The document discusses how the US manufacturing industry can deal with recession by adjusting training budgets and methods. It notes that training budgets are often one of the first things cut during recessions, but training is important for replacing retiring workers and improving productivity. It provides recommendations for low-cost training solutions including on-site instruction, seminars, online courses, and simulation software. It suggests manufacturers look for grants and spread costs over multiple months. Individuals are advised to diversify training and seek certificates to improve job prospects.
Este documento habla sobre la importancia de estudiar y prepararse para el futuro. Explica que todos los trabajos requieren aprender ciertas técnicas y organizarse bien para tener éxito. Recomienda llevar una agenda para organizar las tareas diarias y utilizar técnicas como subrayar, hacer resúmenes y esquemas para estudiar de manera efectiva. El objetivo es motivar a los estudiantes a esforzarse y convertirse en buenos estudiantes.
Studio-C is a full service photography studio with four staff photographers and over fifty years of combined experience in food, jewelry, product, fashion, and location photography. The section is featured work from Barclay Hughes, who has fifteen years of photography experience taking him around the world. Barclay received an MFA from Yale in 2000 and brings artistic integrity to his portrait and fashion work, combining a strong background in commercial photography with an understanding of light and color. For more information or project bids, contact John Bouvatte.
The document provides a discography of albums released by The Beach Boys between 1962-1970. It lists the album titles, release years, and track listings. Some of the early albums included are Surfin' Safari (1962), Surfin' U.S.A. (1963), Surfer Girl (1963), and Little Deuce Coupe (1963). Later influential albums listed are Pet Sounds (1966), Friends (1968), and Sunflower (1970). Links to download the albums in multiple parts are also provided.
Este documento habla sobre la libertad y dignidad inherente de todas las personas. Reconoce que aunque los hombres y mujeres se unen y tienen hijos juntos, las relaciones no siempre funcionan bien debido a problemas como los celos y la desconfianza. Sin embargo, enfatiza que las mujeres no son meros números sino seres humanos con nombre como nuestras abuelas, madres y vecinas. También critica la violencia contra la mujer ejercida en nombre de la religión y cómo algunos hombres deciden lo que pueden hacer y pensar las mujeres. Cita el ej
The document discusses how the US manufacturing industry can deal with recession by adjusting training budgets and methods. It notes that training budgets are often one of the first things cut during recessions, but training is important for replacing retiring workers and improving productivity. It provides recommendations for low-cost training solutions including on-site instruction, seminars, online courses, and simulation software. It suggests manufacturers look for grants and spread costs over multiple months. Individuals are advised to diversify training and seek certificates to improve job prospects.
Este documento habla sobre la importancia de estudiar y prepararse para el futuro. Explica que todos los trabajos requieren aprender ciertas técnicas y organizarse bien para tener éxito. Recomienda llevar una agenda para organizar las tareas diarias y utilizar técnicas como subrayar, hacer resúmenes y esquemas para estudiar de manera efectiva. El objetivo es motivar a los estudiantes a esforzarse y convertirse en buenos estudiantes.
Studio-C is a full service photography studio with four staff photographers and over fifty years of combined experience in food, jewelry, product, fashion, and location photography. The section is featured work from Barclay Hughes, who has fifteen years of photography experience taking him around the world. Barclay received an MFA from Yale in 2000 and brings artistic integrity to his portrait and fashion work, combining a strong background in commercial photography with an understanding of light and color. For more information or project bids, contact John Bouvatte.
The document provides a discography of albums released by The Beach Boys between 1962-1970. It lists the album titles, release years, and track listings. Some of the early albums included are Surfin' Safari (1962), Surfin' U.S.A. (1963), Surfer Girl (1963), and Little Deuce Coupe (1963). Later influential albums listed are Pet Sounds (1966), Friends (1968), and Sunflower (1970). Links to download the albums in multiple parts are also provided.
Este documento habla sobre la libertad y dignidad inherente de todas las personas. Reconoce que aunque los hombres y mujeres se unen y tienen hijos juntos, las relaciones no siempre funcionan bien debido a problemas como los celos y la desconfianza. Sin embargo, enfatiza que las mujeres no son meros números sino seres humanos con nombre como nuestras abuelas, madres y vecinas. También critica la violencia contra la mujer ejercida en nombre de la religión y cómo algunos hombres deciden lo que pueden hacer y pensar las mujeres. Cita el ej
Alt c 13 getting the most out of (y)our vleAndyBeggan
This document summarizes efforts to maximize the use of Moodle, the virtual learning environment (VLE), at the University of Nottingham. Focus groups and surveys with students provided feedback that usage varied widely across schools, materials were not always well organized, and features were unknown. Staff feedback indicated positive attitudes towards Moodle's flexibility but that it was mainly used as a document store. Moving forward, the university plans to promote best practices, provide more training, and work with students and staff to improve the user experience and encourage more consistent adoption of Moodle across the institution.
Social Media - The Art & Science of Linked In - March 2011MONEY3
Using LINKED IN to gain exposure, engage customers, and grow your business.
Discover why Linked In is the most powerful yet underutilised Social Media platform for Business-to-Business (B2B) enterprises and Professional Services Firms.
Lviv MD Day 2015 Сергій Козирєв "Android Wear Development"Lviv Startup Club
This document provides an overview of Android Wear development including the development environment, notifications, apps, communication methods, UI components, ambient mode support, watchfaces, and additional resources. Key points covered include enabling developer mode, including a wear app in the release APK, using notifications, designing apps and UI for small screens and battery life, sending data between devices, and creating interactive and ambient watchfaces that avoid screen burning.
The Complete Single Collection Elvis PresleyElvisMania
This document is a blog post about Elvis Presley's album "The Complete Single Collection". It provides a tracklisting for each of the 4 CDs in the collection. It includes songs such as "Heartbreak Hotel", "Hound Dog", "Jailhouse Rock" and "Can't Help Falling In Love". The post also includes links to download each part of the album and images of Elvis Presley and Jimi Hendrix.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise boosts blood flow, releases endorphins, and promotes changes in the brain which help regulate emotions and stress levels.
The document discusses government interventions to protect people's right to life from an international perspective. It covers three main topics: 1) the right to life and international agreements like the Universal Declaration of Human Rights, 2) social work's role in upholding human rights from a global viewpoint, 3) interventions by governments like Scotland's to safeguard vulnerable children and adults from harm while balancing individual privacy. The role of social work is to support all people's inherent right to life.
Este documento habla sobre el sexo de forma natural y positiva. Explica que el sexo es parte natural de la vida y que debemos aceptarlo y entenderlo como tal. Finalmente, resume que hemos aprendido a ver el sexo como algo natural y no avergonzarnos de ello.
Este documento proporciona instrucciones sobre qué hacer en caso de incendio en la escuela. Indica que si se detecta un incendio se debe informar inmediatamente al ordenanza, quien activará la alarma. Los estudiantes deben salir de manera ordenada siguiendo las instrucciones de sus profesores y dirigirse al punto de control exterior, donde se pasará lista. El personal revisará que no quede nadie en el edificio antes de acceder también al punto de control.
This document summarizes the key findings of a 2011 social media marketing industry report. The report is based on a survey of over 3,300 marketers. Some of the main findings include:
1) Marketers are most interested in learning how to measure the impact of social media marketing and integrate their various social media activities.
2) Most marketers spend 6 or more hours per week on social media marketing, with over a third spending 11+ hours.
3) Generating business exposure is the top benefit of social media marketing according to 88% of respondents.
4) Facebook, Twitter, LinkedIn, and blogs are the most commonly used social media tools.
5) Video marketing on
Este documento habla sobre la importancia de prepararse para el trabajo y estudiar de manera efectiva. Resalta que todos los trabajos requieren aprender ciertas técnicas, y que profesiones como ingeniería, medicina y albañilería necesitan realizarse bien para garantizar la seguridad de las personas. También enfatiza que ser estudiante requiere esfuerzo y organización para conseguir terminar con éxito la educación obligatoria, y proporciona consejos sobre cómo organizar el estudio mediante el uso de una agenda, resúmenes, sub
Lviv MD Day 2015 Володимир Блажівський "Дизайнер VS Девелопер — як завершити ...Lviv Startup Club
The document discusses the roles of designers and developers on a project team. It compares their responsibilities such as designing vs developing, working with colors vs working with code, and different tools used. It emphasizes that designers and developers should work as one team with mutual understanding, knowledge sharing, loyalty and motivation to complete projects successfully.
Este documento trata sobre la solidaridad y la pobreza. Habla sobre no dar por sentadas las cosas que se tienen como comida y hogar. También menciona que no todo el mundo vive como nosotros y que algunas personas pasan hambre. Alienta a la gente a ser más conscientes de su privilegio y a considerar ayudar a organizaciones no gubernamentales que trabajan para aliviar el hambre.
Alt c 13 getting the most out of (y)our vleAndyBeggan
This document summarizes efforts to maximize the use of Moodle, the virtual learning environment (VLE), at the University of Nottingham. Focus groups and surveys with students provided feedback that usage varied widely across schools, materials were not always well organized, and features were unknown. Staff feedback indicated positive attitudes towards Moodle's flexibility but that it was mainly used as a document store. Moving forward, the university plans to promote best practices, provide more training, and work with students and staff to improve the user experience and encourage more consistent adoption of Moodle across the institution.
Social Media - The Art & Science of Linked In - March 2011MONEY3
Using LINKED IN to gain exposure, engage customers, and grow your business.
Discover why Linked In is the most powerful yet underutilised Social Media platform for Business-to-Business (B2B) enterprises and Professional Services Firms.
Lviv MD Day 2015 Сергій Козирєв "Android Wear Development"Lviv Startup Club
This document provides an overview of Android Wear development including the development environment, notifications, apps, communication methods, UI components, ambient mode support, watchfaces, and additional resources. Key points covered include enabling developer mode, including a wear app in the release APK, using notifications, designing apps and UI for small screens and battery life, sending data between devices, and creating interactive and ambient watchfaces that avoid screen burning.
The Complete Single Collection Elvis PresleyElvisMania
This document is a blog post about Elvis Presley's album "The Complete Single Collection". It provides a tracklisting for each of the 4 CDs in the collection. It includes songs such as "Heartbreak Hotel", "Hound Dog", "Jailhouse Rock" and "Can't Help Falling In Love". The post also includes links to download each part of the album and images of Elvis Presley and Jimi Hendrix.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise boosts blood flow, releases endorphins, and promotes changes in the brain which help regulate emotions and stress levels.
The document discusses government interventions to protect people's right to life from an international perspective. It covers three main topics: 1) the right to life and international agreements like the Universal Declaration of Human Rights, 2) social work's role in upholding human rights from a global viewpoint, 3) interventions by governments like Scotland's to safeguard vulnerable children and adults from harm while balancing individual privacy. The role of social work is to support all people's inherent right to life.
Este documento habla sobre el sexo de forma natural y positiva. Explica que el sexo es parte natural de la vida y que debemos aceptarlo y entenderlo como tal. Finalmente, resume que hemos aprendido a ver el sexo como algo natural y no avergonzarnos de ello.
Este documento proporciona instrucciones sobre qué hacer en caso de incendio en la escuela. Indica que si se detecta un incendio se debe informar inmediatamente al ordenanza, quien activará la alarma. Los estudiantes deben salir de manera ordenada siguiendo las instrucciones de sus profesores y dirigirse al punto de control exterior, donde se pasará lista. El personal revisará que no quede nadie en el edificio antes de acceder también al punto de control.
This document summarizes the key findings of a 2011 social media marketing industry report. The report is based on a survey of over 3,300 marketers. Some of the main findings include:
1) Marketers are most interested in learning how to measure the impact of social media marketing and integrate their various social media activities.
2) Most marketers spend 6 or more hours per week on social media marketing, with over a third spending 11+ hours.
3) Generating business exposure is the top benefit of social media marketing according to 88% of respondents.
4) Facebook, Twitter, LinkedIn, and blogs are the most commonly used social media tools.
5) Video marketing on
Este documento habla sobre la importancia de prepararse para el trabajo y estudiar de manera efectiva. Resalta que todos los trabajos requieren aprender ciertas técnicas, y que profesiones como ingeniería, medicina y albañilería necesitan realizarse bien para garantizar la seguridad de las personas. También enfatiza que ser estudiante requiere esfuerzo y organización para conseguir terminar con éxito la educación obligatoria, y proporciona consejos sobre cómo organizar el estudio mediante el uso de una agenda, resúmenes, sub
Lviv MD Day 2015 Володимир Блажівський "Дизайнер VS Девелопер — як завершити ...Lviv Startup Club
The document discusses the roles of designers and developers on a project team. It compares their responsibilities such as designing vs developing, working with colors vs working with code, and different tools used. It emphasizes that designers and developers should work as one team with mutual understanding, knowledge sharing, loyalty and motivation to complete projects successfully.
Este documento trata sobre la solidaridad y la pobreza. Habla sobre no dar por sentadas las cosas que se tienen como comida y hogar. También menciona que no todo el mundo vive como nosotros y que algunas personas pasan hambre. Alienta a la gente a ser más conscientes de su privilegio y a considerar ayudar a organizaciones no gubernamentales que trabajan para aliviar el hambre.
Οι ασφαλίσεις Ζωής αποτελούν ένα από τους μεγαλύτερους τομείς δραστηριοποίησης της Ιδιωτικής ασφάλισης στην Ελλάδα όπου συμμετέχουν 23 ασφαλιστικές επιχειρήσεις με συνολική παραγωγή ασφαλίστρων 1,9 δισ. € το 2016, αυξημένη κατά 6,1% σε σχέση με το 2015. Επιπροσθέτως, παραγωγή ασφαλίστρων ύψους 215 εκατ. € καταγράφηκε το 2016 στις ασφαλίσεις ατυχημάτων και ασθενειών.
Από την έρευνα της ΕΑΕΕ μεταξύ των ασφαλιστικών επιχειρήσεων–μελών της, προέκυψε ότι από το σύνολο της παραγωγής των ασφαλίσεων Ζωής και Υγείας, ποσό 1,5 δισ. € αφορούσε σε ατομικές ασφαλίσεις και 0,5 δισ. € σε ομαδικές ασφαλίσεις.
Στις ατομικές ασφαλίσεις, ενισχύθηκε κατά πολύ η αναλογία των παραδοσιακών ασφαλίσεων Ζωής ως προς το σύνολο, ενώ στις ομαδικές ασφαλίσεις αυξήθηκε κατά πολύ η συμμετοχή των ομαδικών συνταξιοδοτικών προγραμμάτων.
Οι πληρωθείσες αποζημιώσεις έφτασαν το 1,7 δισ. €, εκ των οποίων 1,3 δισ. € αντιστοιχούσαν σε ατομικές ασφαλίσεις και 388 εκατ. € σε ομαδικές ασφαλίσεις. Στις ατομικές ασφαλίσεις, η αναλογία των αποζημιώσεων μεταξύ των καλύψεων έμεινε σχεδόν σταθερή σε σχέση με το 2015 ενώ στις ομαδικές ασφαλίσεις ενισχύθηκε η συμμετοχή των αποζημιώσεων των ασφαλίσεων δανειοληπτών.
Ένας από τους στόχους της έρευνας της ΕΑΕΕ ήταν η διερεύνηση του μερισμού της παραγωγής ασφαλίστρων, αναλόγως της συμμετοχής των καναλιών διανομής.
Στις ατομικές ασφαλίσεις, οι ασφαλιστικοί διαμεσολαβητές αποκλειστικής συνεργασίας και η συνεργασία με τις τράπεζες (bancassurance) είναι τα δύο κανάλια διανομής με το μεγαλύτερο μερίδιο τόσο στις ασφαλίσεις Ζωής και Υγείας όσο και στις ασφαλίσεις Ζωής συνδεδεμένες με επενδύσεις. Η αναλογία της συνεργασίας με τις τράπεζες (bancassurance) ενισχύθηκε σε σχέση με το 2015. Αντιιστοίχως, στις ομαδικές ασφαλίσεις, ο κύριος όγκος εργασιών προέρχεται από τις άμεσες πωλήσεις. Παρόμοια ήταν η εικόνα και κατά το 2015.
Ομιλία: Kωνσταντίνος Νικολόπουλος, Executive Director, Actuarial Leader, EY Ελλάδας
Τίτλος παρουσίασης: “Τι αλλάζει για τις ασφαλιστικές από το νέο λογιστικό πρότυπο ΔΠΧΑ 17”
The Australian pension system has undergone significant reforms since the early 1980s. Originally, it consisted of a flat universal state pension funded on a pay-as-you-go basis (Pillar 1), defined benefit pensions/lumps sums for some public sector workers (Pillar 2), and voluntary contributions (Pillar 3). It now features a flat state pension and compulsory defined contribution plans requiring 3-12% of earnings (Pillars 1 and 2). Coverage has increased to 92% of the workforce, most defined benefit plans have closed, and oversight focuses on independent trustee governance and diversified, prudent investing in members' best interests.
The document summarizes Sweden's pension system, which has two pillars:
1) The state pension (first pillar) is based on income up to an annual ceiling and includes an income pension, premium pension, and guaranteed minimum pension.
2) Occupational pensions (second pillar) are negotiated collectively and cover about 90% of the workforce, paid by employers as defined contribution plans with individual choice of funds.
The second pillar has four main collective agreements and different contribution rates and replacement rates depending on the agreement and income levels. Swedes can track their pension forecasts online through a joint government and industry website or annual envelopes mailed to citizens. Future reforms may increase retirement ages and introduce tax incentives for third pillar
1) Fernando Jaime presented on securing the future of pensions and the growing importance of supplementary pension funds. Greece's population is aging rapidly and will put pressure on public finances and entitlement programs. This emphasizes the need to shift towards mandatory or voluntary funded pension savings through individual pensions or occupational pensions.
2) Insurance companies can play an important role by providing bundled pension solutions including asset management, life cycle investment strategies, and annuitization during payout to protect against longevity risk. A gradual transition is recommended, starting with voluntary contributions and lower contribution rates to establish supplementary pension funds.
This document discusses the growing importance of supplementary pension funds in Europe. It notes that longer lifespans and falling birth rates are challenges for pension adequacy and sustainability. Multi-pillar pension systems that include mandatory, occupational, and personal pensions can help address these issues by better distributing risks. Supplementary pension schemes play an important role, as shown by the large sums they pay out annually in countries like Germany, UK, and Netherlands. The EU is reviewing regulations around occupational and personal pensions to promote a level playing field and enhanced consumer protection across countries.
The document provides an overview of traded life policies (TLPs) as an asset class. TLPs are US life insurance policies purchased at a discount from their fixed maturity value, generating a guaranteed profit. Important reasons for purchasing TLPs include their fixed returns unaffected by market fluctuations and their natural maturity date eliminating the need to find future buyers. The TLP market has grown significantly in recent decades and is projected to continue growing.
Optimum Global is a UK-registered company formed in 2005 that specializes in international health solutions, focusing on exclusive partnerships with a few select partners in various regions to provide locally suited products and services. They have partnerships with several "AA" and "A+" rated insurance companies and distribute exclusively in North Africa, East Africa, Southern Africa, Latin America, Central America, the Middle East, Central Asia, and Southeast Asia, now seeking to expand into Greece through an exclusive distribution agreement with ISIS and a commitment to the Greek market.
The document presents comparative cost data on medical procedures, physician fees, hospital charges, tests, and drug prices across several countries. It shows that prices for services like CT scans, physician office visits, hospital stays, and hip replacements tend to be higher in the United States than other countries like Canada, France, Germany, and the UK. The data was compiled by the International Federation of Health Plans to inform discussions around differences in total healthcare costs between nations.
The document discusses public-private partnerships (PPPs) in healthcare systems and provides examples from Abu Dhabi and Denia, Spain. It describes DAMAN, Abu Dhabi's compulsory public health insurance program established through a PPP with Munich Re. It outlines DAMAN's structure, products, and growth over time. It also summarizes the Denia project, a 15-year PPP contract in Spain integrating public health services and facilities under private management. The document concludes that strong private partners with expertise are key to PPP success and that gradual introduction of competition improves access, quality and efficiency.
MAPFRE is a large Spanish insurance group with operations in 40 countries. It pioneered direct claims settlement agreements in Spain, where over 90% of car accident claims are now settled directly between insurers. This streamlines the claims process, speeds up settlements, and improves customer satisfaction by avoiding lengthy court battles. MAPFRE has also innovated through "drive-in assessment centers" where customers can get damage assessments and replacement vehicles quickly. It now exports this direct claims settlement model and complementary services to insurance clients in other countries.
The document discusses cost containment strategies in health systems in Europe, the United States, and the United Kingdom. In Europe, health spending and performance varies widely by country. While total spending correlates somewhat with life expectancy, the public-private split does not seem to directly impact performance. In the US, consistent performers at containing costs emphasize quality care, financial incentives, health improvement, and data-driven decision making. Many successful companies have adopted consumer-driven health plans. In the UK, insurers focus on remaining competitive while employers prioritize other benefits; the NHS is exploring more public-private partnerships and giving patients more choice and control.
The document discusses direct settlement agreements in the French insurance market. It provides three examples: (1) Motor material damages agreement (IRSA) which settles over 1.7 million claims per year through fixed compensation amounts; (2) Home insurance water damages agreement (CIDRE and CIDECOP) which has more limited benefits; and (3) Motor insurance bodily damages agreement (IRCA) which settles over 200,000 claims per year, mainly through direct compensation. The document also notes that direct settlement can reduce costs when most insurers directly manage claims themselves and the market is shared among medium-sized insurers.
The document discusses Italy's transition from its previous direct indemnity agreement (C.I.D.) system to the new direct compensation (CARD) system following the 2005 Insurance Code. It covers the history and procedures of both systems, how the CARD system addresses weaknesses of C.I.D., and data on the effects of CARD on the motor third-party liability insurance market in Italy.
The document discusses Romanian law regarding compensation for victims in traffic accidents. It outlines the roles of the Street Victims Protection Fund and insurance laws and policies. It then addresses several scenarios and questions about determining liability and compensation for injuries, lost income, burial costs, and other damages according to this legal framework.