The document provides a framework for companies to identify opportunities to cut costs quickly in areas like compensation, benefits, and HR functions. It outlines Towers Perrin's process for working with clients to prepare context, identify over 100 potential cost-saving interventions, validate the best options, and realize savings. The goal is to prioritize actions that deliver immediate cash savings or reduce future costs in a way that balances cost cuts with maintaining employee value.
The document provides a framework for companies to identify opportunities to cut costs quickly in areas like compensation, benefits, and HR functions. It outlines Towers Perrin's process for working with clients to prepare context, identify over 100 potential cost-saving interventions, validate the best options, and realize savings. The goal is to prioritize actions that deliver immediate cash savings or reduce future costs in a way that balances cost cuts with maintaining employee value.
The Future of U.S. Pension Financing — Lessons From Europe welshms
This Towers Perrin presentation examines alternative risk financing techniques being implemented by companies in Europe with defined benefit (DB) pension plans. These techniques offer insights into the future of financing global pensions, both in the U.S. and elsewhere.
The survey found that while insurers have made progress in implementing enterprise risk management (ERM), fully embedding ERM into decision making remains a challenge. Larger insurers have more advanced ERM programs and are better able to use economic capital (EC) in decisions. European insurers have stronger ERM capabilities than North American insurers. ERM is influencing business decisions like risk strategies, but operational risk management still lags other risk areas. Common EC approaches are moving toward a one-year timeframe and market-consistent standards.
Defined Benefit Plans Amid Market Volatilitywelshms
For a finance executive confronting volatile market conditions, what's the right balance of risk and return in a defined benefit (DB) pension plan? If you're committed to a DB plan, what strategies can remove excessive risk? Or is it time to refresh your exit strategy?
Towers Perrin and CFO Research Services have completed a study that examines the risk management approaches that finance executives have already taken for their defined benefit pension programs in the United States and Canada. Risk management is clearly "top of mind" for corporate finance executives throughout North America, though risk management solutions may vary widely.
Learn more about the findings and implications of this survey and its relevance to your pension plan as Sylvia Pozezanac, practice leader for Towers Perrin Retirement Risk Solutions, Monica McIntosh, business leader for Towers Perrin Asset Consulting in Canada, and Sam Knox, VP of CFO Research, discuss the findings with a panel.
The document provides an overview and agenda for a presentation on the IOvents platform. The agenda includes discussing why IOvents, the IoT market opportunity, business models, and IOvents.com. It then covers sections on each of these topics, describing IOvents as a cloud-based platform for developing and running intelligent distributed IoT applications using an IoT operating system kernel.
This document discusses approaches for DevOps teams to contain complexity and enable continuous deployment. It begins with introductions from the author and a poll about development teams. It then discusses the overall business goal of minimizing lead time by focusing on flow throughout the process. The document covers sources of complexity and risk in software development. It proposes focusing on necessary elements and better practices for areas like source control, testing, automation, and architectures. The document also discusses concepts from frameworks like Scaled Agile Framework, Disciplined Agile Delivery, and The Phoenix Project. It proposes initial approaches for medium and small organizations and challenges of implementing continuous deployment.
Dokumen berisi daftar kata dan gambar yang terkait dengan kata tersebut. Terdapat juga rangkaian kata dan cerita pendek yang melibatkan kata-kata tersebut.
Dokumen tersebut berisi serangkaian arahannya untuk melengkapi, menulis, dan mengaitkan kata-kata dengan gambar sebagai latihan membaca dan menulis. Dokumen tersebut ditandatangani oleh Zainol Abidin b. Basri dari SK Teluk Medan.
The Future of U.S. Pension Financing — Lessons From Europe welshms
This Towers Perrin presentation examines alternative risk financing techniques being implemented by companies in Europe with defined benefit (DB) pension plans. These techniques offer insights into the future of financing global pensions, both in the U.S. and elsewhere.
The survey found that while insurers have made progress in implementing enterprise risk management (ERM), fully embedding ERM into decision making remains a challenge. Larger insurers have more advanced ERM programs and are better able to use economic capital (EC) in decisions. European insurers have stronger ERM capabilities than North American insurers. ERM is influencing business decisions like risk strategies, but operational risk management still lags other risk areas. Common EC approaches are moving toward a one-year timeframe and market-consistent standards.
Defined Benefit Plans Amid Market Volatilitywelshms
For a finance executive confronting volatile market conditions, what's the right balance of risk and return in a defined benefit (DB) pension plan? If you're committed to a DB plan, what strategies can remove excessive risk? Or is it time to refresh your exit strategy?
Towers Perrin and CFO Research Services have completed a study that examines the risk management approaches that finance executives have already taken for their defined benefit pension programs in the United States and Canada. Risk management is clearly "top of mind" for corporate finance executives throughout North America, though risk management solutions may vary widely.
Learn more about the findings and implications of this survey and its relevance to your pension plan as Sylvia Pozezanac, practice leader for Towers Perrin Retirement Risk Solutions, Monica McIntosh, business leader for Towers Perrin Asset Consulting in Canada, and Sam Knox, VP of CFO Research, discuss the findings with a panel.
The document provides an overview and agenda for a presentation on the IOvents platform. The agenda includes discussing why IOvents, the IoT market opportunity, business models, and IOvents.com. It then covers sections on each of these topics, describing IOvents as a cloud-based platform for developing and running intelligent distributed IoT applications using an IoT operating system kernel.
This document discusses approaches for DevOps teams to contain complexity and enable continuous deployment. It begins with introductions from the author and a poll about development teams. It then discusses the overall business goal of minimizing lead time by focusing on flow throughout the process. The document covers sources of complexity and risk in software development. It proposes focusing on necessary elements and better practices for areas like source control, testing, automation, and architectures. The document also discusses concepts from frameworks like Scaled Agile Framework, Disciplined Agile Delivery, and The Phoenix Project. It proposes initial approaches for medium and small organizations and challenges of implementing continuous deployment.
Dokumen berisi daftar kata dan gambar yang terkait dengan kata tersebut. Terdapat juga rangkaian kata dan cerita pendek yang melibatkan kata-kata tersebut.
Dokumen tersebut berisi serangkaian arahannya untuk melengkapi, menulis, dan mengaitkan kata-kata dengan gambar sebagai latihan membaca dan menulis. Dokumen tersebut ditandatangani oleh Zainol Abidin b. Basri dari SK Teluk Medan.
2. Jean Jacques Rousseau
(1712-1778)
Pertsona bakoitzaren banakako garapena
errespetatu.
Pertsona estimulatu, bizitzako esperientziaren
bidez gidatzailea ez den teknikaz.
Esperimentazioaz erantzunak topatzen.
2
3. Heinrich W. Pestalozzi
(1746-1827)
Eskolak beharrezkoa hezkuntzarako.
Natur fenomenoak ikasleek beren kabuz topatzea.
Ikaskuntzan praktika eta esperimentazioa beharrezkoak.
Irakasleak ikaslearengan zuen agintea aldatu behar.
Eskola sistema eta adin txikietatiko ikaskuntza.
3
4. Friedrich Fröbel (1782-1852)
Bizitzako lehenengo urteetan hezkuntza garrantzia du.
Hezkuntza ikaslea aske mintzatzea, ikaslearen sormena piztea, gizartean parte-hartzea
sustatzea eta motrizitatea bultzatu.
Kindergarden sortzaile edo asmatzailea. Haur eskola “hazteko lilitegi”:
PUEROZENTRISMOA.
Garrantzia irakaslearen perfilean, transmititzeko gaitasuna.
Haurren izaera banakoa kontutan hartu behar dugu. Hezkuntza prozesu mailakatua eman
behar: gauza errazenetatik-zailenetara.
Pilota, zilindro, esfera eta kuboekin (objektu egiturarekin) ikaskuntza metodoa erabili
zuen.
Jolasa haurtzaroan gizakiak garatzeko duen erarik onena. (Adierazpen askeena da
haurraren ariman).
Haurra pentsamendua egituratzea.
4
5. Rosa eta Carolina Agazzi
(1866-1951;1870-1945)
Italiako haur hezkuntzaren aitzindariak.
Metodoa: (berezkotasuna, esperientzia pertsonalean eta elkartean
bizitzea) familiaren etxean oinarritutako eskolaurrea eredu berria.
Haurrentzako giro naturala. Etxeko tresnak erabiliz hizkuntza,
motrizitatea eta elkarlana lantzen zuten.
Hezitzailea: arreta sistematikoa(banan-banakoa); ariketen bitartez
haurraren ikaskuntza sendotzeko.
Plastika eta musika landuz zuten batez ere, esperientzia eta ikerketa
sustatuz.
5
6. Maria Montessori
(1870-1952)
Ikerketa behaketa ondorioan: haurrek ikaskuntza ingurunea osatzen
duten gauzen arabera eraikitzen du.
MONTESSORI METODOA. Haurrek, berez, (laguntzarik gabe)
ikasten dute irakurtzen, idazten, kontatzen eta batuketak egiten.
Puerozentrismoa printzipioa: banakotasuna eta norbere hezkuntza.
Zentzumenen hezkuntza eta adimen-prozesuen hezkuntza.
Hezitzailearen perfila: behatzailea eta haurrak laguntza eskatzean,
bitartekaria.
6
7. Ovidio Decroly (1871-1932)
L´Hermitage eskolaren fundazioa. Autonomia pedagogiko handikoa.
Helburua: hiritarrak demokraziarako prestatzea. Antolaketa
askatasunean eta erantzukizunean oinarrituz. Taldeko (elkarteko) kide
kontziente izatera bultzatzen zituen ikasleak.
Banakako ikaskuntza, globalizazioa (integrala) eta motibazioa.
Metodologia: interesgunea hezkuntza jarduera.
7
8. Celestin Freinet
(1896-1966)
Hezkuntza gizarteratzeko tresna da.
Taldeko lana egiteko giro naturala sortu. Ikasleen elkarganako
koordinazioa, elkarlana eta laguntza proiektuak lantzeko
Metodoa funtsa haurraren jardueran oinarritu. Esperimentuaren
lehentasunean. Saiakuntza – errorean. Ikaskuntza metodoa
naturala. Ikasketan bizitzan ikasten duen bezala ikastea.
Materialak: egunkaria, elkarri eskutitzak bidaltzea eta gauzen elkartrukea.
Proiektuak.
Hezitzailea bitartekaria.
8
9. Eskola berria
XX. Mendeko bigarren zatia. Europa eta Amerikan.
Haurra eskola jardueren protagonista. Haurren interesen eta
premiak kontutan hartzeaz gain, bakoitzaren banakotasuna
errespetatu. Gaitasun fisikoak, intelektualak eta sortzaileak
bultzatu.
Maisu-maistrak. Laguntzaileak dira. Haurraren nahiak “piztu”
Autonomia eta autodiziplinako jokaerak bilatuz.
Eskola. Pertsona gizarteratzeko ataria.
9
10. Eskola berria
XX. Mendeko bigarren zatia. Europa eta Amerikan.
Haurra eskola jardueren protagonista. Haurren interesen eta
premiak kontutan hartzeaz gain, bakoitzaren banakotasuna
errespetatu. Gaitasun fisikoak, intelektualak eta sortzaileak
bultzatu.
Maisu-maistrak. Laguntzaileak dira. Haurraren nahiak “piztu”
Autonomia eta autodiziplinako jokaerak bilatuz.
Eskola. Pertsona gizarteratzeko ataria.
9