• Title/Summary/Keyword: Savings

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A Comparison of Male and Female Middle-Aged Salaried Workers' Retirement Plans: Economic Preparation and Health Care Plans (중년기 남녀 봉급생활자의 은퇴계획 비교 분석 : 경제적 준비와 건강준비를 중심으로)

  • Hong Sung-Hee;Kwak In-Sook
    • Journal of Families and Better Life
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    • v.24 no.1 s.79
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    • pp.193-207
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    • 2006
  • The purpose of this study was to analyze middle-aged salaried workers' retirement plans and the factors that affect the plans. The main point of this study was to compare male workers with female workers on their economic preparation and health care plans. The major findings were as follows; First, middle-aged salaried workers perceived their level of economic retirement plan to be relatively low. Second, the factors the affected the level of economic preparation for post-retirement were their current subjective economic level, age, household assets and debts, economic and health problems expected in their future elderly life, and savings and assets reserved for their elderly life. Third, the factors that affected whether to put aside savings for elderly life or not were age, current subjective economic level, capital assets, and savings and assets reserved for their elderly life. Fourth, the level of preparation for post-retirement health care depended on health problems expected in their elderly life, current subjective economic level, locus of control, job, and expected retirement age. Overall, the factors that affect male salaried workers' economic and health care plans were different from those of female salaried workers. From the findings, it can be concluded that the middle-aged salaried workers' level of economic retirement plans was different from that of their health care plans. Also, male salaried workers' level of retirement plan were different from that of female workers.

Study on the Cost Savings and Maximize Marketing Effect to Efficiency of Enterprise Messaging Service (마케팅 효과 극대화 및 비용절감 효과성에 대한 기업용 메시징서비스 효율화 연구)

  • Jang, Mun-ik;Jeong, Jae-hun;Choi, Myeong-gil
    • Journal of Digital Convergence
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    • v.14 no.10
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    • pp.311-317
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    • 2016
  • In a smart commerce market, customers are seeking customized shopping services optimized for personal tastes and customized shopping experiences based on customers' tastes. Accordingly, individually customized services are needed more than anytime now. According to this demand, companies provide messaging services to the consumer, but do not include a personalized service for each individual. The purpose of this study is to combine the techniques of personalized services with messaging services and presents system construction plan and integrated model system for corporate messaging services and thereby possible are maximizing marketing effects and analyzing effects of cost savings. Applying the operation of the integrated model is proposed and message transmission scheme through effective personalization can be applied to personalized model using the personalized information according to customers' requirements. The integrated model of personalization on this study is expected to be highly effective when combined with the search service.

Effects of Keeping Financial Records on Financial Soundness of Households (가계부 기록이 가계의 재무건전성에 미치는 영향)

  • Son, Jiyeon;Park, Jooyung
    • Journal of Families and Better Life
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    • v.34 no.3
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    • pp.113-128
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    • 2016
  • The Purpose of this study is to find the levels of keeping financial records among Korean households and to reveal the effect of keeping financial records on financial soundness of households. The 2014 Consumer Empowerment Index of the Korean consumer agency, which includes the surveyed results of 1,000 individuals, was analyzed as a secondary dataset. As a result, the following findings emerged during the study. First, 25.9% of consumers replied that they were keeping financial records. Factors associated with keeping financial records were gender and income. Women were more likely to keep financial records than men. Also, income had significant effects on keeping financial records. Second, levels of meeting percentages of financial ratios were highest in the debt to income ratio, which was 81.5%, and lowest in the investment ratio, which was 14.5%. Furthermore, 52.6% met the savings ratio, 40.6% met the emergency funds ratio, 24.6% met the retirement savings ratio. Meeting a percentage of the savings ratio did not fluctuated for 16 years, although the debt to income ratio has decreased around 15% since 1998. Third, keeping a household account book had signigicant influences on meeting percentages of financial ratios. Magnitudes of effects ranged between 1.4-1.8 odds, which were as much as the income effects. In summary, effects of keeping financial records were evidenced in this study. It is suggested that the importance of keeping financial records should be stressed in financial education and counseling programs.

A Verification of the Project Manager-Oriented Model for Apartment Construction in the Public Sector (공공 아파트건설의 PMr형 사업관리모델에 대한 실증적 사레검증)

  • Sohn Jeong-Rak;Kim Jae-Jun
    • Korean Journal of Construction Engineering and Management
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    • v.5 no.6 s.22
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    • pp.191-202
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    • 2004
  • In this study, the project manager-oriented organization model has been verified by analysing it with forming a clear definition of detailed unitary duty entity to develop current non-efficient CM system constituted by functional organization with the decentralized responsibility and apply the model As a result from verification that the model provides valid solutions by comparing it with the existing, the model is better than the existing in cost savings, target profit sales rate, total rate of new on sales. Moreover, various activities in cost savings and cases where improvement is feasible are executed. However, the model caused some problems in organizational operation, project management and in division of duties so this study proposed improving management method

Estimation of Reasonable Price of Battery Energy Storage System for Electricity Customers Demand Management (전력소비자 수요관리용 전지전력저장시스템의 적정 가격 산정)

  • Kim, Seul-Ki;Cho, Kyeong-Hee;Kim, Jong-Yul;Kim, Eung-Sang
    • The Transactions of The Korean Institute of Electrical Engineers
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    • v.62 no.10
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    • pp.1390-1396
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    • 2013
  • The paper estimated the reasonable market price of lead-acid battery energy storage system (BESS) intended for demand management of electricity customers. As time-of-use (TOU) tariffs have extended to a larger number of customers and gaps in the peak and off-peak rates have gradually risen, deployment of BESS has been highly needed. However, immature engineering techniques, lack of field experiences and high initial investment cost have been barriers to opening up ESS markets. This paper assessed electricity cost that BESS operation could save for customers and, based on the possible cost savings, estimated reasonable prices at which BESSs could become a more prospective option for demand management of customers. Battery scheduling was optimized to maximize the electricity cost savings that BESS would possibly achieve under TOU tariffs conditions. Basic economic factors such as payback period and return on investment were calculated to determine reasonable market prices. Actual load data of 12 industrial customers were used for case studies.

Cost savings for paper machines with automation solution packages (초지기 자동화 해법에 의한 운전비용 절감대책)

  • Sorsa, Jukka
    • Proceedings of the Korea Technical Association of the Pulp and Paper Industry Conference
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    • 2007.05a
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    • pp.83-125
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    • 2007
  • Increasing energy costs have caused profitability problems for paper suppliers. Therefore unprofitable lines are being closed down. The actions aiming for improved profits are focused either on cost savings or on increasing the capacity of the remaining machines. The runnability of a paper machine and its total efficiency have a significant effect on energy consumption. Producing one ton of waste paper consumes at least as much energy as producing the same amount of sellable end product. New automation solutions enable significant cost-effective improvements to the total efficiency of a line without large investment projects. The measures focus on minimizing changes, interruptions, interruption recovery times and grade change times. Newest actuators, online quality measurements and wet end analysators create an improvement potential, which can be optimally implemented with the latest machine direction control solutions, based on model predictive control concepts. Equally, drying management is significant to the energy consumption. The newest control strategies optimize the use of various drying actuators for different situations; either by responding to changes as efficiently as possible or by using only the cheapest energy sources in stable situations. An even steam supply, which is vital for paper machines, is achieved with control for the power plant steam network. This makes possible to avoid the delays upon starting the paper machine and assure an even steam supply for the drying section and the actuators. This document describes means which have brought significant energy and raw material savings for paper machines. Metso Automation has provided efficiency improvement packages, which are usually based on optimized control of dry weight and drying in all running conditions. The solutions are based on performance analysis, on which the estimations for improvement potential and the necessary actions are based on. Typically benefits on an annual level have been from hundreds of thousands of euros to over one million euro. For example, variations in dry weight have been decreased more than 50%. The results are presented with a few examples. Additionally, the analysis models, adjustment solutions and the changes in running methods with which the results were achieved, are presented.

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Online Games Traffic Multiplexing: Analysis and Effect in Access Networks

  • Saldana, Jose;Fernandez-Navajas, Julian;Ruiz-Mas, Jose;Casadesus, Luis
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.6 no.11
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    • pp.2920-2939
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    • 2012
  • Enterprises that develop online games have to deploy supporting infrastructures, including hardware and bandwidth resources, in order to provide a good service to users. First Person Shooter games generate high rates of small UDP packets from the client to the server, so the overhead is significant. This work analyzes a method that saves bandwidth, by the addition of a local agent which queues packets, compresses headers and uses a tunnel to send a number of packets within a multiplexed packet. The behavior of the system has been studied, showing that significant bandwidth savings can be achieved. For certain titles, up to 38% of the bandwidth can be saved for IPv4. This percentage increases to 54% for IPv6, as this protocol has a bigger overhead. The cost of these bandwidth savings is the addition of a new delay, which has an upper bound that can be modified. So there is a tradeoff: the greater the added delays, the greater the bandwidth savings. Significant reductions in the amounts of packets per second generated can also be obtained. Tests have been deployed in an emulated scenario matching an access network, showing that if the number of players is big enough, the added delays can be acceptable in terms of user experience.

Effects of Maximal Sterile Barrier Precaution on the Central Venous Catheter-related Infection and Cost (중심정맥관 삽입시 최대멸균 차단법이 중심정맥관 관련 감염률과 비용에 미치는 효과)

  • Lim, Jung-Hye;Kim, Nam-Cho
    • Korean Journal of Adult Nursing
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    • v.22 no.3
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    • pp.229-238
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    • 2010
  • Purpose: The purpose of this study was to examine the effect of maximal sterile barrier precaution on the central venous catheter-related infection and subsequent cost savings. Methods: Study subjects were 462 hospitalized patients with central venous, catheter of more than 48 hours duration. Data collection period was from April 2008 to February 2009 at a tertiary university hospital in Seoul. Subjects were randomly assigned to either the treatment or the usual care group. Patients in the treatment group (n=209) were treated by staff using maximal sterile barrier precautions and the comparison group(n=253) received traditional care. Results: Central venous catheter-days was2,821 in treatment group and 3,515 in comparison group. The incidence density of central venous catheter-related infection was 2.1 times higher in the comparison group (8.2 per 1,000 catheter-days) compared with the treatment group (3.9 per 1,000 catheter-days). The incidence density of central venous catheter-related bloodstream infection was 4.54 times higher than in the comparison group (3.2 per 1,000 catheter-days) compared with the treatment group (0.7 per 1,000 catheter-days). The attributable cost of central venous catheter-related infection in the treatment group was 10,174,197 won and that of the comparison group was 22,224,554 won. Attributable cost by area was also significantly lower compared with that of the comparisons. Conclusion: The maximal sterile barrier precaution during central venous catheter insertion was an effective intervention to reduce central venous catheter-related infection rate and provides a significant cost savings.

The Improvement of Housing Affordability by Transportation Savings in the Suburbs of Seoul Metropolitan (통근비용절감을 통한 서울근교도시 거주자의 주택구입능력 개선효과)

  • Choi, Jung-Woo;Baek, Sung-Joon;Lee, Jong-Hoon
    • Journal of the Korean housing association
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    • v.23 no.5
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    • pp.31-39
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    • 2012
  • This study has analyzed the effect of the housing affordability improvement of the residents in the metropolitan areas, applying Transit Supportive Home Loan (TSHL) which extends the loan amount according to the transportation cost saving based on Location Efficiency Mortgage (LEM) System in the USA. The previous studies focused on introducing LEM system to Korea, whereas this study has analyzed TSHL effect for the first time, taking into account the situation in Korea. For analysis, The Transportation Savings (TS) is calculated and Housing Affordability Index (HAI) is drawn by applying increased TS and DTI (Debt to Income), so the improvements of housing purchasing ability is examined by HAI's improvement. As a result, transit commute 1 (having own car) and transit commute 2 (without having own cars) respectively produce the TS of monthly average 36 thousand won and 110 thousand won in comparison with car using commute. Each additional loan (TSHL) amounts to 16.57 million won and 54.07 million won. As the distance is farther and the house price cheaper, the improvement of HAI is more outstanding. City hall area showed the highest improvements of HAI by 9.3% (transit commute 1) and 21.9% (transit commute 2) increase, in comparison with car using commute.