Actuarial News from Claude Penland, Actuary. Includes Technical News, Actuarial Careers, Actuarial Jobs, Regional News, Global News, Regulatory News, Reinsurance, Actuaries in the News, Professional Questions, Other Actuarial News and Wrap Up.
In 2010, the Hungarian government led by Mr. Viktor Orbán has started the war on banks with a dual goal of filling state coffers with extra taxes and restoring majority local ownership in the banking sector, dominated by foreign players.
The document discusses rubric grading in Moodle and outlines the key components that need to be considered when implementing rubric grading, including the process, product, criteria, assessment levels, learner, instructor, and technology. It then provides steps for enabling and using rubric grading in Moodle and describes what students and instructors would see. It also lists some requests for additional rubric grading functionality, such as making rubrics more visible to students, applying rubrics to forum posts, and allowing multiple graders.
Solvency II presentation by Claude Penland, ActuaryCasualtyActuary
Solvency II is the updated set of regulatory requirements for insurance firms in the European Union. There are concerns that insurers may need to outsource asset management, specialist employee costs are increasing, and catastrophe risk may not be appropriately represented under Solvency II. Additionally, pension funds and insurers disagree on whether pension funds should fall under Solvency II regulation. The latest Solvency II test results are expected in March 2011 and there may be industry consolidation and redomiciling as a result of Solvency II changes.
The rubric outlines 4 levels for assessing essays across 5 criteria: focus, content, organization, style, and conventions. A score of 4 represents a sharp, distinct focus on a single topic with substantial content and sophisticated organization, precise style appropriate for the audience, and evident control of grammar. A score of 1 reflects minimal or no evidence of focus, superficial content, minimal organization, limited style that inhibits voice, and minimal control of grammar.
FITZROY KENNEDY, MA - TESTING & ASSESSMENT IN ELTTESOL Chile
This document discusses assessment and evaluation in language teaching. It defines assessment as a formative, ongoing process to gather information on student learning, while evaluation is a summative process to determine what students have learned at the end of a course. The document also outlines key differences between assessment and evaluation, including their timing, focus, relationship to students, and findings. It emphasizes using assessment and evaluation to improve teaching and learning through defining learning outcomes, continual progress assessments, and rigorous evaluations of outcome achievements.
Lesson 3 developing a teacher made testCarlo Magno
This document provides guidance on developing teacher-made tests. It begins with an advance organizer and outlines the test development process. It then provides details on designing different item types, including selected-response, constructed-response, and interpretive exercise items. It gives guidelines for writing different item types and examples. The objectives are to explain assessment concepts and design aligned tests. It also discusses test specifications, characteristics, layout, instructions and scoring.
Scoring rubrics are descriptive schemes developed by teachers or evaluators to guide analysis of student work. They describe levels of quality expected for a task and can be used to evaluate a variety of projects and activities. When developing a rubric, teachers identify the key criteria for assessment, such as quality, creativity, accuracy, and aesthetics. Rubrics support evaluation by examining the extent criteria are met and provide feedback to help students improve. Rubrics are an appropriate technique for grading essays and can also be used to evaluate group activities, projects, and presentations.
In 2010, the Hungarian government led by Mr. Viktor Orbán has started the war on banks with a dual goal of filling state coffers with extra taxes and restoring majority local ownership in the banking sector, dominated by foreign players.
The document discusses rubric grading in Moodle and outlines the key components that need to be considered when implementing rubric grading, including the process, product, criteria, assessment levels, learner, instructor, and technology. It then provides steps for enabling and using rubric grading in Moodle and describes what students and instructors would see. It also lists some requests for additional rubric grading functionality, such as making rubrics more visible to students, applying rubrics to forum posts, and allowing multiple graders.
Solvency II presentation by Claude Penland, ActuaryCasualtyActuary
Solvency II is the updated set of regulatory requirements for insurance firms in the European Union. There are concerns that insurers may need to outsource asset management, specialist employee costs are increasing, and catastrophe risk may not be appropriately represented under Solvency II. Additionally, pension funds and insurers disagree on whether pension funds should fall under Solvency II regulation. The latest Solvency II test results are expected in March 2011 and there may be industry consolidation and redomiciling as a result of Solvency II changes.
The rubric outlines 4 levels for assessing essays across 5 criteria: focus, content, organization, style, and conventions. A score of 4 represents a sharp, distinct focus on a single topic with substantial content and sophisticated organization, precise style appropriate for the audience, and evident control of grammar. A score of 1 reflects minimal or no evidence of focus, superficial content, minimal organization, limited style that inhibits voice, and minimal control of grammar.
FITZROY KENNEDY, MA - TESTING & ASSESSMENT IN ELTTESOL Chile
This document discusses assessment and evaluation in language teaching. It defines assessment as a formative, ongoing process to gather information on student learning, while evaluation is a summative process to determine what students have learned at the end of a course. The document also outlines key differences between assessment and evaluation, including their timing, focus, relationship to students, and findings. It emphasizes using assessment and evaluation to improve teaching and learning through defining learning outcomes, continual progress assessments, and rigorous evaluations of outcome achievements.
Lesson 3 developing a teacher made testCarlo Magno
This document provides guidance on developing teacher-made tests. It begins with an advance organizer and outlines the test development process. It then provides details on designing different item types, including selected-response, constructed-response, and interpretive exercise items. It gives guidelines for writing different item types and examples. The objectives are to explain assessment concepts and design aligned tests. It also discusses test specifications, characteristics, layout, instructions and scoring.
Scoring rubrics are descriptive schemes developed by teachers or evaluators to guide analysis of student work. They describe levels of quality expected for a task and can be used to evaluate a variety of projects and activities. When developing a rubric, teachers identify the key criteria for assessment, such as quality, creativity, accuracy, and aesthetics. Rubrics support evaluation by examining the extent criteria are met and provide feedback to help students improve. Rubrics are an appropriate technique for grading essays and can also be used to evaluate group activities, projects, and presentations.
Portfolios are collections of student work that can be used to evaluate student abilities and improvement over time. They have several advantages, including improving cognitive abilities, enhancing awareness of thinking strategies, and promoting creativity. However, portfolios also have disadvantages, such as requiring significant time for planning, assessment, and storage. There are three main types of portfolios: documentation portfolios showcase the learning process; process portfolios emphasize reflection on the learning process; and product portfolios highlight a student's best work. Effective portfolios require planning stages where the purpose and criteria are communicated to students.
Portfolios allow students to demonstrate learning through a process-oriented method rather than just end results. They contain evidence of learning outcomes and integrate reflection and higher-order thinking. However, portfolios only show the best of students' work and may not provide a complete picture of the learning process.
This document defines plagiarism and discusses why it is important to avoid. Plagiarism involves presenting someone else's ideas or work as your own without giving them proper credit. It is considered theft and cheating. If caught, it can result in failing grades or other penalties. While some information may be considered "common knowledge" and not require citation, students should always cite direct quotes, paraphrased ideas, and facts/statistics taken from other sources to avoid plagiarism. The document provides examples of proper citation formats and additional resources on plagiarism and copyright issues.
Guiding Principles for the Assessment of Student LearningSheila Lavapie
1. The document outlines 8 principles for assessing student learning: clarity of learning objectives, appropriateness of assessment, validity, reliability, fairness, positive consequences, practicality and efficiency, and ethics.
2. It describes different types of assessments including objective tests, subjective tests, performance tests, oral reasoning, observation, and self-reports.
3. Validity is discussed in terms of face validity, content validity, construct validity, predictive validity, concurrent validity, and criterion-related validity. Reliability focuses on test stability, equivalence, and internal consistency.
The document discusses the important elements of rubrics for assessing student learning, which include criteria, levels of performance, and descriptors. Criteria are the traits or dimensions used to judge student responses. Levels of performance establish a scale to rate each criterion. Descriptors spell out the expected performance at each level for each criterion. Guidelines for developing rubrics include identifying desired qualities, choosing an analytical or holistic rubric type, and defining lowest performance standards. Tips include collaborating with colleagues, gathering sample rubrics, keeping rubrics short and simple, focusing on different skills per item, and student learning development.
The document discusses portfolios as a way to collect student work over time to show growth. Portfolios can include various types of student work and media. They have pros like allowing students to reflect on growth, but scoring them reliably can be difficult. Portfolios can be used to showcase student work and interests, or demonstrate growth with self-assessment. Teachers should establish a clear vision and intended audience for portfolios. They should also determine what types of student work and context will be included, and create examples to help students understand the portfolio process.
This document discusses four approaches to curriculum development: behavioral, managerial, systems, and humanistic. The behavioral approach focuses on specifying goals and objectives and arranging content and activities to meet those objectives, evaluating learning outcomes based on the goals. The managerial approach emphasizes the principal's role in setting policies, planning, and organizing curriculum implementation. The systems approach views all parts of the school as an interconnected system. The humanistic approach places the learner at the center and aims for their total development. Curriculum developers may draw from one or more of these approaches.
Portfolios are purposeful collections of student work that exhibit their progress and achievement. They include student participation in selecting contents and self-reflection. Using portfolios for assessment matches real teaching and learning, has clear goals, and gives a profile of learner abilities and growth over time. It assesses a variety of skills and develops independent, active learners. Effective portfolios contain essential elements like a cover letter, table of contents, entries with dates and reflections, and criteria for assessing contents. Teachers guide students through the process, which involves identifying goals, introducing the concept, specifying content, and providing presentation guidelines. Students are supported through conferences and encouraged to engage in self-reflection and assessment.
The document discusses the key features of curriculum design:
1. It outlines the six main features of any curriculum - the teacher, learners, subject matter, teaching methods, performance assessment, and community partnerships.
2. It then examines the three main approaches to curriculum design - learner-centered, subject-centered, and problem-centered. The learner-centered approach focuses on the needs, interests, and abilities of students. The subject-centered approach emphasizes teaching detached subject matter. And the problem-centered approach views students as problem-solvers through experiential learning.
3. It emphasizes the importance of designing curricula that prepare students for the future by teaching relevant skills and adapting to changes
Assessment of learning refers to assessment that occurs at the end of a learning unit and results in a number or letter grade. It compares a student's achievement to standards and communicates results to students and parents. The document outlines guiding principles for assessment of learning, including that it should be an integral part of teaching, use assessment tools that match learning objectives, provide feedback to students, consider learning styles, emphasize self-assessment and real-world application over drill items, and communicate results regularly to parents. Assessment should occur prior to, during, and after instruction using various tools like tests, performances, and portfolios.
- Measurement refers to determining attributes of physical objects using standard instruments. Assessment gathers information relative to an objective or goal. Evaluation provides information to make a judgement about a situation based on criteria.
- Students often confuse these terms but understanding the differences is fundamental for teachers. Measurement simply collects information, assessment yields information about an objective, and evaluation uses assessment data to make a value judgement.
- Common assessment types include formative vs summative, informal vs formal, continuous vs final, process vs product, and divergent vs convergent. Different types serve different purposes like feedback, grading, or documenting competency.
Teacher-made tests are often flawed and emphasize lower-level thinking. However, they can be important parts of the teaching and learning process if integrated into daily classroom instruction. To be effective, teacher-made tests should be constructed prior to instruction, address a variety of intelligences and learning styles, and allow students multiple ways to demonstrate what they know. Modifications can make teacher-made tests accessible to all students. Involving students in test development helps ensure tests reflect essential learnings.
Actuarial science seminar COMPLETE INFORMATION INDIAN IAI CT LEVEL CLASSES SOURAV DAS
The document provides information about the Actuarial Common Entrance Test (ACET) and requirements for becoming an actuary in India. It states that the only eligibility for ACET is completing 10+12 education. It describes the exam structure as a 3 hour computer-based test consisting of multiple choice questions. It also outlines the minimum requirements to become an actuary such as having a 10+12 degree in math or statistics and passing all exam papers up to certain levels to receive different certificates.
Testing, assessment, measurement and evaluation definitionnorazmi danuri
Testing determines a student's skills and knowledge through methods like multiple choice tests or spelling tests. Assessment gathers information through various methods including tests, observations, and interviews to monitor progress. Evaluation uses assessment results to determine if a student meets preset criteria, such as qualifying for special education services. Measurement refers to procedures and principles for educational tests and assessments, including raw scores, percentile ranks, and standard scores.
Detailed Lesson Plan (ENGLISH, MATH, SCIENCE, FILIPINO)Junnie Salud
Thanks everybody! The lesson plans presented were actually outdated and can still be improved. I was also a college student when I did these. There were minor errors but the important thing is, the structure and flow of activities (for an hour-long class) are included here. I appreciate all of your comments! Please like my fan page on facebook search for JUNNIE SALUD.
*The detailed LP for English is from Ms. Juliana Patricia Tenzasas. I just revised it a little.
For questions about education-related matters, you can directly email me at mr_junniesalud@yahoo.com
Pension Risk Trends, News and Information at PensionRiskNews.comCasualtyActuary
Pension risk news and trends. Presentation also covers new companies, mergers and acquisitions, growing firms, personnel changes and other pensions information.
Predictive Analytics, Modeling News and Trends Presentation from Claude Penla...CasualtyActuary
Covers predictive analytics, modeling news and trends, including new developments, interesting applications, data dilemmas and changes, investment, employment trends, conferences and other timely information. Also see PredNews.com
12318, 1250 PMHow a soft Brexit differs from a hard one - T.docxaulasnilda
12/3/18, 12:50 PMHow a soft Brexit differs from a hard one - The Economist explains
Page 1 of 6https://www.economist.com/the-economist-explains/2018/06/25/how-a-soft-brexit-differs-from-a-hard-one
The Economist explains
The Economist explains
How a soft Brexit di!ers from a hard one
And why the ultimate Brexit may be a mixture of both
Jun 25th 2018 | by J.P.
The Economist explains
THE debate over the right terms and conditions for Britain’s departure from the
European Union is often simpli!ed into two clashing concepts: a soft Brexit and a
The Rise of the Omnichannel Shopper
Leading retailers are optimizing
mobile apps to drive sales — both
online and in-stores.
Learn more
Current edition Subscribe SearchTopics More Welcome
You are now logged in
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12/3/18, 12:50 PMHow a soft Brexit differs from a hard one - The Economist explains
Page 2 of 6https://www.economist.com/the-economist-explains/2018/06/25/how-a-soft-brexit-differs-from-a-hard-one
hard one. The !rst tends to be favoured by those who voted Remain in the 2016
referendum, the second by those who voted Leave. Yet what is the real, practical
di"erence between the two? And can bits of both be combined to some degree?
A soft Brexit is usually taken to refer to one that keeps Britain closely aligned with
the EU. The objective is to minimise the disruption to trade, to supply chains and to
business in general that would be created by diverging from the EU’s regulations
and standards, thereby reducing the cost of Brexit. In practice a soft Brexit means
staying within both the EU’s single market (like Norway) and its customs union
(like Turkey). Soft Brexiteers are willing to be bound by EU rules and tari"s even
though Britain will lose any say in making them. They also accept the inevitable
consequence that it will be hard, even impossible, for Britain to do any trade deals
with third countries.
A hard Brexit rejects the whole idea of close alignment. The goal is to escape
burdensome EU regulations and tari"s, so as to be able to draw up rules and
ADVERTISING
inRead invented by Teads
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Latest stories
Emmanuel Macron faces the toughest test of his presidency
EUROPE
America’s Treasury is earning billions from Donald Trump’s trade war
Rich clubs are bullying football’s administrators into submission
GAME THEORY
See more
http://teads.tv/inread-outstream/
https://www.economist.com/blog ...
Euro shorts 21.11.14 including juncker to unveil eurozone investment plan and...Cummings
The document provides summaries of recent developments in the financial services industry in Europe:
1) The UK withdrew its legal challenge to an EU cap on bankers' bonuses after an ECJ opinion supported the cap. The cap limits bonuses to 100% or 200% of salary.
2) European Commission President Juncker will unveil a €300 billion investment plan to boost jobs and growth in the EU, though much of the funding relies on projected investments from existing funds.
3) The G20 summit declaration addressed financial regulatory reforms and remaining work to strengthen the global financial system.
4) The ESMA Chair discussed post-crisis regulation, risks in areas like securitization and derivatives, and upcoming regulatory work
Portfolios are collections of student work that can be used to evaluate student abilities and improvement over time. They have several advantages, including improving cognitive abilities, enhancing awareness of thinking strategies, and promoting creativity. However, portfolios also have disadvantages, such as requiring significant time for planning, assessment, and storage. There are three main types of portfolios: documentation portfolios showcase the learning process; process portfolios emphasize reflection on the learning process; and product portfolios highlight a student's best work. Effective portfolios require planning stages where the purpose and criteria are communicated to students.
Portfolios allow students to demonstrate learning through a process-oriented method rather than just end results. They contain evidence of learning outcomes and integrate reflection and higher-order thinking. However, portfolios only show the best of students' work and may not provide a complete picture of the learning process.
This document defines plagiarism and discusses why it is important to avoid. Plagiarism involves presenting someone else's ideas or work as your own without giving them proper credit. It is considered theft and cheating. If caught, it can result in failing grades or other penalties. While some information may be considered "common knowledge" and not require citation, students should always cite direct quotes, paraphrased ideas, and facts/statistics taken from other sources to avoid plagiarism. The document provides examples of proper citation formats and additional resources on plagiarism and copyright issues.
Guiding Principles for the Assessment of Student LearningSheila Lavapie
1. The document outlines 8 principles for assessing student learning: clarity of learning objectives, appropriateness of assessment, validity, reliability, fairness, positive consequences, practicality and efficiency, and ethics.
2. It describes different types of assessments including objective tests, subjective tests, performance tests, oral reasoning, observation, and self-reports.
3. Validity is discussed in terms of face validity, content validity, construct validity, predictive validity, concurrent validity, and criterion-related validity. Reliability focuses on test stability, equivalence, and internal consistency.
The document discusses the important elements of rubrics for assessing student learning, which include criteria, levels of performance, and descriptors. Criteria are the traits or dimensions used to judge student responses. Levels of performance establish a scale to rate each criterion. Descriptors spell out the expected performance at each level for each criterion. Guidelines for developing rubrics include identifying desired qualities, choosing an analytical or holistic rubric type, and defining lowest performance standards. Tips include collaborating with colleagues, gathering sample rubrics, keeping rubrics short and simple, focusing on different skills per item, and student learning development.
The document discusses portfolios as a way to collect student work over time to show growth. Portfolios can include various types of student work and media. They have pros like allowing students to reflect on growth, but scoring them reliably can be difficult. Portfolios can be used to showcase student work and interests, or demonstrate growth with self-assessment. Teachers should establish a clear vision and intended audience for portfolios. They should also determine what types of student work and context will be included, and create examples to help students understand the portfolio process.
This document discusses four approaches to curriculum development: behavioral, managerial, systems, and humanistic. The behavioral approach focuses on specifying goals and objectives and arranging content and activities to meet those objectives, evaluating learning outcomes based on the goals. The managerial approach emphasizes the principal's role in setting policies, planning, and organizing curriculum implementation. The systems approach views all parts of the school as an interconnected system. The humanistic approach places the learner at the center and aims for their total development. Curriculum developers may draw from one or more of these approaches.
Portfolios are purposeful collections of student work that exhibit their progress and achievement. They include student participation in selecting contents and self-reflection. Using portfolios for assessment matches real teaching and learning, has clear goals, and gives a profile of learner abilities and growth over time. It assesses a variety of skills and develops independent, active learners. Effective portfolios contain essential elements like a cover letter, table of contents, entries with dates and reflections, and criteria for assessing contents. Teachers guide students through the process, which involves identifying goals, introducing the concept, specifying content, and providing presentation guidelines. Students are supported through conferences and encouraged to engage in self-reflection and assessment.
The document discusses the key features of curriculum design:
1. It outlines the six main features of any curriculum - the teacher, learners, subject matter, teaching methods, performance assessment, and community partnerships.
2. It then examines the three main approaches to curriculum design - learner-centered, subject-centered, and problem-centered. The learner-centered approach focuses on the needs, interests, and abilities of students. The subject-centered approach emphasizes teaching detached subject matter. And the problem-centered approach views students as problem-solvers through experiential learning.
3. It emphasizes the importance of designing curricula that prepare students for the future by teaching relevant skills and adapting to changes
Assessment of learning refers to assessment that occurs at the end of a learning unit and results in a number or letter grade. It compares a student's achievement to standards and communicates results to students and parents. The document outlines guiding principles for assessment of learning, including that it should be an integral part of teaching, use assessment tools that match learning objectives, provide feedback to students, consider learning styles, emphasize self-assessment and real-world application over drill items, and communicate results regularly to parents. Assessment should occur prior to, during, and after instruction using various tools like tests, performances, and portfolios.
- Measurement refers to determining attributes of physical objects using standard instruments. Assessment gathers information relative to an objective or goal. Evaluation provides information to make a judgement about a situation based on criteria.
- Students often confuse these terms but understanding the differences is fundamental for teachers. Measurement simply collects information, assessment yields information about an objective, and evaluation uses assessment data to make a value judgement.
- Common assessment types include formative vs summative, informal vs formal, continuous vs final, process vs product, and divergent vs convergent. Different types serve different purposes like feedback, grading, or documenting competency.
Teacher-made tests are often flawed and emphasize lower-level thinking. However, they can be important parts of the teaching and learning process if integrated into daily classroom instruction. To be effective, teacher-made tests should be constructed prior to instruction, address a variety of intelligences and learning styles, and allow students multiple ways to demonstrate what they know. Modifications can make teacher-made tests accessible to all students. Involving students in test development helps ensure tests reflect essential learnings.
Actuarial science seminar COMPLETE INFORMATION INDIAN IAI CT LEVEL CLASSES SOURAV DAS
The document provides information about the Actuarial Common Entrance Test (ACET) and requirements for becoming an actuary in India. It states that the only eligibility for ACET is completing 10+12 education. It describes the exam structure as a 3 hour computer-based test consisting of multiple choice questions. It also outlines the minimum requirements to become an actuary such as having a 10+12 degree in math or statistics and passing all exam papers up to certain levels to receive different certificates.
Testing, assessment, measurement and evaluation definitionnorazmi danuri
Testing determines a student's skills and knowledge through methods like multiple choice tests or spelling tests. Assessment gathers information through various methods including tests, observations, and interviews to monitor progress. Evaluation uses assessment results to determine if a student meets preset criteria, such as qualifying for special education services. Measurement refers to procedures and principles for educational tests and assessments, including raw scores, percentile ranks, and standard scores.
Detailed Lesson Plan (ENGLISH, MATH, SCIENCE, FILIPINO)Junnie Salud
Thanks everybody! The lesson plans presented were actually outdated and can still be improved. I was also a college student when I did these. There were minor errors but the important thing is, the structure and flow of activities (for an hour-long class) are included here. I appreciate all of your comments! Please like my fan page on facebook search for JUNNIE SALUD.
*The detailed LP for English is from Ms. Juliana Patricia Tenzasas. I just revised it a little.
For questions about education-related matters, you can directly email me at mr_junniesalud@yahoo.com
Pension Risk Trends, News and Information at PensionRiskNews.comCasualtyActuary
Pension risk news and trends. Presentation also covers new companies, mergers and acquisitions, growing firms, personnel changes and other pensions information.
Predictive Analytics, Modeling News and Trends Presentation from Claude Penla...CasualtyActuary
Covers predictive analytics, modeling news and trends, including new developments, interesting applications, data dilemmas and changes, investment, employment trends, conferences and other timely information. Also see PredNews.com
12318, 1250 PMHow a soft Brexit differs from a hard one - T.docxaulasnilda
12/3/18, 12:50 PMHow a soft Brexit differs from a hard one - The Economist explains
Page 1 of 6https://www.economist.com/the-economist-explains/2018/06/25/how-a-soft-brexit-differs-from-a-hard-one
The Economist explains
The Economist explains
How a soft Brexit di!ers from a hard one
And why the ultimate Brexit may be a mixture of both
Jun 25th 2018 | by J.P.
The Economist explains
THE debate over the right terms and conditions for Britain’s departure from the
European Union is often simpli!ed into two clashing concepts: a soft Brexit and a
The Rise of the Omnichannel Shopper
Leading retailers are optimizing
mobile apps to drive sales — both
online and in-stores.
Learn more
Current edition Subscribe SearchTopics More Welcome
You are now logged in
https://www.economist.com/blogs/economist-explains
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mailto:?body=
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https://www.economist.com/
https://www.economist.com/na/printedition/2018-12-01
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https://www.economist.com/sections
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12/3/18, 12:50 PMHow a soft Brexit differs from a hard one - The Economist explains
Page 2 of 6https://www.economist.com/the-economist-explains/2018/06/25/how-a-soft-brexit-differs-from-a-hard-one
hard one. The !rst tends to be favoured by those who voted Remain in the 2016
referendum, the second by those who voted Leave. Yet what is the real, practical
di"erence between the two? And can bits of both be combined to some degree?
A soft Brexit is usually taken to refer to one that keeps Britain closely aligned with
the EU. The objective is to minimise the disruption to trade, to supply chains and to
business in general that would be created by diverging from the EU’s regulations
and standards, thereby reducing the cost of Brexit. In practice a soft Brexit means
staying within both the EU’s single market (like Norway) and its customs union
(like Turkey). Soft Brexiteers are willing to be bound by EU rules and tari"s even
though Britain will lose any say in making them. They also accept the inevitable
consequence that it will be hard, even impossible, for Britain to do any trade deals
with third countries.
A hard Brexit rejects the whole idea of close alignment. The goal is to escape
burdensome EU regulations and tari"s, so as to be able to draw up rules and
ADVERTISING
inRead invented by Teads
Replay
Learn More
Latest stories
Emmanuel Macron faces the toughest test of his presidency
EUROPE
America’s Treasury is earning billions from Donald Trump’s trade war
Rich clubs are bullying football’s administrators into submission
GAME THEORY
See more
http://teads.tv/inread-outstream/
https://www.economist.com/blog ...
Euro shorts 21.11.14 including juncker to unveil eurozone investment plan and...Cummings
The document provides summaries of recent developments in the financial services industry in Europe:
1) The UK withdrew its legal challenge to an EU cap on bankers' bonuses after an ECJ opinion supported the cap. The cap limits bonuses to 100% or 200% of salary.
2) European Commission President Juncker will unveil a €300 billion investment plan to boost jobs and growth in the EU, though much of the funding relies on projected investments from existing funds.
3) The G20 summit declaration addressed financial regulatory reforms and remaining work to strengthen the global financial system.
4) The ESMA Chair discussed post-crisis regulation, risks in areas like securitization and derivatives, and upcoming regulatory work
Geopolitical Risks and Threats - Pandemic and Other Risks - Canada and the Wo...paul young cpa, cga
It is extremely easy to blame Russia for the high inflation. The reality is inflation was rising way before Russia invaded Ukraine.
Inflationary targets tend to be 1.9% to 2.3%. With inflation over 7% for many countries, then it begs to answer the question how policy makers will address the drivers of inflation. Too many progressive governments are looking at ways to further tax individuals and businesses. Little said about the need to reform taxation and regulatory policies as part of addressing issues with productivity, skills gaps, housing costs, and innovation.
Europe Blockchain in the BFSI Market- Ken ResearchKen Research
The Europe Blockchain market in BFSI is anticipated to grow at a CAGR of 65% owing to different factors. Some of the growth drivers of European blockchain in the BFSI market are the growing demand for comprehensive security procedures, higher compatibility with the financial services sector ecosystem, and faster and less expensive cross-border payment systems.
Insurance Startups and Reinsurance Startups, by Claude Penland, ActuaryCasualtyActuary
This document summarizes recent insurance and reinsurance company startups around the world. It lists many new startup companies in various countries and regions, including Equinox Global in London, Austral Seguradora in Brazil, Liberty Mutual's joint venture in India, and Aspen opening a Swiss branch. It also outlines future startup opportunities, such as Swiss Re seeking a joint venture partner in India, new license classes in the Cayman Islands, and takaful and retakaful firms in Bermuda. The document provides links to websites with further details on these new insurance ventures around the globe.
Geopolitical Risks and Threats - Pandemic and Other Risks - Canada and the Wo...paul young cpa, cga
Future variants will continue to grow and exist. World needs to co-exist with these variants through better mitigation risk management of variants.
World government need to address issues with their healthcare model including introducing more homecare and private clinics as way to eliminate hallway medicine
Pharma/Biotech need to work with government as part of managing drug approval and costs.
All levels of government need to have audited crisis and emergency management reports
Both the private and public sector need to emphasis more health and wellness programs
More needs to be done to re-shore critical parts of the supply chain
Governments around the world need to address their fiscal gap including tax reform, program spending review, and more value for money/operational audits
Canada needs to lift their federal mandates - https://globalnews.ca/news/8928538/companies-end-covid-vaccine-mandate-canada/
Staff Report on Algorithmic Trading in US Capital Marketsmustafa sarac
This report summarizes the benefits and risks of algorithmic trading in U.S. capital markets as required by Congress. It provides an overview of the structure of equity and debt markets and how algorithms are used in trading. The report finds that algorithmic trading has generally improved market quality and liquidity during normal periods, but may exacerbate volatility during stress. It also notes operational risks from increased complexity and interconnection of markets. The report makes no policy recommendations but provides information for regulators to consider.
Blockchain Healthcare Situation Report (BC/HC SITREP) Volume 2 Issue 3, 15 - 21 Jan 2018. A weekly newsletter curating news and events relating to blockchain and healthcare by Sean Manion, CEO of Science Distributed.
CDS spreads are way up, bond yield at 7%, savers withdrawing money from banks: the day of recognizing has arrived and Greece will not avoid a bailout by end April.
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Geopolitical Risks and Threats - Pandemic and Other Risks - Canada and the Wo...paul young cpa, cga
Blog – Geopolitical Risks and Threats – Viruses and Disease Management
We are in over 2 years since the first cases of COVID and still healthcare systems are struggling with their operations.
New variants will continue to occur. More needs to be done in terms of emergency preparedness
Tax credits should be established to better support health and wellness programs.
AI will continue to be used as part of speeding up new treatments and drugs for patients
Healthcare needs to re-look at its model to move to more public-private sector model.
UK REGULATORS DECLARE START OF “BEAUTIFUL FRIENDSHIP” WITH BITCOIN, ETHEREUMSteven Rhyner
Christopher Woolard, Financial Conduct Authority (FCA) Director of Strategy and Competition, announced a regulatory sandbox for fintech companies, a first of its kind. Harriett Baldwin, Economic Secretary to the Treasury, described Bitcoin and Ethereum as “digital currencies” and proclaimed the start of a “beautiful friendship”.
La ue estudia la ttf para financiar la supervisión.ManfredNolte
The European Commission is considering funding the European Union's financial industry watchdogs (ESMA, EBA, and EIOPA) through a levy on the financial institutions they oversee, rather than through EU and national budget contributions. Currently the watchdogs receive 60% of their funding from national supervisors and 40% from the EU budget. The Commission believes this funding model should be revised given budget constraints. A tax on banks and insurers could replace the current funding, though details like the tax rate are unclear. National governments may support the shift to an industry-funded model, but some financial industry groups oppose offloading costs onto firms. The report also examines expanding the watchdogs' powers and roles.
The Blockchain Alternative. We explored some of the opportunities that Blockchain holds for investment banks and the design of institutions: from smart contracts to decentralised autonomous organisations!
What impact will the Blockchain have on investment banking in terms of the design of an institution? Let's say that we get the world to allow the Blockchain to evolve the way the paper proposes. Then what? How will this affect the way investment banks will be designed and how will they function if it is based on a Blockchain architecture?
Geopolitical Risks and Threats - Pandemic and Other Risks - Canada and the Wo...paul young cpa, cga
Summary:
World continues to face many challenges with a broken healthcare system. More needs to be done to mitigate the future impact of variants and pandemics.
The document lists several open actuarial positions at various companies. The positions include a Chief P&C Actuary in Southeast USA, a Risk Management Actuarial Leader in New York, a Chief P&C Actuary in California, a Senior P&C Actuary in Canada, a Commercial Lines Actuary in Illinois, an ERM Actuary in Northeast USA, a Catastrophe Risk Modeler & Actuary in Minnesota, and an Insurance Pricing Actuary in Germany. The positions require credentials like FCAS or ACAS and experience levels ranging from 4 to 16+ years depending on the role.
The document advertises several actuarial job openings from an actuarial recruiting firm called Ezra Penland. The jobs include positions like a Chief Analytics Officer in the UK, a catastrophe risk modeler in California, a commercial pricing actuary in the Midwest US, and predictive modeling roles in various locations. The recruiter, Ezra Penland, has over 35 years of industry experience helping to fill actuarial roles.
Ezra Penland is an actuarial recruitment firm with over 35 years of industry experience. They are listing several open actuarial positions including Chief Actuary in the Southeast USA, Reserving Actuary in New York, Commercial Pricing Actuary in Texas, Risk Management Actuary in Canada, Chief Analytics Officer in the United Kingdom, and Actuarial Consultant in New Jersey. Requirements for the positions include qualifications like ACAS, FCAS, or FCIA and experience levels ranging from 3 to 16 years depending on the role.
This document advertises several actuarial job openings from Ezra Penland, an actuarial recruitment firm with over 35 years of experience. Positions include a commercial lines pricing actuary in the Midwest, a predictive modeling manager in California, a personal lines pricing manager in Wisconsin, and a predictive modeling leader in New York. Additional openings include catastrophe risk modelers in Texas, a specialty lines actuary in Georgia, professional liability pricing actuaries in the Northeast, and a commercial ratemaking actuary in Massachusetts.
Ezra Penland is an actuarial recruitment firm with over 35 years of industry experience. They are listing several open actuarial positions including a leadership role in Georgia paying up to $250k requiring 15+ years experience, a commercial pricing actuary role in Asia, and an ACAS or near-ACAS role in Massachusetts requiring exceptional modeling and programming skills. Other roles listed are in Australia, Midwest USA, Northeast USA, Canada, Southeast USA, Illinois, and New York.
The document describes several open actuarial positions across various US states and specialties. Positions range from entry-level analyst roles to chief actuary roles. Requirements include qualifications like ACAS, FCAS, SQL skills, predictive modeling experience, pricing experience, and more. Compensation for positions is noted to be $250k+ for one role. Contact information is provided for the actuarial recruiting firm.
Page 1 contingencies september 2014 ezra penlandCasualtyActuary
The document lists several open actuarial and analytics positions available through Ezra Penland. Positions include a health ASA with SAS skills in the Northeast USA, a health consulting actuary in the Southeast USA, and an FSA actuary with accident and health or group experience in New York. Other roles mentioned include a financial forecasting actuary in the Midwest USA, a long term care actuary in the Southeast USA, and a life modeling actuary and director role in Iowa.
Other ad contingencies september 2014 ezra penlandCasualtyActuary
The document contains job listings from Ezra Penland Actuarial Recruitment for various actuarial positions in property/casualty insurance, health insurance, pensions, and life insurance. Requirements include credentials like FCAS/ACAS and years of experience ranging from 2 to 15 years. Industries include insurers, consulting firms, and locations span the Northeast US, Midwest US, Canada, UK, Illinois, Bermuda.
January 2014 contingencies ezra penland back inside coverCasualtyActuary
Ezra Penland is an actuarial recruitment firm with over 35 years of industry experience. They are currently seeking candidates for three open actuarial positions: a reserving manager in the Midwest requiring 15+ years experience and an FCAS, a health actuary in the West requiring 10+ years experience including some Medicaid and management experience, and a life actuary in the Midwest requiring 7-15 years experience and skills in asset-liability modeling and analysis software.
This document contains descriptions of 8 actuarial job openings from Ezra Penland, an actuarial recruitment firm. The jobs are in various locations and fields including consulting, predictive modeling, professional liability, pricing, analytics, annuities, asset/liability modeling, health, and forecasting/pricing. Qualifications for the positions include requirements for accreditations and levels of experience in different areas of actuarial work.
Contingencies page1 ezra penland january 2014CasualtyActuary
The document advertises several open actuarial positions at different companies. It lists positions for chief property and casualty actuaries in California and the Southeast USA, a senior property and casualty actuary in Canada, an enterprise risk management actuary in the Northeast USA, a director of health actuarial services in Massachusetts, a consulting life actuary in Canada, and a life actuary position in the Midwest USA. Contact information is provided for Ezra Penland, an actuarial recruitment firm with over 35 years of industry experience.
Contingencies page 1 regular ad ezra penland march 2014CasualtyActuary
Ezra Penland is a recruitment firm with over 35 years of experience in the actuarial industry. They are advertising several open actuarial positions at companies across the United States, including risk modeler, personal lines actuary, ERM modeler, risk management leader, senior health actuary, health ASA, life modeling actuary, and ALM actuary and VP roles in Massachusetts, the Midwest, Northeast, Florida, Western USA, and New York. The positions require various credentials and levels of experience such as PhDs, FSAs, CAS and SOA designations.
The document contains job listings from Ezra Penland Actuarial Recruitment for various actuarial positions in property/casualty, life, health, and predictive modeling. Requirements include credentials like FCAS and experience levels ranging from 2 to 12+ years. Locations include Northeast, Midwest, California, New York, Wisconsin, Southeast USA, Texas, and Arizona. Duties involve areas such as pricing, reserving, modeling, and management roles.
Contingencies job seeker right side centerfoldCasualtyActuary
Ezra Penland Actuarial Recruitment is a leading actuarial recruitment firm that conducts industry salary surveys and places actuaries of all levels. The firm was founded by Sally Ezra and Claude Penland, who have over 35 years of combined industry experience. Ezra Penland aims to be the top actuarial recruitment firm globally by serving clients and actuaries' long-term needs. The firm publishes up-to-date salary surveys covering various actuarial employers and experience levels on its website.
Contingencies job seeker left side centerfoldCasualtyActuary
The document contains job listings from Ezra Penland Actuarial Recruitment for various actuarial positions in property/casualty, life, health, and reinsurance. Locations include Northeast US, Atlanta, South Korea, Midwest US, New York, Japan, Iowa, and Bermuda. Requirements include qualifications like ACAS, FCAS, FSA and experience levels ranging from 2-15 years. Skills in areas like pricing, reserving, programming, product development and statistical modeling are mentioned.
This document lists several actuarial job openings from an actuarial recruiting firm. Positions include an ACAS manager role in China, commercial lines actuaries in the Southeast U.S., a reserving actuary in California, a pricing manager role in Germany, a health and welfare actuary in Massachusetts, actuaries with Medicare Advantage experience in the Western U.S., a life reinsurance actuary in Canada, and a financial and investment strategy actuary in New York. Requirements for the positions include credentials like ACAS, FSA, and experience levels ranging from recently-credentialed to 10+ years.
Ezra Penland Left Side Contingencies Nov 2014CasualtyActuary
This document lists various actuarial job openings across different locations in the US and Australia. The jobs range from associate to director level positions and span various practice areas including healthcare, life, P&C, and risk management. Candidates with qualifications like FSA, ASA, FCAS, ACAS are sought for roles involving tasks such as financial analysis, modeling, pricing, and management.
The document lists several actuarial job postings from the recruitment firm Ezra Penland. The positions cover a range of roles, locations, and experience levels within property & casualty, life, health, and pension insurance. Qualifications listed include required actuarial credentials and years of experience. Specialized experience is also noted for some roles such as ratemaking, management, business development, modeling, and healthcare reform.
Actuary Salary Surveys and Brochure - Ezra Penland Actuarial RecruitmentCasualtyActuary
This document provides information about Ezra Penland Actuarial Recruitment, a firm that specializes in actuarial recruitment. It introduces the partners, Sally Ezra and Claude Penland, and describes the services offered. It also provides biographies of the recruiters, details of retained and contingent search types, and links to actuarial salary surveys published by the company.
Life Actuarial Jobs, Financial Employment, ERM, AnnuitiesCasualtyActuary
This document lists over 100 actuarial job postings in life and annuities in the Northeast, Southeast, Midwest, and West regions of the US. The jobs range from entry-level analyst roles to vice president and chief actuary positions and include opportunities in pricing, financial reporting, risk management, and other areas. Contact information is provided to apply for these openings.
Easily Verify Compliance and Security with Binance KYCAny kyc Account
Use our simple KYC verification guide to make sure your Binance account is safe and compliant. Discover the fundamentals, appreciate the significance of KYC, and trade on one of the biggest cryptocurrency exchanges with confidence.
Part 2 Deep Dive: Navigating the 2024 Slowdownjeffkluth1
Introduction
The global retail industry has weathered numerous storms, with the financial crisis of 2008 serving as a poignant reminder of the sector's resilience and adaptability. However, as we navigate the complex landscape of 2024, retailers face a unique set of challenges that demand innovative strategies and a fundamental shift in mindset. This white paper contrasts the impact of the 2008 recession on the retail sector with the current headwinds retailers are grappling with, while offering a comprehensive roadmap for success in this new paradigm.
How to Implement a Real Estate CRM SoftwareSalesTown
To implement a CRM for real estate, set clear goals, choose a CRM with key real estate features, and customize it to your needs. Migrate your data, train your team, and use automation to save time. Monitor performance, ensure data security, and use the CRM to enhance marketing. Regularly check its effectiveness to improve your business.
Best practices for project execution and deliveryCLIVE MINCHIN
A select set of project management best practices to keep your project on-track, on-cost and aligned to scope. Many firms have don't have the necessary skills, diligence, methods and oversight of their projects; this leads to slippage, higher costs and longer timeframes. Often firms have a history of projects that simply failed to move the needle. These best practices will help your firm avoid these pitfalls but they require fortitude to apply.
Industrial Tech SW: Category Renewal and CreationChristian Dahlen
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
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B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
Structural Design Process: Step-by-Step Guide for BuildingsChandresh Chudasama
The structural design process is explained: Follow our step-by-step guide to understand building design intricacies and ensure structural integrity. Learn how to build wonderful buildings with the help of our detailed information. Learn how to create structures with durability and reliability and also gain insights on ways of managing structures.
Discover timeless style with the 2022 Vintage Roman Numerals Men's Ring. Crafted from premium stainless steel, this 6mm wide ring embodies elegance and durability. Perfect as a gift, it seamlessly blends classic Roman numeral detailing with modern sophistication, making it an ideal accessory for any occasion.
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How MJ Global Leads the Packaging Industry.pdfMJ Global
MJ Global's success in staying ahead of the curve in the packaging industry is a testament to its dedication to innovation, sustainability, and customer-centricity. By embracing technological advancements, leading in eco-friendly solutions, collaborating with industry leaders, and adapting to evolving consumer preferences, MJ Global continues to set new standards in the packaging sector.
The Genesis of BriansClub.cm Famous Dark WEb PlatformSabaaSudozai
BriansClub.cm, a famous platform on the dark web, has become one of the most infamous carding marketplaces, specializing in the sale of stolen credit card data.
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