Year In Savings Research Articles

Legal Aspect of Binary Options Broker Platform Related to Operating Permissions From Bappebti and Liability of Company’s Information From Blocked Social Media

It seems that we are bombarded every day with advertisements touting the benefits of investing online through binary options brokers (Binary Options). Pop ups on various social media showing celebrities and their yachts, and driving luxury cars and luxury vacations on their own Tropical Islands. However, due to a lack of information, many have stuck with this risky fantasy, and this has been proven again, investing is not a game, and many people who think they can make a fortune trading online quickly eat up years of savings. This research applied a normative legal study using statutes, conceptual, and case approaches. The legal materials were through document study, i.e., reviewing regulations and concepts relevant to investment law. Data in this research were analyzed qualitatively. The result research shows that many people make promises to the public that online trading can generate large profits as additional income. In practice, it is said through it money will work for us. Even though the risk of loss that can occur is also very large or commonly known as a highrisk high return. Public enthusiasm for transactions in the field of Commodity Futures Trading during the pandemic has increased. For this reason, supervision and observation needs to be tightened to prevent potential losses to the public due to unlicensed offers of advertisements and promotions in the field of Commodity Futures Trading and one of the ways is by imposing restrictions so that the websites of these unlicensed entities cannot be accessed. Entity applications that do not have permission from Bappebti, which are still on the Google Playstore and IOS Appstore, and socialized by various influencers-celebs on social media contain elements of fraud and their legality is questionable.

THE ROLE OF WOMEN IN FOOD SECURITY OF THE BADUY COMMUNITY IN THE ERA OF GLOBALIZATION AND MEDIA CONVERGENCE

Baduy women have a special and honorable position because they are directly related to the concept of Ambu and Nyi Pohaci (the Goddess of Rice) as the goddess of the source of Baduy life. With this identification, the food security of the Baduy family and community is determined by the role of women. The need for agricultural land/fields continues to be urgent, slowly among them in 2010-2012 the Baduy people were able to buy land outside of customary land covering an area of 900 hectares spread over 12 sub-districts designated as agricultural land expansion. Land expansion is needed to meet food availability as well as family economic income which has an impact on increasing welfare. The land is purchased from years of savings from financial management and women's creative industries. This study aims to determine the method/model of the role of Baduy women in food security for families and communities through qualitative research with activity theory and religious communication. The result is that Baduy women continue to use their traditional positions and roles by utilizing customary knowledge and skills which continue to be developed with concessions to the interpretation of customary law and are carried out according to social and economic motives to return to the big motive, namely the religious motive to buy land and carry out functions. worship as a farmer and the concept of Sunda Wiwitan belief.

Decoding the Distribution of House Price & Income Mix Ratio (HPIMR) to Calculate the Proportionate Investments required for Housing Demand based on Affordability in India at the Country Level

Decoding the Distribution of House Price & Income Mix Ratio (HPIMR) to Calculate the Proportionate Investments required for the Housing Demand as per Affordability in India at the Country Level As per my paper published https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3693316 on the House Price to Income Ratio, it was found that about 20 years of savings is required to afford a house especially for the middle to lower income groups. This paper focuses on the investment distribution that are required at the country levels in India to resolve the housing crisis. It is found that in order to resolve the housing crisis in the country, India actually needs to spend a fraction of the overall investment in the housing sector in order to take care of the housing needs of the majority of the population in the country. Only about 17.7% of the overall investments that are done in the housing sector are required to clear the housing needs of 86% of the population of the country.

Effect of postoperative partial bladder filling after minimally invasive hysterectomy on postanesthesia care unit discharge and cost: a single-blinded, randomized controlled trial

Hysterectomy is one of the most common surgical procedures performed each year with substantial related health care costs. This trial studied the effect of postoperative bladder backfilling to submicturition level in the operating room and its effect on early postoperative patient care and related cost. The objective of the study was to compare the effect of bladder backfilling on early postoperative patient care and related cost. This was a randomized, single-blinded, controlled trial conducted between April 2016 and February 2017 at a single urban university hospital providing tertiary care for minimally invasive gynecologic surgery. Ninety-one patients undergoing straight-stick laparoscopic and robot-assisted hysterectomy by minimally invasive gynecologic surgeons for benign indications were recruited. The bladder was partially backfilled with 150 mL of normal saline postoperatively in the intervention group and drained in the control group, as per standard of care. Main outcomes studied were time needed to void, time spent in the postanesthesia care unit, and postanesthesia care unit cost after minimally invasive hysterectomy. Our secondary outcomes were postoperative complications. Forty-six patients (50.5%) were randomized to the intervention group, and 45 patients (49.5%) to the control group. Baseline comparative analysis of demographics and preoperative patient-specific variables, surgical history, intraoperative characteristics, and administered medications found the 2 groups to be largely homogenous. After regression analyses for adjustment, we found a significant reduction in the time needed to void, time spent in the postanesthesia care unit, and postanesthesia care unit-associated cost in the intervention group. Patients voided 64.9 minutes earlier than the control group (P= .015) ans spent 64 fewer minutes in the postanesthesia care unit (P= .006), resulting in $401.5 (USD) saving per patient (P= .006). None of the patients encountered any postoperative complications. Based on the findings of this randomized clinical trial, postoperative bladder backfilling to submicturition level shortens the time needed for patients to void in the postanesthesia care unit, resulting in shorter postanesthesia care unit stay and resultant cost savings. Conservatively projecting our findings on minimally invasive hysterectomy procedure is estimated to result in $69 million to $139 million (USD) per year in savings. Initiating similar investigations in other ambulatory surgical fields will likely result in a more substantial impact.

Realized and Projected Cost Savings from the Introduction of Generic Imatinib, with Minimal Additional Savings to Payers through Formulary Management

INTRODUCTIONThe availability of imatinib, the first generation tyrosine kinase inhibitor (TKI), has dramatically improved survival of patients with Chronic Myelogenous Leukemia (CML). Second generation TKIs have further advanced patient care. Since loss of exclusivity (LOE) and the entry of a generic imatinib in the US in February 2016, US payers have started realizing savings. However, generic prices have taken two years to decline substantially. Previous work had estimated the anticipated impact of the generic imatinib entry for its first two years, and now the actual prices and savings can be calculated. The objective of this research was to quantify the savings from generic substitution of branded imatinib relative to the potential impact of requiring step therapy through generic imatinib before a 2nd generation TKI. METHODSAn Excel-based model representing the TKI pharmacy budget of a hypothetical 1-million member commercial plan and 1-million member Medicare plan was developed from a pharmacy only perspective. Historical market share and wholesale acquisition cost pricing over the period of January 2016 to February 2018 were combined with CML age-adjusted US epidemiology data to calculate the monthly spend on TKIs over the same period. Logarithmic regression models were fitted to historical market share data in order to project future utilization of branded TKIs and generic imatinib up to 5 years after LOE. Future drug pricing was assumed to remain constant over the forecasted period. It was assumed that a health plan would not mandate changes in choice of TKI among patients with ongoing TKI treatment. Savings were calculated by comparing the costs of TKIs with generic imatinib to a scenario where generic imatinib was not available. The potential impact of implementing formulary restriction in the TKI class in the next 3 years was explored by applying a step edit to require a trial of generic imatinib before 2nd generation TKIs for incident patients with CML who are new to TKI therapy. Analyses were repeated for the entire commercially and Medicare-covered population in the US based on National Census data RESULTSIt was estimated that a 1-million member commercial plan saved $0.5M (3%) in the first year and $3.8M (19%) in the second year after LOE. Projected savings significantly increase to $7.8M (37%), $8.2M (39%), and $8.6M (40%) in the 3rd, 4th, and 5th year after LOE, respectively. Initiating a step edit for newly treated CML patients in the commercial plan setting was associated with a very small incremental savings of 1.5% annually over the next 3 years.It was estimated that a 1-million member Medicare plan saved $1.7M (3%) and $14M (19%) in the first and second year, respectively. Projected savings in a Medicare plan were $27.8M (37%), $29.4M (39%), and $30.7M (40%), and a step edit for newly treated CML patients gained an additional 1.2% per year in savings over the next 3 years in a Medicare health plan population.In the first two years, the introduction of generic imatinib saved US payers $1.5B, 7% of the total spend on this drug class. In the next 3 years, the estimated savings are expected to grow to 22% and result in cumulative savings of $8.3B with no management of the class at all. Nearly all of potential savings from the class, 93%, are estimated to come from the generic imatinib conversion from brand with no management required. CONCLUSIONSLow generic imatinib price is estimated to result in substantial cost savings to US payers over the next 3 years independent of any formulary management strategies. Formulary management restricting access to 2nd generation TKIs may result in minimal additional savings that are unlikely to reach a threshold of value worthy of action by the health plan. [Display omitted] DisclosuresBloudek:Xcenda: Employment. Brokars:Bristol-Myers Squibb: Employment. David:Xcenda: Employment. Makenbaeva:Bristol-Myers Squibb: Employment.

Forbidden Fruit

Stanley Gazemba. Forbidden Fruit. New York. The Mantle. 2017. 280 pages. Winner of the Jomo Kenyatta Prize for Literature, this deceptively simple and straightforward novel of day-to-day life in the small village of Ivona in western Kenya draws the reader into a network of family, friendship, and work relationships to explore its central character, the farm laborer Ombima. Its slow-paced narrative reflects the villagers’ experience of time and mirrors their thought processes as they move from the physical labor of tilling Mzee Andimi’s vegetable, fruit, and tea plantation to the emotional toll of family crises. Gazemba evokes a magical connection between the inhabitants and their physical environment. Nature determines the movement of the seasons and the quality of the harvest. “Hundreds of fireflies trafficked in the open yard. They went in unfixed circles that blurred and shifted, as if the flies were drunk with the warmth of the languid night.” The poverty of the villagers defines their struggle to exist. Andimi’s wealth, which extends beyond land-owning to many hotels and businesses, contrasts sharply with the simplicity of life inside the thatched huts of his workers. The point of view shifts but stays within this small set of villagers. The language of the novel moves flexibly from lyrical evocations of starry nights to intimate discussions between husbands and wives, friends and enemies. The novel directly voices their sorrows, dreams, and fears. A trip to a fair in Kakamenga costs Ombima a year of savings. This close focus always opens larger questions of ethical boundaries and the dangers of transgressing. Gazemba’s realism moves from his knowledge of the land to his understanding of the issues of social justice in every setting. Whether illustrating the backbreaking and meagerly compensated labor of the women and men, the lack of health care that results in early mortality, or the grinding shortfall between what the head of a family like Ombima wants and what he can earn, Gazemba makes clear both the lure and the consequence of forbidden acts. Elizabeth Fifer Center Valley, Pennsylvania Elvira Navarro. A Working Woman. Trans. Christina MacSweeney. San Francisco. Two Lines Press. 2017. 256 pages. Elvira Navarro’s latest novel hinges largely on two questions: How do we know we’re being told the truth, and how does that lack of certainty influence the way we interpret information presented to us? In this thin and seemingly slow-paced work, The Golden Shovel Anthology: New Poems Honoring Gwendolyn Brooks Ed. Peter Kahn, Ravi Shankar & Patricia Smith University of Arkansas Press Employing a new poetic form created by Terrance Hayes, the editors of this volume have assembled nearly four hundred poets with as many poems in memory of Gwendolyn Brooks and her contribution to American poetry. Most of these poems succeed as fresh creations, while others remain products of clever linguistic games or classroom prompts. Nazli Eray The Black Rose of Halfeti Trans. Robert Finn Center for Middle Eastern Studies, UT Austin Bouncing between three cities in Turkey, The Black Rose of Halfeti is the story of a woman searching to understand the life of the elderly doctor combating the beginnings of dementia who has just professed his love to her. Treading the line between the real and the imagined, Nazli Eray’s grasp of magical realism paints her country in a way that brings readers face to face with the reality of their own mortality. Nota Bene WORLDLIT.ORG 77 ...

A Working Woman by Christina MacSweeney

Stanley Gazemba. Forbidden Fruit. New York. The Mantle. 2017. 280 pages. Winner of the Jomo Kenyatta Prize for Literature, this deceptively simple and straightforward novel of day-to-day life in the small village of Ivona in western Kenya draws the reader into a network of family, friendship, and work relationships to explore its central character, the farm laborer Ombima. Its slow-paced narrative reflects the villagers’ experience of time and mirrors their thought processes as they move from the physical labor of tilling Mzee Andimi’s vegetable, fruit, and tea plantation to the emotional toll of family crises. Gazemba evokes a magical connection between the inhabitants and their physical environment. Nature determines the movement of the seasons and the quality of the harvest. “Hundreds of fireflies trafficked in the open yard. They went in unfixed circles that blurred and shifted, as if the flies were drunk with the warmth of the languid night.” The poverty of the villagers defines their struggle to exist. Andimi’s wealth, which extends beyond land-owning to many hotels and businesses, contrasts sharply with the simplicity of life inside the thatched huts of his workers. The point of view shifts but stays within this small set of villagers. The language of the novel moves flexibly from lyrical evocations of starry nights to intimate discussions between husbands and wives, friends and enemies. The novel directly voices their sorrows, dreams, and fears. A trip to a fair in Kakamenga costs Ombima a year of savings. This close focus always opens larger questions of ethical boundaries and the dangers of transgressing. Gazemba’s realism moves from his knowledge of the land to his understanding of the issues of social justice in every setting. Whether illustrating the backbreaking and meagerly compensated labor of the women and men, the lack of health care that results in early mortality, or the grinding shortfall between what the head of a family like Ombima wants and what he can earn, Gazemba makes clear both the lure and the consequence of forbidden acts. Elizabeth Fifer Center Valley, Pennsylvania Elvira Navarro. A Working Woman. Trans. Christina MacSweeney. San Francisco. Two Lines Press. 2017. 256 pages. Elvira Navarro’s latest novel hinges largely on two questions: How do we know we’re being told the truth, and how does that lack of certainty influence the way we interpret information presented to us? In this thin and seemingly slow-paced work, The Golden Shovel Anthology: New Poems Honoring Gwendolyn Brooks Ed. Peter Kahn, Ravi Shankar & Patricia Smith University of Arkansas Press Employing a new poetic form created by Terrance Hayes, the editors of this volume have assembled nearly four hundred poets with as many poems in memory of Gwendolyn Brooks and her contribution to American poetry. Most of these poems succeed as fresh creations, while others remain products of clever linguistic games or classroom prompts. Nazli Eray The Black Rose of Halfeti Trans. Robert Finn Center for Middle Eastern Studies, UT Austin Bouncing between three cities in Turkey, The Black Rose of Halfeti is the story of a woman searching to understand the life of the elderly doctor combating the beginnings of dementia who has just professed his love to her. Treading the line between the real and the imagined, Nazli Eray’s grasp of magical realism paints her country in a way that brings readers face to face with the reality of their own mortality. Nota Bene WORLDLIT.ORG 77 she picks apart our understanding of reality and reliability, challenging assumptions of the truth while examining the nature of friendship and life in urban spaces. Elena is a young and educated publishing professional who finds herself struggling financially after being downgraded from a contract employee to an independent worker. Struggling to make ends meet, she takes in a roommate named Susana, who has just returned to Madrid after years of living abroad. The two women get off to a rocky start, with Susana’s quirks and elusive behavior underscoring Elena’s sense of isolation. Eventually the two reach a level of intimacy by nature of their proximity , a growing domestic warmth that is juxtaposed against Elena’s frequent observations of the changing city around her...

The Reduction of Implant-Related Errors and Waste in Total Knee Arthroplasty Using a Novel, Computer Based, e.Label and Compatibility System

Implant related errors and wasted arthroplasty implants represent a significant problem in the healthcare system. Studies estimate that an implant is wasted in two to five percent of total joint replacement procedures. After the introduction of a standardized time-out procedure, our institution still had a wasted implant in one out of every 20 arthroplasty surgeries. We then implemented a computer based, e.Label and compatibility system which standardized the implant labeling, confirmed correct size and side, and ensured compatibility within implant systems. Use of this system decreased wasted implants from 5.7% to 0.8% of total knee arthroplasty cases. This translated to an annualized cost savings of over $75,000 over our study period which could extrapolate to over $82 million per year in savings to the US healthcare system.

Two hundred years of savings banks: The wheel turns full circle

The last 10 years have seen a strong revival of interest in expanding the provision of savings services for the poor. In the 19th century, savings banks were a vital component in the extension of financial services to poor women and men in Western Europe and elsewhere. This paper explores some features of the 19th-century development of savings banks in the United Kingdom, France and Germany that throw interesting light on current preoccupations in this area, including: how institutions learn from and adapt the mechanisms developed by poor people themselves; the implications of the range of motivations that characterize the promoters of savings institutions; the use of technology to reach the poor; and the role of the state and its regulations.

Material Flow Optimization in By-product Synergy Networks

By-product synergy (BPS) is an industrial ecology practice that involves utilization of industrial by-products as feedstocks for other industrial processes. A novel decision support tool is developed to analyze BPS networks that involve material processing and transport among regional clusters of companies. Mathematical programming techniques are used to determine the optimal network design and the material flows that minimize total cost or environmental impacts. This methodology is incorporated into a graphical software package called Eco-Flow™. The tool has been applied to model and analyze available synergies in an existing BPS network centered in Kansas City, Missouri. A base case, which assumes no synergies, is compared with the optimal BPS solution found by Eco-Flow™. The results for Kansas City suggest that when companies in the network cooperate to optimize the system profitability, up to $15 million per year of savings are possible. The findings also indicate that the BPS approach would result in 29% reduction in total cost, 25.8% reduction in average company cost, 30% reduction in carbon dioxide (CO2) emissions, and 37% reduction in waste to landfill. The modeling approach is being extended to better represent the dynamics of industrial and ecological processes.

Using DMAIC Six Sigma to systematically improve shopfloor production quality and costs

PurposeThis study sets out to highlight how a leading manufacturer of tooling, with its continuous improvement drive, has leveraged DMAIC Six Sigma potential to realize cost savings and improved quality on their shopfloor. The study examines one of the shopfloor chronic quality issues which deals with finding a way to reduce the amount of warp incurred in Amada A‐Station punches during the heat‐treat process.Design/methodology//approachThe goals of this specific study were achieved by utilizing Six Sigma tools such as “brainstorming, process mapping, fish‐bone diagrams, histograms, and control charts”.FindingsThe analysis resulted in a number of findings and recommendations. A major contributor to the warp was the method used to fix the parts. It was found that, by using a new fixture to hang the parts, the amount of warp could be greatly reduced. The major recommendation was that the new heat‐treat fixture design be implemented as soon as a reliable fixture design has been proven. The value of implementing this new fixture design equates to roughly $10,000 per year in savings, which is due to the elimination of a secondary grinding operation and elimination of scrap parts. The company expects millions of dollars in annual savings as DMAIC Six Sigma process is rolled out to areas on the shopfloor.Originality/valueThe case study shows DMAIC Six Sigma process is an effective and novel approach for the machining and fabrication industries to improve the quality of their processes and products and profitability through driving down manufacturing costs.

Teaching Residents Systems-Based Practice Througha Hospital Cost-Reduction Program: A "Win–Win" Situation

Background: The Accreditation Council for Graduate Medical Education (ACGME) Outcome Project challenges residency programs to teach and evaluate competence in 6 domains, including systems-based practice (SBP). One element of SBP is to "practice cost-effective health care … that does not compromise quality." Institutional cost-reduction efforts included targeting laboratory fees by using point-of-care testing with an iSTAT® machine rather than in the central laboratory. Predicted cost savings were $50,000 per month. Because residents are primary users of laboratory resources, the authors engaged them in the process and implementation of system redesign.Description: The residents identified barriers to use of the iSTAT® and solutions to overcome those barriers.Evaluation: As a result of resident solutions, use of the iSTAT(r) went from 40% of potential iSTAT® tests being ordered on the iSTAT® to 98%, with an estimated $549,780 per year in savings to the hospital.Conclusion: Involving residents in hospital cost-reduction efforts allows both teaching and evaluation of competence in SBP while realizing significant cost savings.

A new generation scheduling program at Ontario Hydro

The new daily generation scheduling model for the Ontario Hydro system is presented. The model is capable of considering the thermal and hydraulic systems together with system reserve requirement and transmission losses. The hydraulic system is considered in a detailed formulation that can handle river couplings in a complete manner. Inability to do this was a major weakness in the peak shaving technique used since early 1970s. A special network programming technique has been used to solve the problem. This method has proved to be very efficient from a computational point of view. Test results from application of the new technique are presented and compared to the peak shaving method. The user has estimated 1.4 million dollars per year of savings from the new computer package. >