Sample records for total items borrowed

  1. Modeling Lexical Borrowability.

    ERIC Educational Resources Information Center

    van Hout, Roeland; Muysken, Pieter

    1994-01-01

    Develops analytical techniques to determine "borrowability," the ease with which a lexical item or category of lexical items can be borrowed by one language from another. These techniques are then applied to Spanish borrowings in Bolivian Quechua on the basis of a set of bilingual texts. (29 references) (MDM)

  2. The neurocognitive basis of borrowed context information.

    PubMed

    O'Neill, Meagan; Diana, Rachel A

    2017-06-01

    Falsely remembered items can be accompanied by episodic context retrieval. This finding is difficult to explain because there is no episode that binds the remembered item to the experimenter-controlled context features. The current study examines the neural correlates of false context retrieval when the context features can be traced to encoding episodes of semantically-similar items. Our neuroimaging results support a "dissociated source" mechanism for context borrowing in false memory. We found that parahippocampal cortex (PHc) activation, thought to indicate context retrieval, was greater during trials that involved context borrowing (an incorrect, but plausible source decision) than during baseline correct context retrieval. In contrast, hippocampal activation, thought to indicate retrieval of an episodic binding, was stronger during correct source retrieval than during context borrowing. Vivid context retrieval during false recollection experiences was also indicated by increased activation in visual perceptual regions for context borrowing as compared to other incorrect source judgments. The pattern of findings suggests that context borrowing can arise when unusually strong activation of a semantically-related item's contextual features drives relatively weak retrieval of the associated episodic binding with failure to confirm the item information within that binding. This dissociated source retrieval mechanism suggests that context-driven episodic retrieval does not necessarily lead to retrieval of specific item details. That is, source information can be retrieved in the absence of item memory. Copyright © 2017 Elsevier Ltd. All rights reserved.

  3. Testing the Nonce Borrowing Hypothesis: Counter-Evidence from English-Origin Verbs in Welsh

    ERIC Educational Resources Information Center

    Stammers, Jonathan R.; Deuchar, Margaret

    2012-01-01

    According to the nonce borrowing hypothesis (NBH), "[n]once borrowings pattern exactly like their native counterparts in the (unmixed) recipient language" (Poplack & Meechan, 1998a, p. 137). Nonce borrowings (Sankoff, Poplack & Vanniarajan, 1990, p. 74) are "lone other-language items" which differ from established borrowings in terms of frequency…

  4. Compelling Untruths: Content Borrowing and Vivid False Memories

    ERIC Educational Resources Information Center

    Lampinen, James Michael; Meier, Christopher R.; Arnal, Jack D.; Leding, Juliana K.

    2005-01-01

    False memories are sometimes accompanied by surprisingly vivid experiential detail that makes them difficult to distinguish from actual memories. Such strikingly real false memories may be produced by a process called content borrowing in which details from presented items are errantly borrowed to corroborate the occurrence of the false memory…

  5. 7 CFR 1710.203 - Requirement to prepare a load forecast-distribution borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ...—distribution borrowers. (a) A distribution borrower that is a member of a power supply borrower with a total... forecast work plan of its power supply borrower. (b) A distribution borrower that is a member of a power supply borrower which is itself a member of another power supply borrower that has a total utility plant...

  6. 12 CFR Appendix A to Part 193 - Financial Statement Line Items

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ..., (ii) commercial paper, and (iii) other short-term borrowings. (b) Federal funds purchased and sales of... financial statements. The amount of these lines of credit which support a commercial paper borrowing..., including Federal funds purchased, securities sold under agreements to repurchase, commercial paper, and...

  7. 7 CFR 1710.207 - RUS criteria for approval of load forecasts by distribution borrowers not required to maintain an...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... distribution borrowers that are unaffiliated with a power supply borrower, or by distribution borrowers that are members of a power supply borrower that has a total utility plant less than $500 million and that is not itself a member of another power supply borrower with a total utility plant of $500 million or...

  8. 7 CFR 1744.66 - The financial requirement statement (FRS).

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... amount, exclusive of the amount for class B stock, of each loan advance, at the time of such advance. (5) Operating expenses—(i) Working capital—new system. Based on the borrower's itemized estimate. (ii) Current... part 1753. (iv) Real estate. Upon request by the borrower after submission of evidence of a valid title...

  9. Rehearsal strategies can enlarge or diminish the spacing effect: pure versus mixed lists and encoding strategy.

    PubMed

    Delaney, Peter F; Verkoeijen, Peter P J L

    2009-09-01

    Using 5 experiments, the authors explored the dependency of spacing effects on rehearsal patterns. Encouraging rehearsal borrowing produced opposing effects on mixed lists (containing both spaced and massed repetitions) and pure lists (containing only one or the other), magnifying spacing effects on mixed lists but diminishing spacing effects on pure lists. Rehearsing with borrowing produced large spacing effects on mixed lists but not on pure lists for both free recall (Experiment 1) and recognition (Experiment 2). In contrast, rehearsing only the currently visible item produced spacing effects on both mixed lists and pure lists in free recall (Experiment 3) and recognition (Experiment 4). Experiment 5 demonstrated these effects using a fully within-subjects design. Rehearse-aloud protocols showed that rehearsal borrowing redistributed study from massed to spaced items on mixed lists, especially during massed presentations. (c) 2009 APA, all rights reserved.

  10. The Integration of Lone English Nouns into Bilingual Sonoran Spanish

    ERIC Educational Resources Information Center

    Bessett, Ryan M.

    2017-01-01

    Using data from Arizona, United States, the present study seeks to further our understanding of lone other language items (LOLIs) in bilingual discourse and their status as either borrowings or codeswitches by measuring the degree of incorporation that can indicate a LOLI's status as a borrowing or codeswitching. To accomplish this aim, nouns from…

  11. 46 CFR 298.21 - Limits.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... customarily be capitalized as Vessel or Shipyard Project construction costs such as designing, engineering...) Cost items include those items usually specified in Vessel or Shipyard Project construction contracts... fees and interest on the Obligations or other borrowings incurred during the construction period...

  12. 46 CFR 298.21 - Limits.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... customarily be capitalized as Vessel or Shipyard Project construction costs such as designing, engineering...) Cost items include those items usually specified in Vessel or Shipyard Project construction contracts... fees and interest on the Obligations or other borrowings incurred during the construction period...

  13. 46 CFR 298.21 - Limits.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... customarily be capitalized as Vessel or Shipyard Project construction costs such as designing, engineering...) Cost items include those items usually specified in Vessel or Shipyard Project construction contracts... fees and interest on the Obligations or other borrowings incurred during the construction period...

  14. 34 CFR 685.213 - Total and permanent disability discharge.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... Loan based on a total and permanent disability, a borrower must submit a discharge application to the..., who is a doctor of medicine or osteopathy legally authorized to practice in a State, that the borrower... require the borrower to submit additional medical evidence if the Secretary determines that the borrower's...

  15. 34 CFR 685.213 - Total and permanent disability discharge.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... Loan based on a total and permanent disability, a borrower must submit a discharge application to the..., who is a doctor of medicine or osteopathy legally authorized to practice in a State, that the borrower... require the borrower to submit additional medical evidence if the Secretary determines that the borrower's...

  16. 34 CFR 682.209 - Repayment of a loan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... a borrower who is a member of a reserve component of the Armed Forces named in section 10101 of... borrower's expected total monthly gross income received by the borrower from employment and from other... the most recent total monthly gross income received by the borrower from employment and from other...

  17. 34 CFR 685.213 - Total and permanent disability discharge.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Total and permanent disability discharge. 685.213... § 685.213 Total and permanent disability discharge. (a) General. (1) A borrower's Direct Loan is... on a total and permanent disability, a borrower must submit a discharge application to the Secretary...

  18. 77 FR 20796 - Annual Updates to the Income Contingent Repayment (ICR) Plan Formula for 2011; William D. Ford...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-06

    ... Amounts General notes about the examples in this attachment: The interest rates used in the examples are... in this attachment. For married borrowers, the outstanding balance on the loans of each borrower and... proportion as that borrower's debt to the total outstanding balance. Each borrower is billed separately. For...

  19. 7 CFR 1710.202 - Requirement to prepare a load forecast-power supply borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 11 2011-01-01 2011-01-01 false Requirement to prepare a load forecast-power supply...—power supply borrowers. (a) A power supply borrower with a total utility plant of $500 million or more... be prepared pursuant to the approved load forecast work plan. (b) A power supply borrower that is a...

  20. 7 CFR 1755.510 - Construction and assembly unit drawings.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... drawings indicate that the items are no longer listed in the RUS Informational Publication (IP) 344-2, “List of Materials Acceptable for Use on Telecommunications Systems of RUS Borrowers.” RUS IP 344-2 can...

  1. 7 CFR 1755.510 - Construction and assembly unit drawings.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... drawings indicate that the items are no longer listed in the RUS Informational Publication (IP) 344-2, “List of Materials Acceptable for Use on Telecommunications Systems of RUS Borrowers.” RUS IP 344-2 can...

  2. Self-Help Service Center Management System User’s Manual: Version 2.1

    DTIC Science & Technology

    1991-06-01

    tools and other equipment loaned to customers. Temporary nonconsumable items, such as lawn mowers , must be returned by a certain due date a’nd time...function to process the return of lawn mowers . 3. A capability to identify the status of and/or process the return of a single borrowed item. This would be...IiR Qty Due Date Time 00000035 LAWN MOWER T I 1 03/09/90 18:00 Message Box ILocation Available: 10 Aisle: Authorized for item. I Row: Bin: Enter T for

  3. 24 CFR 891.600 - Responsibilities of Borrower.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... fair housing marketing plan and all Federal, State, or local fair housing and equal opportunity... regardless of discriminatory considerations, such as their race, color, creed, religion, familial status... of capital items). All functions must be performed in compliance with equal opportunity requirements...

  4. 24 CFR 891.600 - Responsibilities of Borrower.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... fair housing marketing plan and all Federal, State, or local fair housing and equal opportunity... regardless of discriminatory considerations, such as their race, color, creed, religion, familial status... of capital items). All functions must be performed in compliance with equal opportunity requirements...

  5. Trends in Student Aid, 2012. Trends in Higher Education Series

    ERIC Educational Resources Information Center

    Baum, Sandy; Payea, Kathleen

    2012-01-01

    The recent focus on student debt makes reliable data about how much students are borrowing, how borrowing patterns differ among students across different types of institutions and at different levels of enrollment, and about changes over time particularly important. While total student borrowing has grown rapidly over the past decade, the rate of…

  6. Graduating into Debt: The Burdens of Borrowing for Graduate & Professional Students.

    ERIC Educational Resources Information Center

    Education Resources Inst., Boston, MA.

    A study of the debt levels of graduate and professional students is reported in narrative, data tables, and graphs. Highlights include: total annual borrowing through federal loan programs has accelerated dramatically, with more than a million graduate and professional students now borrowing nearly $8 billion per year; graduate and professional…

  7. 12 CFR 32.2 - Definitions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... paper relating to automobiles, mobile homes, residences, office equipment, household items, tuition fees..., commercial paper, negotiable certificates of deposit, bankers' acceptances, and shares in money market and... represents an obligation to the beneficiary on the part of the issuer: (1) To repay money borrowed by or...

  8. 12 CFR 32.2 - Definitions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... paper relating to automobiles, mobile homes, residences, office equipment, household items, tuition fees..., commercial paper, negotiable certificates of deposit, bankers' acceptances, and shares in money market and... repay money borrowed by or advanced to or for the account of the account party; (2) To make payment on...

  9. 7 CFR 1924.6 - Performing development work.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... borrower and the Government with respect to compliance with items such as the drawings, specifications... corporate bonding company listed on the current Department of the Treasury Circular 570 (published annually... charged for noncorporate sureties may not exceed fees charged by corporate sureties on bonds of equal...

  10. The Catalog, 1978-1979. Revised Edition.

    ERIC Educational Resources Information Center

    Keene, Lois, Ed.

    This catalog provides an annotated list of the career education materials which may be borrowed for previewing from the Career Education Resource Center in Colorado. Covering materials of interest to educators in kindergarten through postsecondary programs, the catalog includes items produced by classroom teachers, commercial publishers, business…

  11. 34 CFR 682.510 - Determination of the borrower's death, total and permanent disability, or bankruptcy.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Determination of the borrower's death, total and permanent disability, or bankruptcy. 682.510 Section 682.510 Education Regulations of the Offices of the... EDUCATION LOAN (FFEL) PROGRAM Federal Guaranteed Student Loan Programs § 682.510 Determination of the...

  12. 34 CFR 682.215 - Income-based repayment plan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... for the year the borrower certifies family size. Support includes money, gifts, loans, housing, food... holder determines— (A) Each borrower's percentage of the couple's total eligible loan debt; (B) The...

  13. 7 CFR 1755.3 - Field trials.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... system electronics; (vi) Fiber optic cable system electronics; (vii) Multiplex equipment; (viii) Mobile... Telephone Systems of RUS Borrowers,” RUS Bulletin 344-2. When new items of materials or equipment are... that the field trial is carried out and that the required information on the product's performance is...

  14. 34 CFR 685.221 - Income-based repayment plan.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... for the year the borrower certifies family size. Support includes money, gifts, loans, housing, food... of the couple's total eligible loan debt; (B) The adjusted monthly payment for each borrower by...

  15. 38 CFR 36.4353 - Withdrawal of authority to close loans on the automatic basis.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... imprudent from a lending standpoint or which are prejudicial to the interests of veterans or the Government...) Automatic loan submissions show deficiencies in credit underwriting, such as use of unstable sources of income to qualify the borrower, ignoring significant adverse credit items affecting the applicant's...

  16. 7 CFR 1730.25 - Corrective action.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Corrective action. 1730.25 Section 1730.25... AGRICULTURE ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Operations and Maintenance Requirements § 1730.25 Corrective action. (a) For any items on the RUS Form 300 rated unsatisfactory (i.e., 0 or 1) by the borrower...

  17. 7 CFR 1753.29 - Force account procedures.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Force account procedures. 1753.29 Section 1753.29... Force account procedures. (a) The borrower must obtain RUS approval of the force account method of... item not provided for in the approved loan. (d) Force Account construction to be financed with loan...

  18. 7 CFR 1728.70 - Procurement of materials.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... unlisted item in emergency situations and for experimental use or to meet a specific need. For purposes of... from the industry is not readily available, or the standard designs are not applicable to the borrower's specific problem under consideration. (3) RUS will make arrangements for test or experimental use...

  19. 7 CFR 1728.70 - Procurement of materials.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... unlisted item in emergency situations and for experimental use or to meet a specific need. For purposes of... from the industry is not readily available, or the standard designs are not applicable to the borrower's specific problem under consideration. (3) RUS will make arrangements for test or experimental use...

  20. 7 CFR 1728.70 - Procurement of materials.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... unlisted item in emergency situations and for experimental use or to meet a specific need. For purposes of... from the industry is not readily available, or the standard designs are not applicable to the borrower's specific problem under consideration. (3) RUS will make arrangements for test or experimental use...

  1. 7 CFR 1728.70 - Procurement of materials.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... unlisted item in emergency situations and for experimental use or to meet a specific need. For purposes of... from the industry is not readily available, or the standard designs are not applicable to the borrower's specific problem under consideration. (3) RUS will make arrangements for test or experimental use...

  2. 7 CFR 1728.70 - Procurement of materials.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... unlisted item in emergency situations and for experimental use or to meet a specific need. For purposes of... from the industry is not readily available, or the standard designs are not applicable to the borrower's specific problem under consideration. (3) RUS will make arrangements for test or experimental use...

  3. The Career Education Resource Center Annotated Catalog, 1978-1979.

    ERIC Educational Resources Information Center

    Keene, Lois, Ed.

    This catalog provides an annotated list of the career education materials which may be borrowed for previewing from the Career Education Resource Center in Colorado. Covering materials of interest to educators in kindergarten through postsecondary programs, the catalog includes items produced by classroom teachers, commercial publishers, business…

  4. 38 CFR 36.4226 - Withdrawal of authority to close manufactured home loans on the automatic basis.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... imprudent from a lending standpoint or which are prejudicial to the interests of veterans or the Government... show deficiencies in credit underwriting, such as use of unstable sources of income to qualify the borrower, ignoring significant adverse credit items affecting the applicant's creditworthiness, etc., after...

  5. Cultural Resources Survey of EABPL Off-Site Borrow Areas, Levee Items E- 64, E-76, and E-84A, Iberville, Iberia, and Assumption Parishes, Louisiana

    DTIC Science & Technology

    1994-07-01

    Virginia willow (Itea virginica), alligatorweed (Alternanthera philoxeroides), water hyssop ( Bacopa monnien), Frogbit (Limnobium spongia), swamp lily...uwdus spp.), and dodder (Cuscuta geonovi) (Gibson 1978:106). Additional fresh water marsh species include Carolina bacopa ( Bacopa caroliniana

  6. 17 CFR 240.13d-101 - Schedule 13D-Information to be included in statements filed pursuant to § 240.13d-1(a) and...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... plan, pension fund or endowment fund is not required. (e) If applicable, state the date on which the...: (1) The borrowing of funds to finance the acquisition as disclosed in Item 3; (2) the acquisition of...

  7. 17 CFR 240.13d-101 - Schedule 13D-Information to be included in statements filed pursuant to § 240.13d-1(a) and...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... plan, pension fund or endowment fund is not required. (e) If applicable, state the date on which the...: (1) The borrowing of funds to finance the acquisition as disclosed in Item 3; (2) the acquisition of...

  8. 17 CFR 240.13d-101 - Schedule 13D-Information to be included in statements filed pursuant to § 240.13d-1(a) and...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... plan, pension fund or endowment fund is not required. (e) If applicable, state the date on which the...: (1) The borrowing of funds to finance the acquisition as disclosed in Item 3; (2) the acquisition of...

  9. 17 CFR 240.13d-101 - Schedule 13D-Information to be included in statements filed pursuant to § 240.13d-1(a) and...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... plan, pension fund or endowment fund is not required. (e) If applicable, state the date on which the...: (1) The borrowing of funds to finance the acquisition as disclosed in Item 3; (2) the acquisition of...

  10. Morphological Adaptation of English Loanwords in Twitter: Educational Implications

    ERIC Educational Resources Information Center

    Dashti, Fatimah; Dashti, Abdulmohsen A.

    2017-01-01

    The influx of English borrowed items into Kuwait has recently considerably increased, driven by both linguistic and extra-linguistic factors, mainly through new electronic media, and direct contact with the donor language. Kuwaitis, especially, the new generation heavily make use of English loanwords in mobile devices applications such as Twitter,…

  11. Helping Patrons Find Locally Held Electronic Resources: An Interlibrary Loan Perspective

    ERIC Educational Resources Information Center

    Johnston, Pamela

    2016-01-01

    The University of North Texas Libraries provide extensive online access to academic journals through major vendor databases. As illustrated by interlibrary loan borrowing requests for items held in our databases, patrons often have difficulty navigating the available resources. In this study, the Interlibrary Loan staff used data gathered from the…

  12. 26 CFR 1.446-4 - Hedging transactions.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... determination of the issuer's yield on an issue of tax-exempt bonds for purposes of the arbitrage restrictions... anticipated fixed rate borrowing for its entire term is accounted for, solely for purposes of this section, as... the disposed item. For purposes of this paragraph (e)(6), a reasonable period is generally 7 days. (7...

  13. 26 CFR 1.446-4 - Hedging transactions.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... determination of the issuer's yield on an issue of tax-exempt bonds for purposes of the arbitrage restrictions... anticipated fixed rate borrowing for its entire term is accounted for, solely for purposes of this section, as... the disposed item. For purposes of this paragraph (e)(6), a reasonable period is generally 7 days. (7...

  14. 26 CFR 1.446-4 - Hedging transactions.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... determination of the issuer's yield on an issue of tax-exempt bonds for purposes of the arbitrage restrictions... anticipated fixed rate borrowing for its entire term is accounted for, solely for purposes of this section, as... the disposed item. For purposes of this paragraph (e)(6), a reasonable period is generally 7 days. (7...

  15. 26 CFR 1.446-4 - Hedging transactions.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... determination of the issuer's yield on an issue of tax-exempt bonds for purposes of the arbitrage restrictions... anticipated fixed rate borrowing for its entire term is accounted for, solely for purposes of this section, as... the disposed item. For purposes of this paragraph (e)(6), a reasonable period is generally 7 days. (7...

  16. 13 CFR 108.550 - Prior approval of secured third-party debt of NMVC companies.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... ADMINISTRATION NEW MARKETS VENTURE CAPITAL (âNMVCâ) PROGRAM Managing the Operations of a NMVC Company Borrowing... total outstanding borrowings (not including Leverage) to exceed 50 percent of your Leverageable Capital. Voluntary Decrease in Regulatory Capital ...

  17. A survey of the wetlands and floodplains of the borrow area and wetland/shorebird complex for the remedial action at the chemical plant area of the Weldon Spring Site

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

    Van Lonkhuyzen, R.; Yin, S.; Hlohowskyj, I.

    1995-02-01

    The US Department of Energy is conducting cleanup operations at the Weldon Spring site, St. Charles, Missouri, that will include development of a 77-ha (191-acre) soil borrow area. Eight wetlands, including riverine and palustrine emergent wetland types and totaling 0.9 ha (2.2 acres), will be eliminated during excavation of the borrow area. A 23-ha (57-acre) wetland/shorebird complex will be created at the Busch Conservation Area. The complex will include 2 ha (5 acres) of palustrine emergent wetland as mitigation for wetland losses in the borrow area.

  18. Borrowing during Unemployment: Unsecured Debt as a Safety Net

    ERIC Educational Resources Information Center

    Sullivan, James X.

    2008-01-01

    This paper examines whether unsecured credit markets help disadvantaged households supplement temporary shortfalls in earnings by investigating how unsecured debt responds to unemployment-induced earnings losses. Results indicate that very low-asset households--those in the bottom decile of total assets--do not borrow in response to these…

  19. 34 CFR 685.200 - Borrower eligibility.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... previous loan or TEACH Grant service obligation was cancelled due to total and permanent disability, the student— (A) In the case of a borrower whose prior loan under title IV of the Act or TEACH Grant service... Direct Consolidation Loan, within three years of the date that any previous title IV loan or TEACH Grant...

  20. 34 CFR 682.211 - Forbearance.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... impact of capitalization of interest on the loan principal and total interest to be paid over the life of... § 682.402(f); (9) For a period of delinquency at the time a loan is sold or transferred, if the borrower... period of delinquency that may remain after a borrower ends a period of deferment or mandatory...

  1. 17 CFR 240.13d-101 - Schedule 13D-Information to be included in statements filed pursuant to § 240.13d-1(a) and...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... disposition of securities of the issuer; (b) An extraordinary corporate transaction, such as a merger... corporate structure, including but not limited to, if the issuer is a registered closed-end investment...: (1) The borrowing of funds to finance the acquisition as disclosed in Item 3; (2) the acquisition of...

  2. 7 CFR 1717.854 - Advance approval-100 percent private financing of distribution, subtransmission and headquarters...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... mortgage, the RUS loan contract, the borrower's wholesale power contract, any debt restructuring agreement... debt; (2) The ratio of the borrower's equity, less deferred expenses, to total assets, less deferred...-term debt is not less than 1.0, after adding the principal amount of the proposed loan to the existing...

  3. 7 CFR 1717.854 - Advance approval-100 percent private financing of distribution, subtransmission and headquarters...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... mortgage, the RUS loan contract, the borrower's wholesale power contract, any debt restructuring agreement... debt; (2) The ratio of the borrower's equity, less deferred expenses, to total assets, less deferred...-term debt is not less than 1.0, after adding the principal amount of the proposed loan to the existing...

  4. 7 CFR 1717.854 - Advance approval-100 percent private financing of distribution, subtransmission and headquarters...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... mortgage, the RUS loan contract, the borrower's wholesale power contract, any debt restructuring agreement... debt; (2) The ratio of the borrower's equity, less deferred expenses, to total assets, less deferred...-term debt is not less than 1.0, after adding the principal amount of the proposed loan to the existing...

  5. 7 CFR 1717.854 - Advance approval-100 percent private financing of distribution, subtransmission and headquarters...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... mortgage, the RUS loan contract, the borrower's wholesale power contract, any debt restructuring agreement... debt; (2) The ratio of the borrower's equity, less deferred expenses, to total assets, less deferred...-term debt is not less than 1.0, after adding the principal amount of the proposed loan to the existing...

  6. 7 CFR 1710.209 - Approval requirements for load forecast work plans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ...) In addition to the approved load forecast required under §§ 1710.202 and 1710.203, any power supply... that are members of a power supply borrower with a total utility plant of $500 million or more must cooperate in the preparation of and submittal of the load forecast work plan of their power supply borrower...

  7. Analysis of interlibrary requests by hospital libraries for photocopied journal articles.

    PubMed Central

    Morton, D J

    1977-01-01

    A study of the 1975 borrowing requests made by all hospital libraries in central western Massachusetts showed that there were 4,368 requests for articles contained in 1,071 different periodical titles. The numbers of requests per title ranged from eighty-nine for one title to one for each of 123 titles. A graph of the data showed a geometric progression, and the Bradford constants for this dispersion averaged 1.28. The percentage of total requests related to the age of requested issues varied from 62.48% for items not over five years old and 78.15% for issues not over ten years, to 95.57% for materials not over thirty years old. Bradford constants averaged 2.13. Of the thirty most requested periodical titles, sixteen were published in foreign countries, as follows: England--ten; Netherlands--three; Australia--one; Canada--one; and Sweden--one. The study's significance included its total coverage of a relatively large and isolated region, its focus upon the records of requesting rather than lending libraries, and its analysis of interlibrary rather than in-house activities. PMID:901952

  8. Relationship between Student Loan Borrowing of Money and Degree Completion for Students at Two-Year Colleges

    ERIC Educational Resources Information Center

    Easttorp, Karl

    2017-01-01

    The cost of a college education continues to trend upward and state funding for higher education has trended downward, shifting more of the financial burden to students through student loans. About half of all 2010-2011 financial aid originated from student loans, and total federal student loan borrowing rose 319% between 1990 and 2010.…

  9. Self-Help Service Center Management System User’s Manual: Version 2.5

    DTIC Science & Technology

    1994-05-01

    equipment loaned to customers. Temporary nonconsumable items, such as lawn mowers , must be returned by a certain due date and time. Permanent...would use this function to process the return of lawn mowers . 3. A capability to identify the status of and/or process the return of a single borrowed...Date Tim ... ................ ................................. ...... ..... ........ °....... 00000035 LAWN MOWER T I 1 03/09/90 18:00 Message Box

  10. Feeding, Breeding, Extinction, and River Length: Problems with Treating Words like Species, Comments on Meara and Olmos Alcoy (2010)

    ERIC Educational Resources Information Center

    Racine, John P.

    2011-01-01

    In their paper, Meara and Olmos Alcoy (2010) attempted to find a means of estimating productive second language (L2) vocabulary size based on the premise that many known lexical items simply do not appear in learner-produced texts. To do so, they borrowed an ecological model, in which a capture-recapture formula, the Petersen estimate, is used to…

  11. The Debt Burden of Bachelor's Degree Recipients. Stats in Brief. NCES 2017-436

    ERIC Educational Resources Information Center

    Velez, Erin Dunlop; Woo, Jennie H.

    2017-01-01

    As of May 2013, total outstanding student loan debt in the United States had reached $1.2 trillion, up from $1 trillion fewer than 18 months before. The growth in debt is due primarily to increases in both the rate of borrowing and the average amount borrowed, especially among graduates of 4-year institutions. In 1989-90, about half (51 percent)…

  12. Interlibrary loan in primary access libraries: challenging the traditional view.

    PubMed

    Dudden, R F; Coldren, S; Condon, J E; Katsh, S; Reiter, C M; Roth, P L

    2000-10-01

    Primary access libraries serve as the foundation of the National Network of Libraries of Medicine (NN/LM) interlibrary loan (ILL) hierarchy, yet few published reports directly address the important role these libraries play in the ILL system. This may reflect the traditional view that small, primary access libraries are largely users of ILL, rather than important contributors to the effectiveness and efficiency of the national ILL system. This study was undertaken to test several commonly held beliefs regarding ILL system use by primary access libraries. Three hypotheses were developed. HI: Colorado and Wyoming primary access libraries comply with the recommended ILL guideline of adhering to a hierarchical structure, emphasizing local borrowing. H2: The closures of two Colorado Council of Medical Librarians (CCML) primary access libraries in 1996 resulted in twenty-three Colorado primary access libraries' borrowing more from their state resource library in 1997. H3: The number of subscriptions held by Colorado and Wyoming primary access libraries is positively correlated with the number of items they loan and negatively correlated with the number of items they borrow. The hypotheses were tested using the 1992 and 1997 DOCLINE and OCLC data of fifty-four health sciences libraries, including fifty primary access libraries, two state resource libraries, and two general academic libraries in Colorado and Wyoming. The ILL data were obtained electronically and analyzed using Microsoft Word 98, Microsoft Excel 98, and JMP 3.2.2. CCML primary access libraries comply with the recommended guideline to emphasize local borrowing by supplying each other with the majority of their ILLs, instead of overburdening libraries located at higher levels in the ILL hierarchy (H1). The closures of two CCML primary access libraries appear to have affected the entire ILL system, resulting in a greater volume of ILL activity for the state resource library and other DOCLINE libraries higher up in the ILL hierarchy and highlighting the contribution made by CCML primary access libraries (H2). CCML primary access libraries borrow and lend in amounts that are proportional to their collection size, rather than overtaxing libraries at higher levels in the ILL hierarchy with large numbers of requests (H3). The main limitations of this study were the small sample size and the use of data collected for another purpose, the CCML ILL survey. The findings suggest that there is little evidence to support several commonly held beliefs regarding ILL system use by primary access libraries. In addition to validating the important contributions made by primary access libraries to the national ILL system, baseline data that can be used to benchmark current practice performance are provided.

  13. Interlibrary loan in primary access libraries: challenging the traditional view

    PubMed Central

    Dudden, Rosalind Farnam; Coldren, Sue; Condon, Joyce Elizabeth; Katsh, Sara; Reiter, Catherine Morton; Roth, Pamela Lynn

    2000-01-01

    Introduction: Primary access libraries serve as the foundation of the National Network of Libraries of Medicine (NN/LM) interlibrary loan (ILL) hierarchy, yet few published reports directly address the important role these libraries play in the ILL system. This may reflect the traditional view that small, primary access libraries are largely users of ILL, rather than important contributors to the effectiveness and efficiency of the national ILL system. Objective: This study was undertaken to test several commonly held beliefs regarding ILL system use by primary access libraries. Hypotheses: Three hypotheses were developed. H1: Colorado and Wyoming primary access libraries comply with the recommended ILL guideline of adhering to a hierarchical structure, emphasizing local borrowing. H2: The closures of two Colorado Council of Medical Librarians (CCML) primary access libraries in 1996 resulted in twenty-three Colorado primary access libraries' borrowing more from their state resource library in 1997. H3: The number of subscriptions held by Colorado and Wyoming primary access libraries is positively correlated with the number of items they loan and negatively correlated with the number of items they borrow. Methods: The hypotheses were tested using the 1992 and 1997 DOCLINE and OCLC data of fifty-four health sciences libraries, including fifty primary access libraries, two state resource libraries, and two general academic libraries in Colorado and Wyoming. The ILL data were obtained electronically and analyzed using Microsoft Word 98, Microsoft Excel 98, and JMP 3.2.2. Results: CCML primary access libraries comply with the recommended guideline to emphasize local borrowing by supplying each other with the majority of their ILLs, instead of overburdening libraries located at higher levels in the ILL hierarchy (H1). The closures of two CCML primary access libraries appear to have affected the entire ILL system, resulting in a greater volume of ILL activity for the state resource library and other DOCLINE libraries higher up in the ILL hierarchy and highlighting the contribution made by CCML primary access libraries (H2). CCML primary access libraries borrow and lend in amounts that are proportional to their collection size, rather than overtaxing libraries at higher levels in the ILL hierarchy with large numbers of requests (H3). Limitations: The main limitations of this study were the small sample size and the use of data collected for another purpose, the CCML ILL survey. Conclusions: The findings suggest that there is little evidence to support several commonly held beliefs regarding ILL system use by primary access libraries. In addition to validating the important contributions made by primary access libraries to the national ILL system, baseline data that can be used to benchmark current practice performance are provided. PMID:11055297

  14. Free tuberculosis diagnosis and treatment are not enough: patient cost evidence from three continents.

    PubMed

    Mauch, V; Bonsu, F; Gyapong, M; Awini, E; Suarez, P; Marcelino, B; Melgen, R E; Lönnroth, K; Nhung, N V; Hoa, N B; Klinkenberg, E

    2013-03-01

    The National Tuberculosis Programs of Ghana, Viet Nam and the Dominican Republic. To assess the direct and indirect costs of tuberculosis (TB) diagnosis and treatment for patients and households. Each country translated and adapted a structured questionnaire, the Tool to Estimate Patients' Costs. A random sample of new adult patients treated for at least 1 month was interviewed in all three countries. Across the countries, 27-70% of patients stopped working and experienced reduced income, 5-37% sold property and 17-47% borrowed money due to TB. Hospitalisation costs (US$42-118) and additional food items formed the largest part of direct costs during treatment. Average total patient costs (US$538-1268) were equivalent to approximately 1 year of individual income. We observed similar patterns and challenges of TB-related costs for patients across the three countries. We advocate for global, united action for TB patients to be included under social protection schemes and for national TB programmes to improve equitable access to care.

  15. Does Lateral Transmission Obscure Inheritance in Hunter-Gatherer Languages?

    PubMed Central

    Bowern, Claire; Epps, Patience; Gray, Russell; Hill, Jane; Hunley, Keith; McConvell, Patrick; Zentz, Jason

    2011-01-01

    In recent years, linguists have begun to increasingly rely on quantitative phylogenetic approaches to examine language evolution. Some linguists have questioned the suitability of phylogenetic approaches on the grounds that linguistic evolution is largely reticulate due to extensive lateral transmission, or borrowing, among languages. The problem may be particularly pronounced in hunter-gatherer languages, where the conventional wisdom among many linguists is that lexical borrowing rates are so high that tree building approaches cannot provide meaningful insights into evolutionary processes. However, this claim has never been systematically evaluated, in large part because suitable data were unavailable. In addition, little is known about the subsistence, demographic, ecological, and social factors that might mediate variation in rates of borrowing among languages. Here, we evaluate these claims with a large sample of hunter-gatherer languages from three regions around the world. In this study, a list of 204 basic vocabulary items was collected for 122 hunter-gatherer and small-scale cultivator languages from three ecologically diverse case study areas: northern Australia, northwest Amazonia, and California and the Great Basin. Words were rigorously coded for etymological (inheritance) status, and loan rates were calculated. Loan rate variability was examined with respect to language area, subsistence mode, and population size, density, and mobility; these results were then compared to the sample of 41 primarily agriculturalist languages in [1]. Though loan levels varied both within and among regions, they were generally low in all regions (mean 5.06%, median 2.49%, and SD 7.56), despite substantial demographic, ecological, and social variation. Amazonian levels were uniformly very low, with no language exhibiting more than 4%. Rates were low but more variable in the other two study regions, in part because of several outlier languages where rates of borrowing were especially high. High mobility, prestige asymmetries, and language shift may contribute to the high rates in these outliers. No support was found for claims that hunter-gatherer languages borrow more than agriculturalist languages. These results debunk the myth of high borrowing in hunter-gatherer languages and suggest that the evolution of these languages is governed by the same type of rules as those operating in large-scale agriculturalist speech communities. The results also show that local factors are likely to be more critical than general processes in determining high (or low) loan rates. PMID:21980394

  16. Associations Between Pharmacy Students’ Attitudes Toward Debt, Stress, and Student Loans

    PubMed Central

    Spivey, Christina A.; Jaeger, Melanie C.; Williams, Jennifer

    2017-01-01

    Objective. To assess graduating pharmacy students’ attitudes toward debt and determine associations with stress, student loan debt, financial need, current employment, post-graduation plans, and expected length of time to repay loans. Methods. Survey was conducted using an attitudes-toward-debt scale (sub-scales: tolerant attitudes toward debt; contemplation and knowledge about loans; fear of debt), Perceived Stress Scale, and questions concerning current employment, estimated total student loan debt, post-graduation plans, and expected length of time to repay loans. Federal loan data were collected using financial aid records. Independent samples t-test, ANOVA, and Pearson’s r correlations were conducted. Results. There were 147 students (96.7%) who participated. The majority were female (59.2%), white (69.4%), and had federal student loans (90.5%). Mean total loan amount was $153,276 (SD $59,810), which included federal students loans accumulated before and during pharmacy school. No significant differences were noted on attitudes toward debt or stress based on whether respondents had federal student loans. Greater “fear of debt” was correlated with increased stress, estimated total student loan debt, total federal loan debt, and pharmacy school loan debt. Greater “contemplation and knowledge about loans” was correlated with lower estimated total student loan debt, total federal loan amount, and pharmacy school loan amount. Students with higher “contemplation and knowledge” scores expected to repay loans within a shorter time frame than students with lower scores. Conclusion. Increased fear of debt was related to greater perceived stress and higher student loan amounts borrowed, while increased contemplation and knowledge about loans was associated with lower amounts borrowed. Educational programming concerning loans, debt, and personal financial management may help reduce stress and amount borrowed. PMID:29109558

  17. Associations Between Pharmacy Students' Attitudes Toward Debt, Stress, and Student Loans.

    PubMed

    Chisholm-Burns, Marie A; Spivey, Christina A; Jaeger, Melanie C; Williams, Jennifer

    2017-09-01

    Objective. To assess graduating pharmacy students' attitudes toward debt and determine associations with stress, student loan debt, financial need, current employment, post-graduation plans, and expected length of time to repay loans. Methods. Survey was conducted using an attitudes-toward-debt scale (sub-scales: tolerant attitudes toward debt; contemplation and knowledge about loans; fear of debt), Perceived Stress Scale, and questions concerning current employment, estimated total student loan debt, post-graduation plans, and expected length of time to repay loans. Federal loan data were collected using financial aid records. Independent samples t -test, ANOVA, and Pearson's r correlations were conducted. Results. There were 147 students (96.7%) who participated. The majority were female (59.2%), white (69.4%), and had federal student loans (90.5%). Mean total loan amount was $153,276 (SD $59,810), which included federal students loans accumulated before and during pharmacy school. No significant differences were noted on attitudes toward debt or stress based on whether respondents had federal student loans. Greater "fear of debt" was correlated with increased stress, estimated total student loan debt, total federal loan debt, and pharmacy school loan debt. Greater "contemplation and knowledge about loans" was correlated with lower estimated total student loan debt, total federal loan amount, and pharmacy school loan amount. Students with higher "contemplation and knowledge" scores expected to repay loans within a shorter time frame than students with lower scores. Conclusion. Increased fear of debt was related to greater perceived stress and higher student loan amounts borrowed, while increased contemplation and knowledge about loans was associated with lower amounts borrowed. Educational programming concerning loans, debt, and personal financial management may help reduce stress and amount borrowed.

  18. 31 CFR 25.300 - Application procedure.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... § 25.300 Application procedure. (a) Each Borrower that wishes to prepay at par the Total Permitted... maturity of the Eligible FMS Loan or Eligible FMS Advance. (2) Part II of the prepayment application shall..., nonbinding review of a plan to prepay at par the Total Permitted Prepayment Amount, or any portion thereof...

  19. 31 CFR 25.300 - Application procedure.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... § 25.300 Application procedure. (a) Each Borrower that wishes to prepay at par the Total Permitted... maturity of the Eligible FMS Loan or Eligible FMS Advance. (2) Part II of the prepayment application shall..., nonbinding review of a plan to prepay at par the Total Permitted Prepayment Amount, or any portion thereof...

  20. 31 CFR 25.300 - Application procedure.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... § 25.300 Application procedure. (a) Each Borrower that wishes to prepay at par the Total Permitted... maturity of the Eligible FMS Loan or Eligible FMS Advance. (2) Part II of the prepayment application shall..., nonbinding review of a plan to prepay at par the Total Permitted Prepayment Amount, or any portion thereof...

  1. 31 CFR 25.300 - Application procedure.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... § 25.300 Application procedure. (a) Each Borrower that wishes to prepay at par the Total Permitted... maturity of the Eligible FMS Loan or Eligible FMS Advance. (2) Part II of the prepayment application shall..., nonbinding review of a plan to prepay at par the Total Permitted Prepayment Amount, or any portion thereof...

  2. 31 CFR 25.300 - Application procedure.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... § 25.300 Application procedure. (a) Each Borrower that wishes to prepay at par the Total Permitted... maturity of the Eligible FMS Loan or Eligible FMS Advance. (2) Part II of the prepayment application shall..., nonbinding review of a plan to prepay at par the Total Permitted Prepayment Amount, or any portion thereof...

  3. Fisheries Resource Utilization of an Estuarine Borrow Pit in Mobile Bay, Alabama

    DTIC Science & Technology

    2014-07-01

    sampling indicated that both holes supported impoverished benthic assemblages comprised largely of opportunistic, disturbance- adapted infauna. Species...impoverished benthic assemblages comprised largely of opportunistic, disturbance- adapted infauna. The structure of the benthic communities differed...Total % AN Total % BN Gastropod - - - - - - 1 0.3 1 0.07 Total Animals 600 - 20 - 467 - 380 - 1467 - Average. # Animals 120 - 4 - 156 - 126

  4. 34 CFR 685.213 - Total and permanent disability discharge.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... application for discharge. To qualify for a discharge of a Direct Loan based on a total and permanent... award. The application must contain— (i) A certification by a physician, who is a doctor of medicine or... evidence if the Secretary determines that the borrower's application does not conclusively prove that the...

  5. 34 CFR 685.213 - Total and permanent disability discharge.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... application for discharge. To qualify for a discharge of a Direct Loan based on a total and permanent... award. The application must contain— (i) A certification by a physician, who is a doctor of medicine or... evidence if the Secretary determines that the borrower's application does not conclusively prove that the...

  6. Coping strategies for financial burdens in families with childhood pneumonia in Bangladesh

    PubMed Central

    2010-01-01

    Background This study aimed to determine the out-of pocket expenditure and coping strategies adopted by families of children admitted in a hospital in Bangladesh with pneumonia. Methods Trained interviewers surveyed parents of 90 children and conducted in-depth interviews with six families below the age of 5 years who were admitted to the largest pediatric hospital in Bangladesh with a diagnosis of pneumonia. We estimated the total cost of illness associated with hospitalization and explored the coping strategies of the families. Results The mean expenditure of the families for the illness episode was US$ 94 (±SD 52.5) with 75% having spent more than half of their total monthly expenditure on this hospitalization. Three fourths (68/90, 76%) of the families managed the expenditure by borrowing, mortgaging or selling assets; 64% had to borrow the full cost of hospitalization and 10% borrowed from the formal sector with a monthly interest rate of 5 to 30%. The burden was highest for the people from poor income strata. Families earning ≤US$ 59 per month were 10 times more likely than families earning ≥US$ 59 per month to borrow money (OR = 10.0, 95% CI: 2.8-38.8). To repay their debts, 22% of families reported that they would work extra hours and 50% planned to reduce spending on food and education for their children. Conclusions Coping strategies adopted by the families to manage the out-of-pocket expenditure for children requiring hospitalization were catastrophic for the majority of the families. Efforts to prevent childhood pneumonia for example, by vaccination against the most common pathogens, by improving air quality and by improving childhood nutrition can provide a double advantage. They can prevent both disease and poverty. PMID:20955627

  7. Coping strategies for financial burdens in families with childhood pneumonia in Bangladesh.

    PubMed

    Alamgir, Nadia I; Naheed, Aliya; Luby, Stephen P

    2010-10-19

    This study aimed to determine the out-of pocket expenditure and coping strategies adopted by families of children admitted in a hospital in Bangladesh with pneumonia. Trained interviewers surveyed parents of 90 children and conducted in-depth interviews with six families below the age of 5 years who were admitted to the largest pediatric hospital in Bangladesh with a diagnosis of pneumonia. We estimated the total cost of illness associated with hospitalization and explored the coping strategies of the families. The mean expenditure of the families for the illness episode was US$ 94 (±SD 52.5) with 75% having spent more than half of their total monthly expenditure on this hospitalization. Three fourths (68/90, 76%) of the families managed the expenditure by borrowing, mortgaging or selling assets; 64% had to borrow the full cost of hospitalization and 10% borrowed from the formal sector with a monthly interest rate of 5 to 30%. The burden was highest for the people from poor income strata. Families earning ≤US$ 59 per month were 10 times more likely than families earning ≥US$ 59 per month to borrow money (OR = 10.0, 95% CI: 2.8-38.8). To repay their debts, 22% of families reported that they would work extra hours and 50% planned to reduce spending on food and education for their children. Coping strategies adopted by the families to manage the out-of-pocket expenditure for children requiring hospitalization were catastrophic for the majority of the families. Efforts to prevent childhood pneumonia for example, by vaccination against the most common pathogens, by improving air quality and by improving childhood nutrition can provide a double advantage. They can prevent both disease and poverty.

  8. 7 CFR 1789.153 - Borrower funding.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 12 2014-01-01 2013-01-01 true Borrower funding. 1789.153 Section 1789.153... Consultant Services Funded by Borrowers-General § 1789.153 Borrower funding. Borrowers shall use their general funds for the purposes of funding consultant services hereunder. Borrowers may not use the...

  9. 7 CFR 1789.153 - Borrower funding.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 12 2012-01-01 2012-01-01 false Borrower funding. 1789.153 Section 1789.153... Consultant Services Funded by Borrowers-General § 1789.153 Borrower funding. Borrowers shall use their general funds for the purposes of funding consultant services hereunder. Borrowers may not use the...

  10. 7 CFR 1789.153 - Borrower funding.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 12 2011-01-01 2011-01-01 false Borrower funding. 1789.153 Section 1789.153... Consultant Services Funded by Borrowers-General § 1789.153 Borrower funding. Borrowers shall use their general funds for the purposes of funding consultant services hereunder. Borrowers may not use the...

  11. 7 CFR 1789.153 - Borrower funding.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Borrower funding. 1789.153 Section 1789.153... Consultant Services Funded by Borrowers-General § 1789.153 Borrower funding. Borrowers shall use their general funds for the purposes of funding consultant services hereunder. Borrowers may not use the...

  12. 7 CFR 1789.153 - Borrower funding.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 12 2013-01-01 2013-01-01 false Borrower funding. 1789.153 Section 1789.153... Consultant Services Funded by Borrowers-General § 1789.153 Borrower funding. Borrowers shall use their general funds for the purposes of funding consultant services hereunder. Borrowers may not use the...

  13. 42 CFR 60.32 - The HEAL lender or holder insurance contract.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... the borrower's default, death, total and permanent disability, bankruptcy under chapter 11 or 13 of... unconditional. The Secretary issues HEAL insurance on the implied representations of the lender that all the...

  14. 34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 4 2011-07-01 2011-07-01 false Processing the borrower's loan proceeds and counseling... Processing the borrower's loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling...

  15. 34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Processing the borrower's loan proceeds and counseling...'s loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling borrowers...

  16. 34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 34 Education 4 2012-07-01 2012-07-01 false Processing the borrower's loan proceeds and counseling... Processing the borrower's loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling...

  17. 34 CFR 682.604 - Processing the borrower's loan proceeds and counseling borrowers.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 34 Education 4 2013-07-01 2013-07-01 false Processing the borrower's loan proceeds and counseling... Processing the borrower's loan proceeds and counseling borrowers. (a) General. (1) This section establishes rules governing a school's processing of a borrower's Stafford or PLUS loan proceeds, and for counseling...

  18. Borrowing Money. Science and Technology Education in Philippine Society.

    ERIC Educational Resources Information Center

    Philippines Univ., Quezon City. Inst. for Science and Mathematics Education Development.

    This module discusses several borrowing schemes to help students see more clearly the effects of borrowing money on both the lender and the borrower. They include borrowing from personal lenders, from "5-6" operators, and from credit unions. Three exercise sets with answers (one for each borrowing scheme), a short list of references, and…

  19. 77 FR 66087 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-11-01

    ...The Secretary amends the Federal Perkins Loan (Perkins Loan) program, Federal Family Education Loan (FFEL) program, and William D. Ford Federal Direct Loan (Direct Loan) program regulations. These final regulations implement a new Income-Contingent Repayment (ICR) plan in the Direct Loan program based on the President's ``Pay As You Earn'' repayment initiative, incorporate recent statutory changes to the Income-Based Repayment (IBR) plan in the Direct Loan and FFEL programs, and streamline and add clarity to the total and permanent disability (TPD) discharge process for borrowers in loan programs under title IV of the Higher Education Act of 1965, as amended (HEA). These final regulations implementing a new ICR plan and the statutory changes to the IBR plan will assist borrowers in repaying their loans while the changes to the TPD discharge process will reduce burden for borrowers who are disabled and seeking a discharge of their title IV debt.

  20. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... total outstanding amount of a national bank's loans and extensions of credit to one borrower made under... surplus. (5) The total outstanding amount of a national bank's loans and extensions of credit to all of... concerns about credit quality, undue concentrations in the bank's portfolio of residential real estate...

  1. A Predictive Model of Student Loan Default at a Two-Year Community College

    ERIC Educational Resources Information Center

    Brown, Chanda Denea

    2015-01-01

    This study explored whether a predictive model of student loan default could be developed with data from an institution's three-year cohort default rate report. The study used borrower data provided by a large two-year community college. Independent variables under investigation included total undergraduate Stafford student loan debt, total number…

  2. 7 CFR 1710.208 - RUS criteria for approval of all load forecasts by power supply borrowers and by distribution...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... power supply borrowers and by distribution borrowers required to maintain an approved load forecast on... forecasts by power supply borrowers and by distribution borrowers required to maintain an approved load forecast on an ongoing basis. All load forecasts submitted by power supply borrowers and by distribution...

  3. 7 CFR 1710.208 - RUS criteria for approval of all load forecasts by power supply borrowers and by distribution...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... power supply borrowers and by distribution borrowers required to maintain an approved load forecast on... forecasts by power supply borrowers and by distribution borrowers required to maintain an approved load forecast on an ongoing basis. All load forecasts submitted by power supply borrowers and by distribution...

  4. 7 CFR 1710.208 - RUS criteria for approval of all load forecasts by power supply borrowers and by distribution...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... power supply borrowers and by distribution borrowers required to maintain an approved load forecast on... forecasts by power supply borrowers and by distribution borrowers required to maintain an approved load forecast on an ongoing basis. All load forecasts submitted by power supply borrowers and by distribution...

  5. 7 CFR 1710.208 - RUS criteria for approval of all load forecasts by power supply borrowers and by distribution...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... power supply borrowers and by distribution borrowers required to maintain an approved load forecast on... forecasts by power supply borrowers and by distribution borrowers required to maintain an approved load forecast on an ongoing basis. All load forecasts submitted by power supply borrowers and by distribution...

  6. 42 CFR 23.31 - May loan payments be postponed or waived?

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., interest will continue to accrue at the rate specified in the promissory note until the loan is repaid in... shall be cancelled upon the death or total and permanent disability of the borrower, as determined by...

  7. Calculation of benefit reserves based on true m-thly benefit premiums

    NASA Astrophysics Data System (ADS)

    Riaman; Susanti, Dwi; Supriatna, Agus; Nurani Ruchjana, Budi

    2017-10-01

    Life insurance is a form of insurance that provides risk mitigation in life or death of a human. One of its advantages is measured life insurance. Insurance companies ought to give a sum of money as reserves to the customers. The benefit reserves are an alternative calculation which involves net and cost premiums. An insured may pay a series of benefit premiums to an insurer equivalent, at the date of policy issue, to the sum of to be paid on the death of the insured, or on survival of the insured to the maturity date. A balancing item is required and this item is a liability for one of the parties and the other is an asset. The balancing item, in loan, is the outstanding principle, an asset for the lender and the liability for the borrower. In this paper we examined the benefit reserves formulas corresponding to the formulas for true m-thly benefit premiums by the prospective method. This method specifies that, the reserves at the end of the first year are zero. Several principles can be used for the determined of benefit premiums, an equivalence relation is established in our discussion.

  8. 7 CFR 1786.155 - Eligible borrower.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... purpose of determining eligibility for prepayment, a default by a power supply borrower from which a distribution borrower purchases wholesale power shall not be considered a default by the distribution borrower... borrower shall be current on all obligations under any wholesale power contract with an RUS financed power...

  9. 7 CFR 1786.155 - Eligible borrower.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... purpose of determining eligibility for prepayment, a default by a power supply borrower from which a distribution borrower purchases wholesale power shall not be considered a default by the distribution borrower... borrower shall be current on all obligations under any wholesale power contract with an RUS financed power...

  10. 7 CFR 1951.262 - Farm Credit Programs-graduation of borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 14 2011-01-01 2011-01-01 false Farm Credit Programs-graduation of borrowers. 1951... Credit Needs and Graduation of Borrowers § 1951.262 Farm Credit Programs—graduation of borrowers. (a)-(d) [Reserved] (e) Graduation candidates. Borrowers who are classified “commercial” or “standard” are graduation...

  11. 7 CFR 1951.262 - Farm Credit Programs-graduation of borrowers.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 14 2012-01-01 2012-01-01 false Farm Credit Programs-graduation of borrowers. 1951... Credit Needs and Graduation of Borrowers § 1951.262 Farm Credit Programs—graduation of borrowers. (a)-(d) [Reserved] (e) Graduation candidates. Borrowers who are classified “commercial” or “standard” are graduation...

  12. 7 CFR 1951.262 - Farm Credit Programs-graduation of borrowers.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 14 2013-01-01 2013-01-01 false Farm Credit Programs-graduation of borrowers. 1951... Credit Needs and Graduation of Borrowers § 1951.262 Farm Credit Programs—graduation of borrowers. (a)-(d) [Reserved] (e) Graduation candidates. Borrowers who are classified “commercial” or “standard” are graduation...

  13. 7 CFR 1951.262 - Farm Credit Programs-graduation of borrowers.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 14 2014-01-01 2014-01-01 false Farm Credit Programs-graduation of borrowers. 1951... Credit Needs and Graduation of Borrowers § 1951.262 Farm Credit Programs—graduation of borrowers. (a)-(d) [Reserved] (e) Graduation candidates. Borrowers who are classified “commercial” or “standard” are graduation...

  14. 7 CFR 1717.301 - Policy.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... in Rate Making in Connection With Power Supply Borrowers § 1717.301 Policy. (a) RUS makes and... condition to making or guaranteeing any loans to power supply borrowers, that the borrower enter into RUS... the power supply borrower to make payments on account of all indebtedness of the power supply borrower...

  15. 7 CFR 1717.301 - Policy.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... in Rate Making in Connection With Power Supply Borrowers § 1717.301 Policy. (a) RUS makes and... condition to making or guaranteeing any loans to power supply borrowers, that the borrower enter into RUS... the power supply borrower to make payments on account of all indebtedness of the power supply borrower...

  16. 7 CFR 1951.263 - Graduation of non-Farm Credit programs borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... format if the borrower's financial situation is accurately reflected. The borrower has 60 days for group... graduate within 30 days for RH borrowers, and 90 days for group type borrowers, after the date of the... loan request. (4) The difference in interest rates between the Agency and other lenders will not be...

  17. 7 CFR 1951.264 - Action when borrower fails to cooperate, respond or graduate.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 14 2011-01-01 2011-01-01 false Action when borrower fails to cooperate, respond or... Analyzing Credit Needs and Graduation of Borrowers § 1951.264 Action when borrower fails to cooperate, respond or graduate. (a) When borrowers with other than FCP loans fail to: (1) Provide information...

  18. 7 CFR 1951.264 - Action when borrower fails to cooperate, respond or graduate.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Action when borrower fails to cooperate, respond or... Analyzing Credit Needs and Graduation of Borrowers § 1951.264 Action when borrower fails to cooperate, respond or graduate. (a) When borrowers with other than FCP loans fail to: (1) Provide information...

  19. 7 CFR 1951.264 - Action when borrower fails to cooperate, respond or graduate.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 14 2012-01-01 2012-01-01 false Action when borrower fails to cooperate, respond or... Analyzing Credit Needs and Graduation of Borrowers § 1951.264 Action when borrower fails to cooperate, respond or graduate. (a) When borrowers with other than FCP loans fail to: (1) Provide information...

  20. 7 CFR 1951.264 - Action when borrower fails to cooperate, respond or graduate.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 14 2014-01-01 2014-01-01 false Action when borrower fails to cooperate, respond or... Analyzing Credit Needs and Graduation of Borrowers § 1951.264 Action when borrower fails to cooperate, respond or graduate. (a) When borrowers with other than FCP loans fail to: (1) Provide information...

  1. 7 CFR 1951.264 - Action when borrower fails to cooperate, respond or graduate.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 14 2013-01-01 2013-01-01 false Action when borrower fails to cooperate, respond or... Analyzing Credit Needs and Graduation of Borrowers § 1951.264 Action when borrower fails to cooperate, respond or graduate. (a) When borrowers with other than FCP loans fail to: (1) Provide information...

  2. 7 CFR 1951.263 - Graduation of non-Farm Credit programs borrowers.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 14 2012-01-01 2012-01-01 false Graduation of non-Farm Credit programs borrowers... Credit Needs and Graduation of Borrowers § 1951.263 Graduation of non-Farm Credit programs borrowers. (a... required for refinancing, or when a borrower is a public body and must issue bonds to accomplish graduation...

  3. 7 CFR 1951.263 - Graduation of non-Farm Credit programs borrowers.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 14 2013-01-01 2013-01-01 false Graduation of non-Farm Credit programs borrowers... Credit Needs and Graduation of Borrowers § 1951.263 Graduation of non-Farm Credit programs borrowers. (a... required for refinancing, or when a borrower is a public body and must issue bonds to accomplish graduation...

  4. 7 CFR 1951.263 - Graduation of non-Farm Credit programs borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 14 2011-01-01 2011-01-01 false Graduation of non-Farm Credit programs borrowers... Credit Needs and Graduation of Borrowers § 1951.263 Graduation of non-Farm Credit programs borrowers. (a... required for refinancing, or when a borrower is a public body and must issue bonds to accomplish graduation...

  5. 7 CFR 1951.263 - Graduation of non-Farm Credit programs borrowers.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 14 2014-01-01 2014-01-01 false Graduation of non-Farm Credit programs borrowers... Credit Needs and Graduation of Borrowers § 1951.263 Graduation of non-Farm Credit programs borrowers. (a... required for refinancing, or when a borrower is a public body and must issue bonds to accomplish graduation...

  6. 24 CFR 201.24 - Security requirements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... borrower and all other owners in fee simple. (ii) If the borrower is a lessee, the borrower and all owners in fee simple must execute the mortgage or deed of trust. If the borrower is purchasing the property under a land installment contract, the borrower, all owners in fee simple, and all intervening contract...

  7. 12 CFR 701.38 - Borrowed funds from natural persons.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowed funds from natural persons. 701.38... ORGANIZATION AND OPERATION OF FEDERAL CREDIT UNIONS § 701.38 Borrowed funds from natural persons. (a) Federal credit unions may borrow from a natural person, provided: (1) The borrowing is evidenced by a signed...

  8. 12 CFR 701.38 - Borrowed funds from natural persons.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Borrowed funds from natural persons. 701.38... ORGANIZATION AND OPERATION OF FEDERAL CREDIT UNIONS § 701.38 Borrowed funds from natural persons. (a) Federal credit unions may borrow from a natural person, provided: (1) The borrowing is evidenced by a signed...

  9. Impact on DARCOM of Nonstandard MTOE.

    DTIC Science & Technology

    1981-03-01

    DIFFERENCES BETWEEN TOE AND MTOE TYPE NR RECORDS TOTAL QTY OF TOTAL QTY OF TOTAL DIFF ORGN IDENTIFIED ITEMS AUTH ITEMS AUTH BETWEEN TOE BY TOE BY MTOE AND MTOE...BETWEEN TOE AND MTOE TYPE NR RECORDS TOTAL QTY OF TOTAL QTY OF TOTAL DIFF ORGN IDENTIFIED ITEMS AUTH ITEMS AUTH BETWEEN TOE BY TOE BY MTOE AND MTOE 01

  10. Extensions of the picture superiority effect in associative recognition.

    PubMed

    Hockley, William E; Bancroft, Tyler

    2011-12-01

    Previous research has shown that the picture superiority effect (PSE) is seen in tests of associative recognition for random pairs of line drawings compared to pairs of concrete words (Hockley, 2008). In the present study we demonstrated that the PSE for associative recognition is still observed when subjects have correctly identified the individual items of each pair as old (Experiment 1), and that this effect is not due to rehearsal borrowing (Experiment 2). The PSE for associative recognition also is shown to be present but attenuated for mixed picture-word pairs (Experiment 3), and similar in magnitude for pairs of simple black and white line drawings and coloured photographs of detailed objects (Experiment 4). The results are consistent with the view that the semantic meaning of nameable pictures is activated faster than that of words thereby affording subjects more time to generate and elaborate meaningful associations between items depicted in picture form. PsycINFO Database Record (c) 2011 APA, all rights reserved.

  11. 12 CFR 617.7105 - When must a qualified lender disclose the effective interest rate to a borrower?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... effective interest rate to a borrower? 617.7105 Section 617.7105 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM BORROWER RIGHTS Disclosure of Effective Interest Rates § 617.7105 When must a qualified lender disclose the effective interest rate to a borrower? (a) Disclosure to prospective borrowers...

  12. Data Show No Evidence of "Over-Borrowing" at Community Colleges. Fact Sheet

    ERIC Educational Resources Information Center

    Institute for College Access & Success, 2014

    2014-01-01

    Some community colleges have expressed concerns that their students borrow more than they need in federal loans. However, "the data do not support claims of 'over-borrowing' at community colleges." The vast majority of community college students do not borrow federal loans at all, and the few who do borrow do not take out large loan…

  13. 7 CFR 3560.105 - Insurance and taxes.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) Windstorm Coverage. (ii) Earthquake Coverage. (iii) Sinkhole Insurance or Mine Subsidence Insurance. (3) For... the total insured value. (iv) Earthquake Coverage. In the event that the borrower obtains earthquake... insurance or mine subsidence insurance should be similar to what would be required for earthquake insurance...

  14. 7 CFR 3560.105 - Insurance and taxes.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...) Windstorm Coverage. (ii) Earthquake Coverage. (iii) Sinkhole Insurance or Mine Subsidence Insurance. (3) For... the total insured value. (iv) Earthquake Coverage. In the event that the borrower obtains earthquake... insurance or mine subsidence insurance should be similar to what would be required for earthquake insurance...

  15. 7 CFR 3560.105 - Insurance and taxes.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ...) Windstorm Coverage. (ii) Earthquake Coverage. (iii) Sinkhole Insurance or Mine Subsidence Insurance. (3) For... the total insured value. (iv) Earthquake Coverage. In the event that the borrower obtains earthquake... insurance or mine subsidence insurance should be similar to what would be required for earthquake insurance...

  16. 7 CFR 3560.105 - Insurance and taxes.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...) Windstorm Coverage. (ii) Earthquake Coverage. (iii) Sinkhole Insurance or Mine Subsidence Insurance. (3) For... the total insured value. (iv) Earthquake Coverage. In the event that the borrower obtains earthquake... insurance or mine subsidence insurance should be similar to what would be required for earthquake insurance...

  17. 7 CFR 3560.105 - Insurance and taxes.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ...) Windstorm Coverage. (ii) Earthquake Coverage. (iii) Sinkhole Insurance or Mine Subsidence Insurance. (3) For... the total insured value. (iv) Earthquake Coverage. In the event that the borrower obtains earthquake... insurance or mine subsidence insurance should be similar to what would be required for earthquake insurance...

  18. Sharing prescription medication among teenage girls: potential danger to unplanned/undiagnosed pregnancies.

    PubMed

    Daniel, Katherine Lyon; Honein, Margaret A; Moore, Cynthia A

    2003-05-01

    The objective of this study was to determine how often children and adolescents share prescription medications and, because of teratogenic concerns, assess specific reasons why girls might engage in medication-sharing behaviors. Data were collected as part of Youthstyles, a mail survey of children and adolescents 9 through 18 years of age (764 girls and 804 boys) about health issues, attitudinal variables, and media preferences. Information collected by the survey included the respondent's history of borrowing or sharing prescription medications, the frequency with which sharing occurred, the reasons why medications might be borrowed or shared, and who influences their decisions to borrow or share medication. A total of 20.1% of girls and 13.4% of boys reported ever borrowing or sharing medications. Of the girls surveyed, 15.7% reported borrowing prescription medications from others, and 14.5% reported sharing their prescription medication with someone else. The reported likelihood of sharing increased with age. Medication sharing or borrowing was not a "one time only" emergency use for many: 7.3% of girls 15 through 18 years of age had shared medications >3 times. Reasons that girls gave for why they would share medications included having a prescription for the same medicine (40.2%), getting the medication from a family member (33.4%), having the same problem as the person who had the medication (29%), or wanting something strong for pimples or oily skin (10.5%). Medication sharing is relatively common among children and adolescents and is more common among girls than boys. An adolescent who receives a medication via sharing does not receive the appropriate information about its actions and possible negative interactions with other medications or any other associated risks. Sharing potentially teratogenic drugs is of special concern. Many barriers exist to communicating the risk about teratogenic drugs to women and girls, particularly if they are not planning a pregnancy or are unaware that they are already pregnant. These findings suggest the need for basic research on issues related to the dangers of medication sharing and teratogenic risks, as well as the development of successful approaches to communicate these risks.

  19. Financial sustainability in savings and credit programmes.

    PubMed

    Havers, M

    1996-05-01

    This article provides a framework for determining, justifying, and improving financial sustainability of savings and credit programs. Credit programs have income from interest and fees. Income must pay for the cost of funds, loan write-offs, operating costs, and inflation. Reference is made to Otero and Rhyne's four levels of self-sufficiency in credit programs. The Grameen Bank is an example of Level 3 and most credit unions are level 4. Nongovernmental groups in the United Kingdom are level 1 or 2. Experience has shown that removal of subsidies did not affect the quality of services or shift benefits away from the poor. Success in serving poorer people better is attributed 1) to more money being available for lending under tighter management practices, 2) to greater openness to a variety of clients from removal of subsidy restrictions, 3) to a shift to higher interest rates that eliminate richer borrowers, and 4) to a shift to serious collection of loans which is a disincentive to more privileged borrowers. Percentages of loan loss, administration costs, cost of funds, and inflation are useful in measuring the sustainability of credit programs. Interest and fee income must also be measured. Fee repayment rates do not have a common definition of arrears, default, and write-off. A simple measure is the percentage of total costs covered by income. The World Bank recommends the Subsidy Dependence Index. Women tend to be better at repaying loans. Loan size should be related to borrowers' ability to handle the amount of the loan. Low and subsidized interest rates deter depositors and attract richer borrowers. Poorer borrowers are attracted by access to credit and not the cost of credit. Interest rates should be based on market rates. The loan payment should be no longer than necessary. Small groups of borrowers can guarantee each others loans. Group-based loan schemes work best. NGOs must project an image of being serious about loan collections and must take action immediately when a payment is missed. Good repayers should be rewarded with quick repeat loans.

  20. Recognition of English and German Borrowings in the Russian Language (Based on Lexical Borrowings in the Field of Economics)

    ERIC Educational Resources Information Center

    Ashrapova, Alsu; Alendeeva, Svetlana

    2014-01-01

    This article is the result of a study of the influence of English and German on the Russian language during the English learning based on lexical borrowings in the field of economics. This paper discusses the use and recognition of borrowings from the English and German languages by Russian native speakers. The use of lexical borrowings from…

  1. U.S. Dental School Deans’ Perceptions of the Rising Cost of Dental Education and Borrowing Pressures on Dental Students: Report of Survey Results.

    PubMed

    McAllister, Dora Elías; Garrison, Gwen E; Feldman, Cecile A; Anderson, Eugene L; Cook, Bryan J; Valachovic, Richard W

    2015-06-01

    This report presents findings from a survey of U.S. dental school deans designed to capture their perceptions regarding the rising cost of dental education and its impact on borrowing by dental students to finance their education. The survey included questions about factors influencing the cost of dental education, concerns about dental student borrowing, and financial awareness resources for students. The survey was distributed to the deans of all 63 U.S. dental schools in January 2013; 42 deans responded, for a 67% response rate. The results indicate that, according to the responding deans, new clinical technologies, technology costs, and central university taxes are the main factors that contribute to the increasing cost of dental education. Coupled with reduced state appropriations at public dental schools and declines in private giving at all dental schools, dental school deans face a perplexing set of financial management challenges. Tuition and fees are a primary source of revenue for all dental schools; however, many deans do not have total control over the cost of attending their schools since tuition and fees are often tied to mandates and policies from the parent university and the state legislature. The findings of this study indicate that U.S. dental school deans are aware of and concerned about the impact of increases in tuition and fees on dental student debt and that they are using a variety of strategies to address the growth in dental student borrowing.

  2. Modelling changes in small area disability free life expectancy: trends in London wards between 2001 and 2011.

    PubMed

    Congdon, Peter

    2014-12-20

    Existing analyses of trends in disability free life expectancy (DFLE) are mainly at aggregate level (national or broad regional). However, major differences in DFLE, and trends in these expectancies, exist between different neighbourhoods within regions, so supporting a small area perspective. However, this raises issues regarding the stability of conventional life table estimation methods at small area scales. This paper advocates a Bayesian borrowing strength technique to model trends in mortality and disability differences across 625 small areas in London, using illness data from the 2001 and 2011 population Censuses, and deaths data for two periods centred on the Census years. From this analysis, estimates of total life expectancy and DFLE are obtained. The spatio-temporal modelling perspective allows assessment of whether significant compression or expansion of morbidity has occurred in each small area. Appropriate models involve random effects that recognise correlation and interaction effects over relevant dimensions of the observed deaths and illness data (areas, ages), as well as major spatial trends (e.g. gradients in health and mortality according to area deprivation category). Whilst borrowing strength is a primary consideration (and demonstrated by raised precision for estimated life expectancies), so also is model parsimony. Therefore, pure borrowing strength models are compared with models allowing selection of random age-area interaction effects using a spike-slab prior, and in fact borrowing strength combined with random effects selection provides better fit. Copyright © 2014 John Wiley & Sons, Ltd.

  3. 7 CFR 765.101 - Borrower graduation requirements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 7 2013-01-01 2013-01-01 false Borrower graduation requirements. 765.101 Section 765..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-REGULAR Borrower Graduation § 765.101 Borrower graduation requirements. (a) In accordance with the promissory note and security instruments, the...

  4. 7 CFR 765.101 - Borrower graduation requirements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 7 2011-01-01 2011-01-01 false Borrower graduation requirements. 765.101 Section 765..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-REGULAR Borrower Graduation § 765.101 Borrower graduation requirements. (a) In accordance with the promissory note and security instruments, the...

  5. 7 CFR 765.101 - Borrower graduation requirements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 7 2014-01-01 2014-01-01 false Borrower graduation requirements. 765.101 Section 765..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-REGULAR Borrower Graduation § 765.101 Borrower graduation requirements. (a) In accordance with the promissory note and security instruments, the...

  6. 7 CFR 765.101 - Borrower graduation requirements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 7 2012-01-01 2012-01-01 false Borrower graduation requirements. 765.101 Section 765..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-REGULAR Borrower Graduation § 765.101 Borrower graduation requirements. (a) In accordance with the promissory note and security instruments, the...

  7. 7 CFR 761.102 - Borrower recordkeeping, reporting, and supervision.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 7 2011-01-01 2011-01-01 false Borrower recordkeeping, reporting, and supervision. 761.102 Section 761.102 Agriculture Regulations of the Department of Agriculture (Continued) FARM... Credit § 761.102 Borrower recordkeeping, reporting, and supervision. (a) A borrower must maintain...

  8. 7 CFR 761.102 - Borrower recordkeeping, reporting, and supervision.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 7 2012-01-01 2012-01-01 false Borrower recordkeeping, reporting, and supervision. 761.102 Section 761.102 Agriculture Regulations of the Department of Agriculture (Continued) FARM... ADMINISTRATION Supervised Credit § 761.102 Borrower recordkeeping, reporting, and supervision. (a) A borrower...

  9. 7 CFR 761.102 - Borrower recordkeeping, reporting, and supervision.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Borrower recordkeeping, reporting, and supervision. 761.102 Section 761.102 Agriculture Regulations of the Department of Agriculture (Continued) FARM... Credit § 761.102 Borrower recordkeeping, reporting, and supervision. (a) A borrower must maintain...

  10. 7 CFR 761.102 - Borrower recordkeeping, reporting, and supervision.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 7 2013-01-01 2013-01-01 false Borrower recordkeeping, reporting, and supervision. 761.102 Section 761.102 Agriculture Regulations of the Department of Agriculture (Continued) FARM... ADMINISTRATION Supervised Credit § 761.102 Borrower recordkeeping, reporting, and supervision. (a) A borrower...

  11. 7 CFR 761.102 - Borrower recordkeeping, reporting, and supervision.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 7 2014-01-01 2014-01-01 false Borrower recordkeeping, reporting, and supervision. 761.102 Section 761.102 Agriculture Regulations of the Department of Agriculture (Continued) FARM... ADMINISTRATION Supervised Credit § 761.102 Borrower recordkeeping, reporting, and supervision. (a) A borrower...

  12. 7 CFR 1710.102 - Borrower eligibility for different types of loans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... financing of distribution and subtransmission facilities of both distribution and power supply borrowers... distribution and subtransmission facilities of both distribution and power supply borrowers, including, under.... Both distribution and power supply borrowers are eligible for 100 percent loan guarantees under section...

  13. 7 CFR 1710.102 - Borrower eligibility for different types of loans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... financing of distribution and subtransmission facilities of both distribution and power supply borrowers... distribution and subtransmission facilities of both distribution and power supply borrowers, including, under.... Both distribution and power supply borrowers are eligible for 100 percent loan guarantees under section...

  14. 7 CFR 1710.251 - Construction work plans-distribution borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Construction work plans-distribution borrowers. 1710...—distribution borrowers. (a) All distribution borrowers must maintain a current CWP approved by their board of directors covering all new construction, improvements, replacements, and retirements of distribution and...

  15. 7 CFR 765.102 - Borrower noncompliance with graduation requirements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 7 2013-01-01 2013-01-01 false Borrower noncompliance with graduation requirements... Graduation § 765.102 Borrower noncompliance with graduation requirements. Borrower failure to fulfill all graduation requirements within the time-period specified by the Agency constitutes default on the loan. The...

  16. 7 CFR 765.102 - Borrower noncompliance with graduation requirements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 7 2011-01-01 2011-01-01 false Borrower noncompliance with graduation requirements... Graduation § 765.102 Borrower noncompliance with graduation requirements. Borrower failure to fulfill all graduation requirements within the time-period specified by the Agency constitutes default on the loan. The...

  17. 7 CFR 765.102 - Borrower noncompliance with graduation requirements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 7 2012-01-01 2012-01-01 false Borrower noncompliance with graduation requirements... Graduation § 765.102 Borrower noncompliance with graduation requirements. Borrower failure to fulfill all graduation requirements within the time-period specified by the Agency constitutes default on the loan. The...

  18. 7 CFR 765.102 - Borrower noncompliance with graduation requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Borrower noncompliance with graduation requirements... Graduation § 765.102 Borrower noncompliance with graduation requirements. Borrower failure to fulfill all graduation requirements within the time-period specified by the Agency constitutes default on the loan. The...

  19. 7 CFR 765.102 - Borrower noncompliance with graduation requirements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 7 2014-01-01 2014-01-01 false Borrower noncompliance with graduation requirements... Graduation § 765.102 Borrower noncompliance with graduation requirements. Borrower failure to fulfill all graduation requirements within the time-period specified by the Agency constitutes default on the loan. The...

  20. Direct Consolidation Loan Guide for Schools.

    ERIC Educational Resources Information Center

    Department of Education, Washington, DC.

    This guide is intended to help educational institutions counsel students and parents about consolidation of federal education loans for borrowers in repayment, borrowers in default, and borrowers who are still in school. Through consolidation, borrowers may combine various types of federal education loans, including direct loans and loans made…

  1. 7 CFR 1717.653 - Borrowers in default.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., to be in the financial interest of the government with respect to loan security and/or repayment. If... AGRICULTURE POST-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED ELECTRIC LOANS Investments, Loans, and Guarantees by Electric Borrowers § 1717.653 Borrowers in default. Any borrower not in...

  2. 78 FR 18988 - Agency Information Collection Activities; Proposed Collection; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-28

    ... periodic summaries of proposed projects being developed for submission to the Office of Management and... the agency's functions, (2) the accuracy of the estimated burden, (3) ways to enhance the quality... Certification of Borrower's Total and Permanent Disability Form (OMB No. 0915-0204)-Extension Abstract: The...

  3. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... this subpart for practice in a shortage area, death, or disability: (1) Each school will be paid an... against the loss of the institutional share of a loan canceled due to the borrower's death or permanent and total disability. The school must develop annually a rate which reflects its cancellation...

  4. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... this subpart for practice in a shortage area, death, or disability: (1) Each school will be paid an... against the loss of the institutional share of a loan canceled due to the borrower's death or permanent and total disability. The school must develop annually a rate which reflects its cancellation...

  5. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... this subpart for practice in a shortage area, death, or disability: (1) Each school will be paid an... against the loss of the institutional share of a loan canceled due to the borrower's death or permanent and total disability. The school must develop annually a rate which reflects its cancellation...

  6. 42 CFR 57.213a - Loan cancellation reimbursement.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... this subpart for practice in a shortage area, death, or disability: (1) Each school will be paid an... against the loss of the institutional share of a loan canceled due to the borrower's death or permanent and total disability. The school must develop annually a rate which reflects its cancellation...

  7. Fish assemblages in borrow-pit lakes of the Lower Mississippi River

    USGS Publications Warehouse

    Miranda, Leandro E.; Killgore, K. J.; Hoover, J.J.

    2013-01-01

    Borrow-pit lakes encompass about a third of the lentic water habitats (by area) in the active floodplain of the Lower Mississippi River, yet little is known about their fish assemblages. We investigated whether fish assemblages supported by borrow-pit lakes resembled those in oxbow lakes to help place the ecological relevance of borrow-pit lakes in context with that of natural floodplain lakes. In all, we collected 75 fish species, including 65 species in eight borrow-pit lakes, 52 species in four riverside oxbow lakes, and 44 species in eight landside oxbow lakes. Significant differences in several species richness metrics were evident between borrow-pit lakes and landside oxbow lakes but not between borrow-pit lakes and riverside oxbow lakes. All three lake types differed in fish assemblage composition. Borrow-pit lakes and riverside oxbow lakes tended to include a greater representation of fish species that require access to diverse environments, including lentic, lotic, and palustrine habitats; fish assemblages in landside oxbow lakes included a higher representation of lacustrine species. None of the fish species collected in borrow-pit lakes was federally listed as threatened or endangered, but several were listed as species of special concern by state governments in the region, suggesting that borrow-pit lakes provide habitat for sensitive riverine and wetland fish species. Differences in fish assemblages among borrow-pit lakes were linked to engineered morphologic features, suggesting that diversity in engineering can contribute to diversity in fish assemblages; however, more research is needed to match engineering designs with fish assemblage structures that best meet conservation needs.

  8. 34 CFR 682.604 - Required exit counseling for borrowers.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 34 Education 4 2014-07-01 2014-07-01 false Required exit counseling for borrowers. 682.604 Section... counseling for borrowers. (a) Exit counseling. (1) A school must ensure that exit counseling is conducted... ensure that this counseling is conducted shortly before the student borrower ceases at least half-time...

  9. Undeclared Imports: Silent Borrowing in Educational Policy-Making and Research in Sweden

    ERIC Educational Resources Information Center

    Waldow, Florian

    2009-01-01

    Research on educational policy borrowing has mostly focused on explicit transfer processes, often highlighting how explicit reference to the international has served legitimatory purposes in the borrowing country. In contrast, this paper focuses on "silent" borrowing, i.e. non-acknowledged processes of policy transfer. The paper argues…

  10. Interlingual and Interdialectal Borrowings in Chinese.

    ERIC Educational Resources Information Center

    Chao, Y.R.

    The processes involved in "borrowing" words and structures between languages and among dialects are discussed and illustrated. Interlingual borrowings between Chinese and other languages have taken place in several different ways. Sometimes the sounds of the foreign word are imitated using the sounds of the borrowing language ("leidar" for 'radar'…

  11. 7 CFR 1806.28 - Borrowers required to escrow.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... insufficient funds to pay the flood insurance premium when due, the County Supervisor will request the borrower... the flood insurance premium is being paid, the advance will be charged to the initial or lowest... REGULATIONS INSURANCE National Flood Insurance § 1806.28 Borrowers required to escrow. For borrowers required...

  12. 7 CFR 1951.7 - Accounts of borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... collection-only borrowers. (1) Collection-only borrowers are expected to pay debts to FmHA or its successor agency under Public Law 103-354 in accordance with their ability to pay. Efforts to collect such debts... activities. If these borrowers are unable to pay in full, appropriate debt settlement policies should be...

  13. 12 CFR 615.5250 - Disclosure requirements for borrower stock.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Disclosure requirements for borrower stock. 615... Disclosure requirements for borrower stock. (a) For sales of borrower stock, which for this subpart means... an at-risk investment and not a compensating balance; (ii) That the equity is retireable only at the...

  14. 34 CFR 685.215 - Discharge for false certification of student eligibility or unauthorized payment.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... accordance with the provisions of this section if a school falsely certifies the eligibility of the borrower... student's eligibility to borrow to have been falsely certified by the school if the school— (i) Certified... the school, without the borrower's authorization, endorsed the borrower's loan check or signed the...

  15. 7 CFR 1717.302 - Definitions and rules of construction.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... ELECTRIC LOANS Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.302... otherwise stated in the text, “borrower” shall mean power supply borrower. Loan contract means the agreement... loans made or guaranteed pursuant to the RE Act. Power supply borrower means any borrower engaged in the...

  16. 7 CFR 1717.302 - Definitions and rules of construction.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... ELECTRIC LOANS Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.302... otherwise stated in the text, “borrower” shall mean power supply borrower. Loan contract means the agreement... loans made or guaranteed pursuant to the RE Act. Power supply borrower means any borrower engaged in the...

  17. 12 CFR 220.10 - Borrowing and lending securities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Borrowing and lending securities. 220.10... RESERVE SYSTEM CREDIT BY BROKERS AND DEALERS (REGULATION T) § 220.10 Borrowing and lending securities. (a) Without regard to the other provisions of this part, a creditor may borrow or lend securities for the...

  18. 34 CFR 685.209 - Income contingent repayment plan.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... borrower's AGI minus the amount of the “HHS Poverty Guidelines for all States (except Alaska and Hawaii... borrower's AGI minus the amounts in the “HHS Poverty Guidelines for Alaska” and the “HHS Poverty Guidelines... borrower has more than one person in the borrower's family, the Secretary applies the HHS Poverty...

  19. 34 CFR 685.209 - Income contingent repayment plan.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... borrower's AGI minus the amount of the “HHS Poverty Guidelines for all States (except Alaska and Hawaii... borrower's AGI minus the amounts in the “HHS Poverty Guidelines for Alaska” and the “HHS Poverty Guidelines... borrower has more than one person in the borrower's family, the Secretary applies the HHS Poverty...

  20. 7 CFR 1944.425 - Handling and accounting for borrower loan funds.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 13 2013-01-01 2013-01-01 false Handling and accounting for borrower loan funds. 1944... Grants § 1944.425 Handling and accounting for borrower loan funds. Grantees will be required to administer borrower loan funds during the construction phases. The extent of their involvement will depend on...

  1. 7 CFR 1944.425 - Handling and accounting for borrower loan funds.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 13 2014-01-01 2013-01-01 true Handling and accounting for borrower loan funds. 1944... Grants § 1944.425 Handling and accounting for borrower loan funds. Grantees will be required to administer borrower loan funds during the construction phases. The extent of their involvement will depend on...

  2. 7 CFR 1944.425 - Handling and accounting for borrower loan funds.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 13 2012-01-01 2012-01-01 false Handling and accounting for borrower loan funds. 1944... Grants § 1944.425 Handling and accounting for borrower loan funds. Grantees will be required to administer borrower loan funds during the construction phases. The extent of their involvement will depend on...

  3. 7 CFR 1944.425 - Handling and accounting for borrower loan funds.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 13 2011-01-01 2009-01-01 true Handling and accounting for borrower loan funds. 1944... Grants § 1944.425 Handling and accounting for borrower loan funds. Grantees will be required to administer borrower loan funds during the construction phases. The extent of their involvement will depend on...

  4. Estimating Total-test Scores from Partial Scores in a Matrix Sampling Design.

    ERIC Educational Resources Information Center

    Sachar, Jane; Suppes, Patrick

    It is sometimes desirable to obtain an estimated total-test score for an individual who was administered only a subset of the items in a total test. The present study compared six methods, two of which utilize the content structure of items, to estimate total-test scores using 450 students in grades 3-5 and 60 items of the ll0-item Stanford Mental…

  5. 7 CFR 4287.145 - Default by borrower.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Default by borrower. 4287.145 Section 4287.145... Loans § 4287.145 Default by borrower. (a) The lender must notify the Agency when a borrower is 30 days past due on a payment or is otherwise in default of the Loan Agreement. Form FmHA 1980-44, “Guaranteed...

  6. 42 CFR 60.8 - What are the borrower's major rights and responsibilities?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false What are the borrower's major rights and responsibilities? 60.8 Section 60.8 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS HEALTH EDUCATION ASSISTANCE LOAN PROGRAM The Borrower § 60.8 What are the borrower's major rights...

  7. 7 CFR 3555.352 - Loss covered by the guarantee.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... the difference between the Total Indebtedness on the loan and the Net Recovery Value calculated... interest was paid by the borrower to the settlement date, as defined at § 3555.10; (c) Additional interest. Additional interest on the unsatisfied principal accrued from the settlement date to the date the claim is...

  8. 12 CFR 226.33 - Requirements for reverse mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... provide the following disclosures in a form substantially similar to the model form found in paragraph (d... terms, charges, the age of the youngest borrower and the appraised property value. (4) Explanation of table. An explanation of the table of total annual loan cost rates as provided in the model form found...

  9. 75 FR 64748 - Amendment to the Report on the Selection of Eligible Countries for Fiscal Year 2011

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-20

    ... with the series General Government Balance (or Central Government Balance) as a percent of gross... Government Balance series with the Net Lending/ Borrowing series. Whereas General Government Balance was... simply as revenue minus total expenditure. It is similar to General Government Balance, but is believed...

  10. 7 CFR 4279.229 - Guaranteed loan funding.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    .... For example, an eligible borrower is applying for a loan guarantee on a $1 million project. The... (d)(1) through (d)(4) of this section. (1) If the loan amount is equal to or less than $125 million... at least 1 year in duration; and (iii) Collateral coverage ratio, total discounted collateral value...

  11. 7 CFR 4279.229 - Guaranteed loan funding.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    .... For example, an eligible borrower is applying for a loan guarantee on a $1 million project. The... (d)(1) through (d)(4) of this section. (1) If the loan amount is equal to or less than $125 million... at least 1 year in duration; and (iii) Collateral coverage ratio, total discounted collateral value...

  12. 7 CFR 4279.229 - Guaranteed loan funding.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    .... For example, an eligible borrower is applying for a loan guarantee on a $1 million project. The... (d)(1) through (d)(4) of this section. (1) If the loan amount is equal to or less than $125 million... at least 1 year in duration; and (iii) Collateral coverage ratio, total discounted collateral value...

  13. Effective Counseling, Empowered Borrowers: An Evidence-Based Policy Agenda for Informed Student Loan Borrowing and Repayment. Research Report

    ERIC Educational Resources Information Center

    Fernandez, Chris

    2016-01-01

    To manage their loans effectively, U.S. postsecondary student loan borrowers must make a variety of important decisions that require significant knowledge and financial skills and entail considerable risk. Federal law requires colleges to provide student loan counseling to their federal student loan borrowers, but there is significant room for…

  14. The Changing Profile of Student Borrowers: Biggest Increase in Borrowing Has Been among More Affluent Students

    ERIC Educational Resources Information Center

    Fry, Richard

    2014-01-01

    This report focuses on the family income background of recent college graduates who took on student debt and how the financial profile of borrowers has changed over the past 20 years. Many recent analyses have examined why undergraduates are borrowing more for their education. This analysis seeks to illuminate which undergraduates are increasingly…

  15. 12 CFR 617.7120 - How should a qualified lender present the disclosures to a borrower?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... SYSTEM BORROWER RIGHTS Disclosure of Effective Interest Rates § 617.7120 How should a qualified lender present the disclosures to a borrower? A qualified lender must: (a) Disclose the effective interest rate..., in a form that is easy to read and understand and that the borrower may keep; and (b) Not combine the...

  16. 7 CFR 1717.860 - Lien accommodations and subordinations under section 306E of the RE Act.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... worth will be based on the borrower's most recent financial and statistical report, the data in which... statistical reports (Form 7 for distribution borrowers and Form 12a for power supply borrowers) are subject to... borrower's financial and statistical report, the data in which shall not be more than 60 days old when the...

  17. 7 CFR 1717.657 - Investments above the 15 percent level by certain borrowers not exempt under § 1717.656(a).

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... plant. (d) Distribution and power supply borrowers. If the aggregate of the investments, loans and... investment controls under § 1717.656(a) may not make investments, loans and guarantees in an aggregate amount... (d) of this section.) (c) Power supply borrowers. (1) Power supply borrowers not exempt from RUS...

  18. 25 CFR 103.27 - Can the borrower get help preparing its loan application or putting its loan funds to use?

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... § 103.17(d). The borrower should contact the BIA field or agency office serving the area in which the borrower's business is to be located, or if there is no separate field or agency office serving the area, then the borrower should contact the BIA regional office serving the area. ...

  19. Boundary curves of individual items in the distribution of total depressive symptom scores approximate an exponential pattern in a general population.

    PubMed

    Tomitaka, Shinichiro; Kawasaki, Yohei; Ide, Kazuki; Akutagawa, Maiko; Yamada, Hiroshi; Furukawa, Toshiaki A; Ono, Yutaka

    2016-01-01

    Previously, we proposed a model for ordinal scale scoring in which individual thresholds for each item constitute a distribution by each item. This lead us to hypothesize that the boundary curves of each depressive symptom score in the distribution of total depressive symptom scores follow a common mathematical model, which is expressed as the product of the frequency of the total depressive symptom scores and the probability of the cumulative distribution function of each item threshold. To verify this hypothesis, we investigated the boundary curves of the distribution of total depressive symptom scores in a general population. Data collected from 21,040 subjects who had completed the Center for Epidemiologic Studies Depression Scale (CES-D) questionnaire as part of a national Japanese survey were analyzed. The CES-D consists of 20 items (16 negative items and four positive items). The boundary curves of adjacent item scores in the distribution of total depressive symptom scores for the 16 negative items were analyzed using log-normal scales and curve fitting. The boundary curves of adjacent item scores for a given symptom approximated a common linear pattern on a log normal scale. Curve fitting showed that an exponential fit had a markedly higher coefficient of determination than either linear or quadratic fits. With negative affect items, the gap between the total score curve and boundary curve continuously increased with increasing total depressive symptom scores on a log-normal scale, whereas the boundary curves of positive affect items, which are not considered manifest variables of the latent trait, did not exhibit such increases in this gap. The results of the present study support the hypothesis that the boundary curves of each depressive symptom score in the distribution of total depressive symptom scores commonly follow the predicted mathematical model, which was verified to approximate an exponential mathematical pattern.

  20. Boundary curves of individual items in the distribution of total depressive symptom scores approximate an exponential pattern in a general population

    PubMed Central

    Kawasaki, Yohei; Akutagawa, Maiko; Yamada, Hiroshi; Furukawa, Toshiaki A.; Ono, Yutaka

    2016-01-01

    Background Previously, we proposed a model for ordinal scale scoring in which individual thresholds for each item constitute a distribution by each item. This lead us to hypothesize that the boundary curves of each depressive symptom score in the distribution of total depressive symptom scores follow a common mathematical model, which is expressed as the product of the frequency of the total depressive symptom scores and the probability of the cumulative distribution function of each item threshold. To verify this hypothesis, we investigated the boundary curves of the distribution of total depressive symptom scores in a general population. Methods Data collected from 21,040 subjects who had completed the Center for Epidemiologic Studies Depression Scale (CES-D) questionnaire as part of a national Japanese survey were analyzed. The CES-D consists of 20 items (16 negative items and four positive items). The boundary curves of adjacent item scores in the distribution of total depressive symptom scores for the 16 negative items were analyzed using log-normal scales and curve fitting. Results The boundary curves of adjacent item scores for a given symptom approximated a common linear pattern on a log normal scale. Curve fitting showed that an exponential fit had a markedly higher coefficient of determination than either linear or quadratic fits. With negative affect items, the gap between the total score curve and boundary curve continuously increased with increasing total depressive symptom scores on a log-normal scale, whereas the boundary curves of positive affect items, which are not considered manifest variables of the latent trait, did not exhibit such increases in this gap. Discussion The results of the present study support the hypothesis that the boundary curves of each depressive symptom score in the distribution of total depressive symptom scores commonly follow the predicted mathematical model, which was verified to approximate an exponential mathematical pattern. PMID:27761346

  1. 34 CFR 682.603 - Certification by a participating school in connection with a loan application.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... of a parent borrower, the student for whom the loan is intended, is complete and accurate. Except as provided in 34 CFR part 668, subpart E, a school may rely in good faith upon statements made by the borrower and, in the case of a parent borrower of a PLUS loan, the student and the parent borrower. (b) The...

  2. Boon or bane: 401(k) loans and employee contributions.

    PubMed

    Wenger, Jeffrey B; Weller, Christian E

    2014-09-01

    Economic and behavioral theories arrive at different conclusions about the effect of being allowed to borrow from one's defined-contribution (DC) retirement plan on people's contributions to DC plans. Traditional life-cycle models unambiguously suggest that the borrowing option makes people better off than not being able to borrow. Households consequently contribute more to their DC plans than they would absent the borrowing option. Previous research finds that the ability to borrow from a DC plan increases contemporaneous contributions, consistent with traditional models. Behavioral finance, in contrast, suggests that some workers may operate with nonlinear time discounting. They plan on saving more in the future but change their mind and save less than initially planned as time passes. These workers may enjoy higher lifetime utility if they have no loan option because DC plans serve as commitment devices for retirement saving. The money cannot be used prior to retirement. Absent this commitment device, contributions may be lower for some households than would be the case without a DC loan option. We study DC plan contributions for households with heterogeneous preferences about discounting. We separate households into those that demonstrate inconsistent (or paradoxical) borrowing behavior, which may reflect nonlinear time discounting, and those with more consistent borrowing behavior. We find that a DC loan option raises current savings, but does so more for households with consistent borrowing behavior than for those with inconsistent borrowing behavior. © The Author(s) 2013.

  3. 25 CFR 103.27 - Can the borrower get help preparing its loan application or putting its loan funds to use?

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 25 Indians 1 2011-04-01 2011-04-01 false Can the borrower get help preparing its loan application or putting its loan funds to use? 103.27 Section 103.27 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT... Relating to Borrowers § 103.27 Can the borrower get help preparing its loan application or putting its loan...

  4. 12 CFR 617.7410 - When and how does a qualified lender notify a borrower of the right to seek loan restructuring?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... borrower of the right to seek loan restructuring? 617.7410 Section 617.7410 Banks and Banking FARM CREDIT... Mediation Programs § 617.7410 When and how does a qualified lender notify a borrower of the right to seek... been identified as distressed and that the borrower has the right to request a restructuring of the...

  5. 7 CFR 1788.47 - Policy requirements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.47 Policy requirements. (a) Contractors, engineers, and architects performing work for borrowers under construction...

  6. 7 CFR 1788.47 - Policy requirements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.47 Policy requirements. (a) Contractors, engineers, and architects performing work for borrowers under construction...

  7. 7 CFR 1788.47 - Policy requirements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.47 Policy requirements. (a) Contractors, engineers, and architects performing work for borrowers under construction...

  8. 7 CFR 1788.47 - Policy requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.47 Policy requirements. (a) Contractors, engineers, and architects performing work for borrowers under construction...

  9. 7 CFR 1788.47 - Policy requirements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.47 Policy requirements. (a) Contractors, engineers, and architects performing work for borrowers under construction...

  10. Educators Guide to Free Filmstrips. Twenty-Third Edition.

    ERIC Educational Resources Information Center

    Horkheimer, Mary Foley, Comp.; Diffor, John C., Comp.

    A total of 453 titles of filmstrips, slide sets, and sets of transparencies available free of charge to educators are listed in this guide. More than 20,000 separate frames are offered from 95 sources. Twenty of the filmstrips may be retained permanently by the borrower. The films cover topics in the fields of accident prevention, aerospace…

  11. Students' Perceptions of Their Education Debt and Its Impact on Life after Graduation.

    ERIC Educational Resources Information Center

    Hira, Tahira K.; Anderson, Mary M.; Petersen, Karen

    2000-01-01

    Analysis of data from 443 graduating college seniors found many students: (1) unaware of their total loan indebtedness and payment obligations (both over- and under-estimating debt payments); (2) borrowed to support "a better lifestyle," and (3) were unable to estimate realistically their post-graduation earnings and ability to meet repayment…

  12. Food of nestling green-backed herons in West Central Mississippi

    USGS Publications Warehouse

    Ensor, K.L.; Dusi, J.L.; White, D.H.

    1986-01-01

    Food habits of the green-backed heron have received much attention recently, though little data exists in the literature on food items fed to nestlings. Analysis of 74 nestling boluses collected between 5 May and 10 July 1985 included four categories: a) number of prey items, b) % of total individuals by number, c) % frequency of herons with that particular prey item, d) % of total diet by weight. By class, fish dominated the diet, followed by insects, amphibians, crustaceans, and arachnids in descending order. Amphibians, however, had a higher % of total diet by weight than insects. The mosquitofish (Gambusia affinis) made up the largest part of the diet by # of prey items and % of total individuals by #. Bowfin (Amia calva) was the major prey item by weight. Back-swimmers (F. Notonectidae) occurred in more boluses than any other prey item. Lengths of prey items by class will also be discussed.

  13. Borrowing Benefits: Group Treatment With Clinical Emotional Freedom Techniques Is Associated With Simultaneous Reductions in Posttraumatic Stress Disorder, Anxiety, and Depression Symptoms

    PubMed Central

    House, Dennis

    2018-01-01

    Clinical Emotional Freedom Techniques (EFT) is an evidence-based treatment for depression and anxiety. The current study sought to elucidate the relationship between posttraumatic stress disorder (PTSD), depression, and anxiety in a nonclinical population. The sample (N = 81) comprised participants at five 2-day EFT workshops. All groups used an EFT protocol called Borrowing Benefits, in which the group facilitator works with a single client while other participants self-apply EFT. Participants were assessed on 9 specific conditions as well as on the breadth (Positive Symptom Total [PST]) and depth (General Symptom Index [GSI]) of psychological distress. Physical pain and addictive cravings were also assessed. Significant reductions were observed in all measures (P < .03). Associations between PST, GSI, and PTSD were significant (P < .026). Participants maintained all gains at 6-month follow-up (P < .02) with the exception of the Hostility subscale, while Cohen’s d = 0.54 indicated a moderate treatment effect for PTSD. The relationship between psychological and physiological conditions identified in this study is consistent with that found in other studies. Group treatment is cost-effective and efficient, and the efficacy of EFT in groups indicates the utility of the Borrowing Benefits technique. PMID:29468884

  14. 34 CFR 682.800 - Prohibition against discrimination as a condition for receiving special allowance payments.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... programs because of the borrower's race, sex, color, religion, national origin, age, disability status... borrower's education program, or the borrower's academic year in school. (b) The Secretary considers an...

  15. 34 CFR 682.800 - Prohibition against discrimination as a condition for receiving special allowance payments.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... programs because of the borrower's race, sex, color, religion, national origin, age, disability status... borrower's education program, or the borrower's academic year in school. (b) The Secretary considers an...

  16. 34 CFR 682.800 - Prohibition against discrimination as a condition for receiving special allowance payments.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... programs because of the borrower's race, sex, color, religion, national origin, age, disability status... borrower's education program, or the borrower's academic year in school. (b) The Secretary considers an...

  17. 7 CFR 1951.266 - Special requirements for MFH borrowers.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Needs and Graduation of Borrowers § 1951.266 Special requirements for MFH borrowers. All requirements of 7 CFR part 3560, subpart K must be met prior to graduation and acceptance of the full payment from...

  18. 7 CFR 1951.266 - Special requirements for MFH borrowers.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Needs and Graduation of Borrowers § 1951.266 Special requirements for MFH borrowers. All requirements of 7 CFR part 3560, subpart K must be met prior to graduation and acceptance of the full payment from...

  19. 7 CFR 1951.266 - Special requirements for MFH borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Needs and Graduation of Borrowers § 1951.266 Special requirements for MFH borrowers. All requirements of 7 CFR part 3560, subpart K must be met prior to graduation and acceptance of the full payment from...

  20. 7 CFR 1951.266 - Special requirements for MFH borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Needs and Graduation of Borrowers § 1951.266 Special requirements for MFH borrowers. All requirements of 7 CFR part 3560, subpart K must be met prior to graduation and acceptance of the full payment from...

  1. 7 CFR 1951.266 - Special requirements for MFH borrowers.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Needs and Graduation of Borrowers § 1951.266 Special requirements for MFH borrowers. All requirements of 7 CFR part 3560, subpart K must be met prior to graduation and acceptance of the full payment from...

  2. 7 CFR 1788.12 - Contractors' bonds.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Electric Borrowers § 1788.12 Contractors' bonds. Electric borrowers shall require contractors to obtain contractors' bonds when required by part 1726...

  3. 7 CFR 1788.12 - Contractors' bonds.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Electric Borrowers § 1788.12 Contractors' bonds. Electric borrowers shall require contractors to obtain contractors' bonds when required by part 1726...

  4. 7 CFR 1788.12 - Contractors' bonds.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Electric Borrowers § 1788.12 Contractors' bonds. Electric borrowers shall require contractors to obtain contractors' bonds when required by part 1726...

  5. 7 CFR 1788.12 - Contractors' bonds.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Electric Borrowers § 1788.12 Contractors' bonds. Electric borrowers shall require contractors to obtain contractors' bonds when required by part 1726...

  6. Effects of borrow site preparation and fertilization on natural revegetation

    DOT National Transportation Integrated Search

    1987-01-01

    This study report describes the effects of experimental fertilization and surface conditioning of a gravel borrow site which lacked a topsoil covering. In summary, borrow site revegetation by fireweed may be greatly enhanced by scarifying and fertili...

  7. 42 CFR 60.10 - How much can be borrowed?

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... psychology, or allied health may borrow up to $50,000 under this part. The amount received may not exceed $12... administration, or clinical psychology may borrow up to $50,000 under this part including loans obtained while...

  8. 42 CFR 60.10 - How much can be borrowed?

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... psychology, or allied health may borrow up to $50,000 under this part. The amount received may not exceed $12... administration, or clinical psychology may borrow up to $50,000 under this part including loans obtained while...

  9. 42 CFR 60.10 - How much can be borrowed?

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... psychology, or allied health may borrow up to $50,000 under this part. The amount received may not exceed $12... administration, or clinical psychology may borrow up to $50,000 under this part including loans obtained while...

  10. 42 CFR 60.10 - How much can be borrowed?

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... psychology, or allied health may borrow up to $50,000 under this part. The amount received may not exceed $12... administration, or clinical psychology may borrow up to $50,000 under this part including loans obtained while...

  11. 42 CFR 60.10 - How much can be borrowed?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... psychology, or allied health may borrow up to $50,000 under this part. The amount received may not exceed $12... administration, or clinical psychology may borrow up to $50,000 under this part including loans obtained while...

  12. 7 CFR 1788.55 - Providing RUS evidence.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.55 Providing RUS evidence. When RUS shall specifically so direct, the borrower shall also require the engineer, the...

  13. 7 CFR 1788.55 - Providing RUS evidence.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.55 Providing RUS evidence. When RUS shall specifically so direct, the borrower shall also require the engineer, the...

  14. 7 CFR 1788.55 - Providing RUS evidence.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.55 Providing RUS evidence. When RUS shall specifically so direct, the borrower shall also require the engineer, the...

  15. 7 CFR 1788.55 - Providing RUS evidence.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.55 Providing RUS evidence. When RUS shall specifically so direct, the borrower shall also require the engineer, the...

  16. 7 CFR 1788.55 - Providing RUS evidence.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.55 Providing RUS evidence. When RUS shall specifically so direct, the borrower shall also require the engineer, the...

  17. 7 CFR 1770.26 - General.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... (CONTINUED) ACCOUNTING REQUIREMENTS FOR RUS TELECOMMUNICATIONS BORROWERS Accounting Interpretations § 1770.26 General. (a) The standard provisions of the security instruments utilized by the Rural Utilities Service (RUS) and the Rural Telephone Bank (RTB) for all telecommunications borrowers require borrowers to at...

  18. 7 CFR 1717.857 - Refinancing of existing secured debt-distribution and power supply borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... the proposed loan; (4) The borrower's financial and statistical report, the data in which shall not be... delinquency and the reasons therefor; and a certification, if not previously provided, that the borrower has...

  19. Estimating Total-Test Scores from Partial Scores in a Matrix Sampling Design.

    ERIC Educational Resources Information Center

    Sachar, Jane; Suppes, Patrick

    1980-01-01

    The present study compared six methods, two of which utilize the content structure of items, to estimate total-test scores using 450 students and 60 items of the 110-item Stanford Mental Arithmetic Test. Three methods yielded fairly good estimates of the total-test score. (Author/RL)

  20. 7 CFR 1717.656 - Exemption of certain borrowers from controls.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... available, the borrower achieved an operating TIER of at least 1.0 and an operating DSC of at least 1.0, in... subject to the record-keeping, reporting, and other requirements of § 1717.658. (c) Any borrower exempt...

  1. 7 CFR 1710.208 - RUS criteria for approval of all load forecasts by power supply borrowers and by distribution...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... borrower developed an adequate supporting database and analyzed a reasonable range of relevant assumptions and alternative futures; (d) The borrower adopted methods and procedures in general use by the...

  2. 7 CFR 1730.26 - Certification.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Operations and Maintenance Requirements § 1730.26 Certification. (a) Engineer's certification. Where provided for in the borrower's loan documents, RUS may require the borrower to provide an “Engineer's Certification” as to the condition of the borrower's system...

  3. 7 CFR 1730.26 - Certification.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Operations and Maintenance Requirements § 1730.26 Certification. (a) Engineer's certification. Where provided for in the borrower's loan documents, RUS may require the borrower to provide an “Engineer's Certification” as to the condition of the borrower's system...

  4. 7 CFR 1730.26 - Certification.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Operations and Maintenance Requirements § 1730.26 Certification. (a) Engineer's certification. Where provided for in the borrower's loan documents, RUS may require the borrower to provide an “Engineer's Certification” as to the condition of the borrower's system...

  5. 7 CFR 1730.26 - Certification.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Operations and Maintenance Requirements § 1730.26 Certification. (a) Engineer's certification. Where provided for in the borrower's loan documents, RUS may require the borrower to provide an “Engineer's Certification” as to the condition of the borrower's system...

  6. 7 CFR 1730.26 - Certification.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Operations and Maintenance Requirements § 1730.26 Certification. (a) Engineer's certification. Where provided for in the borrower's loan documents, RUS may require the borrower to provide an “Engineer's Certification” as to the condition of the borrower's system...

  7. 7 CFR 1730.61 - RUS policy.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ..., or reliability on the borrower's electric power system or other electric power systems interconnected to the borrower's electric power system. The Agency encourages borrowers to consider model policy... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Interconnection of Distributed Resources § 1730.61 RUS policy...

  8. 7 CFR 1730.61 - RUS policy.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., or reliability on the borrower's electric power system or other electric power systems interconnected to the borrower's electric power system. The Agency encourages borrowers to consider model policy... ELECTRIC SYSTEM OPERATIONS AND MAINTENANCE Interconnection of Distributed Resources § 1730.61 RUS policy...

  9. 7 CFR 1724.30 - Borrowers' requirements-engineering services.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Borrowers' requirements-engineering services. 1724.30... SERVICE, DEPARTMENT OF AGRICULTURE ELECTRIC ENGINEERING, ARCHITECTURAL SERVICES AND DESIGN POLICIES AND PROCEDURES Engineering Services § 1724.30 Borrowers' requirements—engineering services. The provisions of...

  10. 7 CFR 1724.30 - Borrowers' requirements-engineering services.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 11 2011-01-01 2011-01-01 false Borrowers' requirements-engineering services. 1724.30... SERVICE, DEPARTMENT OF AGRICULTURE ELECTRIC ENGINEERING, ARCHITECTURAL SERVICES AND DESIGN POLICIES AND PROCEDURES Engineering Services § 1724.30 Borrowers' requirements—engineering services. The provisions of...

  11. 7 CFR 1724.30 - Borrowers' requirements-engineering services.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 11 2012-01-01 2012-01-01 false Borrowers' requirements-engineering services. 1724.30... SERVICE, DEPARTMENT OF AGRICULTURE ELECTRIC ENGINEERING, ARCHITECTURAL SERVICES AND DESIGN POLICIES AND PROCEDURES Engineering Services § 1724.30 Borrowers' requirements—engineering services. The provisions of...

  12. 7 CFR 1724.30 - Borrowers' requirements-engineering services.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 11 2013-01-01 2013-01-01 false Borrowers' requirements-engineering services. 1724.30... SERVICE, DEPARTMENT OF AGRICULTURE ELECTRIC ENGINEERING, ARCHITECTURAL SERVICES AND DESIGN POLICIES AND PROCEDURES Engineering Services § 1724.30 Borrowers' requirements—engineering services. The provisions of...

  13. 12 CFR 614.4359 - Attribution rules.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... controlling influence over management of a related borrower's operations through the provisions of management... borrower, or (3) Exercises a controlling influence over management of a related borrower's operations through the provisions of management placement or marketing agreements, or providing services such as...

  14. 7 CFR 1717.652 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    .... Distribution borrower means a Distribution Borrower as defined in 7 CFR 1710.2. Electric system means all of the borrower's interests in all electric production, transmission, distribution, conservation, load management, general plant and other related facilities, equipment or property and in any mine, well, pipeline...

  15. 7 CFR 1724.30 - Borrowers' requirements-engineering services.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 11 2014-01-01 2014-01-01 false Borrowers' requirements-engineering services. 1724.30... SERVICE, DEPARTMENT OF AGRICULTURE ELECTRIC ENGINEERING, ARCHITECTURAL SERVICES AND DESIGN POLICIES AND PROCEDURES Engineering Services § 1724.30 Borrowers' requirements—engineering services. Link to an amendment...

  16. 7 CFR 1767.11 - Purpose.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., business and affairs of the borrower in accordance with the methods and principles of accounting of this... (CONTINUED) ACCOUNTING REQUIREMENTS FOR RUS ELECTRIC BORROWERS Uniform System of Accounts § 1767.11 Purpose...A for electric borrowers and by providing accounting methodologies and procedures which are...

  17. 7 CFR 1770.27 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Definitions. 1770.27 Section 1770.27 Agriculture... (CONTINUED) ACCOUNTING REQUIREMENTS FOR RUS TELECOMMUNICATIONS BORROWERS Accounting Interpretations § 1770.27 Definitions. As used in this part: Borrower is an RUS telecommunications borrower. Cushion of Credit Account...

  18. 14 CFR 1300.11 - Eligible borrower.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Aeronautics and Space AIR TRANSPORTATION SYSTEM STABILIZATION OFFICE OF MANAGEMENT AND BUDGET AVIATION DISASTER RELIEF-AIR CARRIER GUARANTEE LOAN PROGRAM Minimum Requirements and Application Procedures § 1300.11 Eligible borrower. (a) An eligible borrower must be an air carrier that can demonstrate, to the...

  19. 7 CFR 1726.301 - Borrower contractual obligations.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE ELECTRIC SYSTEM CONSTRUCTION POLICIES AND PROCEDURES RUS Standard Forms § 1726.301... which the borrower agrees to use RUS standard forms of contracts for construction, procurement... agreements as implemented by this part, borrowers must use those forms of contract (hereinafter sometimes...

  20. 7 CFR 1755.27 - Borrower contractual obligations.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE TELECOMMUNICATIONS POLICIES ON SPECIFICATIONS, ACCEPTABLE MATERIALS, AND STANDARD CONTRACT FORMS § 1755.27 Borrower contractual obligations. (a) Loan agreement. As a condition of a loan or... pursuant to which the borrowers agree to use RUS standard contract forms for construction, procurement...

  1. 7 CFR 1703.312 - RUS review requirements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... supporting material is available at the borrower's premises for review by the RUS field accountant, borrower's certified public accountant, the Office of Inspector General, the General Accounting Office and any other accountant conducting an audit of the borrower's financial statements for this rural...

  2. 7 CFR 1703.312 - RUS review requirements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... supporting material is available at the borrower's premises for review by the RUS field accountant, borrower's certified public accountant, the Office of Inspector General, the General Accounting Office and any other accountant conducting an audit of the borrower's financial statements for this rural...

  3. 7 CFR 1703.312 - RUS review requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... supporting material is available at the borrower's premises for review by the RUS field accountant, borrower's certified public accountant, the Office of Inspector General, the General Accounting Office and any other accountant conducting an audit of the borrower's financial statements for this rural...

  4. 7 CFR 1703.312 - RUS review requirements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... supporting material is available at the borrower's premises for review by the RUS field accountant, borrower's certified public accountant, the Office of Inspector General, the General Accounting Office and any other accountant conducting an audit of the borrower's financial statements for this rural...

  5. 7 CFR 1703.312 - RUS review requirements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... supporting material is available at the borrower's premises for review by the RUS field accountant, borrower's certified public accountant, the Office of Inspector General, the General Accounting Office and any other accountant conducting an audit of the borrower's financial statements for this rural...

  6. Environmental Impact Statement. Volume 1. Proposed High Frequency Active Auroral Research Program

    DTIC Science & Technology

    1993-07-01

    Proposed HAARP Facility and Potential Borrow Areas P-1 & P-2 Cultural Resources Survey Areas, 1988 - 1990 ....... 3-97 3.9-3 Potential Borrow Area A -1...Cultural Resou Survey Areas 1988 ..... 3-99 3.9-4 Potential Borrow Area A -4 Cultural Resource Survey Areas 1988 ...... 3-101 3.9-5 Potential Borrow Area A -5...1987 (5 holes) and 1988 (2 holes) (USACOE, 1987a; 1988 ), and a series of additional borings conducted in 1989 (Moolin and Associates, 1989). These

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

    Whitford, W.G.; Elkins, N.Z.; Parker, L.W.

    In laboratory microcosms of coal mine spoil amended with bark and wood chips, the activity of termites increased organic matter and increased total nitrogen. Termite survival was reduced in microcosms with spoil and paper or straw amendments. Field studies evaluating the efficacy of organic amendments in developing a soil biota showed that decomposition rates of wood chip-bark amended spoil were the same as unmined soil and that decomposition rates were lower than all other mulch-spoil combinations. Wood and bark amended-spoil had the highest density and diversity of soil fauna. Top dressing spoils with borrow soil did not improve any ofmore » the soil biological parameters measured. Based on these data it was recommended that reclamation procedures be changed to eliminate borrow soil top-dressing and that wood removed from mined areas be returned to the contoured spoil as wood chip amendment in addition to straw mulch.« less

  8. A Sharper Focus on What Students Pay, and Whether They Graduate

    ERIC Educational Resources Information Center

    Lipka, Sara

    2012-01-01

    Efforts to keep higher education affordable for all students and to promote not only access, but success--all in a climate of dwindling state appropriations and lean budgets--made the past year one of reckoning for colleges. Total outstanding student-loan debt hit the $1-trillion mark as federal officials scrambled to ease the burden on borrowers,…

  9. Trends in Student Aid, 2014. Trends in Higher Education Series

    ERIC Educational Resources Information Center

    Baum, Sandy; Elliott, Diane Cardenas; Ma, Jennifer; Bell, D'Wayne

    2014-01-01

    After increasing by 18% (in inflation-adjusted dollars) between 2007-08 and 2010-11, the total amount students borrowed in federal and non-federal education loans declined by 13% between 2010-11 and 2013-14. Growth in full-time equivalent (FTE) postsecondary enrollment of 16% over the first three years, followed by a decline of 4% over the next…

  10. Debt Burdens among MSW Graduates: A National Cross-Sectional Study

    ERIC Educational Resources Information Center

    Yoon, Intae

    2012-01-01

    Cross-sectional data reveal alarming financial situations among 2009 MSW graduates from 25 states and their loan decisions (N=260). More than a quarter of the participants owe at least $40,000 in educational loans from their MSW degree, and 30% borrowed at least $30,000 of their total college education debt. Expensive credit cards are used more…

  11. 7 CFR 1737.2 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    .... Feasibility study means the pro forma financial analysis performed by RUS to determine the economic... RUS to the borrower's construction fund. Borrower means any organization which has an outstanding loan... percent per year. Initial loan means the first loan made to a borrower. Interim construction means the...

  12. 7 CFR 1737.2 - Definitions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    .... Feasibility study means the pro forma financial analysis performed by RUS to determine the economic... RUS to the borrower's construction fund. Borrower means any organization which has an outstanding loan... percent per year. Initial loan means the first loan made to a borrower. Interim construction means the...

  13. 7 CFR 1737.2 - Definitions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    .... Feasibility study means the pro forma financial analysis performed by RUS to determine the economic... RUS to the borrower's construction fund. Borrower means any organization which has an outstanding loan... percent per year. Initial loan means the first loan made to a borrower. Interim construction means the...

  14. 7 CFR 1737.2 - Definitions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    .... Feasibility study means the pro forma financial analysis performed by RUS to determine the economic... RUS to the borrower's construction fund. Borrower means any organization which has an outstanding loan... percent per year. Initial loan means the first loan made to a borrower. Interim construction means the...

  15. 7 CFR 1737.2 - Definitions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    .... Feasibility study means the pro forma financial analysis performed by RUS to determine the economic... RUS to the borrower's construction fund. Borrower means any organization which has an outstanding loan... percent per year. Initial loan means the first loan made to a borrower. Interim construction means the...

  16. 7 CFR 1753.7 - Plans and specifications (P&S).

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... specifications prepared by the borrower's engineer. The specifications prepared by the borrower's engineer and... its contractor complies with the insurance and bond requirements. (4) Telecommunications software license provision. If the borrower is required to enter into a software license agreement in order to use...

  17. 7 CFR 1753.7 - Plans and specifications (P&S).

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... specifications prepared by the borrower's engineer. The specifications prepared by the borrower's engineer and... its contractor complies with the insurance and bond requirements. (4) Telecommunications software license provision. If the borrower is required to enter into a software license agreement in order to use...

  18. 7 CFR 1753.7 - Plans and specifications (P&S).

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... specifications prepared by the borrower's engineer. The specifications prepared by the borrower's engineer and... its contractor complies with the insurance and bond requirements. (4) Telecommunications software license provision. If the borrower is required to enter into a software license agreement in order to use...

  19. 7 CFR 1753.7 - Plans and specifications (P&S).

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... specifications prepared by the borrower's engineer. The specifications prepared by the borrower's engineer and... its contractor complies with the insurance and bond requirements. (4) Telecommunications software license provision. If the borrower is required to enter into a software license agreement in order to use...

  20. 7 CFR 1730.24 - RUS review and evaluation.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... independent summary of the operations and maintenance practices of the borrower. The borrower's management... and maintenance practices of each borrower for the purpose of assessing loan security and determining..., and records related to the operations and maintenance of its complete system. Reports made by other...

  1. 7 CFR 1753.49 - Closeout documents.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Distribution Borrower Contractor 724 Final Inventory—Certificate of Completion 2 1 1 724a Final Inventory... representative of the borrower. (2) Final inventory documents. (i) The borrower shall obtain certifications from... prepare and distribute the final inventory documents in accordance with the tables contained in this...

  2. 38 CFR 36.4350 - Servicing procedures for holders.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... and counseling delinquent borrowers to advise borrowers how to cure delinquencies, protect their...) Procedural guidelines for individual analysis of each delinquency; (4) Instructions and appropriate controls... efforts made to collect the delinquency and the response from the borrower before a decision is made to...

  3. 7 CFR 1718.102 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718.102 Definitions. For the purposes of this subpart: Borrower means any organization that has an outstanding loan... defined in 7 CFR 1710.2. Loan documents means the mortgage (or other security instrument acceptable to RUS...

  4. 7 CFR 766.105 - Agency consideration of servicing requests.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... each eligible borrower who requests servicing: (1) Conservation Contract, if requested; (2) Consolidation and rescheduling or reamortization; (3) Deferral; (4) Writedown; and (5) Current market value... develop a feasible plan; (ii) The borrower will be offered current market value buyout. (2) The borrower's...

  5. 7 CFR 1717.658 - Records, reports and audits.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Investments, Loans, and Guarantees by Electric Borrowers § 1717.658 Records, reports and audits. (a) Every borrower shall maintain accurate records concerning all investments, loans and guarantees made by it. Such... all income, expenses and losses generated from the borrower's loans, guarantees and investments; (2...

  6. 13 CFR 400.200 - Eligible Borrower.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 400.200 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.200 Eligible Borrower. (a) An eligible Borrower must be a Qualified Steel Company that can demonstrate: (1) Credit is not otherwise available to it under reasonable...

  7. 13 CFR 400.200 - Eligible Borrower.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 400.200 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.200 Eligible Borrower. (a) An eligible Borrower must be a Qualified Steel Company that can demonstrate: (1) Credit is not otherwise available to it under reasonable...

  8. 13 CFR 400.200 - Eligible Borrower.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 400.200 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.200 Eligible Borrower. (a) An eligible Borrower must be a Qualified Steel Company that can demonstrate: (1) Credit is not otherwise available to it under reasonable...

  9. 13 CFR 400.200 - Eligible Borrower.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 400.200 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.200 Eligible Borrower. (a) An eligible Borrower must be a Qualified Steel Company that can demonstrate: (1) Credit is not otherwise available to it under reasonable...

  10. 13 CFR 400.200 - Eligible Borrower.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 400.200 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.200 Eligible Borrower. (a) An eligible Borrower must be a Qualified Steel Company that can demonstrate: (1) Credit is not otherwise available to it under reasonable...

  11. Borrowing of strength and study weights in multivariate and network meta-analysis.

    PubMed

    Jackson, Dan; White, Ian R; Price, Malcolm; Copas, John; Riley, Richard D

    2017-12-01

    Multivariate and network meta-analysis have the potential for the estimated mean of one effect to borrow strength from the data on other effects of interest. The extent of this borrowing of strength is usually assessed informally. We present new mathematical definitions of 'borrowing of strength'. Our main proposal is based on a decomposition of the score statistic, which we show can be interpreted as comparing the precision of estimates from the multivariate and univariate models. Our definition of borrowing of strength therefore emulates the usual informal assessment. We also derive a method for calculating study weights, which we embed into the same framework as our borrowing of strength statistics, so that percentage study weights can accompany the results from multivariate and network meta-analyses as they do in conventional univariate meta-analyses. Our proposals are illustrated using three meta-analyses involving correlated effects for multiple outcomes, multiple risk factor associations and multiple treatments (network meta-analysis).

  12. Beyond Abuse and Exposure: Framing the Impact of Prescription-Medication Sharing

    PubMed Central

    Goldsworthy, Richard C.; Schwartz, Nancy C.; Mayhorn, Christopher B.

    2008-01-01

    Objectives. We sought to document the frequency, circumstances, and consequences of prescription medication–sharing behaviors and to use a medication-sharing impact framework to organize the resulting data regarding medication-loaning and -borrowing practices. Methods. One-on-one interviews were conducted in 2006, and participants indicated (1) prescription medicine taken in the past year, (2) whether they had previously loaned or borrowed prescription medicine, (3) scenarios in which they would consider loaning or borrowing prescription medicine, and (4) the types of prescription medicines they had loaned or borrowed. Results. Of the 700 participants, 22.9% reported having loaned their medications to someone else and 26.9% reported having borrowed someone else’s prescription. An even greater proportion of participants reported situations in which medication sharing was acceptable to them. Conclusions. Sharing prescription medication places individuals at risk for diverse consequences, and further research regarding medication loaning and borrowing behaviors and their associated consequences is merited. PMID:18445792

  13. Borrowing of strength and study weights in multivariate and network meta-analysis

    PubMed Central

    Jackson, Dan; White, Ian R; Price, Malcolm; Copas, John; Riley, Richard D

    2016-01-01

    Multivariate and network meta-analysis have the potential for the estimated mean of one effect to borrow strength from the data on other effects of interest. The extent of this borrowing of strength is usually assessed informally. We present new mathematical definitions of ‘borrowing of strength’. Our main proposal is based on a decomposition of the score statistic, which we show can be interpreted as comparing the precision of estimates from the multivariate and univariate models. Our definition of borrowing of strength therefore emulates the usual informal assessment. We also derive a method for calculating study weights, which we embed into the same framework as our borrowing of strength statistics, so that percentage study weights can accompany the results from multivariate and network meta-analyses as they do in conventional univariate meta-analyses. Our proposals are illustrated using three meta-analyses involving correlated effects for multiple outcomes, multiple risk factor associations and multiple treatments (network meta-analysis). PMID:26546254

  14. Seabed texture and composition changes offshore of Port Royal Sound, South Carolina before and after the dredging for beach nourishment

    NASA Astrophysics Data System (ADS)

    Xu, Kehui; Sanger, Denise; Riekerk, George; Crowe, Stacie; Van Dolah, Robert F.; Wren, P. Ansley; Ma, Yanxia

    2014-08-01

    Beach nourishment has been a strategy widely used to slow down coastal erosion in many beaches around the world. The dredging of sand at the borrow site, however, can have complicated physical, geological and ecological impacts. Our current knowledge is insufficient to make accurate predictions of sediment infilling in many dredging pits due to lack of detailed sediment data. Two sites in the sandy shoal southeast of Port Royal Sound (PRS) of South Carolina, USA, were sampled 8 times from April 2010 to March 2013; one site (defined as 'borrow site') was 2 km offshore and used as the dredging site for beach nourishment of nearby Hilton Head Island in Beaufort County, South Carolina, and the other site (defined as 'reference site') was 10 km offshore and not directly impacted by the dredging. A total of 184 surficial sediment samples were collected randomly at two sites during 8 sampling periods. Most sediments were fine sand, with an average grain size of 2.3 phi and an organic matter content less than 2%. After the dredging in December 2011-January 2012, sediments at the borrow site became finer, changing from 1.0 phi to 2.3 phi, and carbonate content decreased from 10% to 4%; changes in mud content and organic matter were small. Compared with the reference site, the borrow site experienced larger variations in mud and carbonate content. An additional 228 sub-samples were gathered from small cores collected at 5 fixed stations in the borrow site and 1 fixed station at the reference site 0, 3, 6, 9, and 12 months after the dredging; these down-core sub-samples were divided into 1-cm slices and analyzed using a laser diffraction particle size analyzer. Most cores were uniform vertically and consisted of fine sand with well to moderately well sorting and nearly symmetrical averaged skewness. Based on the analysis of grain size populations, 2 phi- and 3 phi-sized sediments were the most dynamic sand fractions in PRS. Mud deposition on shoals offshore of PRS presumably happens when offshore mud transport is prevalent and there is a following rapid sand accumulation to bury the mud. However, in this borrow site there was very little accumulation of mud. This will allow the site to be used in future nourishment projects presuming no accumulation of mud occurs in the future.

  15. [Development of competency to stand trial rating scale in offenders with mental disorders].

    PubMed

    Chen, Xiao-Bing; Cai, Wei-Xiong

    2013-04-01

    According with Chinese legal system, to develop a competency to stand trial rating scale in offenders with mental disorders. Proceeding from the juristical elements, 15 items were extracted and formulated a preliminary instrument named the competency to stand trial rating scale in offenders with mental disorders. The item analysis included six aspects, which were critical ratio, item-total correlation, corrected item-total correlation, alpha value if item deleted, communalities of items, and factor loading. The Logistic regression equation and cut-off score of ROC curve were used to explore the diagnostic efficiency. The data of critical ratio of extreme group were 18.390-46.763; item-total correlation, 0.639-0.952; corrected item-total correlation, 0.582-0.944; communalities of items, 0.377-0.916; and factor loadings, 0.614-0.957. Seven items were included in the regression equation and the accuracy of back substitution test was 96.0%. The score of 33 was ascertained as the cut-off score by ROC fitting curve, the overlapping ratio compared with the expertise was 95.8%. The sensibility and the specificity were 0.938 and 0.966, respectively, while the positive and negative likelihood ratios were 27.67 and 0.06, respectively. With all items satisfied the requirement of homogeneity test, the rating scale has a reasonable construct and excellent diagnostic efficiency.

  16. 34 CFR 685.206 - Borrower responsibilities and defenses.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Borrower responsibilities and defenses. 685.206 Section 685.206 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION WILLIAM D. FORD FEDERAL DIRECT LOAN PROGRAM Borrower Provisions...

  17. 7 CFR 765.101 - Borrower graduation requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... reasonable rates and terms. (b) The Agency may require partial or full graduation. (1) In a partial... 7 Agriculture 7 2010-01-01 2010-01-01 false Borrower graduation requirements. 765.101 Section 765..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-REGULAR Borrower Graduation § 765.101...

  18. 7 CFR 1779.75 - Defaults by borrower.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Defaults by borrower. 1779.75 Section 1779.75 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.75 Defaults by borrower. (a...

  19. 12 CFR 563c.102 - Financial statement presentation.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ..., (ii) commercial paper, and (iii) other short-term borrowings. (b) Federal funds purchased and sales of... financial statements. The amount of these lines of credit which support a commercial paper borrowing... sold under agreements to repurchase, commercial paper, and other short-term borrowings. 8. Interest on...

  20. 12 CFR 563c.102 - Financial statement presentation.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ..., (ii) commercial paper, and (iii) other short-term borrowings. (b) Federal funds purchased and sales of... financial statements. The amount of these lines of credit which support a commercial paper borrowing... sold under agreements to repurchase, commercial paper, and other short-term borrowings. 8. Interest on...

  1. 38 CFR 36.4278 - Servicing procedures for holders.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... counseling delinquent borrowers to advise borrowers how to cure delinquencies, protect their equity and... guidelines for individual analysis of each delinquency; (4) Instructions and appropriate controls for sending... delinquency and the response from the borrower before a decision is made to initiate action to liquidate a...

  2. 24 CFR 1007.10 - Eligible borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Eligible borrowers. 1007.10 Section 1007.10 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued... SECTION 184A LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING § 1007.10 Eligible borrowers. A loan guaranteed...

  3. 7 CFR 1710.114 - TIER, DSC, OTIER and ODSC requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ...) General. Requirements for coverage ratios are set forth in the borrower's mortgage, loan contract, or..., shall reduce the coverage ratio requirements of a borrower that has contractually agreed with RUS to a higher requirement. (b) Coverage ratios. (1) Distribution borrowers. The minimum coverage ratios required...

  4. 7 CFR 1942.129 - Borrower supervision and servicing.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 13 2012-01-01 2012-01-01 false Borrower supervision and servicing. 1942.129 Section 1942.129 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... Facilities Projects § 1942.129 Borrower supervision and servicing. Loans under this subpart are subject to...

  5. 7 CFR 1942.129 - Borrower supervision and servicing.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 13 2014-01-01 2013-01-01 true Borrower supervision and servicing. 1942.129 Section 1942.129 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... Facilities Projects § 1942.129 Borrower supervision and servicing. Loans under this subpart are subject to...

  6. 7 CFR 1942.129 - Borrower supervision and servicing.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 13 2013-01-01 2013-01-01 false Borrower supervision and servicing. 1942.129 Section 1942.129 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... Facilities Projects § 1942.129 Borrower supervision and servicing. Loans under this subpart are subject to...

  7. 7 CFR 1942.129 - Borrower supervision and servicing.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 13 2010-01-01 2009-01-01 true Borrower supervision and servicing. 1942.129 Section 1942.129 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... Facilities Projects § 1942.129 Borrower supervision and servicing. Loans under this subpart are subject to...

  8. 7 CFR 1942.129 - Borrower supervision and servicing.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 13 2011-01-01 2009-01-01 true Borrower supervision and servicing. 1942.129 Section 1942.129 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... Facilities Projects § 1942.129 Borrower supervision and servicing. Loans under this subpart are subject to...

  9. 7 CFR 765.202 - Borrower responsibilities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... or other security instruments; and (2) The cost of lien search reports; (d) Pay taxes on property...) Non-compliance with the provisions of loan agreements and documents, other than failure to meet... FLP loans by the borrower; (2) Borrower non-compliance will be considered by the Agency when making...

  10. 7 CFR 1735.22 - Loan security.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... telephone facilities that do not constitute self-contained operating systems or units (such as lines switched by other systems), the borrower shall, in addition to the mortgage lien on all of the borrower's... the borrower's entire system, including the facilities to be constructed with the proceeds of the loan...

  11. 7 CFR 1735.22 - Loan security.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... telephone facilities that do not constitute self-contained operating systems or units (such as lines switched by other systems), the borrower shall, in addition to the mortgage lien on all of the borrower's... the borrower's entire system, including the facilities to be constructed with the proceeds of the loan...

  12. 7 CFR 1717.300 - Purpose.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... in Rate Making in Connection With Power Supply Borrowers § 1717.300 Purpose. This subpart contains... of rates to be charged by power supply borrowers for the sale of electric power and energy. This... are not exclusive, of the regulation of a power supply borrower's rates by a state regulatory...

  13. 7 CFR 1717.300 - Purpose.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... in Rate Making in Connection With Power Supply Borrowers § 1717.300 Purpose. This subpart contains... of rates to be charged by power supply borrowers for the sale of electric power and energy. This... are not exclusive, of the regulation of a power supply borrower's rates by a state regulatory...

  14. 7 CFR 1710.302 - Financial forecasts-power supply borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 11 2011-01-01 2011-01-01 false Financial forecasts-power supply borrowers. 1710.302... AND GUARANTEES Long-Range Financial Forecasts § 1710.302 Financial forecasts—power supply borrowers. (a) The requirements of this section apply only to financial forecasts submitted by power supply...

  15. Relationships between Interlibrary Loan and Research Activity in Canada

    ERIC Educational Resources Information Center

    Duy, Joanna; Larivière, Vincent

    2014-01-01

    Interlibrary Loan borrowing rates in academic libraries are influenced by an array of factors. This article explores the relationship between interlibrary loan borrowing activity and research activity at 42 Canadian academic institutions. A significant positive correlation was found between interlibrary loan borrowing activity and measures of…

  16. 24 CFR 891.600 - Responsibilities of Borrower.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Handicapped-Section 8 Assistance § 891.600 Responsibilities of Borrower. (a) Marketing. (1) The Borrower must commence and continue diligent marketing activities not later than 90 days before the anticipated date of... the same housing market. (2) Marketing must be done in accordance with the HUD-approved affirmative...

  17. 34 CFR 685.209 - Income-contingent repayment plans.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... between the borrower's AGI and 150 percent of the poverty guideline for the borrower's family size; or (B... spouse's AGI, and 150 percent of the poverty guideline for the borrower's family size; and (vi) Poverty guideline refers to the income categorized by State and family size in the poverty guidelines published...

  18. 34 CFR 685.209 - Income-contingent repayment plans.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... between the borrower's AGI and 150 percent of the poverty guideline for the borrower's family size; or (B... spouse's AGI, and 150 percent of the poverty guideline for the borrower's family size; and (vi) Poverty guideline refers to the income categorized by State and family size in the poverty guidelines published...

  19. 12 CFR 615.5030 - Borrowings from commercial banks.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Borrowings from commercial banks. 615.5030 Section 615.5030 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... commercial banks. Each System bank board, by resolution, shall authorize all commercial bank borrowings by...

  20. 7 CFR 766.104 - Borrower eligibility requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... economic conditions such as low commodity prices; (iv) Damage or destruction of property essential to the farming operation; or (v) Loss of, or reduction in, the borrower or spouse's essential non-farm income. (2) The borrower does not have non-essential assets for which the net recovery value is sufficient to...

  1. Qualified to Lead? A Comparative, Contextual and Cultural View of Educational Policy Borrowing

    ERIC Educational Resources Information Center

    Harris, Alma; Jones, Michelle; Adams, Donnie

    2016-01-01

    Background: Around the globe, education policy borrowing remains pervasive and prevalent. The strategies, interventions and innovations of education systems that perform well, in international assessments, are enthusiastically borrowed and copied in the anticipation of similar educational performance and outcomes. Purpose: This purpose of the…

  2. 41 CFR 109-1.5104 - Borrowing of personal property.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...-INTRODUCTION 1.51-Personal Property Management Standards and Practices § 109-1.5104 Borrowing of personal... 41 Public Contracts and Property Management 3 2012-01-01 2012-01-01 false Borrowing of personal property. 109-1.5104 Section 109-1.5104 Public Contracts and Property Management Federal Property...

  3. 41 CFR 109-1.5104 - Borrowing of personal property.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...-INTRODUCTION 1.51-Personal Property Management Standards and Practices § 109-1.5104 Borrowing of personal... 41 Public Contracts and Property Management 3 2013-07-01 2013-07-01 false Borrowing of personal property. 109-1.5104 Section 109-1.5104 Public Contracts and Property Management Federal Property...

  4. 41 CFR 109-1.5104 - Borrowing of personal property.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ...-INTRODUCTION 1.51-Personal Property Management Standards and Practices § 109-1.5104 Borrowing of personal... 41 Public Contracts and Property Management 3 2011-01-01 2011-01-01 false Borrowing of personal property. 109-1.5104 Section 109-1.5104 Public Contracts and Property Management Federal Property...

  5. 41 CFR 109-1.5104 - Borrowing of personal property.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...-INTRODUCTION 1.51-Personal Property Management Standards and Practices § 109-1.5104 Borrowing of personal... 41 Public Contracts and Property Management 3 2014-01-01 2014-01-01 false Borrowing of personal property. 109-1.5104 Section 109-1.5104 Public Contracts and Property Management Federal Property...

  6. Education Policy Borrowing and Cultural Scripts for Teaching in China

    ERIC Educational Resources Information Center

    Tan, Charlene

    2015-01-01

    China's recent education reforms are a result of selective policy borrowing from "the West". Although comparativists have highlighted the importance of cultural context in policy borrowing in China, what remains relatively under-explored is the epistemological basis for cultural views that mediate policy transfer. This article argues…

  7. 7 CFR 1951.262 - Farm Credit Programs-graduation of borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ...) [Reserved] (e) Graduation candidates. Borrowers who are classified “commercial” or “standard” are graduation candidates. At least every 2 years, all borrowers who have a current classification of commercial or standard must submit a year-end balance sheet, actual financial performance information for the most recent year...

  8. 34 CFR 682.205 - Disclosure requirements for lenders.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... in repayment plans from the lender. (4) Required disclosures for borrowers having difficulty making... borrower who has notified the lender that he or she is having difficulty making payments with— (A) A... this section is not required if the borrower's difficulty has been resolved through contact with the...

  9. 34 CFR 685.304 - Counseling borrowers.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 34 Education 4 2013-07-01 2013-07-01 false Counseling borrowers. 685.304 Section 685.304 Education... Payments for Direct Loan Program Schools § 685.304 Counseling borrowers. (a) Entrance counseling. (1) Except as provided in paragraph (a)(8) of this section, a school must ensure that entrance counseling is...

  10. 34 CFR 685.304 - Counseling borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Counseling borrowers. 685.304 Section 685.304 Education... Direct Loan Program Schools § 685.304 Counseling borrowers. (a) Entrance counseling. (1) Except as provided in paragraph (a)(8) of this section, a school must ensure that entrance counseling is conducted...

  11. 34 CFR 685.304 - Counseling borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 4 2011-07-01 2011-07-01 false Counseling borrowers. 685.304 Section 685.304 Education... Payments for Direct Loan Program Schools § 685.304 Counseling borrowers. (a) Entrance counseling. (1) Except as provided in paragraph (a)(8) of this section, a school must ensure that entrance counseling is...

  12. 34 CFR 685.304 - Counseling borrowers.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 34 Education 4 2012-07-01 2012-07-01 false Counseling borrowers. 685.304 Section 685.304 Education... Payments for Direct Loan Program Schools § 685.304 Counseling borrowers. (a) Entrance counseling. (1) Except as provided in paragraph (a)(8) of this section, a school must ensure that entrance counseling is...

  13. 34 CFR 685.304 - Counseling borrowers.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 34 Education 4 2014-07-01 2014-07-01 false Counseling borrowers. 685.304 Section 685.304 Education... Payments for Direct Loan Program Schools § 685.304 Counseling borrowers. (a) Entrance counseling. (1) Except as provided in paragraph (a)(8) of this section, a school must ensure that entrance counseling is...

  14. 7 CFR 766.54 - Borrower application requirements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... eight months from the date the natural disaster was designated. (2) All borrowers must sign the DSA..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Disaster Set-Aside § 766.54 Borrower... expense records for the production cycle in which the disaster occurred unless the Agency already has this...

  15. 7 CFR 766.54 - Borrower application requirements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... eight months from the date the natural disaster was designated. (2) All borrowers must sign the DSA..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Disaster Set-Aside § 766.54 Borrower... expense records for the production cycle in which the disaster occurred unless the Agency already has this...

  16. 7 CFR 766.54 - Borrower application requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... eight months from the date the natural disaster was designated. (2) All borrowers must sign the DSA..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Disaster Set-Aside § 766.54 Borrower... expense records for the production cycle in which the disaster occurred unless the Agency already has this...

  17. 7 CFR 766.54 - Borrower application requirements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... eight months from the date the natural disaster was designated. (2) All borrowers must sign the DSA..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Disaster Set-Aside § 766.54 Borrower... expense records for the production cycle in which the disaster occurred unless the Agency already has this...

  18. 7 CFR 766.54 - Borrower application requirements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... eight months from the date the natural disaster was designated. (2) All borrowers must sign the DSA..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Disaster Set-Aside § 766.54 Borrower... expense records for the production cycle in which the disaster occurred unless the Agency already has this...

  19. 7 CFR 3575.75 - Defaults by borrower.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Defaults by borrower. 3575.75 Section 3575.75... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.75 Defaults by borrower. (a) Lender... default. The lender will continue to keep the Agency informed on a bimonthly basis until such time as the...

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

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... agreements to repurchase, (ii) commercial paper, and (iii) other short-term borrowings. (b) Federal funds... commercial paper borrowing arrangement or similar arrangements shall be separately identified. 16. Advance... sold under agreements to repurchase, commercial paper, and other short-term borrowings. 8. Interest on...

  1. 77 FR 35659 - Request for Information Regarding Complaints From Private Education Loan Borrowers

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-14

    ... Regarding Complaints From Private Education Loan Borrowers AGENCY: Bureau of Consumer Financial Protection... and Consumer Protection Act of 2010 (Dodd-Frank Act) established a Private Education Loan Ombudsman... borrowers of private education loans. Among other things, the Dodd-Frank Act directs the Ombudsman to...

  2. 34 CFR 674.49 - Bankruptcy of borrower.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 34 Education 3 2011-07-01 2011-07-01 false Bankruptcy of borrower. 674.49 Section 674.49 Education Regulations of the Offices of the Department of Education (Continued) OFFICE OF POSTSECONDARY EDUCATION, DEPARTMENT OF EDUCATION FEDERAL PERKINS LOAN PROGRAM Due Diligence § 674.49 Bankruptcy of borrower. (a...

  3. 7 CFR 1786.99 - Eligibility criteria.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... borrower will not, without the approval in writing of the power supplier and the Administrator, take or... provided in the respective Notes; and (g) If the borrower is a party to a wholesale power contract with a power supplier financed pursuant to the Act, the borrower must provide the Administrator with such...

  4. 7 CFR 1786.99 - Eligibility criteria.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... borrower will not, without the approval in writing of the power supplier and the Administrator, take or... provided in the respective Notes; and (g) If the borrower is a party to a wholesale power contract with a power supplier financed pursuant to the Act, the borrower must provide the Administrator with such...

  5. 3 CFR - Improving Repayment Options for Federal Student Loan Borrowers

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... about $26,300. While a college education remains an excellent investment, this debt can be overly... allow income information to be seamlessly transmitted so that borrowers can complete the application at... Options for Federal Student Loan Borrowers Memorandum for the Secretary of Education [and] the Secretary...

  6. 77 FR 35241 - Improving Repayment Options for Federal Student Loan Borrowers

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-13

    ... about $26,300. While a college education remains an excellent investment, this debt can be overly... allow income information to be seamlessly transmitted so that borrowers can complete the application at... Repayment Options for Federal Student Loan Borrowers Memorandum for the Secretary of Education [and] the...

  7. 7 CFR 1700.54 - Electric Program.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... distribution borrowers or more than $50,000,000 for power supply borrowers. (4) All loans, loan guarantees, and... of liens for power supply borrowers in amounts not exceeding $50,000,000. (3) Execution of all loan... set forth in paragraph (c)(1) of this section. (d) Director, Power Supply Division, has the authority...

  8. 7 CFR 1710.101 - Types of eligible borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... provide: (1) The retail electric service needs of rural areas, or (2) The power supply needs of distribution borrowers under the terms of power supply arrangements satisfactory to RUS. (b) In making loans... the power supply borrower and RUS. (d) For the purpose of determining the eligibility of a...

  9. 7 CFR 1700.54 - Electric Program.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... distribution borrowers or more than $50,000,000 for power supply borrowers. (4) All loans, loan guarantees, and... of liens for power supply borrowers in amounts not exceeding $50,000,000. (3) Execution of all loan... set forth in paragraph (c)(1) of this section. (d) Director, Power Supply Division, has the authority...

  10. 7 CFR 1717.307 - Distribution members' rates.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.307 Distribution... affairs of the power supply borrower and over the rates of its distribution members: Provided, however, that the state regulatory authority shall treat any RUS approved rate for the power supply borrower as...

  11. 7 CFR 1717.303 - Requirements of RUS documents.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.303 Requirements of RUS documents. (a) Pursuant to the terms of the RUS documents each power supply borrower shall... wholesale power contract, the Board of Directors or Board of Trustees of the power supply borrower shall...

  12. 7 CFR 1710.300 - General.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ...; (12) A discussion of the historical experience of the borrower, and in the case of a power supply... ability of the borrower, and in the case of a power supply borrower its member systems, to compete with... regional office will consult with the Power Supply Division in the case of generation projects for...

  13. 7 CFR 1710.101 - Types of eligible borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... provide: (1) The retail electric service needs of rural areas, or (2) The power supply needs of distribution borrowers under the terms of power supply arrangements satisfactory to RUS. (b) In making loans... the power supply borrower and RUS. (d) For the purpose of determining the eligibility of a...

  14. 7 CFR 1717.307 - Distribution members' rates.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.307 Distribution... affairs of the power supply borrower and over the rates of its distribution members: Provided, however, that the state regulatory authority shall treat any RUS approved rate for the power supply borrower as...

  15. 7 CFR 1717.303 - Requirements of RUS documents.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Federal Pre-emption in Rate Making in Connection With Power Supply Borrowers § 1717.303 Requirements of RUS documents. (a) Pursuant to the terms of the RUS documents each power supply borrower shall... wholesale power contract, the Board of Directors or Board of Trustees of the power supply borrower shall...

  16. 7 CFR 1773.4 - Borrower responsibilities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... responsibilities. (a) Selection of a qualified CPA. The borrower's board of directors is responsible for the selection of a qualified CPA that meets the requirements set forth in § 1773.5. When selecting a CPA, the borrower should consider, among other matters: (1) The qualifications of CPAs available to do the work; (2...

  17. 7 CFR 1773.4 - Borrower responsibilities.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... responsibilities. (a) Selection of a qualified CPA. The borrower's board of directors is responsible for the selection of a qualified CPA that meets the requirements set forth in § 1773.5. When selecting a CPA, the borrower should consider, among other matters: (1) The qualifications of CPAs available to do the work; (2...

  18. 7 CFR 1773.33 - Management letter.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... (CONTINUED) POLICY ON AUDITS OF RUS BORROWERS RUS Reporting Requirements § 1773.33 Management letter. The CPA... December 31 year end, the CPA must state whether the information represented by the borrower as having been... audited records. For borrowers with a year end other than December 31, the CPA must state whether the...

  19. 7 CFR 1773.4 - Borrower responsibilities.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... responsibilities. (a) Selection of a qualified CPA. The borrower's board of directors is responsible for the selection of a qualified CPA that meets the requirements set forth in § 1773.5. When selecting a CPA, the borrower should consider, among other matters: (1) The qualifications of CPAs available to do the work; (2...

  20. 7 CFR 1773.4 - Borrower responsibilities.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... responsibilities. (a) Selection of a qualified CPA. The borrower's board of directors is responsible for the selection of a qualified CPA that meets the requirements set forth in § 1773.5. When selecting a CPA, the borrower should consider, among other matters: (1) The qualifications of CPAs available to do the work; (2...

  1. 7 CFR 1773.4 - Borrower responsibilities.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... responsibilities. (a) Selection of a qualified CPA. The borrower's board of directors is responsible for the selection of a qualified CPA that meets the requirements set forth in § 1773.5. When selecting a CPA, the borrower should consider, among other matters: (1) The qualifications of CPAs available to do the work; (2...

  2. 7 CFR 1781.21 - Borrower accounting methods, management, reporting, and audits.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Borrower accounting methods, management, reporting... DEVELOPMENT (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.21 Borrower accounting methods, management, reporting, and audits. These activities will be handled in accordance with the provisions of...

  3. 49 CFR 22.45 - Allowable fees to borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Allowable fees to borrowers. 22.45 Section 22.45 Transportation Office of the Secretary of Transportation SHORT-TERM LENDING PROGRAM (STLP) Loan Application Process § 22.45 Allowable fees to borrowers. (a) Application Fees. The Participating Lender may charge the...

  4. 7 CFR 1726.300 - Standard forms of contracts for borrowers.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... SERVICE, DEPARTMENT OF AGRICULTURE ELECTRIC SYSTEM CONSTRUCTION POLICIES AND PROCEDURES RUS Standard Forms § 1726.300 Standard forms of contracts for borrowers. (a) General. The standard loan agreement between... 7 Agriculture 11 2010-01-01 2010-01-01 false Standard forms of contracts for borrowers. 1726.300...

  5. 12 CFR 615.5030 - Borrowings from commercial banks.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank borrowings... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from commercial banks. 615.5030 Section 615.5030 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL...

  6. 7 CFR 3560.405 - Borrower organizational structure or ownership interest changes.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Servicing § 3560.405 Borrower organizational structure or ownership interest changes. (a) General. The requirements of this section apply to changes in a borrower entity's organizational structure or to a change in... organizational change. The request must document that the proposed changes will not adversely affect the program...

  7. 7 CFR 1710.255 - Energy efficiency work plans-energy efficiency borrowers.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 11 2014-01-01 2014-01-01 false Energy efficiency work plans-energy efficiency... TO ELECTRIC LOANS AND GUARANTEES Construction Work Plans and Related Studies § 1710.255 Energy efficiency work plans—energy efficiency borrowers. (a) All energy efficiency borrowers must maintain a...

  8. Sobre prestamos y clasificaciones linguisticas (Regarding Borrowing and Linguistic Classification).

    ERIC Educational Resources Information Center

    Key, Mary Ritchie

    1988-01-01

    This article explores the traditionally accepted etymologies of several lexical borrowings in the indigenous languages of the Americas within the framework of comparative linguistics and linguistic classification. The first section presents a general discussion of the problem of tracing lexical borrowings in this context. The section features a…

  9. 34 CFR 674.42 - Contact with the borrower.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... half-time study at the institution or during the exit interview. If the borrower enters the repayment... exit counseling is conducted shortly before the borrower ceases at least half-time study at the institution. As an alternative, in the case of a student enrolled in a correspondence program or a study...

  10. 34 CFR 674.42 - Contact with the borrower.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... half-time study at the institution or during the exit interview. If the borrower enters the repayment... exit counseling is conducted shortly before the borrower ceases at least half-time study at the institution. As an alternative, in the case of a student enrolled in a correspondence program or a study...

  11. 34 CFR 674.42 - Contact with the borrower.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... half-time study at the institution or during the exit interview. If the borrower enters the repayment... exit counseling is conducted shortly before the borrower ceases at least half-time study at the institution. As an alternative, in the case of a student enrolled in a correspondence program or a study...

  12. 34 CFR 674.42 - Contact with the borrower.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... half-time study at the institution or during the exit interview. If the borrower enters the repayment... exit counseling is conducted shortly before the borrower ceases at least half-time study at the institution. As an alternative, in the case of a student enrolled in a correspondence program or a study...

  13. 34 CFR 674.42 - Contact with the borrower.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... half-time study at the institution or during the exit interview. If the borrower enters the repayment... exit counseling is conducted shortly before the borrower ceases at least half-time study at the institution. As an alternative, in the case of a student enrolled in a correspondence program or a study...

  14. 38 CFR 36.4350 - Servicing procedures for holders.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... face-to-face interview with the borrower(s) or a reasonable effort to arrange such a meeting is... can also answer any questions you have regarding your entitlement. If you have access to the Internet... parts 180 and 801. (h) Conducting interviews with delinquent borrowers. When personal contact with the...

  15. 12 CFR 617.7005 - When may electronic communications be used in the borrower rights process?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... borrower rights process? Qualified lenders may use, with the parties' agreement, electronic commerce (E-commerce), including electronic communications for borrower rights disclosures. Part 609 of this chapter addresses when a qualified lender may use E-commerce. Consistent with these rules, a qualified lender should...

  16. 12 CFR 617.7005 - When may electronic communications be used in the borrower rights process?

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... borrower rights process? Qualified lenders may use, with the parties' agreement, electronic commerce (E-commerce), including electronic communications for borrower rights disclosures. Part 609 of this chapter addresses when a qualified lender may use E-commerce. Consistent with these rules, a qualified lender should...

  17. 12 CFR 617.7005 - When may electronic communications be used in the borrower rights process?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... borrower rights process? Qualified lenders may use, with the parties' agreement, electronic commerce (E-commerce), including electronic communications for borrower rights disclosures. Part 609 of this chapter addresses when a qualified lender may use E-commerce. Consistent with these rules, a qualified lender should...

  18. 12 CFR 617.7005 - When may electronic communications be used in the borrower rights process?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... borrower rights process? Qualified lenders may use, with the parties' agreement, electronic commerce (E-commerce), including electronic communications for borrower rights disclosures. Part 609 of this chapter addresses when a qualified lender may use E-commerce. Consistent with these rules, a qualified lender should...

  19. 12 CFR 617.7005 - When may electronic communications be used in the borrower rights process?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... borrower rights process? Qualified lenders may use, with the parties' agreement, electronic commerce (E-commerce), including electronic communications for borrower rights disclosures. Part 609 of this chapter addresses when a qualified lender may use E-commerce. Consistent with these rules, a qualified lender should...

  20. 13 CFR 500.200 - Eligible Borrower.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 13 Business Credit and Assistance 1 2013-01-01 2013-01-01 false Eligible Borrower. 500.200 Section 500.200 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.200 Eligible Borrower. (a) An eligible...

  1. 13 CFR 500.200 - Eligible Borrower.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 13 Business Credit and Assistance 1 2014-01-01 2014-01-01 false Eligible Borrower. 500.200 Section 500.200 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.200 Eligible Borrower. (a) An eligible...

  2. 13 CFR 500.200 - Eligible Borrower.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 13 Business Credit and Assistance 1 2012-01-01 2012-01-01 false Eligible Borrower. 500.200 Section 500.200 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.200 Eligible Borrower. (a) An eligible...

  3. 13 CFR 500.200 - Eligible Borrower.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Eligible Borrower. 500.200 Section 500.200 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.200 Eligible Borrower. (a) An eligible...

  4. 7 CFR 1806.6 - Failure of borrower to provide insurance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Section 1806.6 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... insurance. When a borrower fails to provide and maintain property insurance which meets the requirements set forth in § 1806.2 of this subpart, every effort will be made to have the borrower provide coverage...

  5. 7 CFR 1806.6 - Failure of borrower to provide insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Section 1806.6 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... insurance. When a borrower fails to provide and maintain property insurance which meets the requirements set forth in § 1806.2 of this subpart, every effort will be made to have the borrower provide coverage...

  6. 7 CFR 1806.6 - Failure of borrower to provide insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Section 1806.6 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... insurance. When a borrower fails to provide and maintain property insurance which meets the requirements set forth in § 1806.2 of this subpart, every effort will be made to have the borrower provide coverage...

  7. 7 CFR 1806.6 - Failure of borrower to provide insurance.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Section 1806.6 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... insurance. When a borrower fails to provide and maintain property insurance which meets the requirements set forth in § 1806.2 of this subpart, every effort will be made to have the borrower provide coverage...

  8. 7 CFR 1806.6 - Failure of borrower to provide insurance.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Section 1806.6 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE... insurance. When a borrower fails to provide and maintain property insurance which meets the requirements set forth in § 1806.2 of this subpart, every effort will be made to have the borrower provide coverage...

  9. Borrowed Capital as Risk Factor for Large Construction Companies in Russia

    NASA Astrophysics Data System (ADS)

    Guzikova, L.; Plotnikova, E.; Zubareva, M.

    2017-11-01

    The paper investigates the features of the formation of the capital structure of large construction companies from the standpoint of the financial risks and opportunities for companies’ development. The authors compare the opportunities and risks linked with the use of the own and borrowed capital, analyze the capital structure of large Russian construction companies, identify factors affecting the capital structure and determining the ratio of own and borrowed sources of financing. In the paper the hypothesis is considered that companies use larger volumes of borrowed capital by means of their assets increase.

  10. On Hardness of Pricing Items for Single-Minded Bidders

    NASA Astrophysics Data System (ADS)

    Khandekar, Rohit; Kimbrel, Tracy; Makarychev, Konstantin; Sviridenko, Maxim

    We consider the following item pricing problem which has received much attention recently. A seller has an infinite numbers of copies of n items. There are m buyers, each with a budget and an intention to buy a fixed subset of items. Given prices on the items, each buyer buys his subset of items, at the given prices, provided the total price of the subset is at most his budget. The objective of the seller is to determine the prices such that her total profit is maximized.

  11. 45 CFR 265.7 - How will we determine if the State is meeting the quarterly reporting requirements?

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... computational errors and are internally consistent (e.g., items that should add to totals do so); (3) The State... from computational errors and are internally consistent (e.g., items that should add to totals do so... from computational errors and are internally consistent (e.g., items that should add to totals do so...

  12. Testing the tools of development: credit programmes, loan involvement, and women's empowerment.

    PubMed

    Ackerly, B A

    1995-07-01

    This study finds that income generation programs should not focus on women's labor as a means of empowerment. Empowerment should be directed to women's direct involvement in selling and accounting in the loan activity and in the techniques of lending agencies that promote empowerment. Borrowers are empowered through market activities and nonmarket strategies such as changing the institutional environment. Local women can be hired as group promoters. When payments are made to a collection post, local women promoters can be protected and travel to remote areas without fear for security. It is argued that goals are reached successfully, when tasks are clearly defined. Empowerment in this study means knowledge of accounting for the borrower's loan activity. It is argued that organizations that choose to make women's empowerment a goal can use this factor to measure program impact. Data for this study are obtained from the Bangladesh Rural Advancement Committee (BRAC), Grameen Bank (GB), and Save the Children, Bangladesh Field Office (SCF). The general model indicates that the borrower will be empowered in the process of taking out a loan and investing it in an activity. The likelihood that the credit process will lead to empowerment, given the multiple lending options, is tested in a probit model. Explanatory variables include location, borrower's direct contribution of labor to all or part of the activity, a borrower's direct involvement in buying supplies or selling or accounting for the loan, the lending organization (BRAC, GB, or SCF), loan amount, number of years of borrowing, and borrower position as a center or group chair. The results are based on the 826 loans of the 613 female borrowers. Significant features that contributed to borrower's knowledge included, in the order of significance, participation in accounting, selling, and labor. The key factor appeared to be market access. The impact of organization and involvement was maximized among individuals who had a 40-50% probability of being empowered. For example, a borrower, who had an initial propensity of being empowered of 20%, would have a 96.2% probability of being empowered as a result of accounting involvement.

  13. 75 FR 58285 - Short-Term, Small Amount Loans

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-24

    ... believed that a longer term was necessary to enable borrowers to pay back a loan in small, more manageable... drive borrowers back to payday lenders. After considering these comments the Board has determined to... for a higher number of loans, the Board disagrees that a limited number of loans will push borrowers...

  14. 13 CFR 120.412 - Other services Lenders may provide Borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 13 Business Credit and Assistance 1 2011-01-01 2011-01-01 false Other services Lenders may provide Borrowers. 120.412 Section 120.412 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS... goods with a Borrower only after full disbursement of the loan to the small business or to an account...

  15. 7 CFR 1806.28 - Borrowers required to escrow.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... insufficient funds to pay the flood insurance premium when due, the County Supervisor will request the borrower to pay an amount equal to the difference between the premium due and the escrow balance in a lump sum within 30 days after notification. If the borrower fails to remit the amount requested, the amount will...

  16. Education Policy Borrowing in China: Has the West Wind Overpowered the East Wind?

    ERIC Educational Resources Information Center

    Tan, Charlene; Chua, Catherine S. K.

    2015-01-01

    Recent education reform in China reflects the global trend of education policy borrowing from Anglophone countries such as the USA. The reform in China essentially advocates shifting from knowledge reproduction and didacticism to knowledge construction by students through a learner-centredness approach. Aware of the trend of borrowing policy from…

  17. Delinquency: The Untold Story of Student Loan Borrowing

    ERIC Educational Resources Information Center

    Cunningham, Alisa F.; Kienzl, Gregory S.

    2011-01-01

    Student financial aid--including grants and loans--plays a key role in supporting students' access to and success in college. Yet, despite periodic increases in grant funding, students and their families have increasingly relied on borrowing to cover more of the costs of higher education. As the number of student borrowers has increased and their…

  18. 7 CFR 1717.154 - Transitional assistance in connection with new loans.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... loans, RUS will consider the loan authority for the fiscal year, the borrower's projected cash flows... and supplemental loans and the impacts of this difference on the borrower's projected cash flows and... other costs of entering into the merger places on the borrower's rates and cash flows, and the...

  19. 7 CFR 1717.154 - Transitional assistance in connection with new loans.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... loans, RUS will consider the loan authority for the fiscal year, the borrower's projected cash flows... and supplemental loans and the impacts of this difference on the borrower's projected cash flows and... other costs of entering into the merger places on the borrower's rates and cash flows, and the...

  20. 7 CFR 1717.154 - Transitional assistance in connection with new loans.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... loans, RUS will consider the loan authority for the fiscal year, the borrower's projected cash flows... and supplemental loans and the impacts of this difference on the borrower's projected cash flows and... other costs of entering into the merger places on the borrower's rates and cash flows, and the...

  1. 24 CFR 1005.105 - What are eligible loans?

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... § 203.12(b)(2) of this title for FHA mortgage insurance. (f) Lack of access to private financial markets... borrower must certify that the borrower lacks access to private financial markets. Borrower certification... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false What are eligible loans? 1005.105...

  2. 7 CFR 1717.609 - RUS approval of general manager.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false RUS approval of general manager. 1717.609 Section... Operational Controls § 1717.609 RUS approval of general manager. (a) If a borrower's mortgage or loan contract... general manager of the borrower's system, such approval is hereby granted provided that the borrower is in...

  3. The New England Student Loan Survey II. Final Report.

    ERIC Educational Resources Information Center

    Pedalino, Marilyn; And Others.

    The New England Student Loan Survey (NESLS) II investigated the impact of student loans on borrowers, their consumption patterns, and their attitudes towards repayment. The 1,442 subjects, recent borrowers now repaying their student loans, included 283 high debt-low income borrowers and 207 prior defaulters now in repayment. Findings included the…

  4. The Social Correlates of Lexical Borrowing in Spanish in New York City

    ERIC Educational Resources Information Center

    Varra, Rachel Marie

    2013-01-01

    This dissertation investigates lexical borrowing in Spanish in New York. English-origin lexical material was extracted from a stratified sample of 146 Spanish-speaking informants of different ages, national origins, classes, etc., living in New York City. ANOVAs and Pearson correlations determined whether lexical borrowing frequency and the type…

  5. Lexical Borrowings in the ESL Classrooms in Malaysia

    ERIC Educational Resources Information Center

    Thirusanku, Jantmary; Yunus, Melor Md

    2013-01-01

    This paper attempts to show the use of lexical borrowings in ten teaching materials used by the English as Second Language (ESL) teachers in the ESL classrooms in the National Secondary Schools in the Klang district in Selangor, Malaysia. It also discusses the general and pedagogical implications involved in using lexical borrowings. This paper…

  6. 7 CFR 1786.163 - Existing wholesale power contracts.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... contracts. (a) If the borrower is a party to a wholesale power contract with a power supply borrower financed pursuant to the RE Act, the Administrator may require that the borrower and the power supply... follows: Sample Contract Terms So long as any of the notes evidencing secured loans of the power supply...

  7. 7 CFR 1710.303 - Power cost studies-power supply borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 11 2011-01-01 2011-01-01 false Power cost studies-power supply borrowers. 1710.303... AND GUARANTEES Long-Range Financial Forecasts § 1710.303 Power cost studies—power supply borrowers. (a... facilities shall be supported by a power cost study to demonstrate that the proposed generation and...

  8. 7 CFR 1786.163 - Existing wholesale power contracts.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... contracts. (a) If the borrower is a party to a wholesale power contract with a power supply borrower financed pursuant to the RE Act, the Administrator may require that the borrower and the power supply... follows: Sample Contract Terms So long as any of the notes evidencing secured loans of the power supply...

  9. 7 CFR 1717.857 - Refinancing of existing secured debt-distribution and power supply borrowers.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 7 Agriculture 11 2011-01-01 2011-01-01 false Refinancing of existing secured debt-distribution and power supply borrowers. 1717.857 Section 1717.857 Agriculture Regulations of the Department of... Private Financing § 1717.857 Refinancing of existing secured debt—distribution and power supply borrowers...

  10. Disparities in American Graduate Students' Tendency to Borrow: "Race, Family Background, and Major"

    ERIC Educational Resources Information Center

    Niu, Lian

    2016-01-01

    This study uses National Postsecondary Student Aid Study of 2012 data to examine disparities in graduate students' borrowing tendency. Results show Black and Hispanic students, students in education, humanities, and social sciences, and students of parents with lower education level are more likely to borrow for graduate education, even after…

  11. 24 CFR 201.23 - Borrower's initial payment.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... gift or a loan from some other source, the borrower must disclose the source of such gift or loan on... lender in the loan file. (b) Manufactured home purchase loans. In the case of a manufactured home purchase loan, the borrower shall make a minimum cash downpayment of at least five percent of the purchase...

  12. 7 CFR 1942.128 - Borrower accounting methods, management reports and audits.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 13 2010-01-01 2009-01-01 true Borrower accounting methods, management reports and... Rescue and Other Small Community Facilities Projects § 1942.128 Borrower accounting methods, management... under Public Law 103-354 1942-53, “Cash Flow Report,” instead of page one of schedule one and schedule...

  13. How Culture Matters in Educational Borrowing? Chinese Teachers' Dilemmas in a Global Era

    ERIC Educational Resources Information Center

    Liu, Sheng-nan; Feng, Da-ming

    2015-01-01

    Educational borrowing may cause numerous dilemmas that emerge from cross-cultural differences among teachers in the globalization. Through the case study on the flipped classroom introduced from the United States into Chinese middle schools, this article presents an examination of dilemmas that teachers encountered during educational borrowing in…

  14. Lexical Borrowing from Chinese Languages in Malaysian English

    ERIC Educational Resources Information Center

    Imm, Tan Siew

    2009-01-01

    This paper explores how contact between English and Chinese has resulted in the incorporation of Chinese borrowings into the lexicon of Malaysian English (ME). Using a corpus-based approach, this study analyses a comprehensive range of borrowed features extracted from the Malaysian English Newspaper Corpus (MEN Corpus). Based on the contexts of…

  15. 7 CFR 1980.390 - Interest assistance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... fee is payable when: (i) A new agreement is made with the borrower except at the time of loan closing. (ii) The borrower had an agreement for the previous year and a new agreement is made for the current year. (iii) The borrower is eligible for but not presently on interest assistance and enters into a new...

  16. 7 CFR 1944.425 - Handling and accounting for borrower loan funds.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 13 2010-01-01 2009-01-01 true Handling and accounting for borrower loan funds. 1944... Grants § 1944.425 Handling and accounting for borrower loan funds. Grantees will be required to...HA or its successor agency under Public Law 103-354's non-discrimination policies in receiving...

  17. 12 CFR 615.5040 - Borrowings from financial institutions other than commercial banks.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from financial institutions other than commercial banks. 615.5040 Section 615.5040 Banks and Banking FARM CREDIT ADMINISTRATION FARM... § 615.5040 Borrowings from financial institutions other than commercial banks. The Farm Credit banks may...

  18. 7 CFR 1980.390 - Interest assistance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... fee is payable when: (i) A new agreement is made with the borrower except at the time of loan closing. (ii) The borrower had an agreement for the previous year and a new agreement is made for the current year. (iii) The borrower is eligible for but not presently on interest assistance and enters into a new...

  19. Decomposition of the Inequality of Income Distribution by Income Types—Application for Romania

    NASA Astrophysics Data System (ADS)

    Andrei, Tudorel; Oancea, Bogdan; Richmond, Peter; Dhesi, Gurjeet; Herteliu, Claudiu

    2017-09-01

    This paper identifies the salient factors that characterize the inequality income distribution for Romania. Data analysis is rigorously carried out using sophisticated techniques borrowed from classical statistics (Theil). Decomposition of the inequalities measured by the Theil index is also performed. This study relies on an exhaustive (11.1 million records for 2014) data-set for total personal gross income of Romanian citizens.

  20. Factors influencing students' borrowing that may affect their specialty choices and other after-graduation behaviors.

    PubMed

    Cooter, R; Bross, T M; Erdmann, J B

    1998-01-01

    To assess the factors that influence medical students' borrowing and how these factors may affect access to the profession, specialty choice, and medical graduates' repayment behaviors. The borrowing patterns of the 3,495 indebted students enrolled at Jefferson Medical College of Thomas Jefferson University between 1989-90 and 1994-95 were analyzed. (Debt included both subsidized and unsubsidized debt.) These borrowing patterns were assessed in relation to changes in the cost of education, family (i.e., parents') income, availability of grant funding, legislative changes to loan-eligibility criteria (specifically, the Higher Education Amendments of 1992), and average interest rates on federal unsubsidized loans. The annual changes in average debt levels suggest that while cost of education, family resources, and availability of grant funding may be significant factors, changes in loan eligibility and prevailing interest rates on unsubsidized loan source also influence medical students' borrowing. A comparison of the borrowing patterns for three income groups (low, middle, high) further demonstrated that while overall fluctuations for low-income group mirrored changes in the cost and resource variables, annual borrowing fluctuations for the middle- and high-income groups were more reflective of the expansion of loan eligibility and reduced interest rates on unsubsidized loans. From 1989-90 to 1994-95 the average cost of education increased by $2,368. Average unsubsidized debt increased by $1,544 for the low-income group, $3,960 for the middle-income group, and $4,439 for the high-income group. The percentage of unsubsidized funding included in the borrowers' financing packages increased by just under 6% for the low-income group but almost 10% and 11% for the middle- and high-income groups, respectively. The results suggest that medical students borrow for a variety of reasons, ranging from financial need to personal financing or lifestyle choices. These reasons should be considered in relation to institutional and governmental financial aid policies and future research on the relationship between debt and speciality choice.

  1. Validation of 5-item and 2-item questionnaires in Chinese version of Dizziness Handicap Inventory for screening objective benign paroxysmal positional vertigo.

    PubMed

    Chen, Wei; Shu, Liang; Wang, Qian; Pan, Hui; Wu, Jing; Fang, Jie; Sun, Xu-Hong; Zhai, Yu; Dong, You-Rong; Liu, Jian-Ren

    2016-08-01

    As possible candidate screening instruments for benign paroxysmal positional vertigo (BPPV), studies to validate the Dizziness Handicap Inventory (DHI) sub-scale (5-item and 2-item) and total scores are rare in China. From May 2014 to December 2014, 108(55 with and 53 without BPPV) patients complaining of episodic vertigo in the past week from a vertigo outpatient clinic were enrolled for DHI evaluation, as well as demographic and other clinical data. Objective BPPV was subsequently determined by positional evoking maneuvers under the record of optical Frenzel glasses. Cronbach's coefficient α was used to evaluate the reliability of psychometric scales. The validity of DHI total, 5-item and 2-item questionnaires to screen for BPPV was assessed by receiver operating characteristic (ROC) curves. It revealed that the DHI 5-item questionnaire had good internal consistency (Cronbach's coefficient α = 0.72). Area under the curve of total DHI, 5-item and 2-item scores for discriminating BPPV from those without was 0.678 (95 % CI 0.578-0.778), 0.873(95 % CI 0.807-0.940) and 0.895(95 % CI 0.836-0.953), respectively. It revealed 74.5 % sensitivity and 88.7 % specificity in separating BPPV and those without, with a cutoff value of 12 in the 5-item questionnaire. The corresponding rate of sensitivity and specificity was 78.2 and 88.7 %, respectively, with a cutoff value of 6 in 2-item questionnaire. The present study indicated that both 5-item and 2-item questionnaires in the Chinese version of DHI may be more valid than DHI total score for screening objective BPPV and merit further application in clinical practice in China.

  2. Longitudinal development of subtraction performance in elementary school.

    PubMed

    Artemenko, Christina; Pixner, Silvia; Moeller, Korbinian; Nuerk, Hans-Christoph

    2017-10-05

    A major goal of education in elementary mathematics is the mastery of arithmetic operations. However, research on subtraction is rather scarce, probably because subtraction is often implicitly assumed to be cognitively similar to addition, its mathematical inverse. To evaluate this assumption, we examined the relation between the borrow effect in subtraction and the carry effect in addition, and the developmental trajectory of the borrow effect in children using a choice reaction paradigm in a longitudinal study. In contrast to the carry effect in adults, carry and borrow effects in children were found to be categorical rather than continuous. From grades 3 to 4, children became more proficient in two-digit subtraction in general, but not in performing the borrow operation in particular. Thus, we observed no specific developmental progress in place-value computation, but a general improvement in subtraction procedures. Statement of contribution What is already known on this subject? The borrow operation increases difficulty in two-digit subtraction in adults. The carry effect in addition, as the inverse operation of borrowing, comprises categorical and continuous processing characteristics. What does this study add? In contrast to the carry effect in adults, the borrow and carry effects are categorical in elementary school children. Children generally improve in subtraction performance from grades 3 to 4 but do not progress in place-value computation in particular. © 2017 The British Psychological Society.

  3. An Empirical Analysis of Borrowing Behaviour of Higher Education Students in the Netherlands

    ERIC Educational Resources Information Center

    Oosterbeek, Hessel; van den Broek, Anja

    2009-01-01

    Many higher education students combine their study with a job on the side instead of taking up a loan. This paper examines the factors underlying this apparently myopic behaviour. We find that standard economic factors explain observed borrowing decisions to some extent. Students with easier access to financial resources borrow less often.…

  4. 24 CFR 201.42 - Bankruptcy, insolvency or death of borrower.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Bankruptcy, insolvency or death of..., insolvency or death of borrower. (a) Bankruptcy or insolvency. The lender shall file a proof of claim with... required) shall be retained in the loan file. (b) Death of a borrower. The lender shall file a proof of...

  5. 42 CFR 60.12 - Deferment.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ...” in the Guaranteed Student Loan Program; (2) Up to 4 years during which the borrower is a participant... United States; (4) Up to 3 years during which the borrower is in service as a volunteer under the Peace...; or (6) Up to 3 years during which the borrower is a full-time volunteer under title I of the Domestic...

  6. 42 CFR 60.12 - Deferment.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ...” in the Guaranteed Student Loan Program; (2) Up to 4 years during which the borrower is a participant... United States; (4) Up to 3 years during which the borrower is in service as a volunteer under the Peace...; or (6) Up to 3 years during which the borrower is a full-time volunteer under title I of the Domestic...

  7. 42 CFR 60.12 - Deferment.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ...” in the Guaranteed Student Loan Program; (2) Up to 4 years during which the borrower is a participant... United States; (4) Up to 3 years during which the borrower is in service as a volunteer under the Peace...; or (6) Up to 3 years during which the borrower is a full-time volunteer under title I of the Domestic...

  8. 42 CFR 60.12 - Deferment.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ...” in the Guaranteed Student Loan Program; (2) Up to 4 years during which the borrower is a participant... United States; (4) Up to 3 years during which the borrower is in service as a volunteer under the Peace...; or (6) Up to 3 years during which the borrower is a full-time volunteer under title I of the Domestic...

  9. 76 FR 61764 - Principal Funds, Inc., et al.;

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-10-05

    ... Account (as defined below), other Funds may need to borrow money from the same or similar banks for... access to a joint line of credit (the ``Credit Agreement''). 3. When a Fund borrows money from a bank or... other on behalf of the Funds that would permit each Fund to lend money directly to and borrow money...

  10. International Education Policy Transfer--Borrowing Both Ways: The Hong Kong and England Experience

    ERIC Educational Resources Information Center

    Forestier, Katherine; Crossley, Michael

    2015-01-01

    This paper analyses how the impact of international student achievement studies and the recent economic crisis in Europe are influencing the development of educational policy transfer and borrowing, from East to West. This is contrasted with education reform movements in East Asia, which have long legacies of borrowing from so-called…

  11. 13 CFR 120.971 - Allowable fees paid by Borrower.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Development Company Loan Program (504) Fees § 120.971 Allowable fees paid by Borrower. (a) CDC fees. The fees a CDC may charge the Borrower in connection with a 504 loan and Debenture are limited to the following: (1) Processing fee. The CDC may charge up to 1.5 percent of the net Debenture proceeds to process...

  12. 13 CFR 120.971 - Allowable fees paid by Borrower.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Development Company Loan Program (504) Fees § 120.971 Allowable fees paid by Borrower. (a) CDC fees. The fees a CDC may charge the Borrower in connection with a 504 loan and Debenture are limited to the following: (1) Processing fee. The CDC may charge up to 1.5 percent of the net Debenture proceeds to process...

  13. 13 CFR 120.971 - Allowable fees paid by Borrower.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Development Company Loan Program (504) Fees § 120.971 Allowable fees paid by Borrower. (a) CDC fees. The fees a CDC may charge the Borrower in connection with a 504 loan and Debenture are limited to the following: (1) Processing fee. The CDC may charge up to 1.5 percent of the net Debenture proceeds to process...

  14. 13 CFR 120.971 - Allowable fees paid by Borrower.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Development Company Loan Program (504) Fees § 120.971 Allowable fees paid by Borrower. (a) CDC fees. The fees a CDC may charge the Borrower in connection with a 504 loan and Debenture are limited to the following: (1) Processing fee. The CDC may charge up to 1.5 percent of the net Debenture proceeds to process...

  15. 13 CFR 120.971 - Allowable fees paid by Borrower.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Development Company Loan Program (504) Fees § 120.971 Allowable fees paid by Borrower. (a) CDC fees. The fees a CDC may charge the Borrower in connection with a 504 loan and Debenture are limited to the following: (1) Processing fee. The CDC may charge up to 1.5 percent of the net Debenture proceeds to process...

  16. 7 CFR 766.113 - Buyout of loan at current market value.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Buyout of loan at current market value. 766.113... Buyout of loan at current market value. (a) Borrower eligibility. A delinquent borrower may buy out the borrower's FLP loans at the current market value of the loan security, including security not in the...

  17. 13 CFR 120.712 - How does an Intermediary get a grant to assist Microloan borrowers?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... contribution. It may only use grant funds to provide Microloan borrowers with marketing, management, and... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false How does an Intermediary get a grant to assist Microloan borrowers? 120.712 Section 120.712 Business Credit and Assistance SMALL...

  18. 25 CFR 103.26 - What must the borrower supply the lender in its loan application?

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... balance sheets and operating statements for the preceding 3 years, or so much of that period that the... projections for the borrower's business, consisting of pro-forma balance sheets, operating statements, and... life, and other kinds of insurance the borrower will maintain on its business assets and operations; (k...

  19. Federal Student Loans: Better Oversight Could Improve Defaulted Loan Rehabilitation. Report to Congressional Requesters. GAO-14-256

    ERIC Educational Resources Information Center

    Emrey-Arras, Melissa

    2014-01-01

    The Department of Education (Education) relies on collection agencies to assist borrowers in rehabilitating defaulted student loans, which allows borrowers who make nine on-time monthly payments within 10 months to have the default removed from their credit reports. Education works with 22 collection agencies to locate borrowers and explain…

  20. 24 CFR 201.42 - Bankruptcy, insolvency or death of borrower.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Bankruptcy, insolvency or death of..., insolvency or death of borrower. (a) Bankruptcy or insolvency. The lender shall file a proof of claim with... required) shall be retained in the loan file. (b) Death of a borrower. The lender shall file a proof of...

  1. 24 CFR 201.42 - Bankruptcy, insolvency or death of borrower.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Bankruptcy, insolvency or death of..., insolvency or death of borrower. (a) Bankruptcy or insolvency. The lender shall file a proof of claim with... required) shall be retained in the loan file. (b) Death of a borrower. The lender shall file a proof of...

  2. 24 CFR 201.42 - Bankruptcy, insolvency or death of borrower.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Bankruptcy, insolvency or death of..., insolvency or death of borrower. (a) Bankruptcy or insolvency. The lender shall file a proof of claim with... required) shall be retained in the loan file. (b) Death of a borrower. The lender shall file a proof of...

  3. 42 CFR 60.5 - Who is an eligible student borrower?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... EDUCATION ASSISTANCE LOAN PROGRAM The Borrower § 60.5 Who is an eligible student borrower? To receive a HEAL... accepted for enrollment at a HEAL school in a course of study that leads to one of the following degrees... Medicine or equivalent degree Bachelor or Master of Science in Pharmacy or equivalent degree Graduate or...

  4. 42 CFR 60.5 - Who is an eligible student borrower?

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... EDUCATION ASSISTANCE LOAN PROGRAM The Borrower § 60.5 Who is an eligible student borrower? To receive a HEAL... accepted for enrollment at a HEAL school in a course of study that leads to one of the following degrees... Medicine or equivalent degree Bachelor or Master of Science in Pharmacy or equivalent degree Graduate or...

  5. Factors That Affect Willingness to Borrow Student Loans among Community College Students

    ERIC Educational Resources Information Center

    Menges, Kathleen K.; Leonhard, Christoph

    2016-01-01

    Research suggests that student loan borrowing has increased at the community college level. This trend is worrisome to many, as research is inconclusive regarding whether loans are positively correlated with achieving a college degree. Many also contend that choosing not to borrow a student loan due to loan aversion can negatively impact a…

  6. Assessing Psycho-social Barriers to Rehabilitation in Injured Workers with Chronic Musculoskeletal Pain: Development and Item Properties of the Yellow Flag Questionnaire (YFQ).

    PubMed

    Salathé, Cornelia Rolli; Trippolini, Maurizio Alen; Terribilini, Livio Claudio; Oliveri, Michael; Elfering, Achim

    2018-06-01

    Purpose To develop a multidimensional scale to asses psychosocial beliefs-the Yellow Flag Questionnaire (YFQ)-aimed at guiding interventions for workers with chronic musculoskeletal (MSK) pain. Methods Phase 1 consisted of item selection based on literature search, item development and expert consensus rounds. In phase 2, items were reduced with calculating a quality-score per item, using structure equation modeling and confirmatory factor analysis on data from 666 workers. In phase 3, Cronbach's α, and Pearson correlations coefficients were computed to compare YFQ with disability, anxiety, depression and self-efficacy and the YFQ score based on data from 253 injured workers. Regressions of YFQ total score on disability, anxiety, depression and self-efficacy were calculated. Results After phase 1, the YFQ included 116 items and 15 domains. Further reductions of items in phase 2 by applying the item quality criteria reduced the total to 48 items. Phase factor analysis with structural equation modeling confirmed 32 items in seven domains: activity, work, emotions, harm & blame, diagnosis beliefs, co-morbidity and control. Cronbach α was 0.91 for the total score, between 0.49 and 0.81 for the 7 distinct scores of each domain, respectively. Correlations between YFQ total score ranged with disability, anxiety, depression and self-efficacy was .58, .66, .73, -.51, respectively. After controlling for age and gender the YFQ total score explained between R2 27% and R2 53% variance of disability, anxiety, depression and self-efficacy. Conclusions The YFQ, a multidimensional screening scale is recommended for use to assess psychosocial beliefs of workers with chronic MSK pain. Further evaluation of the measurement properties such as the test-retest reliability, responsiveness and prognostic validity is warranted.

  7. Seasonal trends in abundance and composition of marine debris in selected public beaches in Peninsular Malaysia

    NASA Astrophysics Data System (ADS)

    Mobilik, Julyus-Melvin; Ling, Teck-Yee; Husain, Mohd-Lokman Bin; Hassan, Ruhana

    2015-09-01

    The abundance and composition of marine debris were investigated at Saujana (in the state of Negeri Sembilan) and Batu Rakit (in the state of Terengganu) beaches during surveys conducted in December 2012 (northeast monsoon), May 2013 (intermediate monsoon) and July 2013 (southwest monsoon). A total of 4,682 items of debris weighing 231.4 kg were collected and sorted. Batu Rakit received substantially greater quantities of debris (815±717 items/km or 40.4±13.0 kg/km) compared to Saujana (745±444 items/km or 36.7±18.0 kg/km). Total debris item was more abundant during the southwest monsoon (SWM) (1,122±737 items/km) compared to the northeast monsoon (NEM) (825±593 items/ km) and the intermediate monsoon (IM) (394±4 items/km) seasons. Plastic category (88%) was the most numerous items collected and object items contributed 44.18% includes packaging, plastic fragments, cups, plastic shopping bags, plastic food wrapper, clear plastic bottles from the total debris items collected. Object items associated with common source (47%) were the highest debris accumulated, followed by terrestrial (30%) and marine (23%) sources. The high percentage of common and terrestrial sources during SWM season requires immediate action by marine environment stakeholders to develop and introduce strategies to reduce if not totally eliminates the marine debris in the marine environment. Awareness should be continued and focused on beach users and vessels' crew to alert them on the alarming accumulation rate of marine debris and its pathways into the marine environment.

  8. 26 CFR 1.465-8 - General rules; interest other than that of a creditor.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... borrowed with respect to an activity will not increase the borrower's amount at risk in the activity if the... activity of the corporation. Thus, amounts borrowed by a corporation from a shareholder may increase the..., amounts payable to A for use in that activity do not increase the partners' amount at risk even though the...

  9. 7 CFR 1951.265 - Application for subsequent loan, subordination, or consent to additional indebtedness from a...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... consent to additional indebtedness from a borrower who has been requested to graduate. 1951.265 Section... indebtedness from a borrower who has been requested to graduate. (a) Any borrower who appears to meet the local... ability or inability to graduate has been confirmed. An exception may be made where the proposed action is...

  10. 7 CFR 1951.265 - Application for subsequent loan, subordination, or consent to additional indebtedness from a...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... consent to additional indebtedness from a borrower who has been requested to graduate. 1951.265 Section... indebtedness from a borrower who has been requested to graduate. (a) Any borrower who appears to meet the local... ability or inability to graduate has been confirmed. An exception may be made where the proposed action is...

  11. 7 CFR 1951.265 - Application for subsequent loan, subordination, or consent to additional indebtedness from a...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... consent to additional indebtedness from a borrower who has been requested to graduate. 1951.265 Section... indebtedness from a borrower who has been requested to graduate. (a) Any borrower who appears to meet the local... ability or inability to graduate has been confirmed. An exception may be made where the proposed action is...

  12. 7 CFR 1951.265 - Application for subsequent loan, subordination, or consent to additional indebtedness from a...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... consent to additional indebtedness from a borrower who has been requested to graduate. 1951.265 Section... indebtedness from a borrower who has been requested to graduate. (a) Any borrower who appears to meet the local... ability or inability to graduate has been confirmed. An exception may be made where the proposed action is...

  13. 7 CFR 1951.265 - Application for subsequent loan, subordination, or consent to additional indebtedness from a...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... consent to additional indebtedness from a borrower who has been requested to graduate. 1951.265 Section... indebtedness from a borrower who has been requested to graduate. (a) Any borrower who appears to meet the local... ability or inability to graduate has been confirmed. An exception may be made where the proposed action is...

  14. A Time to Every Purpose: Understanding and Improving the Borrower Experience with Online Student Loan Entrance Counseling. Research Report

    ERIC Educational Resources Information Center

    Fernandez, Chris

    2015-01-01

    Legally mandated student loan entrance counseling attempts to prepare first-time borrowers of federal student loans for this challenge; yet, researchers hypothesized that the online modules most borrowers use for this purpose have significant shortcomings. This report (the third in a series of five from TG Research) describes a study in which…

  15. 12 CFR 617.7015 - What happens to borrower rights when a loan is sold?

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... subsequently sold, in whole or in part, to another qualified lender is subject to the borrower rights... February 10, 1996, and designated for sale into a secondary market at the time the loan was made. (2) Borrower rights apply to a loan designated for sale under paragraph (b)(1) of this section but not sold...

  16. 12 CFR 617.7015 - What happens to borrower rights when a loan is sold?

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... subsequently sold, in whole or in part, to another qualified lender is subject to the borrower rights... February 10, 1996, and designated for sale into a secondary market at the time the loan was made. (2) Borrower rights apply to a loan designated for sale under paragraph (b)(1) of this section but not sold...

  17. 12 CFR 617.7015 - What happens to borrower rights when a loan is sold?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... subsequently sold, in whole or in part, to another qualified lender is subject to the borrower rights... February 10, 1996, and designated for sale into a secondary market at the time the loan was made. (2) Borrower rights apply to a loan designated for sale under paragraph (b)(1) of this section but not sold...

  18. 12 CFR 617.7015 - What happens to borrower rights when a loan is sold?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... subsequently sold, in whole or in part, to another qualified lender is subject to the borrower rights... February 10, 1996, and designated for sale into a secondary market at the time the loan was made. (2) Borrower rights apply to a loan designated for sale under paragraph (b)(1) of this section but not sold...

  19. 7 CFR 1786.168 - Borrowers who prepaid under this part prior to October 21, 1992.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... the date of enactment of Public Law 102-428 (106 Stat. 2183) on October 21, 1992, at a discount rate... INSURED LOANS TO ELECTRIC AND TELEPHONE BORROWERS Discounted Prepayments on RUS Electric Loans § 1786.168...) The amount (if any) by which the discount the borrower received by reason of the prepayment exceeds...

  20. Sense of Loss, Belonging, and Storytelling: An Anglo-Indian Narrator in "The Borrowers"

    ERIC Educational Resources Information Center

    Kawabata, Ariko

    2006-01-01

    Mary Norton's "The Borrowers" has a complicated narrative framework, through which the story of the small people, the Borrowers, is told. Once we find that the embedded story is carefully set at the turn of the nineteenth century, parallels with Burnett's "The Secret Garden" are recognized, in which a lonely Anglo-Indian child experiences some…

  1. 7 CFR 3550.163 - Transfer of security and assumption of indebtedness.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... transfers: (i) A transfer from the borrower to a spouse or children not resulting from the death of the borrower. (ii) A transfer to a relative, joint tenant, or tenant by the entirety resulting from the death... deceased borrower at the time of death, if the dwelling will be occupied by one or more persons who were...

  2. 7 CFR 3550.163 - Transfer of security and assumption of indebtedness.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... transfers: (i) A transfer from the borrower to a spouse or children not resulting from the death of the borrower. (ii) A transfer to a relative, joint tenant, or tenant by the entirety resulting from the death... deceased borrower at the time of death, if the dwelling will be occupied by one or more persons who were...

  3. From Passive to Proactive: Understanding and Improving the Borrower Experience with Online Student Loan Exit Counseling. Research Report

    ERIC Educational Resources Information Center

    Fernandez, Chris

    2015-01-01

    Legally mandated student loan exit counseling attempts to prepare borrowers of federal student loans for the repayment process; yet, researchers hypothesized that the online modules most borrowers use for this purpose have significant shortcomings. This report (the second in a series of five from TG Research) describes a study in which researchers…

  4. 12 CFR 617.7110 - How should a qualified lender disclose the cost of borrower stock or participation certificates?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... loan transaction. For subsequent loans to existing borrowers, only the cost of new stock or... 12 Banks and Banking 6 2010-01-01 2010-01-01 false How should a qualified lender disclose the cost....7110 How should a qualified lender disclose the cost of borrower stock or participation certificates...

  5. Why Student Loans Are Different: Findings from Six Focus Groups of Student Loan Borrowers

    ERIC Educational Resources Information Center

    Delisle, Jason; Holt, Alexander

    2015-01-01

    For all the attention student loans have received in the media and from policymakers in recent years, there is still remarkably little information on why and how borrowers struggle to repay them. Rising college prices and debt levels explain some of the troubles borrowers have with their loans, as does a slow economic recovery that has caused…

  6. Borrowing at the Maximum: Undergraduate Stafford Loan Borrowers in 2007-08. Stats in Brief. NCES 2012-161

    ERIC Educational Resources Information Center

    Wei, Christina Chang; Skomsvold, Paul

    2011-01-01

    Using data from the 2007-08 National Postsecondary Student Aid Study (NPSAS:08), this Statistics in Brief examines the extent to which undergraduate students borrow the maximum possible within the limits of the Stafford loan program (the program maximum) and their own financial need and student budgets (the individual maximum). Students who…

  7. 34 CFR 682.412 - Consequences of the failure of a borrower or student to establish eligibility.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Consequences of the failure of a borrower or student to establish eligibility. 682.412 Section 682.412 Education Regulations of the Offices of the Department of... § 682.412 Consequences of the failure of a borrower or student to establish eligibility. (a) The lender...

  8. Toward a typology of health-related informal credit: an exploration of borrowing practices for paying for health care by the poor in Cambodia

    PubMed Central

    2012-01-01

    Background Borrowing money is a common strategy to cope with health care costs. The impact of borrowing on households can be severe, leading to indebtedness and further impoverishment. However, the available literature on borrowing practices for health is limited. We explore borrowing practices for paying for health care by the poor in Cambodia and provide a typology, associated conditions, and the extent of the phenomenon. Methods In addition to a semi-structured literature review, in-depth interviews were conducted with representatives of 47 households with health-related debt and 19 managers of formal or informal credit schemes. Results A large proportion of Cambodians, especially the poor, resort to borrowing to meet the cost of health care. Because of limited cash flow and access to formal creditors, the majority take out loans with high interest rates from informal money lenders. The most common type of informal credit is locally known as Changkar and consists of five kinds of loans: short-term loans, medium-term loans, seasonal loans, loans for an unspecified period, and loans with repayment in labour, each with different lending and repayment conditions and interest rates. Conclusion This study suggests the importance of informal credit for coping with the cost of treatment and its potentially negative impact on the livelihood of Cambodian people. We provide directions for further studies on financial protection interventions to mitigate harmful borrowing practices to pay for health care in Cambodia. PMID:23134845

  9. Female medical students may accrue less student loan debt than their male colleagues in New Zealand.

    PubMed

    McHardy, Karina M; Janssen, Anna; Poole, Phillippa J

    2008-05-09

    To quantify the current level of actual student loan debt in New Zealand (NZ) medical students at the time of graduation, and to investigate how debt burden relates to gender and ethnicity. A questionnaire was distributed to all graduating students from The University of Auckland's School of Medicine in November 2006. This study looked specifically at debt attributable to a New Zealand Government Student Loan (NZGSL). The response rate was 88%. Eighty-seven percent of NZ residents in the survey had a NZGSL. Nearly three-quarters of all students (73%) reported a total NZGSL of over $45,000, with one-third reporting a total greater than $75,000. Overall, males appeared to have different borrowing behaviours than their female counterparts, as reflected in their higher loan totals. Females were also more likely to report that they had no student loan, despite comparable access to parental financial support, part-time work, and scholarships. The reported loan sizes of Maori and Pacific Island students did not differ significantly from those of other ethnicities. Only 11% of study respondents reported that the burden of a student loan had a significant impact on future career decisions. For the majority of Auckland medical graduates, student debt is significant and continues to be a burdensome issue. There appear to be differences in the borrowing behaviours of males and females in the medical school programme, while different ethnicities have similar debt burdens.

  10. Pattern analysis of total item score and item response of the Kessler Screening Scale for Psychological Distress (K6) in a nationally representative sample of US adults

    PubMed Central

    Kawasaki, Yohei; Ide, Kazuki; Akutagawa, Maiko; Yamada, Hiroshi; Yutaka, Ono; Furukawa, Toshiaki A.

    2017-01-01

    Background Several recent studies have shown that total scores on depressive symptom measures in a general population approximate an exponential pattern except for the lower end of the distribution. Furthermore, we confirmed that the exponential pattern is present for the individual item responses on the Center for Epidemiologic Studies Depression Scale (CES-D). To confirm the reproducibility of such findings, we investigated the total score distribution and item responses of the Kessler Screening Scale for Psychological Distress (K6) in a nationally representative study. Methods Data were drawn from the National Survey of Midlife Development in the United States (MIDUS), which comprises four subsamples: (1) a national random digit dialing (RDD) sample, (2) oversamples from five metropolitan areas, (3) siblings of individuals from the RDD sample, and (4) a national RDD sample of twin pairs. K6 items are scored using a 5-point scale: “none of the time,” “a little of the time,” “some of the time,” “most of the time,” and “all of the time.” The pattern of total score distribution and item responses were analyzed using graphical analysis and exponential regression model. Results The total score distributions of the four subsamples exhibited an exponential pattern with similar rate parameters. The item responses of the K6 approximated a linear pattern from “a little of the time” to “all of the time” on log-normal scales, while “none of the time” response was not related to this exponential pattern. Discussion The total score distribution and item responses of the K6 showed exponential patterns, consistent with other depressive symptom scales. PMID:28289560

  11. Financial risk protection from social health insurance.

    PubMed

    Barnes, Kayleigh; Mukherji, Arnab; Mullen, Patrick; Sood, Neeraj

    2017-09-01

    This paper estimates the impact of social health insurance on financial risk by utilizing data from a natural experiment created by the phased roll-out of a social health insurance program for the poor in India. We estimate the distributional impact of insurance on of out-of-pocket costs and incorporate these results with a stylized expected utility model to compute associated welfare effects. We adjust the standard model, accounting for conditions of developing countries by incorporating consumption floors, informal borrowing, and asset selling which allow us to separate the value of financial risk reduction from consumption smoothing and asset protection. Results show that insurance reduces out-of-pocket costs, particularly in higher quantiles of the distribution. We find reductions in the frequency and amount of money borrowed for health reasons. Finally, we find that the value of financial risk reduction outweighs total per household costs of the insurance program by two to five times. Copyright © 2017. Published by Elsevier B.V.

  12. Fishery resource utilization of a restored estuarine borrow pit: a beneficial use of dredged material case study.

    PubMed

    Reine, Kevin; Clarke, Douglas; Ray, Gary; Dickerson, Charles

    2013-08-15

    Numerous pits in coastal waters are subject to degraded water quality and benthic habitat conditions, resulting in degraded fish habitat. A pit in Barnegat Bay, New Jersey (USA) was partially filled with dredged sediment to increase flushing, alleviate hypoxia, and enhance benthic assemblages. Restoration objectives were assessed in terms of benthic community parameters and fishery resource occupation. Restoration resulted in increased benthic diversity (bottom samples) and the absence of water column stratification. Fisheries resources occupied the entire water column, unlike pre-restoration conditions where finfish tended to avoid the lower water column. The partial restoration option effectively reproduced an existing borrow pit configuration (Hole #5, control), by decreasing total depth from -11 m to -5.5 m, thereby creating a habitat less susceptible to hypoxic/anoxic conditions, while retaining sufficient vertical relief to maintain associations with juvenile weakfish and other forage fishes. Partially filling pits using dredged material represents a viable restoration alternative. Published by Elsevier Ltd.

  13. 7 CFR Exhibit B-2 to Subpart B of... - Letter for Notifying Applicants, Lenders and Holders and Borrowers of Unfavorable Decision...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... and Borrowers of Unfavorable Decision Reached at the Meeting B Exhibit B-2 to Subpart B of Part 1900... REGULATIONS GENERAL Adverse Decisions and Administrative Appeals Pt. 1900, Subpt. B, Exh. B-2 Exhibit B-2 to Subpart B of Part 1900—Letter for Notifying Applicants, Lenders and Holders and Borrowers of Unfavorable...

  14. 7 CFR Exhibit B-2 to Subpart B of... - Letter for Notifying Applicants, Lenders and Holders and Borrowers of Unfavorable Decision...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... and Borrowers of Unfavorable Decision Reached at the Meeting B Exhibit B-2 to Subpart B of Part 1900... REGULATIONS GENERAL Adverse Decisions and Administrative Appeals Pt. 1900, Subpt. B, Exh. B-2 Exhibit B-2 to Subpart B of Part 1900—Letter for Notifying Applicants, Lenders and Holders and Borrowers of Unfavorable...

  15. 7 CFR Exhibit B-2 to Subpart B of... - Letter for Notifying Applicants, Lenders and Holders and Borrowers of Unfavorable Decision...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... and Borrowers of Unfavorable Decision Reached at the Meeting B Exhibit B-2 to Subpart B of Part 1900... REGULATIONS GENERAL Adverse Decisions and Administrative Appeals Pt. 1900, Subpt. B, Exh. B-2 Exhibit B-2 to Subpart B of Part 1900—Letter for Notifying Applicants, Lenders and Holders and Borrowers of Unfavorable...

  16. 7 CFR Exhibit B-2 to Subpart B of... - Letter for Notifying Applicants, Lenders and Holders and Borrowers of Unfavorable Decision...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... and Borrowers of Unfavorable Decision Reached at the Meeting B Exhibit B-2 to Subpart B of Part 1900... REGULATIONS GENERAL Adverse Decisions and Administrative Appeals Pt. 1900, Subpt. B, Exh. B-2 Exhibit B-2 to Subpart B of Part 1900—Letter for Notifying Applicants, Lenders and Holders and Borrowers of Unfavorable...

  17. The Effects of Higher Loan Limits and Need Analysis Changes on FFELP Borrowing in Pennsylvania, July to December 1992 to 1993.

    ERIC Educational Resources Information Center

    Redd, Kenneth E.

    This study examined the effects of the Higher Education Amendments of 1992 on Federal Family Education Loan Program (FFELP) borrowing in Pennsylvania during the July-to-December periods of 1992 to 1993. The Amendments increased the annual borrowing limits for the Federal Stafford loans and Federal Supplemental Loans for Students (SLS), eliminated…

  18. Deficit Financing of Schools? The Impact of Statutory Change on School District Borrowing Behavior.

    ERIC Educational Resources Information Center

    Edlefson, Carla

    In the 70s and 80s, Ohio relaxed its balanced-budget laws to give school districts more options for borrowing over the end of the fiscal year. Two provisions that permit districts to borrow against next year's revenues in order to balance the current year's budget include the Emergency School Advancement program and the Spending Reserve. This…

  19. Age-related Differential Item Functioning for the Patient-Reported Outcomes Information System (PROMIS®) Physical Functioning Items.

    PubMed

    Paz, Sylvia H; Spritzer, Karen L; Morales, Leo S; Hays, Ron D

    2013-03-29

    To evaluate the equivalence of the PROMIS® wave 1 physical functioning item bank, by age (50 years or older versus 18-49). A total of 114 physical functioning items with 5 response choices were administered to English- (n=1504) and Spanish-language (n=640) adults. Item frequencies, means and standard deviations, item-scale correlations, and internal consistency reliability were estimated. Differential Item Functioning (DIF) by age was evaluated. Thirty of the 114 items were fagged for DIF based on an R-squared of 0.02 or above criterion. The expected total score was higher for those respondents who were 18-49 than those who were 50 or older. Those who were 50 years or older versus 18-49 years old with the same level of physical functioning responded differently to 30 of the 114 items in the PROMIS® physical functioning item bank. This study yields essential information about the equivalence of the physical functioning items in older versus younger individuals.

  20. Distressed financing of household out-of-pocket health care payments in India: incidence and correlates.

    PubMed

    Joe, William

    2015-07-01

    Out-of-pocket (OOP) health care payments financed through borrowings or sale of household assets are referred to as distressed health care financing. This article expands this concept (to include contributions from friends or relatives) and examines the incidence and correlates of distressed health care financing in India. The analysis finds a decisive influence of distressed financing in India as over 60 and 40% of hospitalization cases from rural and urban areas, respectively, report use of such coping strategies. Altogether, sources such as borrowings, sale of household assets and contributions from friends and relatives account for 58 and 42% share in total OOP payments for inpatient care in rural and urban India, respectively. Further, the results show significant socioeconomic gradient in the distribution of distressed financing with huge disadvantages for marginalized sections, particularly females, elderly and backward social groups. Multivariate logistic regression informs that households are at an elevated risk of indebtedness while seeking treatment for non-communicable diseases, particularly cancer. Evidence based on intersectional framework reveals that, despite similar socioeconomic background, males are more likely to use borrowings for health care financing than females. In conclusion, the need for social protection policies and improved health care coverage is emphasized to curtail the incidence of distressed health care financing in India. Published by Oxford University Press in association with The London School of Hygiene and Tropical Medicine © The Author 2014; all rights reserved.

  1. 7 CFR 1788.49 - Contractors' bond requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers...

  2. 7 CFR 1788.49 - Contractors' bond requirements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ..., DEPARTMENT OF AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers...

  3. 7 CFR 1788.49 - Contractors' bond requirements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ..., DEPARTMENT OF AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers...

  4. 7 CFR 1788.49 - Contractors' bond requirements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ..., DEPARTMENT OF AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers...

  5. 7 CFR 1788.49 - Contractors' bond requirements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ..., DEPARTMENT OF AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers...

  6. 7 CFR Exhibit E to Subpart K of... - Guide Letter to Delinquent FmHA or Its Successor Agency Under Public Law 103-354 Single Family...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Agency Under Public Law 103-354 Single Family Housing Loan Borrowers E Exhibit E to Subpart K of Part... Agency Under Public Law 103-354 Single Family Housing Loan Borrowers Dear (name of borrower): This is to.... Their counseling services include advice on debt levels and credit purchases, consumer and cost...

  7. 7 CFR Exhibit B-1 to Subpart B of... - Letter for Notifying Applicants, Lender, Holders and Borrowers of Adverse Decisions Where the...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Borrowers of Adverse Decisions Where the Decision Is Appealable B Exhibit B-1 to Subpart B of Part 1900... REGULATIONS GENERAL Adverse Decisions and Administrative Appeals Pt. 1900, Subpt. B, Exh. B-1 Exhibit B-1 to Subpart B of Part 1900—Letter for Notifying Applicants, Lender, Holders and Borrowers of Adverse Decisions...

  8. 7 CFR Exhibit B-1 to Subpart B of... - Letter for Notifying Applicants, Lender, Holders and Borrowers of Adverse Decisions Where the...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Borrowers of Adverse Decisions Where the Decision Is Appealable B Exhibit B-1 to Subpart B of Part 1900... REGULATIONS GENERAL Adverse Decisions and Administrative Appeals Pt. 1900, Subpt. B, Exh. B-1 Exhibit B-1 to Subpart B of Part 1900—Letter for Notifying Applicants, Lender, Holders and Borrowers of Adverse Decisions...

  9. 7 CFR Exhibit B-1 to Subpart B of... - Letter for Notifying Applicants, Lender, Holders and Borrowers of Adverse Decisions Where the...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Borrowers of Adverse Decisions Where the Decision Is Appealable B Exhibit B-1 to Subpart B of Part 1900... REGULATIONS GENERAL Adverse Decisions and Administrative Appeals Pt. 1900, Subpt. B, Exh. B-1 Exhibit B-1 to Subpart B of Part 1900—Letter for Notifying Applicants, Lender, Holders and Borrowers of Adverse Decisions...

  10. 7 CFR Exhibit B-1 to Subpart B of... - Letter for Notifying Applicants, Lender, Holders and Borrowers of Adverse Decisions Where the...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Borrowers of Adverse Decisions Where the Decision Is Appealable B Exhibit B-1 to Subpart B of Part 1900... REGULATIONS GENERAL Adverse Decisions and Administrative Appeals Pt. 1900, Subpt. B, Exh. B-1 Exhibit B-1 to Subpart B of Part 1900—Letter for Notifying Applicants, Lender, Holders and Borrowers of Adverse Decisions...

  11. Developing Better Methods for Obtaining Long-Term (Debt) Financing for Expansion of Physical Facilities at Small, Nonprofit, Traditional Midwestern Colleges.

    ERIC Educational Resources Information Center

    Westin, Charles A.

    This research explored the problem of private colleges borrowing money to pay for construction of needed buildings. The study revealed that most colleges had borrowed money in the past for construction. About two-thirds of those foresaw further construction, and one-half of those who planned to build also planned to borrow to meet part of the cost…

  12. Uranium loans: Delaying the day of reckoning

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

    Not Available

    1993-09-01

    Spot market volume so far this year, by NUKEM's estimates, comes to just under 11 million lbs. It appears that existing loans are either being extended, or paid back with material borrowed from other sources. Therefore, there has been no significant amount of purchases on the spot market to pay back borrowed uranium. How do we know the loans have not been paid back with spot purchases For one thing, the amount of uranium loans outstanding has increased. According to our current survey, there may now be as much as 32 million lbs U3O8 equivalent in outstanding loans. At currentmore » prices, it's cheaper to borrow than to buy uranium. So borrowers are gambling that prices will remain low for some time, allowing them to delay repayment of the loans. Borrowers then, in essence, are delaying the day of reckoning on these loans. How long they can do so is anyone's guess. As long as uranium is in abundance and utilities remain willing to lend it out, loan activity will likely remain at or near current levels. But when supplies tighten and the market swings in a more positive direction, borrowers may get caught scrambling to repay their loans as quickly as possible.« less

  13. Estimating the Reliability of a Test Battery Composite or a Test Score Based on Weighted Item Scoring

    ERIC Educational Resources Information Center

    Feldt, Leonard S.

    2004-01-01

    In some settings, the validity of a battery composite or a test score is enhanced by weighting some parts or items more heavily than others in the total score. This article describes methods of estimating the total score reliability coefficient when differential weights are used with items or parts.

  14. Beauty premium: Event-related potentials evidence of how physical attractiveness matters in online peer-to-peer lending.

    PubMed

    Jin, Jia; Fan, Bonai; Dai, Shenyi; Ma, Qingguo

    2017-02-15

    Although it is well known that attractiveness-based impressions affect the labor market, election outcomes and many other social activities, little is known about the role physical attractiveness plays in financial transactions. With the development of online finance, peer-to-peer lending has become one of the most important ways in which businesses or individuals raise capital. However, because of information asymmetry, the lender must decide whether or not to lend money to a stranger based on limited information, resulting in their decision being influenced by many other factors. In the current study, we investigated how potential borrowers' facial attractiveness influenced lenders' attitudes toward borrowers' repayment behavior at the brain level by using event-related potentials. At the priming stage, photos of attractive borrowers induced smaller N200 amplitude than photos of unattractive borrowers. Meanwhile, at the feedback stage, compared with the condition of repaying on time, breach of repayment from unattractive borrowers induced larger feedback-related negativity (FRN) amplitude, which was a frontal-central negative deflection and would be enhanced by the unexpected outcome. Furthermore, smaller P300 amplitude was also elicited by the condition of not repaying on time. These differences in the FRN and P300 amplitudes were not observed between negative and positive feedback from attractive borrowers. Therefore, our findings suggest that the beauty premium phenomenon is present in online peer-to-peer lending and that lenders were more tolerant toward attractive borrowers' dishonest behavior. Copyright © 2017 Elsevier B.V. All rights reserved.

  15. Parent-Reported Health Consequences and Relationship to Expenditures in Children with ADHD.

    PubMed

    deJong, Neal A; Williams, Christianna S; Thomas, Kathleen C

    2016-04-01

    (1) To describe parents' report of special needs for children with ADHD on the Children with Special Health Care Needs (CSHCN) Screener; and (2) to assess the association between responses to Screener items and annual mental health and total health expenditures per child. In pooled 2002-2011 Medical Expenditure Panel Survey (MEPS) data, we identify children ages 4-17 years with ADHD. We use OLS and two-part regressions to model the relationship between CSHCN Screener items and mental health and total health expenditures. Based on these models we estimate adjusted, average total health expenditures for children with ADHD-both with and without a co-morbid mental health condition-and different combinations of endorsed Screener items. This research was conducted in accordance with prevailing ethical principles. There were 3883 observations on 2591 children with ADHD. Without a co-morbid mental health condition, average total expenditures per year from adjusted, model-based estimates were $865 for those meeting no Screener items, $2664 for those meeting only the medication item, $3595 for those meeting the medication and counseling items, and $4203 for those meeting the medication, counseling, and use of more health services items. Children with a co-morbid mental health condition had greater total health expenditures for each combination of Screener items. The associations between Screener items and mental health expenditures were similar, but with a slightly lower marginal effect of the medication item (p < 0.001 for all comparisons). Parents' responses on the CSHCN Screener are associated with meaningful variation in expenditures for children with ADHD. Though cross-sectional, this study suggests that the CSHCN Screener can be a useful categorization scheme for children with ADHD. It may be an efficient, standardized tool at the point of care for identifying children who need more resources and for targeting intensive interventions in the context of population health management.

  16. 7 CFR 1788.50 - Acceptable sureties.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.50 Acceptable...

  17. 7 CFR 1788.50 - Acceptable sureties.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.50 Acceptable...

  18. 7 CFR 1788.50 - Acceptable sureties.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.50 Acceptable...

  19. 7 CFR 1788.50 - Acceptable sureties.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.50 Acceptable...

  20. 7 CFR 1788.50 - Acceptable sureties.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... AGRICULTURE (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS Insurance for Contractors, Engineers, and Architects, Telecommunications Borrowers § 1788.50 Acceptable...

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