OBJECTIVE To explore financial wellness (FW) awareness amongst public and private sector medical college students of Karachi. METHODS A cross sectional questionnaire based survey was conducted on medical students from 3 public and 5 private sector medical colleges of Karachi from February 2011 to December 2011. All ethnic groups having age range of 18-23 years were included. A questionnaire t...

OBJECTIVES In low- and middle-income countries, patients and reimbursement agencies that purchase medicines in the private sector pay more for originator brands when generic equivalents exist. We estimated the savings that could be obtained from a hypothetical switch in medicine consumption from originator brands to lowest-priced generic equivalents for a selection of medicines in 17 countries....

By comparing 401(k) eligible and ineligible households’ wealth, this paper estimates that, on average, about one half of 401(k) balances represent new private savings, and about one quarter of 401(k) balances represent new national savings. Responses to eligibility vary considerably, however, with households who normally save the most largely contributing funds they would have saved anyway. Thi...

In a privatization competition, private contractors bid against an in-house team to perform a governmental function that is currently performed by the in-house team. The Department of Defense initiated 3,500 privatization competitions from 1978 to 1994, generating estimated annual savings of $1.46 billion. We estimate a reduced-form model of the savings from these competitions that takes into a...

INTRODUCTION Voice over Internet Protocol (VoIP) is the enabling technology for this service integration. In short, 64Kbps voice is converted into data packets and transferred over the data backbone. The savings of voice and data over a single corporate network can be considerable and the technology exists. But where does a company begin? This article reviews the enabling technologies and prese...

We consider a growth model in which intergenerational transfers are made via stocks of private and public capital. Private capital is the outcome of individuals’private savings while decisions regarding public capital are made collectively. We hypothesize that private saving choices evolve through individual selection while public saving decisions are the result of group selection. The main res...

The savings upon which so many of our people rely for their support in old age, or to gain earlier independence, are constantly diminished in value. If the inflation gains sufficient power it can easily offset any interest which the ordinary savings account or insurance policy can pay. Workers who are beneficiaries of large investments in private and public pension funds find themselves among t...

In order to investigate the issues in measurement of value of travel time savings (VTTS), the willingness-to-accept (WTA) for the private car owner is studied by using surveyed data. It is convincing that trip purpose, trip length, time savings, cost savings, income, and allowance from employee have effects on the WTA. Moreover, influences of these variables are not the same for different trip ...

International efforts to increase the quality and efficiency of health care services may be creating financial savings that can be used to improve population health. This article examines evidence that such savings (ie, a quality/efficiency or value dividend) are accruing and how they have been allocated and assesses the prospects for reallocating future savings to improve population health. Sa...

One legacy of the Federal ALP government initiatives under enterprise bargaining was to compel private sector health workers to seek wage increases through actual dollar savings at the enterprise level. In aged care, a cap of 1.8 per cent was imposed by the government on the funding of award wage increases. Funding grants set per bed discouraged additional revenue being raised directly from age...