What is probably the largest single closed loop ground-coupled water loop heat pump system has been installed and been operational since January 1994 at Richard Stockton College. The energy savings, heat flow into and out of the closed loop well field, well field temperature and aquifer flow, as well as the microbiology of the aquifers and geochemistry are all being monitored. Computer simulati...

Chapters 3, 4 and 5 have introduced the tradition of green national accounting that has now become well established. The basic principles of this tradition are commonly understood by most practitioners to involve accounting for the consumption and accumulation of produced, human and natural capital, assuming the different capital stocks are infinitely substitutable (weak sustainability). One pa...

People make systematic and predictable mistakes regarding estimations of average speed and journey time. In addition, people have been shown to commit a time-saving bias by underestimating the time that can be saved when increasing from a low speed and overestimating the time that can be saved when increasing from a relatively high speed. These misestimations have been shown to relate to biases...

___________________________________________________________________ A problem facing the United States is financing retirement consumption as its population ages. Policy analysts increasingly advocate savings-for-retirement systems, but are concerned with insufficient savings opportunities with limited government debt. This concern is unwarranted. First, there is more productive capital than co...

When households increase their deposits in formal bank savings accounts, what is the source of the money? We combine high-frequency surveys with an experiment in which a Sri Lankan bank used mobile Point-of-Service (POS) terminals to collect deposits directly from households each week. We find that the headwaters of formal savings are in sacrificed leisure time: households work more, with evide...

Recent financial inclusion literature suggests that financial services may help poor households cope with shocks. I investigate the types of shocks faced by poor households in rural El Salvador, and the role of savings groups in helping members cope. Using in-depth interviews, surveys and econometric analysis, I find that nearly all households experienced a negative shock in the previous year, ...

We consider a formal approach to comparative risk aversion and applies it to intertemporal choice models. This allows us to ask whether standard classes of utility functions, such as those inspired by Kihlstrom and Mirman (1974), Selden (1978), Epstein and Zin (1989) and Quiggin (1982) are well-ordered in terms of risk aversion. Moreover, opting for this model-free approach allows us to establi...

Sustainable HCI has seen a large growth in the amount of research taking place in the field. However, are we taking the most effective route to generating sustainable sustainability? In the Sustainable HCI community, a large focus of the research has been on persuasive psychological techniques to change individuals’ behaviours to be sustainable. Nevertheless, individual behaviour change has lim...

AIM To examine the effects of work participation, intergenerational transfers and savings on the life satisfaction of older community-dwelling Malaysians. METHOD Data from the 1999 Survey on Perceptions of Needs and Problems of the Elderly on people aged 60 and over were used. The life satisfaction score was constructed from 10 questions adopted from the Life Satisfaction Inventory-A by Neuga...

S AVINGS INSTITUTIONS, credit unions, and commercial banks all offer a generally similar se­ lection of financial services, though each differs in the ability to make certain kinds of loans.1 As a result, many personal sector customers of these institutions would likely be unable to identify any distinguishing characteristics. Indeed, savings institutions and com­ mercial banks sometimes change...