A Survey of Housing Equity Withdrawal and Injection in Australia

Over the past decade or so, aggregate data suggest a trend increase in housing equity withdrawal in Australia, potentially stimulating household spending. However, there has been little disaggregated information on how equity is being withdrawn and injected, the characteristics of households altering housing equity, and how funds from withdrawn equity are being used. This paper uses a survey of 4 500 households commissioned by the Reserve Bank of Australia (RBA) to address these questions. The results suggest that, during 2004, the most common method of withdrawing equity was for a household to increase the level of debt secured against a property they already owned. In contrast, most of the value of equity withdrawn was associated with property transactions, with the typical property transaction resulting in a net equity withdrawal. Turnover in the property market is therefore likely to be an important driver of cycles in aggregate housing equity withdrawal. Bivariate and logit analysis suggests a significant life-cycle influence, with the bulk of equity withdrawal being undertaken by older households, while younger households typically inject, primarily through mortgage repayments or deposits for property purchase. Finally, the results suggest that the bulk of the value of withdrawn equity was used to increase non-housing assets, although a significant proportion of households used the funds for consumption expenditure.housing equity withdrawal; housing turnover; household debt

The always best positioned paradigm for mobile indoor applications

In this dissertation, methods for personal positioning in outdoor and indoor environments are investigated. The Always Best Positioned paradigm, which has the goal of providing a preferably consistent self-positioning, will be defined. Furthermore, the localization toolkit LOCATO will be presented, which allows to easily realize positioning systems that follow the paradigm. New algorithms were developed, which particularly address the robustness of positioning systems with respect to the Always Best Positioned paradigm. With the help of this toolkit, three example positioning-systems were implemented, each designed for different applications and requirements: a low-cost system, which can be used in conjunction with user-adaptive public displays, a so-called opportunistic system, which enables positioning with room-level accuracy in any building that provides a WiFi infrastructure, and a high-accuracy system for instrumented environments, which works with active RFID tags and infrared beacons. Furthermore, a new and unique evaluation-method for positioning systems is presented, which uses step-accurate natural walking-traces as ground truth. Finally, six location based services will be presented, which were realized either with the tools provided by LOCATO or with one of the example positioning-systems.In dieser Doktorarbeit werden Methoden zur Personenpositionierung im Innen- und Außenbereich von Gebäuden untersucht. Es wird das ,,Always Best Positioned” Paradigma definiert, welches eine möglichst lückenlose Selbstpositionierung zum Ziel hat. Weiterhin wird die Lokalisierungsplattform LOCATO vorgestellt, welche eine einfache Umsetzung von Positionierungssystemen ermöglicht. Hierzu wurden neue Algorithmen entwickelt, welche gezielt die Robustheit von Positionierungssystemen unter Berücksichtigung des ,,Always Best Positioned” Paradigmas angehen. Mit Hilfe dieser Plattform wurden drei Beispiel Positionierungssysteme entwickelt, welche unterschiedliche Einsatzgebiete berücksichtigen: Ein kostengünstiges System, das im Zusammenhang mit benutzeradaptiven öffentlichen Bildschirmen benutzt werden kann; ein sogenanntes opportunistisches Positionierungssystem, welches eine raumgenaue Positionierung in allen Gebäuden mit WLAN-Infrastruktur ermöglicht, sowie ein metergenaues Positionierungssystem, welches mit Hilfe einer Instrumentierung aus aktiven RFID-Tags und Infrarot-Baken arbeitet. Weiterhin wird erstmalig eine Positionierungsevaluation vorgestellt, welche schrittgenaue, natürliche Bewegungspfade als Referenzsystem einsetzt. Im Abschluss werden 6 lokationsbasierte Dienste vorgestellt, welche entweder mit Hilfe von LOCATO oder mit Hilfe einer der drei Beispiel-Positionierungssysteme entwickelt wurden

Discrete Charge Dielectric Model of Electrostatic Energy

Studies on nanoscale materials merit careful development of an electrostatics model concerning discrete point charges within dielectrics. The discrete charge dielectric model treats three unique interaction types derived from an external source: Coulomb repulsion among point charges, direct polarization between point charges and their associated surface charge elements, and indirect polarization between point charges and surface charge elements formed by other point charges. The model yields the potential energy, U(N), stored in a general $N$ point charge system differing from conventional integral formulations, $1/2\int{\bm E}\cdot{\bm D}dV$ and $1/2\int\rho\Phi dV$, in a manner significant to the treatment of few electron systems.Comment: 1 figure, 2 parts, ep

The role of values in collaborative consumption: insights from a product-service system for lending and borrowing in the UK

Collaborative consumption is an emerging socio-economic model based on sharing, renting, gifting, bartering, swapping, lending and borrowing. Made possible through community interaction and, increasingly, use of network technologies, these alternative and more sustainable ways of consuming have attracted growing attention for their potential to prevent new purchases, intensify the use of idle assets and promote reuse of possessions that are no longer wanted. Nonetheless, the uptake of Product- Service Systems (PSSs) that enable collaborative consumption is still very limited. This paper investigates how consumers' values can influence the acceptance, adoption and diffusion of collaborative consumption. It reviews two theoretical frameworks used to understand pro-environmental behaviour, social psychological models of behaviour and social practice theory. Coming from contrasting disciplinary perspectives, these approaches conceptualise values differently. The paper evaluates the possibility of resolving these differences through a mixed methods study. It examines values empirically through a case study of Ecomodo, a UK-based online marketplace where people can lend and borrow each other's objects, spaces and skills, and present the results of a quantitative study which identified and measured value priorities among Ecomodo users through Schwartz's Portrait Value Questionnaire. It concludes with a discussion of the role of values in relation to the introduction and scaling up of PSSs that enable collaborative consumption

A multicenter prospective study of patients undergoing open ventral hernia repair with intraperitoneal positioning using the monofilament polyester composite ventral patch : interim results of the PANACEA study

This study assessed the recurrence rate and other safety and efficacy parameters following ventral hernia repair with a polyester composite prosthesis (Parietex™ Composite Ventral Patch [PCO-VP])

On the Use of YouTube, Digital Games, Argument Maps, and Digital Feedback in Teaching Philosophy

We give an overview of the methodological possibilities of some important digital tools for teaching philosophy. Several didactically applicable methods have evolved in digital culture, including their implicit methodologies, theories about how these methods may be used. These methodologies are already applied by philosophers today and have their benefits and justifications in philosophy classes as well. They can help to solve known problems of philosophy education. We discuss problems of incomprehensibility and their possible solutions through digital explanations in pod- and videocasts such as YouTube; problems of interaction, motivation, and immersion that digital games and gamification may solve; problems of the complexity of philosophical content and digital concept- and argument-maps to deal with these; problems of implicitness and the possibility to make implicit things in philosophy class explicit through indirect feedback tools

The GlueX DIRC Project

The GlueX experiment was designed to search for and study the pattern of gluonic excitations in the meson spectrum produced through photoproduction reactions at a new tagged photon beam facility in Hall D at Jefferson Laboratory. The particle identification capabilities of the GlueX experiment will be enhanced by constructing a DIRC (Detection of Internally Reflected Cherenkov light) detector, utilizing components of the decommissioned BaBar DIRC. The DIRC will allow systematic studies of kaon final states that are essential for inferring the quark flavor content of both hybrid and conventional mesons. The design for the GlueX DIRC is presented, including the new expansion volumes that are currently under development.Comment: 8 pages, 6 figure

Buried shallow fault slip from the South Napa earthquake revealed by near-field geodesy.

Earthquake-related fault slip in the upper hundreds of meters of Earths surface has remained largely unstudied because of challenges measuring deformation in the near field of a fault rupture. We analyze centimeter-scale accuracy mobile laser scanning (MLS) data of deformed vine rows within ±300 m of the principal surface expression of the M (magnitude) 6.0 2014 South Napa earthquake. Rather than assuming surface displacement equivalence to fault slip, we invert the near-field data with a model that allows for, but does not require, the fault to be buried below the surface. The inversion maps the position on a preexisting fault plane of a slip front that terminates ~3 to 25 m below the surface coseismically and within a few hours postseismically. The lack of surface-breaching fault slip is verified by two trenches. We estimate near-surface slip ranging from ~0.5 to 1.25 m. Surface displacement can underestimate fault slip by as much as 30%. This implies that similar biases could be present in short-term geologic slip rates used in seismic hazard analyses. Along strike and downdip, we find deficits in slip: The along-strike deficit is erased after ~1 month by afterslip. We find no evidence of off-fault deformation and conclude that the downdip shallow slip deficit for this event is likely an artifact. As near-field geodetic data rapidly proliferate and will become commonplace, we suggest that analyses of near-surface fault rupture should also use more sophisticated mechanical models and subsurface geomechanical tests