decisions

New tool to aid evidence-based decisions on how to eradicate alien species

A new tool to help environmental managers make faster, more evidence-based decisions on how to eradicate alien aquatic species has been developed. The tool is a statistical model based on over 140 management case studies in the scientific literature. Packaged as a user-friendly computer program, it allows different management options to be easily compared.




decisions

Involving communities in contaminated land decisions: researchers recommend guidelines

A new approach giving practical guidance for engaging communities in assessing and managing risks associated with re-development of contaminated land could help to smooth local decision making processes. It recommends a set of principles that risk managers and policymakers can use to shape their community engagement activities.




decisions

Coastal ecosystem services’ valuation by stakeholders improves planning decisions

A framework to value marine and coastal zone ecosystem services, which acknowledges but transcends monetary value, has been proposed by researchers. Using this approach, coastal managers can integrate the different values placed on ecosystem goods and services by various stakeholders to assess how these values affect planning decisions.




decisions

All bad technology decisions are made in good times

A CIO talks about the need to make judicious technology spends in the good times.




decisions

Vaccination decisions strongly influenced by social networks

A new study finds that the decision to vaccinate a child is as much social and cultural as it is science-based.



  • Babies & Pregnancy

decisions

Cheap gas translates into dumb car-buying decisions

Going for the guzzlers when oil prices are cyclical simply isn't smart.




decisions

Maintaining profitability important in big banks’ interest rate cut decisions

27 April 2020

Maintaining profits was a major consideration for the big four banks as they weighed whether to reduce mortgage rates in line with Reserve Bank of Australia cash rate cuts during 2019, the ACCC has found.

The ACCC’s Home Loan Price Inquiry interim report, released today, shows that the big four banks considered various factors as they decided whether to pass on the RBA’s June, July and October 2019 rate cuts. But recovering profits was central to their decisions to not always fully pass through the lower rates to mortgage customers.

“The banks were attempting to shore up their profitability during a period of low interest rates,” ACCC Chair Rod Sims said.

“It was their strong preference, after the RBA’s cuts, not to further reduce the rates customers were earning on some deposit products as they approached zero per cent.”

“The banks’ reluctance to cut these deposit rates led them to anticipate lower profits, which they aimed to recover by not always fully passing through cash rate cuts to their mortgage customers,” Mr Sims said.

The ACCC’s analysis also found that the big four banks benefitted from a sustained decrease in their funding costs during much of 2019. While headline rates for owner-occupier home loans with principal and interest repayments fell overall during 2018 and 2019, the banks’ funding costs fell even more over the same period.

“We recognise that much has changed in the economic and funding environment since last year. The COVID-19 pandemic has shifted priorities and the banks are playing an important role in supporting the economy,” Mr Sims said.

“However, the inquiry findings shed an important light on bank decision making and raise questions about whether the banks could, at the time, have passed on a higher proportion of those RBA cash rate cuts to their mortgage customers.”

The ACCC’s Home Loan Price Inquiry interim report also shows that although average interest rates charged by the big four banks on home loans fell during 2019, a lack of price transparency and higher interest rates for existing loans continued to cost customers.

The interim report examines home loan prices charged by the big four banks between 1 January 2019 and 31 October 2019. It found that home loan pricing practices continue to make it difficult for consumers to compare different mortgage products.

Headline rates did not accurately reflect the price most big four bank customers actually paid for their home loans, because the overwhelming majority of customers received discounts, including opaque discretionary discounts.

“Given the economic disruption, uncertainty and job losses stemming from the COVID-19 pandemic, many consumers may not be inclined to shop around and ask for discounts from their banks right now,” Mr Sims said.

“However, our analysis shows how that even a small further reduction in interest rates could potentially save thousands of dollars over the life of a mortgage. Consumers should consider this carefully when it is time to re-engage with their lender.”

For example, a customer with an average-sized new, owner-occupier, principal and interest mortgage of $386,000 could save about $5000 on interest payments in the first year if they went from having no discount to receiving the big four banks’ average discount of 128 basis points.

At the end of September, customers with new owner-occupier loans with principal and interest repayments were paying, on average, 26 basis points less than customers with existing loans. The difference was usually even more significant for customers with older loans.

The ACCC’s final report, scheduled for release later this year, will consider barriers to consumers switching to alternative home loan suppliers.

Further information at Home loan price inquiry

Background

On 14 October 2019, the Treasurer, the Hon. Josh Frydenberg MP, issued a direction to the ACCC to conduct an inquiry into the market for the supply of home loans. The specific matters the ACCC was directed to take into account included:

  • prices charged for home loans since 1 January 2019, including:
    • the difference between advertised interest rates and interest rates paid by customers
    • the difference between interest rates paid by new and existing customers
    • home loan suppliers’ pricing decisions following changes in the RBA’s target for the cash rate, including the extent to which changes were due to suppliers’ cost of funds and the timing of the suppliers’ announcements
  • impediments to consumers refinancing to alternative home loan suppliers.

The interim report focuses on the first issue regarding the prices charged for home loans between 1 January 2019 and 31 October 2019 by the big four banks, which account for close to 80 per cent (by value) of home loans held by authorised deposit-taking institutions in Australia. The final report will consider the second issue, impediments to consumer switching.

The big four banks are Australia and New Zealand Banking Group, Commonwealth Bank of Australia, National Australia Bank, and Westpac Banking Corporation.

In preparing the interim report, the ACCC used its compulsory information gathering powers to obtain information and documents from the big four banks, and supplemented its analysis with data supplied by the RBA and the Australian Prudential Regulation Authority. 

The findings in the report reinforce and build on those in the ACCC’s earlier Residential Mortgage Price Inquiry.

Release number: 
84/20
ACCC Infocentre: 

Use this form to make a general enquiry.

Media enquiries: 
Media team - 1300 138 917
Audience




decisions

Jim Allchin's Decisions Named One of the Top Twenty Blues Rock Albums for 2017 by the venerable Roots Music Report

Third solo LP also has two songs named to 2017's Top 200 Blues Songs




decisions

New "Killing Cats Leads to Rats" Book by Richard Franzi Looks at Unintended Consequences of Business Decisions

Examples Include Pepsi, Wells Fargo, Target, Starbucks, Samsung, Volkswagen and more. Foreword by Best-selling Author Marshall Goldsmith




decisions

Florida Immigration Camps And Family Separations Decisions Should Be Tempered By Christian Wisdom Says Donna Louis, Award Winning Florida Author Of 'Book Of Proverbs - Wisdom Vs Wilderness'

Louis is the multi-award-winning author of 'Miracles of Direction' and 'Book of Proverbs: Wisdom Vs Wilderness'




decisions

A Better Approach to Making Decisions

David Garvin, Harvard Business School professor. Also: Judith Ross on retaining your top performers during times of change.




decisions

Why Smart People Make Bad Decisions

Sydney Finkelstein, Tuck School of Business professor and author of "Why Smart Executives Fail: And What You Can Learn from Their Mistakes."




decisions

Better Decisions Through Analytics

Tom Davenport, Babson College professor and coauthor of "Analytics at Work: Smarter Decisions, Better Results."




decisions

Making Decisions in Groups

Tom Davenport, Babson College professor and coauthor of "Judgment Calls: Twelve Stories of Big Decisions and the Teams That Got Them Right."




decisions

Making Good Decisions

Stanford's Ron Howard, one of the fathers of decision analysis, explains how it's done.




decisions

Make Better Decisions

Therese Huston, Ph.D. and author of "How Women Decide," offers research-based tips for both men and women on how to make high quality, defensible decisions -- and sell them to your team.




decisions

Designing AI to Make Decisions

Kathryn Hume, VP of integrate.ai, discusses the current boundaries between artificially intelligent machines, and humans. While the power of A.I. can conjure up some of our darkest fears, she says the reality is that there is still a whole lot that A.I. can't do. So far, A.I. is able to accomplish some tasks that humans might need a lot of training for, such as diagnosing cancer. But she says those tasks are actually more simple than we might think - and that algorithms still can't replace emotional intelligence just yet. Plus, A.I. might just help us discover new business opportunities we didn't know existed.




decisions

The Xpressbet Weekend Bankroll: Decisions, Decisions

For handicappers, it doesn't get much better than Saturday's feast of wagering opportunities, but bettors will have a long, challenging day choosing where the bankroll should be distributed. How big do you wanna go at breakfast with those juicy betting races from Dubai? Then, a half-hour after the World Cup goes off, things keep rolling with […]

The post The Xpressbet Weekend Bankroll: Decisions, Decisions appeared first on Horse Racing News | Paulick Report.




decisions

Factors influencing line officers' decisions about National Environmental Policy Act project design and development.

Prior to the existence of the National Environmental Policy Act (NEPA), Forest Service district rangers had considerable latitude to make resource management decisions and execute management plans with relatively little encumbrance by documentation and process requirements.




decisions

Most shocking free-agent decisions in MLB history

Since the first free agent signing of the modern era back in 1974, there have been several free agent deals that shook the baseball world and realigned power across the Majors. Here's a look at several moves that changed the landscape of baseball, and in some cases, were downright shocking:




decisions

You might feel anxious watching Uncut Gems, or you might simply be annoyed by one man's bad decisions

Uncut Gems is one of those "his own worst enemy" capers. You know, the kind of movie where you sit there for two hours watching some doofus constantly trip over his own laces — usually figuratively, sometimes literally — on the way to a personal epiphany about how all his bad choices and lack of useful self-awareness have led him to whatever unpleasant place they lead him to.…



  • Film/Film News

decisions

Green's Allan Young: It’s vital that we make the best decisions

STRIKING the right balance between decision making and maintaining robust scrutiny and accountability is a constant conversation at the best of times, and is ever more important during a crisis. This played out strongly at the Scottish Parliament this week, and raises important questions for our own council too.




decisions

Dealing With Bad Decisions

'The Bible gives us formulas for practices that will keep us grounded in God and are designed to maximize our happiness. What can we do to seek to keep faith alive in our homes and families, even if we have made wrong decisions in the past?'




decisions

Dealing With Bad Decisions

'The Bible gives us formulas for practices that will keep us grounded in God and are designed to maximize our happiness. What can we do to seek to keep faith alive in our homes and families, even if we have made wrong decisions in the past?'



  • Ezra and Nehemiah

decisions

Episode 0x11: Corporate Licensing Decisions That Impact the Project's Community

Dan Lynch (filling in for Karen) and Bradley discuss a few examples where licensing decisions by companies impacts the health of the software development community.

Show Notes:

Segment 0 (00:00:36)

Segment 1 (00:32:30)

Segment 2 (01:16:09)

Bradley thanked Dan, on behalf of Karen, for all his work to make Free as in Freedom possible.


Send feedback and comments on the cast to <oggcast@faif.us>. You can keep in touch with Free as in Freedom on our IRC channel, #faif on irc.freenode.net, and by following Conservancy on on Twitter and and FaiF on Twitter.

Free as in Freedom is produced by Dan Lynch of danlynch.org. Theme music written and performed by Mike Tarantino with Charlie Paxson on drums.

The content of this audcast, and the accompanying show notes and music are licensed under the Creative Commons Attribution-Share-Alike 4.0 license (CC BY-SA 4.0).




decisions

UW coaches support decisions to cancel spring sports due to coronavirus, but ‘it’s hard on everyone’


UW coaches understand the severity of the coronavirus pandemic and are fully in support of prioritizing health concerns. It’s just that no one could be quite prepared for the abrupt nature of this decision.




decisions

UW coaches support decisions to cancel spring sports due to coronavirus, but ‘it’s hard on everyone’


UW coaches understand the severity of the coronavirus pandemic and are fully in support of prioritizing health concerns. It’s just that no one could be quite prepared for the abrupt nature of this decision.




decisions

Patchwork decisions throw wrinkle in college football plans


There are 130 major college football teams, spread across 41 states and competing in 10 conferences, save for a handful of independents. The goal is to have all those teams start the upcoming season at the same time — whether that’s around Labor Day as scheduled or later — and play the same number of […]




decisions

Automate operational business decisions with Weather Data and Business Rules services on IBM Cloud, Part 1: Get started with a sample weather cancellation service

Businesses can make IT operations smarter by reacting to weather events and automating operational decisions that factor in weather data. This article describes the steps to combine services to automate decisions that consider weather data by running business rules. The business decisions could result in actions such as sending notifications, adjusting prices, generating promotions, triggering IoT devices, or initiating business processes.




decisions

Automate operational business decisions with Weather Data and Business Rules services on IBM Cloud, Part 2: Complete your sample weather cancellation service

In this second installment of a two-part tutorial on how to combine Weather Data and Business Rules IBM Cloud services to automate operational business decisions based on weather conditions, you will take a closer look at the decision operation created in Part 1, learn how to create simple business rules that use weather data and a rule flow that includes these rules, and deploy the decision operation to IBM Cloud. A Node-RED flow will orchestrate a call to the weather data, the Business Rules service, and take action based on the outcome executing business rules.




decisions

Health-care workers face wrenching decisions on how to care for COVID-19 patients

Doctors and other health-care professionals are grappling with the difficult job of caring for patients who won’t survive, tough decisions about who will get a ventilator when equipment runs short and whether they’d want one themselves in the event they become severely ill from novel coronavirus.




decisions

'Heartbreaking decisions': Labor MP Mike Kelly resigns due to health issues

Long-serving Federal Labor MP Mike Kelly ends months of speculation by making the "gut wrenching" decision to resign from Parliament.




decisions

Driver decisions, not dust storm, to blame for fatal head-on truck crash near Truro, SA Police say

Police say poor decisions, not weather conditions, were to blame for a head-on crash between two trucks yesterday, but transport authorities argue it is premature to blame the drivers, given how difficult it can be to pull over to the side of the road.




decisions

How maths can help you with dating, queuing and making good life decisions

Can you use simple maths to figure out your best online dating profile match? Or choose the shortest line in the supermarket? According to mathematician Lily Serna, yes you can.




decisions

Twitter and IBM Form Global Partnership to Transform Enterprise Decisions

Twitter and IBM today announced a landmark partnership that will help transform how businesses and institutions understand their customers, markets and trends – and inform every business decision. The alliance brings together Twitter data that distinctively represents the public pulse of the planet with IBM’s industry-leading cloud-based analytics, customer engagement platforms, and consulting services.





decisions

Which COVID-19 models should we use to make policy decisions?




decisions

Coronavirus is forcing breast cancer patients to make tough decisions

A diagnosis of breast cancer is always accompanied by angst and uncertainty. It's even more fraught when it comes in the midst of the coronavirus crisis.




decisions

Indy Film Fest: Bad decisions fuel road-trip comedy directed by IU grad Hannah Fidell

Indiana University grad Hannah Fidell directed 'The Long Dumb Road,' closing-night movie at this year's Indy Film Fest.

       




decisions

As Indiana reopens, parents returning to work need to make decisions about child care

As Indiana prepares to reopen its economy during coronavirus, parents who are returning to work are facing a new challenge about childcare.

       




decisions

CBD News: Decisions adopted by the Conference of the Parties at its Ninth Meeting (advance version-subject to final clearance).




decisions

CBD Press Release: The 67th session of the United Nations General Assembly has recognized the importance of recent decisions adopted by the Conference of the Parties to the Convention on Biological Diversity (CBD), including those dealing with implemen




decisions

How to Make Sound Decisions with Limited Data During the Coronavirus Pandemic

Thursday, April 2, 2020 - 13:00

Coronavirus presents an unprecedented predicament: Everyday, leaders must make momentous decisions with life or death consequences for many—but there is a dearth of data. Oded Netzer is a Columbia Business School professor and Data Science Institute affiliate who builds statistical and econometric models to measure consumer behavior that help business leaders make data-driven decisions. Here, he discusses how leaders from all fields can make sound decisions with scarce data to guide them.




decisions

Lockdown Losses: Lack of Government Transparency during COVID-19 Pandemic Holds Back Businesses from Taking Risks, Making Financial Decisions

Thursday, April 30, 2020 - 14:15

NEW YORK – Since the coronavirus outbreak began, states across the U.S. have implemented stay-at-home orders, disrupting businesses and causing many to shut down. In addition, almost half of U.S. states from New York to Oregon have extended their lockdown orders beyond the original end date. These extensions of lockdown policy, while clearly beneficial to address public health concerns, can damage the economy beyond their immediate impact on business closures and layoffs.




decisions

Which COVID-19 models should we use to make policy decisions?

(Penn State) A new process to harness multiple disease models for outbreak management has been developed by an international team of researchers. The team will immediately implement the process to help inform policy decisions for the COVID-19 outbreak.




decisions

Bell facing tough decisions for OF alignment

Reds manager David Bell has great corner outfield depth, but he doesn't have a regular center fielder. Determining who will get to play where and sorting out the log jam should be a challenge for Bell in his first season as a skipper in the big leagues.




decisions

Professorship in decision making at Wharton, Operations, Information and Decisions (OID), University of Pennsylvania

APPLICATION DEADLINE OCTOBER 15, 2019 The Operations, Information and Decisions Department at the Wharton School is seeking applicants for a full-time, tenure track, Assistant Professor faculty position in the area of decision-making. Our decision-making faculty is comprised of scholars with a diverse set of backgrounds and interests, and we encourage applicants with degrees in economics, […]

The post Professorship in decision making at Wharton, Operations, Information and Decisions (OID), University of Pennsylvania appeared first on Decision Science News.




decisions

Patchwork decisions throw wrinkle in college football plans

There are 130 major college football teams, spread across 41 states and competing in 10 conferences, save for a handful of independents. The goal is to have all those teams start the upcoming season at the same time - whether that's around Labor Day as scheduled or later - and play the same number of games. Despite the best intentions of conference leaders, the possibility exists of college football being played in SEC country before it begins in Pac-12 territory - or something else entirely.




decisions

South Australian Civil and Administrative Tribunal significant decisions / presented by the Hon. Justice Greg Parker PSM.




decisions

Confiscation of assets : forfeiture, foreclosure and forlorn : a review of recent decisions under the Criminal Assets Confiscation Act 2005 (SA) / presented by His Honour Judge Tilmouth, District Court of South Australia.