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A surprisingly large number of lottery prizes go unclaimed every year. This leads us to suspect that what people bet on is not only money, but also good mood. We conducted three studies to explain, from an emotional perspective, why people play lottery games. We first conducted two survey studies to assess mood state reported by online (Study 1a) and offline lottery buyers (Study 1b) at different stages of lottery play. The results revealed that participants' highest mood appeared before knowing whether they had won. In Study 2, we manipulated the means of reward (lottery tickets vs. cash) and compared participants' mood changes at different stages of a rewards game in the laboratory. We found the following: first, lottery group participants were generally in a better mood; second, 42% of lottery group participants did not come to the laboratory to collect scratch cards; and third, lottery group participants took more time to return to the laboratory to check their tickets than participants in the cash group. In Study 3, we examined whether priming good or bad mood could influence participants' preferences for cash versus lottery tickets. The results revealed that participants who were primed for poor mood had a higher preference for lottery tickets compared with their good mood counterparts. These findings suggest that what our participants sought in lottery play was not only money, but improved mood.

Everyone experiences some physical pain in life. Pain affects our mood. Research has shown that people diagnosed with long-term pain frequently experience a negative mood. Would it be similar for people whose pain is not severe enough to consult a doctor and get it diagnosed, that is, sub-clinical?

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A research team comprising individuals from the University of Fribourg, Switzerland, Indian Institute of Technology Bombay (IIT Bombay), India, University of Zurich, Switzerland, and Harvard University, USA, published a paper on how cash rewards affect the mood response and behaviour of university students who experience some amount of pain daily. The researchers found that money as a reward does not improve mood in students with pain, showing that pain has a negative effect on overall mood. This paper was published in the Humanities and Social

Sciences Communication of Nature.

The study divided the sample of 79 students into two groups, one with participants experiencing no pain and the second, participants belonging to the sub-clinical population. Some of the types of pain experienced by people in the sub-clinical group were headaches, backaches, pain in the arms or legs, muscle cramps, and chest pains. The researchers chose to use a method known as the Fribourg Reward Task, used in similar studies earlier. In previous research, it was seen that individuals who have been diagnosed with long term pain perform poorly on such tasks. Their mood does not improve much after cash rewards compared to people without pain.

In the Fribourg Reward Task, the participants are shown either three yellow circles (low difficulty) or seven yellow circles (high difficulty) on a screen. After a brief break, they are shown one green circle. Participants need to choose whether the green circle was in the same place as one of the yellow circles seen previously. Then they are shown their cash rewards or accumulated earnings, completing one round. Twelve such rounds complete the task.

The researchers assessed the mood of the participants before the trials and at the end of twelve rounds. To assess the mood of the participants, they were asked to rate themselves on a scale from 0 indicating bad mood to 100 indicating good mood. However, they were shown a smiling face and a sad face instead of numbers.

The results from the study were analysed using statistical software. There was no significant difference seen in the mood of the group with no pain and the sub-clinical group before the trials were conducted. In addition to the previously stated hypothesis, the authors also expected that if participants get more money, their mood will be better. The analyses showed that participants who did not experience pain did indeed have higher average mood scores for the larger reward condition than smaller. However, this was not observed in the sub-clinical pain group. There was no significant difference in mood depending on the reward. Additionally, the team observed that all participants were more accurate in the low difficulty task when compared to the high difficulty task.

When attending events or running errands that may test your wallet, leave your card at home. Consider taking the right amount of cash you may need, and nothing more. Every step towards your goals is a step in the right direction. Be sure to celebrate your small wins over a cup of homemade coffee or baked goods.

I have been living with BPAD since the age of 14 yrs. I started treatment 5 years back. I am now 39. I have had fairly happy and comfortable life because I have ultra rapid cycling which means I have 1 or more than 1 cycle of mania- depression and normal mood each day. So nothing lasts for more than few hours. I designated important chores in the first half of the day and tasks involving lesser attention/boring ones in the 2nd half. The depression usually sets in at around 9pm and continues until 10-11am the next day. When I suffer a major setback (loss of a job / break up etc) the depression lasts for many months with a short period of normal mood for few hours (2-4pm approx) mania everyday from 5 to 9pm.

Automated Clearing House (ACH) transfers are electronic, bank-to-bank money transfers that provide a fast and convenient way for businesses to pay vendors (including payroll via direct deposit) and receive payments from their clients. These ACH payments are also sometimes called direct debit payments or bank payments, and they allow customers to pay directly from their bank account to another bank account. Bank transfers and wire transfers are usually used for larger and more frequent payments where cash is not a good fit.

That said, paying in cash is difficult if a client needs to make multiple expensive purchases. Cash users also need to carry the currency of the country where the transaction is being made. Finally, unless you keep careful records, cash transactions carry a higher risk of accounting errors.

All of these payments enable money to be transferred from one account to another electronically. Customers appreciate these payment options for their fast transaction speed and the reduced dependency on cash.

Usually issued by a government or banking institution, money orders are certificates that allow your business to receive cash on demand. Since money orders do not include personal information like bank routing numbers, they are considered safer than paper checks. Money orders can also be cashed in other countries, making them useful in international business dealings. However, you may need to pay a fee to cash a money order and the lack of personal information makes them hard to track.

Wire transfers are usually used for larger and more frequent payments where cash does not fit. In most cases, payments by manufacturers to suppliers are made via wire transfers, especially for domestic transactions. The ACH is commonly employed for direct deposits in payrolls by a business. Although both electronic transfers exist, the differences are between ACH and wire transfers. ACHs only operate in the United States. Sometimes they require a couple of days to fully process them.

Please note that gift cards are treated as cash and lost or stolen gift cards cannot be replaced. Gift card receipts cannot be substituted for gift cards and are only used as a reminder of balance. Gift cards cannot be exchanged or refunded for cash, and cannot be purchased under promotional discounts or offers.

The cash call was at 200p, and shareholders who did not take up their rights will receive a cheque for the difference between that and the price at which the underwriters managed to place the shares today.

Abstract: The main objective of this article is to determine the relationship between time-varying social mood and the trend of corporate investment distortion. It is rational for firms to issue equities and invest in fixed assets during periods of hot issue markets when market-wide asymmetric information is less severe. Such hot market years can be considered as periods of optimistic social mood. In contrast, cold issue markets can be viewed as periods of pessimistic social mood. The results exhibit that corporate investments rise (fall) above (below) firms' expected levels during periods of increased (decreased) social mood. Thus, firms with high (low) capital investments invest even more (less) in fixed assets during periods of optimistic (pessimistic) social mood. Further, the findings suggest that the level of corporate investment distortion is more sensitive to firm's internal cash reserves (new security proceeds) during periods of positive (negative) social mood.

Participate in a paid study on emotion and mood in the CU Department of Psychology and Neuroscience. Earn up to $200 to participate in studies answering questions about your feelings and thoughts, watching brief films, playing computer games, and logging emotions and activities.

The study includes two separate visits, each paying $10 per hour in cash. The first visit will last two to three hours, and the second is four hours. There will be an added option for paid follow-up phone interviews.

LONDON (Reuters) - Motif Bio, which is working on a range of antibiotics, is planning to raise at least 4 million pounds ($6 million) - and potentially up to 16 million - through a stock market listing in London. The plan shows increased interest in badly needed new antibiotics that are seen as essential to counter the spread of "superbug" bacteria. Companies have for many years been reluctant to invest because of poor returns, but recently the promise of improved incentives has started to change the mood as demonstrated most vividly by Merck & Co's decision to acquire Cubist for $9.5 billion in December. Motif Bio said it was in talks with investors ahead its move to list on the AIM market as it seeks funding to advance its experimental drugs. If it raises the full 16 million pounds, either at or after flotation, the business is expected to be worth 45-60 million pounds. The company said its most advanced drug candidate, iclaprim, was expected to move into advanced Phase III trials in the second half of this year and could be ready for commercialization within three years. It is also working on several earlier-stage drugs. Motif Bio, which is led by former Merck executive and one-time vet Graham Lumsden, is buying rights to iclaprim through the purchase of U.S. firm Nuprim in a deal that will be completed once the company lists on AIM. Iclaprim was previously submitted to U.S. regulators but turned down in 2009. Motif Bio believes it can get the drug approved by addressing certain shortfalls in the original development program. ($1 = 0.6638 pounds) (Reporting by Ben Hirschler; editing by Jason Neely) 006ab0faaa