Little is known about retirement and income dynamics. In part this is due to lack of data. The study is based on extensive longitudinal data of 500,000 persons from Finnish Total Statistics of Income Distribution, covering 1995–2004. The data include all register-based annual income data. We choose 2003 for our transition year for retirement and include among the retired all persons with pension income starting from 2003 and no previous pension income. For most retired persons the pension is the main source of income but some persons retire partially due to the availability of part-time pensions in Finland. Change in income is examined using several complementary income replacement ratios which are calculated using either gross or net income before and after the retirement year. In addition, the study emphasises pension replacement rates which are calculated using the ratio of all pensions granted in the person’s own right to previous real income where we have subtracted capital income from gross income. The calculations compare 2004 with either, income from 2001 or, alternatively the average real income for the five years 1997–2001. Income replacement rates which are based on actual data vary extensively and their distribution is heavily skewed to the right. The median is the best summary statistics for the location of the distribution. We report results on pension replacement ratios by sex, retirement age, and source of income (wage earner, entrepreneur, unemployed, or person who relies on some other form of transfers) and income decile group prior to retirement.
This short document repeats the phrase "PRODUCED BY AN AUTODESK EDUCATIONAL PRODUCT" four times, indicating that whatever content it accompanies was produced using an Autodesk educational software or tool for learning purposes.
1. Proposal ini menawarkan solusi iklan melalui pesan singkat (SMS) dan multimedia (MMS) untuk menargetkan pelanggan telepon seluler di Indonesia.
2. Metode yang ditawarkan termasuk pengiriman SMS secara masal (broadcast), berdasarkan profil pelanggan (profiling), dan lokasi pelanggan (LBA).
3. Telkomsel dipilih karena jangkauannya yang luas di Indonesia dan jumlah pelanggan yang besar.
Little is known about retirement and income dynamics. In part this is due to lack of data. The study is based on extensive longitudinal data of 500,000 persons from Finnish Total Statistics of Income Distribution, covering 1995–2004. The data include all register-based annual income data. We choose 2003 for our transition year for retirement and include among the retired all persons with pension income starting from 2003 and no previous pension income. For most retired persons the pension is the main source of income but some persons retire partially due to the availability of part-time pensions in Finland. Change in income is examined using several complementary income replacement ratios which are calculated using either gross or net income before and after the retirement year. In addition, the study emphasises pension replacement rates which are calculated using the ratio of all pensions granted in the person’s own right to previous real income where we have subtracted capital income from gross income. The calculations compare 2004 with either, income from 2001 or, alternatively the average real income for the five years 1997–2001. Income replacement rates which are based on actual data vary extensively and their distribution is heavily skewed to the right. The median is the best summary statistics for the location of the distribution. We report results on pension replacement ratios by sex, retirement age, and source of income (wage earner, entrepreneur, unemployed, or person who relies on some other form of transfers) and income decile group prior to retirement.
This short document repeats the phrase "PRODUCED BY AN AUTODESK EDUCATIONAL PRODUCT" four times, indicating that whatever content it accompanies was produced using an Autodesk educational software or tool for learning purposes.
1. Proposal ini menawarkan solusi iklan melalui pesan singkat (SMS) dan multimedia (MMS) untuk menargetkan pelanggan telepon seluler di Indonesia.
2. Metode yang ditawarkan termasuk pengiriman SMS secara masal (broadcast), berdasarkan profil pelanggan (profiling), dan lokasi pelanggan (LBA).
3. Telkomsel dipilih karena jangkauannya yang luas di Indonesia dan jumlah pelanggan yang besar.
יוסי אמודאי - האם חברות ביטוח פחות מניבות למשקיעים?יוסי אמודאי
יוסי אמודאי מסביר כי לפי כתבה שהתפרסמה באתר דה מרקר, חברות הביטוח כבר לא אופציה על השוק משום שבעקבות הרגולציה והעלייה בתוחלת החיים, הן מניבות פחות תשואה למשקיעים. מה שאפיין את חברות הביטוח הוא שיעור צמיחה גבוה בנכסים.
O documento descreve uma viagem imaginária através de escalas de distância em potências de 10, indo do microcosmo ao macrocosmo. Começa no nível de átomos e partículas subatômicas, e aumenta até alcançar distâncias cósmicas medidas em anos-luz, observando como as leis físicas permanecem as mesmas em todas as escalas. Reflete sobre nossa pequenez em relação ao universo e sobre o quanto ainda precisamos aprender.
Jakub Lisiński: Czynnik ludzki w procesie tworzenia gryGameDesire Academy
Tworzenie gry to proces kreatywny, w który zaangażowany jest cały zespół. Bardzo istotna, na każdym etapie tworzenia gry, jest współpraca między ludźmi – atmosfera, komunikacja oraz zdolność przyjmowania krytyki. Wynik tej współpracy wpłynie na efekt końcowy projektu, którym jest gra.
Prowadzący: Maciej Mróz, CEO Ganymede
Zobacz prezentację na You Tube: https://www.youtube.com/watch?v=wNS3M6o71tc
Lai skolēnos veidotu priekšstatu par bioloģiskās daudzveidības samazināšanos un tās saglabāšanas iespējām, Jelgavas Valsts ģimnāzijā 7. b klasē notika Pasaules lielākā mācību stunda par bioloģisko daudzveidību. Plašāk: http://skolas.unesco.lv/lv/pasaules-lielaka-stunda/jelgavas-valsts-gimnazijas-7-b-klases-pasaules-lielaka-macibu-stunda-biologiska-daudzveidiba/
El documento habla sobre los riesgos del uso de Internet y la iniciativa de "Internet sano" para prevenirlos. Describe los principales riesgos como información poco fiable, contacto con extraños, adicciones y estafas. Recomienda que los docentes eduquen a los estudiantes sobre usar Internet de forma segura, utilizando protecciones y enseñándoles a no revelar información personal.
Dokumen tersebut membahas tentang Daerah Tingkat I Sumatera Selatan. Daerah ini memiliki luas wilayah 109.254 km2 dan memiliki berbagai potensi sumber daya alam seperti pertanian, perkebunan, hutan, pertambangan dan perikanan. Namun demikian, daerah ini masih menghadapi berbagai tantangan seperti produktivitas pertanian dan perkebunan yang rendah, ketergantungan pada satu komoditas, isolasi daerah terpencil
III Encontro de Portos da CPLP – Adalberto Francisco - Multiterminais, AngolaPortos de Portugal
O documento discute o desenvolvimento tecnológico no Terminal de Carga Geral do Porto de Luanda. Ele propõe atualizações como silos para cereais, armazéns de frio, novos equipamentos de carga e descarga, reconstrução do cais e pavimentos, e melhorias nos armazéns para aumentar a produção e eficiência do terminal. O objetivo é adaptar o terminal às evoluções dos navios e equipamentos portuários.
Black Friday ble i 2015 arrangert 27.november. Netthandel.no har samlet sammen noen skjermdumper som viser hvordan noen utvalgte butikker så ut på denne store salgsdagen.
יוסי אמודאי - האם חברות ביטוח פחות מניבות למשקיעים?יוסי אמודאי
יוסי אמודאי מסביר כי לפי כתבה שהתפרסמה באתר דה מרקר, חברות הביטוח כבר לא אופציה על השוק משום שבעקבות הרגולציה והעלייה בתוחלת החיים, הן מניבות פחות תשואה למשקיעים. מה שאפיין את חברות הביטוח הוא שיעור צמיחה גבוה בנכסים.
O documento descreve uma viagem imaginária através de escalas de distância em potências de 10, indo do microcosmo ao macrocosmo. Começa no nível de átomos e partículas subatômicas, e aumenta até alcançar distâncias cósmicas medidas em anos-luz, observando como as leis físicas permanecem as mesmas em todas as escalas. Reflete sobre nossa pequenez em relação ao universo e sobre o quanto ainda precisamos aprender.
Jakub Lisiński: Czynnik ludzki w procesie tworzenia gryGameDesire Academy
Tworzenie gry to proces kreatywny, w który zaangażowany jest cały zespół. Bardzo istotna, na każdym etapie tworzenia gry, jest współpraca między ludźmi – atmosfera, komunikacja oraz zdolność przyjmowania krytyki. Wynik tej współpracy wpłynie na efekt końcowy projektu, którym jest gra.
Prowadzący: Maciej Mróz, CEO Ganymede
Zobacz prezentację na You Tube: https://www.youtube.com/watch?v=wNS3M6o71tc
Lai skolēnos veidotu priekšstatu par bioloģiskās daudzveidības samazināšanos un tās saglabāšanas iespējām, Jelgavas Valsts ģimnāzijā 7. b klasē notika Pasaules lielākā mācību stunda par bioloģisko daudzveidību. Plašāk: http://skolas.unesco.lv/lv/pasaules-lielaka-stunda/jelgavas-valsts-gimnazijas-7-b-klases-pasaules-lielaka-macibu-stunda-biologiska-daudzveidiba/
El documento habla sobre los riesgos del uso de Internet y la iniciativa de "Internet sano" para prevenirlos. Describe los principales riesgos como información poco fiable, contacto con extraños, adicciones y estafas. Recomienda que los docentes eduquen a los estudiantes sobre usar Internet de forma segura, utilizando protecciones y enseñándoles a no revelar información personal.
Dokumen tersebut membahas tentang Daerah Tingkat I Sumatera Selatan. Daerah ini memiliki luas wilayah 109.254 km2 dan memiliki berbagai potensi sumber daya alam seperti pertanian, perkebunan, hutan, pertambangan dan perikanan. Namun demikian, daerah ini masih menghadapi berbagai tantangan seperti produktivitas pertanian dan perkebunan yang rendah, ketergantungan pada satu komoditas, isolasi daerah terpencil
III Encontro de Portos da CPLP – Adalberto Francisco - Multiterminais, AngolaPortos de Portugal
O documento discute o desenvolvimento tecnológico no Terminal de Carga Geral do Porto de Luanda. Ele propõe atualizações como silos para cereais, armazéns de frio, novos equipamentos de carga e descarga, reconstrução do cais e pavimentos, e melhorias nos armazéns para aumentar a produção e eficiência do terminal. O objetivo é adaptar o terminal às evoluções dos navios e equipamentos portuários.
Black Friday ble i 2015 arrangert 27.november. Netthandel.no har samlet sammen noen skjermdumper som viser hvordan noen utvalgte butikker så ut på denne store salgsdagen.
3. SSBs bilde 3. kvartal – nedgang i detaljhandel
• Ned med 0,8 prosent fra
august til september i år,
viser sesongjusterte tall.
Dette skjer etter en nedgang
på 0,4 prosent fra juli til
august i år.
6. Black Friday
(Grafen viser transaksjonsvolum gjennomført hos
betalingsleverandøren Klarna i perioden 01.10-30.12.2014).
Kilde: http://www.convert.no/blogg/black-friday/
7. Reglene er enkle…
• Del raust av din kunnskap
• Bransje og omsetningsstørrelse er underordnet
• Nettverksbygging like viktig som
• Alle er eksperter
• Ingen salgsarena
Deltakende bedrifter
(noen eksempler)
29. Til diskusjon
• Black Week, Gråtorsdag, Cyberweekend, Black Friday, Cyber Monday
• Hva skal man satse på i år?
• Prisfokus - Er det bare store rabatter som gjelder på Black Friday?
• Tøff konkurranse i alle bransjer- Hvordan skille seg ut?
• Er Black Friday egentlig positivt for norske nettbutikker?
36. 6) Vær dobbelt så synlig som ellers
• 2 x Nyhetsbrev
• 2 x Bannerannonser
• 2 x Sosiale medier
• 2 x Adwords
37. 7) Ikke gå tom for bestselgere
• Bestselgere i fjor
• Bestselgere Q3 i år
• Husk at kundene har andre
varer i fokus når de handler
julegaver
38. 8) Ikke glem kundeservice
• Vær tilgjengelig i alle kanaler og svar umiddelbart
• SoMe, epost, telefon, blogg, butikk etc
• Utvid åpningstidene
• Vær tydelig på åpningstider
• Ikke gjem bort kontaktinfo
50. 20) God dialog med IT- og logistikkpartnere
• Nedlastingstid og stabilitet
• Supportavtale med dine IT-partnere
• Tidspunkt og frekvens for henting
• Siste frist for levering innen julaften
• Kampanjetilbud på f.eks hjemlevering
og ekspressleveranser