Iowa Energy Savings Guide Saving Energy Saves You Money, 2003

This guide describes things you can do around your home to reduce your utility bills and save you money. It offers some easy, practical steps that you can take to save energy and reduce the cost of heating and cooling your home. There are also tips on ways to reduce your electric and water usage. In addition, energy related health and safety information is also included. So, take a few minutes to read this guide and save it so you can refer to it in the future.

Water Heating, 2011

Although there are many ways to cut you water heating bills, the all fall into two broad categories: reducing the amount of hot water you use and making your water heating system more efficient. Fortunately, there are several strategies that can help you consume less energy and save money - and still meet you hot water needs without sacrificing comfort or practicality. The booklet was designed to answer common questions about hot water systems and to provide you with the information necessary to make informed decision about a wide variety of topics, ranging from repairing hot water faucet leaks an insulation water supply pipes to installing low-flow shower heads and tuning you your existing water heather. You'll also find details on what to consider when it's time to go comparison shopping for a new water heater-including an evaluation of the alternatives to the common gas or electric storage tank unit that's found in the majority of homes in Iowa and across the country.

Major Home Appliances, 2011

If you haven’t been in the market for new appliances during the past several years, you’re going to be surprised at how innovative and energy-efficient appliances have become. You’ll find energy-smart appliance choices in almost all price ranges. Before heading to the local appliance retailer or “big-box” store, measure the space the new appliance will occupy to make sure it will fit—and that there’s enough room to fully open the door (or lid), as well as adequate clearances for ventilation, plumbing connections and other hookups. Then go to the appliance manufacturers’ Web sites to look at product information, and make a list of questions and “must-have” and “nice-to-have-but-not-essential” features.

Consumer Advisory Bulletin, Work-at-Home Scams:So You Didn’t Order That? Protecting yourself from unauthorized credit card charges, August 2012

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: So You Didn’t Order That? Protecting yourself from unauthorized credit card charges

What you need to know about Judicial Retention Elections, August 2012

Retention elections are intended to focus on the professional competency of Iowa’s judges rather than the popularity of individual rulings. In a retention election, voters decide whether a judge should be retained or removed from office. If a judge receives a majority of “yes” votes, the judge serves another full term. If a judge receives a majority of “no” votes, the judge is removed from office at the end of the year.

Fair Housing and You

Familial status, or presence of children in the home, protects families with children under 18 years of age. Also protected are families seeking custody of a child or expecting the birth of a child. There is only a narrow exception to this part of the law: units designated as “housing for older persons.” Property owners are required by the law to allow reasonable modifications to a property (at the tenant’s expense) and to make reasonable accommodations in policies in order to accommodate the needs of persons with disabilities.

Iowa College Student Aid Commission Annual Report FY 2011

Iowa College Aid connects students and families to the essential resources and services needed to go to college. Staff is available every step of the way to help students plan, prepare, and pay for college. On behalf of the State of Iowa and the General Assembly, Iowa College Aid supports students and families with scholarships, grants, loan forgiveness, informational resources and a range of services that help Iowans prepare for college, as well as assist student loan borrowers through the repayment process.

Inferring landscape effects on dispersal from genetic distances: how far can we go?

Functional connectivity affects demography and gene dynamics in fragmented populations. Besides species-specific dispersal ability, the connectivity between local populations is affected by the landscape elements encountered during dispersal. Documenting these effects is thus a central issue for the conservation and management of fragmented populations. In this study, we compare the power and accuracy of three methods (partial correlations, regressions and Approximate Bayesian Computations) that use genetic distances to infer the effect of landscape upon dispersal. We use stochastic individual-based simulations of fragmented populations surrounded by landscape elements that differ in their permeability to dispersal. The power and accuracy of all three methods are good when there is a strong contrast between the permeability of different landscape elements. The power and accuracy can be further improved by restricting analyses to adjacent pairs of populations. Landscape elements that strongly impede dispersal are the easiest to identify. However, power and accuracy decrease drastically when landscape complexity increases and the contrast between the permeability of landscape elements decreases. We provide guidelines for future studies and underline the needs to evaluate or develop approaches that are more powerful.

Identity [R]Evolution: Multi-Disciplinary Perpectives

The identity [r]evolution is happening. Who are you, who am I in the information society? In recent years, the convergence of several factors - technological, political, economic - has accelerated a fundamental change in our networked world. On a technological level, information becomes easier to gather, to store, to exchange and to process. The belief that more information brings more security has been a strong political driver to promote information gathering since September 11. Profiling intends to transform information into knowledge in order to anticipate one's behaviour, or needs, or preferences. It can lead to categorizations according to some specific risk criteria, for example, or to direct and personalized marketing. As a consequence, new forms of identities appear. They are not necessarily related to our names anymore. They are based on information, on traces that we leave when we act or interact, when we go somewhere or just stay in one place, or even sometimes when we make a choice. They are related to the SIM cards of our mobile phones, to our credit card numbers, to the pseudonyms that we use on the Internet, to our email addresses, to the IP addresses of our computers, to our profiles... Like traditional identities, these new forms of identities can allow us to distinguish an individual within a group of people, or describe this person as belonging to a community or a category. How far have we moved through this process? The identity [r]evolution is already becoming part of our daily lives. People are eager to share information with their "friends" in social networks like Facebook, in chat rooms, or in Second Life. Customers take advantage of the numerous bonus cards that are made available. Video surveillance is becoming the rule. In several countries, traditional ID documents are being replaced by biometric passports with RFID technologies. This raises several privacy issues and might actually even result in changing the perception of the concept of privacy itself, in particular by the younger generation. In the information society, our (partial) identities become the illusory masks that we choose -or that we are assigned- to interplay and communicate with each other. Rights, obligations, responsibilities, even reputation are increasingly associated with these masks. On the one hand, these masks become the key to access restricted information and to use services. On the other hand, in case of a fraud or negative reputation, the owner of such a mask can be penalized: doors remain closed, access to services is denied. Hence the current preoccupying growth of impersonation, identity-theft and other identity-related crimes. Where is the path of the identity [r]evolution leading us? The booklet is giving a glance on possible scenarios in the field of identity.

Willigness to pay for long-term care coverage: the role of private information and self-insurance

Both public and private insurance for long-term care is undeveloped in some European countries such as in Spain and empirical evidence is still limited. This paper aims at exmining the determinants of the demand for Long Term Care (LTC) coverage in Spain using contingent valuation techniques. Our findings indicate that only one-fifth of the population is willing to pay to assure coverage decisions are significantly affected by private information asymmetry and housing tenure in giving rise to self-insurance reduces the probability of insurance being hypothetically purchased.

Do youths gamble? You bet! A Swiss population-based study

Cette recherche sur les jeux d'argent et de hasard au sein de la population des jeunes résidents Suisses avait trois objectifs. Pour avoir des données de base, nous nous sommes d'une part intéressés à la prévalence de ce comportement et, basé sur des critères de fréquence, avons mis en évidence une population plus à risque de subir des conséquences néfastes du jeu;à savoir ceux qui jouent au minimum une fois par semaine. Le deuxième objectif était de déterminer s'il existait une association entre la fréquence du jeu et 1) l'utilisation de substances, 2) une mauvaise santé mentale et/ou 3) un faible support social, comme cela a été décrit dans la littérature pour les joueurs pathologiques. Finalement, pour savoir si les joueurs fréquents étaient «fixés» sur un seul type de jeu ou au contraire jouaient de manière non-sélective, nous avons effectué la corrélation entre la fréquence de jeu et le nombre de jeux différents dans lesquels les jeunes étaient impliqués.Pour ces analyses, nous avons utilisé la base de données de l'Enquête Suisse sur la Santé 2007, une étude transversale interrogeant des résidents suisses âgés de 15 ans ou plus. Cette enquête a été menée en deux étapes: 1) un questionnaire téléphonique (taux de réponse: 66.3%) puis 2) un questionnaire écrit (taux de réponse: 80.5% de ceux qui ont répondu à l'interview téléphonique). En tenant compte de la pondération pour l'échantillon de participants ayant répondu aux deux types d'interviews, nous avons considéré uniquement les personnes âgées de 15 à 24 ans. Au total 1116 (582 hommes) participants ont été retenus pour notre étude.Pour répondre au second objectif, nous avons comparé trois groupes. Les non-joueurs (NJ, n=577), les joueurs occasionnels (JO, n=388) et les joueurs fréquents (JF, n=151) ont été étudiés d'abord grâce à des analyses bivariées, puis à une régression multinomiale permettant de tenir compte des facteurs confondants. La sélection des variables pour la régression a été basée sur une méthode «bootstrap» permettant de produire des résultats représentatifs de la population entière et pas uniquement de l'échantillon analysé.Nous avons procédé de manière similaire pour répondre à la troisième question de recherche, mais en comparant uniquement les joueurs occasionnels et les joueurs fréquents.Les résultats ont mis en évidence que 48.3% des jeunes résidents suisses étaient impliqués dans au moins un type de jeu dans l'année précédente. Par ailleurs, 13.5% (n=151) des 15 à 24 ans jouaient au minimum une fois par semaine.Au niveau bivarié, la fréquence de jeu était associée à des facteurs sociodémographiques comme le sexe masculin, l'âge (les JO étant les plus âgés), et le revenu personnel. La fréquence de jeu était également significativement associée au fait de fumer du tabac quotidiennement, d'être actuellement fumeur de cannabis et d'avoir une consommation d'alcool à risque (beuveries). La mauvaise santé mentale (épisode de dépression majeure ou détresse psychologique) et le faible support relationnel (personne de confiance dans l'entourage ou activités de loisirs) n'étaient pas associés à la fréquence de jeu de manière significative, bien qu'une nette tendance en faveur des NJ ait pu être mise en évidence. Au niveau multivarié, les JO et JF étaient plus âgés, plus souvent de sexe masculin et habitaient plus souvent en Suisse romande que les NJ. Les JO étaient plus à risque que les NJ de se soumettre à des beuveries de manière occasionnelle et les JF étaient plus à risque que les NJ d'être des fumeurs de tabac quotidiens.En comparant les JO et les JF, nous avons obtenu une correlation élevée (r=0.85;p<0.0001) entre la fréquence de jeu et le nombre de jeux dans lesquels les jeunes étaient impliqués. Ceci indiquant que les JF ne semblent pas très sélectifs quant au type de jeu auquel ils jouent.Dans la mesure où le jeu est un comportement très prévalent au sein de la population des jeunes résidents suisses, il doit probablement être vu comme une conduite faisant partie des comportements exploratoires de l'adolescence. Néanmoins, au vu des comportements à risque qui y sont associés, la question du jeu devrait être soulevée par les médecins s'occupant de jeunes adultes à des fins de prévention.