Search results for "savings"

Interest rate gaps in an uncertain global context: why "too" low (high) for "so" long?

2022

We study the behaviour of real interest rate gaps-i.e. periods of real interest rates above (below) the natural interest rate-and link their length with a set of key observable determinants. Using quarterly data for 13 OECD countries over (close to) the last 60 years, we find that global risk-taking, CPI inflation, (un)conventional monetary policy, and income redistribution crucially shape the duration of both events. However, while labour-related supply-side factors appear to affect the length of positive interest rate gaps, the adoption of an inflation targeting regime and the current account balance seem to explain the duration of negative interest rate gaps. Our results suggest that the…

Tax benefits for the energy requalification of Italian real estate assets

2020

The need for energy-efficient buildings has emerged since the onset of the first energy crises in the 1970s. It's in this decade that the concepts of sustainable development and energy saving have been introduced in the construction sector. Currently, the greatest energy saving potential for buildings does not lie in new buildings, but in the energy redevelopment of existing buildings. In order to promote interventions for building restoration, which are often costly and not economically convenient, Italian legislation has made a series of economic incentives available to the sector. This work reviews the main incentive systems for the energy requalification of buildings.

Comparison of different revenue models in SaaS

2012

Cloud computing brings new possibilities for software firms to sell their products within a Software-as-a-Service (SaaS) model. However, although SaaS provides new revenue models, it may not easily achieve a profitable revenue stream. For customers, SaaS promises cost savings related to IT expenses. However, it may be difficult to estimate which revenue model will be best for a given situation. In this paper I present the common revenue models used in SaaS, examining their advantages and disadvantages from the point of view of the software provider and the customer. Keywords-Revenue models, SaaS, Cloud computing, Business in cloud

Studies on high speed uplink packet access performance enhancements

2014

PEM FC Single Cell Based on a 3-D Printed Plastic Housing and Experimental Validation with the Mathematical Model

2018

Abstract This paper presents the design, modelling, and testing of a PEM single fuel cell based on the use of 3D printing. The design of the housings was made of SolidWorks, while MATLAB/SIMULINK were used to model performance. The fabricated cell performed satisfactorily with no leaks of gas, showing that the 3D printing method can be used in the additive manufacturing of fuel cells thus leading to significant cost savings.

TCH-039 Six Sigma in Healthcare: An Application in the Monitoring of Albumin

2013

Background The high off-label use of albumin persuaded the pharmacy to introduce a request form that uses the internationals guidelines to assess whether the use of albumin is appropriate. This has resulted in a clear reduction in the costs. Purpose To monitor the wards using six sigma methodology (a statistical concept that measures a process in terms of defects); to ensure that all procedures have been followed correctly. Materials and Methods 696 forms for albumin prescriptions coming from 26 wards (August to December 2011) were analysed using Minitab software, which cheques the frequency of the best correct requests (type 1), partially correct requests (type 2) and incorrect requests (t…

La caída de las cajas de ahorros españolas. Cuestión de rentabilidad, tamaño y estructura de propiedad=The Fall of Spanish Savings Banks. Question of…

2012

En España entre 2010 y 2011 se ha producido una gran restructuración financiera, que ha llevado a la práctica desa-parición de las Cajas de Ahorros mediante fusiones y posterior cambio de estructura de la propiedad convirtiéndose en bancos. Esta gran restructuración ha sido promovida por el Banco de España, como salida para que las entidades financieras subsistieran a la crisis que les afectaba. Este trabajo analiza los bancos y cajas del sistema financiero español durante los cuatro años previos al comienzo de la reestructuración financiera del 2010. El objetivo es comprobar si existen diferencias en cuanto a rentabilidad por causas de tamaño y tipo de gobierno de la entidad (cajas de ahor…

Comparison Between Conventional and Vegetated Roof by Means of a Dynamic Simulation

2015

In this paper, a dynamic simulation of a building located in the Campus University of Palermo, Italy, has been carried out. We considered two different scenarios; in the first one, the building as it is, with a conventional covering, while in the second one the roof was equipped with a green roof. The results of the two simulations have been compared, suggesting that such building component could contribute to the energy savings of the building. However, it has to be considered as part of other possible actions devoted to improve the energy efficiency of the whole building. (C) 2015 The Authors. Published by Elsevier Ltd. This is an open access article under the CC-BY-NC-ND license (http://…

Uwarunkowania III filara systemu emerytalnego w województwie opolskim

2018

Research Background: Unfavorable demographic changes and pessimistic forecasts referring to the compulsory part of Polish pension system effectiveness causes that additional saving for the old age is necessary. It signifies the growth of pillar 3 importance as a voluntary part of the pension system. This paper focuses on the analysis of pillar 3 conditions in Opole province. Opole province is a specific region with high level of earning migration (Germany, the Netherlands) what is mirrored in significant imbalance between Main Statistic Office reports and financial sector reports referring to the financial condition of Opole province population. Purpose of the paper: Presentation of conditi…

Developing and testing a discrete event simulation model to evaluate budget impacts of diabetes prevention programs

2020

Type 2 diabetes (T2D) is one of the most rapidly increasing non-communicable diseases worldwide. Lifestyle interventions are effective in preventing T2D but also resource intensive. This study evaluated with discrete event simulation (DES) the relative budget impacts of three hypothetical diabetes prevention programs (DPP), including group-based contact intervention, digital program with human coaching and fully automated program. The data for simulation were derived from research literature and national health and population statistics. The model was constructed using the iGrafx Process for Six Sigma software and simulations were carried out for 10 years. All simulated interventions produc…