378,494 research outputs found

    Financial Fitness Education for Potential Homebuyers: A Start-Up Guide for NeighborWorks Organizations

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    Financial fitness education is a critical piece of community development, given today's socioeconomic climate consisting of the deregulation of government institutions and the increasing complexity of financial services. These changes are occurring when personal savings are low and bankruptcy rates are high, with 1.35 million filings in 1997.[1] Twelve million households, one-half of which receive public assistance, do not have bank accounts.[2] Subsequently, in an ever more difficult financial system through which to navigate, there remains a significant number of novice consumers, who would benefit greatly from financial fitness education.The financial system is not only complex but also laden with institutional barriers and potential pitfalls. Over the years, access to legitimate financial institutions and credit in low-income neighborhoods has become increasingly limited, whereby local bank branches have been replaced by expensive fringe banking outlets, such as check-cashing stores, payday loan outlets and pawnshops.Moreover, some residents face cultural or language barriers that prevent them from fully accessing appropriate financial services. Other dangers include consumer scams and schemes, as well as predatory lending practices -- high-cost loans targeted to people who cannot afford to repay them. Financial fitness education can help families become more aware of common pitfalls and thus avoid them while helping them to learn the financial management and planning skills needed to make the most of their income, savings and assets. Such education is vital for low- and moderate-income families who are fulfilling basic needs currently but are precariously positioned to overestimate the reach of their income, with little or no savings as a cushion.Recent changes in the national economy and public policy have led to a rise in the number of organizations developing and delivering financial fitness education. Approximately 20 formal curricula are in circulation around the country, being used by Cooperative Extension and education organizations; government agencies; consumer, nonprofit and community organizations; as well as private financial institutions and credit agencies. These organizations often share the objective of helping people to choose and use financial services successfully.Developing an effective financial fitness education program that will help local constituents move beyond fulfilling basic needs to accumulating savings -- and even assets -- while avoiding all of the perils along the way requires careful planning. Since each community has a unique target population, goals and resources, there cannot be a "one size fits all" program. Rather, an organization needs to develop a program that matches its goals along with the needs of the target population. This start-up guide is designed to help NeighborWorks organizations analyze the local need and their internal capacity for developing a financial fitness education program to increase consumers' money management skills, and in turn, to enable previously underserved markets to attain homeownership

    Balancing operating revenues and occupied refurbishment costs 1: problems of defining project success factors and selecting site planning methods

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    In planning the refurbishment of railway stations the spatial needs of the contractor and of the ongoing business stakeholders have to be balanced. A particular concern is the disruptive effect of construction works upon pedestrian movement. RaCMIT (Refurbishment and Customer Movement Integration Tool) was a research project aimed at addressing this problem. The objective of the research was to develop a decision protocol facilitating optimisation of overall project value to the client's business. This paper (the first of two) presents a framework for considering public disruption in occupied refurbishment using two case studies in large railway stations as examples. It briefly describes new tools which (combined with existing techniques) assist decision making in the management of disruption. It links strategic with sitebased decision making and suggests how public disruption may be treated as a variable to be jointly optimised along with traditional criteria such as time, cost and quality. Research observations as well as current literature suggest that for overall decision-making, opportunities may be lost (under current practice) for minimising joint project cost/revenue disruption, and, for spatio-temporal site decision-making, effective and efficient tools now exist to model both sides of the construction site boundary

    Sustainable Strategic Urban Planning: Methodology for Urban Renovation At District Level

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    Sustainable urban renovation is characterized by multiple factors (e.g. technical, socio-economic, environmental and ethical perspectives), different spatial scales and a number of administrative structures that should address the evaluation of alternative scenarios or solutions. This defines a complex decision problem that includes different stakeholders where several aspects need to be considered simultaneously. In spite of the knowledge and experiences during the recent years, there is a need of methods that lead the decision-making processes. In response, a methodology based on the global idea and implications of working towards a more sustainable and energy efficient cities as a holistic procedure for urban renovation at district level is proposed in the European Smart City project CITyFiED. The methodology has the energy efficiency as main pillar and the local authorities as client. It is composed of seven phases that ensures an effective dialogue among all the stakeholders, aiming to understand the objectives and needs of the city to define a set of Strategies for Sustainable Urban Renovation and their integration within the Strategic Urban Planning of the cities.This project has received funding from the European Union’s Seventh Programme for research, technological development and demonstration under grant agreement N° 609129. The authors would like to thank the rest of the partners of the CITyFiED project for their help and support

    Applications of lean thinking: a briefing document

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    This report has been put together by the Health and Care Infrastructure Research and Innovation Centre (HaCIRIC) at the University of Salford for the Department of Health. The need for the report grew out of two main simple questions, o Is Lean applicable in sectors other than manufacturing? o Can the service delivery sector learn from the success of lean in manufacturing and realise the benefits of its implementation?The aim of the report is to list together examples of lean thinking as it is evidenced in the public and private service sector. Following a review of various sources a catalogue of evidence is put together in an organised manner which demonstrates that Lean principles and techniques, when applied rigorously and throughout an entire organization/unit, they can have a positive impact on productivity, cost, quality, and timely delivery of services

    Financial Coaching: A New Approach for Asset Building?

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    Through a literature review and interviews with nonprofit financial coaches, examines the concepts, training, and capacity building involved in financial coaching for low-income families, as well as critiques of existing models and their implications

    Supplementary skills guides for built environment researchers

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    Deepening specialised knowledge-base and wider skills of researchers in a wider variety of disciplines are prerequisite for developing successful leadership in higher education, the public sector and industry. In response to this repeated calls for enhancing supplementary skills of the built environment researchers, TG53 (Postgraduate Research Training in Building and Construction) initiated steps to develop and nurture understanding of supplementary skills and providing a common frame of reference for use and further discourse and has developed 6 good practice examples highlighting skills for researchers within the built environment. Accordingly, this TG53 publication is in response to the repeated calls for enhancing supplementary skills of the built environment researchers

    Land Use Planning for Solar Energy: Resource Guide

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    This document was created to help New York State localities develop and adopt solar friendly policies and plans. It begins by presenting the local government’s role in land use planning and regulation and introduces common characteristics of “solar friendly” communities. The resource then describes how municipalities should begin a solar energy initiative through an official policy statement that provides support for solar energy and that authorizes a task force to shepherd the process, appropriate studies, training programs for staff and board members, inter-municipal partnerships, and outside funding sources. Next, the document explains how municipalities should engage the entire community in the solar energy initiative process to ensure support for the initiative and its implementation. Finally, the resource presents local planning best practices that communities can incorporate into their comprehensive plans, subarea plans, or other plans. Throughout, this document provides helpful resources and examples that communities can use to develop effective solar energy policies and plans

    A Survey on Usage and Diffusion of Project Risk Management Techniques and Software Tools in the Construction Industry

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    The area of Project Risk Management (PRM) has been extensively researched, and the utilization of various tools and techniques for managing risk in several industries has been sufficiently reported. Formal and systematic PRM practices have been made available for the construction industry. Based on such body of knowledge, this paper tries to find out the global picture of PRM practices and approaches with the help of a survey to look into the usage of PRM techniques and diffusion of software tools, their level of maturity, and their usefulness in the construction sector. Results show that, despite existing techniques and tools, their usage is limited: software tools are used only by a minority of respondents and their cost is one of the largest hurdles in adoption. Finally, the paper provides some important guidelines for future research regarding quantitative risk analysis techniques and suggestions for PRM software tools development and improvemen
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