agreement by the institution to indemnify us...

  6. 31 CFR 370.7 - How can my financial institution change my designated deposit account?

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... DEBT ELECTRONIC TRANSACTIONS AND FUNDS TRANSFERS RELATING TO UNITED STATES SECURITIES Credit ACH... institution requests us to make a change in your deposit account number or type of your account, we will.... The financial institution's request will be deemed an agreement by the institution to indemnify us...

  7. 31 CFR 370.7 - How can my financial institution change my designated deposit account?

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... DEBT ELECTRONIC TRANSACTIONS AND FUNDS TRANSFERS RELATING TO UNITED STATES SECURITIES Credit ACH... institution requests us to make a change in your deposit account number or type of your account, we will.... The financial institution's request will be deemed an agreement by the institution to indemnify us...

  8. The Impact of International Financial Reporting Standards on Accounting Curriculum in the United States

    ERIC Educational Resources Information Center

    Yallapragada, RamMohan R.; Toma, Alfred G.; Roe, C. William

    2011-01-01

    According to the time line presently specified by the Securities and Exchange Commission (SEC), business firms in the United States (US) should switch from the existing US accounting reporting guidelines of the Generally Accepted Accounting Principles (GAAP) to International Financial Reporting Standards (IFRS) by the year 2014. The US business…

  9. 75 FR 80556 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-22

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate Effectiveness of Proposed Rule Change To Update a Cross-Reference in FINRA Rule 2232 (Customer Confirmations) December 16,...

  10. 75 FR 62904 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-13

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing and Immediate Effectiveness of Proposed Rule Change To Reconcile Certain Amendments Approved Pursuant to SR-FINRA-2009-061 and...

  11. 45 CFR 235.60 - Federal financial participation (FFP) for State and local training.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... programs in all jurisdictions under title I, IV-A, X, XIV, or XVI (AABD) of the Social Security Act. ... FAMILY ASSISTANCE (ASSISTANCE PROGRAMS), ADMINISTRATION FOR CHILDREN AND FAMILIES, DEPARTMENT OF HEALTH AND HUMAN SERVICES ADMINISTRATION OF FINANCIAL ASSISTANCE PROGRAMS § 235.60 Federal...

  12. 76 FR 58227 - Passenger Vessel Operator Financial Responsibility Requirements for Nonperformance of Transportation

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-09-20

    ... Regarding Passenger Vessel Responsibility, 74 FR 65125 (December 9, 2009). \\3\\ Federal Maritime Commission, Notice of Public Hearing, Passenger Vessel Financial Responsibility, 75 FR 7599 (February 22, 2010). A... Docket No. 90-01, Security for the Protection of the Public, Maximum Required Performance Amount, 55...

  13. Farm Equipment Leasing. A New Financial Strategy. Staff Report No. AGES870302.

    ERIC Educational Resources Information Center

    Serletis, William S.

    For farmers with high debt/asset ratios, leasing is an attractive option for securing the use of farm machinery. Under the current tax laws, financial leasing carries lower after-tax costs than loan purchasing. By size, farms with more than $500,000 in sales had the highest proportion of U.S. expenditures for farm equipment leasing. By region, the…

  14. 75 FR 62911 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-13

    ... Securities Exchange Act Release No. 62655 (August 5, 2010), 75 FR 48731 (August 11, 2010). \\4\\ See Letter... that cannot be relocated to another financial institution, such as many limited partnership or hedge fund investments, FINRA is proposing new paragraph (b)(2) of the rule, which provides that the...

  15. 77 FR 74249 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-12-13

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of Proposed Rule Change To Establish Optional TRACE Data Delivery Services and Related Fees December 7, 2012. Pursuant to Section 19(b)(1) of...

  16. 17 CFR 31.13 - Financial reports of leverage transaction merchants.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... transaction merchants. 31.13 Section 31.13 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION LEVERAGE TRANSACTIONS § 31.13 Financial reports of leverage transaction merchants. (a) Each leverage transaction merchant who files an application for registration with the National...

  17. 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

    ... FR 41774 (August 18, 2009). \\4\\ See letter from Frederick T. Greene, Woodforest Financial Services...), 62 FR 60542, 60547 (November 10, 1997) (Approval Order). The Gramm-Leach Bliley Act and Regulation R...\\ See 17 CFR 247.701(a)(3). See also Securities Exchange Act Release No. 56501, 72 FR 56514,...

  18. 12 CFR 390.384 - Financial statements for conversions, SEC filings, and offering circulars.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) Changes in stockholders' equity shall be disclosed in accordance with the requirements of 17 CFR 210.3-04... part of: (a) A conversion application under 12 CFR part 192 including financial statements in proxy... capital certificates under 12 CFR 163.74 and debt securities under § 390.341. Appendix to §...

  19. Reading and understanding financial statements.

    PubMed

    White, Joseph P

    2005-01-01

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

  20. What is Security? A perspective on achieving security

    SciTech Connect

    Atencio, Julian J.

    2014-05-05

    This presentation provides a perspective on achieving security in an organization. It touches upon security as a mindset, ability to adhere to rules, cultivating awareness of the reason for a security mindset, the quality of a security program, willingness to admit fault or acknowledge failure, peer review in security, science as a model that can be applied to the security profession, the security vision, security partnering, staleness in the security program, security responsibilities, and achievement of success over time despite the impossibility of perfection.

  1. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  2. 7 CFR 4279.137 - Financial statements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  3. 7 CFR 3430.56 - Financial reporting.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  4. 29 CFR 4010.9 - Financial information.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

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

  5. 14 CFR 1260.26 - Financial management.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

  6. 14 CFR 1260.26 - Financial management.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  7. 14 CFR 1260.26 - Financial management.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  8. Financial Management and Young Australian Workers

    ERIC Educational Resources Information Center

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

    2008-01-01

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

  9. 12 CFR 563.172 - Financial derivatives.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  10. Adult Financial Capability Framework. Second Edition

    ERIC Educational Resources Information Center

    Basic Skills Agency, 2006

    2006-01-01

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

  11. 14 CFR 1260.26 - Financial management.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  12. 25 CFR 700.455 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  13. 31 CFR 29.524 - Financial hardship.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  14. 31 CFR 226.6 - Financial reports.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  15. 38 CFR 21.6260 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  16. Adolescents' Financial Literacy: The Role of Financial Socialization Agents, Financial Experiences, and Money Attitudes in Shaping Financial Literacy among South Korean Youth

    ERIC Educational Resources Information Center

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

    2012-01-01

    The purpose of this study was to test the relationships between financial socialization agents, financial experiences, money attitudes, demographic characteristics, and the financial literacy of Korean adolescents. Using the 2006 Korean National Financial Literacy Test Survey for Adolescents (N = 1185), a series of regression analyses were…

  17. PACS image security server

    NASA Astrophysics Data System (ADS)

    Cao, Fei; Huang, H. K.

    2004-04-01

    Medical image security in a PACS environment has become a pressing issue as communications of images increasingly extends over open networks, and hospitals are currently hard-pushed by Health Insurance Portability and Accountability Act (HIPAA) to be HIPPA complaint for ensuring health data security. Other security-related guidelines and technical standards continue bringing to the public attention in healthcare. However, there is not an infrastructure or systematic method to implement and deploy these standards in a PACS. In this paper, we first review DICOM Part15 standard for secure communications of medical images and the HIPAA impacts on PACS security, as well as our previous works on image security. Then we outline a security infrastructure in a HIPAA mandated PACS environment using a dedicated PACS image security server. The server manages its own database of all image security information. It acts as an image Authority for checking and certificating the image origin and integrity upon request by a user, as a secure DICOM gateway to the outside connections and meanwhile also as a PACS operation monitor for HIPAA supporting information.

  18. The Children's Development Commission Act--H.R. 3637. Field Hearing before the Subcommittee on Capital Markets, Securities and Government Sponsored Enterprises of the Committee on Banking and Financial Services. U.S. House of Representatives, One Hundred Fifth Congress, Second Session.

    ERIC Educational Resources Information Center

    Congress of the U.S., Washington, DC. House Committee on Banking and Financial Services.

    This document presents testimony from the June 1998 hearing on the Children's Development Act (H.R. 3637) held before the Subcommittee on Capital Markets, Securities and Government Sponsored Enterprises. H.R. 3637 encourages the lending of resources to child care facilities by allowing a bank or lender access to a federal reinsurance program that…

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

    ERIC Educational Resources Information Center

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

    2014-01-01

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

  20. 78 FR 29399 - ERNY Financial ETF Trust and ERNY Financial Advisors, LLC; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-20

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

  1. Security challenge to using smartphones for SHM

    NASA Astrophysics Data System (ADS)

    Abueh, Yeka; Liu, Hong

    2016-04-01

    Pervasive smartphones have demonstrated great potential in structural health monitoring (SHM) of civil infrastructures. Their sensing, processing, and communication capabilities along with crowdsourcing facility ease technical difficulties and reduce financial burdens of instrumentation and monitoring for SHM in civil infrastructures. However, smartphones are vulnerable to unintentional misuses and malicious attacks. This paper analyzes the vulnerabilities of smartphones in performing SHM and reveals the exploitation of those vulnerabilities. The work probes the attack surface of both devices and data. Device attack scenarios include hacking individual smartphones to modify the data stored on them and orchestrating smartphones to launch a distributed denial-of-service attack. Specifically, experiments are conducted to remotely access an Android smartphone and modify the sensing data of structural health stored on it. The work also presents a case study that reveals the sensitivity of a popular perturbation analysis method to faulty data delivered by a smartphone. The paper provides the direction of meeting the security challenge to using smartphones for SHM. As the first line of defense, device authentication is implemented in the smartphone to stop spoofing. Subsequently, message authentication is devised to maintain data integrity. There is a need to apply data science for the SHM immunity system against the sensitivity to data inaccuracy. The work also evaluates the cost-effectiveness of the proposed security measures, recommending varying levels of security to mitigate the adversaries to smartphones used in SHM systems. It calls for security solutions at the design stage of SHM systems rather than patching up after their implementations.

  2. Addressing Software Security

    NASA Technical Reports Server (NTRS)

    Bailey, Brandon

    2015-01-01

    Historically security within organizations was thought of as an IT function (web sites/servers, email, workstation patching, etc.) Threat landscape has evolved (Script Kiddies, Hackers, Advanced Persistent Threat (APT), Nation States, etc.) Attack surface has expanded -Networks interconnected!! Some security posture factors Network Layer (Routers, Firewalls, etc.) Computer Network Defense (IPS/IDS, Sensors, Continuous Monitoring, etc.) Industrial Control Systems (ICS) Software Security (COTS, FOSS, Custom, etc.)

  3. [The Argentine Health System: organization and financial features].

    PubMed

    Arce, Hugo E

    2012-01-01

    The Argentine health system is defined by the following features: a) federal country organization; b) coexistence of public and private services with either outpatients or inpatients; c) fragmented entities of social security, most of these originated outside of the state organization. Components of the system are described and weighed; making decisions strength between national and provincial health authorities is analyzed and the Argentine system is compared with that of other countries. Statistical data on distribution of health expenditures and coverage of health services are presented as well as financial flow among diverse funding sources, insurers, providers and users of each sector. PMID:23089118

  4. Retirement security: It's not just about the money.

    PubMed

    James, Jacquelyn Boone; Matz-Costa, Christina; Smyer, Michael A

    2016-01-01

    Retirement security is not just about the money. Although there are many guidelines for financial security, there are few for crafting a rewarding life in the new era of longevity and health. With the meaning of "retirement" being actively redefined, there is a gap between what older adults want and need and what their employers and policymakers are offering. Retirement security in its broadest sense requires programs and policies that encourage and support flexible work that allow some choice and control over when, where, and how work gets done, and which work tasks are assumed by which employees or work teams, self-employment, and formal and informal volunteer work. This article has 3 purposes: (a) to summarize the current context of retirement, (b) to identify barriers to psychological security in later life, and (c) to suggest how psychologists can support the rewriting of the retirement chapter for future retirees. (PsycINFO Database Record PMID:27159440

  5. Retirement security: It's not just about the money.

    PubMed

    James, Jacquelyn Boone; Matz-Costa, Christina; Smyer, Michael A

    2016-01-01

    Retirement security is not just about the money. Although there are many guidelines for financial security, there are few for crafting a rewarding life in the new era of longevity and health. With the meaning of "retirement" being actively redefined, there is a gap between what older adults want and need and what their employers and policymakers are offering. Retirement security in its broadest sense requires programs and policies that encourage and support flexible work that allow some choice and control over when, where, and how work gets done, and which work tasks are assumed by which employees or work teams, self-employment, and formal and informal volunteer work. This article has 3 purposes: (a) to summarize the current context of retirement, (b) to identify barriers to psychological security in later life, and (c) to suggest how psychologists can support the rewriting of the retirement chapter for future retirees. (PsycINFO Database Record

  6. Beyond grid security

    NASA Astrophysics Data System (ADS)

    Hoeft, B.; Epting, U.; Koenig, T.

    2008-07-01

    While many fields relevant to Grid security are already covered by existing working groups, their remit rarely goes beyond the scope of the Grid infrastructure itself. However, security issues pertaining to the internal set-up of compute centres have at least as much impact on Grid security. Thus, this talk will present briefly the EU ISSeG project (Integrated Site Security for Grids). In contrast to groups such as OSCT (Operational Security Coordination Team) and JSPG (Joint Security Policy Group), the purpose of ISSeG is to provide a holistic approach to security for Grid computer centres, from strategic considerations to an implementation plan and its deployment. The generalised methodology of Integrated Site Security (ISS) is based on the knowledge gained during its implementation at several sites as well as through security audits, and this will be briefly discussed. Several examples of ISS implementation tasks at the Forschungszentrum Karlsruhe will be presented, including segregation of the network for administration and maintenance and the implementation of Application Gateways. Furthermore, the web-based ISSeG training material will be introduced. This aims to offer ISS implementation guidance to other Grid installations in order to help avoid common pitfalls.

  7. 30 CFR 285.526 - What instruments other than a surety bond may I use to meet the financial assurance requirement?

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... value of your security as determined in accordance with the 31 CFR part 203 Collateral Margins Table... FACILITIES ON THE OUTER CONTINENTAL SHELF Payments and Financial Assurance Requirements Requirements for... following: (1) U.S. Department of Treasury securities identified in 31 CFR part 225; (2) Cash in an...

  8. Measuring the Effectiveness of Information Security Training: A Comparative Analysis of Computer-Based Training and Instructor-Based Training

    ERIC Educational Resources Information Center

    Kim, Philip

    2010-01-01

    Financial institutions are increasingly finding difficulty defending against information security risks and threats, as they are often the number one target for information thieves. An effective information security training and awareness program can be a critical component of protecting an organization's information assets. Many financial…

  9. 31 CFR 1023.410 - Additional records to be made and retained by brokers or dealers in securities.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... retained by brokers or dealers in securities. 1023.410 Section 1023.410 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Records Required To Be Maintained by Brokers or...

  10. 31 CFR 1023.210 - Anti-money laundering program requirements for brokers or dealers in securities.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... requirements for brokers or dealers in securities. 1023.210 Section 1023.210 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FINANCIAL CRIMES ENFORCEMENT NETWORK, DEPARTMENT OF THE TREASURY RULES FOR BROKERS OR DEALERS IN SECURITIES Programs § 1023.210 Anti-money laundering...

  11. 12 CFR 335.221 - Forms for registration of securities; optional forms for small business issuers; and...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Discussion and Analysis of Financial Condition and Results of Operations can be found in at 17 CFR 229.300... Securities and Exchange Commission (17 CFR part 228). The definition of “small business issuer,” generally... applicable forms for registration of securities and similar matters are codified in subpart C of 17 CFR...

  12. 17 CFR 250.47 - Exemption of public utility subsidiaries as to certain securities issued to the Rural...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Exemption of public utility... REGULATIONS, PUBLIC UTILITY HOLDING COMPANY ACT OF 1935 Regulation and Exemption of Various Financial Transactions 2 § 250.47 Exemption of public utility subsidiaries as to certain securities issued to the...

  13. Center for computer security: Computer Security Group conference. Summary

    SciTech Connect

    Not Available

    1982-06-01

    Topics covered include: computer security management; detection and prevention of computer misuse; certification and accreditation; protection of computer security, perspective from a program office; risk analysis; secure accreditation systems; data base security; implementing R and D; key notarization system; DOD computer security center; the Sandia experience; inspector general's report; and backup and contingency planning. (GHT)

  14. Risks and responses to universal drinking water security.

    PubMed

    Hope, Robert; Rouse, Michael

    2013-11-13

    Risks to universal drinking water security are accelerating due to rapid demographic, climate and economic change. Policy responses are slow, uneven and largely inadequate to address the nature and scale of the global challenges. The challenges relate both to maintaining water security in increasingly fragile supply systems and to accelerating reliable access to the hundreds of millions who remain water-insecure. A conceptual framework illustrates the relationship between institutional, operational and financial risks and drinking water security outcomes. We apply the framework to nine case studies from rural and urban contexts in South Asia and sub-Saharan Africa. Case studies are purposively selected based on established and emerging examples of political, technological or institutional reforms that address water security risks. We find broad evidence that improved information flows reduce institutional costs and promote stronger and more transparent operational performance to increase financial sustainability. However, political barriers need to be overcome in all cases through internal or external interventions that require often decadal time frames and catalytic investments. No single model exists, though there is sufficient evidence to demonstrate that risks to drinking water security can be reduced even in the most difficult and challenging contexts.

  15. Individuals’ Uncertainty about Future Social Security Benefits and Portfolio Choice

    PubMed Central

    Delavande, Adeline

    2013-01-01

    Summary Little is known about the degree to which individuals are uncertain about their future Social Security benefits, how this varies within the U.S. population, and whether this uncertainty influences financial decisions related to retirement planning. To illuminate these issues, we present empirical evidence from the Health and Retirement Study Internet Survey and document systematic variation in respondents’ uncertainty about their future Social Security benefits by individual characteristics. We find that respondents with higher levels of uncertainty about future benefits hold a smaller share of their wealth in stocks. PMID:23914049

  16. NSI security task: Overview

    NASA Technical Reports Server (NTRS)

    Tencati, Ron

    1991-01-01

    An overview is presented of the NASA Science Internet (NSI) security task. The task includes the following: policies and security documentation; risk analysis and management; computer emergency response team; incident handling; toolkit development; user consulting; and working groups, conferences, and committees.

  17. Network Security Is Manageable

    ERIC Educational Resources Information Center

    Roberts, Gary

    2006-01-01

    An effective systems librarian must understand security vulnerabilities and be proactive in preventing problems. Specifics of future attacks or security challenges cannot possibly be anticipated, but this paper suggests some simple measures that can be taken to make attacks less likely to occur: program the operating system to get automatic…

  18. Technology's Role in Security.

    ERIC Educational Resources Information Center

    Day, C. William

    1999-01-01

    Examines the use of technology to bolster the school security system, tips on selecting a security consultant, and several basic strategies to make buildings and grounds safer. Technological ideas discussed include the use of telephones in classrooms to expedite care in emergency situations, surveillance cameras to reduce crime, and metal…

  19. Developing a Security Profile.

    ERIC Educational Resources Information Center

    Woodcock, Chris

    1999-01-01

    Examines the questions schools should address when re-evaluating how to protect people, property, and assets. Questions addressed include where and how to begin to improve security in a school, getting the most protection economically, establishing where electronic security should be used, using surveillance cameras and systems, and what the role…

  20. School Security, 2000.

    ERIC Educational Resources Information Center

    Agron, Joe, Ed.; Anderson, Larry, Ed.

    This supplement, a collaboration of "American School & University" and "Access Control & Security Systems Integration" magazines, presents four articles examining equipment and management strategies to ensure school safety. "School Security by the Numbers" (Joe Agron; Larry Anderson) defines the parameters and quantifies the trend in the school…

  1. Secure video communications system

    DOEpatents

    Smith, Robert L.

    1991-01-01

    A secure video communications system having at least one command network formed by a combination of subsystems. The combination of subsystems to include a video subsystem, an audio subsystem, a communications subsystem, and a control subsystem. The video communications system to be window driven and mouse operated, and having the ability to allow for secure point-to-point real-time teleconferencing.

  2. School Safety and Security.

    ERIC Educational Resources Information Center

    California State Dept. of Education, Sacramento.

    This document offers additional guidelines for school facilities in California in the areas of safety and security, lighting, and cleanliness. It also offers a description of technology resources available on the World Wide Web. On the topic of safety and security, the document offers guidelines in the areas of entrances, doors, and controlled…

  3. Incidents of Security Concern

    SciTech Connect

    Atencio, Julian J.

    2014-05-01

    This presentation addresses incidents of security concern and an incident program for addressing them. It addresses the phases of an inquiry, and it divides incidents into categories based on severity and interest types based on whether security, management, or procedural interests are involved. A few scenarios are then analyzed according to these breakdowns.

  4. School Security Technologies

    ERIC Educational Resources Information Center

    Schneider, Tod

    2010-01-01

    Over the past decade electronic security technology has evolved from an exotic possibility into an essential safety consideration. Before resorting to high-tech security solutions, school officials should think carefully about the potential for unintended consequences. Technological fixes may be mismatched to the problems being addressed. They can…

  5. Security in the cloud.

    PubMed

    Degaspari, John

    2011-08-01

    As more provider organizations look to the cloud computing model, they face a host of security-related questions. What are the appropriate applications for the cloud, what is the best cloud model, and what do they need to know to choose the best vendor? Hospital CIOs and security experts weigh in.

  6. Water Security Toolkit

    SciTech Connect

    2012-09-11

    The Water Security Toolkit (WST) provides software for modeling and analyzing water distribution systems to minimize the potential impact of contamination incidents. WST wraps capabilities for contaminant transport, impact assessment, and sensor network design with response action plans, including source identification, rerouting, and decontamination, to provide a range of water security planning and real-time applications.

  7. Hydrological extremes and security

    NASA Astrophysics Data System (ADS)

    Kundzewicz, Z. W.; Matczak, P.

    2015-04-01

    Economic losses caused by hydrological extremes - floods and droughts - have been on the rise. Hydrological extremes jeopardize human security and impact on societal livelihood and welfare. Security can be generally understood as freedom from threat and the ability of societies to maintain their independent identity and their functional integrity against forces of change. Several dimensions of security are reviewed in the context of hydrological extremes. The traditional interpretation of security, focused on the state military capabilities, has been replaced by a wider understanding, including economic, societal and environmental aspects that get increasing attention. Floods and droughts pose a burden and serious challenges to the state that is responsible for sustaining economic development, and societal and environmental security. The latter can be regarded as the maintenance of ecosystem services, on which a society depends. An important part of it is water security, which can be defined as the availability of an adequate quantity and quality of water for health, livelihoods, ecosystems and production, coupled with an acceptable level of water-related risks to people, environments and economies. Security concerns arise because, over large areas, hydrological extremes - floods and droughts - are becoming more frequent and more severe. In terms of dealing with water-related risks, climate change can increase uncertainties, which makes the state's task to deliver security more difficult and more expensive. However, changes in population size and development, and level of protection, drive exposure to hydrological hazards.

  8. Addressing Information Security Risk

    ERIC Educational Resources Information Center

    Qayoumi, Mohammad H.; Woody, Carol

    2005-01-01

    Good information security does not just happen--and often does not happen at all. Resources are always in short supply, and there are always other needs that seem more pressing. Why? Because information security is hard to define, the required tasks are unclear, and the work never seems to be finished. However, the loss to the organization can be…

  9. Privacy and Security: A Bibliography.

    ERIC Educational Resources Information Center

    Computer and Business Equipment Manufacturers Association, Washington, DC.

    Compiled at random from many sources, this bibliography attempts to cite as many publications concerning privacy and security as are available. The entries are organized under seven headings: (1) systems security, technical security, clearance of personnel, (2) corporate physical security, (3) administrative security, (4) miscellaneous--privacy…

  10. Financial Crisis Criminal Investigation Act

    THOMAS, 113th Congress

    Rep. Kaptur, Marcy [D-OH-9

    2013-01-03

    01/25/2013 Referred to the Subcommittee on Crime, Terrorism, Homeland Security, And Investigations. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

  11. Network systems security analysis

    NASA Astrophysics Data System (ADS)

    Yilmaz, Ä.°smail

    2015-05-01

    Network Systems Security Analysis has utmost importance in today's world. Many companies, like banks which give priority to data management, test their own data security systems with "Penetration Tests" by time to time. In this context, companies must also test their own network/server systems and take precautions, as the data security draws attention. Based on this idea, the study cyber-attacks are researched throughoutly and Penetration Test technics are examined. With these information on, classification is made for the cyber-attacks and later network systems' security is tested systematically. After the testing period, all data is reported and filed for future reference. Consequently, it is found out that human beings are the weakest circle of the chain and simple mistakes may unintentionally cause huge problems. Thus, it is clear that some precautions must be taken to avoid such threats like updating the security software.

  12. Indirection and computer security.

    SciTech Connect

    Berg, Michael J.

    2011-09-01

    The discipline of computer science is built on indirection. David Wheeler famously said, 'All problems in computer science can be solved by another layer of indirection. But that usually will create another problem'. We propose that every computer security vulnerability is yet another problem created by the indirections in system designs and that focusing on the indirections involved is a better way to design, evaluate, and compare security solutions. We are not proposing that indirection be avoided when solving problems, but that understanding the relationships between indirections and vulnerabilities is key to securing computer systems. Using this perspective, we analyze common vulnerabilities that plague our computer systems, consider the effectiveness of currently available security solutions, and propose several new security solutions.

  13. International Nuclear Security

    SciTech Connect

    Doyle, James E.

    2012-08-14

    This presentation discusses: (1) Definitions of international nuclear security; (2) What degree of security do we have now; (3) Limitations of a nuclear security strategy focused on national lock-downs of fissile materials and weapons; (4) What do current trends say about the future; and (5) How can nuclear security be strengthened? Nuclear security can be strengthened by: (1) More accurate baseline inventories; (2) Better physical protection, control and accounting; (3) Effective personnel reliability programs; (4) Minimize weapons-usable materials and consolidate to fewer locations; (5) Consider local threat environment when siting facilities; (6) Implement pledges made in the NSS process; and (7) More robust interdiction, emergency response and special operations capabilities. International cooperation is desirable, but not always possible.

  14. Why Ecologists Should Care about Financial Markets.

    PubMed

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

    2015-10-01

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

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

    PubMed

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

    2015-01-01

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

  16. Flagging Economy Propels Financial Education

    ERIC Educational Resources Information Center

    Manzo, Kathleen Kennedy

    2008-01-01

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

  17. The Gift of Financial Insecurity

    ERIC Educational Resources Information Center

    Wilson, Eric G.

    2009-01-01

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

  18. Accounting Principles and Financial Statements.

    ERIC Educational Resources Information Center

    Robinson, Daniel D.

    1973-01-01

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

  19. Banking and Related Financial Services.

    ERIC Educational Resources Information Center

    Snyder, Les

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

  20. Riding out a Financial Storm

    ERIC Educational Resources Information Center

    Evans, Randy C.

    2012-01-01

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

  1. Investment Clubs Teach Financial Literacy

    ERIC Educational Resources Information Center

    Cook, Sheri

    2007-01-01

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

  2. Financial incentives and weight control.

    PubMed

    Jeffery, Robert W

    2012-11-01

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

  3. Changes in Journal Financial Management

    NASA Astrophysics Data System (ADS)

    Editorial Staff, Jce

    2009-06-01

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

  4. Your Audit and Financial Controls.

    ERIC Educational Resources Information Center

    Hatch, Mary B.; And Others

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

  5. Financial Dislocations among Divorcing Families.

    ERIC Educational Resources Information Center

    Little, Marilyn J.

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

  6. Financial Management in School Administration.

    ERIC Educational Resources Information Center

    Tronc, Keith, Ed.

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

  7. Financial incentives and weight control.

    PubMed

    Jeffery, Robert W

    2012-11-01

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

  8. Timely Teaching Tips: Financial Planning.

    ERIC Educational Resources Information Center

    Keast, Anne C.; Leth, Gwendolyn I.

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

  9. Financial debt of orthopedic residents.

    PubMed

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

    2012-04-01

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

  10. Financial debt of orthopedic residents.

    PubMed

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

    2012-04-01

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

  11. Financial Responsibilities of Governing Boards.

    ERIC Educational Resources Information Center

    Reed, William S.

    2001-01-01

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

  12. When Financial Exigency Justifies Dismissal.

    ERIC Educational Resources Information Center

    Weeks, Kent M.

    1980-01-01

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

  13. [Welfare and health in the century of social security].

    PubMed

    Westin, S

    1999-12-10

    Great achievements for public health in this century include penicillin, oral contraception, vaccination and transplantation, but the greatest contribution to the health of Norwegians may have been made by social security and the welfare state policies. The beneficial effects of social security include: less social inequality, a factor which in itself makes for better health, some degree of financial security for people who are ill and unable to support themselves or their families, universal availability of medical and health services. This paper explores the ideas and sources from which present-day social security legislation stems. The emergence of state based welfare legislation was inspired by developments in Germany under Bismarck; accident insurance for industrial workers was the first to be introduced in 1894. Several periods of active social security legislation followed at times when labour unions and socialist ideas were strong, supported, to some degree, by radical clergy and public health doctors. Social democratic governments, inspired by the British Beveridge plan towards the end of World War II, took the lead during the long post-war period until the mid 1970s. The Scandinavian model of social security is based on universal coverage and a single payer system. However, since the 1980s, as in other countries of Northern Europe, the social security system has come under pressure from market liberalism. Now at the turn of the century, increasing social inequalities cause some concern for the future of the welfare state. PMID:10827494

  14. Security of medical multimedia.

    PubMed

    Tzelepi, S; Pangalos, G; Nikolacopoulou, G

    2002-09-01

    The application of information technology to health care has generated growing concern about the privacy and security of medical information. Furthermore, data and communication security requirements in the field of multimedia are higher. In this paper we describe firstly the most important security requirements that must be fulfilled by multimedia medical data, and the security measures used to satisfy these requirements. These security measures are based mainly on modern cryptographic and watermarking mechanisms as well as on security infrastructures. The objective of our work is to complete this picture, exploiting the capabilities of multimedia medical data to define and implement an authorization model for regulating access to the data. In this paper we describe an extended role-based access control model by considering, within the specification of the role-permission relationship phase, the constraints that must be satisfied in order for the holders of the permission to use those permissions. The use of constraints allows role-based access control to be tailored to specifiy very fine-grained and flexible content-, context- and time-based access control policies. Other restrictions, such as role entry restriction also can be captured. Finally, the description of system architecture for a secure DBMS is presented.

  15. Oil company financial analysis in mechanical language

    SciTech Connect

    Johnston, D.A.

    1992-01-01

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

  16. Financial Literacy: A Critical Adult Education Appraisal

    ERIC Educational Resources Information Center

    English, Leona M.

    2014-01-01

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

  17. 7 CFR 550.53 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

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

    ERIC Educational Resources Information Center

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

    2008-01-01

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

  19. Financial, operational issues entangle Medicaid managed care.

    PubMed

    Kalkhof, C J

    1992-08-01

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

  20. Hydrological sciences and water security: An overview

    NASA Astrophysics Data System (ADS)

    Young, G.; Demuth, S.; Mishra, A.; Cudennec, C.

    2015-04-01

    This paper provides an introduction to the concepts of water security including not only the risks to human wellbeing posed by floods and droughts, but also the threats of inadequate supply of water in both quantity and quality for food production, human health, energy and industrial production, and for the natural ecosystems on which life depends. The overall setting is one of constant change in all aspects of Earth systems. Hydrological systems (processes and regimes) are changing, resulting from varying and changing precipitation and energy inputs, changes in surface covers, mining of groundwater resources, and storage and diversions by dams and infrastructures. Changes in social, political and economic conditions include population and demographic shifts, political realignments, changes in financial systems and in trade patterns. There is an urgent need to address hydrological and social changes simultaneously and in combination rather than as separate entities, and thus the need to develop the approach of `socio-hydrology'. All aspects of water security, including the responses of both UNESCO and the International Association of Hydrological Sciences (IAHS) to the concepts of socio-hydrology, are examined in detailed papers within the volume titled Hydrological Sciences and Water Security: Past, Present and Future.

  1. 24 CFR 1710.112 - Financial information.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

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

  2. 49 CFR 18.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  3. 29 CFR 97.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  4. 7 CFR 3016.41 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  5. 7 CFR 3430.56 - Financial reporting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  6. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  7. 22 CFR 17.5 - Financial hardship.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

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

  8. 48 CFR 828.7103 - Financial protection.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 48 Federal Acquisition Regulations System 5 2013-10-01 2013-10-01 false Financial protection. 828... Contracts 828.7103 Financial protection. (a) A contractor must have and maintain an amount of financial protection to cover liability to third persons and loss of or damage to the contractor's property that...

  9. 48 CFR 828.7103 - Financial protection.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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

  10. 48 CFR 828.7103 - Financial protection.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  11. Global Financial Crisis and Educational Restructuring

    ERIC Educational Resources Information Center

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

    2015-01-01

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

  12. Illiteracy, Financial Services and Social Exclusion.

    ERIC Educational Resources Information Center

    Hajaj, Khaldoun

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

  13. The Financial Literacy of Social Work Students

    ERIC Educational Resources Information Center

    Kindle, Peter A.

    2013-01-01

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

  14. 7 CFR 634.40 - Financial management.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  15. 7 CFR 634.40 - Financial management.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

  16. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

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

  17. 7 CFR 634.40 - Financial management.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  18. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

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

  19. Financial Reporting for Alabama Public Universities.

    ERIC Educational Resources Information Center

    Alabama State Commission on Higher Education, Montgomery.

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

  20. Employers' Perspectives of Employees' Personal Financial Literacy

    ERIC Educational Resources Information Center

    Davis, Rita; Carnes, Lana

    2005-01-01

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

  1. A Phenomenological Study of Financial Knowledge Application

    ERIC Educational Resources Information Center

    Nduku, Enita Bernice

    2012-01-01

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

  2. Financial management in leading health care systems.

    PubMed

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

    2000-01-01

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

  3. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

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

  4. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

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

  5. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

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

  6. 45 CFR 96.32 - Financial settlement.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

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

  7. 29 CFR 36.430 - Financial assistance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  8. Popular Financial Reports: Accountability through Readability.

    ERIC Educational Resources Information Center

    Anderson, Richard T.; Piotrowski, Craig L.

    1994-01-01

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

  9. 10 CFR 61.15 - Financial information.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 10 Energy 2 2013-01-01 2013-01-01 false Financial information. 61.15 Section 61.15 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) LICENSING REQUIREMENTS FOR LAND DISPOSAL OF RADIOACTIVE WASTE Licenses § 61.15 Financial information. The financial information must be sufficient to demonstrate that...

  10. 10 CFR 61.15 - Financial information.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 2 2010-01-01 2010-01-01 false Financial information. 61.15 Section 61.15 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) LICENSING REQUIREMENTS FOR LAND DISPOSAL OF RADIOACTIVE WASTE Licenses § 61.15 Financial information. The financial information must be sufficient to demonstrate that...

  11. 10 CFR 61.15 - Financial information.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

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

  12. 10 CFR 61.15 - Financial information.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 10 Energy 2 2014-01-01 2014-01-01 false Financial information. 61.15 Section 61.15 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) LICENSING REQUIREMENTS FOR LAND DISPOSAL OF RADIOACTIVE WASTE Licenses § 61.15 Financial information. The financial information must be sufficient to demonstrate that...

  13. 10 CFR 61.15 - Financial information.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 10 Energy 2 2012-01-01 2012-01-01 false Financial information. 61.15 Section 61.15 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) LICENSING REQUIREMENTS FOR LAND DISPOSAL OF RADIOACTIVE WASTE Licenses § 61.15 Financial information. The financial information must be sufficient to demonstrate that...

  14. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

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

  15. 7 CFR 247.27 - Financial management.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  16. 7 CFR 634.40 - Financial management.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

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

  17. Transmittal Letters: Communicating the Financial Picture.

    ERIC Educational Resources Information Center

    Piotrowski, Craig L.

    1987-01-01

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

  18. Understanding Personal and Family Financial Planning Education.

    ERIC Educational Resources Information Center

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

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

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

    Code of Federal Regulations, 2010 CFR

    2010-07-01

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

  20. 48 CFR 32.108 - Financial consultation.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

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