Areas discussed are manufacturing taxes, trade policy, energy policies, Regulatory policies, Science, Technology, infrastructure investment. Also going hand in hand, skilled employee shortage and U.S. Education in Science and Technology.
India ranks 134th out of 182 countries on the Human Development Index, with over 170 million rural and 49.6 million urban people living in severe poverty. The Ashraya program was introduced in 2003 in Kerala to help destitute families access basic necessities and opportunities to become self-reliant. A study of 70 Ashraya beneficiary families in Ernakulam District found that 75% lived in rural areas, with 48% classified as Below Poverty Line and only 30% self-employed. The program aims to provide awareness, ensure participation in local governance, and conduct regular evaluations.
Олександр Жебряков «Аджайл у костюмі: погляд зі сторони бізнесу»Lviv Startup Club
Олександр Жебряков «Аджайл у костюмі: погляд зі сторони бізнесу»
Сайт конференції: http://pmday.com.ua
Youtube: http://bit.ly/PMDayVid
Linkedin: http://bit.ly/PMDayLin
Este documento presenta el primer informe de evaluación de un curso escolar. Se enfatiza la importancia de aprovechar bien las oportunidades, cumplir con las obligaciones, esforzarse constantemente y no rendirse. Se anima a los estudiantes a establecer metas, compararse consigo mismos en lugar de con los demás, y valorarse a sí mismos para mejorar.
Areas discussed are manufacturing taxes, trade policy, energy policies, Regulatory policies, Science, Technology, infrastructure investment. Also going hand in hand, skilled employee shortage and U.S. Education in Science and Technology.
India ranks 134th out of 182 countries on the Human Development Index, with over 170 million rural and 49.6 million urban people living in severe poverty. The Ashraya program was introduced in 2003 in Kerala to help destitute families access basic necessities and opportunities to become self-reliant. A study of 70 Ashraya beneficiary families in Ernakulam District found that 75% lived in rural areas, with 48% classified as Below Poverty Line and only 30% self-employed. The program aims to provide awareness, ensure participation in local governance, and conduct regular evaluations.
Олександр Жебряков «Аджайл у костюмі: погляд зі сторони бізнесу»Lviv Startup Club
Олександр Жебряков «Аджайл у костюмі: погляд зі сторони бізнесу»
Сайт конференції: http://pmday.com.ua
Youtube: http://bit.ly/PMDayVid
Linkedin: http://bit.ly/PMDayLin
Este documento presenta el primer informe de evaluación de un curso escolar. Se enfatiza la importancia de aprovechar bien las oportunidades, cumplir con las obligaciones, esforzarse constantemente y no rendirse. Se anima a los estudiantes a establecer metas, compararse consigo mismos en lugar de con los demás, y valorarse a sí mismos para mejorar.
This document summarizes the process for motor accident claims in Italy. It discusses 1) determining liability, 2) types of loss and indemnity claims including vehicle damage, bodily injury, and death, 3) subrogation rights of health and social insurers, 4) dealing with multiple claimants and limited insurance coverage, 5) secondary expenses in out-of-court settlements, 6) legal time limits, and 7) court proceeding fees. The presentation provides an overview of the Italian motor claims process and compensation system.
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.
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
Василь Поп-Стасів “Why freelance will prosper in ukraine despite crisis, war ...Lviv Startup Club
Ukraine will continue to prosper for freelancing despite its current crises and challenges for three main reasons:
1. Ukraine produces over 20,000 technical specialists each year and has over 500 outsourcing companies, providing a large, high-quality talent pool for freelancing.
2. Ukraine offers competitive rates and tax structures for freelancers, as well as regulations that make it easy to do business such as no visa requirements and unified intellectual property protection standards with the EU.
3. Ukraine has cultural and time zone advantages for serving European and North American markets, as well as a large potential local tech market, and remains an attractive lower-cost alternative to other offshore locations like India and China.
Сергій Ковальов «Agile metrics – як оцінювати команду не порушуючи приципів і...Lviv Startup Club
Сергій Ковальов «Agile metrics – як оцінювати команду не порушуючи приципів і духу Аджайл»
Сайт конференції: http://pmday.com.ua
Youtube: http://bit.ly/PMDayVid
Linkedin: http://bit.ly/PMDayLin
This document discusses Suresmile dental examination macros and CBCT scans. It mentions Orametrix CBCT scans, self-ligating brackets, and PDF therapeutic models. Details are provided on round and rectangular wire sizes for C.Niti, Beta-Ti, and Elgiloy wires. Partial scans from CBCT and notes on using Orametrix software are also included.
This document discusses various pricing strategies and considerations. It explains that pricing is an important part of marketing strategy and should be related to objectives, market positioning, competitors, and customer price sensitivity. Cost-plus pricing does not work because it does not consider these important factors. The document also covers understanding the product lifecycle and supply and demand curves, as well as more advanced pricing techniques like price skimming, premium pricing, volume pricing, and various other strategies.
Este documento presenta una serie de videos titulados "El viaje de la vida" que parecen tratar sobre la sexualidad y las relaciones. El documento invita al lector a ver los videos y reflexionar sobre lo que han aprendido al final.
This document summarizes the process for motor accident claims in Italy. It discusses 1) determining liability, 2) types of loss and indemnity claims including vehicle damage, bodily injury, and death, 3) subrogation rights of health and social insurers, 4) dealing with multiple claimants and limited insurance coverage, 5) secondary expenses in out-of-court settlements, 6) legal time limits, and 7) court proceeding fees. The presentation provides an overview of the Italian motor claims process and compensation system.
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.
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
Василь Поп-Стасів “Why freelance will prosper in ukraine despite crisis, war ...Lviv Startup Club
Ukraine will continue to prosper for freelancing despite its current crises and challenges for three main reasons:
1. Ukraine produces over 20,000 technical specialists each year and has over 500 outsourcing companies, providing a large, high-quality talent pool for freelancing.
2. Ukraine offers competitive rates and tax structures for freelancers, as well as regulations that make it easy to do business such as no visa requirements and unified intellectual property protection standards with the EU.
3. Ukraine has cultural and time zone advantages for serving European and North American markets, as well as a large potential local tech market, and remains an attractive lower-cost alternative to other offshore locations like India and China.
Сергій Ковальов «Agile metrics – як оцінювати команду не порушуючи приципів і...Lviv Startup Club
Сергій Ковальов «Agile metrics – як оцінювати команду не порушуючи приципів і духу Аджайл»
Сайт конференції: http://pmday.com.ua
Youtube: http://bit.ly/PMDayVid
Linkedin: http://bit.ly/PMDayLin
This document discusses Suresmile dental examination macros and CBCT scans. It mentions Orametrix CBCT scans, self-ligating brackets, and PDF therapeutic models. Details are provided on round and rectangular wire sizes for C.Niti, Beta-Ti, and Elgiloy wires. Partial scans from CBCT and notes on using Orametrix software are also included.
This document discusses various pricing strategies and considerations. It explains that pricing is an important part of marketing strategy and should be related to objectives, market positioning, competitors, and customer price sensitivity. Cost-plus pricing does not work because it does not consider these important factors. The document also covers understanding the product lifecycle and supply and demand curves, as well as more advanced pricing techniques like price skimming, premium pricing, volume pricing, and various other strategies.
Este documento presenta una serie de videos titulados "El viaje de la vida" que parecen tratar sobre la sexualidad y las relaciones. El documento invita al lector a ver los videos y reflexionar sobre lo que han aprendido al final.
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.
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.