The purpose of this study was to create a profile of the mortgage default clientele at the Utah State University Family Life Center, Housing and Financial Counseling (FLC HFC) and to examine how clientele were utilizing the counseling services. Demographic and mortgage variables were used to create the profile of clientele and examine the utilization of services. Specific variables key to the study included: loan type, time of delinquency when clients sought counseling, how clients were referred to the FLC HFC, and the point in counseling when an outcome was achieved (keeping the home or losing the home to foreclosure). The sample consisted of all closed mortgage default cases at the FLC HFC (N = 213) and covered the years between July 1999 and September 2004. Descriptive statistics were used to create a profile of clients and survival analysis was used to examine the utilization of services. Clientele were on average 36 years old, married, had 2.3 dependents, and were Caucasian. The majority of clientele had no savings, was behind on other debt, reported a reduction in income or job Joss as the cause of default, and sought counseling early on in the delinquency. Clients reaching an outcome of counseling in one to four appointments were statistically significantly different than those reaching an outcome in five or more appointments. Tn the context of survival analysis, clients were divided into three groups: survival (positive outcome of counseling), foreclosure/bankruptcy (negative outcome of counseling), or lost-to-follow up. The findings indicate that clientele with government loans use the services more than clientele with conventional loans. Among the clientele who kept their home, there were no statistically significant differences by Joan type. The FLC HFC can use this information to better tailor the services offered to mortgage default clientele.

The College of Forest, Range and Wildlife Management (hereafter referred to as the College of Forestry) at Utah State University has been concerned for some time with the problem of selecting from the applicants to their school the ones whom they think will be able to complete the requirements for graduation. The large number of freshman students placed on probation at the end of the fall quarter and of succeeding quarters each year fives some idea of the magnitude of the problem. It is not unusual for 40 or 50 percent of the entering freshmen to be in this category. The faculty of the College of Forestry is interested in the students, not only as potential professional foresters, but also as individuals. They recognize the fact that failure is not only emotionally upsetting but also expensive, especially for students who have come, as many of them have, from out of state. The loss of time and money on the part of the students, as well as the effort expended by the professors, is a waste of human resources. Because of their desire to give each student as much opportunity as possible to succeed, the College of Forestry has devised a very elaborate probation program. If the student fails to maintain a 2.0 (C average) for two consecutive quarters, he is asked to sign a statement indicating that if he is unable to get satisfactory grades the next quarter he will withdraw from school and not register again for two quarters. This provides the student with a "cooling off period'' during which he can re-evaluate his goals in terms of his past performance in school.

The purpose of this study is to attempt to determine and evaluate the swimming abilities of the male freshman students of the Utah State Agricultural College. A method of classification will be used to determine and evaluate the swimming abilities of these students. It is assumed that a check list can be used to determine swimming abilities. The method of determining the swimming abilities will be of value as a quick way of classifying entering students. The classifications will be valuable as bases for swimming instruction.

The Second World War, often called the Global War, is largely a war of technocracy. The last few decades have seen many discoveries and inventions which, when used in war, have far reaching implications. To a relatively large extent the United States and the United Nations have left many of these discoveries in the theoretical state, thus allowing a large margin of advantage to the Axis Nations who have rather thoroughly exploited, for military purposes, new discoveries at their command. Since the two groups of nations have come to grips it means that survival demands extensive ramifications of all discoveries which in any way will aid in the prosecution of the war.

Thesis (Ph. D.)--Virginia Polytechnic Institute and State University, 1992. / Vita. Abstract. Includes bibliographical references (leaves 300-330). Also available via the Internet.

The primary purpose of this study was to investigate the relationship between marital satisfaction, agreement on money matters, and money management competence among married couples at Utah State University . A sample of 43 student couples responded to a written questionnaire designed to measure the three variables. On all three variables measured, high scores indicated that both spouses rated themselves high on marital satisfaction, agreement on money matters, and money management competence. A positive relationships was found to exist between the four correlations, the strongest for both partners being marital satisfaction with agreement on money matters. The correlation, marital satisfaction with money management competence, though not as strong, was significant for both partners.

Man is a social animal. Without participating in social activities and enjoying the social privileges, man cannot live but physically. He has something in common with the rest of the human race and a particular interest in his own community which imposes on and shares with him the same cultural pattern. The different cultures have a universal cultural pattern common to mankind, but in the same time there are many traits which prohibit the different groups from understanding each other, not because of languages, but because of the existence of the cultural barriers. To cross the barriers of cultural islands and the cultural lags, or to be able to narrow the margin of the differences in cultural determination, for the purpose of achieving acquaintance and understand, the world needs an effective communication system. “The process of communication is the web of signals, expectations, and understanding that makes living together possible….”.

Academic achievement at Utah State University was predicted for a sample of students from Cache County, Utah, high schools. Predictor variables were grade point averages for grades ten-twelve and the ten scores of the Iowa Tests of Educational Development. Criteria included grade point ave rages after one quarter of college and after each college year. Simple correlation coefficients between high school and col l ege grades ranged from .655 to .706, with a median of .676 and a mean of .677, Simple correlation coefficients between s cores on the Iowa Tests of Educational Development and college grades r ange d f rom .366 to ,566, with a median of ,476 and a mean of .472 . Multiple correlation coefficients between predictor and criteria ranged from .403 to ,792, with a median of .641 and a mean of .557. Multiple regression equations were also developed for predieting grades for twenty-five university general education courses.

The intensity of the pressure of population on an area may be increased on three occasions. Economic and social opportunities may contract; population may increase; or both these factors may combine to increase the intensity of pressure. This pressure, naturally can be diminished either by an increase of opportunity or an dimunition of population.

Salary differentials by rank were studied at the University of Utah and Utah State University on a departmental basis. Multiple regression equations were developed from criteria at Utah State University which were used to predict individual salaries for professional staff members at the University of Utah. Thirteen of the fourteen multiple regression equations developed showed statistical significance at the .05 level and twelve departments were significant at the .01 level. Salary comparisons by rank were considerably reduced as a result of the department by department analysis.