S394 Presentation to NC Senate Finance Committee 4/3/2013PublicFinanceTV
Senate Bill 394 proposes lowering tax rates in North Carolina to make the tax system more competitive, simpler, and fairer. It aims to lower major tax rates like personal income, corporate, and sales taxes while keeping the plan revenue-neutral. The current tax system relies too heavily on volatile sources like corporate income tax and the non-withholding portion of personal income tax. The sales tax base has also been shrinking as a percentage of the overall economy.
Alan Garber: The quest for efficiency in the English NHSNuffield Trust
1) The document discusses competition, integration, and incentives in healthcare systems, comparing approaches in the United States and United Kingdom health reforms.
2) It notes both nations are changing payment mechanisms to give providers more financial responsibility and measure/reward quality, though acceptance of changes is key.
3) The reforms in both countries will provide new information, as there are many unknowns about how to organize and pay for care effectively. Competition can create useful variation to learn from.
This document discusses tobacco cessation and worksite wellness. It provides statistics showing that 10% of healthcare costs in Massachusetts are due to smoking, and over 8,000 people die prematurely each year from smoking-related illnesses. The document recommends that employers implement comprehensive tobacco control approaches including tobacco-free policies, insurance benefits that cover cessation treatment, and workplace cessation programs. These approaches have been shown to increase quit rates by 12-38% and reduce healthcare costs for employers.
The document summarizes TriMet's projected budget shortfalls and need to reduce service levels due to rising costs and stagnant revenues. It shows growing deficits from $19 million in 2017 to $200 million by 2030 if nothing changes. Without action, service cuts of 34% by 2020 and 70% by 2025 would be required. Healthcare costs are a major driver, increasing from 12% to an unsustainable 28% of payroll tax revenues, and projected to exceed 42% within five years. The current offer aims to delay cuts by reducing these cost increases.
Eletropaulo reported a loss of R$ 324.1 million in 3Q05 compared to a net income of R$ 136.8 million in 2Q05. Key factors included a tariff adjustment of 2.12% effective July 4, 2005, the issuance of R$ 800 million in debentures in September, and a significant increase in operating expenses including a R$ 346.4 million provision for doubtful debts. While revenues declined, expenses rose due to higher personnel costs, increased tariff quotas, and the amortization of regulatory assets, leading to a large quarterly loss despite an adjusted EBITDA of R$ 400.3 million.
For a few weeks now, the Washington Post has posted a gallery of charts to help explain what is meant by the ‘Fiscal Cliff’ (http://goo.gl/V46U6). Although the 7 charts are a collection of simple bar charts, from a data visualization perspective they leave a lot to be desired. In this slide deck, I've redesigned all 7 charts.
The document provides an overview of India's large population and growing economy. Some key points:
- India has a population of over 1.21 billion people, with over 60% under age 35 and urban population contributing 60% of GDP.
- Household income is increasing significantly across income brackets, fueling more discretionary spending.
- Many sectors like FMCG, retail, healthcare and hospitality are experiencing strong growth of 6-15% annually.
- Television is a major advertising medium due to its large reach, though distribution challenges remain due to a fragmented market of over 50,000 cable operators.
- The document introduces Prime Connect as an independent distribution platform that aims to organize channel distribution through various digital platforms
The document provides an earnings presentation for Brasil EcoDiesel's 4Q08 and full year 2008 results. It summarizes that Brasil EcoDiesel underwent a restructuring process in mid-2008 in response to market changes. While the company achieved positive gross margins and launched new products in 2H08, full year results were negatively impacted by lower-than-expected sales volumes, high financial expenses, and non-recurring restructuring costs. The company reported an adjusted EBITDA loss of R$10.5 million for 4Q08 and R$65.8 million for full year 2008.
S394 Presentation to NC Senate Finance Committee 4/3/2013PublicFinanceTV
Senate Bill 394 proposes lowering tax rates in North Carolina to make the tax system more competitive, simpler, and fairer. It aims to lower major tax rates like personal income, corporate, and sales taxes while keeping the plan revenue-neutral. The current tax system relies too heavily on volatile sources like corporate income tax and the non-withholding portion of personal income tax. The sales tax base has also been shrinking as a percentage of the overall economy.
Alan Garber: The quest for efficiency in the English NHSNuffield Trust
1) The document discusses competition, integration, and incentives in healthcare systems, comparing approaches in the United States and United Kingdom health reforms.
2) It notes both nations are changing payment mechanisms to give providers more financial responsibility and measure/reward quality, though acceptance of changes is key.
3) The reforms in both countries will provide new information, as there are many unknowns about how to organize and pay for care effectively. Competition can create useful variation to learn from.
This document discusses tobacco cessation and worksite wellness. It provides statistics showing that 10% of healthcare costs in Massachusetts are due to smoking, and over 8,000 people die prematurely each year from smoking-related illnesses. The document recommends that employers implement comprehensive tobacco control approaches including tobacco-free policies, insurance benefits that cover cessation treatment, and workplace cessation programs. These approaches have been shown to increase quit rates by 12-38% and reduce healthcare costs for employers.
The document summarizes TriMet's projected budget shortfalls and need to reduce service levels due to rising costs and stagnant revenues. It shows growing deficits from $19 million in 2017 to $200 million by 2030 if nothing changes. Without action, service cuts of 34% by 2020 and 70% by 2025 would be required. Healthcare costs are a major driver, increasing from 12% to an unsustainable 28% of payroll tax revenues, and projected to exceed 42% within five years. The current offer aims to delay cuts by reducing these cost increases.
Eletropaulo reported a loss of R$ 324.1 million in 3Q05 compared to a net income of R$ 136.8 million in 2Q05. Key factors included a tariff adjustment of 2.12% effective July 4, 2005, the issuance of R$ 800 million in debentures in September, and a significant increase in operating expenses including a R$ 346.4 million provision for doubtful debts. While revenues declined, expenses rose due to higher personnel costs, increased tariff quotas, and the amortization of regulatory assets, leading to a large quarterly loss despite an adjusted EBITDA of R$ 400.3 million.
For a few weeks now, the Washington Post has posted a gallery of charts to help explain what is meant by the ‘Fiscal Cliff’ (http://goo.gl/V46U6). Although the 7 charts are a collection of simple bar charts, from a data visualization perspective they leave a lot to be desired. In this slide deck, I've redesigned all 7 charts.
The document provides an overview of India's large population and growing economy. Some key points:
- India has a population of over 1.21 billion people, with over 60% under age 35 and urban population contributing 60% of GDP.
- Household income is increasing significantly across income brackets, fueling more discretionary spending.
- Many sectors like FMCG, retail, healthcare and hospitality are experiencing strong growth of 6-15% annually.
- Television is a major advertising medium due to its large reach, though distribution challenges remain due to a fragmented market of over 50,000 cable operators.
- The document introduces Prime Connect as an independent distribution platform that aims to organize channel distribution through various digital platforms
The document provides an earnings presentation for Brasil EcoDiesel's 4Q08 and full year 2008 results. It summarizes that Brasil EcoDiesel underwent a restructuring process in mid-2008 in response to market changes. While the company achieved positive gross margins and launched new products in 2H08, full year results were negatively impacted by lower-than-expected sales volumes, high financial expenses, and non-recurring restructuring costs. The company reported an adjusted EBITDA loss of R$10.5 million for 4Q08 and R$65.8 million for full year 2008.
The document announces that a market research company called Global Research & Data Services will publish analyses of the internal combustion engine filter markets in 19 European countries. It provides a list of the individual market analysis reports being made available and details on what information each report contains, such as manufacturers and distributors of filters in each country market and forecasts through 2015. Contact information is provided for purchasing the reports.
This document discusses how to use Excel more efficiently. It provides tips and tricks for navigating, formatting cells, using functions and formulas, analyzing data visually with charts and pivot tables, and collaborating on spreadsheets. Following the advice in this guide can help users get more out of Excel and work with spreadsheets in a faster, easier way.
This document describes a 5-a-side football tournament for children aged 10-13 and 14-17 organized by BELT IT Creative Services. Over 500 students from over 30 schools in Ahmedabad, India will participate in 64 teams competing over 6 days in September. The tournament aims to promote football and provide opportunities for budding young players. The total budget for the event is Rs. 2,50,000 and proposals are made for magazine and sponsorship partnerships.
The document discusses key legislation and elements in special education. It outlines laws like IDEA, ADA, NCLB and Section 504 that emphasize inclusion and accountability. It also discusses standards-based education, response to intervention, universal design for learning, differentiated instruction, and evidence-based practices that are used to meet the individual needs of diverse students with disabilities in inclusive classrooms.
LVK liquidators in collusion with Pretoria lawyers to defraud creditors and b...MrDlamini
Legal Proof that this liquidations firm played and plays a part in defrauding creditors of businesses. Kan n' mens sulke mense vertrou - ek dink nie so nie. As die persoon as Trustee optree vir n' besigheid staan hy saam die bedrieer of die krediteure...? Die antwoord le binne....mooi lees - Pasop as die firma namens jou optree as krediteure....
This document describes an event to educate students about global warming and promote waste management. It will involve a competition for 12,000 students across 15 top CBSE schools in Chennai. Students will learn how to reduce, reuse and recycle, and will receive certificates with sponsor logos. Sponsorship opportunities include Title Sponsor, Co-Sponsor and Associate Sponsor. Benefits include branding exposure to 12,000 families, an event database, and advertisements. The final competition will be held at The Forum Vijaya Mall in Vadapalani.
Dr. Peter Welcher presented on MPLS VPNs. The key points covered included:
1) MPLS VPNs allow enterprises to connect sites securely over a shared infrastructure at a lower cost than private networks.
2) MPLS VPNs use BGP and MPLS to separate routing between customers while leveraging the service provider's existing infrastructure.
3) Packets are forwarded through the MPLS network using label switching without examining the IP header, providing security and isolation between customer networks.
Quickpoint allows users to open, view, edit, and present PowerPoint presentations on an iPad. It supports both 2003 and 2007 PowerPoint file formats. Presentations can be viewed in portrait or landscape mode and slides can be zoomed, panned, and navigated. Editing options include adding, deleting, and reordering slides. Text, images, shapes, and other elements on slides can also be formatted, arranged, and manipulated. Presentations can be shown in slideshow mode on the iPad screen or an external display.
Este documento resume la presentación clínica, evaluación y diagnóstico de la embolia pulmonar aguda en adultos. Los síntomas más comunes incluyen disnea, dolor pleurítico y tos, aunque muchos pacientes son asintomáticos. La historia clínica y examen físico son importantes pero no específicos para el diagnóstico. Pruebas de laboratorio como la gasometría arterial y los niveles de dímero-D y troponina son útiles pero no definitivas. Un enfoque integral que incluya la
This document provides an overview of financial planning for individuals with disabilities. It discusses the challenges of poverty and lack of income among those with disabilities. It then outlines four steps to achieving financial self-determination: discovery, planning, resource development, and long-term advocacy strategies. Specific strategies are proposed under each step, such as setting goals, assessing needs and resources, exploring public programs and private funding options, and planning for succession. Examples are given of the types of supports currently used by one individual and the funding sources for each.
This document discusses the need to create 21st century rehabilitation strategies. It questions whether current approaches are preparing people with disabilities for the 21st century or creating further segregation. It advocates connecting with the community, finding open-minded partners, defining big goals, learning new things, exercising creativity, and believing in the impossible to create a compelling vision for people with disabilities by 2020. The document is presented by Katherine Carol from her Shining Beautiful series.
This document contains 10 photo credits from various photographers and suggests that the reader may be inspired to create their own Haiku Deck presentation on SlideShare. It lists photo credits to Nrbelex, mag3737, MyLifeThroughPhotography, SpecialKRB, Arya Ziai, ultraBobban, Ed Yourdon, ancient history, interestedbystandr, Jordi Payà Canals, and raindog. The document encourages the reader to get started making their own Haiku Deck presentation.
Benjamin Moses Waller was born on August 24, 2010 but passed away only 8 days later on September 1, 2010. The document expresses condolences for his short life and love for the infant from his aunt and references the unbreakable bond between mother and child. It includes a poem about an angel taking the baby to end his suffering and be free from pain.
This document describes a 5-a-side football tournament for children aged 10-13 and 14-17 taking place over 6 days in Ahmedabad, India. Over 500 students from over 20 schools will participate in 64 teams, playing 31 matches each in two age categories. The tournament aims to promote football and encourage young footballers, as well as create a sense of competition and team spirit. Cash and other prizes totaling Rs. 15,000 will be awarded. The total cost of the event is Rs. 2,50,000. A proposal is made to partner with Radio Mirchi, in exchange for promotional announcements and branding opportunities.
O documento lista 10 entradas de um diário datadas de 27 de setembro de 2010, cada uma marcada com a hora em que foi registrada, variando de 10:31 até 11:49 da manhã.
The customer called to inquire about a wrong bill they received. The agent verified the customer's account and name, and found that the bill was generated before the customer's recent payment was processed, so they could disregard the amount. The agent also informed the customer that bill delays can occur due to courier delays, and provided an alternative to check their more updated balance online. The agent ensured there were no other issues before concluding the call.
The document provides an analysis of CMC's financial performance for the fiscal year ending March 31, 2006. Some key highlights include:
- Total revenue was up 9.6% at Rs. 858 cr compared to Rs. 782 cr last year driven by increases in ITeS, E&T, and international business.
- Operating profit was up 12% at Rs. 44.1 cr. Profit before tax grew 82% to Rs. 60.1 cr and profit after tax increased 91% to Rs. 44.1 cr.
- Revenue from customer services was up 14% while systems integration grew 39% and ITeS increased 68% over the previous fiscal year.
Second Annual Analysts & Investors Presentation - Financial PresentationEmbraer RI
The document discusses Embraer's second annual investors and analyst meeting. It includes forward-looking statements about future events and financial trends that are subject to risks and uncertainties. The capital structure shows Embraer's voting shares are held by European and Brazilian entities, and preferred shares are listed on the NYSE and Bovespa. The presentation reviews Embraer's jet deliveries, revenues, profits, balance sheet, and performance indicators from 2000 to the third quarter of 2001. It also discusses investments, employment levels, production cycle times, and accounting differences between Brazilian GAAP and US GAAP.
2002* Segundo Encontro Anual Com Analistas E Investidores ApresentaçãO Fina...Embraer RI
The document discusses Embraer's second annual investors and analyst meeting. It provides an overview of Embraer's capital structure, stock dividends, third quarter results including the income statement, balance sheet, and key performance indicators. It also discusses Embraer's investments, revenue, earnings, employees, production cycle, and the differences between Brazilian GAAP and US GAAP accounting standards.
The document announces that a market research company called Global Research & Data Services will publish analyses of the internal combustion engine filter markets in 19 European countries. It provides a list of the individual market analysis reports being made available and details on what information each report contains, such as manufacturers and distributors of filters in each country market and forecasts through 2015. Contact information is provided for purchasing the reports.
This document discusses how to use Excel more efficiently. It provides tips and tricks for navigating, formatting cells, using functions and formulas, analyzing data visually with charts and pivot tables, and collaborating on spreadsheets. Following the advice in this guide can help users get more out of Excel and work with spreadsheets in a faster, easier way.
This document describes a 5-a-side football tournament for children aged 10-13 and 14-17 organized by BELT IT Creative Services. Over 500 students from over 30 schools in Ahmedabad, India will participate in 64 teams competing over 6 days in September. The tournament aims to promote football and provide opportunities for budding young players. The total budget for the event is Rs. 2,50,000 and proposals are made for magazine and sponsorship partnerships.
The document discusses key legislation and elements in special education. It outlines laws like IDEA, ADA, NCLB and Section 504 that emphasize inclusion and accountability. It also discusses standards-based education, response to intervention, universal design for learning, differentiated instruction, and evidence-based practices that are used to meet the individual needs of diverse students with disabilities in inclusive classrooms.
LVK liquidators in collusion with Pretoria lawyers to defraud creditors and b...MrDlamini
Legal Proof that this liquidations firm played and plays a part in defrauding creditors of businesses. Kan n' mens sulke mense vertrou - ek dink nie so nie. As die persoon as Trustee optree vir n' besigheid staan hy saam die bedrieer of die krediteure...? Die antwoord le binne....mooi lees - Pasop as die firma namens jou optree as krediteure....
This document describes an event to educate students about global warming and promote waste management. It will involve a competition for 12,000 students across 15 top CBSE schools in Chennai. Students will learn how to reduce, reuse and recycle, and will receive certificates with sponsor logos. Sponsorship opportunities include Title Sponsor, Co-Sponsor and Associate Sponsor. Benefits include branding exposure to 12,000 families, an event database, and advertisements. The final competition will be held at The Forum Vijaya Mall in Vadapalani.
Dr. Peter Welcher presented on MPLS VPNs. The key points covered included:
1) MPLS VPNs allow enterprises to connect sites securely over a shared infrastructure at a lower cost than private networks.
2) MPLS VPNs use BGP and MPLS to separate routing between customers while leveraging the service provider's existing infrastructure.
3) Packets are forwarded through the MPLS network using label switching without examining the IP header, providing security and isolation between customer networks.
Quickpoint allows users to open, view, edit, and present PowerPoint presentations on an iPad. It supports both 2003 and 2007 PowerPoint file formats. Presentations can be viewed in portrait or landscape mode and slides can be zoomed, panned, and navigated. Editing options include adding, deleting, and reordering slides. Text, images, shapes, and other elements on slides can also be formatted, arranged, and manipulated. Presentations can be shown in slideshow mode on the iPad screen or an external display.
Este documento resume la presentación clínica, evaluación y diagnóstico de la embolia pulmonar aguda en adultos. Los síntomas más comunes incluyen disnea, dolor pleurítico y tos, aunque muchos pacientes son asintomáticos. La historia clínica y examen físico son importantes pero no específicos para el diagnóstico. Pruebas de laboratorio como la gasometría arterial y los niveles de dímero-D y troponina son útiles pero no definitivas. Un enfoque integral que incluya la
This document provides an overview of financial planning for individuals with disabilities. It discusses the challenges of poverty and lack of income among those with disabilities. It then outlines four steps to achieving financial self-determination: discovery, planning, resource development, and long-term advocacy strategies. Specific strategies are proposed under each step, such as setting goals, assessing needs and resources, exploring public programs and private funding options, and planning for succession. Examples are given of the types of supports currently used by one individual and the funding sources for each.
This document discusses the need to create 21st century rehabilitation strategies. It questions whether current approaches are preparing people with disabilities for the 21st century or creating further segregation. It advocates connecting with the community, finding open-minded partners, defining big goals, learning new things, exercising creativity, and believing in the impossible to create a compelling vision for people with disabilities by 2020. The document is presented by Katherine Carol from her Shining Beautiful series.
This document contains 10 photo credits from various photographers and suggests that the reader may be inspired to create their own Haiku Deck presentation on SlideShare. It lists photo credits to Nrbelex, mag3737, MyLifeThroughPhotography, SpecialKRB, Arya Ziai, ultraBobban, Ed Yourdon, ancient history, interestedbystandr, Jordi Payà Canals, and raindog. The document encourages the reader to get started making their own Haiku Deck presentation.
Benjamin Moses Waller was born on August 24, 2010 but passed away only 8 days later on September 1, 2010. The document expresses condolences for his short life and love for the infant from his aunt and references the unbreakable bond between mother and child. It includes a poem about an angel taking the baby to end his suffering and be free from pain.
This document describes a 5-a-side football tournament for children aged 10-13 and 14-17 taking place over 6 days in Ahmedabad, India. Over 500 students from over 20 schools will participate in 64 teams, playing 31 matches each in two age categories. The tournament aims to promote football and encourage young footballers, as well as create a sense of competition and team spirit. Cash and other prizes totaling Rs. 15,000 will be awarded. The total cost of the event is Rs. 2,50,000. A proposal is made to partner with Radio Mirchi, in exchange for promotional announcements and branding opportunities.
O documento lista 10 entradas de um diário datadas de 27 de setembro de 2010, cada uma marcada com a hora em que foi registrada, variando de 10:31 até 11:49 da manhã.
The customer called to inquire about a wrong bill they received. The agent verified the customer's account and name, and found that the bill was generated before the customer's recent payment was processed, so they could disregard the amount. The agent also informed the customer that bill delays can occur due to courier delays, and provided an alternative to check their more updated balance online. The agent ensured there were no other issues before concluding the call.
The document provides an analysis of CMC's financial performance for the fiscal year ending March 31, 2006. Some key highlights include:
- Total revenue was up 9.6% at Rs. 858 cr compared to Rs. 782 cr last year driven by increases in ITeS, E&T, and international business.
- Operating profit was up 12% at Rs. 44.1 cr. Profit before tax grew 82% to Rs. 60.1 cr and profit after tax increased 91% to Rs. 44.1 cr.
- Revenue from customer services was up 14% while systems integration grew 39% and ITeS increased 68% over the previous fiscal year.
Second Annual Analysts & Investors Presentation - Financial PresentationEmbraer RI
The document discusses Embraer's second annual investors and analyst meeting. It includes forward-looking statements about future events and financial trends that are subject to risks and uncertainties. The capital structure shows Embraer's voting shares are held by European and Brazilian entities, and preferred shares are listed on the NYSE and Bovespa. The presentation reviews Embraer's jet deliveries, revenues, profits, balance sheet, and performance indicators from 2000 to the third quarter of 2001. It also discusses investments, employment levels, production cycle times, and accounting differences between Brazilian GAAP and US GAAP.
2002* Segundo Encontro Anual Com Analistas E Investidores ApresentaçãO Fina...Embraer RI
The document discusses Embraer's second annual investors and analyst meeting. It provides an overview of Embraer's capital structure, stock dividends, third quarter results including the income statement, balance sheet, and key performance indicators. It also discusses Embraer's investments, revenue, earnings, employees, production cycle, and the differences between Brazilian GAAP and US GAAP accounting standards.
Segundo Encontro Anual Com Analistas E Investidores ApresentaçãO FinanceiraEmbraer RI
The document discusses Embraer's second annual investors and analyst meeting. It provides an overview of Embraer's capital structure, stock dividends, third quarter results including the income statement, balance sheet, and key performance indicators. It also discusses Embraer's investments, revenue, earnings, employees, production cycle, and the differences between Brazilian GAAP and US GAAP accounting standards.
Global equity markets rose in response to the Spain bank rescue package and expectations of further policy stimulus from central banks. US economic data disappointed with weak retail sales and consumer sentiment. Commodity prices were mixed with gold rising but oil falling. In Asia, Chinese economic data softened slightly. Japanese machinery orders rose. The Bank of Japan left rates unchanged. In Europe, UK banking stocks gained on new lending programs but economic data was weak. Spain's borrowing costs rose after a credit downgrade. Eurozone industrial production declined. In the Americas, weak data boosted stimulus expectations. Brazilian economic activity may have contracted. In India, frontline indices gained led by FMCG and tech stocks. Industrial production was flat in April. Bond yields eased but
gemiusAdMonitor is a periodic report prepared by Gemius. The source of data is the gemiusDirectEffect research, which is the leading online advertisement monitoring system in the CEE region. as well as Gemius adserver AdOcean.
gemiusAdMonitor presents a ranking of most popular online ad formats and a wide range of indicators for display campaigns. The report also describes the advertising activity within chosen sectors of online market such as: finance, telecommunication and other.
The report covers the following countries: Bulgaria, the Czech Republic, Hungary, Poland, Romania and Slovakia.
This document is a report from gemiusAdMonitor about online advertising in Central and Eastern Europe. It provides data on the most popular advertising formats, highest performing market sectors, and methodology. Key findings include that regular banners are the most widely used format across the region, with display ads in food, telecom and retail sectors generating the most impressions. The report aims to help advertisers optimize their online campaigns.
Total revenue for the year ended March 31, 2004 was Rs. 764 crores, up 24% from the previous year. Revenue from customer services increased from 54% to 63% of total revenue. Profit before tax was up 16% to Rs. 65.7 crores and profit after tax was up 30% to Rs. 48 crores. Margins improved with operating margins at 8.2%, PBT margins at 9% and PAT margins at 6.3%. Earnings per share increased 39% to Rs. 31.38 and book value per share increased 31% to Rs. 107.
Avery Dennison reported its third quarter 2008 results. Revenue increased 3% to $1.72 billion due to currency effects, but organic revenue declined 2% due to slowing economic conditions. Operating income declined 6% to $96 million due to margin pressure from rising raw material costs outpacing price increases. For 2008, the company lowered its earnings guidance to $2.65-2.85 per share due to further weakening expected in Q4 from inventory reductions and economic uncertainty. It expects record free cash flow of $375 million despite the challenges.
The document provides an overview of Paraná Banco's financial performance in the fourth quarter and full year of 2009. It summarizes that net income increased 81.4% in 4Q09 and 24.0% for the full year, driven by recovery in credit operations and a reduction in expenses. The insurance business contributed over half of 4Q09 net income and 43.0% for the full year. Total assets grew 6.1% in 4Q09 and 21.8% for the year. Loan volumes and deposits increased compared to prior periods. Asset quality remained strong, with over 90% of loans rated AA to C.
This document discusses several key points:
1. A study by CGAP found that customers had difficulty understanding and interpreting interest rates and loan costs. They were more focused on weekly payments than total costs.
2. The study also found customers did not comparison shop for loans and lacked understanding of financial terms, limiting their ability to analyze offers.
3. Participants reported issues like hidden fees, aggressive collections, and poor service. Very few knew of the government agency protecting financial consumers.
4. Further research is needed to help customers better understand disclosure documents and make informed financial decisions.
- Revenue for CMC was up 20% year-over-year for the quarter at Rs. 240.84 crore compared to Rs. 201.35 crore in the same quarter last year.
- EBITDA was Rs. 17.14 crore for the quarter, up 103% year-over-year. However, the quarter was impacted by a Rs. 12.58 crore provision for a contract under dispute.
- Profit before tax was Rs. 15.38 crore for the quarter, up 9% year-over-year.
Hn & Hcm Market Presentation Q4 2009 Final Ensavillsvietnam
The Ha Noi office market saw a significant increase in activity in Q4 2009. Grade A office space rents are about double those of Grade C space. Occupancy rates remain high across all grades, though Grade A space commands the highest rents at around $40-50 per square meter per month. Overall supply consists of 83 buildings, with 14 considered Grade A and the rest Grade B or C. New supply entering the market includes the Capital Tower and CEO Tower projects.
- Aeroplan Canada achieved its 6th straight quarter of year-over-year growth.
- Nectar now has 3 million members earning points through new partner British Gas.
- LMG I&C analytics unit entered into a strategic partnership with Sobeys.
- MOU signed with Tata Group to form a coalition loyalty program in India.
This document analyzes health and education spending in Uganda before and after public expenditure reviews conducted using the BOOST methodology. It finds that:
1) After the reviews, the composition of Uganda's national budget shifted spending away from wages and transfers towards capital investment and goods/services.
2) However, at the district level nearly all increased health spending went to wages, despite rising demand for health services. A similar pattern occurred for education spending.
3) There was wide variation in efficiency and outcomes across Ugandan districts that was comparable to differences between countries worldwide.
This document discusses the growing opportunity for mobile advertising in India. Mobile advertising can generate additional revenue for mobile operators and provide personalized advertising to large audiences. However, challenges remain around the complex ecosystem, application compatibility, and leveraging peer-to-peer messaging. The Affle SMS2.0 platform aims to address these challenges by providing an enhanced messaging experience for consumers and higher interactivity and measurable returns for advertisers, while also creating new revenue streams for mobile operators. Case studies demonstrate successful mobile advertising campaigns using this platform.
This document discusses the growing opportunity for mobile advertising in India. Mobile advertising can generate additional revenue for mobile operators and provide personalized advertising to large audiences. However, challenges remain around the complex ecosystem, application compatibility, and leveraging peer-to-peer messaging. The Affle SMS2.0 platform aims to address these challenges by providing an enhanced messaging experience for consumers and higher interactivity and measurable returns for advertisers, while also creating new revenue streams for mobile operators. Case studies demonstrate successful mobile advertising campaigns using this platform.
Energias do Brasil reported its third quarter 2007 earnings results in a conference call. The company's CEO, CFO, and investor relations officer presented operating and financial performance for the quarter. Energias do Brasil saw growth in energy distributed and volume sold, while facing challenges from rising costs and expenses. Overall, the company reported higher revenues but lower EBITDA compared to the previous year.
This document provides instructions for a break-even analysis template that can model the effects of discounts and excess capacity costs. It notes that there is no standard for what costs organizations include. The template depends on accurate user input of costs, and may underestimate the effects of aggressive discounts or overcapacity since it only applies discounts to sales above capacity.
Presentation: Health Reform in Massachusettsmasscare
The document summarizes the Massachusetts Model of Health Reform, including its origins, structure, impacts, challenges, and lessons for national reform. Key points:
- The 2006 reform law expanded insurance coverage through an individual mandate, employer requirements, and subsidizing coverage up to 300% of poverty.
- It reduced the uninsured rate from 10% to around 4-5% but increased costs for employers and individuals. Financial challenges grew for safety-net hospitals.
- While more have coverage, costs continue rising faster than income. If not addressed, the system may not be sustainable long-term. National reform efforts aim to achieve Massachusetts' coverage gains while better controlling health care spending.
Similar to 2011 BH/ID/A Coalition Pre-Budget Presentation (20)
#WenguiGuo#WashingtonFarm Guo Wengui Wolf son ambition exposed to open a far...rittaajmal71
Since fleeing to the United States in 2014, Guo Wengui has founded a number of projects in the United States, such as GTV Media Group, GTV private equity, farm loan project, G Club Operations Co., LTD., and Himalaya Exchange.
12062024_First India Newspaper Jaipur.pdfFIRST INDIA
Find Latest India News and Breaking News these days from India on Politics, Business, Entertainment, Technology, Sports, Lifestyle and Coronavirus News in India and the world over that you can't miss. For real time update Visit our social media handle. Read First India NewsPaper in your morning replace. Visit First India.
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1. Protecting Vulnerable Pennsylvanians
by
Preserving Services for People with
Mental Illness, Substance Use Disorder,
Intellectual Disabilities and Autism
2. Funding for Community-based Behavioral Health and
Intellectual Disability Services Has Already Been Cut,
and Cut, and Cut.
Payment rates for these services have not kept pace with (a)
inflation (CPI), (b) the Home Health Market Basket Index, or
(c) the State General Fund over the past two decades. See
Chart 1 attached.
Over the past twenty years, payment rates for these services
have been cut 40% compared to the cost of providing these
services.
Over the past eight years, the Governor proposed cost-of-
living adjustments to these payment rates in only three of the
last eight years. In both FY 2005 and FY 2009, the
Legislature added funding for payment rate increases at less
than inflation. See Chart 2 attached.
2
3. Over the Past 20 Years, BH/ID/A Reimbursement Lags Far
Behind Increases in the State General Fund and in Inflation
160.00%
140.00%
State
General
Fund
120.00%
Cumulative Percentage Change
100.00%
HHMBI
80.00%
CPI-U
(Seasonally
60.00% Adj)
40.00%
BH/ID/A
Reimbursement
20.00%
0.00%
90-91 91-92 92-93 93-94 94-95 95-96 96-97 97-98 98-99 99-00 00-01 01-02 02-03 03-04 04-05 05-06 06-07 07-08 08-09 09-10 10-11
State General Fund 0.00% 12.89% 14.20% 21.10% 26.19% 30.58% 32.57% 39.03% 45.70% 55.21% 60.85% 67.21% 66.76% 72.78% 85.41% 97.25% 111.95 119.02 128.03 124.38 133.71
HHMBI 0.00% 4.75% 7.82% 12.12% 15.34% 18.40% 21.47% 24.85% 28.68% 32.52% 37.42% 43.10% 48.01% 52.61% 57.67% 62.42% 67.48% 73.31% 79.14% 82.52% 87.12%
CPI-U (Seasonally Adj) 0.00% 3.01% 6.10% 8.75% 12.06% 15.22% 17.79% 19.71% 22.06% 26.62% 30.66% 32.06% 34.63% 38.90% 42.43% 48.46% 52.35% 59.76% 57.76% 59.51% 63.61%
BH/ID/A Reimbursement 0.00% 3.00% 5.06% 7.16% 9.30% 9.30% 9.30% 11.49% 13.72% 15.99% 18.31% 20.68% 20.68% 20.68% 23.09% 25.56% 28.07% 31.91% 33.23% 33.23% 33.23%
3
5. Payment Rates for Community-based Behavioral Health
and Intellectual Disability Services Have Lagged Behind
Other Major Medicaid Service Providers
Over the Past Twenty Years.
Annual payment rate increases for Medicaid MCO’s and Nursing
Homes far exceeded payment rate increases for hospitals, which
exceeded the payment rate increases for home and community-
based behavioral health and intellectual disability services. See
Chart 3 attached.
5
7. The Cost of Community-based Behavioral Health and
Intellectual Disability Services is Less than Half
the Cost of State Institutions.
The average cost per resident in state MR Centers is
$256,622 compared to the average cost of residential and
day program services in the community for people with
intellectual disabilities of $112,000, or 44% of the cost of the
mandatory Medicaid entitlement alternative. See Chart 4
attached.
The average cost per patient in State Mental Hospitals is
$195,891 compared to the average cost of residential and
day treatment services in the community for people with
mental illness of $60,850, or 31% of the cost of care in state
institutions. See Chart 4 attached.
7
8. FY 11 Average Cost per Person
State Insitutions vs. Community Programs
$300,000
$250,000
$200,000
Average Cost per Person
$150,000
$256,622
$100,000 $195,891
$112,000
$50,000
$60,850
$0
State MR Centers Community ID Programs State Mental Hospitals Community BH Programs
8
9. The Cost of Direct Support Personnel is Twice as High in
State Institutions as in Community Programs.
Based on a Legislative Budget and Finance Committee
report1, the average hourly wage for direct support
personnel in community-based programs ($8.84), is less than
half the wages paid ($17.78) in state institutions and the
difference continues to widen.
The Average annual wage of a direct support professional in
a community setting ($18,390) is only slightly above the
federal poverty guidelines for a family of three.2
1 LBFC Report on Salary Levels and Their Impact on Quality of Care for Client Contact Workers in Community Based MH/MR
Prorgams http://lbfc.legis.state.pa.us/reports/1999/204.PDF
2 American Network of Community Options and Resources (ANCOR) 2008 Direct Support Professional Wage Study
9
10. Opportunities for Cost-Shifting to Other Payers is Almost
Non-Existent.
The state (with matching federal funds) is the single payer for
community-based behavioral health and intellectual disability
services.
There is almost no private pay (less than 1%) for these
services.
10
11. The Almost Exclusively Non-Profit Providers of these
Services are Financially Fragile.
For 45 years, DPW payment policy and county MH/MR
agency practice severely limited retained revenue.
County contracts, DPW fiscal regulation, and ODP
Instructions to Cost Reporting carefully limit allowable
costs.
Cash advances from counties, and now gross
adjustments from DPW, continue to be necessary to
ensure adequate cash flow for many of these
community-based providers.
11
12. Cuts in these Services will Increase Costs Elsewhere in
State and County Government.
County jails and state prisons are among the default
treatment option for people with autism and untreated
behavioral health needs.
Cuts that lead to program closures for people with
intellectual disabilities will result in a re-
institutionalization policy contrary to the Americans
with Disabilities Act at greater expense to the state
budget.
The lack of adequate Waiting List funding for people with
intellectual disabilities is resulting in Section 406 commitments
to state MR institutions by county common pleas courts, at a
cost of $256,622 per person per year, which will only
accelerate if further cuts are made.
12
13. Traditional Cost Cutting Measures (Serving Fewer People or
Providing Fewer Services) are Not Available
in the Community ID Waivers.
Existing waiver participants cannot be terminated from ID
waivers, according to federal law, and there is almost no
turnover of the people enrolled in these waivers.
The amount and kinds of services provided to ID waiver
participants cannot be cut back, according to federal rules.
13
14. Medicaid Waiver Services for People with Autism
Must Be Preserved
Two Medicaid waivers generate federal matching funds for
services for 500 adults with autism spectrum disorders.
The preservation of these services will help to reduce costly
and inappropriate “care” for people with autism, including
county jails and state prisons.
14