WorldWideScience

Sample records for core ja premium

  1. Premium Motorsi priimad päevad / Raigo Neudorf

    Index Scriptorium Estoniae

    Neudorf, Raigo

    2007-01-01

    Automüüja Premium Motors on edu saavutanud luksusmaasturi Hummer ning teiste USA eksklusiivsete automarkide müügiõigusega. Tabel: Rentaabel äri. Vt. samas: Palun kaks roosat Hummerit; Premium Motors hakkab sügisel Hiina maastureid müüma.

  2. 14 CFR 198.13 - Premium insurance-payment of premiums.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Premium insurance-payment of premiums. 198... (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.13 Premium insurance—payment of premiums. The insured must pay the premium for insurance issued under this part within the stated period after receipt of...

  3. Can the consumption-free nonexpected utility model solve the risk premium puzzle? An empirical study of the Japanese stock market

    OpenAIRE

    Kang, Myong-Il

    2010-01-01

    This paper investigates whether the consumption-free two-beta intertemporal capital asset-pricing model developed by Campbell and Vuolteenaho (2004) is able to solve the risk premium puzzle in the Japanese stock market over the period 1984-2002. Using the cash flow and discount rate betas as risk factors, the model is able to explain about half of the market returns by selection of suitable vector autoregression variables. On this basis, the model proposed solves the risk premium puzzle in Ja...

  4. Decreasing Relative Risk Premium

    DEFF Research Database (Denmark)

    Hansen, Frank

    relative risk premium in the small implies decreasing relative risk premium in the large, and decreasing relative risk premium everywhere implies risk aversion. We finally show that preferences with decreasing relative risk premium may be equivalently expressed in terms of certain preferences on risky......We consider the risk premium demanded by a decision maker with wealth x in order to be indifferent between obtaining a new level of wealth y1 with certainty, or to participate in a lottery which either results in unchanged present wealth or a level of wealth y2 > y1. We define the relative risk...... premium as the quotient between the risk premium and the increase in wealth y1–x which the decision maker puts on the line by choosing the lottery in place of receiving y1 with certainty. We study preferences such that the relative risk premium is a decreasing function of present wealth, and we determine...

  5. Downside Variance Risk Premium

    OpenAIRE

    Feunou, Bruno; Jahan-Parvar, Mohammad; Okou, Cedric

    2015-01-01

    We propose a new decomposition of the variance risk premium in terms of upside and downside variance risk premia. The difference between upside and downside variance risk premia is a measure of skewness risk premium. We establish that the downside variance risk premium is the main component of the variance risk premium, and that the skewness risk premium is a priced factor with significant prediction power for aggregate excess returns. Our empirical investigation highlights the positive and s...

  6. 24 CFR 232.805 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 232.805 Section... FACILITIES Contract Rights and Obligations Premiums § 232.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The...

  7. 24 CFR 241.805 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 241.805 Section... Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The...

  8. Premium Auctions and Risk Preferences

    NARCIS (Netherlands)

    Hu, A.; Offerman, T.J.S.; Zou, L.

    2010-01-01

    In a premium auction, the seller offers some "pay back", called premium, to the highest bidders. This paper investigates how the performance of such premium tactic is related to the participant's risk preferences. By developing an English premium auction model with symmetric interdependent values,

  9. Variable-Rate Premiums

    Data.gov (United States)

    Pension Benefit Guaranty Corporation — These interest rates are used to value vested benefits for variable rate premium purposes as described in PBGC's regulation on Premium Rates (29 CFR Part 4006) and...

  10. 42 CFR 403.254 - Calculation of premiums.

    Science.gov (United States)

    2010-10-01

    ... rate credits. (4) Unearned premium reserve means the portion of gross premiums due that provide for...) Written premiums for the period; plus— (ii) The total premium reserve at the beginning of the period; less— (iii) The total premium reserve at the end of the period. (2) Written premiums in a period means— (i...

  11. 28 CFR 345.52 - Premium pay.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Premium pay. 345.52 Section 345.52... (FPI) INMATE WORK PROGRAMS Inmate Pay and Benefits § 345.52 Premium pay. Payment of premium pay to... inmates at a location. (a) Eligibility. Inmates in first grade pay status may be considered for premium...

  12. 34 CFR 682.505 - Insurance premium.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Insurance premium. 682.505 Section 682.505 Education... § 682.505 Insurance premium. (a) General. The Secretary charges the lender an insurance premium for each Federal GSL Program loan that is guaranteed, except that no insurance premium is charged on a Federal...

  13. RISK PREMIUM IN MOTOR VEHICLE INSURANCE

    Directory of Open Access Journals (Sweden)

    BANU ÖZGÜREL

    2013-06-01

    Full Text Available The pure premium or risk premium is the premium that would exactly meet the expected cost of the risk covered ignoring management expenses, commissions, contingency loading, etc. Claim frequency rate and mean claim size are required for estimation in calculating risk premiums. In this study, we discussed to estimate claim frequency rate and mean claim size with several methods and calculated risk premiums. Data, which supported our study, is provided by insurance company involving with motor vehicle insurance.

  14. 5 CFR 890.1208 - Premiums.

    Science.gov (United States)

    2010-01-01

    ... 599C(e) of Public Law 101-513. (b) If the individual is not covered under this subpart for the full pay period, premiums are paid only for the days he or she is actually covered. The daily premium rate is an amount equal to the monthly premium rate multiplied by 12 and divided by 365. (c) The payments required...

  15. Premium indexing in lifelong health insurance

    NARCIS (Netherlands)

    Vercruysse, W.; Dhaene, J.; Denuit, M.; Pitacco, E.; Antonio, K.

    2013-01-01

    For lifelong health insurance covers, medical inflation not incorporated in the level premiums determined at policy issue requires an appropriate increase of these premiums and/or the corresponding reserves during the term of the contract. In this paper, we investigate appropriate premium indexing

  16. Premiums And Reserves, Adjusted By Distortions

    OpenAIRE

    Pichler, Alois

    2013-01-01

    The net-premium principle is considered to be the most genuine and fair premium principle in actuarial applications. However, an insurance company, applying the net-premium principle, goes bankrupt with probability one in the long run, even if the company covers its entire costs by collecting the respective fees from its customers. It is therefore an intrinsic necessity for the insurance industry to apply premium principles, which guarantee at least further existence of the company itself; ot...

  17. Tort law and medical malpractice insurance premiums.

    Science.gov (United States)

    Kilgore, Meredith L; Morrisey, Michael A; Nelson, Leonard J

    2006-01-01

    This paper estimated the effects of tort law and insurer investment returns on physician malpractice insurance premiums. Data were collected on tort law from 1991 through 2004, and multivariate regression models, including fixed effects for state and year, were used to estimate the effect of changes in tort law on medical malpractice premiums. The premium consequences of national policy changes were simulated. The analysis found that the introduction of a new damage cap lowered malpractice premiums for internal medicine, general surgery, and obstetrics/gynecology by 17.3%, 20.7%, and 25.5%, respectively. Lowering damage caps by dollar 100,000 reduced premiums by 4%. Statutes of repose also resulted in lower premiums. No other tort law changes had the effect of lowering premiums. Simulation results indicate that a national cap of dollar 250,000 on awards for noneconomic damages in all states would imply premium savings of dollar 16.9 billion. Extending a dollar 250,000 cap to all states that do not currently have them would save dollar 1.4 billion annually, or about 8% of the total. A negative effect on malpractice premiums was found for the Dow Jones industrial average, but not for bond prices; effects of the Nasdaq index were not significant for internal medicine, but were marginally significant for surgery and obstetrics premiums.

  18. 5 CFR 892.303 - Can I pay my premiums directly by check under the premium conversion plan?

    Science.gov (United States)

    2010-01-01

    ... under the premium conversion plan? 892.303 Section 892.303 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Contributions and Withholdings § 892.303 Can I pay my premiums directly...

  19. 24 CFR 220.804 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 220.804 Section... and Obligations-Projects Insured Project Improvement Loans § 220.804 Insurance premiums. (a) First premium. The lender, upon the initial endorsement of the loan for insurance, shall pay to the Commissioner...

  20. 42 CFR 60.14 - The insurance premium.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false The insurance premium. 60.14 Section 60.14 Public... LOAN PROGRAM The Loan § 60.14 The insurance premium. (a) General. (1) The Secretary insures each lender... lender an insurance premium. The insurance premium is due to the Secretary on the date of disbursement of...

  1. 42 CFR 423.780 - Premium subsidy.

    Science.gov (United States)

    2010-10-01

    ...) MEDICARE PROGRAM VOLUNTARY MEDICARE PRESCRIPTION DRUG BENEFIT Premiums and Cost-Sharing Subsidies for Low... 42 Public Health 3 2010-10-01 2010-10-01 false Premium subsidy. 423.780 Section 423.780 Public...-service plans or 1876 cost plans) in a PDP region in the reference month. (ii) Premium amounts. The...

  2. 24 CFR 203.443 - Insurance premium.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premium. 203.443 Section... premium. All of the provisions of §§ 203.260 through 203.269 1 concerning mortgage insurance premiums... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE...

  3. PREMIUMS CALCULATION FOR LIFE INSURANCE

    Directory of Open Access Journals (Sweden)

    ANA PREDA

    2012-10-01

    Full Text Available The paper presents the techniques and the formulas used on international practice for establishing the premiums for a life policy. The formulas are generally based on a series of indicators named mortality indicators which mainly point out the insured survival probability, the death probability and life expectancy at certain age. I determined, using a case study, the unique net premium, the annual net premium for a survival insurance, whole life insurance and mixed life insurance.

  4. The Dutch premium principle

    NARCIS (Netherlands)

    van Heerwaarden, A.E.; Kaas, R.

    1992-01-01

    A premium principle is derived, in which the loading for a risk is the reinsurance loading for an excess-of-loss cover. It is shown that the principle is well-behaved in the sense that it results in larger premiums for risks that are larger in stop-loss order or in stochastic dominance.

  5. Employer contribution and premium growth in health insurance.

    Science.gov (United States)

    Liu, Yiyan; Jin, Ginger Zhe

    2015-01-01

    We study whether employer premium contribution schemes could impact the pricing behavior of health plans and contribute to rising premiums. Using 1991-2011 data before and after a 1999 premium subsidy policy change in the Federal Employees Health Benefits Program (FEHBP), we find that the employer premium contribution scheme has a differential impact on health plan pricing based on two market incentives: 1) consumers are less price sensitive when they only need to pay part of the premium increase, and 2) each health plan has an incentive to increase the employer's premium contribution to that plan. Both incentives are found to contribute to premium growth. Counterfactual simulation shows that average premium would have been 10% less than observed and the federal government would have saved 15% per year on its premium contribution had the subsidy policy change not occurred in the FEHBP. We discuss the potential of similar incentives in other government-subsidized insurance systems such as the Medicare Part D and the Health Insurance Marketplace under the Affordable Care Act. Copyright © 2014 Elsevier B.V. All rights reserved.

  6. 78 FR 666 - Treasury Inflation-Protected Securities Issued at a Premium; Bond Premium Carryforward

    Science.gov (United States)

    2013-01-04

    ...-BL29 Treasury Inflation-Protected Securities Issued at a Premium; Bond Premium Carryforward AGENCY... contains final regulations that provide guidance on the tax treatment of Treasury Inflation-Protected... regulations in this document provide guidance to holders of Treasury Inflation-Protected Securities and other...

  7. Signaling and the Education Premium

    OpenAIRE

    Gregory Kurtzon

    2004-01-01

    A large portion of the rise in the education premium can be explained by a signaling theory of education which predicts that in the future, increases in the education level of the workforce will actually cause the education premium to rise, simply because different workers are being labeled as “highly educated†. This prediction is supported by past behavior of the high school education premium. It runs counter to the view that increases in the relative supply of high education workers wil...

  8. Comparison of Seafood and Agricultural Ecological Premiums1

    OpenAIRE

    Ankamah-Yeboah, Isaac; Nielsen, Max; Nielsen, Rasmus

    2017-01-01

    The report compares ecolabeled seafood premiums observed in the market with consumers’ stated willingness to pay premiums. Also ecolabeled premiums in the agricultural sector were examined. The next issue addressed was the sensitivity of changes in the price and premiums of ecolabeled seafood. Empirical findings showed that all things being equal, consumers stated willingness to pay reflects in their actual market behavior though they may pay less than stated. Premiums observed in the aquacul...

  9. Properties of Foreign Exchange Risk Premiums

    DEFF Research Database (Denmark)

    Sarno, Lucio; Schneider, Paul; Wagner, Christian

    2012-01-01

    We study the properties of foreign exchange risk premiums that can explain the forward bias puzzle, defined as the tendency of high-interest rate currencies to appreciate rather than depreciate. These risk premiums arise endogenously from the no-arbitrage condition relating the term structure of ...... and are closely related to global risk aversion, the business cycle, and traditional exchange rate fundamentals.......We study the properties of foreign exchange risk premiums that can explain the forward bias puzzle, defined as the tendency of high-interest rate currencies to appreciate rather than depreciate. These risk premiums arise endogenously from the no-arbitrage condition relating the term structure...... of interest rates and exchange rates. Estimating affine (multi-currency) term structure models reveals a noticeable tradeoff between matching depreciation rates and accuracy in pricing bonds. Risk premiums implied by our global affine model generate unbiased predictions for currency excess returns...

  10. Employer Contribution and Premium Growth in Health Insurance

    OpenAIRE

    Yiyan Liu; Ginger Zhe Jin

    2013-01-01

    We study whether employer premium contribution schemes could impact the pricing behavior of health plans and contribute to rising premiums. Using 1991-2011 data before and after a 1999 premium subsidy policy change in the Federal Employees Health Benefits Program (FEHBP), we find that the employer premium contribution scheme has a differential impact on health plan pricing based on two market incentives: 1) consumers are less price sensitive when they only need to pay part of the premium incr...

  11. Quantitative concept tests of organic premium meat products

    OpenAIRE

    Chrysochou , Polymeros; Krystallis Krontalis, Athanasios

    2015-01-01

    This report is part of WP6 of the SUMMER project. The aim is to investigate how consumers perceive organic premium products and if they are willing to pay a price premium for these products. We conducted an experiment with 426 Danish consumers, in which we manipulate production method (organic vs. conventional), premium production (premium vs. non-premium) and extrinsic quality (high vs. low) across three meat products (pork, beef and chicken). Our findings show that consumers perceive organi...

  12. The urban density premium across establishments

    OpenAIRE

    R. Jason Faberman; Matthew Freedman

    2013-01-01

    We use longitudinal microdata to estimate the urban density premium for U.S. establishments, controlling for observed establishment characteristics and dynamic establishment behavior. Consistent with previous studies, we estimate a density premium between 6 and 10 percent, even after controlling for establishment composition, local skill mix, and the endogeneity of location choice. More importantly, we find that the estimated density premium is realized almost entirely at birth and is constan...

  13. Curb Your Premium

    DEFF Research Database (Denmark)

    Amaral-Garcia, Sofia; Grembi, Veronica

    2014-01-01

    institutional setting. In particular, we implement a difference-in-differences strategy using Italian data at the provider level from 2001 to 2008 to evaluate the impact of monitoring claims on medical liability expenditures, measured as insurance premiums and legal expenditures, which was adopted by only some...... Regions. Our results show that this information-enhancing policy reduces paid premiums by around 15%. This reduced-form effect might arise by higher bargaining power on the demand side or increased competition on the supply side of the insurance market. Validity tests show that our findings are not driven...

  14. 24 CFR 241.1030 - Mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premiums. 241... Loans-Eligibility Requirements § 241.1030 Mortgage insurance premiums. The lender, upon endorsement of the note, shall pay the Commissioner a first mortgage insurance premium equal to 0.5 percent of the...

  15. 49 CFR 260.15 - Credit risk premium.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium. 260.15 Section 260.15... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.15 Credit risk premium. (a) Where available... pay to the Administrator a Credit Risk Premium adequate to cover that portion of the subsidy cost not...

  16. 24 CFR 221.254 - Mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premiums. 221... Cost Homes § 221.254 Mortgage insurance premiums. (a) All of the provisions of §§ 203.260 through 203.295 of this chapter relating to mortgage insurance premiums shall apply to mortgages insured under...

  17. Premium Forecasting of AN Insurance Company:

    Science.gov (United States)

    Fouladvand, M. Ebrahim; Darooneh, Amir H.

    We present an analytical study of an insurance company. We model the company's performance on a statistical basis and evaluate the predicted annual income of the company in terms of insurance parameters namely the premium, the total number of insured, average loss claims etc. We restrict ourselves to a single insurance class the so-called automobile insurance. We show the existence of a crossover premium pc below which the company is operating at a loss. Above pc, we also give a detailed statistical analysis of the company's financial status and obtain the predicted profit along with the corresponding risk as well as ruin probability in terms of premium. Furthermore we obtain the optimal premium popt which maximizes the company's profit.

  18. Advertising non-premium products as if they were premium: The impact of advertising up on advertising elasticity and brand equity

    NARCIS (Netherlands)

    Guitart, I.A. (Ivan A.); Gonzalez, J. (Jorge); S. Stremersch (Stefan)

    2018-01-01

    textabstractNon-premium brands occasionally emulate their premium counterparts by using ads that emphasize premium characteristics such as superior performance and exclusivity. We define this practice as “advertising up” and develop hypotheses about its short- and long-term impact on advertising

  19. Employee responses to health insurance premium increases.

    Science.gov (United States)

    Goldman, Dana P; Leibowitz, Arleen A; Robalino, David A

    2004-01-01

    To determine the sensitivity of employees' health insurance decisions--including the decision to not choose health maintenance organization or fee-for-service coverage--during periods of rapidly escalating healthcare costs. A retrospective cohort study of employee plan choices at a single large firm with a "cafeteria-style" benefits plan wherein employees paid all the additional cost of purchasing more generous insurance. We modeled the probability that an employee would drop coverage or switch plans in response to employee premium increases using data from a single large US company with employees across 47 states during the 3-year period of 1989 through 1991, a time of large premium increases within and across plans. Premium increases induced substantial plan switching. Single employees were more likely to respond to premium increases by dropping coverage, whereas families tended to switch to another plan. Premium increases of 10% induced 7% of single employees to drop or severely cut back on coverage; 13% to switch to another plan; and 80% to remain in their existing plan. Similar figures for those with family coverage were 11%, 12%, and 77%, respectively. Simulation results that control for known covariates show similar increases. When faced with a dramatic increase in premiums--on the order of 20%--nearly one fifth of the single employees dropped coverage compared with 10% of those with family coverage. Employee coverage decisions are sensitive to rapidly increasing premiums, and single employees may be likely to drop coverage. This finding suggests that sustained premium increases could induce substantial increases in the number of uninsured individuals.

  20. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...

  1. Health Insurance Marketplaces: Premium Trends in Rural Areas.

    Science.gov (United States)

    Barker, Abigail R; Kemper, Leah M; McBride, Timothy D; Meuller, Keith J

    2016-05-01

    Since 2014, when the Health Insurance Marketplaces (HIMs) authorized by the Patient Protection and Affordable Care Act (ACA) were implemented, considerable premium changes have been observed in the marketplaces across the 50 states and the District of Columbia. This policy brief assesses the changes in average HIM plan premiums from 2014 to 2016, before accounting for subsidies, with an emphasis on the widening variation across rural and urban places. Since this brief focuses on premiums without accounting for subsidies, this is not intended to be an analysis of the "affordability" of ACA premiums, as that would require assessment of premiums, cost-sharing adjustments, and other factors.

  2. 24 CFR 266.604 - Mortgage insurance premium: Other requirements.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Other... Contract Rights and Obligations Mortgage Insurance Premiums § 266.604 Mortgage insurance premium: Other..., based upon the respective share of risk, that is to be used in calculating mortgage insurance premiums...

  3. 77 FR 26698 - Allocation of Mortgage Insurance Premiums

    Science.gov (United States)

    2012-05-07

    ... Allocation of Mortgage Insurance Premiums AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final... explain how to allocate prepaid qualified mortgage insurance premiums to determine the amount of the... Act of 2010. The regulations affect taxpayers who pay prepaid qualified mortgage insurance premiums...

  4. Marriage Premium in Turkey

    OpenAIRE

    Mercan, Murat A.

    2011-01-01

    This paper contributes to the literature in three ways. Our first contribution is calculating the marriage premium for Turkey. Our results suggest that married men earn 27 percent more than single men and married women earn 4 percent less than single women. Our second contribution is calculating the marriage premium for Turkey’s regions. For men, the wage difference is the smallest, 0.43, in Istanbul. The difference is highest in Akdeniz region. For women, the wage difference is smallest, -0....

  5. 49 CFR 260.17 - Credit risk premium analysis.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium analysis. 260.17 Section 260... Financial Assistance § 260.17 Credit risk premium analysis. (a) When Federal appropriations are not available to cover the total subsidy cost, the Administrator will determine the Credit Risk Premium...

  6. Tyylivinkkejä ja puuterihuiskuja : Kiinnostavan ja piilomainoksettoman muoti- ja kauneusjutun toimittaminen kaupunkilehteen

    OpenAIRE

    Kuusisto, Tiina

    2012-01-01

    Opinnäytetyössäni tutkin muoti- ja kauneusjuttujen ammattimaista toimittamista ja sitä, kuinka jutuista saadaan kiinnostavia ja piilomainoksettomia. Päätutkimuskysy-mykseni on: Kuinka muoti- ja kauneusaiheinen juttu toimitetaan ammattimaisesti? Tarkentavia tutkimuskysymyksiä on kolme. Kuinka tuotekeskeisestä aiheesta kirjoi-tetaan ilman mainostamista? Mikä tekee muoti- ja kauneusjutusta kiinnostavan? Kuinka kaupunkilehti Forum24:n Muoti ja Kauneus -liitteessä toteutuvat kiinnosta-vuus ja amma...

  7. Dynamic jump intensities and risk premiums

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Ornthanalai, Chayawat; Jacobs, Kris

    2012-01-01

    We build a new class of discrete-time models that are relatively easy to estimate using returns and/or options. The distribution of returns is driven by two factors: dynamic volatility and dynamic jump intensity. Each factor has its own risk premium. The models significantly outperform standard...... models without jumps when estimated on S&P500 returns. We find very strong support for time-varying jump intensities. Compared to the risk premium on dynamic volatility, the risk premium on the dynamic jump intensity has a much larger impact on option prices. We confirm these findings using joint...

  8. Storage and the electricity forward premium

    International Nuclear Information System (INIS)

    Douglas, Stratford; Popova, Julia

    2008-01-01

    We develop and test a model describing the influence of natural gas storage inventories on the electricity forward premium. The model is constructed by linking the effect of gas storage constraints on the higher moments of the distribution of electricity prices to an established model of the effect of those moments on the forward premium. The model predicts a sharply negative effect of gas storage inventories on the electricity forward premium when demand for electricity is high and space-heating demand for gas is low. Empirical results, based on PJM data, strongly support the model. (author)

  9. 7 CFR 400.710 - Preemption and premium taxation.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 6 2010-01-01 2010-01-01 false Preemption and premium taxation. 400.710 Section 400... of Policies and Rates of Premium § 400.710 Preemption and premium taxation. A policy or plan of insurance that is approved by the Board for FCIC reinsurance is preempted from state and local taxation. ...

  10. Physical Premium Principle: A New Way for Insurance Pricing

    Science.gov (United States)

    Darooneh, Amir H.

    2005-03-01

    In our previous work we suggested a way for computing the non-life insurance premium. The probable surplus of the insurer company assumed to be distributed according to the canonical ensemble theory. The Esscher premium principle appeared as its special case. The difference between our method and traditional principles for premium calculation was shown by simulation. Here we construct a theoretical foundation for the main assumption in our method, in this respect we present a new (physical) definition for the economic equilibrium. This approach let us to apply the maximum entropy principle in the economic systems. We also extend our method to deal with the problem of premium calculation for correlated risk categories. Like the Buhlman economic premium principle our method considers the effect of the market on the premium but in a different way.

  11. Designing Psychological Treatments for Scalability: The PREMIUM Approach.

    Directory of Open Access Journals (Sweden)

    Sukumar Vellakkal

    Full Text Available Lack of access to empirically-supported psychological treatments (EPT that are contextually appropriate and feasible to deliver by non-specialist health workers (referred to as 'counsellors' are major barrier for the treatment of mental health problems in resource poor countries. To address this barrier, the 'Program for Effective Mental Health Interventions in Under-resourced Health Systems' (PREMIUM designed a method for the development of EPT for severe depression and harmful drinking. This was implemented over three years in India. This study assessed the relative usefulness and costs of the five 'steps' (Systematic reviews, In-depth interviews, Key informant surveys, Workshops with international experts, and Workshops with local experts in the first phase of identifying the strategies and theoretical model of the treatment and two 'steps' (Case series with specialists, and Case series and pilot trial with counsellors in the second phase of enhancing the acceptability and feasibility of its delivery by counsellors in PREMIUM with the aim of arriving at a parsimonious set of steps for future investigators to use for developing scalable EPT.The study used two sources of data: the usefulness ratings by the investigators and the resource utilization. The usefulness of each of the seven steps was assessed through the ratings by the investigators involved in the development of each of the two EPT, viz. Healthy Activity Program for severe depression and Counselling for Alcohol Problems for harmful drinking. Quantitative responses were elicited to rate the utility (usefulness/influence, followed by open-ended questions for explaining the rankings. The resources used by PREMIUM were computed in terms of time (months and monetary costs.The theoretical core of the new treatments were consistent with those of EPT derived from global evidence, viz. Behavioural Activation and Motivational Enhancement for severe depression and harmful drinking respectively

  12. 24 CFR 266.600 - Mortgage insurance premium: Insurance upon completion.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.600 Mortgage insurance premium: Insurance upon completion. (a) Initial premium. For projects insured upon completion, on...

  13. Insurance premiums and insurance coverage of near-poor children.

    Science.gov (United States)

    Hadley, Jack; Reschovsky, James D; Cunningham, Peter; Kenney, Genevieve; Dubay, Lisa

    States increasingly are using premiums for near-poor children in their public insurance programs (Medicaid/SCHIP) to limit private insurance crowd-out and constrain program costs. Using national data from four rounds of the Community Tracking Study Household Surveys spanning the seven years from 1996 to 2003, this study estimates a multinomial logistic regression model examining how public and private insurance premiums affect insurance coverage outcomes (Medicaid/SCHIP coverage, private coverage, and no coverage). Higher public premiums are significantly associated with a lower probability of public coverage and higher probabilities of private coverage and uninsurance; higher private premiums are significantly related to a lower probability of private coverage and higher probabilities of public coverage and uninsurance. The results imply that uninsurance rates will rise if both public and private premiums increase, and suggest that states that impose or increase public insurance premiums for near-poor children will succeed in discouraging crowd-out of private insurance, but at the expense of higher rates of uninsurance. Sustained increases in private insurance premiums will continue to create enrollment pressures on state insurance programs for children.

  14. Physical Premium Principle: A New Way for Insurance Pricing

    Directory of Open Access Journals (Sweden)

    Amir H. Darooneh

    2005-02-01

    Full Text Available Abstract: In our previous work we suggested a way for computing the non-life insurance premium. The probable surplus of the insurer company assumed to be distributed according to the canonical ensemble theory. The Esscher premium principle appeared as its special case. The difference between our method and traditional principles for premium calculation was shown by simulation. Here we construct a theoretical foundation for the main assumption in our method, in this respect we present a new (physical definition for the economic equilibrium. This approach let us to apply the maximum entropy principle in the economic systems. We also extend our method to deal with the problem of premium calculation for correlated risk categories. Like the Buhlman economic premium principle our method considers the effect of the market on the premium but in a different way.

  15. 78 FR 70856 - Information Reporting of Mortgage Insurance Premiums

    Science.gov (United States)

    2013-11-27

    ... Information Reporting of Mortgage Insurance Premiums AGENCY: Internal Revenue Service (IRS), Treasury. ACTION... regulations that require information reporting by persons who receive mortgage insurance premiums, including... reporting requirements that result from the extension of the treatment of mortgage insurance premiums made...

  16. Advertising non-premium products as if they were premium: The impact of advertising up on advertising elasticity and brand equity

    OpenAIRE

    Guitart, I.A. (Ivan A.); Gonzalez, J. (Jorge); Stremersch, Stefan

    2018-01-01

    textabstractNon-premium brands occasionally emulate their premium counterparts by using ads that emphasize premium characteristics such as superior performance and exclusivity. We define this practice as “advertising up” and develop hypotheses about its short- and long-term impact on advertising elasticity and brand equity respectively. We test the hypotheses in two large-scale empirical studies using a comprehensive dataset from the automotive industry that includes, among others, the conten...

  17. Risk premiums in the German day-ahead Electricity Market

    International Nuclear Information System (INIS)

    Viehmann, Johannes

    2011-01-01

    This paper conducts an empirical analysis of risk premiums in the German day-ahead Electricity Wholesale Market. We compare hourly price data of the European Energy Exchange (EEX) auction and of the continuous over-the-counter (OTC) market which takes place prior to the EEX auction. Data provided by the Energy Exchange Austria (EXAA) has been used as a snapshot of the OTC market two hours prior to the EEX auction. Ex post analysis found market participants are willing to pay both significant positive and negative premiums for hourly contracts. The largest positive premiums were paid for high demand evening peak hours on weekdays during winter months. By contrast, night hours on weekends featuring lowest demand levels display negative premiums. Additionally, ex ante analysis found a strong positive correlation between the expected tightness of the system and positive premiums. For this purpose, a tightness factor has been introduced that includes expectations of fundamental factors such as power plant availability, wind power production and demand. Hence, findings by can be supported that power traders in liberalised markets behave like risk-averse rational economic agents. - Research highlights: →Analysis of hourly risk premiums in the German day-ahead Electricity Wholesale Market. →Market participants are willing to pay both significant positive and negative premiums for hourly contracts. →A strong correlation exists between the expected tightness of the power system and premiums.

  18. The dynamics of risk premiums in Nord Pool's futures market

    International Nuclear Information System (INIS)

    Mork, E.

    2006-01-01

    Premiums in futures prices are usually considered through the use of 2 models: a no-arbitrage model; and the equilibrium approach or theory of normal backwardation. The no-arbitrage approach equates futures prices with spot prices, storage costs and convenience yields, and is difficult to apply to electricity markets. This paper investigated future electricity prices in Nord Pool's futures market using an equilibrium approach, which split futures prices into an expected spot price component and a risk premium component. Three main hypotheses were used: (1) that risk premiums were present in the Nord Pool futures market during the period 1997-2004; that risk premiums in the Nord Pool futures market were smaller or absent during the period of 2000 to 2002; and, that there was a significant change in risk premiums in Nord Pool's futures market after the winter of 2002-2003 due to a change in consumer hedging behaviour. Futures prices were compared to realized spot prices in their delivery periods in order to test the hypotheses. In order to estimate the futures premiums, a 1-sample test was performed on the entire period for 1, 30, 60, and 90 days before delivery of the block or month contract. The test employed the null hypothesis that the futures premiums were 0. Premiums were positive and varied between 3.7 per cent and 9.3 per cent. The purpose of the study was to determine whether risk premiums were present. Results showed that risk premiums varied over time. Two additional hypotheses were then investigated to examine whether the presence of outside speculators reduced risk premiums, and to see if a period of high prices and volatility caused more buyers to hedge in the futures market. Results showed that in the face of volatility and higher prices, consumers do not purchase fixed-price contracts which would ultimately increase futures premiums in the market. It was concluded that premiums are an important element in the pricing of Nord Pool futures and forwards

  19. ACA Marketplace premiums and competition among hospitals and physician practices.

    Science.gov (United States)

    Polyakova, Maria; Bundorf, M Kate; Kessler, Daniel P; Baker, Laurence C

    2018-02-01

    To examine the association between annual premiums for health plans available in Federally Facilitated Marketplaces (FFMs) and the extent of competition and integration among physicians and hospitals, as well as the number of insurers. We used observational data from the Center for Consumer Information and Insurance Oversight on the annual premiums and other characteristics of plans, matched to measures of physician, hospital, and insurer market competitiveness and other characteristics of 411 rating areas in the 37 FFMs. We estimated multivariate models of the relationship between annual premiums and Herfindahl-Hirschman indices of hospitals and physician practices, controlling for the number of insurers, the extent of physician-hospital integration, and other plan and rating area characteristics. Premiums for Marketplace plans were higher in rating areas in which physician, hospital, and insurance markets were less competitive. An increase from the 10th to the 90th percentile of physician concentration and hospital concentration was associated with increases of $393 and $189, respectively, in annual premiums for the Silver plan with the second lowest cost. A similar increase in the number of insurers was associated with a $421 decrease in premiums. Physician-hospital integration was not significantly associated with premiums. Premiums for FFM plans were higher in markets with greater concentrations of hospitals and physicians but fewer insurers. Higher premiums make health insurance less affordable for people purchasing unsubsidized coverage and raise the cost of Marketplace premium tax credits to the government.

  20. 31 CFR 337.8 - Payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-07-01

    ... insurance premiums. When certificated debentures are tendered for purchase prior to maturity in order that the proceeds thereof be applied to pay for mortgage insurance premiums, any difference between the amount of the debentures purchased and the amount of the mortgage insurance premium will generally be...

  1. Sairaanhoitaja- ja terveydenhoitajaopiskelijoiden ensiaputiedot ja -taidot

    OpenAIRE

    Lehtimäki, Laura; Mäki, Laura; Varis, Sara

    2012-01-01

    Opinnäytetyön tarkoituksena oli selvittää ensimmäisen vuoden sairaanhoitaja- ja terveydenhoitajaopiskelijoiden ensiaputietoja ja –taitoja sekä ensiapuopetuksen ja -harjoitusten vaikutusta niihin. Lisäksi tarkoituksena oli saada selville eri oppimistyylien vaikutusta ensiaputietojen ja –taitojen oppimiseen. Opinnäytetyömme oli määrällinen eli kvantitatiivinen tutkimus. Opinnäytetyössä perusjoukkona oli Porvoon Laurea-ammattikorkeakoulun ensimmäisen vuoden sairaanhoitaja- ja terveydenhoita...

  2. Premium Pricing of Liability Insurance Using Random Sum Model

    Directory of Open Access Journals (Sweden)

    Mujiati Dwi Kartikasari

    2017-03-01

    Full Text Available Premium pricing is one of important activities in insurance. Nonlife insurance premium is calculated from expected value of historical data claims. The historical data claims are collected so that it forms a sum of independent random number which is called random sum. In premium pricing using random sum, claim frequency distribution and claim severity distribution are combined. The combination of these distributions is called compound distribution. By using liability claim insurance data, we analyze premium pricing using random sum model based on compound distribution

  3. The Skew Risk Premium in the Equity Index Market

    OpenAIRE

    Roman Kozhan; Anthony Neuberger; Paul Schneider

    2013-01-01

    We develop a new method for measuring moment risk premiums. We find that the skew premium accounts for over 40% of the slope in the implied volatility curve in the S&P 500 market. Skew risk is tightly related to variance risk, in the sense that strategies designed to capture the one and hedge out exposure to the other earn an insignificant risk premium. This provides a new testable restriction for asset pricing models trying to capture, in particular, disaster risk premiums. We base our resul...

  4. A comment on 'Storage and the electricity forward premium'

    International Nuclear Information System (INIS)

    Bloys van Treslong, Adriaan; Huisman, Ronald

    2010-01-01

    This paper examines the robustness of the results found by Douglas and Popova (2008). They examine the electricity forward premium in relation to gas storage inventories and find that, although electricity is not directly storable, electricity forward premiums are lower when gas storage inventories are higher, especially on days with high temperatures. Douglas and Popova (2008) derive their results from a forward premium model that is an extension of the Bessembinder and Lemmon (2002) model. We examine whether the gas storage inventory results hold under a different specification of the forward risk premium. Our results support the results found by Douglas and Popova (2008) and show that their results are not influenced by the specification of the forward premium model. (author)

  5. A note on weighted premium calculation principles

    NARCIS (Netherlands)

    Kaluszka, M.; Laeven, R.J.A.; Okolewski, A.

    2012-01-01

    A prominent problem in actuarial science is to determine premium calculation principles that satisfy certain criteria. Goovaerts et al. [Goovaerts, M. J., De Vylder, F., Haezendonck, J., 1984. Insurance Premiums: Theory and Applications. North-Holland, Amsterdam, p. 84] establish an optimality-type

  6. Explaining the so-called 'price premium' in oil markets

    International Nuclear Information System (INIS)

    Merino, A.; Ortiz, A.

    2005-01-01

    This paper explores the information content of several variables on the so-called ''oil price premium over fundamentals''. We define this premium as the difference between the market oil price and the estimated price consistent with the OECD's relative industry stock level. By using Granger causality tests and extended regressions we test the systematic ability of a broad set of variables to explain the premium. We find that speculation in the oil market - measured by non-commercial long positions - can improve the traditional model, reducing the premium significantly during some parts of the sample. (author)

  7. Promoting the market and system integration of renewable energies through premium schemes—A case study of the German market premium

    International Nuclear Information System (INIS)

    Gawel, Erik; Purkus, Alexandra

    2013-01-01

    With the share of renewable energies within the electricity sector rising, improving their market and system integration is of increasing importance. By offering plant operators a premium on top of the electricity market price, premium schemes represent an option to increase the alignment of renewable electricity production with market signals, and have been implemented by several EU member states. This paper examines the case study of the German market premium scheme adopted in 2012. Building on an evaluation of early experiences, we discuss whether the market premium contributes to the aims of market and/or system integration (effectiveness), and what potential efficiency gains and additional costs of “administering integration” are associated with it (efficiency). While exposing renewables to price risks is not the scheme’s purpose, it has successfully increased participation in direct marketing. However, risks of overcompensating producers for marketing and balancing costs are high, and the benefits of gradually leading plant operators towards the market are questionable. Incentives for demand-oriented production are established, but they seem insufficient particularly in the case of intermittent renewable energy sources. To conclude, we provide an outlook on alternative designs of premium schemes, and discuss whether they seem better suited for addressing the challenges ahead. - Highlights: • Premium schemes are used to align renewable energy sources (RES) with market signals. • We examine the effectiveness and efficiency of the German market premium scheme. • Participation in direct marketing has increased, but so have support costs. • For intermittent RES, incentives for demand-oriented production are insufficient. • Efficiency gains from exposing RES to market risks entail several trade-offs

  8. Incentive-compatible guaranteed renewable health insurance premiums.

    Science.gov (United States)

    Herring, Bradley; Pauly, Mark V

    2006-05-01

    Theoretical models of guaranteed renewable insurance display front-loaded premium schedules. Such schedules both cover lifetime total claims of low-risk and high-risk individuals and provide an incentive for those who remain low-risk to continue to purchase the policy. Questions have been raised of whether actual individual insurance markets in the US approximate the behavior predicted by these models, both because young consumers may not be able to "afford" front-loading and because insurers may behave strategically in ways that erode the value of protection against risk reclassification. In this paper, the optimal competitive age-based premium schedule for a benchmark guaranteed renewable health insurance policy is estimated using medical expenditure data. Several factors are shown to reduce the amount of front-loading necessary. Indeed, the resulting optimal premium path increases with age. Actual premium paths exhibited by purchasers of individual insurance are close to the optimal renewable schedule we estimate. Finally, consumer utility associated with the feature is examined.

  9. The conditional size premium and intertemporal risk

    DEFF Research Database (Denmark)

    de Oliveira Souza, Thiago

    2018-01-01

    The size premium only appears in states with good expected stock returns as given by several state variables, such as the aggregate book-to-market. The annual premium is 15% when this variable is within the top 33% in historical terms and an insignificant 0.4% otherwise. This renders...

  10. Insurer Competition In Federally Run Marketplaces Is Associated With Lower Premiums.

    Science.gov (United States)

    Jacobs, Paul D; Banthin, Jessica S; Trachtman, Samuel

    2015-12-01

    Federal subsidies for health insurance premiums sold through the Marketplaces are tied to the cost of the benchmark plan, the second-lowest-cost silver plan. According to economic theory, the presence of more competitors should lead to lower premiums, implying smaller federal outlays for premium subsidies. The long-term impact of the Affordable Care Act on government spending will depend on the cost of these premium subsidies over time, with insurer participation and the level of competition likely to influence those costs. We studied insurer participation and premiums during the first two years of the Marketplaces. We found that the addition of a single insurer in a county was associated with a 1.2 percent lower premium for the average silver plan and a 3.5 percent lower premium for the benchmark plan in the federally run Marketplaces. We found that the effect of insurer entry was muted after two or three additional entrants. These findings suggest that increased insurer participation in the federally run Marketplaces reduces federal payments for premium subsidies. Project HOPE—The People-to-People Health Foundation, Inc.

  11. The Association of State Rate Review Authority with Health Insurance Premiums.

    Science.gov (United States)

    Ticse, Caroline

    2015-10-01

    Key findings. (1) Adjusted premiums in the individual market in states with prior approval authority combined with loss ratio requirements were lower in 2010-2013 than premiums in states with no rate review authority or file-and-use regulations only. (2) Adjusted premiums declined modestly in prior approval states while premiums increased in states with no rate review authority or with file-and-use regulations only. (3) The findings suggest that states with prior approval authority and loss ratio requirements constrained increases in health insurance premiums.

  12. Lakkaasi ja tyrosinaasi ja niiden aktiivisuus valkolahosienissä

    OpenAIRE

    Kajasniemi, Petri

    2016-01-01

    Tutkielman kirjallinen osuus käsitteli Agaricus-suvun sieniä, sekä tyrosinaasin ja lakkaasin toimintaa ja rakennetta ja niiden jo olemassa olevia että mahdollisia sovelluksia. Kokeellisessa osassa pyrittiin selvittämään lakkaasin ja tyrosinaasin aktiivisuutta puuta ja kariketta lahottavien kantasienten kasvatuksissa ja vertaamaan erilaisia tyrosinaasiaktiivisuuden mittausmenetelmiä. Kokeellisessa osuudessa oli kaksi 28 vuorokautta kestänyttä kasvatusta. Toisessa alustana oli 2% mallasliemi...

  13. Optimal Premium Pricing for a Heterogeneous Portfolio of Insurance Risks

    Directory of Open Access Journals (Sweden)

    Athanasios A. Pantelous

    2009-01-01

    Full Text Available The paper revisits the classical problem of premium rating within a heterogeneous portfolio of insurance risks using a continuous stochastic control framework. The portfolio is divided into several classes where each class interacts with the others. The risks are modelled dynamically by the means of a Brownian motion. This dynamic approach is also transferred to the design of the premium process. The premium is not constant but equals the drift of the Brownian motion plus a controlled percentage of the respective volatility. The optimal controller for the premium is obtained using advanced optimization techniques, and it is finally shown that the respective pricing strategy follows a more balanced development compared with the traditional premium approaches.

  14. 5 CFR 410.402 - Paying premium pay.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Paying premium pay. 410.402 Section 410... for Training Expenses § 410.402 Paying premium pay. (a) Prohibitions. Except as provided by paragraph (b) of this section, an agency may not use its funds, appropriated or otherwise available, to pay...

  15. 12 CFR 217.101 - Premiums on deposits.

    Science.gov (United States)

    2010-01-01

    ... from paying interest on a demand deposit. Premiums, whether in the form of merchandise, credit, or cash... AGAINST THE PAYMENT OF INTEREST ON DEMAND DEPOSITS (REGULATION Q) Interpretations § 217.101 Premiums on... that is not, directly or indirectly, related to or dependent on the balance in a demand deposit account...

  16. Premium adjustment: actuarial analysis on epidemiological models ...

    African Journals Online (AJOL)

    In this paper, we analyse insurance premium adjustment in the context of an epidemiological model where the insurer's future financial liability is greater than the premium from patients. In this situation, it becomes extremely difficult for the insurer since a negative reserve would severely increase its risk of insolvency, ...

  17. Required Market Risk Premium among countries in 2012

    Directory of Open Access Journals (Sweden)

    Pablo Fernandez

    2015-12-01

    This survey also links with the Equity Premium Puzzle. It may be explained by the fact that many market participants use historical data and advice from textbooks and finance professors. Consequently, ex-ante equity premia have been high, most market prices have been consistently undervalued, and the ex-post risk premia has been also high. Many investors use historical data and textbook prescriptions to estimate the required and the expected equity premium, the undervaluation and the high ex-post risk premium are self fulfilling prophecies.

  18. 7 CFR 1962.29 - Payment of fees and insurance premiums.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Payment of fees and insurance premiums. 1962.29... Security § 1962.29 Payment of fees and insurance premiums. (a) Fees. (1) Security instruments. Borrowers... the service cannot be obtained without cost. (b) Insurance premiums. County Supervisors are authorized...

  19. 24 CFR 266.608 - Mortgage insurance premium: Pro rata refund.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Pro... PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.608 Mortgage insurance premium: Pro rata refund. If the Contract of Insurance is terminated by payment in full or is terminated...

  20. Demystifying first-cost green building premiums in healthcare.

    Science.gov (United States)

    Houghton, Adele; Vittori, Gail; Guenther, Robin

    2009-01-01

    This study assesses the extent of "first-cost green building construction premiums" in the healthcare sector based on data submitted by and interviews with 13 current LEED-certified and LEED-registered healthcare project teams, coupled with a literature survey of articles on the topics of actual and perceived first-cost premiums associated with green building strategies. This analysis covers both perceived and realized costs across a range of projects in this sector, leading to the following conclusions: Construction first-cost premiums may be lower than is generally perceived, and they appear to be independent of both building size and level of "green" achievement; projects are using financial incentives and philanthropy to drive higher levels of achievement; premiums are decreasing over time; and projects are benefiting from improvements in health and productivity which, although difficult to monetize, are universally valued.

  1. Height premium for job performance.

    Science.gov (United States)

    Kim, Tae Hyun; Han, Euna

    2017-08-01

    This study assessed the relationship of height with wages, using the 1998 and 2012 Korean Labor and Income Panel Study data. The key independent variable was height measured in centimeters, which was included as a series of dummy indicators of height per 5cm span (wages to assess the heterogeneity in the height-wage relationship, across the conditional distribution of monthly wages. We found a non-linear relationship of height with monthly wages. For men, the magnitude of the height wage premium was overall larger at the upper quantile of the conditional distribution of log monthly wages than at the median to low quantile, particularly in professional and semi-professional occupations. The height-wage premium was also larger at the 90th quantile for self-employed women and salaried men. Our findings add a global dimension to the existing evidence on height-wage premium, demonstrating non-linearity in the association between height and wages and heterogeneous changes in the dispersion and direction of the association between height and wages, by wage level. Copyright © 2017 Elsevier B.V. All rights reserved.

  2. 24 CFR 232.825 - Pro rata refund of insurance premium.

    Science.gov (United States)

    2010-04-01

    ... ASSISTED LIVING FACILITIES Contract Rights and Obligations Premiums § 232.825 Pro rata refund of insurance premium. Upon termination of a loan insurance contract by a payment in full or by a voluntary termination... rata portion of the current annual loan insurance premium theretofore paid which is applicable to the...

  3. 12 CFR 741.4 - Insurance premium and one percent deposit.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Insurance premium and one percent deposit. 741... Insurance premium and one percent deposit. (a) Scope. This section implements the requirements of Section... payment of an insurance premium. (b) Definitions. For purposes of this section: (1) Available assets ratio...

  4. 77 FR 30377 - Health Insurance Premium Tax Credit

    Science.gov (United States)

    2012-05-23

    ... Health Insurance Premium Tax Credit AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final regulations. SUMMARY: This document contains final regulations relating to the health insurance premium tax... categories of immigrants described in the Children's Health Insurance Program Reauthorization Act. One...

  5. 24 CFR 241.825 - Pro rata refund of insurance premium.

    Science.gov (United States)

    2010-04-01

    ... Projects Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.825 Pro rata refund of insurance premium... of the current annual loan insurance premium theretofore paid which is applicable to the portion of... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Pro rata refund of insurance...

  6. 24 CFR 207.252e - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 207.252e Section 207.252e Housing and Urban Development Regulations Relating to Housing... Premiums § 207.252e Method of payment of mortgage insurance premiums. In the cases that the Commissioner... mortgagees, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

  7. 76 FR 50931 - Health Insurance Premium Tax Credit

    Science.gov (United States)

    2011-08-17

    ... Health Insurance Premium Tax Credit AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of... relating to the health insurance premium tax credit enacted by the Patient Protection and Affordable Care... be able to purchase private health insurance through State-based competitive marketplaces called...

  8. Premium Pricing of Liability Insurance Using Random Sum Model

    OpenAIRE

    Kartikasari, Mujiati Dwi

    2017-01-01

    Premium pricing is one of important activities in insurance. Nonlife insurance premium is calculated from expected value of historical data claims. The historical data claims are collected so that it forms a sum of independent random number which is called random sum. In premium pricing using random sum, claim frequency distribution and claim severity distribution are combined. The combination of these distributions is called compound distribution. By using liability claim insurance data, we ...

  9. An empirical study of the information premium on electricity markets

    International Nuclear Information System (INIS)

    Benth, Fred Espen; Biegler-König, Richard; Kiesel, Rüdiger

    2013-01-01

    Due to the non-storability of electricity and the resulting lack of arbitrage-based arguments to price electricity forward contracts, a significant time-varying risk premium is exhibited. Using EEX data during the introduction of emission certificates and the German “Atom Moratorium” we show that a significant part of the risk premium in electricity forwards is due to different information sets in spot and forward markets. In order to show the existence of the resulting information premium and to analyse its size we design an empirical method based on techniques relating to enlargement of filtrations and the structure of Hilbert spaces. - Highlights: ► Electricity is non-storable and the classical spot–forward-relationship is invalid. ► Future information will cause an information premium for forward contracts. ► We model this premium mathematically using enlargement of filtrations. ► We develop a statistical method testing for the information premium empirically. ► We apply the test to the 2nd phase of the EUETS and the German “Atom Moratorium”

  10. Obstetricians' rising liability insurance premiums and inductions at late preterm gestations.

    Science.gov (United States)

    Murthy, Karna; Grobman, William A; Lee, Todd A; Holl, Jane L

    2009-04-01

    To estimate the association between professional liability insurance premiums for obstetricians and late preterm induction (LPI) rates. Data from the National Center for Health Statistics were used to identify all Illinois women pregnant with singletons at 34 weeks' gestation from 1991 to 2003. The independent association between LPI (induction between 34 and 37 weeks' gestation) rates and the previous year's obstetric malpractice insurance premiums was evaluated using linear regression. The mean annual LPI rate (5.4/1000 in 1991 to 15.2/1000 in 2003, P insurance premiums ($55,480 to $110,613, P insurance premium. Rising premiums are associated with increased frequency of LPI among women with singleton gestations.

  11. Clearwood quality and softwood lumber prices: what's the real premium?

    Science.gov (United States)

    Thomas R. Waggener; Roger D. Fight

    1999-01-01

    Diminishing quantities of appearance grade lumber and rising price premiums for it have accompanied the transition from old-growth to young-growth timber. The price premiums for better grades are an incentive for producers to undertake investments to increase the yield of those higher valued products. Price premiums, however, are also an incentive for users to...

  12. Can large long-term investors capture illiquidity premiums

    NARCIS (Netherlands)

    de Jong, F.C.J.M.; Driessen, J.J.A.G.

    2015-01-01

    In this paper we perform a literature study to assess whether large long-term investors can benefit from liquidity premiums in different asset classes. We both describe the theoretical predictions on liquidity premiums and portfolio choice with illiquidity, as well as empirical evidence on liquidity

  13. 78 FR 7264 - Health Insurance Premium Tax Credit

    Science.gov (United States)

    2013-02-01

    ... DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Part 1 [TD 9611] RIN 1545-BL49 Health Insurance Premium Tax Credit AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final regulations. SUMMARY: This document contains final regulations relating to the health insurance premium tax credit...

  14. Nuorten tietokone- ja konsolipelaaminen ja vanhempien rooli : WHO-Koululaistutkimus

    OpenAIRE

    Miettinen, Laura

    2017-01-01

    TIIVISTELMÄ Nuorten tietokone- ja konsolipelaaminen ja vanhempien rooli, WHO-Koululaistutkimus Laura Miettinen Terveyskasvatuksen Pro gradu -tutkielma Jyväskylän yliopisto, Liikuntatieteellinen tiedekunta 2017 75 sivua, 22 liitettä Ohjaaja TtT Raili Välimaa Pro gradu -tutkielmassa tarkasteltiin koulupäivisin ja viikonloppuisin pelaamiseen käytetyn ajan vaihtelua sukupuolen, luokkatason, koetun äidin ja isän valvonnan, koetun äidin ja isän kiintymyssuhteen ja perheeseen ...

  15. CHIP premiums, health status, and the insurance coverage of children.

    Science.gov (United States)

    Marton, James; Talbert, Jeffery C

    2010-01-01

    This study uses the introduction of premiums into Kentucky's Children's Health Insurance Program (KCHIP) to examine whether the enrollment impact of new premiums varies by child health type. We also examine the extent to which children find alternative coverage after premium nonpayment. Public insurance claims data suggest that those with chronic health conditions are less likely to leave public coverage. We find little evidence of a differential impact of premiums on enrollment among the chronically ill. Our survey of nonpayers shows that 56% of responding families found alternative private or public health coverage for their children after losing CHIP.

  16. Medical malpractice reform and employer-sponsored health insurance premiums.

    Science.gov (United States)

    Morrisey, Michael A; Kilgore, Meredith L; Nelson, Leonard Jack

    2008-12-01

    Tort reform may affect health insurance premiums both by reducing medical malpractice premiums and by reducing the extent of defensive medicine. The objective of this study is to estimate the effects of noneconomic damage caps on the premiums for employer-sponsored health insurance. Employer premium data and plan/establishment characteristics were obtained from the 1999 through 2004 Kaiser/HRET Employer Health Insurance Surveys. Damage caps were obtained and dated based on state annotated codes, statutes, and judicial decisions. Fixed effects regression models were run to estimate the effects of the size of inflation-adjusted damage caps on the weighted average single premiums. State tort reform laws were identified using Westlaw, LEXIS, and statutory compilations. Legislative repeal and amendment of statutes and court decisions resulting in the overturning or repealing state statutes were also identified using LEXIS. Using a variety of empirical specifications, there was no statistically significant evidence that noneconomic damage caps exerted any meaningful influence on the cost of employer-sponsored health insurance. The findings suggest that tort reforms have not translated into insurance savings.

  17. 48 CFR 2132.770 - Insurance premium payments and special contingency reserve.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Insurance premium payments... GENERAL CONTRACTING REQUIREMENTS CONTRACT FINANCING Contract Funding 2132.770 Insurance premium payments and special contingency reserve. Insurance premium payments and a special contingency reserve are made...

  18. Generalized financial ratios to predict the equity premium

    NARCIS (Netherlands)

    Algaba, Andres; Boudt, Kris

    2017-01-01

    Empirical evidence for the price-dividend ratio to be a predictor of the equity premium is weak. We argue that changes in the economic conditions and market composition lead to a time-varying relationship between prices, dividends and the equity premium. Exploiting the information in the rolling

  19. 24 CFR 213.256 - Premiums; insurance upon completion.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums; insurance upon completion... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES COOPERATIVE HOUSING MORTGAGE INSURANCE Contract Rights and Obligations-Projects § 213.256 Premiums...

  20. KONTEKST JA VIITAMINE: ARGIVESTLUSED, LEGOD JA NARRATIIVID

    Directory of Open Access Journals (Sweden)

    Renate Pajusalu

    2013-01-01

    Full Text Available Käesolev artikkel käsitleb konteksti ja viitamisvahendeid, mis loovad konteksti. Käsitlus põhineb eelkõige kolmel eraldi läbiviidud uurimusel, milles kõigis oli põhitähelepanu algselt suunatud viitamisvahenditele. Vaatleme kontekstualiseerimisvõtteid spontaansetes argivestlustes ja kahes katselises olukorras: katses legoklotsidega, milles üks katsealune ehitab klotsidest maja teise katsealuse juhendamisel, ja pildiseeria põhjal jutustatud narratiivides. Artiklis võrreldakse, mis nendes kolmes kontekstis oli sarnast ja mis erinevat eelkõige vestlustegevuse alguses: tegevuse olemusest märku andmises ja referentide loomises. Kuna üks osa vaadeldavaid narratiive pärineb lastelt, puudutab artikkel mõnevõrra ka erinevate vanuseliste gruppide viitamisstrateegiaid.

  1. The dynamics of risk premiums in Nord Pool's futures market

    Energy Technology Data Exchange (ETDEWEB)

    Mork, E. [Consultant, Oslo (Norway)

    2006-04-15

    Premiums in futures prices are usually considered through the use of 2 models: a no-arbitrage model; and the equilibrium approach or theory of normal backwardation. The no-arbitrage approach equates futures prices with spot prices, storage costs and convenience yields, and is difficult to apply to electricity markets. This paper investigated future electricity prices in Nord Pool's futures market using an equilibrium approach, which split futures prices into an expected spot price component and a risk premium component. Three main hypotheses were used: (1) that risk premiums were present in the Nord Pool futures market during the period 1997-2004; that risk premiums in the Nord Pool futures market were smaller or absent during the period of 2000 to 2002; and, that there was a significant change in risk premiums in Nord Pool's futures market after the winter of 2002-2003 due to a change in consumer hedging behaviour. Futures prices were compared to realized spot prices in their delivery periods in order to test the hypotheses. In order to estimate the futures premiums, a 1-sample test was performed on the entire period for 1, 30, 60, and 90 days before delivery of the block or month contract. The test employed the null hypothesis that the futures premiums were 0. Premiums were positive and varied between 3.7 per cent and 9.3 per cent. The purpose of the study was to determine whether risk premiums were present. Results showed that risk premiums varied over time. Two additional hypotheses were then investigated to examine whether the presence of outside speculators reduced risk premiums, and to see if a period of high prices and volatility caused more buyers to hedge in the futures market. Results showed that in the face of volatility and higher prices, consumers do not purchase fixed-price contracts which would ultimately increase futures premiums in the market. It was concluded that premiums are an important element in the pricing of Nord Pool futures and

  2. Sepsis - tunnistaminen ja hoito ensi- ja akuuttihoidossa

    OpenAIRE

    Ansio, Susa; Saarenketo, Tiia

    2016-01-01

    Sepsiksellä tarkoitetaan tilannetta, jolloin ihmisen verenkierrossa on bakteereita ja tämä aiheuttaa vakavia oireita. Lähes kaikki sepsiksen oireet johtuvat elimistön puolustusreaktiosta bakteeria vastaan. Sepsiksen hoito on monivaiheista ja kallista, ja siihen kuolleisuus on suurta. Ensihoidossa olisi tärkeää tunnistaa mahdollinen sepsis ja aloittaa tarvittava hoito mahdollisimman varhaisessa vaiheessa. Opinnäytetyön tarkoituksena on kuvata sepsiksen tunnistamista ensihoidossa, myöhäisem...

  3. Risk premium and insalubrity

    International Nuclear Information System (INIS)

    Portela, Josmael; Figueira, Rosania Lucia

    2005-01-01

    The risk premium and insalubrity have been widely discussed in the legal universe/labor. The social and economic impacts interfere on the right of the professional exposed to ionizing radiation to have or not additional rights. Due to the large accidents, with world repercussion, which occurred in recent times, involving workers undergoing these radiation, these professionals are receiving special attention by the competent bodies on the right or not to risk premium and insalubrity. The professional who operates equipment that emit ionising radiation, or those working directly with radioisotopes are undoubtedly under imminent risk, even if they complied with all safety requirements, thus deserving a more careful analysis by our lawyers with respect to receive additional percentages. Recent decisions of higher Courts begin to consolidate a more just and logical reasoning on the subject

  4. 24 CFR 266.610 - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 266.610 Section 266.610 Housing and Urban Development Regulations Relating to Housing... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.610 Method of payment of mortgage insurance premiums. In the cases that the Commissioner deems appropriate, the...

  5. The Risk Premium for Equity : Explanations and Implications

    NARCIS (Netherlands)

    Grant, S.; Quiggin, J.

    2001-01-01

    The equity premium puzzle shows that using standard parameters and setup, the Consumption-based Capital Asset Pricing Model's (CCAPM's) prediction of the premium associated with systematic risk is out by an order of magnitude.The object of this paper is to consider the implications of each of the

  6. 24 CFR 203.260 - Amount of mortgage insurance premium (periodic MIP).

    Science.gov (United States)

    2010-04-01

    ... Mortgage Insurance Premiums-Periodic Payment § 203.260 Amount of mortgage insurance premium (periodic MIP... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Amount of mortgage insurance premium (periodic MIP). 203.260 Section 203.260 Housing and Urban Development Regulations Relating to...

  7. Risk Premium and Central Bank Intervention

    OpenAIRE

    Pinar Ozlu

    2006-01-01

    This study examines the relation between the risk premium and central bank intervention. Forward rates are calculated for the Turkish Lira-USD exchange market and then the effect of central bank intervention on the risk premium is estimated. Using high quality daily intervention data from the Central Bank of Turkey as well as implied forward rates, an MA (21)-GARCH (1,1) model is estimated. Both purchases and sales of US dollars by the Central Bank of Turkey appear to have no effect on the si...

  8. 24 CFR 251.6 - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 251.6 Section 251.6 Housing and Urban Development Regulations Relating to Housing and... HOUSING PROJECTS § 251.6 Method of payment of mortgage insurance premiums. In the cases that the... affected lenders, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

  9. 24 CFR 236.252 - First, second, and third mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 236.252 Section 236.252 Housing and Urban Development Regulations Relating to Housing... insurance premiums. All of the provisions of § 207.252 of this chapter governing the first, second, and third mortgage insurance premiums shall apply to mortgages insured under this subpart, except: (a) Where...

  10. PENGARUH KEBIJAKAN HARGA BBM, JUMLAH SEPEDA MOTOR, PENDAPATAN PERKAPITA TERHADAP KONSUMSI PREMIUM

    Directory of Open Access Journals (Sweden)

    Tri Atmojo

    2017-06-01

    Full Text Available Konsumsi BBM di Indonesia semakin meningkat karena meningkatnya pendapatan masyarakat, jumlah kendaraan bermotor di Indonesia. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh kebijakan harga BBM, kendaraan bermotor (motor, pendapatan perkapita terhadap konsumsi BBM (Premium. Objek penelitian ini adalah konsumsi BBM di Republik Indonesia kurun waktu 1985-2014. Penelitian ini menggunakan desain penelitian dengan pendekatan kuantitatif. Analisis data menggunakan analisis Regresi Linier Berganda dengan metode Ordinary Least Square (OLS. Berdasarkan hasil penelitian dapat disimpulkan bahwa kebijakan harga berpengaruh signifikan terhadap konsumsi premium, pendapatan per kapita  berpengaruh positif terhadap konsumsi premium, jumlah sepeda motor berpengaruh positif terhadap konsumsi premium, serta harga BBM, pendapatan perkapita, dan jumlah sepeda motor secara serentak berpengaruh positif terhadap konsumsi premium. Fuel consumption in Indonesia is increasing due to rising incomes, the number of motor vehicles in Indonesia. The purpose of this study was to determine the effect of fuel price policy, motor vehicles (motorcycles, per capita income on the consumption of fuel (Premium. The object of this study is the fuel consumption in the Republic of Indonesia period 1985-2014. The design of this research study with a quantitative approach. Analyzed using Multiple Linear Regression Ordinary Least Square method (OLS. Based on the results of this study concluded that the pricing policies have a significant effect on the consumption of premium, per capita income has positive influence on consumption of premium, the number of motorcycles positive effect on premium consumption, as well as fuel prices, per capita income, and the number of motorcycles simultaneously positive effect on consumption of premium.

  11. Log-supermodularity of weight functions and the loading monotonicity of weighted insurance premiums

    OpenAIRE

    Hristo S. Sendov; Ying Wang; Ricardas Zitikis

    2010-01-01

    The paper is motivated by a problem concerning the monotonicity of insurance premiums with respect to their loading parameter: the larger the parameter, the larger the insurance premium is expected to be. This property, usually called loading monotonicity, is satisfied by premiums that appear in the literature. The increased interest in constructing new insurance premiums has raised a question as to what weight functions would produce loading-monotonic premiums. In this paper we demonstrate a...

  12. PENENTUAN CADANGAN PREMI DENGAN METODE PREMIUM SUFFICIENCY PADA ASURANSI JIWA SEUMUR HIDUP JOINT LIFE

    Directory of Open Access Journals (Sweden)

    NI PUTU MIRAH PERMATASARI

    2016-08-01

    Full Text Available The aim of this research was to get the formula of premium reserves through the premium sufficiency method. Premium reserve is the amount of fund that is collected by the insurance company in preparation for the claim’s payment. Premium sufficiency method is gross premium calculation. To construct that formula, this research used Tabel Mortalitas Indonesia (TMI 2011, interest rate 2.5% and cost of alpha %. Based on simulation result in men premium reserve value of age 1 of 56 years propotional with insured periods, but after56 years enhancement of premium reserve value.

  13. Health insurance premium tax credit. Final regulations.

    Science.gov (United States)

    2013-02-01

    This document contains final regulations relating to the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010.These final regulations provide guidance to individuals related to employees who may enroll in eligible employer-sponsored coverage and who wish to enroll in qualified health plans through Affordable Insurance Exchanges (Exchanges) and claim the premium tax credit.

  14. Plan–Provider Integration, Premiums, and Quality in the Medicare Advantage Market

    Science.gov (United States)

    Frakt, Austin B; Pizer, Steven D; Feldman, Roger

    2013-01-01

    Objective. To investigate how integration between Medicare Advantage plans and health care providers is related to plan premiums and quality ratings. Data Source. We used public data from the Centers for Medicare and Medicaid Services (CMS) and the Area Resource File and private data from one large insurer. Premiums and quality ratings are from 2009 CMS administrative files and some control variables are historical. Study Design. We estimated ordinary least-squares models for premiums and plan quality ratings, with state fixed effects and firm random effects. The key independent variable was an indicator of plan–provider integration. Data Collection. With the exception of Medigap premium data, all data were publicly available. We ascertained plan–provider integration through examination of plans’ websites and governance documents. Principal Findings. We found that integrated plan–providers charge higher premiums, controlling for quality. Such plans also have higher quality ratings. We found no evidence that integration is associated with more generous benefits. Conclusions. Current policy encourages plan–provider integration, although potential effects on health insurance products and markets are uncertain. Policy makers and regulators may want to closely monitor changes in premiums and quality after integration and consider whether quality improvement (if any) justifies premium increases (if they occur). PMID:23800017

  15. Plan-provider integration, premiums, and quality in the Medicare Advantage market.

    Science.gov (United States)

    Frakt, Austin B; Pizer, Steven D; Feldman, Roger

    2013-12-01

    To investigate how integration between Medicare Advantage plans and health care providers is related to plan premiums and quality ratings. We used public data from the Centers for Medicare and Medicaid Services (CMS) and the Area Resource File and private data from one large insurer. Premiums and quality ratings are from 2009 CMS administrative files and some control variables are historical. We estimated ordinary least-squares models for premiums and plan quality ratings, with state fixed effects and firm random effects. The key independent variable was an indicator of plan-provider integration. With the exception of Medigap premium data, all data were publicly available. We ascertained plan-provider integration through examination of plans' websites and governance documents. We found that integrated plan-providers charge higher premiums, controlling for quality. Such plans also have higher quality ratings. We found no evidence that integration is associated with more generous benefits. Current policy encourages plan-provider integration, although potential effects on health insurance products and markets are uncertain. Policy makers and regulators may want to closely monitor changes in premiums and quality after integration and consider whether quality improvement (if any) justifies premium increases (if they occur). © Health Research and Educational Trust.

  16. PENENTUAN CADANGAN PREMI DENGAN METODE PREMIUM SUFFICIENCY PADA ASURANSI JIWA SEUMUR HIDUP JOINT LIFE

    OpenAIRE

    NI PUTU MIRAH PERMATASARI; I NYOMAN WIDANA; KARTIKA SARI

    2016-01-01

    The aim of this research was to get the formula of premium reserves through the premium sufficiency method. Premium reserve is the amount of fund that is collected by the insurance company in preparation for the claim’s payment. Premium sufficiency method is gross premium calculation. To construct that formula, this research used Tabel Mortalitas Indonesia (TMI) 2011, interest rate 2.5% and cost of alpha %. Based on simulation result in men premium reserve value of age 1 of 56 years propotio...

  17. The impact of CHIP premium increases on insurance outcomes among CHIP eligible children.

    Science.gov (United States)

    Nikolova, Silviya; Stearns, Sally

    2014-03-03

    Within the United States, public insurance premiums are used both to discourage private health policy holders from dropping coverage and to reduce state budget costs. Prior research suggests that the odds of having private coverage and being uninsured increase with increases in public insurance premiums. The aim of this paper is to test effects of Children's Health Insurance Program (CHIP) premium increases on public insurance, private insurance, and uninsurance rates. The fact that families just below and above a state-specific income cut-off are likely very similar in terms of observable and unobservable characteristics except the premium contribution provides a natural experiment for estimating the effect of premium increases. Using 2003 Medical Expenditure Panel Survey (MEPS) merged with CHIP premiums, we compare health insurance outcomes for CHIP eligible children as of January 2003 in states with a two-tier premium structure using a cross-sectional regression discontinuity methodology. We use difference-in-differences analysis to compare longitudinal insurance outcomes by December 2003. Higher CHIP premiums are associated with higher likelihood of private insurance. Disenrollment from CHIP in response to premium increases over time does not increase the uninsurance rate. When faced with higher CHIP premiums, private health insurance may be a preferable alternative for CHIP eligible families with higher incomes. Therefore, competition in the insurance exchanges being formed under the Affordable Care Act could enhance choice.

  18. 24 CFR 236.253 - Premiums-operating loss loans.

    Science.gov (United States)

    2010-04-01

    ... Obligations for Mortgage Insurance § 236.253 Premiums—operating loss loans. All of the provisions of § 207.252a of this chapter relating to mortgage insurance premiums on operating loss loans shall apply to... Act the mortgage insurance premiums due in accordance with § 207.252a shall be calculated on the basis...

  19. Differing Impacts Of Market Concentration On Affordable Care Act Marketplace Premiums.

    Science.gov (United States)

    Scheffler, Richard M; Arnold, Daniel R; Fulton, Brent D; Glied, Sherry A

    2016-05-01

    Recent increases in market concentration among health plans, hospitals, and medical groups raise questions about what impact such mergers are having on costs to consumers. We examined the impact of market concentration on the growth of health insurance premiums between 2014 and 2015 in two Affordable Care Act state-based Marketplaces: Covered California and NY State of Health. We measured health plan, hospital, and medical group market concentration using the well-known Herfindahl-Hirschman Index (HHI) and used a multivariate regression model to relate these measures to premium growth. Both states exhibited a positive association between hospital concentration and premium growth and a positive (but not statistically significant) association between medical group concentration and premium growth. Our results for health plan concentration differed between the two states: It was positively associated with premium growth in New York but negatively associated with premium growth in California. The health plan concentration finding in Covered California may be the result of its selectively contracting with health plans. Project HOPE—The People-to-People Health Foundation, Inc.

  20. Employer choices of family premium sharing.

    Science.gov (United States)

    Vistnes, Jessica Primoff; Morrisey, Michael A; Jensen, Gail A

    2006-03-01

    In 1997, nearly two-thirds of married couples with children under age 18 were dual-earner couples. Such families may have a variety of insurance options available to them. If so, declining a high employee premium contribution may be a mechanism for one spouse to take money wages in lieu of coverage while the other spouse takes coverage rather than high wages. Employers may use these preferences and the size of premium contributions to encourage workers to obtain family coverage through their spouse. The purpose of this paper is to explore the effects of labor force composition, particularly the proportion of dual-earner couples in the labor market, on the marginal employee premium contribution (marginal EPC) for family coverage. We analyze data from the 1997-2001 Medical Expenditure Panel Survey--Insurance Component (MEPS-IC) List Sample of private establishments. We find strong evidence that the marginal EPC for family coverage is higher when there is a larger concentration of women in the workforce, but only in markets with a higher proportion of dual-earner households.

  1. What drives insurer participation and premiums in the Federally-Facilitated Marketplace?

    Science.gov (United States)

    Abraham, Jean Marie; Drake, Coleman; McCullough, Jeffrey S; Simon, Kosali

    2017-12-01

    We investigate determinants of market entry and premiums within the context of the Affordable Care Act's Marketplaces for individual insurance. Using Bresnahan and Reiss (1991) as the conceptual framework, we study how competition and firm heterogeneity relate to premiums in 36 states using Federally Facilitated or Supported Marketplaces in 2016. Our primary data source is the Qualified Health Plan Landscape File, augmented with market characteristics from the American Community Survey and Area Health Resource File as well as insurer-level information from federal Medical Loss Ratio annual reports. We first estimate a model of insurer entry and then investigate the relationship between a market's predicted number of entrants and insurer-level premiums. Our entry model results suggest that competition is increasing with the number of insurers, most notably as the market size increases from 3 to 4 entrants. Results from the premium regression suggest that each additional entrant is associated with approximately 4% lower premiums, controlling for other factors. An alternative explanation for the relationship between entrants and premiums is that more efficient insurers (who can price lower) are the ones that enter markets with many entrants, and this is reflected in lower premiums. An exploratory analysis of insurers' non-claims costs (a proxy for insurer efficiency) reveals that average costs among entrants are rising slightly with the number of insurers in the market. This pattern does not support the hypothesis that premiums decrease with more entrants because those entrants are more efficient, suggesting instead that the results are being driven mostly by price competition.

  2. Minevik ja tulevik. Mälestus ja unistus / Anneli Kõvamees

    Index Scriptorium Estoniae

    Kõvamees, Anneli, 1979-

    2007-01-01

    Suunatusest tulevikku, suunatusest minevikku ja oleviku olematusest "Tões ja õiguses". Sisaldab lõike A. H. Tammsaare romaanist "Tõde ja õigus" I, K. Ristikivi romaanist "Ei juhtunud midagi", M. Metsanurga romaanist "Soosaare", K. Ristikivi romaanist "Tuli ja raud", A. H. Tammsaare jutustusest "Tähtis päev", K. Ristikivi romaanist "Kõik, mis kunagi oli", A. Camus' lühiromaanist "Sisyphose müüt", H. C. Anderseni muinasjutust "Väike Merineitsi" ja E. v. Keyserlingi jutustusest "Õhtused majad"

  3. Happening'id ja disain - visioon kunsti ja elu terviklikkusest / Mari Laanemets

    Index Scriptorium Estoniae

    Laanemets, Mari, 1975-

    2010-01-01

    Analüüsitakse kunsti ja disaini vahelist suhet 1970. aastatel esile kerkinud uue kunstikäsitluse ja kunstilise tegevuse ümbermõtestamise kontekstis. Mõlemad pidid lepitama inimest reaalsusega - disain elukeskkonda ülendades, õilistades ja happening'id - elu formaalseid struktuure lõhkudes. Ka almanahhi "Kunst ja Kodu" erilisest positsioonist lääne kaasaegse kunsti ja disaini tuvustamisel (toimetajaks 1973. aastast Andres Tolts) ning rühmitusest SOUP 1969 ja nende ideoloogide - Ando Keskküla, Andres Toltsi ja Leonhard Lapini tegevusest ja mõjust

  4. Konkurents euroliidu automüügis pingeline / Tõnu Tramm

    Index Scriptorium Estoniae

    Tramm, Tõnu, 1968-

    2003-01-01

    Eesti esimese autokaubamaja Premium Motors AS-i tegevuse alustamine võib mõjutada ametlike autoesinduste tegevust, hinnapoliitikat, turupositsioone ja kliendisuhteid. Artiklis võrdlevad Eesti ja Euroopa Liidu olukorda Premium Motors AS-i nõukogu liige Tiit Arge, HMR Baltic OÜ nõukogu esimees Jürgen Vester ja Info Auto AS-i peadirektor Kaupo Katkosilt. Vt. samas: Romud kaovad Eesti teedelt

  5. The Efects of Corporate Social Responsibility Initiatives and Price Premiums on Polish Consumers' Responses: An Experimental Study

    Directory of Open Access Journals (Sweden)

    Wójcik Piotr

    2014-10-01

    Full Text Available This article explores whether, how and which forms of corporate social responsibility (CSR initiatives influence consumer perceptions of the value of and intention to buy responsibly manufactured yogurt, and identifies the impact of the price rise effect on consumer responses. An experimental study was conducted using scenarios with a sample of 421 university students. The results indicate that information about positive corporate behavior evokes higher perceived value and buying intention than information about negative corporate behavior; that responses differ significantly depending on whether or not the CSR initiative relates to the firm's core business; and that there is a level of consumer sensitivity to the price premium for a responsibly made yogurt. This study expands existing knowledge beyond previous areas of focus by demonstrating that a CSR initiative related to a firm's core business generates higher perceived value and buying intention than a non-related initiative, and by showing that there exists a trade-of between functional and social attributes. The findings of this study may be of interest to companies by showing the level of premium price acceptance and by demonstrating that CSR initiatives detached from basic business activity may bring negative consequences in terms of sales volume.

  6. The Effect of Massachusetts' Health Reform on Employer-Sponsored Insurance Premiums.

    Science.gov (United States)

    Cogan, John F; Hubbard, R Glenn; Kessler, Daniel

    2010-01-01

    In this paper, we use publicly available data from the Medical Expenditure Panel Survey - Insurance Component (MEPS-IC) to investigate the effect of Massachusetts' health reform plan on employer-sponsored insurance premiums. We tabulate premium growth for private-sector employers in Massachusetts and the United States as a whole for 2004 - 2008. We estimate the effect of the plan as the difference in premium growth between Massachusetts and the United States between 2006 and 2008-that is, before versus after the plan-over and above the difference in premium growth for 2004 to 2006. We find that health reform in Massachusetts increased single-coverage employer-sponsored insurance premiums by about 6 percent, or $262. Although our research design has important limitations, it does suggest that policy makers should be concerned about the consequences of health reform for the cost of private insurance.

  7. Optimal Premium Pricing for a Heterogeneous Portfolio of Insurance Risks

    OpenAIRE

    Pantelous, Athanasios A.; Frangos, Nicholas E.; Zimbidis, Alexandros A.

    2009-01-01

    The paper revisits the classical problem of premium rating within a heterogeneous portfolio of insurance risks using a continuous stochastic control framework. The portfolio is divided into several classes where each class interacts with the others. The risks are modelled dynamically by the means of a Brownian motion. This dynamic approach is also transferred to the design of the premium process. The premium is not constant but equals the drift of the Brownian motion plus a controlled percent...

  8. 24 CFR 266.606 - Mortgage insurance premium: Duration and method of paying.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... AFFORDABLE MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.606 Mortgage insurance premium: Duration and method of paying. (a) Duration of payments. Mortgage insurance...

  9. [Vene impeerium ja Baltikum. Venestus, rahvuslus ja moderniseerimine 19. sajandi teisel poolel ja 20. sajandi alguses] / Olaf Mertelsmann

    Index Scriptorium Estoniae

    Mertelsmann, Olaf, 1969-

    2015-01-01

    Arvustus: Vene impeerium ja Baltikum : venestus, rahvuslus ja moderniseerimine 19. sajandi teisel poolel ja 20. sajandi alguses. II / koostanud Tõnu Tannberg ja Bradley Woodworth. Tartu : Eesti Ajalooarhiiv, 2010

  10. Eesti ja soome keele vastastikune mõistmine üksiksõna- ja tekstitasandil: lingvistilised tegurid, mõistmisprotsess ja sümmeetria

    Directory of Open Access Journals (Sweden)

    Annekatrin Kaivapalu

    2015-04-01

    Full Text Available Artiklis käsitletakse kirjaliku eesti ja soome keele vastastikust mõistmist üksiksõna- ja tekstitasandil. Eesmärk on selgitada, kas ja kuidas eesti- ja soomekeelsed keelekasutajad mõistavad oma emakeele põhjal lähedast sugulaskeelt ilma sihtkeele õppimis- ja kasutuskogemuseta ning mille poolest erineb üksiksõnade mõistmine tervikteksti mõistmisest. Mõistmistestide vastuste ja osalejate eneserefleksiooni analüüsi keskmes on kahe sihtkeele mõistmise võimalik sümmeetria ning mõistmisprotsessi mõjutavad tegurid. Tulemuste põhjal osutusid eestikeelsed keelekasutajad edukamaks üksiksõnatestis, eriti eesti ja soome keeles samatähenduslike kirjapildilt sarnaste sõnade ning laen- ja võõrsõnade mõistmisel, soomekeelsed keelekasutajad tervikteksti mõistmisel. Mõlema sihtkeele mõistmisel on otsustav keeltevahelise sarnasuse tunnetamine: toetutakse esmajoones eesti ja soome, aga ka muude varem õpitud keelte ja sihtkeele sarnasusele, seostades seda metalingvistiliste ja üldteadmistega ning kontrollides oletusi lause-, lõigu- ja tekstikontekstis. Kontekst toimib omalaadse filtrina, mis selekteerib keelekasutaja oletusi neid aktsepteerides või tagasi lükates. Mõistmisprotsessi komponentide jaotus ja suund varieeruvad indiviiditi ja sõltuvad paljuski osalejate varasematest teadmistest ja kogemustest.

  11. Price premium of organic salmon in Danish retail sale

    DEFF Research Database (Denmark)

    Ankamah Yeboah, Isaac; Nielsen, Max; Nielsen, Rasmus

    2016-01-01

    for organic salmon in Danish retail sale using consumer panel scanner data from households by applying a random effect hedonic price model that permits unobserved household heterogeneity. A price premium of 20% was identified for organic salmon. The magnitude of this premium is comparable to organic labeled...

  12. 77 FR 41048 - Health Insurance Premium Tax Credit; Correction

    Science.gov (United States)

    2012-07-12

    ... the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and... DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Part 1 [TD 9590] RIN 1545-BJ82 Health Insurance Premium Tax Credit; Correction AGENCY: Internal Revenue Service (IRS), Treasury. ACTION...

  13. Premium growth and its effect on employer-sponsored insurance.

    Science.gov (United States)

    Vistnes, Jessica; Selden, Thomas

    2011-03-01

    We use variation in premium inflation and general inflation across geographic areas to identify the effects of downward nominal wage rigidity on employers' health insurance decisions. Using employer level data from the 2000 to 2005 Medical Expenditure Panel Survey-Insurance Component, we examine the effect of premium growth on the likelihood that an employer offers insurance, eligibility rates among employees, continuous measures of employee premium contributions for both single and family coverage, and deductibles. We find that small, low-wage employers are less likely to offer health insurance in response to increased premium inflation, and if they do offer coverage they increase employee contributions and deductible levels. In contrast, larger, low-wage employers maintain their offers of coverage, but reduce eligibility for such coverage. They also increase employee contributions for single and family coverage, but not deductibles. Among high-wage employers, all but the largest increase deductibles in response to cost pressures.

  14. Impact of terrorism and political instability on equity premium: Evidence from Pakistan

    Science.gov (United States)

    MengYun, Wu; Imran, Muhammad; Zakaria, Muhammad; Linrong, Zhang; Farooq, Muhammad Umer; Muhammad, Shah Khalid

    2018-02-01

    The study quantifies the impact of terrorism and political instability on firm equity premium in Pakistan using panel data for 306 non-financial firms for the period 2001 to 2014. Other variables included are law & order, government regime change and financial crisis of 2007/08. The estimated results reveal that terrorism has statistically significant negative impact on firm equity premium in Pakistan. This result is robust with alternative equation specifications. The result also remains same when terrorism variable is replaced with external and internal conflict variables. Law & order variable has significant positive effect on firm equity premium, which implies that equity premium increases with the improvement in law & order situation in the country. Equity premium also increases with government stability and when there is democratic system in the country. The result also reveals that global financial crisis of 2007/08 negatively influenced the firm equity premium. The study suggests some policy implications.

  15. TYTÖNTYLLERÖ JA POJANJOLPPI SUOMESSA JA VIROSSA

    Directory of Open Access Journals (Sweden)

    Marja Leinonen

    2010-01-01

    Full Text Available Artikkel käsitleb deskriptiivset (koloratiivset nominaaltarindit eesti ja soome keeles, mille süntaktiline sõltuvussuhe on normaalsega vastupidine: atributiivne genitiiv väljendab referendi denotatiivset tähendust ja põhisõna kirjeldab seda. Kirjeldusega on tavaliselt seotud pejoratiivsed, hellitlevad või muul viisil hinnangulised nüansid. Artiklis tutvustatakse kõigepealt soome keele vastavaid uurimusi, seejärel selle artikli tarbeks kogutud materjali ning selle võrdlust indoeuroopa keelte süntaktiliselt ja semantiliselt sarnaste tarinditega. Lisaks tutvustatakse soome ja eesti keeles esinevat deskriptiivset verbaaltarindit, milles põhiverbi tähendust kannab infinitiiv, kusjuures deskriptiivverb (mida vahel nimetatakse ka ideofooniks on finiitses vormis.

  16. Interdependence of life insurance service quality and premium

    Directory of Open Access Journals (Sweden)

    Dragan Benazić

    2006-12-01

    Full Text Available Insurance companies in Croatia feel the need to find new sources of competitive advantage on the Croatian life insurance market amid increasing competition and a poorly profiled offer of life insurance services. Lately, both marketing literature and practice seem to point to the shaping of a relationship between service quality and price as a possible solution to improving the position of insurance companies on the Croatian market. In providing life insurance services, the insurance companies should focus on the quality elements that offer certain benefits a client is willing to pay for. Changes in individual quality features have been evaluated differently by clients. Such differences in their evaluation of changes in the individual elements of service quality also reflect the willingness of clients to pay a suitable increase on their insurance premium. Improvements in the service quality features that are subjectively evaluated as important should lead to the client’s acceptance of a higher life insurance premium. The paper considers the interdependence between the quality of life insurance services and the premium from the aspect of the client’s willingness to pay a higher life insurance premium for a higher service quality.

  17. 24 CFR 203.22 - Payment of insurance premiums or charges; prepayment privilege.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Payment of insurance premiums or... Underwriting Procedures Eligible Mortgages § 203.22 Payment of insurance premiums or charges; prepayment privilege. (a) Payment of periodic insurance premiums or charges. Except with respect to mortgages for which...

  18. 26 CFR 1.848-2 - Determination of net premiums.

    Science.gov (United States)

    2010-04-01

    ... reinsurance agreements with parties not subject to United States taxation) are treated separately and are... consideration includes— (i) Advance premiums; (ii) Amounts in a premium deposit fund or similar account, to the... parties not subject to United States taxation. (2) Net consideration determined by a ceding company—(i) In...

  19. 31 CFR 337.13 - Payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-07-01

    ... insurance premiums. When book-entry debentures are being purchased prior to maturity to pay for mortgage insurance premiums, the difference between the amount of the debentures purchased and the mortgage insurance... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Payment of mortgage insurance...

  20. TESTING FOR RISK PREMIUMS IN THE WHEAT-FLOUR SUBSECTOR

    OpenAIRE

    Cotterill, Ronald W.; Salih, Hachim M.

    1992-01-01

    This paper specifies a model of wholesale flour price determination that incorporates risk measures for input prices (wheat) and a joint output price (millfeed). Tests using daily price data for a Buffalo flour miller indicate that risk premiums do exist. Moreover, these premiums persist in a model that incorporates hedging.

  1. Decreasing relative risk premium

    DEFF Research Database (Denmark)

    Hansen, Frank

    2007-01-01

    such that the corresponding relative risk premium is a decreasing function of present wealth, and we determine the set of associated utility functions. We find a new characterization of risk vulnerability and determine a large set of utility functions, closed under summation and composition, which are both risk vulnerable...

  2. Superkangelased, kommertshiired ja sõjakad idaeurooplased / Joonas Sildre

    Index Scriptorium Estoniae

    Sildre, Joonas

    2003-01-01

    Rahvusvaheline koomiksifestival Berliinis 27.-31. VIII. Tuntumaid esinejaid - Roger Sabin. Näitused: "Ümber maailma 80 pildiga - rahvusvaheline koomiksikunst", "Kinderkids in Wonderland", "Miki ja Donaldi maailm läbi aegade", Art Spiegelmani "Kisses from New York", Helge Reumanni väljapanek. Eesti koomiks (Veiko Tammjärve, Joonas Sildre tööd) on esindatud Sloveenia koomiksikirjastuse Strip Core väljaannetes

  3. MODEL PERAMALAN KONSUMSI BAHAN BAKAR JENIS PREMIUM DI INDONESIA DENGAN REGRESI LINIER BERGANDA

    Directory of Open Access Journals (Sweden)

    Farizal

    2014-12-01

    Full Text Available Energy consumption forecasting, especially premium, is an integral part of energy management. Premium is a type of energy that receives government subsidy. Unfortunately, premium forecastings being performed have considerable high error resulting difficulties on reaching planned subsidy target and exploding the amount. In this study forecasting was conducted using multilinear regression (MLR method with ten candidate predictor variables. The result shows that only four variables which are inflation, selling price disparity between pertamanx and premium, economic growth rate, and the number of car, dictate premium consumption. Analsys on the MLR model indicates that the model has a considerable low error with the mean absolute percentage error (MAPE of 5.18%. The model has been used to predict 2013 primium consumption with 1.05% of error. The model predicted that 2013 premium consumption was 29.56 million kiloliter, while the reality was 29.26 million kiloliter.

  4. 5 CFR 890.502 - Withholdings, contributions, LWOP, premiums, and direct premium payment.

    Science.gov (United States)

    2010-01-01

    ... amount equal to the premiums for a pay period during which the employee was in a leave without pay (LWOP... for every pay period during which the enrollment continues, except for the 31-day temporary extension... 365 days. (1) An employee who is granted leave without pay (LWOP) under subpart L of part 630 of this...

  5. 75 FR 9247 - Single Family Mortgage Insurance Premium, Single Family

    Science.gov (United States)

    2010-03-01

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-13] Single Family Mortgage Insurance Premium, Single Family AGENCY: Office of the Chief Information Officer, HUD. ACTION: Notice... is soliciting public comments on the subject proposal. Lenders use the Single Family Premium...

  6. 29 CFR 778.204 - “Clock pattern” premium pay.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 3 2010-07-01 2010-07-01 false âClock patternâ premium pay. 778.204 Section 778.204 Labor... Excluded From the âRegular Rateâ Extra Compensation Paid for Overtime § 778.204 “Clock pattern” premium pay... pursuance of an applicable employment contract or collective bargaining agreement,” and the rates of pay and...

  7. Yritys X:n Kokous- ja juhlapalvelujen myyntitoimintojen ja markkinoinnin kehittäminen

    OpenAIRE

    Laivamaa, Minna; Rantala, Mari

    2009-01-01

    Yritys X:n Kokous- ja juhlapalvelut kuuluu pääkaupunkiseudulla toimivan yrityksen catering – palvelujen yksikköön. Kokous- ja juhlapalvelut myy pääsääntöisesti juhla- ja kokoustarjoiluja asiakkaiden omiin tiloihin, Kokous- ja juhlapalvelujen kautta vuokrattaviin tiloihin ja muihin ulkopuolisiin tiloihin. Asiakkaina ovat kaupungin eri virastot ja laitokset sekä niiden vieraat, ja yksityisen sektorin asiakkaina yritykset, yhteisöt sekä yksityishenkilöt. Toiminta on tällä hetkellä aktiivista,...

  8. Fixed-premium deposit insurance and international credit crunches

    OpenAIRE

    Mark M. Spiegel

    1996-01-01

    This article introduces a monopolistically competitive model of foreign lending in which both explicit and implicit fixed-premium deposit insurance increase the degree to which bank participation in relending to problem debtors falls below its globally optimal level. This provides a channel for fixed-premium deposit insurance to inhibit credit extension in bad states, resulting in an increase in the expected default percentage and an increase in the expected burden on the deposit insurance in...

  9. Mating motives are neither necessary nor sufficient to create the beauty premium.

    Science.gov (United States)

    Hafenbrädl, Sebastian; Dana, Jason

    2017-01-01

    Mating motives lead decision makers to favor attractive people, but this favoritism is not sufficient to create a beauty premium in competitive settings. Further, economic approaches to discrimination, when correctly characterized, could neatly accommodate the experimental and field evidence of a beauty premium. Connecting labor economics and evolutionary psychology is laudable, but mating motives do not explain the beauty premium.

  10. WOM ja eWOM : pankit ja negatiivinen eWOM

    OpenAIRE

    Stigzelius, Teemu

    2015-01-01

    Tämä opinnäytetyö käsittelee Word of Mouth ja electronic Word of Mouth –viestintää. Word of Mouthin tehokkuus perinteiseen markkinointiin on jo pitkään ollut yritysten ja tutkijoiden tiedossa. Internetin käytön yleistyminen avaa yrityksille uusia mahdollisuuksia edulliseen ja tehokkaaseen markkinointiin. Toisaalta se aiheuttaa yrityksille myös uusia uhkia mahdollisten negatiivisten viestien levitessä arvaamattomasti ja hallitsemattomasti verkossa. Opinnäytetyö on tehty osana NEMO-hanketta...

  11. 26 CFR 1.163-11T - Allocation of certain prepaid qualified mortgage insurance premiums (temporary).

    Science.gov (United States)

    2010-04-01

    ... insurance premiums (temporary). 1.163-11T Section 1.163-11T Internal Revenue INTERNAL REVENUE SERVICE... insurance premiums (temporary). (a) Allocation—(1) In general. As provided in section 163(h)(3)(E), premiums... section applies whether the qualified mortgage insurance premiums are paid in cash or are financed...

  12. The impact of HMO competition on private health insurance premiums, 1985-1992.

    Science.gov (United States)

    Wickizer, T M; Feldstein, P J

    1995-01-01

    A critical unresolved health policy question is whether competition stimulated by managed care organizations can slow the rate of growth in health care expenditures. We analyzed the competitive effects of health maintenance organizations (HMOs) on the growth in fee-for-service indemnity insurance premiums over the period 1985-1992 using premium data on 95 groups that had policies with a single, large, private insurance carrier. We used multiple regressions to estimate the effect of HMO market penetration on insurance premium growth rates. HMO penetration had a statistically significant (p market whose HMO penetration rate increased by 25% (e.g., from 10% to 12.5%), the real rate of growth in premiums would be approximately 5.9% instead of 7.0%. Our findings indicate that competitive strategies, relying on managed care, have significant potential to reduce health insurance premium growth rates, thereby resulting in substantial cost savings over time.

  13. The impact of instant reward programs and bonus premiums on consumer purchase behavior

    NARCIS (Netherlands)

    Minnema, Alec; Bijmolt, Tammo H. A.; Non, Marielle C.

    This study examines the impact of an instant reward program (IRP) with bonus premiums on consumer purchase behavior. An IRP is a rapidly growing form of short-term program that rewards consumers instantly with small premiums per fixed spending, where these premiums are part of a larger set of

  14. Ühinemise ja iseolemise vastuseis. Ideaalid ja reaalsus / Rein Tootmaa

    Index Scriptorium Estoniae

    Tootmaa, Rein

    2001-01-01

    Mängufilmid "Keiser ja palgamõrtsukas" ("Jing ke ci qin wang") : režissöör Chen Kaige : Jaapan-Hiina-Prantsusmaa 1999 ja "Tiiger ja draakon" ("Wo hu chang long") : režissöör Ang Lee : Hiina-Hongkong-Ameerika Ühendriigid 2000. Lisa : Aare Ermeli koostatud Chen Kaige ja Ang Lee loomingu lühikokkuvõtted. Kokkuvõte inglise keeles lk. 128

  15. 5 CFR 892.301 - How do I pay my premium?

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false How do I pay my premium? 892.301 Section 892.301 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Contributions and...

  16. The Phantom Gender Difference in the College Wage Premium

    Science.gov (United States)

    Hubbard, William H. J.

    2011-01-01

    A growing literature seeks to explain why so many more women than men now attend college. A commonly cited stylized fact is that the college wage premium is, and has been, higher for women than for men. After identifying and correcting a bias in estimates of college wage premiums, I find that there has been essentially no gender difference in the…

  17. Muusikaretk Ugandasse ja Venemaale

    Index Scriptorium Estoniae

    2009-01-01

    Uganda muusikute Joel Sebunjo ja Bukko Brite kontserdist sarja Muuilm ja Mõnda raames 20. okt. ja loengkontserdist "Venemaa muusikas ja ajas" (esinevad ajaloolane David Vseviov ja pianist Age Juurikas) 29. okt. Palamuse rahvamajas, esinejatest

  18. Modeling analysis of pulsed magnetization process of magnetic core based on inverse Jiles-Atherton model

    Science.gov (United States)

    Liu, Yi; Zhang, He; Liu, Siwei; Lin, Fuchang

    2018-05-01

    The J-A (Jiles-Atherton) model is widely used to describe the magnetization characteristics of magnetic cores in a low-frequency alternating field. However, this model is deficient in the quantitative analysis of the eddy current loss and residual loss in a high-frequency magnetic field. Based on the decomposition of magnetization intensity, an inverse J-A model is established which uses magnetic flux density B as an input variable. Static and dynamic core losses under high frequency excitation are separated based on the inverse J-A model. Optimized parameters of the inverse J-A model are obtained based on particle swarm optimization. The platform for the pulsed magnetization characteristic test is designed and constructed. The hysteresis curves of ferrite and Fe-based nanocrystalline cores at high magnetization rates are measured. The simulated and measured hysteresis curves are presented and compared. It is found that the inverse J-A model can be used to describe the magnetization characteristics at high magnetization rates and to separate the static loss and dynamic loss accurately.

  19. Markkinoinnin kehittäminen, Verkkomarkkinointi ja sosiaalinen media : JA-KI Muutto Oy

    OpenAIRE

    Kahanpää, Timo

    2015-01-01

    Tämän opinnäytetyön tavoitteena oli kehittää ja tehostaa helsinkiläisen muuttoalan yrityksen JA-KI Muutto Oy:n markkinointia verkossa ja siellä nimenomaan sosiaalisessa mediassa. Työn tavoitteena oli löytää ja tuoda esille keinoja ja kehittämisehdotuksia, joiden avulla markkinointia verkossa voitaisiin tehostaa entisestään. Opinnäytetyö tehtiin kehittämistehtävänä ja se jakautuu kahteen osaan: teoriaosaan ja kehittämisosaan. Teoriaosiossa käydään läpi eri lähteiden kautta ensin markkinoin...

  20. The marriage premium and compensating wage differentials.

    Science.gov (United States)

    Reed, W R; Harford, K

    1989-12-01

    This paper proposes and tests an alternative explanation of the marriage premium that relies upon differences in workers' tastes and compensating wage differentials. A key assumption is that marital status proxies for the consumption of family goods, such as children, and that these are costly. Workers whose greater demands for family goods are taste- generated and shown to choose jobs that offer greater wage, and less non-pecuniary compensation. This creates an observed wage premium that has nothing to do with differences in workers' productivities. Supporting empirical evidence for this hypothesis is presented, including a reevaluation of previous studies.

  1. Enhancing conservation, ecosystem services, and local livelihoods through a wildlife premium mechanism.

    Science.gov (United States)

    Dinerstein, Eric; Varma, Keshav; Wikramanayake, Eric; Powell, George; Lumpkin, Susan; Naidoo, Robin; Korchinsky, Mike; Del Valle, Christian; Lohani, Shubash; Seidensticker, John; Joldersma, Dirk; Lovejoy, Thomas; Kushlin, Andrey

    2013-02-01

    We propose the wildlife premium mechanism as an innovation to conserve endangered large vertebrates. The performance-based payment scheme would allow stakeholders in lower-income countries to generate revenue by recovering and maintaining threatened fauna that can also serve as umbrella species (i.e., species whose protection benefits other species with which they co-occur). There are 3 possible options for applying the premium: option 1, embed premiums in a carbon payment; option 2, link premiums to a related carbon payment, but as independent and legally separate transactions; option 3, link premiums to noncarbon payments for conserving ecosystem services (PES). Each option presents advantages, such as incentive payments to improve livelihoods of rural poor who reside in or near areas harboring umbrella species, and challenges, such as the establishment of a subnational carbon credit scheme. In Kenya, Peru, and Nepal pilot premium projects are now underway or being finalized that largely follow option 1. The Kasigau (Kenya) project is the first voluntary carbon credit project to win approval from the 2 leading groups sanctioning such protocols and has already sold carbon credits totaling over $1.2 million since June 2011. A portion of the earnings is divided among community landowners and projects that support community members and has added over 350 jobs to the local economy. All 3 projects involve extensive community management because they occur on lands where locals hold the title or have a long-term lease from the government. The monitoring, reporting, and verification required to make premium payments credible to investors include transparent methods for collecting data on key indices by trained community members and verification of their reporting by a biologist. A wildlife premium readiness fund would enable expansion of pilot programs needed to test options beyond those presented here. © 2012 Society for Conservation Biology.

  2. Stop-loss premiums under dependence

    NARCIS (Netherlands)

    Albers, Willem/Wim

    1999-01-01

    Stop-loss premiums are typically calculated under the assumption that the insured lives in the underlying portfolio are independent. Here we study the effects of small departures from this assumption. Using Edgeworth expansions, it is made transparent which configurations of dependence parameters

  3. Tietokoneen ja internetin viihde- ja hyötykäyttö kotona

    OpenAIRE

    Ollila, Teijo

    2012-01-01

    Tietokoneet ja internet on yhä tärkeämmässä asemassa jokaisen elämässä. Käytämme tietojenkäsittelyä tietämättämme asioidessamme muiden kanssa ja kun hoidamme jokapäiväisiä asioitamme. Tietokone ja internet ovat jossain määrin pakollisia jokaiselle kansalaiselle. Opinnäytetyön tarkoituksena on luoda helppokäyttöinen ja yksinkertainen opas tietokoneen hyöty- ja viihdekäyttöön kotona. Työssä tutkitaan tietokoneen ja internetin ominaisuuksia ja sovelluksia yleisluontoisesti. Opinnäytety...

  4. Draama ja lyhytelokuva sosiaalipedagogisen lapsi- ja nuorisotyön menetelminä

    OpenAIRE

    Koivuniemi, Roosa

    2013-01-01

    Toiminnallisessa opinnäytetyössämme tavoitteena oli tutkia ja kokeilla, miten draamalliset menetelmät toimivat lastensuojelulaitoksessa asuvan nuoren itsetunnon, itsensä ilmaisemisen ja sosiaalisten taitojen kehittäjänä. Selvitimme myös sitä, toimivatko nämä menetelmät lasten ja nuorten ajatusten ja tunteiden purkamisessa. Työskennellessämme lasten- ja nuorten parissa olemme huomanneet tarpeen näiden taitojen kehittämiselle. Järjestimme lastensuojelulaitoksessa asuville nuorille kuuden kuukau...

  5. SUUNTA JA MUUTOS. HAVAINTOJA VIRON JA SUOMEN LIIKEVERBEISTÄ

    Directory of Open Access Journals (Sweden)

    Hannu Tommola

    2010-01-01

    Full Text Available Suund ja muutumine. Tähelepanekuid eesti ja soome liikumisverbidest. Käesolevas artiklis püütakse selgitada eesti ja soome keele kõige sagedasemate liikumisverbide polüfunktsionaalsust. Soome keele tulla vastab küll põhitähenduses eesti verbile tulema, kuid ei väljenda lahkumist – seda väljendatakse soome keeles verbiga lähteä. Samuti erinevad meie keeled inhoatiivi väljendamises: soome keele kõige tavalisem muutumisverb on tulla, eesti keeles aga saama. Soome keele verbi jäädä ja eesti keele verbi jääma on vaadeldud liikumisverbidena nende võimaliku muutuse presupositsiooni tõttu. Jääma väljendab siiski ka seisundi tekkimise tähendust. See tähendus esineb soome verbil jääda vaid idioomides. Eesti keele jääma on näide polüseemia tüübist, mida on nimetatud enantioseemiaks (ühel ja samal lekseemil on vastandtähendused. Üks läänemeresoome liikumisverbide omapära näiteid on verb käydä/käima, mis võimaldab väljendada kahesuunalist liikumist. Soome ja eesti verbide põhitähendused on sarnased, aga kõigis kasutustes käydä ja käima ei kattu, sest käydä esineb ka muutumisverbina, eesti verbil see tähendus puudub. Lõpuks käsitletakse lühidalt idiomaatilisi väljendeid, nt. tuli kuntoon / meni pieleen ning läks korda/viltu.

  6. Premium Forecasting of an Insurance Company: Automobile Insurance

    OpenAIRE

    Fouladvand, M. Ebrahim; Darooneh, Amir H.

    2002-01-01

    We present an analytical study of an insurance company. We model the company's performance on a statistical basis and evaluate the predicted annual income of the company in terms of insurance parameters namely the premium, total number of the insured, average loss claims etc. We restrict ourselves to a single insurance class the so-called automobile insurance. We show the existence a crossover premium p_c below which the company is loss-making. Above p_c, we also give detailed statistical ana...

  7. Country Value Premiums and Financial Crises

    Directory of Open Access Journals (Sweden)

    Adam Zaremba

    2014-01-01

    Full Text Available The paper concentrates on the value premium across countries and contributes to the investment and asset pricing literature in three ways. First, I provide fresh evidence that the high-value countries perform significantly better than the low-value countries. Additionally, this phenomenon is indifferent to the choice of the computational currency, representative index or value indicator. Second, I demonstrate that the value effect can be successfully amplified by combining with country-level size and momentum effects. Third, I show that returns to the high-value countries deteriorate in financial crisis conditions, because the country-level value premium is negatively correlated with the credit spreads, TED spread and expected volatility. I examine data from 66 markets between years 2000 and 2013.

  8. 76 FR 40741 - Federal Housing Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs...

    Science.gov (United States)

    2011-07-11

    ... Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs, Health Care Facilities and... mortgage insurance premiums (MIPs) for FHA Multifamily Housing, Health Care Facilities, and Hospital... mortgage insurance regulation at 24 CFR 207.254 provides as follows: Notice of future premium changes will...

  9. The Value Premium on the Danish Stock Market

    DEFF Research Database (Denmark)

    Risager, Ole

    2005-01-01

    research on this issue. The purpose of this paper is to report evidence for the Danish stock market and to test whether the value premium is a genuine long-term feature of the market or just a phenomenon that pops up now and then. To research this issue we have collected accounting and stock market data......A number of influential studies have documented a strong value premium for US stocks over the period 1963 to 1990 (Fama and French (1992), Lakonishok et al. (1994)). Stocks with low price-earnings multiples, price-book values and other measures of value are reported to have given a higher mean...... return than the high multiple growth firms. Work by Basu (1997) and others have shown that the value dominance is also a feature of the earlier market history of the United States. The value premium is reported also to exist in a number of other countries over the period 1975 to 1995 (Fama and French...

  10. Romantikutest, armastusega ja ja halastuseta / Margit Tõnson

    Index Scriptorium Estoniae

    Tõnson, Margit, 1978-

    2010-01-01

    Kolmest suvelavastusest: Tiit Palu dramatiseering Gustave Flaubert'i teosest "Madame Bovary" Endla teatris, Marcel Pagnoli "Tuulesaared", lavastaja Maria Peterson - Theatrum ja MTÜ Arhipelaag Hiiumaal Tahkuna tuletorni all ja Eugene O'Neilli "Iha jalakate all", lavastaja Roman Baskin, MTÜ Kell Kümme Kurgjal Jakobsoni talumuuseumis

  11. 24 CFR 220.806 - Pro rata refund of insurance premium.

    Science.gov (United States)

    2010-04-01

    ... refund of insurance premium. Upon termination of loan insurance contract by a payment in full or by a... equal to the pro rata portion of the current annual loan insurance premium theretofore paid which is... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Pro rata refund of insurance...

  12. 75 FR 16645 - Increase in the Primary Nuclear Liability Insurance Premium

    Science.gov (United States)

    2010-04-02

    ... Primary Nuclear Liability Insurance Premium AGENCY: Nuclear Regulatory Commission. ACTION: Final rule... impractical. The NRC is amending its regulations to increase the primary premium for liability insurance... protection requirements and indemnity agreements to increase the primary nuclear liability insurance layer...

  13. Taking private labels upmarket : Empirical generalizations on category drivers of premium private label introductions

    NARCIS (Netherlands)

    Ter Braak, A.M.; Geyskens, I.; Dekimpe, M.G.

    Premium private labels (PLs) are considered one of the hottest trends in grocery retailing. Still, retailers do not feel the need to introduce premium PLs in every category. Generalizing across approximately 150 categories for six retailers from two countries that already carry premium PLs for

  14. 26 CFR 1.6050H-3T - Information reporting of mortgage insurance premiums (temporary).

    Science.gov (United States)

    2010-04-01

    ... Information reporting of mortgage insurance premiums (temporary). (a) Information reporting requirements. Any... section applies to the receipt of all payments of mortgage insurance premiums, by cash or financing... premiums is determined on a mortgage-by-mortgage basis. A recipient need not aggregate mortgage insurance...

  15. 38 CFR 8.4 - Deduction of insurance premiums from compensation, retirement pay, or pension.

    Science.gov (United States)

    2010-07-01

    ...' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Premiums § 8.4 Deduction of insurance premiums from compensation, retirement pay, or pension. The insured under a National Service life insurance policy which is not lapsed may authorize the monthly deduction of premiums from disability...

  16. Estimated value of insurance premium due to Citarum River flood by using Bayesian method

    Science.gov (United States)

    Sukono; Aisah, I.; Tampubolon, Y. R. H.; Napitupulu, H.; Supian, S.; Subiyanto; Sidi, P.

    2018-03-01

    Citarum river flood in South Bandung, West Java Indonesia, often happens every year. It causes property damage, producing economic loss. The risk of loss can be mitigated by following the flood insurance program. In this paper, we discussed about the estimated value of insurance premiums due to Citarum river flood by Bayesian method. It is assumed that the risk data for flood losses follows the Pareto distribution with the right fat-tail. The estimation of distribution model parameters is done by using Bayesian method. First, parameter estimation is done with assumption that prior comes from Gamma distribution family, while observation data follow Pareto distribution. Second, flood loss data is simulated based on the probability of damage in each flood affected area. The result of the analysis shows that the estimated premium value of insurance based on pure premium principle is as follows: for the loss value of IDR 629.65 million of premium IDR 338.63 million; for a loss of IDR 584.30 million of its premium IDR 314.24 million; and the loss value of IDR 574.53 million of its premium IDR 308.95 million. The premium value estimator can be used as neither a reference in the decision of reasonable premium determination, so as not to incriminate the insured, nor it result in loss of the insurer.

  17. Estimating dual deposit insurance premium rates and forecasting non-performing loans: Two new models

    OpenAIRE

    Yoshino, Naoyuki; Taghizadeh-Hesary, Farhad; Nili, Farhad

    2015-01-01

    Risky banks that endanger the stability of the financial system should pay higher deposit insurance premiums than healthy banks and other financial institutions that have shown good financial performance. It is necessary, therefore, to have at least a dual fair premium rate system. In this paper, we develop a model for calculating dual fair premium rates. Our definition of a fair premium rate in this paper is a rate that could cover the operational expenditures of the deposit insuring organiz...

  18. “Tuhansien laulujen maa” : maisema ja identiteetti 1980- ja 1990-lukujen suomenkielisessä rocklyriikassa

    Directory of Open Access Journals (Sweden)

    Susanna Laamanen

    2017-12-01

    Full Text Available Artikkelissa tutkitaan suomalaisen maiseman ja identiteetin kuvauksia suomenkielisessä rocklyriikassa vuosina 1980–1999. Aineisto muodostuu kahdestakymmenestä laulusta yhdeltätoista eri artistilta ja yhtyeeltä. Tutkimusmetodina käytetään temaattista sisällönanalyysiä. Kappaleiden ja niiden lyriikoiden tutkimus tuo lisätietoa Suomi-kuvan tutkimukseen ja nostaa esiin suomalaisen rockmusiikin äänen, joka on mukana ihmisten arjessa. Suomalainen rockmusiikki on osa suomalaista populaarikulttuuria ja kulttuurihistoriaa. Sillä on kyky uusintaa ja representoida Suomea ja suomalaisuutta. Aineiston kappaleiden maisema muodostuu pääkaupungin, pikkukaupunkien, luonnon ja maaseudun ympäristöistä. Kappaleissa ollaan välitilassa, yksikään ympäristö ei nouse johtavaksi teemaksi. Lyriikoissa uusinnetaan topeliaanista suomalaisuutta niin kestävyyden, sitkeyden, vapaudenhalun kuin kohtaloon alistumisen muodossa sekä suomalaisen kirjallisuuden ja iskelmän luontokuvauksen perinnettä. Sanoituksissa kommentoidaan agraarin ja urbaanin lähekkäin oloa, suomalaisen elämänmuodon ja identiteetin murrosta sekä 1990-luvun lamaa. Sanoitusten maisema ja identiteetti kietoutuvat subjektin tunteisiin ja tarinaan, universaaleihin aiheisiin rakkaudesta ja omasta eksistenssistä. Ne paljastavat, toisin kuin matkailumarkkinointi, Suomen ja suomalaisuuden säröt positiivisten asioiden ohella.

  19. The U.S. health insurance marketplace: are premiums truly affordable?

    Science.gov (United States)

    Graetz, Ilana; Kaplan, Cameron M; Kaplan, Erin K; Bailey, James E; Waters, Teresa M

    2014-10-21

    The Patient Protection and Affordable Care Act requires that individuals have health insurance or pay a penalty. Individuals are exempt from paying this penalty if the after-subsidy cost of the least-expensive plan available to them is greater than 8% of their income. For this study, premium data for all health plans offered on the state and federal health insurance marketplaces were collected; the after-subsidy cost of premiums for the least-expensive bronze plan for every county in the United States was calculated; and variations in premium affordability by age, income, and geographic area were assessed. Results indicated that-although marketplace subsidies ensure affordable health insurance for most persons in the United States-many individuals with incomes just above the subsidy threshold will lack affordable coverage and will be exempt from the mandate. Furthermore, young individuals with low incomes often pay as much as or more than older individuals for bronze plans. If substantial numbers of younger, healthier adults choose to remain uninsured because of cost, health insurance premiums across all ages may increase over time.

  20. Fair premium rate of the deposit insurance system based on banks' creditworthiness

    OpenAIRE

    Yoshino, Naoyuki; Taghizadeh-Hesary, Farhad; Nili, Farhad

    2017-01-01

    Purpose: Deposit insurance is a key element in modern banking, as it guarantees the financial safety of deposits at depository financial institutions. It is necessary to have at least a dual fair premium rate system based on the creditworthiness of financial institutions, as considering a singular premium system for all banks will have a moral hazard. In this paper, we develop a theoretical as well as an empirical model for calculating dual fair premium rates. Design/methodology/approach: Our...

  1. Suzuki ja Szilvay : meetodist ja individuaalsusest / Lembi Mets

    Index Scriptorium Estoniae

    Mets, Lembi

    2000-01-01

    23. ja 24. apr. esines Tallinnas ans. Helsingin Juniorijousten F-avain-sello-bassoryhmä. 3. mail esines Tallinnas keelpilliõpilaste orkester Suzuki Nordic String. Suzuki ja Szilvayde muusikaõpetuse meetoditest, nende erinevustest, kasutamisvõimalustest Eestis

  2. Viestintäverkkojen ja -palveluiden toimivuuden ja tietoturvallisuuden häiriönhallinta

    OpenAIRE

    Paananen, Rauli

    2017-01-01

    Yhteiskunnassa on käynnissä voimakas kaiken mahdollisen digitalisoiminen ja esimerkiksi kaikkia viranomaisia koskee velvollisuus sähköistää keskeiset palvelunsa kuluttajien saataville. Sähköinen asiointi, palveluiden kasvava määrä ja kuluttajien siirtyminen mobiili- ja verkkopalveluihin luo markkinoille uusia innovaatioita ja tuo kansalaisille arjen sujuvuutta hoitaa päivittäisiä asioitaan, ajasta ja paikasta riippumatta. Toisaalta yhteiskunnan toimivuus on entistä haavoittuvampi ja alttiimpi...

  3. Keha ja ihu, iha ja piin Augusti tantsufestivalil / Agni Lass

    Index Scriptorium Estoniae

    Lass, Agni

    2006-01-01

    Augusti Tantsufestivali etendustest Tallinna Kunstihoones ja Kanuti Gildi saalis - Horvaatia kunstirühmituse BAD co lavastus "Fleshdance", Nada Gambier "Confessions - the autopsy of a performance", Simone Aughterlony ja Thomas Wodianka projekt "Performers on Trial", Nürnbergi trupi "Fine. da capo", Shani Granot' ja Peter Foli "It's a small world"

  4. Võigas ja seletamatu tsirkus : kaasaja ja alateadvuse pained "Agent Sinikaelas" / Sven Vabar

    Index Scriptorium Estoniae

    Vabar, Sven

    2002-01-01

    Mängufilm "Agent Sinikael" : stsenaristid Marko Raat ja Andres Maimik : režissöör Marko Raat : operaator Arko Okk : helilooja Janek Murd : kunstnikud Margus Tammik ja Jaana Jüris : nimiosas Mait Malmsten : produtsendid Peeter Urbla ja Veiko Õunapuu : Exitfilm ja Suhkur Film, 2002

  5. Müüt "Illujanka ja Tešub" ja ezenpurulliyaš pidustused hetiidi religioosse ideoloogia ja kuningavõimu kontekstis. Mesopotaamia ja hatti mõjutused / Vladimir Sazanov

    Index Scriptorium Estoniae

    Sazanov, Vladimir, 1979-

    2011-01-01

    Anatoolias aset leidnud kevadise purulli pidustuste aegu deklameeritud lohetapmise motiivi sisaldava müüdi "Illujanka ja Tešub" tõlge ja kommentaarid ning võimalikest võõrmõjudest (Mesopotaamia ja hatti mõjudest) sellele müüdile

  6. Residential consumers in the Cape Peninsula's willingness to pay for premium priced green electricity

    International Nuclear Information System (INIS)

    Oliver, Henry; Volschenk, Jako; Smit, Eon

    2011-01-01

    A number of studies have explored the willingness (i.e. stated willingness as opposed to actual willingness) of consumers to pay a premium for green electricity in developed countries. However, little is known about how this translates into an emerging economy context. This study investigates the level of willingness of residential households in South Africa's Cape Peninsula to pay a premium for electricity from renewable energy. It methodologically drew on recent contributions in the literature on norm-motivated behaviour used to identify testable factors that could influence residential consumers' willingness to pay (WTP). Interestingly, the study found a significant positive link between household income and WTP for green electricity, contrary to the findings of some previous studies. Not only are higher income households more likely to pay a premium, but typically they are also willing to pay a bigger premium. It was also further established that the view that green electricity is reliable, involvement in the recycling of waste and the belief that everyone should contribute to green electricity generation drive the WTP. - Research Highlights: →The study explored the drivers of willingness to pay (WTP) a premium for green electricity. →All the hypothesised drivers of WTP a premium were found to be significant. →Contrary to some former studies, income was found to be a good predictor of WTP and the pledged premium. →The quantum of the premium positively correlates with income levels.

  7. Is there evidence that recent consolidation in the health insurance industry has adversely affected premiums?

    Science.gov (United States)

    Kopit, William G

    2004-01-01

    James Robinson suggests that recent consolidation in the insurance market has been a cause of higher health insurance prices (premiums). Although the recent consolidation among health insurers and rising premiums are indisputable, it is unlikely that consolidation has had any adverse effect on premiums nationwide, and Robinson provides no data that suggest otherwise. Specifically, he does not present data showing an increase in concentration in any relevant market during the past few years, let alone any resulting increase in premiums. Health insurance consolidation in certain local markets could adversely affect premiums, but it seems clear that it is not a major national antitrust issue.

  8. Do "premium" joint implants add value?: analysis of high cost joint implants in a community registry.

    Science.gov (United States)

    Gioe, Terence J; Sharma, Amit; Tatman, Penny; Mehle, Susan

    2011-01-01

    Numerous joint implant options of varying cost are available to the surgeon, but it is unclear whether more costly implants add value in terms of function or longevity. We evaluated registry survival of higher-cost "premium" knee and hip components compared to lower-priced standard components. Premium TKA components were defined as mobile-bearing designs, high-flexion designs, oxidized-zirconium designs, those including moderately crosslinked polyethylene inserts, or some combination. Premium THAs included ceramic-on-ceramic, metal-on-metal, and ceramic-on-highly crosslinked polyethylene designs. We compared 3462 standard TKAs to 2806 premium TKAs and 868 standard THAs to 1311 premium THAs using standard statistical methods. The cost of the premium implants was on average approximately $1000 higher than the standard implants. There was no difference in the cumulative revision rate at 7-8 years between premium and standard TKAs or THAs. In this time frame, premium implants did not demonstrate better survival than standard implants. Revision indications for TKA did not differ, and infection and instability remained contributors. Longer followup is necessary to demonstrate whether premium implants add value in younger patient groups. Level III, therapeutic study. See Guidelines for Authors for a complete description of levels of evidence.

  9. Zygmunt Bauman ja Rein Raud vestlesid kultuurist ja poliitikast

    Index Scriptorium Estoniae

    2014-01-01

    TLÜ Kultuuriteaduste ja kunstide doktorikooli kutsel Tallinnas viibinud sotsioloogi, Leedsi ülikooli emeriitprofessori Zygmunt Baumani ja TLÜ juhtivteadur Rein Raua vahel Kirjanike Liidu saalis toimunud avalikust vestlusest

  10. Mineviku, oleviku ja tuleviku dünaamikast Kristjan Raua vaadetes ja tegevuses / Elo-Hanna Seljamaa

    Index Scriptorium Estoniae

    Seljamaa, Elo-Hanna, 1980-

    2008-01-01

    Kristjan Raua vaadetest ja tegevusest kaasaegsete rahvuslike ideede ja taotluste taustal, viisist mõtestada ja suhestada rahvakunsti ja kujutavat kunsti, arendades nõnda rahvuslikku kunsti ja rahvuskultuuri ning tema loomingu ja ühiskondliku tegevuse vahelistest seostest

  11. Ability and Willingness to Pay Premium in the Framework of National Health Insurance System

    Directory of Open Access Journals (Sweden)

    Aulia Abdillah Ramadhan

    2015-12-01

    Full Text Available Background: The National Health Insurance is one of the government’s efforts to improve community access to health services. The government has fixed the premiums to be paid by community, except for underprivileged community. The aim of the study was to identify Ability to Pay (ATP and Willingness to Pay (WTP of the national health insurance premium. Methods: A descriptive study which involved 210 housewives who were chosen by rapid survey method was conducted from September to November 2013 in Cipacing village, Jatinangor, Sumedang, West Java. Data collection was using questionnaire to obtain level of ability and willingness to pay the health insurance premium. The results were compared to the required premium by the government (Rp 22,000,-. Results: Most of the respondents were only housewives, but there were still respondents who were private workers. Most of them were 20–39 years old. About 57.6% of the respondents were able to pay for the required premium, but Only 17.4% of the them were willing to pay according to the required premium. Conclusions: The ATP of the respondents are higher compared to the WTP, meaning that most of the respondents are able to pay the requires premium but are not willing to pay it.

  12. Estimating Premium Sensitivity for Children's Public Health Insurance Coverage: Selection but No Death Spiral

    Science.gov (United States)

    Marton, James; Ketsche, Patricia G; Snyder, Angela; Adams, E Kathleen; Zhou, Mei

    2015-01-01

    Objective To estimate the effect of premium increases on the probability that near-poor and moderate-income children disenroll from public coverage. Data Sources Enrollment, eligibility, and claims data for Georgia's PeachCare for Kids™ (CHIP) program for multiple years. Study Design We exploited policy-induced variation in premiums generated by cross-sectional differences and changes over time in enrollee age, family size, and income to estimate the duration of enrollment as a function of the effective (per child) premium. We classify children as being of low, medium, or high illness severity. Principal Findings A dollar increase in the per-child premium is associated with a slight increase in a typical child's monthly probability of exiting coverage from 7.70 to 7.83 percent. Children with low illness severity have a significantly higher monthly baseline probability of exiting than children with medium or high illness severity, but the enrollment response to premium increases is similar across all three groups. Conclusions Success in achieving coverage gains through public programs is tempered by persistent problems in maintaining enrollment, which is modestly affected by premium increases. Retention is subject to adverse selection problems, but premium increases do not appear to significantly magnify the selection problem in this case. PMID:25130764

  13. Ensiapuohjeistus ja -koulutus : Attendo Kilpiäisten palvelutalo ja hoivakoti Onnela

    OpenAIRE

    Lyytikäinen, Mari; Hakala, Lea

    2017-01-01

    Opinnäytetyö toteutettiin yhteistyössä kahden eri toimeksiantajan kanssa: Attendo Kilpiäisten palvelutalo Lahdessa ja Hoivakoti Onnela Iitissä. Palvelutalot ovat keskenään hyvin samantyyppiset, molemmissa palvelutaloissa tarjotaan tehostettua palveluasumista vanhuksille. Opinnäytetyön tavoitteena oli laatia palvelutalo-olosuhteisiin sopiva ensiapuohjeistus ja pitää henkilökunnalle ensiapukoulutuksia. Tarkoituksena oli yhtenäistää toimintaa ensiaputilanteissa ja tuoda niihin varmuutta ja jä...

  14. Monimuoto-opiskelijoiden ajanhallinta ja jaksaminen : kokemuksia perheen, työn ja opiskelun yhteensovittamisesta

    OpenAIRE

    Ranne, Satu-Maaret; Salminen, Piia

    2011-01-01

    Ranne Satu-Maaret ja Salminen Piia. Monimuoto-opiskelijoiden ajanhallinta ja jaksaminen - kuinka sovittaa yhteen perhe, työ ja opiskelu. Diakonia-ammattikorkeakoulun monimuoto-opiskelijoiden kokemuksia ajanhallinnasta ja jaksamisesta. Pori, kevät 2011, 34 s. Diakonia-ammattikorkeakoulu, Diak Länsi, Pori. Hoitotyön koulutusohjelma. Sairaanhoitaja (AMK). Opinnäytetyön tarkoituksena oli tutkia ammattikorkeakoulussa monimuotoisesti opiskelevien opiskelijoiden ajanhallintaa ja jaksamista: ...

  15. "Hariduse ja kasvatuse sõnaraamat"

    Directory of Open Access Journals (Sweden)

    Helin Puksand

    2014-11-01

    Full Text Available 2014. aastal ilmus viiekeelne "Hariduse ja kasvatuse sõnaraamat", milles on 4850 mõistet paljudelt hariduse ja kasvatuse aladelt: kasvatus ja areng, alusharidus, põhi- ja keskharidus, kutse- ja kõrgharidus, huviharidus, eripedagoogika, andragoogika, sotsiaalpedagoogika, didaktika, koolikorraldus, kasvatusteaduslik uurimistöö, pedagoogika ajalugu jne. Iga mõiste kohta on esitatud eesti, inglise, saksa, soome ja vene termin ning enamasti ka seletus. "Hariduse ja kasvatuse sõnaraamat" on mõeldud kõigile haridustöötajaile ja haridusvaldkonnast huvitatuile.

  16. 24 CFR 252.6 - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 252.6 Section 252.6 Housing and Urban Development Regulations Relating to Housing and..., AND BOARD AND CARE HOMES § 252.6 Method of payment of mortgage insurance premiums. The provisions of..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT...

  17. MCBS Highlights: Ownership and Average Premiums for Medicare Supplementary Insurance Policies

    Science.gov (United States)

    Chulis, George S.; Eppig, Franklin J.; Poisal, John A.

    1995-01-01

    This article describes private supplementary health insurance holdings and average premiums paid by Medicare enrollees. Data were collected as part of the 1992 Medicare Current Beneficiary Survey (MCBS). Data show the number of persons with insurance and average premiums paid by type of insurance held—individually purchased policies, employer-sponsored policies, or both. Distributions are shown for a variety of demographic, socioeconomic, and health status variables. Primary findings include: Seventy-eight percent of Medicare beneficiaries have private supplementary insurance; 25 percent of those with private insurance hold more than one policy. The average premium paid for private insurance in 1992 was $914. PMID:10153473

  18. 24 CFR 255.6 - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 255.6 Section 255.6 Housing and Urban Development Regulations Relating to Housing and... PROJECTS § 255.6 Method of payment of mortgage insurance premiums. The provisions of 24 CFR 251.6 shall..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT...

  19. Effects of public premiums on children's health insurance coverage: evidence from 1999 to 2003.

    Science.gov (United States)

    Kenney, Genevieve; Hadley, Jack; Blavin, Fredric

    This study uses 2000 to 2004 Current Population Survey data to examine the effects of public premiums on the insurance coverage of children whose family incomes are between 100% and 300% of the federal poverty level. The analysis employs multinomial logistic models that control for factors other than premium costs. While the magnitude of the estimated effects varies across models, the results consistently indicate that raising public premiums reduces enrollment in public programs, with some children who forgo public coverage having private coverage instead and others being uninsured. The results indicate that public premiums have larger effects when applied to lower-income families.

  20. Optimal dynamic premium control in non-life insurance. Maximizing dividend pay-outs

    DEFF Research Database (Denmark)

    Højgaard, Bjarne

    2002-01-01

    In this paper we consider the problem of finding optimal dynamic premium policies in non-life insurance. The reserve of a company is modeled using the classical Cramér-Lundberg model with premium rates calculated via the expected value principle. The company controls dynamically the relative safety...... loading with the possibility of gaining or loosing customers. It distributes dividends according to a 'barrier strategy' and the objective of the company is to find an optimal premium policy and dividend barrier maximizing the expected total, discounted pay-out of dividends. In the case of exponential...

  1. Geographic variation in premiums in health insurance marketplaces.

    Science.gov (United States)

    Barker, Abigail R; McBride, Timothy D; Kemper, Leah M; Mueller, Keith

    2014-08-01

    This policy brief analyzes the 2014 premiums associated with qualified health plans (QHPs) made available through new health insurance marketplaces (HIMs), an implementation of the Patient Protection and Affordable Care Act (ACA) of 2010. We report differences in premiums by insurance rating areas while controlling for other important factors such as the actuarial value of the plan (metal level), cost-of-living differences, and state-level decisions over type of rating area. While market equilibrium, based on experience and understanding of the characteristics of the new market, should not be expected this soon, preliminary results give policymakers key issues to monitor.

  2. Estimating the market premium in short term interest rates

    OpenAIRE

    Hansen, Hans Fredrik

    2006-01-01

    Looking at the term structure in the interest rate market one can’t help notice the evident market premium above the central banks target rate. What factors might decide this premium? By using different variations of simple regression models we see that the model is constantly lagging the real time series. Acknowledging the fact that market clearings often are subject to several equations; we’re better able to develop a sensible model using a simultaneous equilibrium model. The multiple equat...

  3. Fideo ja Vilm Pärnus

    Index Scriptorium Estoniae

    1999-01-01

    Pärnu Fideo- ja Vilmifestival 2.-3. apr. Muuseumi Aidas. Margus Tiitsmaa ja Sütevaka Andrese performance'test. Jasper Zoova ja Erno Võsa installatsioonist "Eesti mehe ja naise identifitseerimise masin". Taivani kunstniku Eliza Lin'i fotoinstallatsioonist ja videost

  4. Experience Studies on Determining Life Premium Insurance Ratings: Practical Approaches

    Directory of Open Access Journals (Sweden)

    Mirela CRISTEA

    2008-01-01

    Full Text Available The focus of this article is to present the modelling tehcniques used on international practice in the evaluation of right life premiums based. The knowledge and models obtained have a common element of mortality risk indicators but these are varied in different parts of the world. The common elements of these studies and models are generally based on a series of indicators which mainly point out their probability of survival and they are named the mortality indicators. These indicators represent the basis for the calculation of the premiums quotes and for the elaboration by the insurers of premium tables. The benefit for the policyholder is to obtain insurance at a fair and competitive price and for the insurer, to maintain the experience of its portfolio in line with mortality assumptions.

  5. Growth and variability in health plan premiums in the individual insurance market before the Affordable Care Act.

    Science.gov (United States)

    Gruber, Jonathan

    2014-06-01

    Before we can evaluate the impact of the Affordable Care Act on health insurance premiums in the individual market, it is critical to understand the pricing trends of these premiums before the implementation of the law. Using rates of increase in the individual insurance market collected from state regulators, this issue brief documents trends in premium growth in the pre-ACA period. From 2008 to 2010, premiums grew by 10 percent or more per year. This growth was also highly variable across states, and even more variable across insurance plans within states. The study suggests that evaluating trends in premiums requires looking across a broad array of states and plans, and that policymakers must examine how present and future changes in premium rates compare with the more than 10 percent per year premium increases in the years preceding health reform.

  6. 5 CFR 892.102 - What is premium conversion and how does it work?

    Science.gov (United States)

    2010-01-01

    ...) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS... FEHB insurance premium. If you are a participant in the premium conversion plan, Section 125 of the...

  7. 29 CFR 778.205 - Premiums for weekend and holiday work-example.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 3 2010-07-01 2010-07-01 false Premiums for weekend and holiday work-example. 778.205....205 Premiums for weekend and holiday work—example. The application of section 7(e)(6) may be illustrated by the following example: Suppose an agreement of employment calls for the payment of $7.50 an...

  8. Kunstnik ja tema kodu : Carl Timoleon von Neff Piira ja Muuga mõisas / Ants Hein

    Index Scriptorium Estoniae

    Hein, Ants, 1952-

    2004-01-01

    Ateljeedest Euroopas alates 15. sajandist ja Eestis alates 19. sajandist. Pikemalt Julius Kleveri ja Otto Moelleri ateljeest. Maalikunstnik Carl Timoleon von Neffi elust ja loomingust, kunsti kollektsioneerimisest. Piira ja Muuga mõisahoonest, plaanid, sise- ja välisvaated

  9. Eesti keeleuuenduse ja itaalia "questione della lingua" paralleelid ja põimumised / Daniele Monticelli

    Index Scriptorium Estoniae

    Monticelli, Daniele, 1970-

    2009-01-01

    Itaalia keele korraldamisel ja uuendamisel osalenud teadlaste ja kirjanike retoorikast, argumenteerimise strateegiatest ja keelekorralduse teoreetilistest alustest, kõrvutades neid eesti keeleuuenduse analoogsete aspektidega

  10. The case for risk-based premiums in public health insurance.

    Science.gov (United States)

    Zweifel, Peter; Breuer, Michael

    2006-04-01

    Uniform, risk-independent insurance premiums are accepted as part of 'managed competition' in health care. However, they are not compatible with optimality of health insurance contracts in the presence of both ex ante and ex post moral hazard. They have adverse effects on insurer behaviour even if risk adjustment is taken into account. Risk-based premiums combined with means-tested, tax-financed transfers are advocated as an alternative.

  11. Association between rising professional liability insurance premiums and primary cesarean delivery rates.

    Science.gov (United States)

    Murthy, Karna; Grobman, William A; Lee, Todd A; Holl, Jane L

    2007-12-01

    To estimate the association between changes in Illinois professional liability premiums for obstetrician-gynecologists and singleton primary cesarean delivery rates. Data from the National Center for Health Statistics were used to identify all singleton births between 37 weeks and 44 weeks of gestation occurring in Illinois from 1998 through 2003. Primary cesarean delivery rates for women delivered between 37 weeks and 44 weeks of gestation per 1,000 gravid women eligible to have a primary cesarean delivery were calculated for each Illinois county. The annual medical professional liability premium for each county in Illinois was represented by the reported professional liability insurance rate charges (adjusted to 2004 dollars) from the ISMIE Mutual Insurance Company. Separate analyses were conducted for nulliparous and multiparous women. The independent association between county-level primary cesarean delivery rates and the previous year's insurance premiums was evaluated using linear regression models. During the study period, 817,521 women were eligible for inclusion in the analysis. The county-level mean primary cesarean delivery rate increased from 126 to 163 per 1,000 (Pinsurance premiums also rose significantly (from $60,766 in 1997 to $83,167 in 2002, Pinsurance premium increase, the primary cesarean delivery rate increased by 15.7 per 1,000 for nulliparous women. This association also was evident for multiparous women, who had an increase in cesarean deliveries of 4.7 per 1,000 for every $10,000 increase. Higher rates of primary cesarean delivery are associated with increased medical professional liability premiums for obstetrician-gynecologists in Illinois. II.

  12. [Vene impeerium ja Baltikum: venestus, rahvuslus ja moderniseerimine 19. sajandi teisel poolel ja 20. sajandi alguses. 1] / Toomas Karjahärm

    Index Scriptorium Estoniae

    Karjahärm, Toomas, 1944-

    2010-01-01

    Arvustus: Vene impeerium ja Baltikum : venestus, rahvuslus ja moderniseerimine 19. sajandi teisel poolel ja 20. sajandi alguses. I / koostanud Tõnu Tannberg, Bradley Woodworth. Eesti Ajalooarhiivi toimetised ; 16 (23). (Tartu : Eesti Ajalooarhiiv, 2009)

  13. Economic analysis of price premiums in the presence of non-convexities. Evidence from German electricity markets

    Energy Technology Data Exchange (ETDEWEB)

    Paschmann, Martin

    2017-11-15

    Analyzing price data from sequential German electricity markets, namely the day-ahead and intraday auction, a puzzling but apparently systematic pattern of price premiums can be identified. The price premiums are highly correlated with the underlying demand profile. As there is evidence that widespread models for electricity forward premiums are not applicable to the market dynamics under analysis, a theoretical model is developed within this article which reveals that non-convexities in only a subset of sequential markets with differing product granularity may cause systematic price premiums at equilibrium. These price premiums may be bidirectional and reflect a value for additional short-term power supply system flexibility.

  14. Economic analysis of price premiums in the presence of non-convexities. Evidence from German electricity markets

    International Nuclear Information System (INIS)

    Paschmann, Martin

    2017-01-01

    Analyzing price data from sequential German electricity markets, namely the day-ahead and intraday auction, a puzzling but apparently systematic pattern of price premiums can be identified. The price premiums are highly correlated with the underlying demand profile. As there is evidence that widespread models for electricity forward premiums are not applicable to the market dynamics under analysis, a theoretical model is developed within this article which reveals that non-convexities in only a subset of sequential markets with differing product granularity may cause systematic price premiums at equilibrium. These price premiums may be bidirectional and reflect a value for additional short-term power supply system flexibility.

  15. 12 CFR 329.103 - Premiums.

    Science.gov (United States)

    2010-01-01

    ... interest as defined in § 329.1(c). (a) Premiums, whether in the form of merchandise, credit, or cash, given... the balance in a demand deposit account and the duration of the account balance shall not be considered the payment of interest on a demand deposit account and shall not be subject to the limitations in...

  16. 5 CFR 892.202 - Are retirees eligible for the premium conversion plan?

    Science.gov (United States)

    2010-01-01

    ... conversion plan? 892.202 Section 892.202 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Eligibility and Participation § 892.202 Are retirees eligible for the premium conversion plan? No...

  17. 5 CFR 892.201 - Who is covered by the premium conversion plan?

    Science.gov (United States)

    2010-01-01

    ... plan? 892.201 Section 892.201 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Eligibility and Participation § 892.201 Who is covered by the premium conversion plan? (a) All...

  18. 26 CFR 1.822-11 - Net premiums.

    Science.gov (United States)

    2010-04-01

    ... TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1...

  19. 26 CFR 1.823-1 - Net premiums.

    Science.gov (United States)

    2010-04-01

    ... TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1...

  20. 26 CFR 1.823-4 - Net premiums.

    Science.gov (United States)

    2010-04-01

    ... TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1...

  1. Business Cycle and Risk Premium in the Colombian Stock Market

    Directory of Open Access Journals (Sweden)

    Andrés Mauricio Gómez Sánchez

    2013-11-01

    Full Text Available Through the Hodrick-Prescott methodology this paper presents a review about the relationship between the ex post risk premium of the stock market and business cycles observed in Colombia. Through quarterly information from the fourth quarter of 2001 to the third quarter of 2012, statistical evidence shows that the increase and decrease of ex post risk premium follow a countercyclical behavior in tune with existing research conducted about the United States and emerging economies, although with non-contemporary relationships with private consumption. In addition, it is found that in the last decade the Colombian risk premium follows a process of Auto Regressive Moving Average Models (ARMA, showing that there is no variation in at least two consecutive quarters and whose behavior is generated in part by external events at the domestic economic activity level experienced in near past periods.

  2. Videvikuvaevused ja kehakaemused / Kairi Prints

    Index Scriptorium Estoniae

    Prints, Kairi, 1977-

    2011-01-01

    Nüüdistanstulavastusest "Penombre" ("Videvik"), lavastaja stsenarist, koreograaf ja esitaja Rosalba Torres Guerrero, video autor, stsenarist ja esitaja Lucas Racasse. Etendused 2. ja 3. augustil NO99 Põhuteatris. Tallinna Ülikooli kaasaegse tantsu dotsent ja tantsuteatri Fine5 koreograaf Tiina Ollesk selgitab Rosalba Torres Guerrero liikumise tausta ja tähendust

  3. Traditsiooniliselt ja pluralistlikult / Epp Annus

    Index Scriptorium Estoniae

    Annus, Epp, 1969-

    1996-01-01

    Nüpli kevadkool (seminari 'Traditsioon ja pluralism' järg põhirõhuga kirjandusloole), korraldajateks Underi ja Tuglase Kirjanduskeskus, Eesti Kirjandusmuuseum ja Tartu Ülikooli eesti kirjandusloo uurimisgrupp. Ettekanded: Loone Ots. Kuninganna jalad ehk Non sciunt, se scient. Eesti kirjandust välistudengitele; Kristi Metste. Tubli pioneer Kampmaa; Peep Ehasalu. 'Kiired' ja soomlased; Sirje Olesk. Kodu- ja väliseesti kahekõne 1950.-1960. aastatel; Marin Laak. Kriitikateos kirjandusloos : näide 1924. aastast (Valmar Adamsi arvustus Jaan Kärneri romaani 'Bianka ja Ruth' puhul); Ene-Reet Soovik. Koed, põimed ja takerdused : Ants Orase tõlkekriitikast ja -praktikast; Epp Annus. Anakroonilised võitlused romaanis 'Tõde ja õigus'; Luule Epner. Kahe 'Libahundi' vahel : draama ja teater 1960.-70ndate vahetusel, põikega proosasse; Toomas Liivamägi. Mõned vulgariseeringud (20. sajandi modernism energia jäävuse seadusest lähtudes); Toomas Muru. Paabeli torn ja Gooti katedraal; Aare Pilv. Kirjandusloolisus kui hoiak; Indrek Särg - Sven Kivisildnik. Eesti gayluule järjekordne algus; Rutt Hinrikus. Reed Morn, andekas parasiit; Kajar Pruul. Ühe kunstiteose analüüs (Sven Kivisildniku luuletus 'Eesti Nõukogude Kirjanike Liit'); Ele Süvalep. Modernist Jaan Oks

  4. Animaalselt ja humaanselt / Karlo Funk

    Index Scriptorium Estoniae

    Funk, Karlo, 1971-

    1998-01-01

    Esilinastus 6 animafilmi : "Vares ja hiired", autorid Priit Tender ja Mikk Rand; "Just märried", autor Peep Pedmanson; "Päevavalgus", autor Mait Laas; "Tom ja Fluffy", režissöörid Janno Põldma ja Heiki Ernits; "Bermuda", autor Ülo Pikkov; "Primavera", režissöörid Riho Unt ja Hardi Volmer

  5. Eettinen ja arvojohtaminen johtamisessa

    OpenAIRE

    Hallamaa, Taru

    2010-01-01

    Tämän opinnäytetyön aiheena oli eettinen ja arvojohtaminen organisaatiossa. Tarkoituksena oli selvittää, mitä on eettinen johtaminen ja arvojohtaminen, ja miten ne liittyvät aikaisempiin johtamiskäsityksiin ja -menetelmiin. Lisäksi tarkoituksena oli saada selville, miten eettistä ja arvojohtamista voidaan käyttää arkipäivän johtamisessa hyväksi, sekä miten nämä voidaan ottaa käyttöön yksittäisessä organisaatiossa. Tarkastelussa kiinnitettiin huomiota myös siihen, mikä merkitys näillä johtamis...

  6. Energia ja sisekliima labor aitab parandada arhitektide ja inseneride koostööd / Hendrik Voll

    Index Scriptorium Estoniae

    Voll, Hendrik, 1980-

    2010-01-01

    TTÜ ehitusteaduskonna kütte ja ventilatsiooni õppetoolis valmis energia ja sisekliima labor, mille spetsiaalsed päikesekiirguse ja hajuvalguse stendid aitavad inseneridel ja arhitektidel parandada energiasimulatsiooniprogrammide kasutusoskusi

  7. Suurkiskja- ja kotkakahju ennetamise meetmed Eesti ja Soome saartel ning rannikualadel / T. Otstavel

    Index Scriptorium Estoniae

    Otstavel, Teet, 1964-

    2013-01-01

    Uuring käsitleb Eesti ja Soome rannikualade ja saarte loomakasvatajate võimalusi suurendada karjamaadel kaitset suurkiskjate ja merikotkaste vastu ning kasutada suurkiskjate rünnakute ennetamise meetmeid, eelkõige karjavalvekoeri

  8. 5 CFR 550.1409 - Inapplicability of premium pay and aggregate pay caps.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Inapplicability of premium pay and aggregate pay caps. 550.1409 Section 550.1409 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL... Inapplicability of premium pay and aggregate pay caps. Accrued compensatory time off under this subpart is not...

  9. Parisuhdemuodon vaikutus perimykseen ja verotukseen

    OpenAIRE

    Paviala, Katriina

    2016-01-01

    Tässä opinnäytteessä tutkittiin parisuhdemuodon vaikutusta perimykseen ja verotukseen. Päätarkoituksena oli koota yhteen avioliiton verohyödyt ja tuoda esiin avo- ja avioliiton erot verotuksen ja perimyksen näkökulmasta. Tavoitteena oli, että työn luettuaan lukijalla on selkeä käsitys avioliiton eduista perimyksessä ja verotuksessa. Tutkimusmenetelmänä käytettiin kvalitatiivisia menetelmiä ja lainopillisia keinoja. Laadullisista tutkimusmenetelmistä hyödynnettiin tapaustutkimusta. Lähdemat...

  10. Approximations for stop-loss reinsurance premiums

    NARCIS (Netherlands)

    Reijnen, Rajko; Albers, Willem/Wim; Kallenberg, W.C.M.

    2005-01-01

    Various approximations of stop-loss reinsurance premiums are described in literature. For a wide variety of claim size distributions and retention levels, such approximations are compared in this paper to each other, as well as to a quantitative criterion. For the aggregate claims two models are

  11. Laatu- ja validointitoiminta elintarviketeollisuudessa

    OpenAIRE

    Vanhatalo, Heidi

    2017-01-01

    Opinnäytetyö laadittiin Zeus Tech Oy:n toimeksiannosta. Zeus Tech Oy tuottaa validointi-, mittaus-, testaus- ja laadunvarmistuspalveluja lääke- ja bioteollisuuden, sekä elintarviketeollisuuden alojen toimijoille. Tarkoituksena oli selvittää laatu- ja validointitoiminnan kehittämiskohteita elintarviketeollisuudessa. Opinnäytetyön teoriaosuudessa käsitellään laatua, laadunvalvontaa ja -hallintaa, sekä validointia elintarviketeollisuudessa. Työn kokeellisessa osuudessa luotiin kyselytutkimus...

  12. JaSTA-2: Second version of the Java Superposition T-matrix Application

    Science.gov (United States)

    Halder, Prithish; Das, Himadri Sekhar

    2017-12-01

    In this article, we announce the development of a new version of the Java Superposition T-matrix App (JaSTA-2), to study the light scattering properties of porous aggregate particles. It has been developed using Netbeans 7.1.2, which is a java integrated development environment (IDE). The JaSTA uses double precision superposition T-matrix codes for multi-sphere clusters in random orientation, developed by Mackowski and Mischenko (1996). The new version consists of two options as part of the input parameters: (i) single wavelength and (ii) multiple wavelengths. The first option (which retains the applicability of older version of JaSTA) calculates the light scattering properties of aggregates of spheres for a single wavelength at a given instant of time whereas the second option can execute the code for a multiple numbers of wavelengths in a single run. JaSTA-2 provides convenient and quicker data analysis which can be used in diverse fields like Planetary Science, Atmospheric Physics, Nanoscience, etc. This version of the software is developed for Linux platform only, and it can be operated over all the cores of a processor using the multi-threading option.

  13. 12 CFR 221.122 - Applicability of margin requirements to credit in connection with Insurance Premium Funding...

    Science.gov (United States)

    2010-01-01

    ... in connection with Insurance Premium Funding Programs. 221.122 Section 221.122 Banks and Banking...) Interpretations § 221.122 Applicability of margin requirements to credit in connection with Insurance Premium... with insurance premium funding programs. The inquiries are included in a set of guidelines in the...

  14. 77 FR 21580 - Changes in Certain Multifamily Housing and Health Care Facility Mortgage Insurance Premiums for...

    Science.gov (United States)

    2012-04-10

    ... Multifamily Housing and Health Care Facility Mortgage Insurance Premiums for Fiscal Year (FY) 2013 AGENCY...: In accordance with HUD regulations, this notice announces changes of the mortgage insurance premiums... mortgage. The mortgage insurance premiums to be in effect for FHA firm commitments issued or reissued in FY...

  15. Õpetajate-õpilaste interaktsioon ja sisuloome suhtlusportaalides: õpetajate arvamused ja kogemused

    Directory of Open Access Journals (Sweden)

    Sandra Räim

    2014-11-01

    Full Text Available Artikli eesmärk on anda ülevaade õpetajate arvamustest ja kogemustest, mis puudutavad õpetajate ja õpilaste interaktsiooni ja sisuloomet suhtlusportaalides. Fookusgrupi intervjuudes nelja kooli keskkooliõpetajatega (N = 21 uuriti, milliseid erinevusi on õpetajad täheldanud enda ja õpilaste loodud veebisisus ning millistel juhtudel ja mil viisil on õpetajad pidanud vajalikuks õpilaste suhtlusportaalide postitustele reageerida. Muu hulgas sooviti teada, millistele alustele tugineb õpetaja-õpilase suhtlusportaali sõprus ning kas õpetajad tunnevad vajadust sotsiaalmeedia suhtlust suunavate käitumisjuhiste järele. Intervjuude kvalitatiivsest sisuanalüüsist nähtub, et õpetajate arvates jagavad õpilased suhtlusportaalides liigselt privaatset infot, mistõttu pidasid nad enda kohuseks ebasobivaid postitusi märgates õpilaste sisuloomesse sekkuda. Õpetajad võtsid ka suhtlusportaalides endale õpilaste harija ja mentori rolli ning soovisid oma veebikäitumisega pakkuda eeskuju, samas ei adunud nad täiel määral õpetaja-õpilase veebisuhtluse võimalikke tagajärgi. Õpetaja-õpilase veebisuhtlust reguleerivate käitumisjuhiste järele aga vajadust ei nähtud. Uuringu tulemused viitavad veebisisu loomega kaasnevatele põlvkondlikele erinevustele ning avavad õpetajate-õpilaste probleeme suhtlusportaali auditooriumi tajumisel. Summary

  16. Lapsed ja digikultuur / Katrin Kuusik

    Index Scriptorium Estoniae

    Kuusik, Katrin

    2015-01-01

    Vestlusest TLÜ BFMi koolitusjuhi ja laste filmikooli juhendajaga tema poolt laste ja õpetajatega läbi viidud hariduslikest projektidest, mille eesmärgiks on tutvustada ja rakendada erinevaid filmi ja animatsiooni nippe koolitöös

  17. KEHONKUVA JA MEDIA : 9.-luokkalaisten tyttöjen kehonkuva ja median vaikutus siihen

    OpenAIRE

    Vainionpää, Charlotta; Koski, Riikka

    2016-01-01

    Tämän tutkimuksen aiheena oli kehonkuva ja media: 9.-luokkalaisten tyttöjen kehonkuva ja median vaikutus siihen. Tutkimuksen tarkoituksena oli selvittää minkälaisena tytöt kokevat oman kehonkuvansa, minkälaisia ulkonäköpaineita tytöillä on ja miten media vaikuttaa heidän kehonkuvaansa. Työn teoreettisessa viitekehyksessä pääkäsitteet olivat nuoruus, kehonkuva ja media. Nuoruus-osiossa käsiteltiin nuoruuden määrittelyn lisäksi murrosikää ja murrosiän fyysisiä sekä psyykkisiä muutoksia. Keh...

  18. Kangelane ja kaabakas: kuulsad kuningad muistse LähisIda ja Kreeka pärimustes / Mait Kõiv

    Index Scriptorium Estoniae

    Kõiv, Mait, 1961-

    2015-01-01

    Mesopotaamia, Pärsia ja Vana-Kreeka kolmest olulisest dünastiast. Akkadi kuningatest - Sargon'ist ja Naram-Sin'ist, Pärsia kuningatest Kyros'est ja Kambyses'est. Korintose türannidest Kypselos'est ja Periandros'est. Pärimuse tagamaadest: müütidest, propagandast ja reaalsusest. Dünastia rajaja kujutamisest kangelasena ja dünastia viimase esindaja demoniseerimisest

  19. 29 CFR 825.212 - Employee failure to pay health plan premium payments.

    Science.gov (United States)

    2010-07-01

    ... Family and Medical Leave Act § 825.212 Employee failure to pay health plan premium payments. (a)(1) In... obligations to maintain health insurance coverage cease under FMLA if an employee's premium payment is more... an employee's insurance in accordance with this section and fails to restore the employee's health...

  20. Tax and the Use of Historic Returns in Estimating the Equity Risk Premium

    OpenAIRE

    Armitage, Seth

    1998-01-01

    The paper analyses the use of a historic risk premium as a proxy for the current premium allowing current tax rates to differ from historic rates. If tax rates are assumed constant, adjustments to the CAPM for an imputation system make the CAPM and cash flows to be discounted consistently with respect to tax, but do not model any effect of tax on the cost of equity. If tax rates are allowed to vary and a historic premium is used, the cost of equity is affected by the level of tax at which inv...

  1. Calculation of benefit reserves based on true m-thly benefit premiums

    Science.gov (United States)

    Riaman; Susanti, Dwi; Supriatna, Agus; Nurani Ruchjana, Budi

    2017-10-01

    Life insurance is a form of insurance that provides risk mitigation in life or death of a human. One of its advantages is measured life insurance. Insurance companies ought to give a sum of money as reserves to the customers. The benefit reserves are an alternative calculation which involves net and cost premiums. An insured may pay a series of benefit premiums to an insurer equivalent, at the date of policy issue, to the sum of to be paid on the death of the insured, or on survival of the insured to the maturity date. A balancing item is required and this item is a liability for one of the parties and the other is an asset. The balancing item, in loan, is the outstanding principle, an asset for the lender and the liability for the borrower. In this paper we examined the benefit reserves formulas corresponding to the formulas for true m-thly benefit premiums by the prospective method. This method specifies that, the reserves at the end of the first year are zero. Several principles can be used for the determined of benefit premiums, an equivalence relation is established in our discussion.

  2. Palgast meil ja Saksamaal / Vello Kutsar

    Index Scriptorium Estoniae

    Kutsar, Vello

    2007-01-01

    Joonised: 1. Kogu Eesti keskmine brutokuupalk III kvartalis aastatel 2000-2007 kroonides ja selle kasv protsentsides; 2. Keskmine brutokuupalk maakonniti 2006. ja 2007. a. III kvartalis (kr) ja kasv (%); 3. Brutokuupalga võrdlus (EUR); Tabelid: 1. Keskmine brutokuupalk tegevusalade lõikes 2006. ja 2007. a. III kvartalis (kr.) ja kasv protsentides; 2. Valikulisi brutokuupalga ja tarbijahinna indeksi võrdlusi. Eesti ja Saksamaa

  3. Ökoloogilised vaatenurgad ja laste internetikasutus: sissevaade mikro- ja makrotasandi analüüsi

    Directory of Open Access Journals (Sweden)

    Brian O’Neill

    2015-11-01

    Full Text Available Igivanad arutelud, milles käsitletakse laste kokkupuudet meediatehnoloogiaga, toovad kommunikatsiooni ja meediauuringute suunal esile erimeelsusi ja vaidlusi põhjustanud pikaajalise traditsiooni. Olgugi et meediatarbimise mõju lastele on uuritud juba ringhäälingu algusaegadest peale, on selle üle endiselt vähe teoretiseeritud ja seda on kirjanduses harva käsitletud, samuti on see meediapoliitika debattides pälvinud vaid vähest mõistmist. Laste ja internetiuuringute puhul on vanad vaidlused süvenenud. Lähtudes ühelt poolt hoiatavatest teadetest riskide, ülemäärase arvutikasutuse ja selle kahjuliku mõju kohta ning teiselt poolt kiidu laulust "digimaailma päriselanikele" ja tehnoloogia võimele muuta maailma, seadis EU Kids Online endale eesmärgiks koguda andmeid, mis aitavad luua terviklikumat pilti veebikeskkonnast, milles noored tegutsevad. Siinses artiklis paigutan selle valdkonna tööd ökoloogilisse raamistikku, lähtudes nii Bronfenbrenneri bioökoloogilisest käsitlusviisist, mis on olnud tähtsal kohal uutes lapsepõlve sotsioloogilistes käsitlustes, kui ka üldisemalt defineeritud meediaökoloogia teoreetilisest raamistikust. Viimast seostatakse peamiselt McLuhani ja hiljem Postmani töödega, kus kirjeldatakse meediakeskkonda kui keerulise vastastikuse mõjutamise süsteemi tehnoloogia ja ühiskonna vahel, kus mitmesugused suhtlusviisid ja vahendatud vastastikune mõjutamine kujundavad oluliselt inimkäitumist ja ühiskondlikku elu. Selline vaatenurk on mõningate põletavate probleemidega tegelemisel väga vajalik, kui kõne all on teadusuuringutel põhinev poliitikakujundamine, mis on seotud interneti haldamise ja reguleerimisega ning noorte kaitsmisega internetikeskkonnas.  Full text

  4. Using the Black Scholes method for estimating high cost illness insurance premiums in Colombia

    Directory of Open Access Journals (Sweden)

    Liliana Chicaíza

    2009-04-01

    Full Text Available This article applied the Black-Scholes option valuation formula to calculating high-cost illness reinsurance premiums in the Colombian health system. The coverage pattern used in reinsuring high-cost illnesses was replicated by means of a European call option contract. The option’s relevant variables and parameters were adapted to an insurance market context. The premium estimated by the BlackScholes method fell within the range of premiums estimated by the actuarial method.

  5. 5 CFR 892.206 - Can I cancel my waiver and participate in premium conversion?

    Science.gov (United States)

    2010-01-01

    ... (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL FLEXIBLE BENEFITS PLAN: PRE-TAX PAYMENT OF HEALTH BENEFITS PREMIUMS Eligibility and Participation § 892.206 Can I cancel my waiver and participate in premium...

  6. 25 CFR 103.19 - When must the lender pay BIA the loan guaranty or insurance premium?

    Science.gov (United States)

    2010-04-01

    ... insurance premium? 103.19 Section 103.19 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR FINANCIAL ACTIVITIES LOAN GUARANTY, INSURANCE, AND INTEREST SUBSIDY How a Lender Obtains a Loan Guaranty or Insurance Coverage § 103.19 When must the lender pay BIA the loan guaranty or insurance premium? The premium...

  7. Kuluttajansuoja valmismatkoissa ja omatoimimatkoissa : Valmismatkat ja lentomatkailu Euroopan unionin alueella

    OpenAIRE

    Hanhineva, Marjo

    2012-01-01

    Opinnäytetyössä on vertailtu valmismatkojen ja omatoimimatkojen eroja kuluttajansuojan näkökulmasta. Valmismatka on etukäteen järjestetty ja yhdistettyyn hintaan tarjottu matkailupalvelujen yhdistelmä, joka sisältää kuljetuksen lisäksi majoituksen sekä usein myös muita kokonaisuuden kannalta olennaisia palveluita. Matkailupalveluiden yhdistelmää ei pidetä etukäteen järjestettynä eli valmismatkana, jos matkustaja itse omasta aloitteestaan suunnittelee ja kokoaa yhdistelmän omien toivomusten mu...

  8. Nasta- ja kitkarenkaiden vertailu

    OpenAIRE

    Sairanen, Henri

    2011-01-01

    Suomen talvi-ilmasto asettaa erityisvaatimuksia henkilöautojen renkaille. Jäisillä teillä ajamiseen vaaditaan renkaalta erityisominaisuuksia, jotta sujuva ja turvallinen liikenne on mahdollista. Autoilijat käyvät jatkuvasti keskustelua siitä, kumpi rengas on parempi talviajoon, nastarengas vai kitkarengas. Työni tarkoitus oli koota yhteen eri tutkimuksissa ilmi tullutta tietoa nasta- ja kitkarenkaista ja vertailla renkaiden hyviä ja huonoja puolia. Tämä työ on toteutettu itsenäisesti per...

  9. Gaas arvudes ja protsentides

    Index Scriptorium Estoniae

    2007-01-01

    Diagrammid: Primaarenergia tarbimise struktuur Eestis; Maagaasi tarbimine Eestis 1996-2006; Maagaasi tarbimine kliendigruppide lõikes 2004-2006; Vedelgaasi tarbimine Eestis 1996-2006; Vedelgaasi tarbimise struktuur 2004-2006; Primaarenergia tarbimine 2005 regiooniti; Primaarenergia tarbimine maailmas 1980-2005; Maagaasi tõendatud varud maailmas 2005 aasta lõpuks; Maagaasi varude jaotumine regiooniti aastatel 85, 95 ja 2005; Maagaasi tootmine ja tarbimine regiooniti; Maagaasi varude suhe tootmismahtudesse; Maagaasi tootmine ja tarbimine riigiti 2005; Vedelgaasi nõudlus ja tootmine regiooniti. Kaardid. Graafikud

  10. Kolm Armastust ja Anarhiat. Nekrofiil, drellimõrvar ja John Woo Tallinnas / Jaan Ruus

    Index Scriptorium Estoniae

    Ruus, Jaan, 1938-2017

    2009-01-01

    Helsingi filmifestivali "Armastus ja Anarhia" mitme seansi toimumisest Eestis 1993.a. septembris : Abel Ferrara "Drellimõrvar" ("Driller Killer", 1979), sakslase Jörg Buttgereiti "Nekromantik" (1987) ja "Nekromantik 2" (1991), John Woo "Hard Boiled" (1993). Buttgereit ja Woo olid ka ise kohal

  11. Igavene juuli : näitleja ja lavastaja suvedialoog / Mati Unt ja Andrus Vaarik

    Index Scriptorium Estoniae

    Unt, Mati, 1944-2005

    2004-01-01

    Mati Unt ja Andrus Vaariku vestlus näitleja ja lavastaja omavahelisest koostööst. Näitleja kui dirigent Andrus Vaariku arvates. Dialoogi vahel on avaldatud katkendid Elias Canetti "Mass ja võim" ("Masse und Macht") Mati Sirkeli tõlkes

  12. Pricing of premiums for equity-linked life insurance based on joint mortality models

    Science.gov (United States)

    Riaman; Parmikanti, K.; Irianingsih, I.; Supian, S.

    2018-03-01

    Life insurance equity - linked is a financial product that not only offers protection, but also investment. The calculation of equity-linked life insurance premiums generally uses mortality tables. Because of advances in medical technology and reduced birth rates, it appears that the use of mortality tables is less relevant in the calculation of premiums. To overcome this problem, we use a combination mortality model which in this study is determined based on Indonesian Mortality table 2011 to determine the chances of death and survival. In this research, we use the Combined Mortality Model of the Weibull, Inverse-Weibull, and Gompertz Mortality Model. After determining the Combined Mortality Model, simulators calculate the value of the claim to be given and the premium price numerically. By calculating equity-linked life insurance premiums well, it is expected that no party will be disadvantaged due to the inaccuracy of the calculation result

  13. Leipzigi kirjandusauhind: "Sõda ja rahu" ning filosoofia ja perverssused

    Index Scriptorium Estoniae

    2011-01-01

    Leipzigi kirjandusmessi auhinna ilukirjanduse kategoorias sai austerlane Clemens J. Setz jutukogu "Die Lieber zur Zeit des Mahlstädter Kindes" ("Armastus Mahlstadti lapse ajal"). Tõlkeauhinna sai Barbara Conradi uue L. Tolstoi "Sõja ja rahu" tõlke eest ning aimekirjanduse ja esseistikaauhind läks Frankfurter Allgemeine Zeitungi vastutavale toimetajale Henning Ritterile

  14. A diagnosis of eosinophilic esophagitis is associated with increased life insurance premiums.

    Science.gov (United States)

    Leiman, D A; Kochar, B; Posner, S; Fan, C; Patel, A; Shaheen, O; Keller, C Y; Koutlas, N T; Eluri, S; Dellon, E S

    2018-05-24

    Eosinophilic esophagitis (EoE) is a chronic disease that can be diagnosed at any age, but is not associated with malignancy and does not shorten lifespan. It remains unknown whether an EoE diagnosis affects insurability or insurance premium costs. We therefore aimed to determine whether a diagnosis of EoE affects the costs of life insurance. Our investigation was a secret shopper audit study whereby we contacted national insurance companies in the United States to evaluate the effect of a diagnosis of EoE on life insurance premiums. We constructed standardized case scenarios for males and females, including a 25-year-old and a 48-year-old without other comorbid conditions, who either had or did not have a diagnosis of EoE. Companies were asked for their best estimate for a $100,000 whole life insurance policy. Comparisons between median premiums were made using the Mann-Whitney U test. There were 20 national life insurance companies contacted and a total of 73 quotes were obtained. The median premium rate was similar for EoE and non-EoE cases at the younger age ($828 [IQR $576-1,020] vs. $756 [IQR $504-$804]; P = 0.10). However, the premium for the older case without EoE was 19% less expensive compared to a case with EoE ($1990 [IQR $1,248-2,350] vs. $2,375 [IQR $2,100-2568; P = 0.02]. This finding was not explained by sex or state of residence. Based on these findings, we conclude that life insurance premiums are significantly more expensive in the older patient case with EoE when compared to the same case without EoE. Patients with EoE and their providers should be aware of the additional cost associated with this diagnosis.

  15. Estimating organic, local, and other price premiums in the Hawaii fluid milk market.

    Science.gov (United States)

    Loke, Matthew K; Xu, Xun; Leung, PingSun

    2015-04-01

    With retail scanner data, we applied hedonic price modeling to explore price premiums for organic, local, and other product attributes of fluid milk in Hawaii. Within the context of revealed preference, this analysis of organic and local attributes, under a single unified framework, is significant, as research in this area is deficient in the existing literature. This paper finds both organic and local attributes delivered price premiums over imported, conventional, whole fluid milk. However, the estimated price premium for organic milk (24.6%) is significantly lower than findings in the existing literature. Likewise, the price premium for the local attribute is estimated at 17.4%, again substantially lower compared with an earlier, stated preference study in Hawaii. Beyond that, we estimated a robust price premium of 19.7% for nutritional benefits claimed. The magnitude of this estimated coefficient reinforces the notion that nutrition information on food is deemed beneficial and valuable. Finally, package size measures the influence of product weight. With each larger package size, the estimate led to a corresponding larger price discount. This result is consistent with the practice of weight discounting that retailers usually offer with fresh packaged food. Additionally, we estimated a fairly high Armington elasticity of substitution, which suggests a relatively high degree of substitution between local and imported fluid milk when their relative price changes. Overall, this study establishes price premiums for organic, local, and nutrition benefits claimed for fluid milk in Hawaii. Copyright © 2015 American Dairy Science Association. Published by Elsevier Inc. All rights reserved.

  16. Algebran ja geometrian yhdyskohtia lukio-opetuksessa ja kuution tilavuuden kahdentaminen

    OpenAIRE

    Tuohilampi, Antti

    2012-01-01

    Työ kertoo kuinka voimme kehittää lukio-opetuksessa algebran ja geometrian yhdyskohtia. Tämä on tarkoitettu lukion pitkän matematiikan analyyttisen geometrian kurssin yhteyteen, tai lisä materiaalina tämän jälkeen esimerkiksi matematiikka kerhoon. Kerron työssäni ensiksi geometrian aksioomista ja aksiomaattisesta todistamisesta. Seuraavaksi tutkin janojen suhteita, verrantoja ja kolmion sivujen suhteita. Jatkan tästä kuution tilavuuden tuplaamiseen. Tarkoituksena on löytää tapa esittää nämä a...

  17. Premium inflation in the Irish private health insurance market: drivers and consequences.

    Science.gov (United States)

    Turner, B

    2013-12-01

    Nearly half of the Irish population is covered by private health insurance. In recent years, premium inflation has been significantly ahead of overall inflation and has been accelerating. This has contributing to a drop in the numbers insured since the peak in 2008. The fall in the numbers with private health insurance also has implications for the public health system. Factors behind this premium inflation include rising charges for beds in public hospitals, increasing volume of treatments and increasing quality of service and cover. While some progress has been made by insurers on reducing fees paid to consultants and private hospitals, unless the quantity or quality of care are addressed then premium inflation is unlikely to abate.

  18. Punainen nainen ja kuoleman diskurssi

    Directory of Open Access Journals (Sweden)

    Tuuli Kataja

    2003-01-01

    Full Text Available Artikkelissa tarkastellaan vuoden 1918 työväenperinteessä hahmottuvaa naiskuvaa keskittyen kuolemaa käsitteleviin lauluihin ja runoihin. Aineisto koostuu arkistoaineistosta ja kirjoittajan isoisän sotilasmuistiosta.Punaiset laulut ja runot ovat luokkataistelun aseita ja jo sellaisenaan kiistävää folklorea. Niiden faattinen funktio oli motivoida yksilöt kollektiiviksi sekä ylläpitää ja vahvistaa ryhmän yhteistä ideologista identiteettiä. Niiden keskeiset teemat ovatkin juuri ideologia ja kuolema. Teemojen kautta hahmottuvat paitsi kuolemankäsitykset myös naiskuva - sekä yleinen että kuoleman kautta positioituva. Olennaista on naisen asema suhteessa sotaan.Perinteinen nainen on kuolemaan nähden objekti, poissaoleva tai etäinen. Naisen ja kuoleman ikiaikainen liitto saa rinnalleen konsensusta rikkovaa naiskuvaa, kun perinteisten hahmojen rinnalle astuu taisteleva subjekti, joka kiistää naisen roolin surun tulkkina ja passiivisena objektina. Vaikka kuoleman normia peilataan edelleen miehiseen sukupolveen, aatteen puolesta taisteltaessa veljeys on sukupuoleton käsite.

  19. Luomu- ja lähiruoka opintojakso hotelli- ja ravintola- alan ammattioppilaitoksiin

    OpenAIRE

    Nurminen, Jessica

    2007-01-01

    Tämä toimintaympäristön kehittämisen opintokokonaisuuteen kuuluva kehittämishanke on tehty Jyväskylän ammattikorkeakoulun opettajakoulussa talvella 2006- 2007. Kehittämishankkeessa olen suunnitellut uuden opintojakson ammatillisiin hotelli- ja ravintola- alan oppilaitoksiin. Kehittämishankkeeni tavoitteena on luoda oppilaitoksiin uusi opintojakso, joka avartaa opiskelijoiden näkemystä ja tietoa luomu- ja lähiruoasta. Kehittämishankkeessani olen suunnitellut 10 opintoviikon mittaisen vapaasti ...

  20. Demand of Insurance under the Cost-of-Capital Premium Calculation Principle

    Directory of Open Access Journals (Sweden)

    Michael Merz

    2014-06-01

    Full Text Available We study the optimal insurance design problem. This is a risk sharing problem between an insured and an insurer. The main novelty in this paper is that we study this optimization problem under a risk-adjusted premium calculation principle for the insurance cover. This risk-adjusted premium calculation principle uses the cost-of-capital approach as it is suggested (and used by the regulator and the insurance industry.

  1. 24 CFR 213.259a - Premiums-mortgages insured pursuant to section 238(c) of the Act.

    Science.gov (United States)

    2010-04-01

    .... All of the provisions of §§ 213.253 through 213.259 governing mortgage insurance premiums shall apply... mortgage insurance premiums due on such mortgages in accordance with §§ 213.253 through 213.259 shall be... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums-mortgages insured pursuant...

  2. Theraplay-vuorovaikutusterapian tunnettavuus ja sen hyödyt Satakunnan ja Pirkanmaan lastensuojelulaitoksissa

    OpenAIRE

    Väkiparta, Tuija

    2009-01-01

    Tämän opinnäytetyön tarkoituksena on selvittää miten hyvin Satakunnan ja Pirkanmaan lastensuojelulaitoksissa tunnetaan Theraplay-vuorovaikutusterapia ja miten sitä lastensuojelulaitoksissa käytetään. Aiheen työhöni sain siitä, kun olin kesällä 2007 töissä MLL:n Kuntoutus- ja kehittämiskeskus Huvituksessa Yläneellä. Siellä tätä Theraplay-terapiaa käytetään hyvin onnistuneesti. Tutkimuksen tarkoituksena on saada vastaus kysymyksiin: 1. Tunnetaanko ja käytetäänkö Theraplay-vuorovaikutuste...

  3. Aletamine maastikukujunduse- ja kultuuritegurina Põhja- Euroopas ja Eestis / Ülle Tarkiainen

    Index Scriptorium Estoniae

    Tarkiainen, Ülle, 1957-

    2014-01-01

    Aletamise vormidest. Alesavolastest ja ale põletamisega seotud müütidest. Alepõletamise algusest Eestis. Aletamise kajastumisest 17. sajandi allikmaterjalides. Metsapõldudest viljatootmise ja uusasustuse ressursina. Aletamise marginaliseerumisest.

  4. In Second Year Of Marketplaces, New Entrants, ACA 'Co-Ops,' And Medicaid Plans Restrain Average Premium Growth Rates.

    Science.gov (United States)

    Gabel, Jon R; Whitmore, Heidi; Green, Matthew; Stromberg, Sam T; Weinstein, Daniel S; Oran, Rebecca

    2015-12-01

    Premiums for health insurance plans offered through the federally facilitated and state-based Marketplaces remained steady or increased only modestly from 2014 to 2015. We used data from the Marketplaces, state insurance departments, and insurer websites to examine patterns of premium pricing and the factors behind these patterns. Our data came from 2,964 unique plans offered in 2014 and 4,153 unique plans offered in 2015 in forty-nine states and the District of Columbia. Using descriptive and multivariate analysis, we found that the addition of a carrier in a rating area lowered average premiums for the two lowest-cost silver plans and the lowest-cost bronze plan by 2.2 percent. When all plans in a rating area were included, an additional carrier was associated with an average decline in premiums of 1.4 percent. Plans in the Consumer Operated and Oriented Plan Program and Medicaid managed care plans had lower premiums and average premium increases than national commercial and Blue Cross and Blue Shield plans. On average, premiums fell by an appreciably larger amount for catastrophic and bronze plans than for gold plans, and premiums for platinum plans increased. This trend of low premium increases overall is unlikely to continue, however, as insurers are faced with mounting medical claims. Project HOPE—The People-to-People Health Foundation, Inc.

  5. Vägivald ja propaganda

    Index Scriptorium Estoniae

    2006-01-01

    8. IV-28. V Tallinna Kunstihoones Elin Kardi, Marco Laimre, Marko Mäetamme ja Andres Tali näitus "Vägivald ja propaganda". 26. IV-7. V näituse raames emergency biennale, rahvusvaheline rändnäitus Tšetšeenia toetuseks. 27. IV Kaasaegse Kunsti Eesti Keskuse IV ettekannete päev "Kunstniku moraalsed valikud liberaalse demokraatia ja islami kokkupõrgetes". Esinevad Margit Sutrop, Johannes Saar, Marek Järvik, Ene-Liis Semper & Eero Epner ning näitusel "Vägivald ja propaganda" osalevad kunstnikud

  6. 27. ja 28. IX toimus Narvas VII Eesti muuseumide näituste festival ja seminar

    Index Scriptorium Estoniae

    2004-01-01

    I koha pälvis ERMi ja Adamson-Ericu muuseumi koostööprojekt "Viinapuuväät. Maasikakiri II" (kontseptsiooni ja haridusprogrammi autorid Vaike Reemann, Ülle Kruus, Kersti Koll ja Kai Tuvik, kujundaja Denes Farkas, monteerija Vahur Puik), II - Tartu Kunstimuuseumi näitus "Muuseum muuseumis" (kontseptsiooni autorid ja teostajad Ahti Seppet, Hannes Varblane), III - Viljandi muuseumi näitus "Rõõmud lumel ja jääl" (idee autor Herki Helves)

  7. 24 CFR 207.252c - Premiums-mortgages insured pursuant to section 238(c) of the Act.

    Science.gov (United States)

    2010-04-01

    .... All of the provisions of §§ 207.252 and 207.252a governing mortgage insurance premiums shall apply to... insurance premiums due on such mortgages in accordance with §§ 207.252 and 207.252a shall be calculated on... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums-mortgages insured pursuant...

  8. Did the Affordable Care Act's Dependent Coverage Mandate Increase Premiums?

    OpenAIRE

    Briggs Depew; James Bailey

    2014-01-01

    We investigate the impact of the Affordable Care Act's dependent coverage mandate on insurance premiums. The expansion of dependent coverage under the ACA allows young adults to remain on their parent's private health insurance plans until the age of 26. We find that the mandate has led to a 2.5-2.8 percent increase in premiums for health insurance plans that cover children, relative to single-coverage plans. We find no evidence that the mandate caused an increase in the amount of the employe...

  9. Eesti ja USA juhtide kohtumiste peateema on NATO ja demokraatia / Vahur Koorits

    Index Scriptorium Estoniae

    Koorits, Vahur, 1981-

    2006-01-01

    USA presidendi George W. Bushi visiidi ajal toimuvatel USA ja Eesti riigijuhtide kohtumistel räägitakse NATO ja demokraatia tulevikust, samuti tulevad kõne alla missioonid Afganistanis ja Iraagis ning eestlaste viisavabadus USA-sse reisimisel. Lisa: Millest kavatsevad riigijuhid kohtumistel rääkida: Ansip, Ilves, Bush. Vt. samas: Bushi visiidi ajal vilksatab Eesti üheks õhtuks ameeriklaste teleekraanidel

  10. Avatud meeled ja intellektuaalsed mõttemängud / Gerhard Lock ja Evelin Lagle

    Index Scriptorium Estoniae

    Lock, Gerhard, 1978-

    2010-01-01

    10. sünnipäeva tähistava Küberstuudio tegevusest. 2. märtsil Kumu auditooriumis etendunud Monika Mattieseni ja Hasso Krulli multimeediaooperist "Loomise mõnu", kavas olid ka Mirjam Tally ja Erkki-Sven Tüüri elektroakustilised teosed flöödile ja kammerorkestrile

  11. Case histories of roller cone core bit application in crystalline rock

    International Nuclear Information System (INIS)

    Dahlem, J.S.

    1988-01-01

    The increased interest in deep crystalline rock drilling projects has resulted in a requirement for premium coring bits which are effective in such a harsh and abrasive environment. Hard formation roller cone insert bits have traditionally and constantly performed well in crystalline rock. As a result, the application of state of the art roller cone rock bit technology to the design and development of core bits has made crystalline coring projects more viable than ever before. This paper follows the development of roller cone core bits by examining their use on project such as HDR (Hot Dry Rock, Los Alamos); NAGRA (Nuclear Waste Disposal Wells in Switzerland); Camborne School of Mines Geothermal Project in Cornwall, UK; Deep Gas Project in Sweden; and the KTB Deep Drilling Project in West Germany

  12. Are Integrated Plan Providers Associated With Lower Premiums on the Health Insurance Marketplaces?

    Science.gov (United States)

    La Forgia, Ambar; Maeda, Jared Lane K; Banthin, Jessica S

    2018-04-01

    As the health insurance industry becomes more consolidated, hospitals and health systems have started to enter the insurance business. Insurers are also rapidly acquiring providers. Although these "vertically" integrated plan providers are small players in the insurance market, they are becoming more numerous. The health insurance marketplaces (HIMs) offer a unique setting to study integrated plan providers relative to other insurer types because the HIMs were designed to promote competition. In this descriptive study, the authors compared the premiums of the lowest priced silver plans of integrated plan providers with other insurer types on the 2015 and 2016 HIMs. Integrated plan providers were associated with modestly lower premiums relative to most other insurer types. This study provides early insights into premium competition on the HIMs. Examining integrated plan providers as a separate insurer type has important policy implications because they are a growing segment of the marketplaces and their pricing behavior may influence future premium trends.

  13. Tuotesijoittelu elokuvissa ja tv-sarjoissa

    OpenAIRE

    Kujala, Toni

    2017-01-01

    Tämä opinnäytetyö käsittelee tuotesijoittelua ja miten se ilmenee elokuvissa ja tv-sarjoissa. Opinnäytetyön tarkoituksena oli selvittää mitä tuotesijoittelu on, miten se vaikuttaa katsojiin ja miten sitä voi hyödyntää eri toimijoiden markkinointiviestinnässä. Tuotesijoittelun vaikutuksia katsojiin on selvitetty kvalitatiivisella menetelmällä haastattelemalla viittä ihmistä ja tutkimalla tuotesijoittelusta käytyä keskustelua eri keskustelupalstoilla ja sosiaalisessa mediassa. Haastattelussa ol...

  14. Lugemis- ja kuulamissoovitusi lapsemeelsetele : [heliraamatud ja -plaadid lastele] / Esme Kassak

    Index Scriptorium Estoniae

    Kassak, Esme

    2010-01-01

    Arvustus: Jancis, Kaspar. Seiklus Salamandril, ehk, Morten Viksi uskumatud juhtumised lollide laevas. Tallinn : Menu Kirjastus, 2010 ; Kivirähk, Andrus. Kaka ja kevad [Helisalvestis] / loeb Ülle Kaljuste. Tallinn ; Varrak, 2010 ; Kivirähk, Andrus. Kaelkirjak [Helisalvestis] / loeb Harriet Toompere. Tallinn : Varrak, 2010 ; Tungal, Leelo. Hea lapse laulud [Helisalvestis]. Tallinn : Nõmmelill, 2010 ; Pajusaar, Priit. Lapsed, liblikad ja teised mutukad [Helisalvestis]. Tallinn : Varrak, 2010 ; Toman, Eduard. Gena ja teised : [Helisalvestis]. Tallinn : Greenroom Studio, 2010 ; Vilmusenaho, Marika. Tuulejutu viisid [Helisalvestis] / esitavad Meero Muusiku laululapsed. I.k. : Tempo Rubato, 2009 ; Raud, Eno. Sipsik : laste unejutud / loeb Salme Reek. Tallinn : Eesti Rahvusringhääling, 2010

  15. PEDAGOGINEN PIENRYHMÄTOIMINTA JA SEN VAIKUTUS KASVATTAJIEN TYÖHYVINVOINTIIN PUISTOLAN JA KYMINTEHTAAN PÄIVÄKODEISSA

    OpenAIRE

    Saarivirta, Johanna

    2015-01-01

    Tämän opinnäytetyön tarkoituksena oli selvittää kasvatushenkilökunnan ajatuksia ja kokemuksia pedagogisen pienryhmätoiminnan vaikutuksista työhyvinvointiin Kymin-tehtaan ja Puistolan päiväkodeissa. Näille kokemuksille taustaksi selvitettiin kasvattajien käsityksiä omaa hyvinvointia ja työhyvinvointia tuottavista ja tukevista tekijöistä, pedagogisen pienryhmätoiminnan taustaa, sen erilaisia toteutusmuotoja, etuja ja haasteita sekä sitä, kuinka kasvattajat kokevat sen työhyvinvointinsa kannalta...

  16. Brief report: Quantifying the impact of autism coverage on private insurance premiums.

    Science.gov (United States)

    Bouder, James N; Spielman, Stuart; Mandell, David S

    2009-06-01

    Many states are considering legislation requiring private insurance companies to pay for autism-related services. Arguments against mandates include that they will result in higher premiums. Using Pennsylvania legislation as an example, which proposed covering services up to $36,000 per year for individuals less than 21 years of age, this paper estimates potential premium increases. The estimate relies on autism treated prevalence, the number of individuals insured by affected plans, mean annual autism expenditures, administrative costs, medical loss ratio, and total insurer revenue. Current treated prevalence and expenditures suggests that premium increases would approximate 1%, with a lower bound of 0.19% and an upper bound of 2.31%. Policy makers can use these results to assess the cost-effectiveness of similar legislation.

  17. Ühe kuupäeva ajalooline ja poliitiline tagapõhi : 8. ja 9. mai Prantsusmaal, Balti riikides ja Venemaal / Jean-Pierre Minaudier ; prantsuse keelest tõlkinud Indrek Koff

    Index Scriptorium Estoniae

    Minaudier, Jean-Pierre

    2007-01-01

    Teise Maailmasõja lõpu tähistamisest 8. ja 9. mail Balti riikides, Venemaal ja Prantsusmaal. Artikli aluseks on ettekanne TLÜ Eesti Humanitaarinstituudi ja Prantsuse Kultuurikeskuse korraldatud rahvusvahelisel konverentsil "Ajalugu ja poliitika. Mineviku kasutamisest ja ärakasutamisest" 14. oktoobril 2006 Tallinnas

  18. The Pricing of Tail Risk and the Equity Premium: Evidence from International Option Markets

    DEFF Research Database (Denmark)

    Andersen, Torben Gustav; Fusari, Nicola; Todorov, Viktor

    We explore the pricing of tail risk as manifest in index options across international equity markets. The risk premium associated with negative tail events displays persistent shifts, unrelated to volatility. This tail risk premium is a potent predictor of future equity returns, while option......-implied volatility only forecasts the future return variation. Hence, compensation for negative jump risk is the primary driver of the equity premium across all indices, whereas the reward for pure diffusive variance risk is largely unrelated to future equity returns. We also document pronounced commonalities...

  19. Luonto ja seikkailu fysioterapiassa: systemoitu kirjallisuuskatsaus

    OpenAIRE

    Hevosmaa, Assi

    2016-01-01

    Luontoympäristöllä on tutkitusti myönteisiä vaikutuksia fyysiseen, psyykkiseen ja sosiaaliseen terveyteen ja hyvinvointiin. Elämykselliset ja kokemukselliset toimintamuodot on otettu käyttöön useilla eri aloilla kuten kuntoutuksessa ja terapiassa. Osallisuus ja kokemuksellisuus voivat aktivoida ja motivoida muuten passiiviset asiakkaat liikkeelle. Katsauksen taustalla oli kiinnostus laajentaa näkökulmaa erilaisista menetelmistä, joita voitaisiin hyödyntää fysioterapiassa. Olen kiinnostun...

  20. Show- ja streettanssijoiden esiintymisjännitys : Esiintymisjännityksen hyödyt ja haitat

    OpenAIRE

    Ekoluoma, Heini-Maria

    2015-01-01

    Tutkin opinnäytetyössäni show- ja streettanssijoiden esiintymisjännitystä. Perehdyin jännittämisen syntymiseen, sen laukaiseviin tekijöihin ja mielen ja kehon tuntemuksiin jännittämistilanteessa. Usein esiintymisjännitystä lähestytään vain suoritusta heikentävänä tekijänä, joten halusin ottaa myös huomioon jännittämisen positiiviset vaikutukset. Lisäksi perehdyin jännittämistä ja esiintymistä käsittelevään kirjallisuuteen ja nostin osan mielenkiintoisiksi kokemistani jännittämis-teorioista es...

  1. The application of variable sampling method in the audit testing of insurance companies' premium income

    Directory of Open Access Journals (Sweden)

    Jovković Biljana

    2012-12-01

    Full Text Available The aim of this paper is to present the procedure of audit sampling using the variable sampling methods for conducting the tests of income from insurance premiums in insurance company 'Takovo'. Since the incomes from the insurance premiums from vehicle insurance and third-party vehicle insurance have the dominant share of the insurance company's income, the application of this method will be shown in the audit examination of these incomes - incomes from VI and TPVI premiums. For investigating the applicability of these methods in testing the income of other insurance companies, we shall implement the method of variable sampling in the audit testing of the premium income from the three leading insurance companies in Serbia, 'Dunav', 'DDOR' and 'Delta Generali' Insurance.

  2. Failure to pay for social health insurance premiums: Acts of protest or desperation?

    Science.gov (United States)

    von Wyl, Viktor; Beck, Konstantin

    2015-01-01

    In Switzerland, basic health insurance is mandatory for all inhabitants, but a rising number of insured have arrears in premium payments, potentially leading to coverage suspension. We aimed at characterizing insured with debt enforcement proceedings with respect to socio-demographic and health utilization aspects. Cross-sectional analysis of 508.000 insured with basic health insurance contracts in 2013, of whom 14,000 (2.8%) with debt enforcement proceedings, from 11 Swiss cantons. Groups were characterized using logistic regression and latent class analysis. Insured with debt enforcement proceedings were more likely to be young, male and without dependents (partner, kids). Having no supplementary insurance and receiving partial premium subsidies was associated with an increased debt enforcement proceedings risk. Within the debt enforcement proceedings group, three subgroups were identified: 60% were young and seemingly healthy, with a below-average fraction of premium subsidy recipients (18%) and low out-of-pocket payments in prior year (median Swiss Francs 0). Two groups consisted of relatively ill elderly persons (22%, 99% of whom with chronic illnesses) or families (18%), many of whom (29% and 51%) were recipients of premium subsidies. Median out-of-pocket payments in the prior year were high (Swiss Francs 625 and 688, respectively). Sixty percent of premium arrears derive from young insured without apparent financial problems; 40% are owed by elderly and families, which are potentially hurt by coverage loss.

  3. Hullumisstseenid ja kontsert-roim ooperis

    Index Scriptorium Estoniae

    2008-01-01

    Installatsioon-ooperi "Hullumisstseene kvaliteetooperitest" esietendusest 6. juulil Pärnu vanalinna põhikooli õuel ja kontserdist Toots & Friends esituses 7. ja 21. juulil Pärnu mudaravilas ja (vt.www.ooper.parnu.ee)

  4. Tuotteen kehitys ja kaupallistaminen : Case Vasikan Hiiligeeli

    OpenAIRE

    Lehtilä, Veera

    2017-01-01

    Tuotekehitys ja tuotteen kaupallistaminen nähdään usein salatieteenä, jonka hallitsevat vain harvat ja valitut superinnovatiiviset yksilöt. Todellisuudessa kyseessä on yksi vakaan ja kannattavan yrityksen perustoiminnoista, jota toteutetaan yrityksen eri toimijoiden, kuten tuotekehitys,talous ja markkinointi, yhteistyönä suunnitelmallisesti ja harkiten, tutkittuun tietoon ja kulloiseenkin aikaan perustuen, olemassa olevien resurssien ja aikataulujen rajoissa. Kyseessä on mielenkiintoinen ja u...

  5. Ühe kuupäeva ajalooline ja poliitiline tagapõhi : 8. ja 9. mai Prantsusmaal, Balti riikides ja Venemaal / Jean-Pierre Minaudier ; tõlk. Indrek Koff

    Index Scriptorium Estoniae

    Minaudier, Jean-Pierre

    2007-01-01

    Teise maailmasõja lõpu tähistamise kuupäevadega seotud ajaloolise ja poliitilise tausta käsitlemisel on autor keskendunud Venemaa, Balti riikide ja Prantsusmaa riigijuhtide ametlikele kõnedele, avaldustele ja intervjuudele, mis on olulised 2005. aasta maikuu kriisi seisukohast: kahe Balti riigi presidendid keeldusid osalemast Saksamaa kapituleerumise 60. aastapäeva üritustel Moskvas. Artikli aluseks on ettekanne rahvusvahelisel konverentsil "Ajalugu ja poliitika. Mineviku kasutamisest ja ärakasutamisest" 14. oktoobril Tallinnas

  6. Immuunsus ja sanatoorium

    Index Scriptorium Estoniae

    Jõgeva, Sandra, 1976-

    2009-01-01

    Katrin Murbachi (Šveits) & Riikka Tauriaineni (Soome) näitus "Sanatoorium" Tallinna Linnagaleriis 2. augustini. Rühmituse Noolegrupp liikmete Triinu Jürvese ja Villem Jahu videoinstallatsioon "Immunity Summary and the Outside World" ("Immuunsuse kokkuvõte ja sealpoolne maailm") Kultuurikatlas 24. juulil

  7. Gidon Kremer ja Kremerata Baltica

    Index Scriptorium Estoniae

    2001-01-01

    G. Kremer ja Kremerata Baltica esitamas Tshaikovski, shostakovitshi ja Desjatnikovi loomingut pühapäeval, 16. detsembril kl.19 Vanemuise Kontserdimajas ja esmaspäeval, 17. detsembril kl.19 Estonia kontserdisaalis

  8. Kasvojen suojelua ja hauskanpitoa : keskustelunanalyyttinen tutkimus huumorin rakentumisesta alkuopetuksen ja yläkoulun erityisopetuksessa

    OpenAIRE

    Haukka, Vuokko

    2010-01-01

    Tutkimuksen tarkoituksena oli tarkastella huumorin rakentumista alkuopetuksen ja yläkoulun erityisopetusympäristöissä ja keskittyä erityisesti siihen, millaisissa eri tarkoituksissa huumoria käytetään. Lisäksi selvitettiin, millaisia eroja ja yhtäläisyyksiä huumorin rakentumisessa ilmeni kahdessa tarkastelemassani ikäluokassa. Huumori ymmärrettiin tässä tutkimuksessa pohjimmiltaan sosiaaliseksi ilmiöksi ja näin ollen sitä tutkittiin tiukasti kiinni vuorovaikutuksellisessa ko...

  9. Eesti merovingi- ja viikingiaegsed rinnanõelad - võõrapärased ja omad / Marika Mägi

    Index Scriptorium Estoniae

    Mägi, Marika

    1997-01-01

    Artiklis käsitletakse Eesti merovingi- ja viikingiaegsete ehtenõelte tüpoloogiat ja kandmisviise. Vaatluse alla on võetud rõngaspeaga, kolmnurkpeaga ja varasemad kaksikristpeaga nõelad, mille dateeringut ja tüpoloogilist arengut on varasemaga võrreldes täpsustatud. Joonised, diagrammid, fotod

  10. The Effects of Premium Changes on ALL Kids

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Effects of Premium Changes on ALL Kids, Alabamas CHIP Program Unlike many other CHIP programs, ALL Kids is a standalone program that provides year long...

  11. Tagasivaateid ja välissuhteid / Johannes Pedak

    Index Scriptorium Estoniae

    Pedak, Johannes, 1908-2003

    1981-01-01

    Akadeemilistest perekondadest ja suguvõsadest korporatsioonis, ülikooli lõpetamise ja doktorikraadi kaitsmisega seotud kommetest, suhetest vähemusrahvuste- ja naaberriikide üliõpilasorganisatsioonidega ja üliõpilasvahetusest Soome, Saksamaa, Inglismaa ja Ungariga. Soome ja eesti üliõpilasorganisatsioonide võrdlus

  12. Health Insurance Marketplaces: Early Findings on Changes in Plan Availability and Premiums in Rural Places, 2014-2015.

    Science.gov (United States)

    Barker, Abigail; McBride, Timothy D; Kemper, Leah M; Mueller, Keith

    2015-05-01

    The Patient Protection and Affordable Care Act established Health Insurance Marketplaces (HIMs) in all 50 states and the District of Columbia. This policy brief assesses the changes in HIMs from 2014 to 2015 in terms of choices offered and premiums charged, with emphasis on how these measures vary across rural and urban places. Key Findings. (1) In 74 percent of HIM rating areas, the number of firms operating increased by at least one, while the number of firms decreased in only about 6 percent of rating areas. Further, 64 percent of rating areas with fewer than 50 persons per square mile gained at least one firm. (2) There was no consistent pattern of premium increases with respect to rating area population density (used as a proxy here for the degree of "ruralness" of the rating areas). Nationally, rural areas are not experiencing higher premium increases than their urban counterparts. In fact, the lowest increases in second-lowest cost silver plan premiums occurred in the medium-density population rating areas of 51 to 300 persons per square mile. (3) Average adjusted premiums increased from 2014 to 2015 by 6.7 percent in Federally-Facilitated Marketplaces (FFMs) compared to just 1.4 percent in State-Based Marketplaces (SBMs). Regardless of SBM or FFM status, premium increases across the United States were negatively correlated with the number of firms entering the market. (4) Analysis of the most rural states, in terms of percentage of the population classified as nonmetropolitan, shows that, in general, premiums fell significantly in rural places where they had been rather high, and they increased in rural places where they had been rather low. The five rural states with the lowest premium increases had an average of 0.17 firms entering the market, while the five with the highest premium increases had an average of 0.50 firms exiting the market.

  13. Identiteet ja migratsioon / Francis Fukuyama

    Index Scriptorium Estoniae

    Fukuyama, Francis

    2007-01-01

    Autor peab islamiäärmuslust immigrantide identiteedikriisi ilminguks ning arutleb identiteedipoliitika olemuse ja tuleviku üle Euroopa ja Ameerika postmodernses multikultuurilises ühiskonnas. Vt. samas: Jeffrey Goldstein: Euroopa ja USA - konkurendid või partnerid

  14. Consumer Willingness to Pay a Premium for Halal Goat Meat: A Case from Atlanta, Georgia

    OpenAIRE

    Ibrahim, Mohammed

    2011-01-01

    The growth in goat meat demand is attributed to the influx of immigrants from goat-meat-eating countries into the U.S. This Paper examines the willingness to pay a premium for halal goat meat. The factors that significantly impact the willingness to pay a premium for halal goat meat in Atlanta include income, current consumption, household size, and marital status. Results suggest that the mean willingness to pay a premium for the halal attribute is 50 cents per pound of goat meat.

  15. Kultuurmaastike ja elukeskkonna kujunemine ning hoidmine, sh poollooduslike koosluste taastamine ja hooldamine, mets, keskkond, loodushoid ja sood / Kaul Nurm

    Index Scriptorium Estoniae

    Nurm, Kaul

    2004-01-01

    Autori arvates tuleb maaelu uue arengukava väljatöötamisel keskmesse tõsta talupere ja sellised struktuurid, mis suudavad ning soovivad alalhoidlikke tootmisviise rakendada, aidates nii oma tegevusega kaasa puhta ja mitmekesise looduse kujunemisele, säilimisele

  16. 26 CFR 1.249-1 - Limitation on deduction of bond premium on repurchase.

    Science.gov (United States)

    2010-04-01

    ... A issues a callable 20-year convertible bond at face for $1,000 bearing interest at 10 percent per... 26 Internal Revenue 3 2010-04-01 2010-04-01 false Limitation on deduction of bond premium on... deduction of bond premium on repurchase. (a) Limitation—(1) General rule. No deduction is allowed to the...

  17. Modeling foreign exchange risk premium in Armenia

    Czech Academy of Sciences Publication Activity Database

    Poghosyan, Tigran; Kočenda, Evžen; Zemčík, P.

    2008-01-01

    Roč. 44, č. 1 (2008), s. 41-61 ISSN 1540-496X R&D Projects: GA MŠk LC542 Institutional research plan: CEZ:MSM0021620846 Keywords : foreign exchange risk premium * Armenia * affine term structure models Subject RIV: AH - Economics Impact factor: 0.611, year: 2008

  18. Igavesti elav ja ikka uuenev "Mees ja naine" / Mark Soosaar

    Index Scriptorium Estoniae

    Soosaar, Mark, 1946-

    2001-01-01

    Pärnu Uue Kunsti Muuseumis avatud rahvusvahelisel aktinäitusel saab vaadata Jean Cocteau (1889-1963), Robert Mapplethorpe'i (1946-1989), Kaarel Liimandi (1906-1941), Jan Sierhuisi, Vilmantas Marcinkeviciuse, Evald Okase, Joel Peter Witkini, Jan Saudeki ja Jean Rustini loomingut. Pikemalt J. Cocteau, J. Saudeki ja J. Rustini töödest

  19. Karvased ja sulelised / Tambet Kaugema

    Index Scriptorium Estoniae

    Kaugema, Tambet

    2002-01-01

    Kaks esimest osa ETV poliitilise pila nukushõust "Pehmed ja karvased" : stsenaristid Toomas Kall ja Andrus Kivirähk : idee autor, režissöör ja kunstnik Hardi Volmer : produtsent, idee autor Raivo Suviste

  20. Relative Affordability of Health Insurance Premiums under CHIP Expansion Programs and the ACA.

    Science.gov (United States)

    Gresenz, Carole Roan; Laugesen, Miriam J; Yesus, Ambeshie; Escarce, José J

    2011-10-01

    Affordability is integral to the success of health care reforms aimed at ensuring universal access to health insurance coverage, and affordability determinations have major policy and practical consequences. This article describes factors that influenced the determination of affordability benchmarks and premium-contribution requirements for Children's Health Insurance Program (CHIP) expansions in three states that sought to universalize access to coverage for youth. It also compares subsidy levels developed in these states to the premium subsidy schedule under the Affordable Care Act (ACA) for health insurance plans purchased through an exchange. We find sizeable variability in premium-contribution requirements for children's coverage as a percentage of family income across the three states and in the progressivity and regressivity of the premium-contribution schedules developed. These findings underscore the ambiguity and subjectivity of affordability standards. Further, our analyses suggest that while the ACA increases the affordability of family coverage for families with incomes below 400 percent of the federal poverty level, the evolution of CHIP over the next five to ten years will continue to have significant implications for low-income families.

  1. Moostes taas mõtte- ja kunstitalgud

    Index Scriptorium Estoniae

    2002-01-01

    17. ja 18. VIII lõpetatakse Moostes teised "Postsovkhozi" mõtte- ja keskkonnakunsti talgud "Kihid". Organiseerijad Evelyn Müürsepp ja Maia Möller. Moostes nädal aega elanud ja loonud kunstnikud. Seminari kavast, esinejatest, filmiprogrammist

  2. Teadus- ja erialaraamatukogudel oma päev ja aasta teo auhind / Kristina Rallmann

    Index Scriptorium Estoniae

    Rallmann, Kristina

    2008-01-01

    Esimene teadus- ja erialaraamatukogude päev toimus 22. oktoobril 2008 Tallinna majanduskoolis, teadusraamatukogu aasta teo auhind läks RR-i virtuaaalnäitusele "Meie parlament ja aeg: fakte, sündmusi, dokumente, inimesi" ning erialaraamatukogu aasta teo auhind Eesti Pimedate Raamatukogu töörühmale heliteavikute CD-plaatidele automatiseeritud paljundamise ja posti teel laenutamise süsteemi eest

  3. The Loss Aversion / Narrow Framing Approach to the Equity Premium Puzzle

    OpenAIRE

    Nicholas Barberis; Ming Huang

    2006-01-01

    We review a recent approach to understanding the equity premium puzzle. The key elements of this approach are loss aversion and narrow framing, two well-known features of decision-making under risk in experimental settings. In equilibrium, models that incorporate these ideas can generate a large equity premium and a low and stable risk-free rate, even when consumption growth is smooth and only weakly correlated with the stock market. Moreover, they can do so for parameter values that correspo...

  4. Suvi ja koerad / Marko Tiidelepp

    Index Scriptorium Estoniae

    Tiidelepp, Marko

    2013-01-01

    Millele pöörata tähelepanu suvel, et koer oleks kaitstud ja terve ning 2013. aasta suvel toimuvatest koertenäitustest, kuulekuskoolituse meistrivõistlustest, agility-võistlustest ja teistest üritustest koertele ja nende kasvatajatele

  5. Integroitu projektitoimitus lisä- ja korjausrakentamisessa

    OpenAIRE

    Söderström, P. (Pia)

    2013-01-01

    Tiivistelmä Työn tarkoituksena on tarkastella toimijoiden integroinnin mahdollisuuksia lisä- ja korjausrakennushankkeissa. Työssä selvitetään, mitä toimijoita sekä miten ja milloin toimijat tulisi ottaa mukaan hankkeeseen, jotta hanketta voitaisiin optimoida kokonaisuutena ja sitä kautta taata parempi toimijoiden tyytyväisyys ja projektin arvontuottokyky. Työssä luodaan perusta lisä- ja korjausrakentamisen hankkeiden tehokk...

  6. Diabetesta sairastavan alaraajahaavapotilaan elintavat ja omaseuranta

    OpenAIRE

    Jaatinen, Noora

    2015-01-01

    Tämän opinnäytetyön tutkimuksella oli tarkoitus kuvata alaraajahaavaa sairastavien diabeetikoiden omaseurannan ja elintapojen toteutumista. Tutkimuksen tavoitteena oli tuottaa tietoa alaraajahaavaa sairastavien diabeetikoiden elintavoista ja omaseurannan toteutumisesta haavahoitajille ja jalkatyöryhmälle. Näin he voivat tarttua tutkimuksessa ilmi tulleisiin puutteellisiin kohtiin ja sen myötä ohjata potilasta parempiin elintapoihin sekä kannustaa tunnollisempaan ja parempaan omaseurantaan vas...

  7. Päike ja pall : [luuletused] / Ott Arder

    Index Scriptorium Estoniae

    Arder, Ott

    2001-01-01

    Sisu: Päike ja pall ; Õuna ja lõuna ; Kõige ilusam asi ; Emajõgi ; Väikemehe probleem ; Küünal ; Kapten ; Kaksteist kilu ja kaks teist kilu ; Suur ja seisev, ripub seinal ; Laul tagumisest vagunist ; Ultimaatum ; Ilus algus ; Pliiat(siga) ; Mure ja Amour ; kodust ja loomadest ; Eesli jõulupuu ; Aja saapad ; Lendav järv ; Unenäolaul ; Tere hommikust ja õhtust ; Kõik, mis juhtub ja ei juhtu ; Kas panna päkka või visata varvast ; Lihtne mees ; Väljaütlev ; Külm sõda ; Ohkav kruvi ; Metsa all ; Lauluke ; Unemetsades ; Suur rõõm ja väike mure ; Hea muusika ; Koer poiss ja plika ; Kes mängida veel ei oska ; Raske lumi ; Mere kaldal ; Unenäoukse taga

  8. Muusikamaailm : Milano La Scala sulgeb uksed. Schönberg ja Kandinsky. Preemiaid ja tunnustusi. Witold Szalonek lahkunud. / Priit Kuusk

    Index Scriptorium Estoniae

    Kuusk, Priit, 1938-

    2002-01-01

    Milano La Scala suletakse kaheks aastaks ümberehituseks ja renoveerimiseks. Moskvas toimub näitus ja kontserdisari "Schönberg ja Kandinsky ئ maalikunst ja muusika dialoogis". Erinevaid preemiaid ja tunnustusi saanud muusikad. 74aastasena suri Berliinis nimekas poola helilooja, pianist ja pedagoog Witold Szalonek

  9. Workplace Variation in Fatherhood Wage Premiums: Do Formalization and Performance Pay Matter?

    OpenAIRE

    Fuller, Sylvia; Cooke, Lynn

    2018-01-01

    Parenthood contributes substantially to broader gender wage inequality. The intensification of gendered divisions of paid and unpaid work after the birth of a child create unequal constraints and expectations such that, all else equal, mothers earn less than childless women, but fathers earn a wage premium. The fatherhood wage premium, however, varies substantially among men. Analyses of linked workplace-employee data from Canada reveal how organizational context conditions educational, occup...

  10. Health benefits in 2013: moderate premium increases in employer-sponsored plans.

    Science.gov (United States)

    Claxton, Gary; Rae, Matthew; Panchal, Nirmita; Damico, Anthony; Whitmore, Heidi; Bostick, Nathan; Kenward, Kevin

    2013-09-01

    Employer-sponsored health insurance premiums rose moderately in 2013, the annual Kaiser Family Foundation/Health Research and Educational Trust (Kaiser/HRET) Employer Health Benefits Survey found. In 2013 single coverage premiums rose 5 percent to $5,884, and family coverage premiums rose 4 percent to $16,351. The percentage of firms offering health benefits (57 percent) was similar to that in 2012, as was the percentage of workers at offering firms who were covered by their firm's health benefits (62 percent). The share of workers with a deductible for single coverage increased significantly from 2012, as did the share of workers in small firms with annual deductibles of $1,000 or more. Most firms (77 percent), including nearly all large employers, continued to offer wellness programs, but relatively few used incentives to encourage employees to participate. More than half of large employers offering health risk appraisals to workers offered financial incentives for completing the appraisal.

  11. The individual insurance market before reform: low premiums and low benefits.

    Science.gov (United States)

    Whitmore, Heidi; Gabel, Jon R; Pickreign, Jeremy; McDevitt, Roland

    2011-10-01

    Based on analyses of individual market health plans sold through ehealthinsurance and enrollment information collected from individual market carriers, this article profiles the individual health insurance market in 2007, before health reform. The article examines premiums, plan enrollment, cost sharing, and covered benefits and compares individual and group markets. Premiums for the young are lower than in the group market but higher for older people. Cost sharing is substantial in the individual insurance market. Seventy-eight percent of people were enrolled in plans with deductibles for single coverage, which averaged $2,117. Annual out-of-pocket maximums averaged $5,271. Many plans do not cover important benefits. Twelve percent of individually insured persons had no coverage for office visits and only 43% have maternity benefits in their basic coverage. With the advent of health exchanges and new market rules in 2014, covered benefits may become richer, cost sharing will decline, but premiums for the young will rise.

  12. Muutumatud ja muutuvad / Meelis Friedenthal

    Index Scriptorium Estoniae

    Friedenthal, Meelis, 1973-

    2016-01-01

    Varauusaja nn. universaalsest inimesest. Aristotelese kümnest kategooriast. Ülikoolidest ja seal õpetatud distsipliinidest varauusajal. Distsipliinide ühisest eesmärgist - kuidas hästi ja õigesti elada. Teaduse ja religiooni vastandumine sai võimalikuks alles siis kui ühendteooria vahetus mehhanistliku maailmapildi vastu. Keskajal ja varauusajal oli võimalik vaimsetes asjades teatud kindlus, sest kõik asjad olid viidud ühistele alustele. Kaasaja ühiskonnaprobleemid ei ole lahendatavad ainult tehnokraatlike vahenditega

  13. Jalkojen ihon suojaus- ja kevennyskoulutus

    OpenAIRE

    Lokka, Maija

    2016-01-01

    Tämän opinnäytetyön tarkoituksena on tuottaa koulutusvideo demonstraation keinoin tukemaan Mills Enterprises Ltd Oy:n tuoteviestintää jalkojenhoidon ammattilaisille, kosmetologeille sekä alan opiskelijoille. Video tuotetaan yhteistyössä viestintäalan ammattilaisten kanssa. Tavoitteena on tuottaa tiivis tietopaketti yleisimpien jalkaongelmien ennaltaehkäisyyn ja hoitoon ihon suojaus- ja kevennystuotteiden avulla. Perinnölliset ja ulkoiset tekijät voivat aiheuttaa ongelmia jalkojen iholle ja va...

  14. Modeling foreign exchange risk premium in Armenia

    Czech Academy of Sciences Publication Activity Database

    Poghosyan, T.; Kočenda, E.; Zemčík, Petr

    2008-01-01

    Roč. 44, č. 1 (2008), s. 41-61 ISSN 1540-496X R&D Projects: GA MŠk LC542 Institutional research plan: CEZ:AV0Z70850503 Keywords : foreign exchange risk premium * Armenia * affine term structure models Subject RIV: AH - Economics Impact factor: 0.611, year: 2008

  15. AN EMPIRICAL ANALYSIS OF VARIETY PRICE PREMIUM ...

    African Journals Online (AJOL)

    Location price difference was inversely related to distance from the central commodity market, and the seasonal price difference was attributed to storage technique. These show imperfect competitive market behaviour. Peu/drum with characteristics of brown colour, rough skin and large grain size had a price premium than ...

  16. Hoolime ja vastutame / Hallar Meybaum

    Index Scriptorium Estoniae

    Meybaum, Hallar

    2005-01-01

    Keemiatööstuse liitude vabatahtlik sihtalgatus Hoolime ja Vastutame on ellu kutsutud liikmesettevõtete tegevuse ja toodete, tervishoiu, ohutuse, keskkonnakaitse, avalikkuse kaasamise ning tööstusharust teavitamise parandamiseks. Programmiga liitunud Eesti ettevõtete tegevusest. Lisatud statistilised joonised ja tabelid

  17. Laps ja loodus / Patrik Grahn

    Index Scriptorium Estoniae

    Grahn, Patrik

    2009-01-01

    Looduses viibimise ja mängimise tähtsusest lapse arengus. Artiklis tuginetakse uurimustele looduse, parkide ja aedade erinevate omadustega tüüpidest, eelkooliõuede õuemängude kohtadest ning looduspiirkondade tähendusest laste tervisele, motoorikale ja keskendumisvõimele

  18. Determinants of Medicare plan choices: are beneficiaries more influenced by premiums or benefits?

    Science.gov (United States)

    Jacobs, Paul D; Buntin, Melinda B

    2015-07-01

    To evaluate the sensitivity of Medicare beneficiaries to premiums and benefits when selecting healthcare plans after the introduction of Part D. We matched respondents in the 2008 Medicare Current Beneficiary Survey to the Medicare Advantage (MA) plans available to them using the Bid Pricing Tool and previously unavailable data on beneficiaries' plan choices. We estimated a 2-stage nested logit model of Medicare plan choice decision making, including the decision to choose traditional fee-for-service (FFS) Medicare or an MA plan, and for those choosing MA, which specific plan they chose. Beneficiaries living in areas with higher average monthly rebates available from MA plans were more likely to choose MA rather than FFS. When choosing MA plans, beneficiaries are roughly 2 to 3 times more responsive to dollars spent to reduce cost sharing than reductions in their premium. We calculated an elasticity of plan choice with respect to the monthly MA premium of -0.20. Beneficiaries with lower incomes are more sensitive to plan premiums and cost sharing than higher-income beneficiaries. MA plans appear to have a limited incentive to aggressively price their products, and seem to compete primarily over reduced beneficiary cost sharing. Given the limitations of the current plan choice environment, policies designed to encourage the selection of lower-cost plans may require increasing premium differences between plans and providing the tools to enable beneficiaries to easily assess those differences.

  19. Launeen keskuspuiston visuaalinen ilme ja infografiikka

    OpenAIRE

    Virtanen, Jenni

    2013-01-01

    Opinnäytetyön aiheena on suunnitella Launeen keskuspuistolle visuaalinen ilme ja sitä noudattavat sovellukset. Visuaaliseen ilmeen suunnitteluun kuuluu logon, typografian ja tunnusvärien suunnittelu. Sovelluksissa painotan erityisesti informatiivisia sovelluksia, kuten opastejärjestelmää, aluekarttaa ja infotaulun asettelua. Itse työ on konseptisuunnitelma. Opinnäytetyötäni varten olen tutkinut suomalaisia teema- ja kaupunkipuistoja ja niiden visuaalisia ilmeitä. Painotin tutkimuksessani e...

  20. Effect of Frozen Storage Temperature on the Quality of Premium Ice Cream.

    Science.gov (United States)

    Park, Sung Hee; Jo, Yeon-Ji; Chun, Ji-Yeon; Hong, Geun-Pyo; Davaatseren, Munkhtugs; Choi, Mi-Jung

    2015-01-01

    The market sales of premium ice cream have paralleled the growth in consumer desire for rich flavor and taste. Storage temperature is a major consideration in preserving the quality attributes of premium ice cream products for both the manufacturer and retailers during prolonged storage. We investigated the effect of storage temperature (-18℃, -30℃, -50℃, and -70℃) and storage times, up to 52 wk, on the quality attributes of premium ice cream. Quality attributes tested included ice crystal size, air cell size, melting resistance, and color. Ice crystal size increased from 40.3 μm to 100.1 μm after 52 wk of storage at -18℃. When ice cream samples were stored at -50℃ or -70℃, ice crystal size slightly increased from 40.3 μm to 57-58 μm. Initial air cell size increased from 37.1 μm to 87.7 μm after storage at -18℃ for 52 wk. However, for storage temperatures of -50℃ and -70℃, air cell size increased only slightly from 37.1 μm to 46-47 μm. Low storage temperature (-50℃ and -70℃) resulted in better melt resistance and minimized color changes in comparison to high temperature storage (-18℃ and -30℃). In our study, quality changes in premium ice cream were gradually minimized according to decrease in storage temperature up to-50℃. No significant beneficial effect of -70℃ storage was found in quality attributes. In the scope of our experiment, we recommend a storage temperature of -50℃ to preserve the quality attributes of premium ice cream.

  1. Sotsiaalsed probleemid Eesti ühiskonnas - meeste ja naiste hinnangud 1993. ja 1998. aastal / Eda Heinla

    Index Scriptorium Estoniae

    Heinla, Eda, 1953-

    2001-01-01

    Uurimusest, mille andmestik pärineb TPÜ Rahvusvaheliste ja Sotsiaaluuringute Instituudi perekonnasotsioloogide poolt 1993. ja 1998.a. läbi viidud elanikkonnaküsitlustest "Eesti 93" ja "Eesti 98", kus ühe bloki moodustas sotsiaalsete probleemide küsimustik

  2. Gender, Productivity, and the Marital Wage Premium

    Science.gov (United States)

    Lincoln, Anne E.

    2008-01-01

    Explanations for married men's wage premium often emphasize greater market productivity due to a gendered division of household labor, though this "specialization thesis" has been insufficiently interrogated. Using data from Wave 2 of the National Survey of Families and Households (N = 972), this paper examines the relationship between wages and…

  3. 78 FR 59366 - Multifamily, Healthcare Facilities, and Hospital Mortgage Insurance Premiums for Fiscal Year (FY...

    Science.gov (United States)

    2013-09-26

    ... Facilities, and Hospital Mortgage Insurance Premiums for Fiscal Year (FY) 2014 AGENCY: Office of the... with HUD regulations, this Notice announces the mortgage insurance premiums (MIPs) for Federal Housing Administration (FHA) Multifamily, Healthcare Facilities, and Hospital mortgage insurance programs that have...

  4. Liikelahjat mikro- ja pk-yrityksissä

    OpenAIRE

    Danhammer, Joni

    2014-01-01

    Liikelahjat ovat osa yrityksen menekinedistämistä ja kuuluvat tiiviisti yrityksen markkinointiviestintään. Kuitenkin yleinen talouden kiristynyt tilanne ja vuoden 2014 alussa voimaan astunut verouudistus liikelahjojen verovähennyksissä ovat asioita, jotka vaikuttavat liikelahjojen menekkiin ja niiden antamistapojen muuttumiseen mikro- ja pk-yrityksissä. Näin ollen yrityksillä tulisi tässä tilanteessa olla selkeä käsitys siitä, millaisia liikelahjoja yritys haluaa nykyisin henkilökunnalleen ja...

  5. Economic policy uncertainty, equity premium and dependence between their quantiles: Evidence from quantile-on-quantile approach

    Science.gov (United States)

    Raza, Syed Ali; Zaighum, Isma; Shah, Nida

    2018-02-01

    This paper examines the relationship between economic policy uncertainty and equity premium in G7 countries over a period of the monthly data from January 1989 to December 2015 using a novel technique namely QQ regression proposed by Sim and Zhou (2015). Based on QQ approach, we estimate how the quantiles of the economic policy uncertainty affect the quantiles of the equity premium. Thus, it provides a comprehensive insight into the overall dependence structure between the equity premium and economic policy uncertainty as compared to traditional techniques like OLS or quantile regression. Overall, our empirical evidence suggests the existence of a negative association between equity premium and EPU predominately in all G7 countries, especially in the extreme low and extreme high tails. However, differences exist among countries and across different quantiles of EPU and the equity premium within each country. The existence of this heterogeneity among countries is due to the differences in terms of dependency on economic policy, other stock markets, and the linkages with other country's equity market.

  6. Evolutsioonilised kaalutlused ja filosoofia / Tiiu Hallap

    Index Scriptorium Estoniae

    Hallap, Tiiu

    1999-01-01

    Solipsistlikust ja mittesolipsistlikust reaktsioonist, bioloogilisest ja psühholoogilisest altruismist, evolutsiooniteooria sõltuvusest ühiskondlikest ideoloogiatest, Elliot Soberi evolutsioonilistest seletustest realistlikule maailmatunnetusele ja altruismile

  7. Big data -teknologian perusteet ja mahdollisuudet

    OpenAIRE

    Juurinen, Susanna

    2013-01-01

    Työn tarkoituksena oli tutkia tiedonhallintaa ja big data -ratkaisujen käytännön toteutusta, mahdollisuuksia, haasteita ja hyötyjä. Työssä kuvataan tiedon määrän kehitystä, keräysprosesseja ja -menetelmiä sekä pohditaan tiedonhallinnan vaatimuksia ja tietoturvallisuutta. Työn tarkoitus oli selvittää tiedonhallinnan ja analytiikan uusimman trendin, big datan, vaikutusmahdollisuuksia organisaatioiden toimintaan. Tiedon analytiikkaa voidaan valjastaa liiketoiminnan tai muiden toimialueiden t...

  8. Pelillisyys ja uudet teknologiat musiikin oppimisessa

    OpenAIRE

    2017-01-01

    Tämä julkaisu on osa PLAY Pelillisyys, asiantuntijuus ja yrittäjyys musiikissa -hanketta, jonka päätoteuttaja oli Jyväskylän ammattikorkeakoulu ja osato¬teuttaja Jyväskylän ammattiopisto. Hanketta rahoitti Euroopan sosiaalirahasto (ESR) Keski-Suomen Elinkeino-, liikenne- ja ympäristökeskuksen (ELY) kautta. PLAY-hankkeen päätavoitteena oli nostaa Suomalaisen musiikkikampuk¬sen henkilöstön musiikkikasvatusteknologiaan liittyvä pedagoginen osaaminen ja asiantuntijuus kansallisesti ja kansainväli...

  9. Kaupunkibrändi ja nuorten matkailumotivaatio Helsingissä ja Kööpenhaminassa

    OpenAIRE

    Liuhto, Laura; Urhola, Johanna

    2014-01-01

    Helsingin kaupungille toimeksiantona tehdyn opinnäytetyön tavoitteena on selvittää matkailumotivaation syitä sekä kaupunkibrändin ja -kulttuurin vaikutuksia matkakohteen valinnassa Helsingissä ja Kööpenhaminassa. Näiden pohjalta tehdään kehitysideoita nuorisomatkailuun Helsingin kaupungille. Työn kohderyhmänä ovat 18–26-vuotiaat nuoret aikuiset matkailijat, joista käytetään tässä työssä nimitystä nuoret. Tietoperustassa käsitellään matkailumotivaatiota ja siihen liittyviä teorioita. Tois...

  10. Rappliance - palautinkisko : uudentyyppisen kuorsauksenestokojeen suunnittelu ja valmistus

    OpenAIRE

    Parikka, Teemu

    2008-01-01

    Opinnäytetyön tarkoitus on perehtyä kirjallisuuskatsauksen avulla uniapneakiskoihin ja lopuksi suunnitellaan ja tehdään uudenlainen koje, joka on toimiva, miellyttävä käyttää ja edullinen valmistaa. Työssä selvitetään myös millä periaatteella kuorsauksenestokojeet toimivat ja millainen vaikutus niillä on potilaaseen ja uniapneaan. Työn tavoite on parantaa hammasteknikoiden ja hammaslääkäreiden tietämystä uniapneakiskoista, niiden valmistuksesta, toiminnasta ja siitä miksi niitä tarvitaan. ...

  11. Hoitajien ja vanhempien välinen vuorovaikutus

    OpenAIRE

    HASTRUP, ARJA

    2006-01-01

    Pikkulapsen mielenterveys määritellään lapsen kyvyksi kokea, säädellä ja ilmaista tunteita, muodostaa läheisiä ja turvallisia ihmissuhteita sekä tutkia ympäristöä ja oppia. Vanhempien ohjaus ja varhaisen vuorovaikutuksen tukeminen suojaavat lapsen kehitystä. Työntekijän ja vanhempien välinen hyvä vuorovaikutus on yksi edellytys intervention onnistumiselle, kun halutaan tukea lapsen ja vanhempien välistä vuorovaikutusta. Tutkielman tarkoituksena oli kuvata hoitotyöntekijöiden ja vanhempien...

  12. Kiriku maaomand ja maakasutus Eestis 19. sajandil ja 20. sajandi algul / Tiit Rosenberg

    Index Scriptorium Estoniae

    Rosenberg, Tiit, 1946-

    2013-01-01

    Evangeelse luteriusu kiriku maaomandist Eestis, kirikumaade õiguslikust alusest, suurusest ja struktuurist, kirikumõisate pidamisest, õigeusu kiriku maadest. Kiriku maavaldus oli kujunenud ajalooliselt ja oli Eesti ulatuses piirkonniti suuresti erinev

  13. Euroopa Liidu teadus ja tehnoloogia / Lembo Tanning

    Index Scriptorium Estoniae

    Tanning, Lembo

    2001-01-01

    Ilmunud ka: Buhgalterskije Novosti, nr. 7, 2001, lk. 42-47. Euroopa Liidu teaduse ja tehnoloogia areng ja hetkeseis. Tabelid ja diagrammid: töötajate arv EL-i kõrgtehnoloogia majandusharudes ja teadusintensiivses teeninduses; EL-i regioonide uurimis-arengutöödele tehtud kulutused ning patentide arv; EL-i regioonide kõrgtehnoloogia edetabel 1997; uurimis- ja arendustöödele tehtud riiklikud kulutused SKP-st 1998; teaduse ja tehnoloogia inimressursid 1999

  14. Muravskaja ja Nurk Katowices

    Index Scriptorium Estoniae

    2009-01-01

    2. Katowice biennaalil Poolas, mis toimub nime all „The European Constitution. What makes Europe?”, osalevad Eestist Tanja Muravskaja (fotoseeria "Positsioonid", video ja installatsioon "Monumendid") ja Kaarel Nurk (fotoseeria "Mehe aasta")

  15. Kleenexi ja Tampaxi pojad / Urmas Petti

    Index Scriptorium Estoniae

    Petti, Urmas, 1965-2016

    2013-01-01

    Laste ja noorte kasvamisest ja kasvatamisest tänapäeval, nende hakkamasaamisest üha keerulisemaks muutuvas ühiskonnas; autor tsiteerib Jaak Jõerüüti (romaan "Muutlik" 2010) ja kommenteerib argentiina kirjanikku Julio Cortázar'i ja briti kolumnisti võrdlevas usuteaduses Karen Armstrongi (raamat "Jumala ajalugu", orig. "A History of God" 1993)

  16. Value Premium and Country Risk as Dimensions to Estimate Conditional Returns: a Study of the Brazilian Market

    Directory of Open Access Journals (Sweden)

    Lilian de Castro Medeiros

    2015-01-01

    Full Text Available Asset pricing is a widely explored theme in the financial literature. Nevertheless, the phenomenon of value premium is still controversial, since although easily detected in developed and emerging markets, little is know about the economic forces that explain its existence. In this context, this article examines value premium in the Brazilian market and investigates the influence of the country risk variable as an additional risk factor for estimating conditional returns in this market not captured by value premium. For that, we employ a five-factor model, formulated by adding the country risk factor to the model of Carhart (1997. We apply the statistical procedure adopted by Fama & French (1993 to the period between 1994 and 2012, with data on nonfinancial companies listed on the BM&FBovespa. The results confirm the existence of value premium in the Brazilian market, and country risk and value premium together are significant factors to explain conditional returns.

  17. 24 CFR 257.203 - Calculation of up-front and annual mortgage insurance premiums for H4H program mortgages.

    Science.gov (United States)

    2010-04-01

    ... mortgage insurance premiums for H4H program mortgages. 257.203 Section 257.203 Housing and Urban... mortgage insurance premiums for H4H program mortgages. (a) Applicable premiums. Any mortgage presented for... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM...

  18. Foreign exchange risk premium determinants: case of Armenia

    Czech Academy of Sciences Publication Activity Database

    Poghosyan, Tigran; Kočenda, Evžen

    -, č. 297 (2006), s. 1-37 ISSN 1211-3298 Institutional research plan: CEZ:AV0Z70850503 Keywords : “forward premium” puzzle * exchange rate risk * time-varying risk premium Subject RIV: AH - Economics http://www.cerge-ei.cz/pdf/wp/Wp297.pdf

  19. Reactor Core Coolability Analysis during Hypothesized Severe Accidents of OPR1000

    International Nuclear Information System (INIS)

    Lee, Yongjae; Seo, Seungwon; Kim, Sung Joong; Ha, Kwang Soon; Kim, Hwan-Yeol

    2014-01-01

    Assessment of the safety features over the hypothesized severe accidents may be performed experimentally or numerically. Due to the considerable time and expenditures, experimental assessment is implemented only to the limited cases. Therefore numerical assessment has played a major role in revisiting severe accident analysis of the existing or newly designed power plants. Computer codes for the numerical analysis of severe accidents are categorized as the fast running integral code and detailed code. Fast running integral codes are characterized by a well-balanced combination of detailed and simplified models for the simulation of the relevant phenomena within an NPP in the case of a severe accident. MAAP, MELCOR and ASTEC belong to the examples of fast running integral codes. Detailed code is to model as far as possible all relevant phenomena in detail by mechanistic models. The examples of detailed code is SCDAP/RELAP5. Using the MELCOR, Carbajo. investigated sensitivity studies of Station Black Out (SBO) using the MELCOR for Peach Bottom BWR. Park et al. conduct regulatory research of the PWR severe accident. Ahn et al. research sensitivity analysis of the severe accident for APR1400 with MELCOR 1.8.4. Lee et al. investigated RCS depressurization strategy and developed a core coolability map for independent scenarios of Small Break Loss-of-Coolant Accident (SBLOCA), SBO, and Total Loss of Feed Water (TLOFW). In this study, three initiating cases were selected, which are SBLOCA without SI, SBO, and TLOFW. The initiating cases exhibit the highest probability of transitioning into core damage according to PSA 1 of OPR 1000. The objective of this study is to investigate the reactor core coolability during hypothesized severe accidents of OPR1000. As a representative indicator, we have employed Jakob number and developed JaCET and JaMCT using the MELCOR simulation. Although the RCS pressures for the respective accident scenarios were different, the JaMCT and Ja

  20. Tapahtumia ja kohtaamisia Otavamediassa

    OpenAIRE

    Hönö, Päivi

    2011-01-01

    Opinnäytetyön tavoitteena oli Otavamedian tapahtumamarkkinoinnin kehittäminen vastaamaan tämän päivän haasteisiin. Tutkimuskysymyksenä oli, mikä on brändin rooli tapahtumamarkkinoinnissa, kun huomioidaan alaan vaikuttavat trendit ja muuttunut kilpailuympäristö. Opinnäytetyö liittyi Otavamedian myynti- ja markkinointiorganisaatioon. Koska kysymys on kyseisten tahojen yhteistyöstä, etsittiin opinnäytetyössä vastauksia seuraaviin kysymyksiin: mikä on tapahtumamarkkinoinnin rooli myynti- ja markk...

  1. Sõprusest ja armastusest / Kristi Paap

    Index Scriptorium Estoniae

    Paap, Kristi

    2011-01-01

    Eesti, läti ja leedu keraamikanäitus "Družba narodov ehk rahvaste sõprus" Eesti Tarbekunsti- ja Disainimuuseumis 10. aprillini 2011. 15 osalejat loetletud. Domilė Ragauskaitė (Leedu), Tõnis Kriisa, Ingrid Alliku ja Tiina Kaljuste töödest. Leo Rohlini fragmentaarium " Nokturn" Tallinnas galeriis Hop 22. veebr. 2011

  2. Energeetikast ja maagaasist / Einari Kisel

    Index Scriptorium Estoniae

    Kisel, Einari, 1972-

    2007-01-01

    Maagaasi osa Eesti energiabilansis on kasvanud 10,8%-lt 1995.a. 15,5%-ni 2005. a. Regionaalse gaasituru arengu mõju Eestile: Läänemerre kavandatav Venemaa ja Saksamaa gaasitoru, Eesti ja Soome vahelise gaasitoru Balticconnector uuringud, kaugemates plaanides Balti regiooni vedelgaasi terminali rajamine, uute maagaasi hoidlate rajamine Lätisse ja Leetu

  3. Tutkintavankien olot ja oikeuksien toteutuminen

    OpenAIRE

    Rantala, Kati; Tyni, Sasu; Koskenniemi, Lauri; Liimatainen, Anu; Kääriäinen, Henri

    2017-01-01

    Kriminologian ja oikeuspolitiikan instituutin tutkimuksessa on tarkasteltu tutkintavankien oloja ja oikeuksien toteutumista. Analyysi perustuu tutkintavangeille suunnattuun lomakekyselyyn, joka toteutettiin syksyllä 2015. Suurin osa vastaajista oli yleisesti ottaen tyytyväisiä oloihinsa, oikeuksiensa toteutumiseen ja toimintamahdollisuuksiin tutkintavankilassa. Toisaalta vakaviakin puutteita ilmeni, eli tulosten mukaan tutkintavankien asemassa on runsaasti korjaamisen varaa. Moneen tutkimukse...

  4. 24 CFR 4001.203 - Calculation of upfront and annual mortgage insurance premiums for Program mortgages.

    Science.gov (United States)

    2010-04-01

    ... mortgage insurance premiums for Program mortgages. 4001.203 Section 4001.203 Housing and Urban Development... HOMEOWNERS PROGRAM HOPE FOR HOMEOWNERS PROGRAM Rights and Obligations Under the Contract of Insurance § 4001.203 Calculation of upfront and annual mortgage insurance premiums for Program mortgages. (a...

  5. Kuuntele ja osallistu - Sosiaalinen media myynnin ja markkinoinnin tukena

    OpenAIRE

    Lönnblad, Hanna

    2010-01-01

    Sosiaalinen media on tullut jäädäkseen. Viimeisen kymmenen vuoden aikana IRC-Gallerian, Habbo Hotelin ja Facebookin kaltaiset palvelut ovat omineet itselleen kasvavan osan nykyihmisen ajankäytöstä niin töissä, kouluissa kuin vapaa-ajalla. Sosiaalisen median palveluita pidetään teinien leikkipaikkoina, mutta tosiasiassa uusi media tarjoaa rajattomasti potentiaalia myös yritystoiminnan kehittämiseen ja kasvattamiseen kaiken-kokoisille yrityksille. Virtuaalista maailmaa ei tule väheksyä. Opi...

  6. Resignatsioonis ja lootuses / Paul-Eerik Rummo

    Index Scriptorium Estoniae

    Rummo, Paul-Eerik, 1942-

    2010-01-01

    Ettekanne kodu- ja väliseesti kirjanike kohtumisel Helsingi Ülikoolis 15.-16. mail 1989. Poliitikast ja kirjandusest, Nõukogude Eesti kirjandusest. Artur Alliksaare, Uku Masingu ja Kersi Merilaasi loomingust

  7. FutisFun - Liikuntatapahtuman suunnittelu ja toteutus

    OpenAIRE

    Rasmus, Rebecca; Järvelä, Jenny

    2017-01-01

    Tämä opinnäytetyö toteutettiin kahden opiskelijan yhteistyönä. Toinen tekijöistä opiskelee ammattikorkeakoulu Arcadassa ja toinen Haaga-Helian ammattikorkeakoulussa. Työstä on tehty Arcadan vaatimusten mukaisesti myös ruotsinkielinen pidempi tiivistelmä, joka on työn lopussa liitteenä. Opinnäytetyössä perehdytään tapahtuman järjestämiseen ja markkinointiin sekä lasten ja nuorten motivointiin, ja työssä suunnitellaan ja toteutetaan jalkapallotapahtuma 5-12 – vuotiaille tytöille. Opinnäyte...

  8. Laadun- ja riskienhallinta johtamisjärjestelmässä ISO 9001:2015 ja ISO 31000:2009 mukaisesti

    OpenAIRE

    Reinvall, Niko; Karhunen, Joonas

    2015-01-01

    Tämän opinnäytetyön tarkoituksena on tarkastella riskienhallinnan ja laadunhallintajärjestelmien suhdetta ISO 9001:2015 ja ISO 31000:2009-standardien viitekehyksessä, tutkimuskysymyksen ollessa ”miten ja miksi integroida ISO 9001 mukaista laadunhallintaa ja ISO 31000 mukaista riskienhallintaa organisaation johtamisjärjestelmään”. Lisäksi työssä tarkastellaan standardien välisiä yhtymäkohtia ja riskienhallinnan merkitystä ISO 9001:2015 mukaisessa laadunhallintajärjestelmässä. Työn tilaaja...

  9. The Impact of the Term Auction Facility on the Liquidity Risk Premium and Unsecured Interbank Spreads

    OpenAIRE

    Syrstad, Olav

    2014-01-01

    This paper investigates the effectiveness of the Federal Reserve's Term Auction Facility (TAF) in alleviating the liquidity shortage in USD and reducing the spread between the 3-month Libor rate and the expected policy rate. I construct a proxy for the 3-month liquidity risk premium based on data from the FX forward market which enables me to (i) decompose the Libor spread into a liquidity premium and a credit premium, and (ii) test the effectiveness of the TAF in reducing the liquidity premi...

  10. Piip ja Tuut ootavad Amarillosse ja Coca-Cola Plazasse perepäevale

    Index Scriptorium Estoniae

    2004-01-01

    Kord kuus, septembrist 2004 kuni 2005.a. maini korraldatavatest perepäevadest. C-C Plazas on perepäevade ajal kavas eriprogramm ja enne või pärast filmi on pered oodatud Viru hotelli restorani Amarillo, kus kavas spetsiaalne lasteprogramm klounidelt Piip ja Tuut

  11. Interjööri kujunduse ja moekunsti seosed ja vastasmõjud / Jane Kukk

    Index Scriptorium Estoniae

    Kukk, Jane

    2011-01-01

    Teoreetilise uurimuse eesmärgiks oli vaadelda disaini laiemalt, kõrvutades moe- ja interjööridisaini, looduskeskkonna, sotsiaalpoliitilise ja kultuuriruumi mõjutusi sellele ning jõudes järeldusele, et kõik disaini valdkonnad on tänu disainimise protsessi samale mudelile sarnased, on omavahel seotud ja võivad üksteist mõjutada, eriti tingimustes, kus moetööstus on laiendanud oma tegevust interjööri valdkonda, soovides luua terviklikku elustiili paketti tänapäeva tarbimisühiskonnas

  12. 38 CFR 8.5 - Authorization for deduction of premiums from compensation, retirement pay, or pension.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Authorization for deduction of premiums from compensation, retirement pay, or pension. 8.5 Section 8.5 Pensions, Bonuses, and... Authorization for deduction of premiums from compensation, retirement pay, or pension. Deductions from benefits...

  13. The equity risk premium: A review of models

    OpenAIRE

    Duarte, Fernando; Rosa, Carlo

    2015-01-01

    We estimate the equity risk premium (ERP) by combining information from twenty models. The ERP in 2012 and 2013 reached heightened levels - of around 12 percent - not seen since the 1970s. We conclude that the high ERP was caused by unusually low Treasury yields.

  14. Kasvukeskkond ja andekus / Marika Veisson

    Index Scriptorium Estoniae

    Veisson, Marika, 1949-

    2001-01-01

    Imikute ja väikelastega läbi viidud longituuduuringu eesmärgiks oli välja selgitada kasvukeskkonna faktorite mõju väikelapse intellekti arengule. Töös osalesid professorid M. Vikat, V. Kolga, teadur A. Vikat, doktor E. Tomberg, magistrandid M. Laane, K. Nugin ja I. Tuisk ning V. Vallner ja A. Veber

  15. Igal pool ja mitte kuskil / Piibe Piirma

    Index Scriptorium Estoniae

    Piirma, Piibe

    2006-01-01

    Võrgu- ehk netikunsti ajaloost ja arengust. Korea kunstniku Nam June Paiki, Vene kunstnike Aleksei Shulgini ja Olja Ljalina, hollandi fotograafi Joan Heemskerk'i, belgia kunstniku Dirk Paesmans'i, sloveeni kunstnike Vuk Cosic'i ja Marko Pelijhan'i, kanada kunstniku Robert Adrian X-i, saksa kunstnike Wolfgang Staehle, Rena Tangens'i ja Cornelia Sollfranki tegevusest. Šveitsi kunstirühmituse "Etoy" performance'ist "Toywar". Lühidalt eesti võrgukunstist, Mare Tralla ja Tiia Johannsoni tegevusest. Repliigid Heie Treierilt ja Raivo Kelomehelt

  16. Trends in the use and advertising of discount versus premium snuff.

    Science.gov (United States)

    Timberlake, David S; Pechmann, Cornelia

    2013-02-01

    The Conwood Company, a major producer of discount moist snuff, was awarded a $1 billion antitrust settlement in the year 2000 against its leading competitor, the U.S. Smokeless Tobacco Company. The objective of this study was to examine the trends in use and advertising of discount versus premium snuff since the Conwood settlement, a topic seldom addressed in the tobacco control literature. 2 sources of data were analyzed in 2011: (a) male snuff users from the 2002-2009 National Surveys on Drug Use and Health (N = 13,172) and (b) total advertisements of moist snuff identified from over 350 consumer magazines dated 2005-2009 (N = 861). For the survey data, demographic and tobacco-related measures were assessed as predictors of use of discount versus premium snuff in logistic regression models. For the advertising data, associations were examined between the snuff category and nicotine content, magazine youth readership, and year of magazine publication. The prevalence of discount and premium snuff use among males increased and decreased, respectively, from 2002 to 2009. Significant predictors of using discount versus premium snuff were being an adolescent, being an African-American, being a current or former smoker, living in a less populated region of the country, and using snuff frequently. Discount snuff advertising was associated with publication in magazines with a high youth readership. Discount snuff has grown in popularity among male adolescents who have been a target of advertising. The tobacco's cheap price and high nicotine content pose a public health problem because of the potential for long-term tobacco use and dependence.

  17. Risk premium in the UK natural gas forward market

    International Nuclear Information System (INIS)

    Hobaek Haff, Ingrid; Lindqvist, Ola; Loeland, Anders

    2008-01-01

    This report investigates the UK natural gas market, and tests whether it is a fair-game efficient forward market, using forward contracts ranging from one to five months time to delivery. The forward and spot price series are separately non-stationary, but cointegrated. Furthermore, the forward prices are biased predictors of both the future spot and the 1-month-ahead forward price. The risk premium on the forward prices is positive, as opposed to the US gas market, where the risk premium was found to be negative in similar work. Moreover, the analysis reveals that the storage model is an incomplete model for the relationship between the spot and forward prices. However, storage has a clear effect on this relationship, an effect that appears to be non-linear. (author)

  18. What should be the basis for compulsory and optional health insurance premiums? Opinions of Swiss doctors.

    Science.gov (United States)

    Jannot, Anne-Sophie; Perneger, Thomas V

    2014-02-04

    Little is known about doctors' opinions on how to finance health services. In Switzerland, mandatory basic health insurance currently uses regional flat fees that are unrelated to health and ability to pay, and optional complementary insurance uses risk-based premiums. Our objective was to assess Swiss physicians' opinions on what should determine health insurance premiums. We surveyed doctors in the canton of Geneva, Switzerland, about the desirable funding mechanism for mandatory health insurance and complementary health insurance. The proposed determinants of insurance premiums were current health and past medical history, lifestyle, healthcare costs in the previous year, genetic susceptibility to disease, regional average healthcare costs, household income, and wealth and demographic characteristics. Among the 1,516 respondents, only a few (insurance premium should depend on health risk (health status, previous costs, genetics, and age and sex). More than 30% of respondents supported premiums based on lifestyle (34.6%), regional average health expenditures (31.2%), and household income and wealth (39.6%). For complementary health insurance, most respondents supported premiums based on lifestyle (74.6%) and on health risk (46.4%), but surprisingly also on household income and wealth (44.9%) and regional average health expenditures (39.4%). The characteristic most influencing the answers was the medical specialty. Doctors' opinions about healthcare financing mechanisms varied considerably, for both mandatory and complementary health insurance. Lifestyle was a surprisingly frequent choice, even though this criterion is not currently used in Switzerland. Ability to pay was not supported by the majority.

  19. Ilves sõitis Saksamaale ja Hollandisse

    Index Scriptorium Estoniae

    2007-01-01

    President Toomas Hendrik Ilves sõitis töövisiidile Saksamaale ja Hollandisse. President osaleb Berliinis konverentsil "Kontinentide konkurents - tulevikku kujundavad Saksamaa ja Euroopa" ning kohtub Saksamaa parlamendisaadikutega. Haagis kohtuvad T. H. Ilves ja proua Evelin Ilves Madalmaade kuninganna Beatrix'i, välisminister Maxime Jacques Marcel Verhageni ja Haagi linnapeaga ning külastavad dirigent Neeme Järvi 70. sünnipäeva kontserti

  20. Kirjutamisest ja kirjutamise õpetamisest / Anne Uusen

    Index Scriptorium Estoniae

    Uusen, Anne

    2001-01-01

    Kirjutamise olemusest, kirjutamise motiveerimisest, kirjutamise (õpetamise ja õppimise) eesmärgid ja ülesanded. 1998/2000 õa. jooksul täienduskoolituses ja kaugõppes õppivate algklassiõpetajate hulgas läbi viidud küsitlusest, eesmärgiga uurida, mida õpetajad kirjutamise juures tähtsaks peavad, milliseid kirjutamisülesandeid nad õpilastele annavad ning milline on õpetajate enesehinnang oma koolitusele ja teadmistele kirjutamisest

  1. Paraproletariaat ja vilets Valgre / Sandra Jõgeva

    Index Scriptorium Estoniae

    Jõgeva, Sandra, 1976-

    2008-01-01

    Eesti Kunstiakadeemia interdistsiplinaarsete kunstide osakonna ning Pärnu filmi- ja videofestivali alternatiivkino "Le Cinema Extraordinaire" (kuraatorid Erik Alalooga ja Ville-Karel Viirelaid) Tallinnas Nongrata Kunstikonteineris kultuuritehases Polymer 1.-22. II. Minna Hindi autoriõhtu (filmid "Kolm pilti elust ja ajast" ning "Sees või väljas") ja Jaan-Jürgen Klausi filmid "Sinitäheke" (peategelane Erkki Hüva) ning "Erakpoeet Marko Kompus"

  2. Eesti ja USA sõlmisid kokkuleppe

    Index Scriptorium Estoniae

    2017-01-01

    Kaitseminister Margus Tsahkna ja Ameerika Ühendriikide suursaadik Eestis James Melville allkirjastasid Eesti ja USA kaitsekoostöö kokkuleppe, mis hakkab reguleerima Eestis viibivate USA relvajõudude liikmete, nende pereliikmete ja lepinglaste õiguslikku staatust

  3. Determinants of premiums in aerospace mergers and acquisitions: A preliminary analysis

    Science.gov (United States)

    Bryant, John K.

    There is a large body of literature on different aspects of premiums as they relate to mergers and acquisitions. However, there is very little literature that specifically discusses the determinants of premiums in aerospace. Few industries have experienced the prolonged consolidation that the aerospace industry has seen. Today, the industry is dominated by a few large firms, but there is still merger activity continuing especially with second-tier firms attempting to secure their future through growth. This paper examines several determinants as applied to 18 aerospace mergers of publicly held companies and divisions from 1991 through April of 2002.

  4. Model estimation of claim risk and premium for motor vehicle insurance by using Bayesian method

    Science.gov (United States)

    Sukono; Riaman; Lesmana, E.; Wulandari, R.; Napitupulu, H.; Supian, S.

    2018-01-01

    Risk models need to be estimated by the insurance company in order to predict the magnitude of the claim and determine the premiums charged to the insured. This is intended to prevent losses in the future. In this paper, we discuss the estimation of risk model claims and motor vehicle insurance premiums using Bayesian methods approach. It is assumed that the frequency of claims follow a Poisson distribution, while a number of claims assumed to follow a Gamma distribution. The estimation of parameters of the distribution of the frequency and amount of claims are made by using Bayesian methods. Furthermore, the estimator distribution of frequency and amount of claims are used to estimate the aggregate risk models as well as the value of the mean and variance. The mean and variance estimator that aggregate risk, was used to predict the premium eligible to be charged to the insured. Based on the analysis results, it is shown that the frequency of claims follow a Poisson distribution with parameter values λ is 5.827. While a number of claims follow the Gamma distribution with parameter values p is 7.922 and θ is 1.414. Therefore, the obtained values of the mean and variance of the aggregate claims respectively are IDR 32,667,489.88 and IDR 38,453,900,000,000.00. In this paper the prediction of the pure premium eligible charged to the insured is obtained, which amounting to IDR 2,722,290.82. The prediction of the claims and premiums aggregate can be used as a reference for the insurance company’s decision-making in management of reserves and premiums of motor vehicle insurance.

  5. Patient-centered and visual quality outcomes of premium cataract surgery: a systematic review.

    Science.gov (United States)

    Wang, Sophia Y; Stem, Maxwell S; Oren, Gale; Shtein, Roni; Lichter, Paul R

    2017-06-26

    Over 8 million cataract surgeries are performed in the United States and the European Union annually, with many patients choosing to pay out of pocket for premium options including premium intraocular lens implants (IOLs) or laser-assisted cataract surgery (LACS). This report provides a systematic review evaluating patient-centered and visual quality outcomes comparing standard monofocal IOLs to premium cataract surgery options. PubMed and EMBASE were searched for publications published between January 1, 1980, and September 18, 2016, on multifocal, accommodative, and toric IOLs, monovision, and LACS, which reported on 1) dysphotopsias, 2) contrast sensitivity, 3) spectacle independence, 4) vision-related quality of life or patient satisfaction, and 5) IOL exchange. Multifocal lenses achieved higher rates of spectacle independence compared to monofocal lenses but also had higher reported frequency of dysphotopsia and worse contrast sensitivity, especially with low light or glare. Accommodative lenses were not associated with reduced contrast sensitivity or more dysphotopsia but had only modest improvements in spectacle independence compared to monofocal lenses. Studies of monovision did not target a sufficiently myopic outcome in the near-vision eye to achieve the full potential for spectacle independence. Patients reported high levels of overall satisfaction regardless of implanted IOL. No studies correlated patient-reported outcomes with patient expectations. Studies are needed to thoroughly compare patient-reported outcomes with concomitant patient expectations. In light of the substantial patient costs for premium options, patients and their surgeons will benefit from a better understanding of which surgical options best meet patients' expectations and how those expectations can be impacted by premium versus monofocal-including monovision-options.

  6. Children's health insurance program premiums adversely affect enrollment, especially among lower-income children.

    Science.gov (United States)

    Abdus, Salam; Hudson, Julie; Hill, Steven C; Selden, Thomas M

    2014-08-01

    Both Medicaid and the Children's Health Insurance Program (CHIP), which are run by the states and funded by federal and state dollars, offer health insurance coverage for low-income children. Thirty-three states charged premiums for children at some income ranges in CHIP or Medicaid in 2013. Using data from the 1999-2010 Medical Expenditure Panel Surveys, we show that the relationship between premiums and coverage varies considerably by income level and by parental access to employer-sponsored insurance. Among children with family incomes above 150 percent of the federal poverty level, a $10 increase in monthly premiums is associated with a 1.6-percentage-point reduction in Medicaid or CHIP coverage. In this income range, the increase in uninsurance may be higher among those children whose parents lack an offer of employer-sponsored insurance than among those whose parents have such an offer. Among children with family incomes of 101-150 percent of poverty, a $10 increase in monthly premiums is associated with a 6.7-percentage-point reduction in Medicaid or CHIP coverage and a 3.3-percentage-point increase in uninsurance. In this income range, the increase in uninsurance is even larger among children whose parents lack offers of employer coverage. Project HOPE—The People-to-People Health Foundation, Inc.

  7. Võrdlev brändiuuring : NKB, Tallinn 2007 ja NPNK, Tallinn ja Tartu 2005 : noor kunst / Andreas Trossek

    Index Scriptorium Estoniae

    Trossek, Andreas, 1980-

    2007-01-01

    Noorte kunstnike biennaal (NKB) "Tagajärjed ja ettepanekud" Tallinnas Rüütelkonna hoones, kuraatorid Rael Artel ja Anneli Porri, korraldaja Kaasaegse Kunsti Eesti Keskus. Noortepanga reklaam (NPNK) Tallinnas ja Tartus 2005. aastal

  8. Kõlblus ja kõlbavus / Jüri Hain

    Index Scriptorium Estoniae

    Hain, Jüri, 1941-

    1998-01-01

    20. saj. alguse eesti kunstist ja kirjandusest, mida on peetud moraalituks. Kunstis: A. Weizenbergi skulptuurid "Koit" ja "Hämarik", A. Vabbe akvarell "Daam boas" ja E. Wiiralti graafiline leht "Susanna". Kriitikute vastakatest seisukohtadest kõlbluse ja kõlbavuse kohta

  9. Lumelinnad Kemis ja Rovaniemis / Rael Artel

    Index Scriptorium Estoniae

    Artel, Rael, 1980-

    2004-01-01

    Veebruari algul avati Soomes Rovaniemis ja Kemis lume- ja jääskulptuuri park "The Snow Show". Kuraator New Yorgi galerist Lance Fung. Osalenud kunstnikud ja arhitektid (Zaha Hadid, Juhani Pallasmaa, Anish Kapoor, Tadao Ando jt.)

  10. Ooperimaailmast siit ja sealt / Tiiu Levald

    Index Scriptorium Estoniae

    Levald, Tiiu, 1940-

    2016-01-01

    Lavastustest „Reekviem… ja elu enne” ja „Jevgeni Onegin” (Brigitta festival), „Lendav Hollandlane” (RO Estonia), „Tsaari mõrsja” ja „Kahe pealinna duett” (Helikon-Ooper Estonias) ning „Madama Butterfly” (Läti RO)

  11. Uni, internet ja alkohol / Merike Sisask

    Index Scriptorium Estoniae

    Sisask, Merike, 1968-

    2011-01-01

    2009. aastal Tallinna üldhariduskoolide 8. ja 9. klasside õpilaste hulgas läbiviidud uuringust, mis sisaldas küsimusi noorte tervise- ja riskikäitumise ning sellega seotud hoiakute ja väärtushinnangute kohta

  12. Helpotusta hallux valgukseen! : 8 viikon harjoitusohjelman ja kinesioteippauksen vaikutus hallux valgus virheasentoon, koettuun kipuun ja toimintakykyyn

    OpenAIRE

    Uusihaka, Noora; Hiirikoski, Joonas

    2013-01-01

    Hallux valgus eli vaivaisenluu on yleinen jalkaterän toimintahäiriö, jota esiintyy jopa 25 prosentilla ihmisistä. Usein hallux valgus on kivulias ja vaikuttaa toimintakykyyn ja elämänlaatuun negatiivisesti. Jalkaterän toimintahäiriöt, jotka aiheuttavat hallux valgusta, ovat usein seurausta jalkaterän lihasten alentuneesta lihasvoimasta ja –kontrollista. Opinnäytetyön tarkoituksena on tuottaa tietoa hallux valguksen yleisyydestä, sen etiologisista tekijöistä ja konservatiivisen hoidon mahd...

  13. Alguses oli Arvo Pärdi muusika ja siis tulid Jalakas ja videokunstnikud / Tiiu Laks

    Index Scriptorium Estoniae

    Laks, Tiiu, 1984-

    2010-01-01

    Tõnu Kaljuste ja Peeter Jalaka lavastusest "Alguses oli", lavastuse aluseks Arvo Pärdi teosed "In Principio" ja "Miserere", 17. augustil Noblesse valukojas toimunud etendusest, muusikaline juht Tõnu Kaljuste

  14. [Max Weber. Poliitika kui elukutse ja kutsumus. Teadus kui elukutse ja kutsumus] / Hermo Kuusk

    Index Scriptorium Estoniae

    Kuusk, Hermo, 1976-

    2011-01-01

    Tutvustus: Weber, Max. Poliitika kui elukutse ja kutsumus ; Teadus kui elukutse ja kutsumus / tõlkijad: Jaan Isotamm, Henn Käärik, Kaia Sisask. Tallinn : TLU Press, 2010. (Bibliotheca controversiarum)

  15. 75 FR 68798 - Medicare Program; Part A Premiums for CY 2011 for the Uninsured Aged and for Certain Disabled...

    Science.gov (United States)

    2010-11-09

    ... Retirement Act and certain others do not have to pay premiums for Medicare Part A.) Section 1818A of the Act... specifies that the premium that these individuals will pay for CY 2011 will be equal to the premium for... consequential effect on State, local, or tribal governments or on the private sector. However, States are...

  16. Kierkegaard, religioon ja eksistentsialism / Haljand Udam

    Index Scriptorium Estoniae

    Udam, Haljand, 1936-2005

    1999-01-01

    Taani filosoofist ja teoloogist Soren Kierkegaardist (1818-1855) ja tema raamatust "Kartus ja värin". Raamatu eesti keelde tõlkija artikkel. Ilmunud ka kogumikus: Udam, Haljand. Maagid, filosoofid, poliitikud. Tallinn : Perioodika, 2002, lk. 39-44. (Loomingu Raamatukogu)

  17. How do health insurer market concentration and bargaining power with hospitals affect health insurance premiums?

    Science.gov (United States)

    Trish, Erin E; Herring, Bradley J

    2015-07-01

    The US health insurance industry is highly concentrated, and health insurance premiums are high and rising rapidly. Policymakers have focused on the possible link between the two, leading to ACA provisions to increase insurer competition. However, while market power may enable insurers to include higher profit margins in their premiums, it may also result in stronger bargaining leverage with hospitals to negotiate lower payment rates to partially offset these higher premiums. We empirically examine the relationship between employer-sponsored fully-insured health insurance premiums and the level of concentration in local insurer and hospital markets using the nationally-representative 2006-2011 KFF/HRET Employer Health Benefits Survey. We exploit a unique feature of employer-sponsored insurance, in which self-insured employers purchase only administrative services from managed care organizations, to disentangle these different effects on insurer concentration by constructing one concentration measure representing fully-insured plans' transactions with employers and the other concentration measure representing insurers' bargaining with hospitals. As expected, we find that premiums are indeed higher for plans sold in markets with higher levels of concentration relevant to insurer transactions with employers, lower for plans in markets with higher levels of insurer concentration relevant to insurer bargaining with hospitals, and higher for plans in markets with higher levels of hospital market concentration. Copyright © 2015 Elsevier B.V. All rights reserved.

  18. Early retirement and the influence on healthcare budgets and insurance premiums in a diabetes population.

    Science.gov (United States)

    Walzer, Stefan

    2007-01-01

    To contribute to current discussions about budget impact modeling, two different approaches for the impact of a new pharmaceutical product were analyzed: firstly considering the impact on annual healthcare expenditures only, and secondly additional inclusion of lost insurance premiums due to possible early retirement in patients with chronic diseases. The dynamic model calculates the budget impact from two different perspectives: (a) the impact on healthcare expenditures and (b) on expenditures as well as on health insurance revenues due to premiums. The latter approach could especially be useful for patients with chronic diseases who have higher probabilities of early retirement. Early retirement rates and indirect costs were derived from published data. Healthcare premiums were calculated based on an average premium and a mean income. Epidemiological input data were obtained from the literature. Time horizon was 10 years. Results in terms of reimbursement decisions of the budget impact analysis varied depending on the assumptions made for the insurance premiums, costs, and early retirement rate. Sensitivity analyses revealed that in extreme cases the decision for accepting a new pharmaceutical product would probably be negative using approach (a), but positive using approach (b). Depending on the disease and population of interest in a budget impact analysis, not only the healthcare expenditures for a health insurance have to be considered but also the revenue side for an insurance due to retirement should be included.

  19. Lojaalsed kliendid ja suhete loomine / Katrin Aedma

    Index Scriptorium Estoniae

    Aedma, Katrin

    2007-01-01

    Teenindust käsitlevate raamatute tutvustus. Seth Godini "Nõusolekuturundus: kuidas muuta võõraid sõpradeks ja sõpru klientideks", Kaj Storbacka ja Jarmo R. Lehtineni "Klientsuse reeglid või tants klientide pilli järgi" ja Frederick F. Reichheldi "Lojaalsuse reeglid. Kuidas edukad juhid loovad kestvaid töö- ja kliendisuhteid". Lisad: Eksimused ja surmapatud teeninduses!; Sellest, mida sa tead, pole kasu, kui sa seda ei kasuta!

  20. Liikematkustuksen ja matkatoimistopalvelujen tarpeiden kohtaaminen

    OpenAIRE

    Leppälä, Susanna

    2014-01-01

    Tässä tutkimuksessa perehdytetään liikematkailuun ja sen erityispiirteisiin matkatoimistopalvelujen näkökulmasta. Tämän tutkimuksen tarkoituksena on tutkia matkatoimistopalvelujen ja liikematkailun kohtaamista erityisesti palvelujen käyttäjien näkökulmasta. Mitä liikematkustuksen varaajat todella arvostavat liikematkatoimiston palveluissa ja miten liikematkustuspalveluiden tulisi kehittyä jotta ne vastaisivat tulevaisuuden liikematkustajien tarpeita? Teoriaosuus koostuu liikematkailun, palvel...

  1. Jan ja Ken - vennad disainerid ja sisearhitektid / Jan Joonas Graps, Ken-Kristjan Ruut ; intervjueerinud Tanel Veenre

    Index Scriptorium Estoniae

    Graps, Jan Joonas, 1972-

    2009-01-01

    Jan Joonas Grapsi ja Ken-Kristjan Ruuduga nende loomingust ja kujundamispõhimõtetest. 2004. a. asutasid vennad oma sisearhitektuuri ja disainiga tegeleva firma Jan & Ken OÜ. Pälvisid Eesti Sisearhitektide Liidu 2008. aasta parima ühiskondliku interjööri preemia, EXPO 2010 Eesti paviljoni võistlusel 2. koha

  2. Ohjaamisen ja opettamisen välimaastossa

    OpenAIRE

    Vesalainen, Anne-Maria

    2012-01-01

    Opinnäytetyössä tarkastellaan ohjaamisen ja opettamisen suhdetta opiskelijaryhmälähtöisessä musiikkiteatterin valmistumisprosessissa. Taidepedagogiikan näkemykset soveltuvat sekä ohjaamiselle että opettamiselle. Keskeistä ovat opiskelijalähtöisyys ja konstruktivistinen oppimiskäsitys Opettaja tai ohjaaja auttaa opiskelijan luovuutta ja oppimista. Opinnäytetyössä tarkastellaan Seurakuntaopiston Artistiluokkien (2010 ja 2011) musiikkiteatteriesitysten Stalkatut elämät (20...

  3. Toimitila-, palo- ja pelastusturvallisuus majoitusyrityksessä

    OpenAIRE

    Pajunen, Touko

    2010-01-01

    Opinnäytetyö tehtiin erään Etelä-Savossa sijaitsevan hotellin hotellipäällikön toimeksiannosta. Työn tavoitteena oli kerätä tietoperusta toimitila-, palo- ja pelastusturvallisuudesta, ja laatia sen pohjalta turvallisuuskatsaus kyseisessä hotellissa. Turvallisuuskatsauksen tavoitteena oli nostaa esiin mahdollisia toimitila-, palo- ja pelastusturvallisuuteen liittyviä epäkohtia ja ehdottaa niihin ratkaisuja. Turvallisuuskatsaus koostui kahdesta tutkimuksesta. Ensimmäisessä arvioitiin toimit...

  4. The VIX, the Variance Premium, and Expected Returns

    DEFF Research Database (Denmark)

    Osterrieder, Daniela Maria; Ventosa-Santaulària, Daniel; Vera-Valdés, Eduardo

    2018-01-01

    . These problems are eliminated if risk is captured by the variance premium (VP) instead; it is unobservable, however. We propose a 2SLS estimator that produces consistent estimates without observing the VP. Using this method, we find a positive risk–return trade-off and long-run return predictability. Our...

  5. The Marriage Wealth Premium Revisited: Gender Disparities and Within-Individual Changes in Personal Wealth in Germany.

    Science.gov (United States)

    Lersch, Philipp M

    2017-06-01

    This study examines the association between marriage and economic wealth of women and men. Going beyond previous research that focused on household wealth, I examine personal wealth, which allows identifying gender disparities in the association between marriage and wealth. Using unique data from the German Socio-Economic Panel Study (2002, 2007, and 2012), I apply random-effects and fixed-effects regression models to test my expectations. I find that both women and men experience substantial marriage wealth premiums not only in household wealth but also in personal wealth. However, I do not find consistent evidence for gender disparities in these general marriage premiums. Additional analyses indicate, however, that women's marriage premiums are substantially lower than men's premiums in older cohorts and when only nonhousing wealth is considered. Overall, this study provides new evidence that women and men gain unequally in their wealth attainment through marriage.

  6. Pornograafia, kunst ja tsensuur / Katrina Sirelpuu

    Index Scriptorium Estoniae

    Sirelpuu, Katrina

    2011-01-01

    Lõputöös uuritakse seksikultuuri, selle erinevaid tahke ja vorme ajaloos, samuti kust läheb erinevate kogukondade teadvuse piir pornograafia ja kunstina tõlgendatava vahel. Praktiline osa koosneb viiest suureformaadilisest moefotost, millel poseerivad erineva seksuaalse energia ja hoiakuga modellid

  7. Nuorten nukkuminen ja uni

    OpenAIRE

    Kinnunen, Elisa

    2015-01-01

    Tämän opinnäytetyön aiheena on nuorten nukkuminen ja uni. Opinnäytetyön tarkoituksena oli selvittää, mitä tietoa Reisjärven kristillisen opiston nuoret ovat saaneet nukkumiseen vaikuttavista tekijöistä ja mistä nukkumiseen liittyvistä tekijöistä he haluavat tietoa. Opinnäytetyön tavoitteena oli tuottaa tietoa nuorten nukkumistottumuksista ja siitä, mitkä tekijät vaikuttavat nuorten nukkumiseen heidän omien kokemustensa mukaan. Opinnäytetyön tavoitteena oli myös tuottaa tietoa, millaisia nukku...

  8. Sukupuoli ja vastaelokuva

    OpenAIRE

    Jakobsson, Erkki

    2013-01-01

    Kirjallinen opinnäytetyöni keskittyy analysoimaan feminististä maskuliinisuuden dekonstruktiota Catherine Breillatin new french extrimism-genren elokuvassa ”Anatomie de l'enfer” (2004). Tutkin myös elokuvan sisältöä. Opinnäytetyöni vertailee sukupuoli-identiteettejä historiallisessa traditionaalisessa mallissa ja modernissa eksistentiaalisessa mallissa. Yritän selittää miten ja miksi ne ovat muuttuneet. Tutkin muutamia esimerkkejä eksistentialistisista vaihtoehdoista verrattuna traditiona...

  9. Globaliseeruv kuritegevus ja terror / Ando Leps

    Index Scriptorium Estoniae

    Leps, Ando, 1935-

    2002-01-01

    29. märtsil moodustati Riias ülemaailmsel kuritegevuse- ja terrorismivastasel foorumil Läänemerega piirnevate riikide Kuritegevuse- ja Terrorismivastane Foorum. Võeti vastu põhikiri, nimetati ametisse juhatus ja büroo direktor. Foorumi üheks kaasesimeheks valiti Ando Leps. Autor: Keskerakond. Parlamendisaadik

  10. Arutlus autorist ja ruumist / Meelis Oidsalu

    Index Scriptorium Estoniae

    Oidsalu, Meelis, 1978-

    2010-01-01

    Dokumentaalfilmi sarjas "Eesti lood" linastunud filmidest: "Beebilõust" - Saaremaa poeedist ja hiphop-muusikust Andrus Elbingust, režissöör ja stsenarist Margit Lillak ning "Pastacas" - Soomes elavast Eesti kunstnikust ja muusikust Ramo Tedrest, režissöör Rein Kotov

  11. Objekti ja tegevuse leksikaalne markeeritus eesti õppijakeeles

    Directory of Open Access Journals (Sweden)

    Pille Eslon

    2012-10-01

    Full Text Available Uurimus on osa laiemast projektist, milles võrreldakse õppijakeelt eesti keele fraseoloogilise ainese ja standardkirjakeelega. Artiklis käsitletakse objekti ja tegevust iseloomustavate leksikaalsete markeritega (markeeritud ning ilma markeriteta (Ø-markeeritusega objektifraase ja kirjeldatakse nende kasutuspiiranguid. Objektifraasid on leitud erinevatest keelekasutusvariantidest teksti- ja sõnastikusageduse põhjal: valitud on vaid lauses verbist paremale jäävad objekti sisaldavad kontekstid. Objektifraasid on reastatud verbivormide sageduse alusel, misjärel on välja arvutatud iga tüvemorfeemi osakaal eesti õppijakeeles ja fraseoloogilises aineses. Erinevate valimite põhjal saadud andmete võrdlusest nähtub, et nii sagedaste tuumverbide kui ka harva esinevate täistähenduslike verbide esindumus on samalaadne. Käesoleva uurimuse tarbeks on valitud nelja kõige sagedasema verbi (andma, tegema, võtma ja saama objektifraasid. Järgnenud kvalitatiivses analüüsis ning tulemuste interpreteerimisel ei tugineta fraasistruktuuri grammatikale ega semantilistele rollidele, vaid objektifraasi markeerituse metamõistele, mille abil on lingvistikas tavaliselt kirjeldatud foneetiliste tunnuste ja morfoloogiliste kategooriate opositsioone. Artiklis on vastandatud leksikaalsete markeritega (markeeritud ning leksikaalsete markeriteta (Ø-markeeritusega objektifraasid. Objekti on eesti õppijakeeles määratletud tavaliselt kvaliteedi- ja kvantiteedisõnadega, tegevust adressaadi ning kvantiteedi- ja rõhusõnadega. Uurimus võimaldab vastata küsimusele, miks on objekti ja tegevust leksikaalselt markeeritud (määratletud, miks jäetud markeerimata; missugused on objektifraasi markeerituse/markeerimatuse semantilised, leksikaalgrammatilised, morfosüntaktilised ja struktuursed piirangud.DOI: http://dx.doi.org/10.5128/LV22.01

  12. Seksuaali- ja sukupuolivähemmistöön kuuluvien perheellistyminen ja siihen liittyvät perheoikeudelliset ongelmat

    OpenAIRE

    Kyllönen, Maija

    2016-01-01

    Sukupuolineutraali avioliittolaki astuu voimaan 1. maaliskuuta 2017. Uudistettu isyyslaki astui voimaan tammikuussa 2016. Äitiyslakia ja translain muutosta lisääntymiskyvyttömyys- ja naimattomuusedellytysten poistamiseksi valmisteltiin syksyllä 2014, mutta kummastakaan ei annettu lakiesitystä Opinnäytetyön tavoitteena oli tutkia, millaisia mahdollisuuksia ja rajoitteita lainsäädäntö asettaa seksuaali- ja sukupuolivähemmistöjen perheellistymiselle. Tavoitteena oli myös tutkia, millainen sa...

  13. 38 CFR 8.14 - Provision for extended term insurance-other than 5-year level premium term or limited convertible...

    Science.gov (United States)

    2010-07-01

    ... under 38 U.S.C. 1925, will purchase when applied as a net single premium at the attained age of the... indebtedness for such time from the due date of the premium in default as the reserve of the policy less any indebtedness will purchase when applied as a net single premium at the attained age of the insured. For this...

  14. Expectations and forward risk premium in the Spanish deregulated power market

    International Nuclear Information System (INIS)

    Furio, Dolores; Meneu, Vicente

    2010-01-01

    Deregulation in energy markets has entailed important changes in the way agents conduct business. Price risk arises as a result of fluctuations in the future price of electricity and agents assume long or short positions in the forward and spot markets to hedge their exposure to price risk. The presence of forward risk premium in prices is evidence of the fact that agents act in the market according to risk considerations. This work aims to analyse the information content of the difference between the forward and spot prices (the so-called forward premium) regarding the agents' decisions. We find that the sign and magnitude of the ex post forward premium depend on the unexpected variation in demand and on the unexpected variation in the hydroelectric capacity, and that both the ex post and the ex ante forward premia are negatively related to the variance of spot price, as predict. We provide additional insights about relevant aspects of spot price pricing in the Spanish electricity market such as the positive relation between spot prices and CO 2 emission allowance prices or the impact on spot prices of the set of market matching rules introduced in March 2006.

  15. Covering bariatric surgery has minimal effect on insurance premium costs within the Affordable Care Act.

    Science.gov (United States)

    English, Wayne; Williams, Brandon; Scott, John; Morton, John

    2016-06-01

    Currently, of the 51 state health exchanges operating under the Affordable Care Act, only 23 include benchmark plans that cover bariatric surgery coverage. Bariatric surgery coverage is not considered an essential health benefit in 28 state exchanges, and this lack of coverage has a discriminatory and detrimental impact on millions of Americans participating in state exchanges that do not provide bariatric surgery coverage. We examined 3 state exchanges in which a portion of their plans provided coverage for bariatric surgery to determine if bariatric surgery coverage is correlated with premium costs. State health exchanges; United States. Data from the 2015 state exchange plans were analyzed using information from the Centers for Medicare & Medicaid Services' Individual Market Landscape file and Benefits and Cost Sharing public use files. Only 3 states (Oklahoma, Oregon, and Virginia) in the analysis have 1 or more rating regions in which a portion of the plans cover bariatric surgery. In Oklahoma and Oregon, the average monthly premiums for all bronze, silver, and gold coverage levels are higher for plans covering bariatric surgery. Only 1 of these states included platinum plans that cover bariatric surgery. The average difference in premiums was between $1 to $45 higher in Oklahoma, and $18 to $32 higher in Oregon. Conversely, in Virginia, the average monthly premiums are between $2 and $21 lower for each level for plans covering bariatric surgery. Monthly premiums for plans covering versus not covering bariatric surgery ranged from 6% lower to 15% higher in the same geographic rating region. Across all 3 states in the sample, the average monthly premiums do not differ consistently on the basis of whether the state exchange plans cover bariatric surgery. Copyright © 2016 American Society for Bariatric Surgery. Published by Elsevier Inc. All rights reserved.

  16. A comparison of temperature increases produced by "premium" and "standard" diamond burs: An in-vitro study.

    Science.gov (United States)

    Segal, Pnina; Sap, Danny; Ben-Amar, Ariel; Levartovsky, Shifra; Matalon, Shlomo

    2016-02-01

    Vital tooth preparations may cause irreversible thermal damage to the pulp. The manufacturing techniques of dental burs may decrease heat production and minimize the risk of overheating and trauma to the dental pulp. Strauss (Raanana, Israel) has introduced "premium" diamond burs, claiming superior efficiency and longevity. We sought to determine the safest preparation methods by performing a comparison of intrapulpal temperature increases caused with "standard" and "premium" burs. Three types of diamond burs (F1R, F21R, and K2) were tested on extracted human teeth (n = 8 teeth per bur type). Premium and standard manufacturing techniques were compared for each bur type (n = 24 teeth per group; total 48 teeth). An intrapulpal thermocouple was used to measure the temperature during the procedure. Comparisons were analyzed with the t test and one-way ANOVA. P ≤ .05 was considered significant. All premium burs demonstrated lower temperature increases compared to the standard burs (P ≤ .001 for F21R and K2, P = .086 for F1R). The temperature increases with premium burs were similar for different bur shapes, but the temperature increases with standard burs depended on the bur shape (P pulp tissue damage, and thus reduce postoperative pulp-associated complications.

  17. Eestlanna, jaapanlanna ja tantsivad kehad / Keiu Virro

    Index Scriptorium Estoniae

    Virro, Keiu, 1987-

    2010-01-01

    Koreograafid-tantsijad Külli Roosna ja Anna esitavad Tallinnas Kanuti Gildi saalis ja Tartus Genialistide klubis oma soolo-tantsuetenduse, milles ühinevad Ida ja Lääs. Läänt esindab Külli Roosna (Eesti) "Circle Through" ja Ida esindab Anna (Jaapan) "Busu". Organisaatoriks on Sõltumatu Tantsu Ühendus

  18. Identifying the poor for premium exemption: a critical step towards universal health coverage in Sub-Saharan Africa.

    Science.gov (United States)

    Umeh, Chukwuemeka A

    2017-01-01

    Premium exemption for the poor is a critical step towards achieving universal health coverage in sub-Saharan Africa due to the large proportion of the population living in extreme poverty who cannot pay premium. However, identifying the poor for premium exemption has been a big challenge for SSA countries. This paper is a succinct review of four methods available for identifying the poor, outlining the ideal conditions under which each of the methods should be used and the drawbacks associated with using each of the methods.

  19. Osastonäytteenoton ergonomia : kartoitus ja kokeilu

    OpenAIRE

    Ronkainen, Helmiina; Singh, Janita

    2015-01-01

    Terveydenhoitoalan ammatit ovat fyysisesti ja psyykkisesti rasittavia. Fyysistä rasittavuutta aiheuttavat hankalat työasennot, raskaat työt ja työn pakkotahtisuus. Psyykkisesti rasittavia tilanteita ovat muun muassa jatkuva kiireen tuntu ja kasvavat odotukset työntekijää kohtaan, esimerkiksi lääkärit odottavat laboratoriovastauksia nopeammin ja potilaat vaativat hoidoltaan enemmän. Fyysistä ja psyykkistä rasittavuutta voidaan vähentää hyvin suunnitellulla työergonomialla. Ergonomian tavoittee...

  20. "Kalevipoeg" ja "Kalevala" / Märt Laarman

    Index Scriptorium Estoniae

    Laarman, Märt, 1896-1979

    1998-01-01

    Varem ilmunud: Tallinn : Kool, 1922. Autori pseudonüüm M. Salak. . Sisu: "Kalevipoja" saamislugu; "Kalevipoeg" ja "Kalevala"; Vead "Kalevipoja" värsitehnikas ja keeles; Eesti ained "Kalevalas"; "Kalevala" mõju "Kalevipojale"; Kalevipoja algupära; "Kalevipoja" kompositsioon ja tegelased; Kaunid kohad "Kalevipojas"; Kokkuvõte.

  1. Consumer Protection and Premium Rate Services In Denmark

    DEFF Research Database (Denmark)

    Trzaskowski, Jan

    2006-01-01

    The regulation of the telecommunication industry in Denmark is quite liberal. There are no requirements to register with national authorities when providing telecommunication services or Premium Rate Services. Only Network Operators, who want to make use of the scarce frequency resources, must re...... active in securing compliance with the law....

  2. Foreign exchange risk premium determinants: case of Armenia

    Czech Academy of Sciences Publication Activity Database

    Poghosyan, Tigran; Kočenda, E.

    -, č. 811 (2006), s. 1-17 R&D Projects: GA MŠk LC542 Institutional research plan: CEZ:AV0Z70850503 Keywords : “forward premium” puzzle * exchange rate risk * time-varying risk premium Subject RIV: AH - Economics http://www.wdi.umich.edu/files/Publications/WorkingPapers/wp811.pdf

  3. Praktikaõpe toitlustus- ja majutusvaldkonna koolituses / Sirje Rekkor

    Index Scriptorium Estoniae

    Rekkor, Sirje

    2002-01-01

    Kehtna Majandus- ja Tehnoloogiakooli koostööst Eesti Riikliku Eksami- ja Kvalifikatsioonikeskuse, Eesti Hotellide ja Resoranide Liidu, Jyväskylä Catering Institutèga Soome Vabariigist ja Escuela de Hosteleria de Malaga Hispaania Kuningriigist toitlustuse ja majutuse praktikaõppe parandamise eesmärgil

  4. ”Olen juuri niin tiedostava, kuin minun on varaa olla” – Saksalais- ja suomalaisnuorten suhde kodin sisustamiseen ja puuhuonekaluihin

    OpenAIRE

    Hakala, Inkeri

    2014-01-01

    Tutkielma tarkastelee nuorten kuluttajien kodinsisustukseen ja puuhuonekaluihin liittämiä merkityksiä saksalaisessa ja suomalaisessa kontekstissa. Aihetta lähestytään maun ja elämäntyylin sekä kuluttajien tavarasuhteen näkökulmasta. Tutkimuksen aineisto koostuu Saksassa ja Suomessa huonekaluliikkeissä ja -messuilla kerätystä havainnoin-timateriaalista sekä 23–34 -vuotiaille kuluttajille tehdystä 22 teemahaastattelusta. Havainnointiaineistoa on käytetty tutkimuskontekstin hahmottamisessa. Haas...

  5. Armastus ja anarhia / J[aan] R[uus

    Index Scriptorium Estoniae

    J. R.

    1993-01-01

    Helsingi filmifestivali "Armastus ja anarhia" mängufilmid "Nekromantik I" (1987) ja "Nekromantik II" (1991), režissöör Jörg Buttgereit ja "Trellimõrtsukas" (1979), režissöör Abel Ferrara, Tallinna kinos "Eha". Arvustavad Rainer Sarnet, Jaak Kilmi, Marko Raat ja J. R. (Jaan Ruus)

  6. Lavater ja Goethe / Linnar Priimägi

    Index Scriptorium Estoniae

    Priimägi, Linnar, 1954-

    2016-01-01

    Arvustus: Lavateri näoraamat : valgustusajastu pilk inimesele ja kunstile : toetudes Johann Caspar Lavateri menuteosele "Füsiognoomilisi fragmente inimesetundmise ja ligimesearmastuse edendamiseks" (1775-1778) / koostanud, kommenteerinud ja toimetanud Anu Allikvee ja Tiina-Mall Kreem ; fragmentide tõlge: Katrin Kaugver. Tallinn : Eesti Kunstimuuseum, Mikkeli Muuseum ; Tallinna Ülikool, Akadeemiline Raamatukogu. 2015

  7. Liberaalne impeerium ja Eesti / Mart Laar

    Index Scriptorium Estoniae

    Laar, Mart, 1960-

    2006-01-01

    Venemaa imperialistlikest hoiakutest ja majanduse kasutamisest poliitilise relvana. Vene äriringkondadele tehtud järeleandmistest Eestis ja murest Eesti ühiskonnas alanud tasalülitamisprotsessi üle, mille märkideks on avalik-õigusliku ringhäälingu politiseerimine ning Keskerakonna ja selle rahastajate alanud sissetung meediaturule

  8. Demokraatia ja õigus / Toomas Varrak

    Index Scriptorium Estoniae

    Varrak, Toomas, 1940-

    2009-01-01

    Autor analüüsib demokraatia teoreetilistele seisukohtadele tuginedes Eesti poliitikat ja riigikorraldust taasiseseisvumise järgsel perioodil, sh. 2007. aasta pronkssõduri teisaldamist ja sellega seotud rahutusi

  9. 5 CFR 610.407 - Premium pay for holiday work for employees on compressed work schedules.

    Science.gov (United States)

    2010-01-01

    ... schedule who performs work on a holiday is entitled to basic pay, plus premium pay at a rate equal to basic pay, for the work that is not in excess of the employee's compressed work schedule for that day. For... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Premium pay for holiday work for...

  10. The effect of virtual bidding on forward premiums in the New York wholesale energy market

    Science.gov (United States)

    Knudsen, Andrew D.

    In many parts of the United States, the power industry has been deregulated and replaced with regional wholesale energy markets, where utilities purchase electricity from generators at competitive market rates for subsequent distribution to customers. Numerous studies have shown that in each of these markets, the price of energy purchased in the Day Ahead (futures) market exceeds the price in the Real Time (spot) market on average. The existence of this "forward premium" is evidence of market inefficiency and may indicate participants' aversion to risk in the Real Time market or the exercise of market power by generators. To address this inefficiency, the New York Independent System Operator introduced a virtual bidding system within its wholesale market, which permitted participants to engage in purely financial transactions and hedge their exposure to risk. The new policy was expected to promote price convergence by allowing bidders to arbitrage expected differences between Day Ahead and Real Time prices. This study examines whether the presence of virtual bidding was associated with a change in the mean value and magnitude of forward premiums in the NYISO energy market. The study applies a GARCH model to hourly pricing data from 2001 to 2009, controlling for temperature and economic activity. The results indicate that prior to 2005, virtual bidding was associated with significantly lower and less volatile forward premiums in New York's five most congested zones but with increased premiums in the remaining less congested zones. However, when the entire period from 2001 to 2009 is examined, the results suggest that prices have become significantly more divergent in the presence of virtual bidding. Closer examination of the data reveals a dramatic increase in forward premium volatility across all zones beginning in 2005 that is not accounted for by temperature or economic activity and may have biased the results. This study attempts to account for this unexplained

  11. Daddy : Animaation Storyboard ja Animatic

    OpenAIRE

    Mustajärvi, Lilli

    2012-01-01

    Opinnäytetyöni on animaation storyboard sekä sen mukainen animatic-versio, hahmojen karaktäärinen ja visuaalinen suunnittelu sekä interion suunnittelu ja toteutus. Hahmot on toteutettu piirroksina ja taustat 3D:nä. Kuvakerronta on rakennettu vaiheittain luonnoksesta viimeistellen lopulliseen muotoonsa. My graduation work is an animatic based on my storyboard. Creating characters and designing interior for the animation. Characters has been drawn traditional way and background has been crea...

  12. Ülikooli kirjandusauhinna said Kangro ja Valton

    Index Scriptorium Estoniae

    2008-01-01

    Tallinna Ülikooli kirjandusauhinna pälvisid noor luuletaja ja tõlkija Maarja Kangro luulekogu "Tule mu koopasse mateeria" eest ja Arvo Valton tõlkesarjade "Väikeste rahvaste suur kirjandus" ja "Noorte luule" väljaandmise eest. Vt. ka Keel ja Kirjandus, nr. 4, 2008, lk. 317; Looming, nr. 4, 2008, lk. 634

  13. Nuoruudessa koetun seksuaalisen kaltoinkohtelun muodot ja ilmitulo

    OpenAIRE

    Kangas, Ilona; Tolonen, Emmi

    2009-01-01

    Nuorten kokema seksuaalinen häirintä ja väkivalta on vaiettu, mutta valitettavan yleinen ongelma. Kotimaista tutkimusta nuorten kokemasta seksuaalisesta kaltoinkohtelusta on tehty vähän. Opinnäytetyön tarkoituksena oli selvittää nuoruudessa koetun seksuaalisen kaltoinkohtelun muotoja ja ilmituloa kirjallisuuden ja Väestöliiton internetissä keräämän kyselyaineiston avulla. Työ on osa Terveys- ja hoitoalan klusterin projektia Nuorten seksuaaliterveyden edistämisen toteutuminen koulu- ja opiskel...

  14. Ühe suve akvarellid / Evelin Samuel ja Liina Hergauk

    Index Scriptorium Estoniae

    Samuel, Evelin, 1975-

    2015-01-01

    Roosanupuline kampsun, idee ja teostus Evelin Samuel. Vanaroosa pluus ja barett, idee ja teostus Ruta Tännav. Mohäärlõngast topp, idee ja teostus Anna Verschik. Linane topp, idee ja teostus Liina Hergauk. Pitsmustritega mohäärkleit, idee ja teostus Ruta Tännav. Puuvillane topp, idee ja teostus Anna Verschik

  15. Viisakus ja selle tajumine tekstiliigiti / Katrin Rikberg

    Index Scriptorium Estoniae

    Rikberg, Katrin

    2009-01-01

    Artikkel tutvustab keelesuhtluse viisakuse kultuuriomaseid mõisteid ja nende seoseid asjakohasusega ning keskendub ametlikule viisakusele ja vestluskäitumisele. Küsimustiku abil läbi viidud taju-uuringust, mille eesmärk oli võrrelda tekstide vastuvõtu erinevaid külgi, et saada teada, mida ja miks peetakse eesti kultuuriruumis viisakaks ja asjakohaseks

  16. Esma Auto ja Mazda on loodud kestma

    Index Scriptorium Estoniae

    2003-01-01

    Ülevaade olulisematest sündmustest Esma Auto kümne tegevusaasta jooksul. Kommenteerivad Tarmo Järvoja, Mart Laar ja Enn Sau. Diagrammid ja skeemid: AS Esma Auto müügi statistika läbi aastate; AS Esma Auto kasum ja klientide arv aastate lõikes; Esma Auto esindused Eestis ja pakutavad teenused

  17. Tagasivaade elule ja ajale / Ene Liivik

    Index Scriptorium Estoniae

    Liivik, Ene, 1933-

    2010-01-01

    Artikkel põhineb kahel käsikirjal "Tagasi waade möödunud elule ja ajale. Utškuju-Tarhani küla aja lugu. 50ne aastane juubel" ja "Lahtised lehed", mille autoriks on Helmi Koolmann. Käsikirjas meenutavad Helmi ja tema abikaasa Rein Koolmann Krimmis elatud aastaid

  18. Nirvaana, susla ja internet / Tarmo Teder

    Index Scriptorium Estoniae

    Teder, Tarmo, 1958-

    2000-01-01

    Kolm stuudio Nukufilm uut nukufilmi : "Saamueli Internet" : Stsenarist Andrus Kivirähk : režissöör ja kunstnik Riho Unt; "Teekond Nirvaanasse" : Stsenarist, režissöör ja kunstnik Mait Laas; "Eilne vedur" : režissöörid Mikk Rand ja Kalju Kivi

  19. Isad ja tütred, isad ja pojad / Jüri Ross, Kristine Ross, Fjodor Berman ...[jt.] ; üles kirjutanud Jaana Liigand

    Index Scriptorium Estoniae

    2011-01-01

    Büroomaailma juht Jüri Ross ja turundusdirektor Kristine Ross, BLRT Grupi omanik Fjodor Berman ja BLRT Grupi tütarfirma Refonda tegevdirektor Mark Berman, Saaremaa Laevakompanii ja paljude firmade omanik Vjatšeslav Leedo ja Mosaiigi kohviku omanik Katrin Leedo ärist, juhtimisest ja omavahelistest suhetest

  20. Ilusad, otstarbekad ja nutikad / Tiina Kolk

    Index Scriptorium Estoniae

    Kolk, Tiina

    2011-01-01

    Konkursi "Eesti parimad interjöörid ja disain 2010" võidutööd: ADM Interactive'i bürooruumid (Ühiskondliku interjööri preemia), kohvik Supelsaksad (Söögikoha interjööri preemia), välinäitus "Eesti kirjanik karikatuuris" (Näituse ja installatsiooni kujunduse preemia), Kihnu muuseum (Ajaloolise interjööri preemia). Nimetatud võidutööde autorid ja žürii koosseis. Nominentide töödest on avatud Arhitektuuri- ja Disainigaleriis 31. maini näitus

  1. Palgaralli aeglustub ja inflatsioon tõuseb / Vello Kutsar

    Index Scriptorium Estoniae

    Kutsar, Vello

    2007-01-01

    2007. aastal kasvas brutokuupalk keskmiselt 20,4 protsenti, järgmisel aastal palgakasv aeglustub ja inflatsioon kasvab, mis mõjutab enim väikesepalgalisi. Joonised: 1. Brutopalk II kvartalis aastatel 2000-2007 (kr) ja selle kasvud protsentides; 2. Keskmine brutopalk maakonniti 2006. ja 2007. a. II kvartalis (kr) ja kasv (%); Tabelid: 1. Keskmine brutokuupalk tegevusalade lõikes 2006. ja 2007. a. II kvartalis (kr) ja kasv protsentides; 2. Rahandusministeeriumi 2007. aasta suvine majandusprognoos

  2. Leikki, luovuus, oivallus : pelien ja pelillisyyden mahdollisuudet instrumenttiopetuksessa

    OpenAIRE

    Kaartinen, Emmi

    2015-01-01

    Kuinka saada soiton opiskelusta hauskempaa? Tämä opinnäytetyö vastaa kysymykseen sukeltamalla pelien ja pelillistetyn opetuksen maailmaan. Projekti syntyi tarpeesta saada luovuutta, improvisointia ja yhdessä oppimista tukevaa uutta instrumenttiopetusmateriaalia. Kaiken taustalla on heittäytyminen ja oman musiikin tekeminen hauskalla ja poikkeavalla tavalla. Erilaiset pelit tuovat vaihtelua ja lisäväriä soittotuntien kulkuun, rikastuttavat ja monipuolistavat sisältöä sekä innostavat musiik...

  3. Sotsiaalteenuste kvaliteedi hindamine ja kontroll / Heli Tooman

    Index Scriptorium Estoniae

    Tooman, Heli, 1949-

    2002-01-01

    Uurimisprojekti "Sotsiaalteenuste vajadus ja kasutamine - territoriaalsed, sotsiaalsed ja kultuurilised erinevused" raames katsetati SERVQUAL meetodit sotsiaalteenuste kvaliteedi mõõtmiseks Pärnu ja Narva sotsiaalasutustes. Tabelid. Bibliogr.

  4. The Consumption of Premium Coffee-The Influence of Hedonic Needs vs. Utilitarian Needs

    OpenAIRE

    Hew, Keat Loong

    2013-01-01

    The paper looks at the influence that hedonic and utilitarian needs exude on consumer’s preference for premium coffee and ultimately their willingness to pay a premium for the coffee. Utilitarian needs are related to a desire to achieve some functional or practical benefit and often linked with the notion of product performance and usefulness (e.g. drinking coffee to accomplish a specific task such as a need to stay alert due to work requirement). It has tangible and actual attributes where c...

  5. Maailmade loomine ja rahvuspaviljonid Veneetsias / Kati Ilves

    Index Scriptorium Estoniae

    Ilves, Kati, 1984-

    2009-01-01

    53. Veneetsia biennaal "Making Worlds / Fare Mondi / Maailmu luues" 7. VI-22. XI, kuraator Daniel Birnbaum. Hiina kunstniku Chu Yuni tööst "Constellation / Tähtkuju" kuraatorinäitusel. Lühidalt USA (Bruce Nauman) ja Hispaania (Miquel Barcelo) paviljonidest, pikemalt Taani ja Põhjamaade (kunstnike-kuraatorite Michael Elmgreeni ja Ingar Dragseti projekt "The Collectors / Kogujad"), Prantsuse (Claude Lévèque'i "Le Grand Soir / Suur öö", kuraator Christian Bernard) ja Egiptuse (Adel El Siwi ja Ahmad Askalany "Leggermente monumentale / Kergelt monumentaalne") paviljonidest

  6. Jackson, sportauto ja kinbaku / Kadri Karro

    Index Scriptorium Estoniae

    Karro, Kadri

    2011-01-01

    Mari-Liis Laanemaa video- ja fotonäitus "Meel ja Michael Jackson" Tallinna Linnagaleriis 26. juunini. Fotograaf Herkki-Erich Merila näitus "Kinbaku" Haus galeriis 15. juulini. Austria kunstniku Klaus Waggeri rallimaalide ja Urmas Teearu kogusse kuuluvate mootorrataste näitus "Unforgettable Moments" Tam galeriis juuni lõpuni 2011

  7. Verkkokaupan rakennus ja palveluntarjoajan valinta

    OpenAIRE

    Hukkanen, Petri

    2015-01-01

    Opinnäytetyön toimeksiantajana toimii opinnäytetyön tekijä itse. Tekijän tarkoituksena on perustaa puusta valmistettuja asusteita myyvä verkkokauppa. Opinnäytetyön teoria osuuden tavoitteena oli hankkia tietoa verkkokaupan rakentamisen tärkeimmistä osa-alueista. Tutkimustavoitteena oli vertailun ja arvioinnin perusteella selvittää paras ja toimivin verkkokauppa-alusta opinnäytetyön tekijän yritykselle. Tutkimus on laadullinen tutkimus. Aineistonkeruumenetelminä ovat dokumentit ja havain...

  8. Vallankumous, machismo ja Neitsyt Maria

    OpenAIRE

    Seppälä, Maija

    2012-01-01

    Etnografinen pro gradu -tutkielma käsittelee Nicaraguan sisällissodan vaikutusta sukupuolirakenteisiin ja naisiin kohdistuvaan väkivaltaan Matagalpan kaupungissa ja sen läheisellä maaseudulla. Työssä on tarkasteltu väkivallan taustalla vaikuttavia sukupuoleen liittyviä symboleja, ideologioita sekä institutionaalisia rakenteita ja niiden yhteyksiä sisällissotaan. Tutkimuskysymyksiä ovat: miksi naisiin kohdistuva väkivalta on lisääntynyt Nicaraguan sisällissodan jälkeen, miten poliittinen konfl...

  9. History and the Equity Risk Premium

    OpenAIRE

    William Goetzmann; Roger Ibbotson

    2005-01-01

    We summarize some of our own past findings and place them in the context of the historical development of the idea of the equity risk premium and its empirical measurement by financial economists. In particular, we focus on how the theory of compensation for investment risk developed in the 20th century in tandem with the empirical analysis of historical investment performance. Finally, we update our study of the historical performance of the New York Stock Exchange over the period 1792 to th...

  10. States with stronger health insurance rate review authority experienced lower premiums in the individual market in 2010-13.

    Science.gov (United States)

    Karaca-Mandic, Pinar; Fulton, Brent D; Hollingshead, Ann; Scheffler, Richard M

    2015-08-01

    States have varying degrees of review authority over health insurance carriers' rates, including prior approval authority over proposed rates and requirements for loss ratios, the proportion of premium revenues spent on medical claims. The Affordable Care Act (ACA) requires carriers in certain categories of health insurance to provide public justification for rate increases of 10 percent or more. We collected data on how states changed their rate review authority and requirements during 2010-13, the years immediately after enactment of the ACA, and we combined these data with carrier filings. We found that adjusted premiums in the individual market in states that had prior-approval authority combined with loss ratio requirements were lower in 2010-13 ($3,489) than premiums in states with no rate review authority or that had only file-and-use regulations, which gave the states no authority to block rate increases ($3,617). Adjusted premiums declined modestly in prior-approval states with loss ratio requirements, from $3,526 in 2010 to $3,452 in 2013, while premiums increased from $3,422 to $3,683 in states with no rate review authority or file-and-use regulations only. Our findings suggest that states with prior approval authority and loss ratio requirements constrained health insurance premium increases. Project HOPE—The People-to-People Health Foundation, Inc.

  11. Web 2.0 - Haasteet ja mahdollisuudet

    OpenAIRE

    Nordbäck, Nina

    2010-01-01

    Tämä opinnäytetyö kertoo, mitä Web 2.0 on, ottaa esille sen haasteita ja mahdollisuuksia yrityksien liiketoimintaan keskittyneenä ja selvittää kuinka sosiaalisia medioita käytetään erilaisissa yrityksissä. Työ keskittyy myös internetpalveluiden käytettävyyteen. Sosiaaliset mediat ovat internetissä toimivia yhteisöjä, blogeja, video- ja kuvapalveluita, verkkokauppoja ja keskustelupalstoja, joissa internetkäyttäjät pääsevät jakamaan tietoa keskenään. Sosiaaliselle medialle tyypillistä ovat usei...

  12. Perhekeskeisyys lasten ja nuorten teho-osastolla

    OpenAIRE

    Sirola, Outi

    2015-01-01

    Lapsen joutuminen lasten teho-osastolle aiheuttaa kriisin sekä potilaalle että koko perheelle. Perhekeskeisen hoitotyön avulla pyritään lisäämään vanhempien luottamusta ja yhteistyötä sekä tämän kautta vähentämään potilaan ja vanhempien ahdistusta. Tämän kehittämisprojektin tavoitteena oli kehittää perhekeskeisyyttä Turun yliopistollisen keskussairaalan lasten ja nuorten teho-osastolla. Projektin tarkoituksena oli toimintakulttuurin muuttaminen perhekeskeisempään suuntaan ja sitä kautta lapse...

  13. M Road Oy: Arvo-ja laatudokumentti

    OpenAIRE

    Röynä, Mira

    2017-01-01

    Opinnäytetyön aiheena on yrityksen arvot ja laatutekijät. Opinnäytetyön tutkimuksellinen näkökulma syntyy konstruktiivisesta tutkimuksesta sekä kyselystä ja tiimityöskentelystä. Työssä tutustutaan tarkasti arvojen ja laatutekijöiden teoriaan, joiden pohjalta analysoidaan työntekijäkyselyn ja tiimityöskentelyn tuloksia. Työn tavoitteena on saada yhdistettyä franchaising-yritys M Road Oy:n arvot koko M Room –ketjun arvoja vastaavaksi, sekä parantaa yrityksen tuottamaa laatua. Toimeksiantaja...

  14. LTEmittaukset ja mittalaitteet

    OpenAIRE

    Ajalin, Lassi

    2010-01-01

    LTE on neljännen sukupolven (4G) matkapuhelinteknologia, jonka tarkoituksena on kas-vattaa matkapuhelinverkkojen datan siirtonopeuksia ja parantaa palveluita. LTE-tekniikan avulla tavoitellaan myös kustannussäästöjä. Tässä insinöörityössä on perehdytty LTE-teknologiaan sekä LTE-mittalaitteisiin ja selvitetty, soveltuvatko oppilaitoksen nykyiset mittalaitteet radiorajapinnan LTE-mittaukseen. Tutkimustyön tuloksena voidaan todeta, että oppilaitoksen nykyiset mittalaitteet eivät sovellu LTE-mitt...

  15. Perhetekijöiden yhteys 8.- ja 9.-luokkalaisten tyttöjen ja poikien itsearvioituun ahdistuneisuuteen -Kouluterveyskysely 2013

    OpenAIRE

    Peltola, Anniina

    2016-01-01

    Suomessa on tutkittu paljon perhetekijöiden ja perhesuhteiden muutosten yhteyksiä lasten hyvinvointiin. Perherakenteiden kuten vuoroasumisen yhteyttä lasten hyvinvointiin on Suomessa tutkittu vähemmän. Tämän tutkimuksen tarkoituksena oli kuvata 8.- ja 9.-luokkalaisten tyttöjen ja poikien perhetekijöitä ja itsearvioitua ahdistuneisuutta sekä niiden välistä yhteyttä. Lisäksi oli tarkoitus tutkia taustatekijöiden yhteyttä itsearvioituun ahdistuneisuuteen. Saatua tietoa voidaan hyödyntää kouluter...

  16. Pärnu-Jaagupi (Korbe) kihelkonna ja kiriku vanimast ja vanemast ajaloost. 1.-2 / Ilmar Arens

    Index Scriptorium Estoniae

    Arens, Ilmar, 1912-1994

    1981-01-01

    Pärnu-Jaagupi kihelkonna ja kiriku ajaloost. "Paganlik" - katoliiklikust ajastust 1226. a. kuni Rootsi aja alguseni 1617. Kirikuvisitatsioonist Pärnu-Jaagupis 19. märtsil 1699. aastal ja vastavast protokollist

  17. 77 FR 41270 - Health Insurance Premium Tax Credit

    Science.gov (United States)

    2012-07-13

    ... DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Parts 1 and 602 [TD 9590] RIN 1545-BJ82 Health Insurance Premium Tax Credit Correction In rule document 2012-12421 appearing on pages 30377-30400 in the issue of Wednesday, May 23, 2012, make the following corrections: 0 1. On page 30385, in the...

  18. Distsiplinaarne fotograafia ja interdistsiplinaarne kunstiparadiis / Peeter Linnap

    Index Scriptorium Estoniae

    Linnap, Peeter, 1960-

    2003-01-01

    Vastuseks H. Soansi ja A. Härmi artiklile "Mõned teravad polaroidid" (Sirp, 2003, 13. VI, lk. 17). Eesti 90-ndate ja praegune fotograafia. Fotograafia: mono- ja interdistsiplinaarne. Fototeooriate regulaarne surm

  19. PERHITUNGAN DANA PENSIUN DENGAN METODE PROJECTED UNIT CREDIT DAN INDIVIDUAL LEVEL PREMIUM

    Directory of Open Access Journals (Sweden)

    I GUSTI AYU KOMANG KUSUMA WARDHANI

    2014-08-01

    Full Text Available The company which provides the pension program needs the actuarial valuation to estimate the fund amount required by the company to pay for pension funding. Actuarial method that used in this research are projected unit credit and invidual level premium method. Through this research be obtained the result of valuation pension benefits with career average salary assumption is lower than the other salary assumptions. On the other hand, the result of normal cost final value valuation using individual level premium method is smaller than projected unit credit method that suits for the participants of the pension funding program.

  20. PERHITUNGAN DANA PENSIUN DENGAN METODE PROJECTED UNIT CREDIT DAN INDIVIDUAL LEVEL PREMIUM

    Directory of Open Access Journals (Sweden)

    I GUSTI AYU KOMANG KUSUMA WARDHANI

    2014-05-01

    Full Text Available The company which provides the pension program needs the actuarial valuation to estimate the fund amount required by the company to pay for pension funding. Actuarial method that used in this research are projected unit credit and invidual level premium method. Through this research be obtained the result of valuation pension benefits with career average salary assumption is lower than the other salary assumptions. On the other hand, the result of normal cost final value valuation using individual level premium method is smaller than projected unit credit method that suits for the participants of the pension funding program.

  1. Hinna kujundamise strateegia ja taktika

    Index Scriptorium Estoniae

    2002-01-01

    Katkend Thomas T. Nagle ja Reed K. Holdeni raamatust "The strategy and tactics of pricing". Katkendis ära toodud raamatu 6. peatükk, milles esitatakse peamised ideed ja defineeritakse kesksed mõisted

  2. Vorst ja poliitika / Ivar Tallo

    Index Scriptorium Estoniae

    Tallo, Ivar, 1964-

    2002-01-01

    Siiani on lahendamata erakondade rahastamise küsimus, samuti on reguleerimata, kes ja missuguses vormis tohib lobby teha ja kuidas peavad avaliku võimu esindajad sellisesse huvide esindamisse suhtuma. Autor: Rahvaerakond Mõõdukad

  3. Kohderyhmäskenaarioita miesten jalkine- ja vaatemalliston suunnittelulle ja toteutukselle

    OpenAIRE

    Turunen, Niina

    2013-01-01

    Opinnäytetyön aiheena oli kohderyhmän määritys sekä jalkine- ja vaatemalliston suunnittelu potentiaalisen kohderyhmän näkökulmasta. Opinnäytetyössä selvitettiin kohderyhmä kahden suunnittelijan yhteistyönä suunnitellulle miesten jalkine- ja vaatemallistolle syys-talvi 2013 - 2014 -sesongille. Opinnäytetyön tavoitteena oli suunnitella ensimmäinen yhteinen kahden suunnittelijan mallisto yhteistyössä Hämeen ammattikorkeakoulun tekstiilin pääaineopiskelijan Laura Lepistön kanssa. Opinnäytetyö...

  4. "Frank ja Wendy" rikub jõulud ja võtab söögiisu / Astrid Kannel

    Index Scriptorium Estoniae

    Kannel, Astrid, 1967-

    2004-01-01

    Animafilm "Frank ja Wendy" : autor David Snowman = Priit Pärn, Ülo Pikkov, Priit Tender ja Kaspar Jancis : Eesti Joonisfilm 2004. Kõik autorid vastavad midagi artikli autori provotseerivatele küsimustele

  5. Sijoitusrahastojen ja sijoitussidonnaisten vakuutusten verotus

    OpenAIRE

    Niemi, Jonna

    2012-01-01

    Opinnäytetyön aiheena on sijoitusrahastojen ja sijoitussidonnaisten vakuutusten verotus sekä verotuksen tuomat edut ja riskit sijoittajalle. Sijoitusrahastojen osalta työssä kuvataan kasvurahaston osakkaan verotusta, sillä ainoastaan kasvurahastot tarjoavat sijoittajalle mahdollisuuden pitkäaikaiseen säästämiseen. Sijoitussidonnaisista vakuutuksista opinnäytetyössä käsitellään vapaaehtoinen eläkevakuutus ja sijoitusvakuutus. Opinnäytetyöllä ei ole toimeksiantajaa vaan aihe on syntynyt kirjoit...

  6. Mobiilideittailusovellus Tinderin käyttö ja sen vaikutukset ihmisen identiteettiin ja itsensä esittämiseen

    OpenAIRE

    Puranen, Juuso

    2016-01-01

    Tinderin kaltaisten mobiilisovellusten käyttö on nopeassa ajassa muovannut nykyajan deittailukulttuuria ja tarjonnut uusia keinoja etsiä ja tavata uusia ih-misiä. Tinderiä ei ole kuitenkaan ilmiönä tutkittu laajalti, vaikka mobiilideittai-lusovellus on tehnyt internetin välityksellä tapahtuvasta suhteiden muodosta-misesta hyväksyttävämpää ja jopa trendikästä. Tämän tutkielman tarkoituksena on selvittää, miten Tinderin käyttö vaikuttaa ihmisen identiteettiin ja itsensä esittämiseen. Teoree...

  7. Majandusarvestus ja tegelikkus / Vello Vallaste

    Index Scriptorium Estoniae

    Vallaste, Vello, 1947-

    2011-01-01

    Majandusarvestus ei pruugi ettevõtte tegelikku olukorda peegeldada, mis tähendab, et majandusarvestus võib olla ebausaldusväärne. Näiteid Ameerika Ühendriikidest ja Eestist (Enron, Luterma AS ja Celander Ehitus)

  8. Taotlused ja tulemus / Rein Tootmaa

    Index Scriptorium Estoniae

    Tootmaa, Rein

    2002-01-01

    Helle Karise kavandatava portreefilmide sarja "Contra mortem" esimene film "Dr. Andres Ellamaa" : operaatorid Peter Murdmaa ja Marko Piirsoo : monteerija Eero Karis : produtsendid Helle Karis ja Maret Hirtentreu : kasutatud Carl Orffi muusikat : Myth Film 2002

  9. Lugedes Pilve ja Pazi / Mathura

    Index Scriptorium Estoniae

    Mathura, pseud., 1973-

    2007-01-01

    Võrdlevalt Aare Pilve luulekogust "Näoline" (kirj. Tuum, 2007) ja Octavio Pazi luulekogust "Alati on olevik" (hispaania k. tlk. Ain Kaalep, Jaan Kaplinski, Asta Põldmäe ja Jüri Talvet, kirj. Perioodika, 1984)

  10. Majandusareng, innovatsioon ja tehnoloogilis-majanduslik paradigma : väljakutse Kesk- ja Ida-Euroopa riikidele / Tarmo Kalvet, Rainer Kattel

    Index Scriptorium Estoniae

    Kalvet, Tarmo, 1975-

    2002-01-01

    Autorid analüüsivad läbiviidud uuringute alusel majanduslikku arengut ning teadus- ja arendustegevust Kesk- ja Ida-Euroopa riikides ning Eestis ja tõdevad, et innovatsioonil põhineva majandussüsteemini jõudmiseks on vaja senisest suuremat riigi toetust.

  11. Armin Tuulse ja kirikute uurimine / Kersti Markus

    Index Scriptorium Estoniae

    Markus, Kersti, 1962-

    2008-01-01

    Arhitektuuri- ja kunstiajaloolase tegevusest 1930. aastate Eestis ja Teise maailmasõja järgses Rootsis. Saksa ja rootsi teadlaste vahelistest kultuuriregiooni vaidlustest. Eesti kunsti omapära otsingutest. Keskaegse sakraalkunsti uurimise meetoditest

  12. Filme meist ja meie ajast / Raimo Jõerand

    Index Scriptorium Estoniae

    Jõerand, Raimo

    2007-01-01

    EFSA filmiekspert teavitab uutest eesti tõsielufilmidest : Urmas E. Liivi "Casting" ja "Briljantroheline maja, pumbakaev ja valge laev", Andres Maimiku, Jaak Kilmi "Müümise kunst", James ja Maureen Tusty "Laulev revolutsioon"

  13. Keele kestlikkuse ja kao konstrueerimine poolavalikes diskursustes

    Directory of Open Access Journals (Sweden)

    Kadri Koreinik

    2013-04-01

    Full Text Available Artikli peaeesmärk on analüüsida keele kestlikkuse ja kao diskursiivset konstrueerimist Saksamaa ja Soome eestlaste ning setu ja võru keele kasutajate poolstruktureeritud intervjuude näitel. Intervjuuandmestik pärineb koostööprojektist European Language Diversity for All (ELDIA, mille keskmes on väikese kõnelejaskonnaga soome-ugri keeled tänapäeva mitmekeelsetes ühiskondades. Saksamaal ja Soomes elavad eestlased esindavad allohtoonseid keelerühmi; setu- ja võrukeelsed moodustavad autohtoonsed Eesti keelekogukonnad, mille piiritlemine pole probleemitu. Kõigi nimetatud kogukondade puhul on tegu mitmekeelsete eestlastega, kes on suuremal või vähemal määral säilitanud oma vähemuskeele enamuskeelses, vastavalt saksa-, soome- ja eestikeelses keeleruumis. Diskursusanalüüsi kõrval vaadeldakse põgusalt, kuidas hindavad oma keeleoskust erinevas vanuses inimesed. Kogu keelekestlikkuse ja -kao diskursus on vaadeldav legitimatsioonidiskursusena, kus osalised argumenteerivad vähemuskeelte funktsioonide ja tuleviku üle. Ühe põhitulemusena võib esile tuua, et kõik vaadeldud keelekogukonnad püsivad keelelise või kultuurilise rikastamise diskursiivses raamistikus. DOI: http://dx.doi.org/10.5128/ERYa9.09

  14. Wilson, Lansing ja Hoover - Ameerika välispoliitika ja Eesti riigi tekkimine / Olavi Arens

    Index Scriptorium Estoniae

    Arens, Olavi, 1940-

    2006-01-01

    Ameerika Ühendriikide rollist Eesti ja teiste Balti riikide tekkimisel aastatel 1918-1920. On käsitletud Ameerika presidendi Woodrow Wilsoni kõnesid ning nende ja Ameerika üldist tähendust maailma välispoliitikas Versailles' rahuläbirääkimistel

  15. Kriitika ja eimiski ('Traditsioon ja pluralism') / Hasso Krull

    Index Scriptorium Estoniae

    Krull, Hasso, 1964-

    1996-01-01

    Ettekanne seminaril 'Traditsioon ja pluralism I' 31. V 1996 Tallinnas. Ka Mati Undi raamatust 'Vastne argimütoloogia' (Tln. : Vagabund, 1996) Vastukaja: Unt, Mati. Sekundaarsed // Kultuurimaa. - 1996. - 25. sept. - Lk. 3

  16. Preemia professor Lembit Andresenile ja professor Leida Taltsile : [Haridusministeeriumi ja EAPSi kasvatusteaduslike tööde konkurss] / Ulve Kala

    Index Scriptorium Estoniae

    Kala, Ulve, 1947-

    1998-01-01

    Teadustöö preemia sai Lembit Andresen eesti rahvakasvatuse ja õpetuse ajaloo põhjaliku käsitlemise eest monograafias "Eesti rahvakooli ja pedagoogika ajalugu. I." (Tallinn, Avita, 1997, 264 lk.) ja populaarteadusliku töö preemia Leida Talts kasvatusteaduse nüüdisaegsete seisukohtade rakendusliku käsitlemise eest monograafias "Kasvatus põhikooli algastmes" (Tallinn, Riiklik Eksami- ja Kvalifikatsioonikeskus, 1997, 210 lk.)

  17. Kuopion kotisairaalapilottihanke; sairaanhoitajien ja ensihoitajien yhteistyön toimivuus ja ammatilliset valmiudet

    OpenAIRE

    Miettinen, Elvi; Kallio, Tiia

    2014-01-01

    Tämän opinnäytetyön tarkoituksena oli haastattelututkimuksen avulla selvittää Kuopion kotisairaalapilottihankkeessa työskennelleiden sairaanhoitajien ja ensihoitajien yhteistyön toimivuutta ja ammatillisia valmiuksia. Opinnäytetyön tutkimuksen tavoitteena oli tulosten perusteella kehittää kotisairaalatoimintamallia. Opinnäytetyö oli laadullinen tutkimus, joka toteutettiin teemahaastatteluna ryhmähaastattelumuodossa. Tutkimus sisälsi kolme teemaa: kotisairaalapilottihanke, yhteist...

  18. Traditsioonist ja uuendusest korea modernkunstis / Katrin Kivimaa

    Index Scriptorium Estoniae

    Kivimaa, Katrin, 1969-

    2005-01-01

    Souli galeriides ja muuseumides valitseb eeldatud kõrgtehnoloogilise kunsti asemel maalikunst. Pikemalt naiskunstnik Wook-kyung Choi (1940-1985) ja Jong-gu Lee näitustest ning soo- ja naisuuringute kongressist "Women's World 2005"

  19. Õpetajate praktika ja klassikeskkond / Krista Loogma

    Index Scriptorium Estoniae

    Loogma, Krista, 1946-

    2014-01-01

    OECD rahvusvahelise õpetamise ja õppimise võrdlusuuringust (TALIS) 2013, milles analüüsitakse õpetajate pedagoogilisi veendumusi ja nende seoseid uuendusliku õpetamispraktikaga, õpetajate koostööd ning klassikeskkonda ja distsiplinaarset kliimat klassis

  20. Mobiilipalvelut ja NFC

    OpenAIRE

    Kurtti, Joni

    2011-01-01

    NFC, Near Field Communication, on hyvin lyhyiden etäisyyksien radiotaajuinen tiedonsiirtomene-telmä. Se perustuu RFID-tekniikkaan. Tässä opinnäytetyössä tutustuttiin NFC-tekniikkaan ja sen nykyisiin sovelluksiin, erityisesti mobiilipalveluihin. Tarkoituksena oli lisätä omaa ja yrityksen, IT-parkin, tietämystä aihealueen teknologioista. Työ pohjautuu kirjallisuustutkimukseen digitaali-lähtein. NFC-toiminnan fysikaalinen perusta on sähkömagneettikentän induktiossa. NFC-tekniikan tär-keimmät...

  1. The value premium within and across GICS industry sectors in a pre-financial collapse sample

    Directory of Open Access Journals (Sweden)

    Kenneth E. Scislaw

    2015-12-01

    Full Text Available A portfolio manager employing a top-down/bottom-up method who seeks to capture the value premium long promised in academic literature would want to first determine whether the premium exists across industries and not just observed in firm-specific book-to-market (BE/ME relationships. Next, the investor would want to know if BE/ME characteristics are stable across these defined homogeneous groups or whether there is considerable variation. Results show that certain industries appear to have a natural or structural tendency to reflect either a high or low BE/ME characteristic. Results also shows that growth-oriented industry BE/ME characteristics appear to be more stable than value-oriented industries over time. Moreover, stocks from growth-oriented industries tend to cluster at high rates in the lowest BE/ME quintile, while stocks from value-oriented industries appear more evenly distributed across middle BE/ME quintiles over time. Value stocks found in growth sectors outperform value stocks in value sectors, contrary to prior published results. The January premium exists both within and across Global Industry Classification Standard industry sectors, but the value premium is not subsumed by the January effect in either analysis.

  2. Eestlane ja sakslane Kunstihoones

    Index Scriptorium Estoniae

    1998-01-01

    Siim-Tanel Annuse ja Abraham David Christiani ühisnäitus 18. dets.-st Tallinna Kunstihoones. Kuraator Dorothee Bauerle-Willert. A. D. Christianilt on näitusel skulptuurid, Mississippi joonistuste seeria, S.-T. Annuselt maalid. Näituse avamisele järgnenud Krista Kodrese juhendatud diskussioonil "Siin ئ piirideta, läbisegi ja piirideta või hoopis maailmakunst provintsist" osalejad

  3. Paris, Texas. Saksamaal ja sinu peas / Kairi Prints

    Index Scriptorium Estoniae

    Prints, Kairi

    2010-01-01

    6.- 12. oktoobrini Tallinnas ja Tartus toimuval filmifestivalil "Uus Saksa Kino" saab vaadata Wim Wendersi muusikadokumentaale. "Film ja filosoofia" rubriigis koha- ja rahvusespetsiifika eksistentsist tänapäeva filmikunstis ja W. Wendersi filmist "Paris, Texas" (USA 1984)

  4. Stiilsed emad ja tütred / Keilit Aedma

    Index Scriptorium Estoniae

    Aedma, Keilit

    2016-01-01

    Sisearhitekt Aet Pieli ja tema tütre Anrike Pieli, moedisainer Roberta Eineri ja tema ema Ljudmilla Eineri, tekstiilikunstnik Signe Kivi ja tema tütre Liisa Kivi, ajakirjanik Keilit Aedma ja tema ema Kadi Aedma-Reiningu riietumisstiilist

  5. Sulam Eesti ja Inglise vaimulikust muusikast / Kersti Inno

    Index Scriptorium Estoniae

    Inno, Kersti, 1954-

    2007-01-01

    Eesti Filharmoonia Kammerkoori ja inglise organisti ning helilooja Christopher Bowers-Broadbenti kontserdist 9. veebr. Haapsalu Toomkirikus ja 10. veebr. Tallinna Niguliste kirikus (ettekandel C. Bowers-Broadbenti sekvents orelile ja koorile "7Words" ja Cyrillus Kreegi "Reekviem" uues seades)

  6. —Does Demand Fall When Customers Perceive That Prices Are Unfair? The Case of Premium Pricing for Large Sizes

    OpenAIRE

    Eric T. Anderson; Duncan I. Simester

    2008-01-01

    We analyze a large-scale field test conducted with a mail-order catalog firm to investigate how customers react to premium prices for larger sizes of women's apparel. We find that customers who demand large sizes react unfavorably to paying a higher price than customers for small sizes. Further investigation suggests that these consumers perceive that the price premium is unfair. Overall, premium pricing led to a 6% to 8% decrease in gross profits.

  7. Työpaikkakiusaaminen - sen seuraukset ja selviytymiskeinot

    OpenAIRE

    Päivärinta, Salla

    2014-01-01

    Opinnäytetyöni aihe on työpaikkakiusaaminen. Kiinnostus aihetta kohtaan syntyi omista kokemuksistani työpaikalla ja siitä, että olen ollut mukana luottamushenkilötoiminnassa useita vuosia. Tavoitteena on avata työpaikkakiusaamista ilmiönä, ja millaisia vakavia vaikutuksia sillä on niin työntekijään, hänen läheisiinsä, työpaikkaan ja koko yhteiskuntaan. Selvitän, mikä on ja mikä ei ole työpaikkakiusaamista ja epäasiallista häirintää. Kuvaan sitä, millaiseksi kiusaaja työpaikalla koetaan. Tutki...

  8. Geniaalsus ja hullumeelsus / Ly Ehin

    Index Scriptorium Estoniae

    Seppel, Ly, 1943-

    2005-01-01

    Itaalia psühhiaatri ja kriminoloogi Cesare Lombroso raamatust "Geniaalsus ja hullumeelsus" (ilm. 1864), kus ta väidab, et pärilik hullumeelsus lööb geniaalsetel inimestel sagedamini välja kui kurjategijatel

  9. Street Food Suomessa ja liiketoimintasuunnitelma katuruokayritykselle

    OpenAIRE

    Hellman, Joonas; Koski, Olli

    2016-01-01

    Tämän opinnäytetyön tarkoituksena oli kerätä tietoa katuruoasta Suomessa ja tuottaa taustatietoa oman yrityksen liiketoimintasuunnitelmaa varten. Teoriatiedot hankittiin pääasiassa alan kirjallisuudesta, Internet-lähteistä sekä käyttäen hyväksi omaa ja alan yleistä tietoa. Tutkimusosa koostuu kyselytutkimuksesta ja sen analysoimisesta. Opinnäytetyön tekijät osallistuivat Ravintolapäivään saadakseen käytännön kokemusta ja tietoa. Kaikkia kolmea edellä mainittua osa-aluetta käytettiin päät...

  10. Ositus- ja perintösaanto : luovutusvoittoverokiemuroineen

    OpenAIRE

    Kaisla, Irma

    2008-01-01

    Opinnäytetyössä on selkeytetty kuolinpesien luovutusvoittojen verotuskäytäntöjä erilaisissa tilanteissa. On tarkasteltu ja pohdittu ositusta ja perinnönjakoa peilaten niiden tekemistä tai tekemättä jättämistä luovutusvoittoverotukseen. Osituksen ja perinnönjaon ajankohdalla on myös merkitystä luovutusvoiton suuruuteen ja siitä syntyvän veron määrään. Ositus on aina tehtävä ennen perinnönjakoa. Lesken osakkuusasema kuolinpesässä lakkaa kun ositus on toimitettu. Osituksen jälkeen perillise...

  11. Max Jakobsoni saatuseaastad, soomlased ja meie / Imbi Paju

    Index Scriptorium Estoniae

    Paju, Imbi, 1959-

    2008-01-01

    Soome politoloogist ja diplomaadist Max Jakobsonist ja tema uuest raamatust "Saatuseaastad. Soome tõusis, andis Venemaale järele ja pääses". Artiklis on juttu ka Max Jakobsoni suhetest Eesti presidentide Lennart Meri ja Toomas Hendrik Ilvesega

  12. Klaasist, betoonist ja üllast ideest / Piret Veigel

    Index Scriptorium Estoniae

    Veigel, Piret, 1961-

    2003-01-01

    Sisearhitektide Argo ja Katrin Vaikla kodu. Looduslähedusest, ruumilahendusest ja materjalikasutusest. Puituksed, köögi aknaalune kapp ja söögilaud valmistati A. ja K. Vaikla jooniste järgi firmas Disekt. Välisvaade, 13 sisevaadet

  13. Figaro ja Taska / Maarja Undusk

    Index Scriptorium Estoniae

    Undusk, Maarja, 1959-

    2010-01-01

    Eduard Taska 120. sünniaastapäevale pühendatud Eduard Taska ja 1982. aastast Rootsis elava Marje Taska näitus "Vanaisa ja mina" Eesti Tarbekunsti- ja Disainimuuseumis 30. maini 2010, kuraator Anne Tiivel. Näitus "Eesti köited Prantsusmaal III" Eesti Rahvusraamatukogus 17. aprillini 2010. Väljas on tööd, mis osalesid 2009. a. X rahvusvahelisel köitekunstibiennaalil St. Rémy-lès Chevreuse'is, kus Euroopa Liidu poolt välja pandud peapreemia võitis Kristiina Nurk

  14. "Teine" ja teistmoodi, eriline ja erinev muuseumis = The "other" : the unique and the different in museums / Adele-Marie Dzidzaria

    Index Scriptorium Estoniae

    Dzidzaria, Adele-Marie

    2006-01-01

    "Kambrist" muuseumiks, privaatsest avalikuks. Kultuuriline "teine" - kolooniad, immigrandid ja integratsioon. Ühiskondlikud "teised" - hullud ja vangid. "Läbipaistva" muuseumi idee ja "teistsugused" ekspositsioonid. A.-M. Dzidzaria - Amsterdami Reinwardti Akadeemia rahvusvaheline museoloogia magister

  15. Halduskohtu pädevus : Riigikohtu administratiivosakonna ja halduskolleegiumi praktika aastatel 1919-1940 ja 1992-2009 / Liina Kanger, Marelle Leppik

    Index Scriptorium Estoniae

    Kanger, Liina, 1983-

    2009-01-01

    Halduskohtu pädevuse piiritlemine õiguskorras ja teistest kohtuharudest (eraõiguse valdkonnas, kriminaal- ja väärteoasjades, põhiseaduslikkuse järelevalve teostamisel, riigiõiguslikes vaidlustes ja organitüli lahendamisel)

  16. Valitud ja valitsenud : Eesti parlamentaarsete ja muude esinduskogude ning valitsuste isikkoosseis aastail 1917-1999 / Olev Olesk

    Index Scriptorium Estoniae

    Olesk, Olev, 1921-2017

    1999-01-01

    rets. rmt.: Valitud ja valitsenud : Eesti parlamentaarsete ja muude esinduskogude ning valitsuste isikkoosseis aastail 1917-1999 / koostaja Jaan Toomla. Tallinn : Eesti Rahvusraamatukogu, 1999. 474 lk.

  17. Teadus- ja arendustegevus ettevõtlussektoris / Aime Pirrus

    Index Scriptorium Estoniae

    Pirrus, Aime

    2007-01-01

    Eesti teadus- ja arendustegevuse strateegia näeb tuleviku Eestit teadmistepõhise ühiskonnana. Teadmistepõhises majanduses rakendatakse energia- ja ressursikulutuste vähendamiseks uusi säästlikke tehnoloogiaid. Lisatud tabel, graafik ja diagrammid

  18. Botaanikud Chamisso ja Eschscholtz Californias / Tiiu Speek

    Index Scriptorium Estoniae

    Speek, Tiiu, 1958-

    2012-01-01

    Loodusteadlaste A. von Chamisso ja J. Fr. Eschscholtzi osalemisest O. von Kotzebue ekspeditsioonidel (1815-1818 ning 1823-1826); reisidel kogutud ja kirjeldatud USA lääneosa ja California taimeliikidest ning neist koostatud herbaariumite saatusest

  19. Silmapaistev Juri Lotmani ja Zara Mintsi arhiiv

    Index Scriptorium Estoniae

    2007-01-01

    Tallinna Ülikoolis paikneb rahvusvaheliselt tunnustatud semiootiku Juri Lotmani ja tema abikaasa Zara Mintsi arhiiv ja raamatukogu. Juri Lotmani poeg ja Tallinna Ülikooli Eesti Humanitaarinstituudi professor Mihhail Lotman on rahul, et arhiiv asub Eestis

  20. Kuidas Udmurdi ja Mordva vabariik lipud said / Jaak Prozes

    Index Scriptorium Estoniae

    Prozes, Jaak, 1965-

    2008-01-01

    Kunstnikud Juri Lobanov ja Andrei Aljoshkin räägivad Udmurdi vabariigi ja Mordva vabariigi lipu ja vapi saamisloo. Udmurdi ja Mordva lipu värvide tähendusest. Udmurtia, Mordva, Komi ja Marimaa esimene kaasaegse kunsti näitus "Põhi ja kirre : kontinentaalne alateadvus" Kumu Kunstimuuseumis 14. märts-18. mai 2008

  1. Assessing Alternative Modifications to the Affordable Care Act: Impact on Individual Market Premiums and Insurance Coverage.

    Science.gov (United States)

    Eibner, Christine; Saltzman, Evan

    2015-03-20

    The goals of the Affordable Care Act (ACA) are to enable all legal U.S. residents to have access to affordable health insurance and to prevent sicker individuals (such as those with preexisting conditions) from being priced out of the market. The ACA also instituted several policies to stabilize premiums and to encourage enrollment among healthy individuals of all ages. The law's tax credits and cost-sharing subsidies offer a "carrot" that may encourage enrollment among some young and healthy individuals who would otherwise remain uninsured, while the individual mandate acts as a "stick" by imposing penalties on individuals who choose not to enroll. In this article, the authors use the COMPARE microsimulation model, an analytic tool that uses economic theory and data to predict the effects of health policy reforms, to estimate how eliminating the ACA's individual mandate, eliminating the law's tax credits, and combined scenarios that change these and other provisions of the act might affect 2015 individual market premiums and overall insurance coverage. Underlying these estimates is a COMPARE-based analysis of how premiums and insurance coverage outcomes depend on young adults' propensity to enroll in insurance coverage. The authors find that eliminating the ACA's tax credits and eliminating the individual mandate both increase premiums and reduce enrollment on the individual market. They also find that these key features of the ACA help to protect against adverse selection and stabilize the market by encouraging healthy people to enroll and, in the case of the tax credit, shielding subsidized enrollees from premium increases. Further, they find that individual market premiums are only modestly sensitive to young adults' propensity to enroll in insurance coverage, and ensuring market stability does not require that young adults make up a particular share of enrollees.

  2. Eesti ja Venemaa vahele kerkis teatrisild / Rait Avestik

    Index Scriptorium Estoniae

    Avestik, Rait, 1974-

    2009-01-01

    27. märtsil Moskvas alanud 15. teatrifestivalist "Kuldne mask" ja Eesti teatrite - NO99 lavastusega "GEP", Eesti Nuku- ja Noorsooteater lavastusega "Mängurid" ja Rahvusooper Estonia kahe lühiballetiga "Hamlet" ja "Libahunt" - osalemisest festivali eriprogrammis "Kuldne mask pluss"

  3. 76 FR 67572 - Medicare Program; Medicare Part B Monthly Actuarial Rates, Premium Rate, and Annual Deductible...

    Science.gov (United States)

    2011-11-01

    ... section 1839 of the Act, requires that, starting on January 1,2007, the Part B premium a beneficiary pays... private sector costs of this notice fall below this threshold as well. Executive Order 13132 establishes... B premium rate for 2012 is $99.90, which is equal to 50 percent of the monthly actuarial rate for...

  4. 75 FR 68790 - Medicare Program; Medicare Part B Monthly Actuarial Rates, Premium Rate, and Annual Deductible...

    Science.gov (United States)

    2010-11-09

    ... the Act, requires that, starting on January 1, 2007, the Part B premium a beneficiary pays each month... private sector costs of this notice fall below this threshold as well. Executive Order 13132 establishes... B premium rate for 2011 is $115.40, which is equal to 50 percent of the monthly actuarial rate for...

  5. 78 FR 64943 - Medicare Program; Medicare Part B Monthly Actuarial Rates, Premium Rate, and Annual Deductible...

    Science.gov (United States)

    2013-10-30

    ... section 1839 of the Act, requires that, starting on January 1, 2007, the Part B premium a beneficiary pays... governments or on the private sector. Executive Order 13132 establishes certain requirements that an agency... B premium rate for all enrollees for 2014 is $104.90, which is equal to 50 percent of the monthly...

  6. Cumulative Prospect Theory, Option Returns, and the Variance Premium

    NARCIS (Netherlands)

    Baele, Lieven; Driessen, Joost; Ebert, Sebastian; Londono Yarce, J.M.; Spalt, Oliver

    The variance premium and the pricing of out-of-the-money (OTM) equity index options are major challenges to standard asset pricing models. We develop a tractable equilibrium model with Cumulative Prospect Theory (CPT) preferences that can overcome both challenges. The key insight is that the

  7. Residential consumers in the Cape Peninsula's willingness to pay for premium priced green electricity

    Energy Technology Data Exchange (ETDEWEB)

    Oliver, Henry; Volschenk, Jako; Smit, Eon [University of Stellenbosch Business School, Carl Cronje Drive, Bellville, Western Cape 7535 (South Africa)

    2011-02-15

    A number of studies have explored the willingness (i.e. stated willingness as opposed to actual willingness) of consumers to pay a premium for green electricity in developed countries. However, little is known about how this translates into an emerging economy context. This study investigates the level of willingness of residential households in South Africa's Cape Peninsula to pay a premium for electricity from renewable energy. It methodologically drew on recent contributions in the literature on norm-motivated behaviour used to identify testable factors that could influence residential consumers' willingness to pay (WTP). Interestingly, the study found a significant positive link between household income and WTP for green electricity, contrary to the findings of some previous studies. Not only are higher income households more likely to pay a premium, but typically they are also willing to pay a bigger premium. It was also further established that the view that green electricity is reliable, involvement in the recycling of waste and the belief that everyone should contribute to green electricity generation drive the WTP. (author)

  8. Rahvusvaheline seminar "Improvisatsioon ja spontaansus" / Mari Kolle

    Index Scriptorium Estoniae

    Kolle, Mari

    2003-01-01

    26.- 30. märtsini korraldab International University Global Theatre Experience Malpilsis rahvusvahelise seminari professionaalsetele tantsijatele, koreograafidele ja näitlejatele. Läbi viivad seminari psühholoog ja tantsuterapeut I. Mayore ja koreograaf S. Ostrenko

  9. Budapestis ja Ungaris / Karl Rumor

    Index Scriptorium Estoniae

    Rumor, Karl, pseud., 1886-1971

    2008-01-01

    Doonau jõest, Budapesti ajaloost, linnaarhitektuurist ja kuninglikust lossist. Ungari eri piirkondade looduse, põllumajanduse ja rahva eripäradest. Trianoini rahulepinguga kaotatud maa-aladest. Varem ilmunud: Uus Eesti 3., 5., 13. veebr. 1937, nr. 34, 36, 44

  10. Maailmavaade ja hariduseelarve / Mailis Reps

    Index Scriptorium Estoniae

    Reps, Mailis, 1975-

    2006-01-01

    Eesti hariduseelarvest, hariduskuludest ning -toetustest. Diagrammid: Avaliku sektori kogukulud haridusele, % eelarvest; Üld-, kutse- ja kõrghariduse rahastamine. Tabelid: Üld-, kutse- ja kõrghariduse rahastamise osakaal hariduskuludes; Üldhariduse rahastamise kasv kulukohtade lõikes aastail 2000-2005

  11. Regulatiivsus ja selle sisustamise problemaatika / Triinu Rauk

    Index Scriptorium Estoniae

    Rauk, Triinu, 1988-

    2013-01-01

    Haldustegevuse vormidest. Haldusaktist, haldusakti andmisest keeldumise regulatiivsest olemusest ja tuvastava haldusakti regulatiivsest olemusest. Artikkel põhineb autori 2013. a. Tartu Ülikooli õigusteaduskonnas kaitstud magistritööl "Haldusakti, toimingu ja menetlustoimingu eristamise kriteeriumid ja vaidlustamine halduskohtus"

  12. Tagasi looduse ja inimese juurde / Tiina Abel

    Index Scriptorium Estoniae

    Abel, Tiina, 1951-

    2010-01-01

    Kunstipoliitika ja ametlik kunst. Heroiline alastuse motiiv. 1937. aasta Pariisi maailmanäitus. Väitlused kunsti rahvuslikkuse ja eesti stiili üle. Kunstikool ja kunstiühing Pallas. Prantsuse orientatsiooni süvenemine. Kaks Prantsuse kunstikultuuri manifestatsiooni

  13. Eestimaine feng shui talus ja mõisas / Kadi Lehtmets

    Index Scriptorium Estoniae

    Lehtmets, Kadi

    2006-01-01

    Geobioloogia ja feng shui asjatundjad Siret ja Janno Seeder on uurinud ja mõõtnud Eesti talukohtade ja mõisate energeetikat. Ilmneb, et on osatud end loodusenergiatega tasakaalu seada. S. ja J. Seederi nõuandeid uue maja ehitajaile

  14. Ei ruokaa, ei elokuvaa : elokuvacateringin analysointi ja yritystoiminnan perustaminen liiketoimintasuunnitelman ja henkilökohtaisen työkokemuksen avulla

    OpenAIRE

    Itkonen, Johanna

    2017-01-01

    Tässä opinnäytetyössä käsittelen elokuva-cateringiä (freelancer-toimintana) sen mahdollisuuksia ja toimenpiteitä kasvaa yritykseksi (Jojo Foods, työnimi) liiketoimintasuunnitelman avulla, sekä tarkastella mitä vaaditaan ja mitä henkilökohtaisesti toivon elokuvacatering -alan yritykseltäni tulevaisuudessa. Suomessa opinnäytetyön kirjoitushetkellä on vain yksi erityisesti elokuvatuotantoihin ja -kuvauksiin suunnattu catering-alan yritys, jonka omistaa ja pyörittää yksi ihminen. Freelance-toimij...

  15. Equity of the premium of the Ghanaian National Health Insurance Scheme and the implications for achieving universal coverage.

    Science.gov (United States)

    Amporfu, Eugenia

    2013-01-07

    The Ghanaian National Health Insurance Scheme (NHIS) was introduced to provide access to adequate health care regardless of ability to pay. By law the NHIS is mandatory but because the informal sector has to make premium payment before they are enrolled, the authorities are unable to enforce mandatory nature of the scheme. The ultimate goal of the Scheme then is to provide all residents with access to adequate health care at affordable cost. In other words, the Scheme intends to achieve universal coverage. An important factor for the achievement of universal coverage is that revenue collection be equitable. The purpose of this study is to examine the vertical and horizontal equity of the premium collection of the Scheme. The Kakwani index method as well as graphical analysis was used to study the vertical equity. Horizontal inequity was measured through the effect of the premium on redistribution of ability to pay of members. The extent to which the premium could cause catastrophic expenditure was also examined. The results showed that revenue collection was both vertically and horizontally inequitable. The horizontal inequity had a greater effect on redistribution of ability to pay than vertical inequity. The computation of catastrophic expenditure showed that a small minority of the poor were likely to incur catastrophic expenditure from paying the premium a situation that could impede the achievement of universal coverage. The study provides recommendations to improve the inequitable system of premium payment to help achieve universal coverage.

  16. Equity of the premium of the Ghanaian national health insurance scheme and the implications for achieving universal coverage

    Directory of Open Access Journals (Sweden)

    Amporfu Eugenia

    2013-01-01

    Full Text Available Abstract The Ghanaian National Health Insurance Scheme (NHIS was introduced to provide access to adequate health care regardless of ability to pay. By law the NHIS is mandatory but because the informal sector has to make premium payment before they are enrolled, the authorities are unable to enforce mandatory nature of the scheme. The ultimate goal of the Scheme then is to provide all residents with access to adequate health care at affordable cost. In other words, the Scheme intends to achieve universal coverage. An important factor for the achievement of universal coverage is that revenue collection be equitable. The purpose of this study is to examine the vertical and horizontal equity of the premium collection of the Scheme. The Kakwani index method as well as graphical analysis was used to study the vertical equity. Horizontal inequity was measured through the effect of the premium on redistribution of ability to pay of members. The extent to which the premium could cause catastrophic expenditure was also examined. The results showed that revenue collection was both vertically and horizontally inequitable. The horizontal inequity had a greater effect on redistribution of ability to pay than vertical inequity. The computation of catastrophic expenditure showed that a small minority of the poor were likely to incur catastrophic expenditure from paying the premium a situation that could impede the achievement of universal coverage. The study provides recommendations to improve the inequitable system of premium payment to help achieve universal coverage.

  17. Õpetamine esi- ja algõpetuses : Alusväärtused. Ülesanded ja eesmärgid. Orientatsioonidest õppeaineteni. Metoodilised tervikud. Hindamine

    Index Scriptorium Estoniae

    2001-01-01

    Esi- ja algõpetuse alusväärtused ja eesmärgid. Esiõpetuse teadmisala-orientatsioonid ja algõpetuse õppeained. Mängu tähtsusest väikelaste õppimises, õppetunni planeerimine, integreeritud õpetus algõpetuses. Hindamine esi- ja algõpetuses

  18. Valokuva, avain osallisuuteen ja oppimiseen

    OpenAIRE

    Taavitsainen, Päivi

    2013-01-01

    Tämän toiminnallisen opinnäytetyön tarkoituksena oli osallisuutta lisäävää valokuvausmenetelmää ni-meltä Photovoice, sekä kuvista kerrotuttamista käyttäen suunnitella ja toteuttaa toiminnallisia tuokioita 4 – 6 vuotiaille lapsille päiväkodin lapsiryhmässä. Työssä havainnoitiin mitä ja miten lapset valokuvaavat. Lasten ottamista kuvista- ja kertomuksista etsittiin myös asioita, jotka tukisivat tutkivan oppimisen pro-sessin aloittamista, sekä arvioitiin photovoice – menetelmän käyttökelpoisuut...

  19. Sanoma- ja aikakauslehtimainonta iPadissa

    OpenAIRE

    Malmi, Jaakko

    2011-01-01

    Opinnäytetyön tavoitteena oli selvittää, minkälaisia mainossisältöjä on Applen iPad-laitteessa ilmestyvissä sanoma- ja aikakauslehdissä sekä muodostaa niiden perusteella kattava tyypittely. Tavoitteena oli myös selvittää, miten iPad-lehtien mainokset eroavat paperilehtien mainoksista ja miten iPadin ominaisuuksia on hyödynnetty mainoksissa. Opinnäytetyö oli osa eReading-hanketta, joka on Tivit Oy:n Next Media –ohjelman suurin yrityshanke. Hankkeessa tutkitaan sähköisiä lukulaitteita ja kehite...

  20. Kuljetinosuuden modernisointi ja energiatehokkuuden parantaminen

    OpenAIRE

    Peltoniemi, Jani

    2016-01-01

    Opinnäytetyön aiheena oli kartoittaa tölkkituotantolinjan yhden kuljetinosuuden nykytilanne ja tähän pohjautuen suunnitella yhteistyössä SEW-Eurodrive Oy:n kanssa uusi, energiatehokkaampi toteutus. Kuljetinosuudella on 19 vaihdemoottoria, joista 12 moottoria ohjataan taajuusmuuttajilla ja 7 moottoria kontaktoreilla. Teoriaosuudessa on perehdytty laitteiden tämän hetken haasteisiin ja pyritty selvittämään, mitä hyötyjä sekä säästöjä käyttöjen modernisoinnilla mahdollisesti saavutettaisiin. ...