A-1 Monthly Public Assistance Statistical Report Family Investment Program, January 2005

A1-Monthly Public Assistance Statistical Report Family Investment Program

Pottawattamie County, Independent Auditor's Reports, Basic Financial Statements and Supplementary Information, Schedule of Findings and Questioned Costs, June 30, 2004

County Audit Report

City of Council Bluffs, Independent Auditor's Reports, Basic Financial Statements and Supplementary Information, Schedule of Findings and Questioned Costs, June 30, 2004

City Audit Report

The hidden costs of hidden debt

We report evidence that salience may have economically signi.cant e¤ects on homeowners.borrowing behavior, through a bias in favour of less salient but more costly loans. Survey evidence corroborates the existence of such a bias. We outline a simple model in which some consumers are biased and show that under plausible assumptions this affects prices in equilibrium. Market data support the predictions of the model.

Determinants sociodemogràfics, incentius i rendiments econòmics de l'aprenentage de l'idioma Català per part de la població immigrant a Catalunya

En aquest projecte s’han estudiat diferents aspectes relacionats amb l’aprenentatge del català per part de la població immigrant. Aquest es un tema rellevant donat que les habilitats idiomàtiques dels immigrants es una altra forma de capital humà, que no només facilita la seva integració social, sinó que també incrementa les seves oportunitats laborals. En aquest estudi s’ha enfocat l’aprenentatge de l’idioma català per part de la població immigrant com una inversió de la qual es deriven costos i beneficis. Una qüestió rellevant és quins son els incentius que els immigrants que ja parlen el castellà, bé per que és la seva llengua materna o per que l’han après amb posterioritat, tenen per aprendre la llengua catalana. Aquest estudi es encara més interessant si considerem aquells immigrants que no tenen un nivell fluït del castellà, i encara més els que arriben a Catalunya sense conèixer cap de les dues llegües oficials. Aquest estudi es centra en els determinants econòmics i demogràfics del nivell de coneixement del català entre els immigrants a Catalunya. En aquest sentit, és clau determinar el rol que juguen variables com el grau d’exposició, eficiència i els incentius econòmics, com per exemple les conseqüències laborals (salaris i oportunitat de treball). Tanmateix, també es important determinar si viure en entorns on hi ha una gran concentració d’immigrants d’un mateix país exerceix un efecte depressor en l’aprenentatge del català per part dels immigrants. La segona part del projecte ha consistit en estimar un model per contrastar la hipòtesi de si el coneixement del català per part dels immigrants implica un millor salari. Per altra banda, també analitzarem si aquest coneixement del català implícita tenir accés a millors oportunitats de treball. La confirmació d’aquestes hipòtesis implicaria que els immigrants realment tenen un incentiu econòmic per invertir en l’aprenentatge del català.     

Studying the micro-angels approach to micro-investment decisions

Purpose: The paper analyzes the micro-angels investment behaviour, looking both to the criteria used in the selection of their investment projects and to the characteristics of their guidance role during the investment period. Design/Methodology/Approach: The paper focuses on a double bottom line movement of French micro-angels clubs that has been operating since 1983. Our primary source of data is an online survey carried out during March 2012, asking members of clubs all over France for different aspects of their procedures. Findings: Our findings suggest that micro-angels are interested in small, socially or environmentally friendly projects having the potential to contribute to the development of their neighbourhood. We find that women are even more interested than men in such projects. Educated micro-angels value entrepreneurial motivation and understanding of the project more than less-educated micro-angels. We also point out the factors that micro-angels consider important in accompanying enterprises. Here we find that gender makes little difference. However, retired micro-angels value financial diagnosis made conjointly with entrepreneurs, while both active micro-angels and educated micro-angels value more the use of their network to help micro-entrepreneurs. Practical/Social Implications: Given the potential benefits of micro-angels investing and guiding the development of micro-enterprises, a social micro-angel investment on a major scale in developing countries could help in tackling some of the problems faced by the development of microfinance, such as the over-indebtedness of micro-entrepreneurs. Practitioners and new initiatives would gain from understanding what adaptations need to be made. Originality/value: We expect to add to the venture capital theory to take into account non-economic motives.

Shelby County, Independent Auditor's Reports, Basic Financial Statements and Supplementary Information, Schedule of Findings and Questioned Costs, June 30, 2004

County Audit Report

Warren County, Independent Auditor's Reports, Basic Financial Statements and Supplementary Information, Schedule of Findings and Questioned Costs, June 30, 2004

County Audit Report

A-1 Monthly Public Assistance Statistical Report Family Investment Program, February 2005

Monthly Public Assistance Statistical Report Family Investment Program

Poweshiek County, Independent Auditor's Reports, Basic Financial Statements and Supplementary Information, Schedule of Findings and Questioned Costs, June 30, 2004

County Audit Report

City of Atlantic, Independent Auditor's Reports, Basic Financial Statements and Supplementary Information, Schedule of Findings and Questioned Costs, June 30, 2004

City Audit Report

Fremont County, Independent Auditor's Reports, Basic Financial Statements and Supplementary Information, Schedule of Findings and Questioned Costs, June 30, 2004

County Audit Report

Washington County, Independent Auditor's Reports, Basic Financial Statements and Supplementary Information, Schedule of Findings and Questioned Costs, June 30, 2004

County Audit Report

Audubon County, Independent Auditor's Reports, Basic Financial Statements and Supplementary Information, Schedule of Findings and Questioned Costs, June 30, 2004

County Audit Report

A-1 Monthly Public Assistance Statistical Report Family Investment Program, March 2005

A-1 Monthly Public Assistance Statistical Report Family Investment Program