The Value of Water
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Drinking Water Treatment Systems
Drinking Water Facts….. Drinking Water Treatment Systems By: Barbara Daniels and Nancy Mesner Revised December 2010 If your home water comes from a public water supply, it has been tested and meets EPA standards for drinking water. If you use a private well, however, you are responsible for assuring that the water is safe to drink. This means that you should periodically have your water tested, make sure your well is in proper condition without faulty well caps or seals, and identify and remove potential sources of con- tamination to your well such as leaking septic systems or surface contamination. With a private well, you are also responsible for any treatment your water may need if it contains harm- ful pollutants or contaminants that affect the taste, odor, corrosiveness or hardness of the water. This fact sheet discusses different types of water treatment systems available to homeowners. Addressing the source of the problem is often less costly in the long run than installing and maintaining a water system. For more information on identifying pollutant sources, problems with your well, or help in testing your well water, see the references at the end of this fact sheet. There are many types of water treatment systems available. No one type of treatment can address every water quality problem, so make sure you purchase the type of equipment that can effectively treat your particular water quality issue. The table below can help direct you to the right solution for your prob- lem. Drinking Water Facts….. What type of water treatment is needed? The table below lists common water contamination problems. -
19. Water Treatment Plants. the Introduction (Chapter 1) for These
Chapter 4 – Specifications Designs 19. Water Treatment Plants 19. Water Treatment Plants. The Introduction (Chapter 1) for these design data collection guidelines contains additional information concerning: preparing a design data collection request, design data collection requirements, and coordinating the design data collection and submittal. The following is a list of possible data required for specifications design of water treatment facilities. The size and complexity of the process system and structures should govern the amount and detail of the design data required. A. General Map Showing: (1) A key map locating the general map area within the State. (2) The plant site and other applicable construction areas. (3) Existing towns, highways, roads, railroads, public utilities (electric power, telephone lines, pipelines, etc.), streams, stream-gauging stations, canals, drainage channels. (4) Existing or potential areas or features having a bearing on the design, construction, operation, or management of the project feature such as: recreation areas; fish and wildlife areas; building areas; and areas of archeological, historical, and mining or paleontological interest. The locations of these features should bear the parenthetical reference to the agency most concerned: for example Reclamation. (5) County lines, township lines, range lines, and section lines. (6) Locations of construction access roads, permanent roads, and sites for required construction facilities. (7) Sources of natural construction materials and disposal areas for waste material, including the extent of mitigation required. (a) Location of disposal areas for debris, sediment, sludge, and spent chemicals from cleaning or storage solutions. (8) Water sources to be treated such as surface water or underground water. (9) Location of potential waste areas (i.e., channels). -
Confronting Financial Crisis: Dodd-Frank's Dangers and the Case for a Systemic Emergency Insurance Fund
Confronting Financial Crisis: Dodd-Frank's Dangers and the Case for a Systemic Emergency Insurance Fund Jeffrey N. Gordon & Christopher Mullert Inherent tensions in the financial sector mean that episodes of extreme stress are inevitable, if unpredictable. This is true even when financial regulatory and supervisory regimes are effective in many respects. The government's capacity to intervene may determine whether distress is confined to the financial sector or breaks out into the real economy Although adequate resolution authority to address a failingfinancialfirm is a necessary objective of the current regulatory reforms, a firm-by-firm approach cannot address a major systemic failure. Major blows to the financial system, such as the financial crisis of 2007-2009, may require capital support of the financial sector to prevent severe economic harm. We therefore propose the creation of a Systemic Emergency Insurance Fund ("SEIF" or "Fund"), initially set at $1 trillion, but periodically rescaled to the size of the U.S. economy. SEIF should be funded (andpartially pre-funded) by risk-adjusted assessments on all large financial firms -including hedge funds -that benefit from systemic stability. The Department of the Treasury ("Treasury") would administer the Fund, the use of which would be triggered by a "triple key" concurrence among the Treasury, the Federal Deposit Insurance Corporation ("FDIC"), and the Federal Reserve ("Fed"). Unlike taxpayer "bailouts," such a fund would mutualize systemic risk among financial firms through a facility overseen by regulators. Moreover, its funding mechanism would give financial firms a greaterincentive to warn regulatorsof growing systemic risk. And this standby emergency authority would avoid the need for high-stakes legislative action mid-crisis, which can be destabilizing even ifsuccessful and catastrophicif not. -
Chapter 5 Risk Adjusted Value
1 CHAPTER 5 RISK ADJUSTED VALUE Risk-averse investors will assign lower values to assets that have more risk associated with them than to otherwise similar assets that are less risky. The most common way of adjusting for risk to compute a value that is risk adjusted. In this chapter, we will consider four ways in which we this risk adjustment can be made. The first two approaches are based upon discounted cash flow valuation, where we value an asset by discounting the expected cash flows on it at a discount rate. The risk adjustment here can take the form of a higher discount rate or as a reduction in expected cash flows for risky assets, with the adjustment based upon some measure of asset risk. The third approach is to do a post-valuation adjustment to the value obtained for an asset, with no consideration given for risk, with the adjustment taking the form of a discount for potential downside risk or a premium for upside risk. In the final approach, we adjust for risk by observing how much the market discounts the value of assets of similar risk. While we will present these approaches as separate and potentially self-standing, we will also argue that analysts often employ combinations of approaches. For instance, it is not uncommon for an analyst to estimate value using a risk-adjusted discount rate and then attach an additional discount for liquidity to that value. In the process, they often double count or miscount risk. Discounted Cash Flow Approaches In discounted cash flow valuation, the value of any asset can be written as the present value of the expected cash flows on that asset. -
Household Water Treatment Filters Product Guide Table of Contents
Household Water Treatment Filters Product Guide Table of contents 1. Introduction ...............................................................1 2. Key parameters ............................................................2 3. Filter categories ............................................................4 4. Validation methods .........................................................22 5. Local procurement .........................................................24 First edition, April 2020 Disclaimer: The use of this product guide is strictly for the internal purposes of the United Nations Children’s Fund (UNICEF) and in no way warrants, represents or implies that it is a complete and thorough evaluation of any of the products mentioned. This guide does not constitute, and should not be considered as, a certification of any of the products. The models and products included in this guide are for information purposes only, the lists are not exhaustive, and they do not represent a catalogue of preferred products. This guide is not to be used for commercial purposes or in any manner that suggests, or could be perceived as, an endorsement, preference for, or promotion of, the supplier’s products by UNICEF or the United Nations. UNICEF bears no responsibility whatsoever for any claims, damages or consequences arising from, or in connection with, the product guide or use of any of the products by any third party. Cover photo: © UNICEF/UNI127727/Vishwanathan 1 Introduction The provision of safe drinking water for all, in an average family size of five persons per sufficient quantities, is a key priority for UNICEF household. Solar disinfection is discussed in this and other water, sanitation and hygiene (WASH) guide, as the other main non-chemical method actors, be it at the onset of an emergency or in of water treatment (along with boiling). -
A Practical Guide to Implementing Integrated Water Resources Management and the Role for Green Infrastructure”, J
A Practical Guide to Implementing Integrated Water Resources Management & the Role of Green Infrastructure Prepared for: Prepared for: Funded by: Prepared by: May 2016 ACKNOWLEDGEMENTS Environmental Consulting & Technology, Inc. (ECT), wishes to extend our sincere appreciation to the individuals whose work and contributions made this project possible. First of all, thanks are due to the Great Lakes Protection Fund for funding this project. At Great Lakes Commission, thanks are due to John Jackson for project oversight and valuable guidance, and to Victoria Pebbles for administrative guidance. At ECT, thanks are due to Sanjiv Sinha, Ph.D., for numerous suggestions that helped improve this report. Many other experts also contributed their time, efforts, and talent toward the preparation of this report. The project team acknowledges the contributions of each of the following, and thanks them for their efforts: Bill Christiansen, Alliance for Water Efficiency James Etienne, Grand River Conservation Christine Zimmer, Credit Valley Conservation Authority Authority Cassie Corrigan, Credit Valley Conservation Melissa Soline, Great Lakes & St. Lawrence Authority Cities Initiative Wayne Galliher, City of Guelph Clifford Maynes, Green Communities Canada Steve Gombos, Region of Waterloo Connie Sims – Office of Oakland County Water Julia Parzens, Urban Sustainability Directors Resources Commissioner Network Dendra Best, Wastewater Education For purposes of citation of this report, please use the following: “A Practical Guide to Implementing -
Gauging Systemic Risks from Hard-To-Value Assets in Euro Area Banks’ Balance Sheets
Box 7 Gauging systemic risks from hard-to-value assets in euro area banks’ balance sheets Prepared by Michał Adam and Katri Mikkonen Uncertainty associated with hard-to-value securities on bank balance sheets can affect market perceptions of banks, especially during periods of stress. Fair value assets on bank balance sheets are classified into three categories: (i) those which are easy to value and based on quoted market prices (level 1 (L1) assets); (ii) those that are harder to value and only partially derive from quoted market prices (level 2 (L2) assets); and (iii) those that are particularly complex and the valuation of which is based on models instead of observed prices (level 3 (L3) assets). While the accounting standards provide the principles for the allocation of assets to the L2/L3 categories, they also leave some room for interpretation, which can result in different choices across banks. Valuation uncertainties can be problematic in times of stress should they lead investors to mistrust the value of banks’ assets, and in turn trigger liquidity or deleveraging pressures – not least if valuations behave in a correlated manner across banks or are concentrated in systemic banks. Worsening market liquidity conditions that would possibly also lead to reclassifications of assets into the L3 category could further amplify the effect. Against this background, this box first looks at the magnitude and distribution of L2/L3 assets in euro area banks’ balance sheets, and second at their impact on market perceptions of banks through the lens of price-to-book (P/B) ratios during normal and stressed times. -
Risk Management (Online Only)
Risk management Risk management (Online Only) 18 Swiss Re | Financial Report 2020 Risk management Swiss Re | Financial Report 2020 19 Risk management Internal control system and risk model regulatory requirements which Swiss Re is subject to, including compliance, legal and tax risks Internal control system • Effectiveness and efficiency of The internal control system is overseen by operations − addressing basic business the Board of Directors of Swiss Re Ltd and objectives, including performance and the Group Executive Committee. It aims to profitability goals, and the safeguarding provide reasonable oversight and assurance of assets covering significant market, in achieving three objectives: credit, liquidity, insurance, technology • Reliability of reporting − addressing the and other risks preparation of reliable reporting arrangements as well as related data Operationally, the internal control system is covering significant financial, economic, based on Swiss Re’s three lines of control regulatory and other reporting risks and comprises five components: • Compliance with applicable laws and regulations − addressing legal and RISK ASSESSMENT CONTROL INFORMATION & MONITORING ACTIVITIES ACTIVITIES COMMUNICATION ACTIVITIES Processes to identify Risk mitigation activities Capturing and sharing Ongoing evaluation of control and assess risks established in policies and information for risk control effectiveness procedures and management decisions • Performed by risk takers • Performed by risk takers (1st • Performed by all lines of • Risk -
CSR Guidelines for Rural Drinking Water Projects
Guide line For CSR Guideline for Rural Drinking Water Projects “Business has a responsibility to give back to CSR Guidelines community” For Rural Drinking Water Projects Government of India Ministry of Drinking Water and Sanitation 1 | P a g e Guide line For CSR Guideline for Rural Drinking Water Projects Table of Contents Page S.No Topic Number 1. Background 3 2. Why CSR for Drinking Water 3 3. Snapshot of CSR Guide Line 4 4. Objectives with regard to Water 5 5. Methodology 5 6. Type of Activities 5 7. Identification of Gram Panchayat for implementation of Water 6 projects 8. Role of Ministry of Drinking Water and Sanitation 6 9. Monitoring mechanism 6 10. Tri-partite agreement (TPA) 7 11. Operation and Maintenance 7 12. Conclusion 7 2 | P a g e Guide line For CSR Guideline for Rural Drinking Water Projects 1. Background Due to Poor quality of water and presence of chemical/ bacteriological contamination, many water borne diseases are spread, which causes untold misery, and in several cases even death, thereby adversely affecting the socio-economic progress of the country . From an estimate by WaterAid, it has come out that these diseases negatively effect health and education in children, and further what is worse, 180 million man days approximately are lost in the working population to India every year. Water-related diseases put an economic burden on both the household and the nation’s economy. At household levels, the economic loss includes cost of medical treatment and wage loss during sickness. Loss of working days affects national productivity. -
Read More in the Xylem 2019 Sustainability Report
Water for a Healthy World 1 | Xylem 2019 Sustainability Report Table of Contents 1. Message from Patrick Decker, President & CEO .... 3 2. Message from Claudia Toussaint, SVP, General Counsel & Chief Sustainability Officer . 6 3. How We Think About Sustainability ............... 9 4. How We Make Progress ........................ 24 5. Serving Our Customers ........................ 33 6. Building a Sustainable Company ................ 47 7. Empowering Communities ..................... 80 8. GRI Content Index ............................. 88 ABOUT THIS REPORT We are pleased to present Xylem’s ninth annual Sustainability Report, which describes our efforts in 2019 to solve global water challenges and support a healthy world. The How We Think About Sustainability section of this report explains the connection between current and emerging issues of water scarcity, water systems resilience to climate change and other water challenges and water affordability, and Xylem’s pivotal role in addressing these issues. We close out our goals set in 2014 and share our initial progress report against our 2025 goals, which we introduced in 2019, including Signature Goals designed to tackle some of the world’s most pressing water issues. We have also produced a set of General Disclosures that contain relevant data and information to meet requirements of the GRI Standards: Core Option. This report is available at https://www.xylem.com/en-us/sustainability/ in a downloadable PDF format. 2 | Xylem 2019 Sustainability Report CHAPTER 1 Message from Patrick Decker, President & CEO Water is key to public health and to sustainability. At Xylem, we define sustainability broadly, as responsible practices that strengthen the environment, global economy and society, creating a safer and more equitable world. -
School Idea in Prisons for Adults Albert C
Journal of Criminal Law and Criminology Volume 5 | Issue 1 Article 7 1914 School Idea in Prisons for Adults Albert C. Hill Follow this and additional works at: https://scholarlycommons.law.northwestern.edu/jclc Part of the Criminal Law Commons, Criminology Commons, and the Criminology and Criminal Justice Commons Recommended Citation Albert C. Hill, School Idea in Prisons for Adults, 5 J. Am. Inst. Crim. L. & Criminology 52 (May 1914 to March 1915) This Article is brought to you for free and open access by Northwestern University School of Law Scholarly Commons. It has been accepted for inclusion in Journal of Criminal Law and Criminology by an authorized editor of Northwestern University School of Law Scholarly Commons. THE SCHOOL IDEA IN PRISONS FOR ADULTS. ALBERT C. HILL.' The attitude of the public towards its criminals has never been very kindly, just or intelligent. Hatred, revenge, cruelty, indifference, Pharisaism, exploitation have characterized the conduct of society to- wards those, who, for one reason or another, have been branded as crim- inals. Badness has often been tolerated and even condoned, so long as it did not end in conviction by a court, but the convict and the ex- convict have always suffered from the neglect and inhumanity of man. A change in public sentiment, however, is now in progress. Society -is becoming more and more sensitive to the sad cry of neglected chil- dren and to the despairing appeals of helpless and hopeless adults. The sentiment of human brotherhood is growing stronger and the call for help meets with more ready response than formerly. -
Household Water Treatment and Safe Storage Factsheet: Source Protection
Household Water Treatment and Safe Storage Factsheet: Source Protection The Treatment Process Potential Treatment Capacity Very Effective For: Somewhat Effective For: Not Effective For: Local contamination of the Naturally occurring water source contamination Contaminants introduced upstream of the water source What is Source Protection? Source Protection Practices There are many pollution problems which The following provides suggestions on may threaten drinking water quality at the several things that can be done to protect source, point of collection, or during different water sources from contamination transport. Source protection can reduce or and improve the quality. eliminate the risk of contamination, resulting For all Water Sources and Points of Use in improved water quality and reduced risk (where the water is stored or used): of disease. Source protection should always be practiced as the first step in the multi- Locate latrines down hill and at least 30 barrier approach to safe drinking water. meters away from water sources. Keep animals away by using fences What Causes Contamination? around the water source The main risk factors for contamination at Maintain separate area for washing clothes the water source, collection point and during and watering animals transport are: Keep the general environment around the Poor site selection of the water source water source and points of use clean and Poor protection of the water source against free from excreta and garbage pollution (e.g. agricultural runoff Plant trees along creeks and rivers and contaminated with manure and fertilizers) maintain a well forested area above your Poor structure design or construction (e.g. water source, to trap contaminants and lack of a well lining and/or cover, tank prevent erosion sealing, poor pipe connections) Provide adequate drainage to prevent Deterioration or damage to structures (e.g.