Relevant bibliographies by topics / Personal Savings

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Personal Savings'

Author: Grafiati
Published: 4 June 2021
Last updated: 6 February 2022

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Journal articles on the topic "Personal Savings"

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Aguila, Emma. "Personal Retirement Accounts and Saving." American Economic Journal: Economic Policy 3, no. 4 (November 1, 2011): 1–24. http://dx.doi.org/10.1257/pol.3.4.1.

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Aging populations are leading countries worldwide to social security reforms. Many countries are moving from pay-as-you-go to personal retirement account (PRA) systems because of their financial sustainability and positive impact on private savings. PRA systems boost private savings at a macro level by converting a government liability into financial wealth managed by private fund managers. However, at a micro level, changes in retirement wealth affect individuals' saving and consumption patterns through their working lives. Retirement wealth increased for lower-income workers after Mexico introduced PRAs, crowding out saving, increasing consumption, and offsetting some of the PRA effect on private savings. (JEL D14, E21, H55, J26, O16)
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Pollard, Carol Elaine. "Up close and personal." International Journal of Sustainability in Higher Education 17, no. 1 (January 4, 2016): 68–85. http://dx.doi.org/10.1108/ijshe-03-2014-0043.

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Purpose – The purpose of this research is to explore the drivers of computer-related sustainability behavior at a medium-sized US university and the extent to which an inexpensive energy-saving device installed on 146 administrator, faculty and general staff workstations achieved significant savings in kWh, CO2 kg and dollars. Design/methodology/approach – A mixed-method approach was used to collect qualitative and quantitative data to inform the study, and an intervention was introduced to raise awareness of energy-saving initiatives on a medium-sized university campus at an individual level. A simple computer energy efficiency device to measure the kWh, carbon emissions and monetary savings was installed on office workstations of 146 administrator, faculty and general staff. The research design enabled analysis of university mitigation strategies along with energy-saving behaviors, attitudes and savings in CO2 kg and dollars resulting from the installation of the adaptation intervention. Findings – Extrapolating individual workstation savings over the eight-week study period suggests potential annual average savings of $122,087.21; 1,327,003 kWh of energy; and 577,044 kg CO2. Usage behaviors and attitudes of study participants toward green practices in general and the specific energy-saving device showed participants hold highly positive attitudes toward both. Themes that captured participants’ feeling toward the energy-saving device included: easy to use; enjoyment; feedback; habit and technical issues. Drivers that most highly motivated participants to save energy at work were participants’ sense of social responsibility and the recognition of the need to reduce energy at work. Practical implications – The implementation of a voluntary individual-level energy-saving adaptation has the potential to be more far effective than expensive mandated strategies imposed on university employees and the value of feedback in positively influencing sustainability behavior. Originality/value – This study is one of the first to report on the implementation of a voluntary individual-level climate change adaptation intervention on a university campus. The research addresses concerns voiced in previous literature that higher education is not stepping up the critical role in climate adaptation required of it and contributes to the sustainability in higher education literature by providing empirical evidence of the usefulness of implementing a simple adaptation technique. Specifically, it documents how increasing sustainability awareness in university employees can encourage socially responsible and energy conversation behaviors and achieve significant energy savings in dollars, kWh and CO2 kg.
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Yang, Bijou, and David Lester. "National Character and Personal Savings." Psychological Reports 80, no. 3 (June 1997): 1018. http://dx.doi.org/10.2466/pr0.1997.80.3.1018.

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Green, Francis, and George Hadjimatheou. "Regional differences in personal savings." Applied Economics 22, no. 7 (July 1990): 933–45. http://dx.doi.org/10.1080/00036849000000031.

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Makgetla, Neva Seidman. "Personal savings, ethnicity and redistribution." Development Southern Africa 12, no. 1 (February 1995): 1–16. http://dx.doi.org/10.1080/03768359508439784.

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Börsch-Supan, Axel, and Konrad Stahl. "Do savings programs dedicated to home-ownership increase personal savings?" Journal of Public Economics 44, no. 3 (April 1991): 265–97. http://dx.doi.org/10.1016/0047-2727(91)90016-u.

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Styger, P., and J. H. P. Van Heerden. "Die definiëring van persoonlike besparing: Die Suid-Afrikaanse situasie 1965.1 tot 1984.4." South African Journal of Business Management 18, no. 1 (March 31, 1987): 29–34. http://dx.doi.org/10.4102/sajbm.v18i1.994.

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The definition of personal savings: The South African situation 1965.1 to 1984.4 The personal savings definition and through that also the time series of personal savings in South Africa in common use, can be described as personal savings as published, amongst others, by the South African Reserve Bank. In the computation of the above time series there are certain deficiencies and the time series has been queried since the sixties. The objective of this study was to undertake an empirical study of the definition of personal savings in South Africa and through that also the time series of personal savings, and possibly to improve on these. It was indicated that the published personal savings cannot be regarded as a good definition of personal savings in South Africa. Various alternative personal savings definitions were studied critically and it was indicated that it would seem that long-term insurance premiums plus pension fund contributions (i.e. contractual personal savings) should constitute the personal savings definition for South Africa.
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FÖLSTER, STEFAN. "Social Insurance Based on Personal Savings." Economic Record 75, no. 1 (March 1999): 5–18. http://dx.doi.org/10.1111/j.1475-4932.1999.tb02429.x.

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PEARCE, I. F., and S. H. THOMAS. "PERSONAL SAVINGS AND TRANSACTIONS BALANCE CHANGES." Manchester School 54, no. 4 (December 1986): 380–90. http://dx.doi.org/10.1111/j.1467-9957.1986.tb01280.x.

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Doda, Sanie, and Shkelqim Fortuzi. "The Impact of Saving in Personal Finance." European Journal of Economics and Business Studies 2, no. 1 (August 30, 2015): 108. http://dx.doi.org/10.26417/ejes.v2i1.p108-112.

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Personal finance shows how we manage of our financial resources. Represents our willingness about money and in general money management our economic and financial. This means you need to decide by yourself for your money, to have success. Savings for each case helps us to overcome such crisis in our lives. Saving helps us to overcome significant problems in our lives. To manage our income means to start a journey towards financial freedom. This does not necessarily mean having a luxurious life, but to adopt effective measures of achieving a certain comfort efficient management of money for each individual brings a qualitative growth. Money is a tool, the means by which we support our unique values and priorities. Therefore it is important to create a financial plan, savings strategies. Goals and opportunities for individuals to save are different and it is difficult to find a suitable solution for all. Albania has not started functioning separate windows or agencies that are only in terms of personal finance.
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Dissertations / Theses on the topic "Personal Savings"

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Pierce, Nancy L. "Precautionary savings behavior of maritally-stressed households /." free to MU campus, to others for purchase, 2004. http://wwwlib.umi.com/cr/mo/fullcit?p3137736.

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Lung, Robert Bruce. "Personal Savings as a Function of Permanent Income." Thesis, Virginia Tech, 2002. http://hdl.handle.net/10919/34061.

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In this paper, a model to estimate personal savings is constructed using an estimate of permanent income. Traditional approaches to studying aggregate personal savings depend on many independent variables that serve as the determinants of personal saving. Because some of the determinants used in such approaches can be difficult to obtain, estimating aggregate saving in this manner can be time-consuming and arduous. Using an estimate of permanent income based on Friedman's Permanent Income Hypothesis (PIH), this paper creates a model to estimate personal savings and tests the model by examining the Marginal Propensity to Save (MPS) that is derived from it. Permanent income was estimated using a two-stage least squares (2SLS) method and aggregate personal savings is estimated using ordinary least squares (OLS). The empirical evidence reveals that savings estimates and marginal propensities to save are consistent with results obtained studies using conventional approaches except during periods in which a wealth effect occurs. During such periods, additional variables need to be added to the model to account for a wealth effect. This analysis therefore serves to further validate the PIH and shows that it can be applied to studying household savings as well as consumption.
Master of Arts
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Kadhim, Lara Vilela. "Assessing personal retirement savings plans: the portuguese case." Master's thesis, Instituto Superior de Economia e Gestão, 2009. http://hdl.handle.net/10400.5/1173.

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Mestrado em Economia Monetária e Financeira
This thesis highlights the insights and shortcomings of personal retirement savings plans (PRSP) structure, operations and performance. These schemes were, at first, established in 1989, with the purpose of encouraging personal savings and, at the same time, complementing the traditional system of pension provision. Because of their voluntary nature, the state offered a special fiscal regime to PRSP in order to promote individuals' reliance on private pension savings. PRSP are administered by pension plan sponsors. Together with investment managers, they find that their privileged access to information and to sophisticated techniques of performance evaluation allows them to achieve superior performances (for a portfolio security) than the ones reached by a financially myopic individual. To investigate this point, an analysis was conducted on return, risk, security selection and market timing performance of a sample of 20 representative personal retirement savings funds (PRSF), hold in the form of pension funds. This thesis begins with a brief debate on the impact of demographic evolution in the Portuguese pension system, with a special reference to the third pillar of pension protection. Then, it portrayed PRSP status quo and growth trends, and pointed out some criticisms and an alternative to these schemes. The final section examines PRSF performance. It starts with a brief description on the data, methodology and data limitations, followed by a literature review on portfolio performance measures and market timing. Using a time series regression on PRSF gross returns, some illustrative results are presented and identified the potential distortionary outcome of portfolio performance measures.
Esta tese procura salientar as virtudes e debilidades inerentes à estrutura, modus operandis e desempenho dos planos de poupança reforma (PPR). Estabelecidos, pela primeira vez, em 1989, estes planos propunham-se a estimular a poupança voluntária bem como a complementar os esquemas tradicionais de provisão de pensões. Por serem planos de subscrição voluntários, o estado concedeu-lhes um regime fiscal especial a fim de promover a confiança dos indivíduos neste tipo de poupança privada para a velhice. Os PPR são geridos por entidades gestoras de fundos de pensões que, juntamente com os gestores de investimento, consideram que o seu acesso privilegiado à informação e às técnicas sofisticadas de avaliação do desempenho das carteiras lhes permite obter um desempenho superior àquele que seria obtido por um individuo com miopia financeira. Para investigar este facto, foram analisados o rendimento, risco, selecção individual e market timing de uma amostra composta por 20 fundos de poupança reforma (FPR), detido sobre a forma de fundos de pensões. A tese começa com uma breve discussão sobre o impacto da evolução demográfica no sistema de pensões nacionais, com especial referência para o terceiro pilar de protecção social. Segue-se, uma descrição sobre o status quo e as tendências de crescimento dos PPR. São também apontadas algumas críticas aos PPR bem como uma alternativa a estes esquemas complementares. Por fim, analisa-se a desempenho dos PPR, com uma breve descrição sobre os dados, metodologia adoptada e respectivas limitações. Segue-se uma revisão da literatura referente à avaliação do desempenho de carteiras e ao market timing. Tendo por base uma regressão temporal sobre o rendimento bruto dos FPR, são ilustrados os resultados alcançados e identificados os possíveis desfechos distorcionários que podem decorrer das medidas de avaliação do desempenho das carteiras.
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Wetherille, Patrick. "Reforming Social Security the effects of personal accounts on the beneficiaries of Social Security /." Diss., Connect to the thesis, 2005. http://hdl.handle.net/10066/585.

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Black, Kevin. "Savings and Emulation: Could the U.S. Savings Paradox Be Explained by an Arms Race to Consume?" Bowling Green, Ohio : Bowling Green State University, 2009. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=bgsu1237581054.

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Moenig, Thorsten. "Optimal Policyholder Behavior in Personal Savings Products and its Impact on Valuation." Digital Archive @ GSU, 2012. http://digitalarchive.gsu.edu/rmi_diss/28.

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Policyholder exercise behavior presents an important risk factor for life insurance companies. Yet, most approaches presented in the academic literature – building on value maximizing strategies akin to the valuation of American options – do not square well with observed prices and exercise patterns. Following a recent strand of literature, in order to gain insights on what drives policyholder behavior, I first develop a life-cycle model for variable annuities (VA) with withdrawal guarantees. However, I explicitly allow for outside savings and investments, which considerably affects the results. Specifically, I find that withdrawal patterns after all are primarily motivated by value maximization – but with the important asterisk that the value maximization should be taken out from the policyholders’ perspective accounting for individual tax benefits. To this effect, I develop a risk-neutral valuation methodology that takes these different tax structures into consideration, and apply it to our example contract as well as a representative empirical VA. The results are in line with corresponding outcomes from the life cycle model, and I find that the withdrawal guarantee fee from the empirical product roughly accords with its marginal price to the insurer. I further consider the implications of policyholder behavior on product design. In particular – due to differential tax treatments and contrary to option pricing theory – the marginal value of such guarantees can become negative, even when the holder is a value maximizer. For instance, as I illustrate with both a simple two-period model and an empirical VA, a common death benefit guarantee may indeed yield a negative marginal value to the insurer.
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Wilson, W. Andrew. "Budgeting Behaviors of Traditional-Aged Upper-Division College Students." Thesis, Virginia Tech, 1998. http://hdl.handle.net/10919/36574.

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The purpose of this study was to examine the budgeting behaviors of traditional-aged upper-division college students (juniors and seniors). Budgeting behaviors were operationally defined as students' spending and financial planning behaviors. These behaviors were studied by tracking participant expenditures and income of three weeks and administering electronic survey questions. The study was conducted at a large, public, research university, and was designed to answer the following research questions:

1. How do traditional-aged upper-division students spend their money?

2. What are the budgeting behaviors of traditional-aged upper-division students?

3. Are there differences in budgeting behaviors between traditional-aged upper-division students who live off campus and those who live on campus?

4. Are there gender differences between budgeting behaviors of traditional-aged upper-division students?

A sample of 32 college juniors and seniors who had moved directly from high school to college participated in the study. Participants tracked their expenses and income of a three-week period using computerized spreadsheets. These data were analyzed to determine participants' spending behaviors and to examine differences by gender and place of residence. Participants also responded to five electronic survey questions that investigated their budgeting behaviors. Responses from these questions were analyzed to identify themes about the budgeting behaviors of college juniors and seniors.

The results of this study provided some interesting information about college students' budgeting behaviors. Several conclusions were drawn. First, students failed to budget effectively because they spent more than they earned. Across all groups, students' expenditures totaled more than their income. Second, students' comments regarding their budgeting behaviors were found to reflect either good or poor ratings. This suggests that while some students seem to have well-developed financial management skills, others do not. Third, off-campus students differ from on-campus students because they have more budgeting experience. Off-campus students seemed to have developed these budgeting skills by paying monthly bills associated with off-campus living. Finally, female students spent money on clothes and beauty items, relied on gifts as sources of income, and seemed more anxious about budgeting than male students. These kinds of behaviors may reinforce certain stereotypical beliefs about men and women.
Master of Arts

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Zainir, F. "Private savings, financial developments and institutions in emerging economies." Thesis, Coventry University, 2012. http://curve.coventry.ac.uk/open/items/49c61e95-2367-4ace-8f9f-92f5ac8cf5c7/1.

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In the 1950s and 1960s, after gaining independence from their colonial powers, most developing countries adopted “market substitution” as their policy for economic development and growth. In essence, this was an industrialisation strategy followed by these developing economies to concentrate on home-grown products and nurture their expertise in order to reach the status of industrialised nations. However, by the end of 1970s, many developing countries began to realize the failures of their inward-looking approach to industrialization when their economies were mired with high unemployment, inflation and chronic external debt. By the middle of 1980s, many of these countries began to change their policies and reorient themselves into market economies. However, with financial crises and economic recessions that resulted from pursuing market driven liberalization policies, these economies began to realize the flaws of the market driven approach to industrialization. Nevertheless, they continued with the liberalised policies incorporating market as well as non-market (institutional) reforms, aimed at strengthening regulation, improving corporate governance and curbing corruption to avoid the destabilising consequences of financial liberalization. The evolving economic policies that influenced financial development and growth in developing economies came about with the objective of enhancing household and private sector‘s savings. These policies have been designed to influence financial development and economic growth (which can impact upon private savings) in two different ways: (i) by increasing saving due to households taking precautionary motives, or (ii) negatively by spending more due to increase in overall expenditures. Theoretically, the combined effect on private saving is therefore ambiguous. The purpose of this thesis is to assess empirically the importance of various economic factors influencing private sector savings in emerging market economies. In addition, the influence of non-market institutional factors on savings is explored from the incorporation of newly institutional measures into these countries economic policies. Several econometric methodologies are employed with empirical analysis conducted on data for twenty emerging economies across three primary regions in the world, i.e. Asia Pacific, Middle East and North African (MENA), and South America. The twenty countries also include other emerging economies that are proximate to MENA regions such as South Africa, Turkey and Israel. In general, the findings based on SUR (Seemingly Unrelated Regression) methodology show that per capita growth, financial development, government savings, and trade openness have a positive impact on private savings; while youth and old dependency-age groups, real interest rate, and urban growth have a negative effect on private savings. In general, most of these results are consistent with previous studies for other countries. Additionally, causality tests are conducted using Vector Autoregressive (VAR) methodology as well as Pedroni and Johansen cointegration methods within the Vector Error Correction (VEC) model to determine both short-term and long-term causality effects between financial development and economic growth. The results indicate that in the long run financial development has a causal effect on growth; however, in the short run the results are quite mixed. For example, the short run result using the VAR method shows that income growth has Granger causality effect on financial development, but the F-test result for the VEC method shows evidence of bivariate causality. The long-term causality results also confirm the finding of previous research about the importance of developing financial sector in order to spur the country‘s economic growth. The final empirical investigation is to conduct panel data regression to test the impact of non-market institutions on private savings. The main result here is that sound institutional factors based on respect for property rights (e.g. bureaucracy, accountability and regulation quality) have a positive effect on aggregate private savings. Furthermore, political stability is found to have a negative impact on savings while efficient bureaucracy has a positive impact on savings. It can be construed that with an uncertain political environment, i.e. diminishing political stability, the public in general would save more than spend. On the other hand, efficient bureaucracy would boost public confidence about the country‘s governance, which can lead to increased overall savings by the public.
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Southgate, Ada Isobel. "The effects Personal of Income Tax on the savings behaviour of households in South Africa." University of the Western Cape, 1997. http://hdl.handle.net/11394/7890.

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Magister Economicae - MEcon
The "new" South Africa faces a big challenge. Unemployment, poverty and economic hardship still characterise the life of the majority of South Africans. Most people expect this to change under democracy. This will only be possible, however, if the economy can grow fast enough. What type of economic policies can a future government adopt to bring about economic growth and the reduction of poverty? More specifically, can the government raise taxes in order to spend more on the poor without reducing economic growth? The increased expenditure, given the existing deficit, will pressurise government to increase taxes. If this were to happen, the question that comes to mind is whether a savings constraint will develop. At the moment South Africa is not experiencing a savings constraint. This can be attributed to the fact that investment declined more than saving over the past few years. However, if investment has to increase over the next few years to achieve higher economic growth, the question arises whether domestic saving will increase enough to finance it. This will be difficult if an increasing tax burden has a negative impact on saving. Saving has long been recognized as a major factor in the process of economic development, directly by its diversion of resources into the formation of capital, and indirectly through changes in technology which are implemented when new capital is put to use. Few would dispute that domestic saving is important for the financing of development and it is evident that a country will require higher saving rates if it wants to invest more.
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Nga, Marie-Therese. "An investigative analysis into the saving behaviour of poor households in developing countries: with specific reference to South Africa." Thesis, University of the Western Cape, 2007. http://etd.uwc.ac.za/index.php?module=etd&action=viewtitle&id=gen8Srv25Nme4_7414_1190379095.

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In South Africa, as in many developing countries, most households are poor and do not save, as a result of which they do not acquire any positive net worth and which also constrains access to formal means of finance. South Africa is a consuming nation, with increasing ratios of household consumption resulting in dissaving and often unsustainable levels of household debt, which is also stimulated by the current lower level of interest rates. This situation is worse amongst poorhouseholds who also often experience financial shocks, for instance because of the death of family membersas a result of HIV/AIDS. This report provided an overview of household saving in South Africa for the period 1983 to 2003. It identified the main factors responsible for the lack of a commitment to saving which are particularly relevant in the case of poor households.

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Books on the topic "Personal Savings"

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Green, Francis. Regional differences in personal savings. Leicester: University of Leicester. Department of Economics, 1988.

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Meg, Green, ed. Savings and investments. New York, NY: Rosen Central, 2012.

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Kotlikoff, Laurence. What determines savings? Cambridge, Mass: MIT Press, 1989.

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Fölster, Stefan. Social insurance based on personal savings accounts. Moscow: Institute for the Economy in Transition, 1999.

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1969-, Morton David J., ed. The 529 College Savings Plan. Naperville, Ill: Sphinx Pub., 2002.

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Mooney, Carla. Smart savings and financial planning. New York, NY: Rosen Pub., 2013.

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Feigenbaum, Richard A. 529 college savings plan made simple. Naperville, Ill: Sphinx, 2005.

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Blanchard, S. R. A micro-economic analysis of personal sector savings. Manchester: UMIST, 1995.

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King, William E. Saving face: An alternative and personal history of the savings and loan crisis. [Kemah, TX]: Somerset Publications, 2008.

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The 529 College Savings Plan Made Simple. Naperville: Sourcebooks, Inc., 2005.

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Book chapters on the topic "Personal Savings"

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Turner, Daphne, Peter Turner, and Philip Voysey. "Personal Finance, Savings and Investment." In Financial Services Today, 149–58. London: Macmillan Education UK, 1996. http://dx.doi.org/10.1007/978-1-349-13731-2_14.

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Jimon, Stefania Amalia, Florin Cornel Dumiter, and Nicolae Baltes. "Personal Savings and Investments in the Financial Market." In Financial and Monetary Policy Studies, 125–32. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-74454-0_6.

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Hensher, David A. "Behavioral Value of Travel Time Savings in Personal and Commercial Automobile Travel." In The Full Costs and Benefits of Transportation, 245–78. Berlin, Heidelberg: Springer Berlin Heidelberg, 1997. http://dx.doi.org/10.1007/978-3-642-59064-1_9.

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Jeannet, Jean-Pierre, Thierry Volery, Heiko Bergmann, and Cornelia Amstutz. "Financing the Enterprise." In Masterpieces of Swiss Entrepreneurship, 69–79. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-65287-6_7.

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AbstractThis chapter examines the many different pathways company founders and successors pursued to finance their businesses, as well as the financial practices adopted to assure the longevity of the companies. Describing frugal beginnings such as setting up in garages and old factory buildings to start, the chapter deals with the bootstrapping mentality and experience with tapping family resources or personal savings. SME experience with leveraging external financing are reported. Finally, the chapter concludes with experiences of SMEs financing themselves internally, such as based upon cash flow and applying conservative financial policies.
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Lowe, Jonquil. "Saving for later life." In Essential Personal Finance, 214–32. 1 Edition. | New York: Routledge, 2017.: Routledge, 2017. http://dx.doi.org/10.4324/9781315531496-11.

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Johnson, Christopher. "Personal Income and Saving." In Measuring the Economy, 40–59. London: Macmillan Education UK, 1988. http://dx.doi.org/10.1007/978-1-349-10630-1_3.

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Luu, Lien. "Building resilience and wealth through saving." In Essential Personal Finance, 52–82. Abingdon, Oxon; New York, NY: Routledge, 2019. |: Routledge, 2018. http://dx.doi.org/10.4324/9781351041669-4.

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Taylor, Lester D. "The Dynamics of Personal Saving." In Consumer Demand in the United States, 415–23. New York, NY: Springer New York, 2009. http://dx.doi.org/10.1007/978-1-4419-0510-9_19.

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Anastasi, G., M. Conti, E. Gregori, and A. Passarella. "Power-Saving in Wi-Fi Hotspots: An Analytical Study." In Personal Wireless Communications, 306–20. Berlin, Heidelberg: Springer Berlin Heidelberg, 2003. http://dx.doi.org/10.1007/978-3-540-39867-7_31.

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Choi, Jong-Mu, Young-Bae Ko, and Jai-Hoon Kim. "Enhanced Power Saving Scheme for IEEE 802.11 DCF Based Wireless Networks." In Personal Wireless Communications, 835–40. Berlin, Heidelberg: Springer Berlin Heidelberg, 2003. http://dx.doi.org/10.1007/978-3-540-39867-7_77.

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Conference papers on the topic "Personal Savings"

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Ljung, Per. "Opportunities for energy savings in mobile devices." In 2011 IEEE 22nd International Symposium on Personal, Indoor and Mobile Radio Communications - (PIMRC 2011). IEEE, 2011. http://dx.doi.org/10.1109/pimrc.2011.6139950.

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Zhang, Rui, Enjian Yao, and Yue Qian. "Impact Analysis of Personal Attributes on Estimating the Value of Travel Time Savings." In 15th COTA International Conference of Transportation Professionals. Reston, VA: American Society of Civil Engineers, 2015. http://dx.doi.org/10.1061/9780784479292.242.

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Hevizi, Laszlo G., and Istvan Godor. "Power savings in mobile networks by dynamic base station sectorization." In 2011 IEEE 22nd International Symposium on Personal, Indoor and Mobile Radio Communications - (PIMRC 2011). IEEE, 2011. http://dx.doi.org/10.1109/pimrc.2011.6139954.

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Ashraf, Imran, Federico Boccardi, and Lester Ho. "Power savings in small cell deployments via sleep mode techniques." In 2010 IEEE 21st International Symposium on Personal, Indoor and Mobile Radio Communications Workshops (PIMRC Workshops). IEEE, 2010. http://dx.doi.org/10.1109/pimrcw.2010.5670384.

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Kryszkiewicz, Pawel, Filip Idzikowski, Bartosz Bossy, Bartosz Kopras, and Hanna Bogucka. "Energy Savings by Task Offloading to a Fog Considering Radio Front-End Characteristics." In 2019 IEEE 30th Annual International Symposium on Personal, Indoor and Mobile Radio Communications (PIMRC). IEEE, 2019. http://dx.doi.org/10.1109/pimrc.2019.8904231.

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Puinko, L. E. "CUSTOMS ADMINISTRATIONS IN A GLOBALIZING WORLD: NEED FOR INTERACTION." In Problems and mechanisms of implementation of national priorities of socio-economic development of Russia. Khabarovsk State University of Economics and Law, 2020. http://dx.doi.org/10.38161/978-5-7823-0740-0-2020-078-085.

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Insurance products in the field of personal insurance, currently offered by insurance companies are diverse. In the Khabarovsk territory, the population is wary of voluntary personal insurance, including due to the level of income and standard of living. One of the directions of development of the insurance market is the integration of insurance products into the reserve financial savings of citizens, and there are prerequisites for this development in the region
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Ermakov, Dmitrij Nikolaevich, and Grigorii Germanovich Popov. "Features of the socio-economic development of the USSR and the internal policy of the Soviet government in 1955-1985." In All-Russian Scientific Conference with International Participation. Publishing house Sreda, 2021. http://dx.doi.org/10.31483/r-98007.

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In recent years, Russia has shown a high interest in Soviet economic history, which is largely due to the critical understanding of state economic policy in the post-Soviet period. In this regard, this article is relevant from the point of view of expanding the theoretical and methodological base of the historical and economic analysis of the USSR. This article provides a rethinking of the economic development of the USSR on the basis of calculations of personal savings and the share of household consumption in GDP and comparisons of these indicators with Western ones.
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Aulds, Brittany, Theodore Kozman, Jim Lee, and Satish Tyagi. "Methodology for Energy Assessment and Conservation." In ASME 2009 International Mechanical Engineering Congress and Exposition. ASMEDC, 2009. http://dx.doi.org/10.1115/imece2009-13249.

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The current state of the economy along with the rising cost of energy has strained the university’s budget. As a result, the university is forced to cut spending. To elude the possibility of layoffs, wage decreases, or tuition increases, the university can cut costs by reducing the amount of energy it is using. In many cases, energy is not being utilized properly; instead it is being wasted unnecessarily. Considerable savings can be obtained by better managing the university’s energy usage. To estimate the potential cost savings, the energy currently being used by the university was determined separately for each building. The numbers of lights in all accessible areas were counted. The presence of computers, fans, refrigerators, microwaves, and heaters in each room was recorded. Furthermore, it was noted whether the lights were on or off and if the room was occupied or not. The assessments revealed a considerable amount of wasted energy. Lights were on in unoccupied rooms. Lights were also observed to be left on for extended periods of time. Computers were on and not being used, and were rarely ever turned off. A number of personal fans, heaters, microwaves, and refrigerators were present in faculty’s offices. To reduce or eliminate the wasted energy created by these findings, recommendations to the university are to install occupancy sensors, set computers to go into sleep mode when they are not in use, close unused computer labs and buildings, and regulate the occurrence of personal energy consuming devices found in offices. All of the suggestions have a rapid simple payback period.
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Tušek, Ivana, and Miha Marič. "Izzivi pri odločanju glede načina prevoza na delo." In Values, Competencies and Changes in Organizations. University of Maribor Press, 2021. http://dx.doi.org/10.18690/978-961-286-442-2.69.

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Public transport in Slovenia is poorly organized. The connections and timetables are poor, trains are not as fast, and the savings are not significant if the transportation of choice is a personal automobile. However, this mode of transportation more often than not involves a parking problem. Every company does not have enough parking spaces for all of their employees, which is why some people opt to drive to work together or start from home early to secure a free parking space. We will prepare an overview of the possibilities of transport to work in Slovenia, focusing on the route Ljubljana - Kranj. We will address the issues discussed from the point of view of the mode of transport to work - car, train, bus or even on foot, if the workplace is close to home. Our purpose is to determine whether we would save time and money if we were to travel to work by another means of transport, and to identify other factors that influence our decision regarding the mode of transport to work.
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Pandey, Vijitashwa, Deborah Thurston, and Mohit Jolly. "Remanufacture Dependency Matrix and Market Diffusion of Multi-Level Products." In ASME 2006 International Design Engineering Technical Conferences and Computers and Information in Engineering Conference. ASMEDC, 2006. http://dx.doi.org/10.1115/detc2006-99533.

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Many products exhibit remanufacturability at more than one level i.e. their components can not only be used to manufacture a repeat product, they can also be used to manufacture simpler products. While such Multi-Level Remanufacturable Products (MLRPs) have shown promise in terms of cost savings and environmental benefits, no design methods are available which include consideration of these simpler, derivative products. This paper introduces the Remanufacture Dependency Matrix (RDM) as a metric of remanufacturability of a product to account for the possibility of it being remanufactured into simpler products. Although the derivative products depend on the parent product for components, they don’t necessarily compete with it in the marketplace. While diffusion of products in the market in their first lifecycle is fairly understood, there is limited literature on diffusion characteristics incorporating subsequent lifecycles especially in the MLRP scenario. This paper also proposes a variation on the Bass diffusion model to investigate the effects of different levels of remanufacturability. A case study regarding the use of components from personal computers to manufacture book reading devices is presented to exemplify the approach. Our results show that profits can be increased while reducing the environmental impact at the same time.
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Reports on the topic "Personal Savings"

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Russett, Bruce, and Joel Slemrod. Diminished Expectations of Nuclear War and Increased Personal Savings: Evidence From Individual Survey Data. Cambridge, MA: National Bureau of Economic Research, March 1992. http://dx.doi.org/10.3386/w4031.

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Sheshinski, Eytan, and Vito Tanzi. An Explanation of the Behavior of Personal Savings in the United States in Recent Years. Cambridge, MA: National Bureau of Economic Research, July 1989. http://dx.doi.org/10.3386/w3040.

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Yamada, Tetsuji, and Tadashi Yamada. The Effects of Japanese Social Security Retirement Benefits on Personal Savings and Elderly Labor Force Behavior. Cambridge, MA: National Bureau of Economic Research, July 1988. http://dx.doi.org/10.3386/w2661.

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Poterba, James, Steven Venti, and David Wise. Implications of Rising Personal Retirement Saving. Cambridge, MA: National Bureau of Economic Research, March 1999. http://dx.doi.org/10.3386/w6295.

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Poterba, James, Steven Venti, and David Wise. Personal Retirement Saving Programs and Asset Accumulation: Reconciling the Evidence. Cambridge, MA: National Bureau of Economic Research, May 1996. http://dx.doi.org/10.3386/w5599.

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Poterba, James, Steven Venti, and David Wise. Do 401(k) Contributions Crowd Out Other Persoanl Saving? Cambridge, MA: National Bureau of Economic Research, June 1993. http://dx.doi.org/10.3386/w4391.

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Skinner, Jonathan, and Daniel Feenberg. The Impact of the 1986 Tax Reform Act on Personal Saving. Cambridge, MA: National Bureau of Economic Research, February 1990. http://dx.doi.org/10.3386/w3257.

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Feldstein, Martin. Tax Policies For the 1990's: Personal Saving, Business Investment, and Corporate Debt. Cambridge, MA: National Bureau of Economic Research, February 1989. http://dx.doi.org/10.3386/w2837.

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GOVERNORS & SENIOR PERSONNEL - Robert Gibson - Savings Banks - Suggested Amalgamation of all Australian Savings Banks. Reserve Bank of Australia, September 2021. http://dx.doi.org/10.47688/rba_archives_2006/03466.

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GOVERNORS & SENIOR PERSONNEL - Robert Gibson - Western Australian Government Savings Bank - Amalgamation. Reserve Bank of Australia, September 2021. http://dx.doi.org/10.47688/rba_archives_2006/03476.

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