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Sample records for gift life insurance

  1. 26 CFR 1.264-4 - Other life insurance, endowment, or annuity contracts.

    Science.gov (United States)

    2010-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Items Not Deductible § 1.264-4 Other life insurance... insurer, insured, or any other person (other than by gift, bequest, or inheritance, or in a transaction to...

  2. An Economic Model of Mortality Salience in Personal Financial Decision Making: Applications to Annuities, Life Insurance, Charitable Gifts, Estate Planning, Conspicuous Consumption, and Healthcare

    Directory of Open Access Journals (Sweden)

    Russell N James III

    2016-12-01

    Full Text Available The study of personal mortality salience and the denial of death have a long history in psychology leading to the modern field of Terror Management Theory. However, a simple consumer utility function predicts many of the outcomes identified in experimental research in this field. Further, this economic approach explains a range of otherwise unexpected financial decision-making behaviors in areas as diverse as annuities, life insurance, charitable gifts and bequests, intra-family gifts and bequests, conspicuous consumption, and healthcare. With its relevance to such a wide range of personal financial decisions, understanding the impact of mortality salience can be particularly useful to advisors in related fields.

  3. 26 CFR 25.2512-6 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

    Science.gov (United States)

    2010-04-01

    ... annuity. The value of the gift is the cost of the contract. Example (2). An annuitant purchased from a... Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE AND GIFT TAXES GIFT TAX; GIFTS MADE AFTER DECEMBER 31, 1954 Transfers § 25.2512-6 Valuation of certain life insurance and annuity...

  4. Optimum amount of an insurance sum in life insurance

    Directory of Open Access Journals (Sweden)

    Janez Balkovec

    2001-01-01

    Full Text Available Personal insurance represents one of the sources of personal social security as a category of personal property. How to get a proper life insurance is a frequently asked question. When insuring material objects (car, house..., the problem is usually not in the amount of the taken insurance. With life insurance (abstract goods, problems as such occur. In this paper, we wish to present a model that, according to the financial situation and the anticipated future, makes it possible to calculate the optimum insurance sum in life insurance.

  5. Group Life Insurance

    CERN Multimedia

    2013-01-01

    The CERN Administration would like to remind you that staff members and fellows have the possibility to take out a life insurance contract on favourable terms through a Group Life Insurance.   This insurance is provided by the company Helvetia and is available to you on a voluntary basis. The premium, which varies depending on the age and gender of the person insured, is calculated on the basis of the amount of the death benefit chosen by the staff member/fellow and can be purchased in slices of 10,000 CHF.    The contract normally ends at the retirement age (65/67 years) or when the staff member/fellow leaves the Organization. The premium is deducted monthly from the payroll.   Upon retirement, the staff member can opt to maintain his membership under certain conditions.   More information about Group Life Insurance can be found at: Regulations (in French) Table of premiums The Pension Fund Benefit Service &...

  6. 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.

  7. 76 FR 77455 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance-Slayer's Rule Exclusion

    Science.gov (United States)

    2011-12-13

    ... and Veterans' Group Life Insurance--Slayer's Rule Exclusion AGENCY: Department of Veterans Affairs... Veterans' Group Life Insurance--Slayer's Rule Exclusion.'' Copies of comments received will be available...) (slayer's rule ``is undoubtedly an implicit provision of the Servicemen's Group Life Insurance Act of 1965...

  8. Considerations on Albanian Life Insurance Market

    Directory of Open Access Journals (Sweden)

    Gentiana Sharku

    2011-03-01

    Full Text Available The life insurance sector is an important sector of the economy all over the world. Life insurance provides the economy and the individuals as well, a variety of fundamental financial services.Regardless the importance it has all around the world, life insurance market in Albania is still underdeveloped comparing not only to the Western European countries, but to the region countries as well. The comparative analysis of insurance market is carried out by means of two indexes: insurance density and penetration index. The life insurance market in Albania is facing several problems which will be further explained in the paper, together with some recommendations to be taken in account by Albanian insurance companies and the Albanian government as well.

  9. ENDOWMENT LIFE INSURANCE

    Directory of Open Access Journals (Sweden)

    Zeljko Sain

    2013-06-01

    Full Text Available The aim of the paper that treats the actuarial model of insurance in case of survival or early death is to show the actuarial methods and methodology for creating a model and an appropriate number of sub-models of the most popular form of life insurance in the world. The paper applies the scientific methodology of the deductive character based on scientific, theoretical knowledge and practical realities. Following the basic theoretical model’s determinants, which are at the beginning of the paper, the basic difference between models further in this paper was carried out according to the character of the premium to be paid. Finally, the financial repercussions of some models are presented at examples in insurance companies. The result of this paper is to show the spectrum of possible forms of capital endowment insurance which can be, without major problems, depending on the financial policy of the company, applied in actual practice. The conclusion of this paper shows the theoretical and the practical reality of this model, life insurance, and its quantitative and qualitative guidelines.

  10. Group life insurance

    CERN Multimedia

    2013-01-01

    The CERN Administration wishes to inform staff members and fellows having taken out optional life insurance under the group contract signed by CERN that the following changes to the rules and regulations entered into force on 1 January 2013:   The maximum age for an active member has been extended from 65 to 67 years. The beneficiary clause now allows insured persons to designate one or more persons of their choice to be their beneficiary(-ies), either at the time of taking out the insurance or at a later date, in which case the membership/modification form must be updated accordingly. Beneficiaries must be clearly identified (name, first name, date of birth, address).   The membership/modification form is available on the FP website: http://fp.web.cern.ch/helvetia-life-insurance For further information, please contact: Valentina Clavel (Tel. 73904) Peggy Pithioud (Tel. 72736)

  11. Marketing in life insurance

    Directory of Open Access Journals (Sweden)

    Njegomir Vladimir

    2006-01-01

    Full Text Available Insurance industry has traditionally been oriented on sale of its products i.e. at the stage which from the aspect of marketing theory can be characterized as sales phase, phase which proceeds the marketing orientation. However, faced with numerous challenges of modern business environment such as globalization, deregulation and sophisticated information technology insurance companies must change their way of doing business. Competition is becoming fierce as insurance companies are faced with competition not only from insurance industry but also from other competitors, such as banks, that are in position to offer product substitutes for life insurance products. In this new environment information about customers and their education are becoming critical factors. Insurance companies must know their customers what influences their demand for life insurance, what is the amount of their income, what is inflation rate, their expenditures on other goods i.e. opportunity costs, etc. Those are factors that force insurance companies to concentrate more on present and potential buyers and their needs and force them to give their best to satisfy those needs in a way that will produce delighted customers.

  12. 78 FR 58264 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information Access

    Science.gov (United States)

    2013-09-23

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AO42 Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information Access AGENCY: Department of Veterans Affairs. ACTION: Proposed rule. SUMMARY: The Department of Veterans Affairs (VA) proposes to amend its regulations governing...

  13. Life Insurance Basics: A Self-Help Workbook for Consumers.

    Science.gov (United States)

    Saskatchewan Consumer and Commercial Affairs, Regina.

    This booklet provides consumers with an overview of information about life insurance. Chapter 1, "Why Life Insurance?" outlines the primary purposes of life insurance coverage and presents basic facts about the Canadian life insurance industry. Chapter 2, "Do I Need Life Insurance?" discusses life insurance coverage at specific…

  14. Modelling in life insurance a management perspective

    CERN Document Server

    Norberg, Ragnar; Planchet, Frédéric

    2016-01-01

    Focussing on life insurance and pensions, this book addresses various aspects of modelling in modern insurance: insurance liabilities; asset-liability management; securitization, hedging, and investment strategies. With contributions from internationally renowned academics in actuarial science, finance, and management science and key people in major life insurance and reinsurance companies, there is expert coverage of a wide range of topics, for example: models in life insurance and their roles in decision making; an account of the contemporary history of insurance and life insurance mathematics; choice, calibration, and evaluation of models; documentation and quality checks of data; new insurance regulations and accounting rules; cash flow projection models; economic scenario generators; model uncertainty and model risk; model-based decision-making at line management level; models and behaviour of stakeholders. With author profiles ranging from highly specialized model builders to decision makers at chief ex...

  15. 41 CFR 60-741.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-741.25 Section 60-741.25 Public Contracts and Property Management... Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service...

  16. 77 FR 60304 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance-Slayer's Rule Exclusion

    Science.gov (United States)

    2012-10-03

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AN40 Servicemembers' Group Life Insurance and Veterans' Group Life Insurance--Slayer's Rule Exclusion AGENCY: Department of Veterans Affairs. ACTION: Final rule. SUMMARY: The Department of Veterans Affairs (VA) is amending its regulations...

  17. Marital and Life Satisfaction among Gifted Adults

    Science.gov (United States)

    Perrone-McGovern, Kristin M.; Boo, Jenelle N.; Vannatter, Aarika

    2012-01-01

    Spousal giftedness, dual-career status, and gender were studied in relation to marital and life satisfaction among gifted adults. The data for the present study were collected twice over a 5-year period in order to examine the stability of the findings over time. Results indicated that marital satisfaction was significantly related to life…

  18. 41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life... VETERANS, AND ARMED FORCES SERVICE MEDAL VETERANS Discrimination Prohibited § 60-300.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company, health...

  19. 41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life... SEPARATED VETERANS, AND OTHER PROTECTED VETERANS Discrimination Prohibited § 60-250.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company, health...

  20. Life Insurance Contribution, Insurance Development and Economic Growth in China

    Directory of Open Access Journals (Sweden)

    Wang Ying

    2017-07-01

    Full Text Available Under L-type economy, remodelling the growth power in the medium and long term is essential. The insurance industry during the 13th Five-year Plan period has been given a heavy expectation on promoting economic quality and upgrading economic efficiency, so it will try to accelerate its innovation and development process which serves national needs, market demand and people's requirements. Referring to the previous researches of Solow and Zhang and measuring Capital Stock and Total Factor Productivity independently, the paper analyses the inherent correlation between insurance (including life insurance and non-life insurance and economic growth, reveals the contribution law of the insurance development in economic growth in the short and long term from both economic scale and quality respectively. It also shows enlightenments on policy decision for insurance industry, thus helps economic stability under the downturn periods.

  1. 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.

  2. Life Insurance In Russia: Features Of Regional Development

    Directory of Open Access Journals (Sweden)

    Evgenia Leonidovna Prokopjeva

    2015-03-01

    Full Text Available Life insurance is the economic tool allowing to accumulate large monetary funds at the level of the country, regions and certain insurers, and also providing growth of a standard of living of citizens and social stability in society. Subject matter of the research is the economic aspects of development of life insurance in regions of Russia. The purpose of the work — to carry out the comparative analysis of functioning of the markets for life insurance in territorial subjects of the Russian Federation, to reveal regularities and distinctive features of development of the markets and to define further prospects of branch. Methods of research: analysis, comparison, induction, analogy, mathematical modeling were used. The main results of research: life insurance — a demanded financial product in Moscow, but in regions of Russia demand for it is extremely limited; economic indicators of the market have low values and vary on territorial subjects of the Russian Federation; statistics of a variation confirm heterogeneity of functioning of the life insurance marketin comparison with the insurance market in general; life insurance volumes in regions of Russia significantly depend on activity of real sector of economy, thus have practically no close interrelation with the income of the population. Collaboration of authorities of all levels and insurance community is necessary for effective development of the life insurance marketin regions. The special attention has to be paid to price policy of insurers, increase of transparency of the movement of their financial streams and guarantees of recoverability of means of insurers.

  3. Gift-giving and network structure in rural China: utilizing long-term spontaneous gift records.

    Science.gov (United States)

    Chen, Xi

    2014-01-01

    The tradition of keeping written records of gift received during household ceremonies in many countries offers researchers an underutilized means of data collection for social network analysis. This paper first summarizes unique features of the gift record data that circumvent five prevailing sampling and measurement issues in the literature, and we discuss their advantages over existing studies at both the individual level and the dyadic link level using previous data sources. We then document our research project in rural China that implements a multiple wave census-type household survey and a long-term gift record collection. The pattern of gift-giving in major household social events and its recent escalation is analyzed. There are significantly positive correlations between gift network centrality and various forms of informal insurance. Finally, economic inequality and competitive marriage market are among the main demographic and socioeconomic determinants of the observed gift network structure.

  4. Identifying Stressors and Reactions to Stressors in Gifted and Non-Gifted Students

    Science.gov (United States)

    Amini, Marzieh

    2005-01-01

    Using the Student Life Stress Inventory and the Coopersmith Self-Esteem Inventory, stressors and reactions to stressors were identified in gifted high school students and compared with non-gifted students. Altogether, 340 boys and girls (156 gifted and 184 non-gifted students) from four high schools in Shiraz (two high schools for gifted and two…

  5. Life insurance mathematics

    CERN Document Server

    Gerber, Hans U

    1997-01-01

    This concise introduction to life contingencies, the theory behind the actuarial work around life insurance and pension funds, will appeal to the reader who likes applied mathematics. In addition to model of life contingencies, the theory of compound interest is explained and it is shown how mortality and other rates can be estimated from observations. The probabilistic model is used consistently throughout the book. Numerous exercises (with answers and solutions) have been added, and for this third edition several misprints have been corrected.

  6. Life insurance theory actuarial perspectives

    CERN Document Server

    Vylder, F Etienne

    1997-01-01

    This book is different from all other books on Life Insurance by at least one of the following characteristics 1-4. 1. The treatment of life insurances at three different levels: time-capital, present value and price level. We call time-capital any distribution of a capital over time: (*) is the time-capital with amounts Cl, ~, ... , C at moments Tl, T , ..• , T resp. N 2 N For instance, let (x) be a life at instant 0 with future lifetime X. Then the whole oO oO life insurance A is the time-capital (I,X). The whole life annuity ä is the x x time-capital (1,0) + (1,1) + (1,2) + ... + (I,'X), where 'X is the integer part ofX. The present value at 0 of time-capital (*) is the random variable T1 T TN Cl V + ~ v , + ... + CNV . (**) In particular, the present value ofA 00 and ä 00 is x x 0 0 2 A = ~ and ä = 1 + v + v + ... + v'X resp. x x The price (or premium) of a time-capital is the expectation of its present value. In particular, the price ofA 00 and äx 00 is x 2 A = E(~) and ä = E(I + v + v + ... + v'X...

  7. The Role of E-Mentoring in Mathematically Gifted Students' Academic Life: A Case Study

    Science.gov (United States)

    Mammadov, Sakhavat; Topçu, Abdullah

    2014-01-01

    This qualitative inquiry presents the case study of five gifted eighth-grade students who engaged in an e-mentoring project in mathematics. The study reported in this article investigated the role of e-mentoring in gifted students' academic life. Three themes predominated in the collected data were (a) motivation, (b) effective communication and…

  8. Life insurance investment and stock market participation in Europe.

    Science.gov (United States)

    Cavapozzi, Danilo; Trevisan, Elisabetta; Weber, Guglielmo

    2013-03-01

    In most European countries life insurance has played a key role in household portfolios, to the extent that it has often been the first asset ever purchased. In this paper we use life history data from a host of European countries to investigate the role of life insurance investment in shaping individuals' attitudes towards participation in stocks and mutual funds. We show that individuals who purchased a life insurance policy are more likely to invest in stocks and mutual funds later. On the one hand, these findings support the notion that life insurance policies play an educational role in financial investment. On the other hand, they are also consistent with behavioural models where economic agents are first concerned with avoiding unacceptable adverse scenarios by purchasing low risk investments, such as life insurance policies, and then invest in riskier assets, such as stocks and mutual funds, to obtain higher economic returns. Copyright © 2012 Elsevier Ltd. All rights reserved.

  9. 26 CFR 1.821-4 - Tax on mutual insurance companies other than life insurance companies and other than fire, flood...

    Science.gov (United States)

    2010-04-01

    ... life insurance companies and other than fire, flood, or marine insurance companies, subject to tax... Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which... other than life insurance companies and other than fire, flood, or marine insurance companies, subject...

  10. Analysis of the life insurance market in the Republic of Macedonia

    Directory of Open Access Journals (Sweden)

    Andreeski Cvetko

    2012-01-01

    Full Text Available Life insurance in the Republic of Macedonia has a short history, if we do not count the experience of ZOIL Makedonija before the independence of Republic of Macedonia. The recent history of life insurance covers the last seven years and the segment of life insurance comprises about 6% of the total insurance market in the Republic of Macedonia. In this paper we analyse the development of life insurance in the Republic of Macedonia in recent history, taking the gross premiums of two of the best companies that are working in the segment of life insurance. Besides analysing the influence of the basic determinants of the development of life insurance (GDP, monetary stability, social insurance, etc. we analyse the model of time series, with the purpose of making a model and forecasting future values of the series.

  11. The Intra-Industry Effects of Life Insurance Company Demutualizaton

    Directory of Open Access Journals (Sweden)

    Joseph W. Meador

    2008-12-01

    Full Text Available We examine the impact of demutualization announcements by 13 life insurance companies during 1996-2000 on the value of existing stock-owned life insurance companies and companies in other segments of the insurance industry. Demutualization announcements are associated with negative stock price reactions in the days around the announcement, and with larger and positive stock price reactions in the days following announcement. Overall, the results support the contention that life insurance company demutualizations signal favorable future industry conditions and/or increased likelihood of future acquisitions for all segments of the insurance industry. Active-minded investors may use these results to develop alpha-generating investment strategies.

  12. Good Faith in Life Insurance Contract by Indonesian Court

    Directory of Open Access Journals (Sweden)

    Mokhamad Khoirul Huda

    2017-03-01

    Full Text Available This paper reviews both the interpretation of good faith and its implementation by the Court in terms of life insurance contracts. The principle of good faith in life insurance contracts was under the provision of the Article 251 Wet Boek van Kophandel which assigned the obligation of good faith on the insured. Based on the context of its historical and systematical interpretation, the obligation of good faith should be on both sides, the insurer and the insured. The insured had an obligation to inform any material facts and the insurer had to investigate those all facts. Until recent days, however, judges in all levels of Court did not have any shared and full understanding on the interpretation of good faith in life insurance contracts. As the result, many Courts were frequently inconsistent with each other. Hence, the sense of fairness the people perceived from the court verdict was not achieved.

  13. 26 CFR 1.802(b)-1 - Tax on life insurance companies.

    Science.gov (United States)

    2010-04-01

    .... For the definition of the term “1954 life insurance company taxable income”, see § 1.805-1. (b) The... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on life insurance companies. 1.802(b)-1...) INCOME TAX (CONTINUED) INCOME TAXES Life Insurance Companies § 1.802(b)-1 Tax on life insurance companies...

  14. Guilt about being born and debt concerning the gift of life.

    Science.gov (United States)

    Lotterman, Andrew C

    2003-01-01

    A very powerful form of preoedipal guilt stems from a sense of having damaged the life-giving parent with one's most basic needs. A related phenomenon is the child's sense that another subjectivity has deliberately chosen to give and sustain the child's life. This experience gives rise to a compelling mixture of awe, reverence, and obligation, a sense of guilt about being born, of debt concerning the gift of life. This sense of guilt and debt are part of every child's development. Depending on how conflicts surrounding them are negotiated, the child can come to feel either an appetite for living or a crushing sense of selfishness and unworthiness. Such forms of guilt and debt may lead not only to masochism generally, but to a particularly pernicious form of negative therapeutic reaction that can sabotage psychoanalytic work. A patient may feel, for instance, that a successful psychoanalysis is a selfish indulgence and an immoral betrayal of a sacred duty to rescue his or her parents from their misery. Guilt about being born and the sense of debt concerning the gift of life are linked to various developmental, psychodynamic, interpersonal, and cultural phenomena.

  15. Insuring Life : Value, Security and Risk

    NARCIS (Netherlands)

    Lobo-Guerrero, Luis

    2016-01-01

    This book is a contribution to the scholarly engagement with the wider problem of governing through risk and the politics of uncertainty. It takes life insurance as an empirical site from which to ask: what is the kind of governance created through insurance an instance of, and how does it

  16. Deflation Risk and Implications for Life Insurers

    Directory of Open Access Journals (Sweden)

    Jean-François Bégin

    2016-12-01

    Full Text Available Life insurers are exposed to deflation risk: falling prices could lead to insufficient investment returns, and inflation-indexed protections could make insurers vulnerable to deflation. In this spirit, this paper proposes a market-based methodology for measuring deflation risk based on a discrete framework: the latter accounts for the real interest rate, the inflation index level, its conditional variance, and the expected inflation rate. US inflation data are then used to estimate the model and show the importance of deflation risk. Specifically, the distribution of a fictitious life insurer’s future payments is investigated. We find that the proposed inflation model yields higher risk measures than the ones obtained using competing models, stressing the need for dynamic and market-consistent inflation modelling in the life insurance industry.

  17. Life and health insurance industry investments in fast food.

    Science.gov (United States)

    Mohan, Arun V; McCormick, Danny; Woolhandler, Steffie; Himmelstein, David U; Boyd, J Wesley

    2010-06-01

    Previous research on health and life insurers' financial investments has highlighted the tension between profit maximization and the public good. We ascertained health and life insurance firms' holdings in the fast food industry, an industry that is increasingly understood to negatively impact public health. Insurers own $1.88 billion of stock in the 5 leading fast food companies. We argue that insurers ought to be held to a higher standard of corporate responsibility, and we offer potential solutions.

  18. Financial Planning and the Life Insurance Agency

    OpenAIRE

    Robert Puelz

    1992-01-01

    In this article, the effects of fee-for-service personal financial planning on the decision making of a profit-maximizing life insurance general agent are examined. Three refutable propositions are developed which implicate the movements of the general agent who must adjust to a new optimal profit-maximizing allocation of financial planning, personal insurance sales, and agent insurance sales when there is a change in one of the fee or commission rate parameters. It is demonstrated that insur...

  19. Improvement of life insurance-related accounting opera-tions within the New Economy

    Directory of Open Access Journals (Sweden)

    Marinică DOBRIN

    2010-06-01

    Full Text Available This paper outlines the life insurance-related accounting operations, in consideration to the harmonization of the Romanian legislation with the International Financial Reporting Standards. The main accounting operations specific to the life insurance sector include: accounting of revenues and expenses derived from life insurance operations (recording the premiums written, recording the payment of insurance premiums, termination of insurance policy, recording the compensation expenses, accounting of operations related to the setting up and using the technical reserves for life insurance (general principles, accounting of premium reserves, accounting of loss reserve, accounting of the reserve for benefits and discounts, accounting of mathematical reserve, accounting of other life insurance-related technical reserves.

  20. 26 CFR 1.801-4 - Life insurance reserves.

    Science.gov (United States)

    2010-04-01

    ... is claimed. However, reserves held by the company with respect to the net value of risks reinsured in..., life insurance reserves, as in the case of level premium life insurance, are held to supplement the... amount (if any) by which: (i) The present value of the future net premiums required for such contract...

  1. Life insurance, financial development and economic growth in South Africa

    Directory of Open Access Journals (Sweden)

    Athenia Bongani Sibindi

    2014-09-01

    Full Text Available The life insurance sector may contribute to economic growth by its very mechanism of savings mobilisation and thereby performing an intermediation role in the economy. This ensures that capital is provided to deficient units who are in need of capital to finance their working capital requirements and invest in technology thereby resulting in an increase in output. In this way, it could be argued that life insurance development spurs financial development. In this article we investigate the causal relationship between the life insurance sector, financial development and economic growth in South Africa for the period 1990 to 2012. We make use of life insurance density as the proxy for life insurance development, real per capita growth domestic product as the proxy for economic growth and real broad money per capita as the proxy for financial development. We test for cointegration amongst the variables by applying the Johansen procedure and then proceed to test for Granger causality based on the vector error correction model (VECM. Our results confirm the existence of at least one cointegrating relationship amongst the variables. The results indicate that the direction of causality runs from the economy to the life insurance sector which is consistent with the “demand-following” insurance-growth hypothesis. There is also evidence of causality running from the economy to financial development which is consistent with the “demand following” finance-growth hypothesis. The results also reveal that life insurance complements economic growth in bringing about financial development further lending credence to the “complementarity” hypothesis

  2. An application of Fuzzy DEMATEL electronic life-insurance development

    Directory of Open Access Journals (Sweden)

    Seyed Vali Tabatabaei

    2013-02-01

    Full Text Available For years, e-commerce has generated competitive advantage for many industries especially in insurance industry where people could apply for any sort of insurance, very easily. In fact, insurance industry has become one of the most important sectors in the world. E-commerce, on the other hand, has absorbed various people in insurance industry to develop economic growth. However, applying e-commerce for insurance firms may encounter serious obstacles and it is important to know them properly and setup appropriate actions to remove them. In this paper, we present a multi-criteria decision making (MCDM technique based on DEMATEL with an adaptation of fuzzy logic to find important factors impacting implementation of e-commerce for life insurance industry. The proposed study of this paper designs a questionnaire and distributes it among some insurance experts and then we analyze them using fuzzy DEMATEL technique. Findings indicate that “lack of designing death table based on the existing statistics of population death in Iran”, “lack of variety in protections of life insurance in proportionate to society individual’s requirements by means of low level income of society individuals” and “lack of extensive advertisements for developing the culture of life insurance in country” are the most important factors influencing insurance industry for enhancing e-business.

  3. A Two-Account Life Insurance Model for Scenario-Based Valuation Including Event Risk

    DEFF Research Database (Denmark)

    Jensen, Ninna Reitzel; Schomacker, Kristian Juul

    2015-01-01

    Using a two-account model with event risk, we model life insurance contracts taking into account both guaranteed and non-guaranteed payments in participating life insurance as well as in unit-linked insurance. Here, event risk is used as a generic term for life insurance events, such as death......, disability, etc. In our treatment of participating life insurance, we have special focus on the bonus schemes “consolidation” and “additional benefits”, and one goal is to formalize how these work and interact. Another goal is to describe similarities and differences between participating life insurance...... product types. This enables comparison of participating life insurance products and unit-linked insurance products, thus building a bridge between the two different ways of formalizing life insurance products. Finally, our model distinguishes itself from the existing literature by taking into account...

  4. 5 CFR 352.309 - Retirement, health benefits, and group life insurance.

    Science.gov (United States)

    2010-01-01

    ... Organizations § 352.309 Retirement, health benefits, and group life insurance. (a) Agency action. An employee... entitled to retain coverage for retirement, health benefits, and group life insurance purposes if he or she... he or she wishes to retain coverage under the retirement, health benefits, and group life insurance...

  5. 26 CFR 1.1402(a)-18 - Split-dollar life insurance arrangements.

    Science.gov (United States)

    2010-04-01

    ... life insurance arrangements. See §§ 1.61-22 and 1.7872-15 for rules relating to the treatment of split-dollar life insurance arrangements. [T.D. 9092, 68 FR 54352, Sept. 17, 2003] ... 26 Internal Revenue 12 2010-04-01 2010-04-01 false Split-dollar life insurance arrangements. 1...

  6. 12 CFR 618.8040 - Authorized insurance services.

    Science.gov (United States)

    2010-01-01

    ... association, to accept or reject such insurance. (b) Bank and association board policies governing the... by receipt of commissions or gifts from underwriting insurance companies. However, employees may... extension of credit or provision of other service on the purchase of insurance sold or endorsed by a bank or...

  7. Rediscovering Froebel: A Call to Re-Examine His Life and Gifts

    Science.gov (United States)

    Manning, John P.

    2005-01-01

    This article examines the life of Friedrich Froebel, the founder of the kindergarten movement and his first 10 "gifts to children." The author suggests that Froebel's philosophy of German Romanticism caused the waning use of his methods. He continues to state that Froebel's development of instructional material and structured play-based curricula…

  8. What new policies should South Africa's life insurance industry adopt?

    Science.gov (United States)

    Solomon, G

    1996-12-01

    By February 1996, the South African life insurance industry had paid out more than R75 million in AIDS-related claims. This situation requires imposition of controls that will make economic sense while reflecting the social responsibility of the insurance companies. AIDS mortality rates suggest that for each 10% of the infected insured population, the risk premium rates should increase 400%. Thus, without controls, the life insurance sector may collapse. While it has been charged that HIV testing associated with the provision of life insurance discriminates against infected individuals, failure to test compromises the rights of uninfected individuals in the individual assurance market. HIV test protocols can be used that protect applicants from false positive results, prevent fraud, and preserve confidentiality. Proposals to require five-year retesting have also been criticized but would protect the interests of uninfected individuals who want life insurance to remain affordable. In an innovative move, South Africa now includes "full-blown AIDS" among the list of "dreaded diseases" that trigger an immediate pay-out. While purchasing life insurance may fall low on the list of priorities of an infected person, demand continues, and two companies offer expensive products to those with Stage I and II disease. Medical insurance is also threatened by the increased costs associated with HIV/AIDS, and treatment protocols may be the only way to control medical expenses and assure the future of medical insurance. At this stage of the epidemic, no one seems prepared to meet their share of the costs associated with HIV/AIDS.

  9. DEVELOPMENTS AND TRENDS IN THE LIFE INSURANCE MARKET IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Florina Oana Virlanuta

    2013-12-01

    Full Text Available An essential aspect in the life and evolution of man since ancient times was the concern for the future, fear combined with care and wisdom certainly accomplished something. The events of our lives fast moving and often they occur unpredictably. We need to make sure that our family is safe and receiving all the financial support it needs. Evolving from simple function of protection in case of death, life insurance became more complex, and at the moment we can choose one of the following forms of insurance. Life insurance is a form of financial protection of human in case of an accident, illness, disability or death. In this regard we propose an analysis of the life insurance market in Romania.

  10. Investment Guarantees in the South African Life Insurance Industry ...

    African Journals Online (AJOL)

    This paper explores the risks faced by South African life insurance companies arising from the provision of investment guarantees in products sold. The current thinking and practice of the larger South African life insurance companies regarding investment guarantees is set out following their responses to a survey.

  11. Life Insurance and Individual Pension System

    Directory of Open Access Journals (Sweden)

    İbrahim PAÇACI

    2017-12-01

    Full Text Available There is no explanation in the source about the insurance and the private pension system, which are not known at the time of the formation of the fiqh and the period of the support. Upon the spread of the insurance, The provision of insurance in the geography of Islam has also begun to be discussed. There are contracts that have the elements and conditions that must be found in itself and that are not contradictory to the basic principles of Islam. In this respect, without accumulating life insurance that protects the person against sudden risks is permissible. The provision of cumulative life insurance and the individual pension system depends on the area where the premiums are deposited and the type of payment. Provided that the premiums are assessed in halal areas; a at the end of the period premiums and interests are paid back in full or on a specific plan, or b all or part of the premiums and interests are left in the company and the income share is paid as salary, these are permissible. However, it is not permissible if all or part of the premiums and duties are left in the company and a fixed salary is attached. It is permissible for the State to contribute to the entry into the private pension system in order to incentivize the savings, and it is permissible for them to receive this contribution.

  12. 26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

    Science.gov (United States)

    2010-04-01

    ... mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual... companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance... insurance companies and mutual fire insurance companies exclusively issuing either perpetual policies, or...

  13. Should Australia Ban the Use of Genetic Test Results in Life Insurance?

    Science.gov (United States)

    Tiller, Jane; Otlowski, Margaret; Lacaze, Paul

    2017-01-01

    Under current Australian regulation, life insurance companies can require applicants to disclose all genetic test results, including results from research or direct-to-consumer tests. Life insurers can then use this genetic information in underwriting and policy decisions for mutually rated products, including life, permanent disability, and total income protection insurance. Over the past decade, many countries have implemented moratoria or legislative bans on the use of genetic information by life insurers. The Australian government, by contrast, has not reviewed regulation since 2005 when it failed to ensure implementation of recommendations made by the Australian Law Reform Commission. In that time, the Australian life insurance industry has been left to self-regulate its use of genetic information. As a result, insurance fears in Australia now are leading to deterred uptake of genetic testing by at-risk individuals and deterred participation in medical research, both of which have been documented. As the potential for genomic medicine grows, public trust and engagement are critical for successful implementation. Concerns around life insurance may become a barrier to the development of genomic health care, research, and public health initiatives in Australia, and the issue should be publicly addressed. We argue a moratorium on the use of genetic information by life insurers should be enacted while appropriate longer term policy is determined and implemented.

  14. Should Australia Ban the Use of Genetic Test Results in Life Insurance?

    Directory of Open Access Journals (Sweden)

    Jane Tiller

    2017-12-01

    Full Text Available Under current Australian regulation, life insurance companies can require applicants to disclose all genetic test results, including results from research or direct-to-consumer tests. Life insurers can then use this genetic information in underwriting and policy decisions for mutually rated products, including life, permanent disability, and total income protection insurance. Over the past decade, many countries have implemented moratoria or legislative bans on the use of genetic information by life insurers. The Australian government, by contrast, has not reviewed regulation since 2005 when it failed to ensure implementation of recommendations made by the Australian Law Reform Commission. In that time, the Australian life insurance industry has been left to self-regulate its use of genetic information. As a result, insurance fears in Australia now are leading to deterred uptake of genetic testing by at-risk individuals and deterred participation in medical research, both of which have been documented. As the potential for genomic medicine grows, public trust and engagement are critical for successful implementation. Concerns around life insurance may become a barrier to the development of genomic health care, research, and public health initiatives in Australia, and the issue should be publicly addressed. We argue a moratorium on the use of genetic information by life insurers should be enacted while appropriate longer term policy is determined and implemented.

  15. 26 CFR 1.61-22 - Taxation of split-dollar life insurance arrangements.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Taxation of split-dollar life insurance..., and Taxable Income § 1.61-22 Taxation of split-dollar life insurance arrangements. (a) Scope—(1) In general. This section provides rules for the taxation of a split-dollar life insurance arrangement for...

  16. 26 CFR 1.821-3 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

    Science.gov (United States)

    2010-04-01

    ... life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-3 Section 1... and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1.821-3 Tax on mutual insurance companies other than life or marine or fire insurance...

  17. 26 CFR 1.821-1 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

    Science.gov (United States)

    2010-04-01

    ... life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-1 Section 1... and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium Deposits) § 1.821-1 Tax on mutual insurance companies other than life or marine or fire insurance...

  18. Market valuation in the framework of modern life insurance mathematics

    Directory of Open Access Journals (Sweden)

    Maja Petrač

    2013-12-01

    Full Text Available In the traditional actuarial life insurance mathematics, liabilities to beneficiaries (technical reserves are calculated based on conservative assumptions of mortality and interest rates. However, this approach was found to be incomplete since it does not contain the market component which has become essential due to the development of the financial market. Since about 80% of total liabilities of life insurance companies are made up of technical reserves, this issue has a major impact on the overall performance of insuran - ce companies. The introduction of financial components into the actuarial valuation resulted in actuarial mathematics using more and more the elements of financial mathematics thus creating new, modern life insurance mathematics. Using a simple example, this paper compares the traditional and market approaches to valuation. For this purpose, one of the principles of modern life insurance mathematics, the principle of equivalence, was observed. The above market approach to valuation, together with operational risk management, forms the basis of Solvency II Directive, the new legislative and regulatory framework for insurance and reinsurance companies in the European Union.

  19. COMPARATIVE ANALYSIS OF THE LIFE INSURANCE IN REPUBLIC OF MACEDONIA AND REPUBLIC OF SERBIA

    Directory of Open Access Journals (Sweden)

    GORDANA VITANOVA

    2015-12-01

    Full Text Available The insurance companies are important participants in the capital market. They have significant contributions in providing financial stability and encouraging competitiveness on the financial market. The insurance companies mobilize huge financial resources, investing them into different financial instruments, and so it is real to expect that they will take a role of leading institutional mediators in future. The insurance companies offer life and common insurance. Policies for life insurance offer possibility to invest into own safety and easier tackling with life challenges and uncertainties. They are especially important for the individual , because he/she is constantly exposed to risks during his/her life and work, that are manifested into decreasing of working ability and lack of resources for life in some defined period. In the developed countries, there is a tradition for possessing policies for life insurance, but it is not a case in R.Macedonia. Therefore, in this study, we shall carry out comparative analysis of life insurance in R. Macedonia and R. Serbia, the politics of insurance companies and supervision of the insurance sector, and we shall give proposals for encouraging development of insurance market in these two countries, and for increasing individual’s awareness of the benefits of having policies for life insurance.

  20. A Two-Account Life Insurance Model for Scenario-Based Valuation Including Event Risk

    Directory of Open Access Journals (Sweden)

    Ninna Reitzel Jensen

    2015-06-01

    Full Text Available Using a two-account model with event risk, we model life insurance contracts taking into account both guaranteed and non-guaranteed payments in participating life insurance as well as in unit-linked insurance. Here, event risk is used as a generic term for life insurance events, such as death, disability, etc. In our treatment of participating life insurance, we have special focus on the bonus schemes “consolidation” and “additional benefits”, and one goal is to formalize how these work and interact. Another goal is to describe similarities and differences between participating life insurance and unit-linked insurance. By use of a two-account model, we are able to illustrate general concepts without making the model too abstract. To allow for complicated financial markets without dramatically increasing the mathematical complexity, we focus on economic scenarios. We illustrate the use of our model by conducting scenario analysis based on Monte Carlo simulation, but the model applies to scenarios in general and to worst-case and best-estimate scenarios in particular. In addition to easy computations, our model offers a common framework for the valuation of life insurance payments across product types. This enables comparison of participating life insurance products and unit-linked insurance products, thus building a bridge between the two different ways of formalizing life insurance products. Finally, our model distinguishes itself from the existing literature by taking into account the Markov model for the state of the policyholder and, hereby, facilitating event risk.

  1. 77 FR 4734 - Servicemembers' Group Life Insurance-Stillborn Child Coverage

    Science.gov (United States)

    2012-01-31

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AO30 Servicemembers' Group Life Insurance--Stillborn Child Coverage AGENCY: Department of Veterans Affairs. ACTION: Proposed rule. SUMMARY: The Department of Veterans Affairs (VA) proposes to amend its Servicemembers' Group Life Insurance (SGLI...

  2. How life insurance can benefit the business owner

    International Nuclear Information System (INIS)

    Byles, B.

    1993-01-01

    There are many situations when life insurance can fill the financial needs of business owners. Three of the most common needs are business continuation/value conservation (buy-sell agreement), asset conservation upon death or disability of a key employee (replace the value of a key employee upon death or disability), and the reward and retention of selected employees (bonus or deferred compensation). Let's take a closer look to see why life insurance makes sense in these three areas

  3. Statistical methods with applications to demography and life insurance

    CERN Document Server

    Khmaladze, Estáte V

    2013-01-01

    Suitable for statisticians, mathematicians, actuaries, and students interested in the problems of insurance and analysis of lifetimes, Statistical Methods with Applications to Demography and Life Insurance presents contemporary statistical techniques for analyzing life distributions and life insurance problems. It not only contains traditional material but also incorporates new problems and techniques not discussed in existing actuarial literature. The book mainly focuses on the analysis of an individual life and describes statistical methods based on empirical and related processes. Coverage ranges from analyzing the tails of distributions of lifetimes to modeling population dynamics with migrations. To help readers understand the technical points, the text covers topics such as the Stieltjes, Wiener, and Itô integrals. It also introduces other themes of interest in demography, including mixtures of distributions, analysis of longevity and extreme value theory, and the age structure of a population. In addi...

  4. Performance of the life insurance industry under pressure: efficiency, competition and consolidation

    NARCIS (Netherlands)

    Bikker, J.A.

    2012-01-01

    A well-performing life insurance industry benefits consumers, producers and insurance firm stockholders alike. Unfavourable market conditions stress the need for life insurers to perform well in order to remain solvent. Using a unique supervisory data set, this paper investigates competition and

  5. POLICY, PROTECTION OF POLICYHOLDER, AND LIFE INSURANCE EDUCATION TO THE SOCIETY

    Directory of Open Access Journals (Sweden)

    Hana Sri Juni Kartika

    2014-03-01

    Full Text Available Changes towards betterment of policyholder protection is not proportional to the growth of life insurance company. Policyholders encounter difficulties in asserting their rights when their life insurance companyis in financial straits and served with bankruptcy petition. Life insurance company and regulator have tore-regulate in detail every possible provision contained in a life insurance and ensure that each clausehas been incorporated in the policy, to protect policyholder. The society must be educated to the rightsand responsibility of the policyholder and the insurer, including the protection accorded to policyholders when the life insurance company is on the edge of financial distress or bankruptcy. Peningkatan perlindungan bagi pemegang polis belumlah memadai jika dibandingkan dengan pertumbuhan industri perasuransian. Pemegang polis menghadapi kesulitan untuk mendapatkan haknya ketika perusahaan asuransi menghadapi kondisi keuangan yang tidak sehat dan kebangkrutan. Perusahaan asuransi dan pembuat undang-undang harus mengatur kembali secara rinci semua klausul yang diperlukan dan memastikan bahwa klausul tersebut sudah termuat dalam polis asuransi, khususnyahal-hal yang mengatur mengenai perlindungan bagi pemegang polis asuransi jiwa. Masyarakat perlu diedukasi tentang hak dan tanggungjawab dari pemegang polis dan perusahaan asuransi selaku penjamin, termasuk mengenai perlindungan pemegang polis ketika perusahaan asuransi jiwa menghadapi masalah keuangan atau kebangkrutan.

  6. Life Insurance and Annuity Demand under Hyperbolic Discounting

    Directory of Open Access Journals (Sweden)

    Siqi Tang

    2018-04-01

    Full Text Available In this paper, we analyse and construct a lifetime utility maximisation model with hyperbolic discounting. Within the model, a number of assumptions are made: complete markets, actuarially fair life insurance/annuity is available, and investors have time-dependent preferences. Time dependent preferences are in contrast to the usual case of constant preferences (exponential discounting. We find: (1 investors (realistically demand more life insurance after retirement (in contrast to the standard model, which showed strong demand for life annuities, and annuities are rarely purchased; (2 optimal consumption paths exhibit a humped shape (which is usually only found in incomplete markets under the assumptions of the standard model.

  7. Some Aspects Regarding the Analysis of the Life Insurance Market

    Directory of Open Access Journals (Sweden)

    Constantin Anghelache

    2009-03-01

    Full Text Available This paper aims to draw-up an analysis of the life insurance market in Romania. This survey is drawn up for the period 2003-2006 and the data used for this analysis were taken over from the Annual Reports published by the Insurance Supervision Commission. Life insurance market in Romania is a steady growing market as a result of the economic growth and the purchase power but is still far away from the development stage of the European markets.

  8. 26 CFR 1.72-16 - Life insurance contracts purchased under qualified employee plans.

    Science.gov (United States)

    2010-04-01

    ... pension, annuity, or profit-sharing plans for the purchase of life insurance contracts and rules for the... income, an endowment, or other contract providing life insurance protection. The rules of this section.... (b) Treatment of cost of life insurance protection. (1) The rules of this paragraph are applicable to...

  9. Presence of the gift

    Directory of Open Access Journals (Sweden)

    Game, Ann

    2010-01-01

    Full Text Available Philosophers, social theorists and cultural theorists have generally followed Mauss in assuming that gifts entail obligatory exchanges between distinct parties who give, receive and reciprocate, and, that the social emerges through this sequence of obligations. It is the obligation to reciprocate, for example, that led Derrida to claim that the gift is impossible. We consider the alternative ideas that non-exchange gifts are not only possible but the basis of social life: that the social arises from the nonsequential giving-and-receiving of a gift relation. To develop this claim, we draw on a research project on the phenomenology of teaching. While many interviewees, teachers and students, spoke of the gift in exchange terms, many also spoke of classroom experiences in which there is a giving and receiving that is neither sequential nor locatable. Through the resonances of the concept of presence, we draw out the time, space and ontology of the gift.

  10. Presence of the Gift

    Directory of Open Access Journals (Sweden)

    Ann Game

    2010-03-01

    Full Text Available Philosophers, social theorists and cultural theorists have generally followed Mauss in assuming that gifts entail obligatory exchanges between distinct parties who give, receive and reciprocate, and, that the social emerges through this sequence of obligations. It is the obligation to reciprocate, for example, that led Derrida to claim that the gift is impossible. We consider the alternative ideas that non-exchange gifts are not only possible but the basis of social life: that the social arises from the nonsequential giving-and-receiving of a gift relation. To develop this claim, we draw on a research project on the phenomenology of teaching. While many interviewees, teachers and students, spoke of the gift in exchange terms, many also spoke of classroom experiences in which there is a giving and receiving that is neither sequential nor locatable. Through the resonances of the concept of presence, we draw out the time, space and ontology of the gift.

  11. Should Australia Ban the Use of Genetic Test Results in Life Insurance?

    OpenAIRE

    Tiller, Jane; Otlowski, Margaret; Lacaze, Paul

    2017-01-01

    Under current Australian regulation, life insurance companies can require applicants to disclose all genetic test results, including results from research or direct-to-consumer tests. Life insurers can then use this genetic information in underwriting and policy decisions for mutually rated products, including life, permanent disability, and total income protection insurance. Over the past decade, many countries have implemented moratoria or legislative bans on the use of genetic information ...

  12. The Antecedents of Customer Loyalty: An Empirical Investigation in Life Insurance Context

    Directory of Open Access Journals (Sweden)

    Srivastava Medha

    2013-06-01

    Full Text Available The present paper seeks to offer the most decipherable and widely applicable antecedents of customer loyalty. It explores the extant literature on customer loyalty and brings out seven variableswhich are responsible for formation of customer loyalty. Further, the relative importance of these variables has been ascertained through Multiple Regression Analysis which revealed that service quality and commitment are the strongest predictors of customer loyalty in theIndian life insurance industry. The paper also attempts to assess the loyalty status of life insurance customers in India and draw a comparison between public and private sector life insurancecompanies in order to provide significant insights to the life insurance companies that may assist them in devising better loyalty practices. The findings suggest that Indian customers do care about the public sector status of a financial service provider as it entails a sense of security and stability and thus creates a difference between customer loyalty of public sector life insurerand that of private sector life insurer. The paper holds significant implications for academicians interested in dynamics of customer loyalty as well as the marketers of life insurance services whoare concerned with customer relationships.

  13. Federal Tax Implications of Charitable Gift Annuities

    Science.gov (United States)

    Teitell, Conrad

    1975-01-01

    Surveys the federal tax implications of "immediate" charitable gift annuities (annuity payments beginning within one year of transfer) and "deferred payment" charitable gift annuities (beginning at a specified date), both of which enable individuals to make a charitable gift, retain a form of life income, and achieve federal…

  14. Hidden persuaders: Do small gifts lubricate business negotiations?

    OpenAIRE

    Maréchal, Michel André; Thöni, Christian

    2016-01-01

    Gift-giving customs are ubiquitous in social, political, and business life. Legal regulation and industry guidelines for gifts are often based on the assumption that large gifts have the potential to influence behavior and create conflicts of interest, but small gifts do not. However, scientific evidence on the impact of small gifts on business relationships is scarce. We conducted a controlled field experiment in collaboration with sales agents of a multinational consumer products company to...

  15. Influencers of Life Insurance Investments: Empirical Evidence from Europe

    Directory of Open Access Journals (Sweden)

    Aditi Mitra

    2017-09-01

    Full Text Available This study analyzes the impact of economic, demographic and cultural factors on life insurance consumption in 28 European countries. The period of study is post financial crisis from 2009-2014, and the study considers many of the emerging Eastern European economies where there have been significant insurance sector reforms recently. Europe is the world’s largest insurance market with 35% of the overall insurance premium contribution, but ranks third in insurance per capita, hence Europe is an interesting region in which to study insurance demand. The study observed four economic parameters: GDP per capita, gross savings, competitiveness of the nation, and inflation, as significant impacts on the insurance consumption in the region. Two demographic factors, population and education, and two cultural factors, individualism and long term orientation, appear to impact insurance consumption in the selected countries.

  16. Life insurance, living benefits, and physician-assisted death.

    Science.gov (United States)

    Parker, Frederick R; Rubin, Harvey W; Winslade, William J

    2004-01-01

    One of the most significant concerns about the legalization of physician-assisted death in the United States relates to the possibility that a chronically or terminally ill person would choose to end her or his life for financial reasons. Because we believe that the life insurance industry is uniquely poised to help minimize any such incentive, we submit that it has a moral obligation to do so. In particular, we propose that the industry encourage greater flexibility in the payout of policy benefits in the event an insured should be diagnosed with a terminal illness or suffer from intractable pain.

  17. ECONOMIC & DEMOGRAPHIC CHARACTERICTICS, SOCIAL CAPITAL AND DEMAND FOR LIFE INSURANCE: EVIDENCE FROM CENTRAL REGION OF SRI LANKA

    Directory of Open Access Journals (Sweden)

    Sisira Kumara NARADDA GAMAGE

    2016-08-01

    Full Text Available This paper presents findings of the determinants of demand for life insurance in the central region of Sri Lanka.  It is a novel study in the sense that it incorporated social capital as a determinant of demand for life insurance. Primary data has been collected through random sampling and the logistic model was used to examine the determinants of the demand for life insurance. Results confirmed that gender, income, trust and social capital has significant effect on demand for life insurance in the study area. Income and trust came out positive contributors of life insurance demand. However, it is worthy to note that although income has a positive effect on life insurance demand but its odds ratio makes it less important factor to influence demand for life insurance. Gender has deteriorated effect on demand for life insurance indicating that male household head less likely to purchase life insurance. Similarly, social capital also has a negative impact on demand for life insurance. Other determinants like age, religious status, working status, and education, has not significant effect on life insurance demand. Policies are recommended on research findings.

  18. Ben Taub General Hospital & LifeGift: Strengthening a Partnership to Save Lives and Improve Healthcare Delivery

    National Research Council Canada - National Science Library

    Philpot, Douglas G

    2007-01-01

    Ben Taub General Hospital, working closely with LifeGift, consistently ranks at or near the top of the list of hospitals in the United States that receive informed consent for organ donation from patients' families...

  19. COMPARING OF DEPOSIT MODEL AND LIFE INSURANCE MODEL IN MACEDONIA

    Directory of Open Access Journals (Sweden)

    TATJANA ATANASOVA-PACHEMSKA

    2016-02-01

    Full Text Available In conditions of the continuous decline of the interest rates for bank deposits, and at a time when uncertainty about the future is increasing, physical and legal persons have doubts how to secure their future or how and where to invest their funds and thus to “fertilize” and increase their savings. Individuals usually choose to put their savings in the bank for a certain period, and for that period to receive certain interest, or decide to invest their savings in different types of life insurance and thus to "take care" of their life, their future and the future of their families. In mathematics are developed many models that relate to the compounding and the insurance. This paper is a comparison of the deposit model and the model of life insurance

  20. Non-Life Insurance Pricing: Multi Agents Model

    OpenAIRE

    Amir H. Darooneh

    2004-01-01

    We use the maximum entropy principle for pricing the non-life insurance and recover the B\\"{u}hlmann results for the economic premium principle. The concept of economic equilibrium is revised in this respect.

  1. Performance of the Life Insurance Industry Under Pressure : Efficiency, Competition, and Consolidation

    NARCIS (Netherlands)

    Bikker, Jacob A.

    2016-01-01

    This article investigates efficiency and competition in the Dutch life insurance market by estimating unused scale economies and measuring efficiency-market share dynamics during 1995-2010. Large unused scale economies exist for small- and medium-sized life insurers, indicating that further

  2. Personality Traits and Sales Effectiveness: The Life Insurance Market in Poland

    Directory of Open Access Journals (Sweden)

    Andrzej Janowski

    2018-01-01

    Full Text Available Within organizatons in industrialized countries, the quality of human resources tends to become a major issue on the path to achieving a compettve advantage. According to the author’s research, the implementaton of the fve-factor model of Costa and McCrae provides the soluton for the abovementoned problem. This artcle demonstrates the crucial utlity of the fve-factor model of Costa and McCrae in the context of life insurance industry effectveness from both the theoretcal and practcal perspectves based on a case study of the four largest life insurance companies 796 most effectve agents. Results imply the existence of a positve correlaton between the level of the selected personality traits intensites and the life insurance agent’s sales efciency. Moreover, as levels of the personality traits of “openness to experience,” “consciousness,” “agreeableness” and “neurotcism” are the predictors of life insurance company effectveness, there are fundamentals for inducton to be appropriate for the whole retail fnancial sector human resources management system.

  3. 76 FR 24572 - Proposed Information Collection (Application for Ordinary Life Insurance) Activity: Comment Request

    Science.gov (United States)

    2011-05-02

    ... insurance. Modified Life insurance coverage is reduced automatically by one-half from its present face value... (Application for Ordinary Life Insurance) Activity: Comment Request AGENCY: Veterans Benefits Administration, Department of Veterans Affairs. ACTION: Notice. SUMMARY: The Veterans Benefits Administration (VBA...

  4. 26 CFR 20.2042-1 - Proceeds of life insurance.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Proceeds of life insurance. 20.2042-1 Section 20.2042-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE... speaking, the term has reference to the right of the insured or his estate to the economic benefits of the...

  5. 26 CFR 31.3401(a)(14)-1 - Group-term life insurance.

    Science.gov (United States)

    2010-04-01

    ...) EMPLOYMENT TAXES AND COLLECTION OF INCOME TAX AT SOURCE EMPLOYMENT TAXES AND COLLECTION OF INCOME TAX AT SOURCE Collection of Income Tax at Source § 31.3401(a)(14)-1 Group-term life insurance. (a) The cost of... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Group-term life insurance. 31.3401(a)(14)-1...

  6. Market valuation in the framework of modern life insurance mathematics

    OpenAIRE

    Petrač, Maja

    2013-01-01

    In the traditional actuarial life insurance mathematics, liabilities to beneficiaries (technical reserves) are calculated based on conservative assumptions of mortality and interest rates. However, this approach was found to be incomplete since it does not contain the market component which has become essential due to the development of the financial market. Since about 80% of total liabilities of life insurance companies are made up of technical reserves, this issue has a major i...

  7. Interest rate risk of life insurers: Evidence from accounting data

    OpenAIRE

    Möhlmann, Axel

    2017-01-01

    Life insurers are exposed to interest rate risk, and their liability side is typically more sensitive to interest rate changes than their asset side. This paper develops an accounting-based measure of interest rate sensitivity. My approach uses the coexistence of historical cost and market value accounting, which permits the observation of valuations for different discount rates. Using microdata, I show that German life insurers have a significant exposure to interest rate risk. However, ther...

  8. 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.

  9. 26 CFR 1.803-1 - Life insurance reserves.

    Science.gov (United States)

    2010-04-01

    ... reserves” is defined in section 803(b). Generally, such reserves, as in the case of level premium life... covered by the premiums are not included in life insurance reserves. Unpaid loss reserves for... do they include the net value of risks reinsured in other solvent companies; liability for premiums...

  10. The Added Value of Medical Testing in Underwriting Life Insurance

    NARCIS (Netherlands)

    Bronsema, J.; Brouwer, S.; de Boer, M.R.; Groothoff, J.W.

    2015-01-01

    Background In present-day life-insurance medical underwriting practice the risk assessment starts with a standard health declaration (SHD). Indication for additional medical screening depends predominantly on age and amount of insured capital. From a medical perspective it is questionable whether

  11. Employee Satisfaction Survey on the Life Insurance Industry

    Directory of Open Access Journals (Sweden)

    Benţe Corneliu Cristian

    2014-08-01

    Full Text Available This paper has proposed to explore the satisfaction of employees that sell insurance policies. Several authors had examined customer satisfaction, service quality and its implications on customer attitude towards different fields, but our concern was to address this relatively unexplored field which is employees` satisfaction. By using an exploratory approach, we collected data from a sample of 332 employees that sell insurance policies within north-Western Romanian. By analyzing data it was possible to determine the GAP between the expectations of employees that sell insurance policies and their perceptions regarding the service quality in life insurance industry. In addition it was tested whether there is relationship between the frequency of contact with the back office employees and level of income earned from this activity. It was revealed that from the analyzed population the most of those surveyed were employees of insurance intermediaries and not employees of a single company insurance. Considering that the number of researches that analyze the front office employees` satisfaction is rather low we consider that this paper brings a significant contribution to the literature review.

  12. The Added Value of Medical Testing in Underwriting Life Insurance.

    Directory of Open Access Journals (Sweden)

    Jan Bronsema

    Full Text Available In present-day life-insurance medical underwriting practice the risk assessment starts with a standard health declaration (SHD. Indication for additional medical screening depends predominantly on age and amount of insured capital. From a medical perspective it is questionable whether there is an association between the level of insured capital and medical risk in terms of mortality. The aim of the study is to examine the prognostic value of parameters from the health declaration and application form on extra mortality based on results from additional medical testing.A history register-based cohort study was conducted including about 15.000 application files accepted between 2007 and 2010. Blood pressure, lipids, cotinine and glucose levels were used as dependent variables in logistic regression models. Resampling validation was applied using 250 bootstrap samples to calculate area under the curves (AUC's. The AUC was used to discriminate between persons with and without at least 25% extra mortality.BMI and the overall assessment of the health declaration by an insurance physician or medical underwriter showed the strongest discrimination in multivariable analysis. Including all variables at minimum cut-off levels resulted in an AUC of 0.710 while by using a model with BMI, the assessment of the health declaration and gender, the AUC was 0.708. Including all variables at maximum cut-off levels lead to an AUC of 0.743 while a model with BMI, the assessment of the health declaration and age resulted in an AUC of 0.741.The outcome of this study shows that BMI and the overall assessment of the health declaration were the dominant variables to discriminate between applicants for life-insurance with and without at least 25 percent extra mortality. The variable insured capital set by insurers as factor for additional medical testing could not be established in this study population. The indication for additional medical testing at underwriting life-insurance

  13. Sources of New Life Insurance Product Ideas in LIC of India

    Directory of Open Access Journals (Sweden)

    Furquan Uddin

    2018-06-01

    Full Text Available The present complex nature of market has created sturdy challenges before the business world in the form of designing right product, right price, right placement and right promotion. In order to survive and thrive, a marketer has to focus on these challenges. Amongst, right product is most crucial which requires good and feasible ideas in all industries including life insurance. In fact, life insurance is perceived as an unsought and complicated financial product in India. The present paper is a humble attempt to examine the sources of new life insurance product ideas in LIC of India. The findings of the present study include the sources into six groups such as key stakeholders, workforce, organizational documents and other sources, research unit, competitors, and national and international source. It may be noticed the key stakeholders like Insurance Regulatory and Development Authority of India, actuary, top management, and policyholders play vital role in providing ideas in the new product development process of LIC of India.

  14. FY11_EOM_August_Number of Life Insurance Policies by Program by State

    Data.gov (United States)

    Department of Veterans Affairs — Number of life insurance policies for each administered life insurance program listed by state. Data is current as of 08/31/11. All programs are closed to new issues...

  15. Life insurance density and penetration: panel data analysis across countries

    OpenAIRE

    Urbanavičiūtė, Greta

    2016-01-01

    Life Insurance Density and Penetration: Panel Data Analysis Across Countries This bachelor thesis examines two key indicators in the life insurance market: density and penetration. The main purpose is to analyse which factors have the biggest impact on these two indicators in 39 countries around the world. Panel data models, which represent the collected data best, were created. This paper examines the latest public data available in 39 countries, including the Baltic States, and new signific...

  16. 77 FR 37839 - Veterans' Group Life Insurance (VGLI) No-Health Period Extension

    Science.gov (United States)

    2012-06-25

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AO24 Veterans' Group Life Insurance (VGLI) No-Health Period Extension AGENCY: Department of Veterans Affairs. ACTION: Proposed rule. SUMMARY... Veterans' Group Life Insurance (VGLI) to extend to 240 days the current 120-day ``no-health'' period during...

  17. A COMPARATIVE ANALYSIS BETWEEN UNIT-LINKED LIFE INSURANCE AND OTHER ALTERNATIVE INVESTMENTS

    Directory of Open Access Journals (Sweden)

    CRISTINA CIUMAS

    2015-07-01

    Full Text Available The unit-linked life insurance has two important components: protection and investment. The protection component refers to the insured sum in case of the occurrence of insured risks and the investment component refers to the policyholder’s account that represents the present value of the units from the chosen investment funds.These financial products invest most of the premium paid by the insured person in the funds managed by the insurance company or an external administrator and the lower part of the premium is intended to cover the insured risk (death, disability, etc. An important component of the activity carried out by the insurance companies is the investment of the premiums paid by policyholders in various types of assets, in order to obtain higher yields than those guaranteed by the insurance contracts, while providing the necessary liquidity for the payment of insurance claims in case of occurrence of the assumed risks. This research contributes to the existing literature regarding the study of investment alternatives, with an exclusive focus on the investment in unit-linked life insurance. A special place in this study is the presentation of investments in unit-linked insurance versus other types of financial investments: deposits, treasury bills, shares (BET, currency (EURO and gold.

  18. A 35-year comparison of children labelled as gifted, unlabelled as gifted and average-ability

    Directory of Open Access Journals (Sweden)

    Joan Freeman

    2014-09-01

    Full Text Available http://dx.doi.org/10.5902/1984686X14273Why are some children seen as gifted while others of identical ability are not?  To find out why and what the consequences might be, in 1974 I began in England with 70 children labelled as gifted.  Each one was matched for age, sex and socio-economic level with two comparison children in the same school class. The first comparison child had an identical gift, and the second taken at random.  Investigation was by a battery of tests and deep questioning of pupils, teachers and parents in their schools and homes which went on for 35 years. A major significant difference was that those labelled gifted had significantly more emotional problems than either the unlabelled but identically gifted or the random controls.  The vital aspects of success for the entire sample, whether gifted or not, have been hard work, emotional support and a positive personal outlook.  But in general, the higher the individual’s intelligence the better their chances in life

  19. Default risk, bankruptcy procedures and the market value of life insurance liabilities

    NARCIS (Netherlands)

    Chen, A.; Suchanecki, M.

    2007-01-01

    The topic of insolvency risk in connection with life insurance companies has recently attracted a great deal of attention. In this paper, the question is investigated of how the values of the equity and of the liability of a life insurance company are affected by the default risk and the choice of

  20. The Interest Issues of Gifted Children

    Science.gov (United States)

    Bildiren, Ahmet

    2018-01-01

    Gifted and talented children show differences in many respects compared to normal developing children. It is expected that these differences may also arise in daily life of all these children. In this research, it is aimed to investigate that whether the responses of three wishes questions of the gifted and talented and normal developing children…

  1. Dependent interest and transition rates in life insurance

    DEFF Research Database (Denmark)

    Buchardt, Kristian

    2014-01-01

    For market consistent life insurance liabilities modelled with a multi-state Markov chain, it is of importance to consider the interest and transition rates as stochastic processes, for example in order to consider hedging possibilities of the risks, and for risk measurement. In the literature......, this is usually done with an assumption of independence between the interest and transition rates. In this paper, it is shown how to valuate life insurance liabilities using affine processes for modelling dependent interest and transition rates. This approach leads to the introduction of so-called dependent...... forward rates. We propose a specific model for surrender modelling, and within this model the dependent forward rates are calculated, and the market value and the Solvency II capital requirement are examined for a simple savings contract....

  2. The Capitalisation of ‘Excess Life’ through Life Insurance

    NARCIS (Netherlands)

    Lobo-Guerrero, Luis

    2014-01-01

    The role of life insurance, as portrayed by the industry, is to get individuals and heirs back in financial circulation after accidents and catastrophic events. This role, however, is not innocent. It involves a complex problematisation of what it means to render life as valuable, commodifiable and

  3. Aggravation of Risk and Precautionary Measures in Non-Life Insurance: A Tricky Scope for the Insurer?

    Directory of Open Access Journals (Sweden)

    Olavi-Jüri Luik

    2015-12-01

    Full Text Available Aggravation of risk and failure to take precautionary measures are focal issues in non-life insurance in terms of potential partial or full release of the insurer from the duty to perform. Not infrequently, it is difficult to draw a line between the aggravation of risk on the one hand, and non-compliance with precautionary measures on the other, since a particular action by a policyholder may present both situations. At the same time, the legal remedies available to the insurer regarding these two situations are different in scope. The aggravation of risk and non-compliance with precautionary measures are precisely the bases on which insurers actually reduce indemnity or refuse to compensate for damages. This article explores the differences between insurance laws in the Baltic states—specifically, the Estonian Law of Obligations Act, the Latvian Insurance Contract Law and Lithuanian rules contained in the Civil Code and Insurance Law. The article explores the differences between the Baltic states’ insurance laws and the Principles of European Insurance Contract Law (PEICL with regard to a policyholder’s duty in relation to aggravation of risk and precautionary measures, as the rights and obligations of policyholders do change where the optional instrument is applied. The article also includes comparisons to German, Finnish and Russian insurance law.

  4. Industry Wage Surveys: Banking and Life Insurance, December 1976. Part I--Banking. Part II--Life Insurance. Bulletin 1988.

    Science.gov (United States)

    Barsky, Carl

    This report presents the results of a survey conducted by the Bureau of Labor Statistics to determine wages and related benefits in (1) the banking industry and (2) for employees in home offices and regional head offices of life insurance carriers. Part 1 discusses banking industry characteristics and presents data for tellers and selected…

  5. Long Dated Life Insurance and Pension Contracts

    OpenAIRE

    Aase, Knut K.

    2011-01-01

    We discuss the "life cycle model" by first introducing a credit market with only biometric risk, and then market risk is introduced via risky securities. This framework enables us to find optimal pension plans and life insurance contracts where the benefits are state dependent. We compare these solutions both to the ones of standard actuarial theory, and to policies offered in practice. Two related portfolio choice puzzles are discussed in the light of recent research, one is the horizon prob...

  6. NEWS : A model for the evaluation of non-life insurance companies

    NARCIS (Netherlands)

    1997-01-01

    This paper describes a model which can be used by the Dutch insurance supervisor to determine the priority a nan-life insurer should have for further examination. This model combines a traditional statistical technique (an ordered legit model) with artificial intelligence techniques (a neural

  7. A gift of prophecy essays in celebration of the life of Robert Eugene Marshak

    CERN Document Server

    1994-01-01

    Robert Eugene Marshak (1916-92) devoted much of his life to helping other people carry out scientific research and gather to discuss their work. In addition to his scientific statesmanship, he was an extraordinarily gifted research scientist, and many of his scientific contributions have been prophetic. This book pays homage to his creativity and continuing work, with contributions from many of the people whose lives have been influenced by him.

  8. Determinants of Customer Satisfaction and Loyalty in Vietnamese Life-Insurance Setting

    Directory of Open Access Journals (Sweden)

    Ha Thu Nguyen

    2018-04-01

    Full Text Available Sustainable services are often regarded as sustainable strategies and operations producing goods and services that satisfy customer needs and significantly improve social and environmental performance. To be sustainable, service providers must satisfy consumers’ needs or otherwise they will become redundant and economically irrelevant. This paper presents the results of an empirical study on the determinants of customer satisfaction and loyalty in life-insurance services in Vietnam based on a database collected through a questionnaire survey of 1476 customers during 2017. A path analysis technique is applied to test the proposed framework on the direct and indirect relationship between variables. The results of statistical analysis indicate that customer satisfaction in life-insurance services is significantly explained by such factors as corporate image, service quality and perceived value. Our findings suggest that a life-insurance service provider should focus on enhancing service quality and corporate image in order to obtain customer satisfaction that leads to customer loyalty.

  9. 77 FR 20886 - Agency Information Collection (Conversion From Servicemembers' Group Life Insurance to Veterans...

    Science.gov (United States)

    2012-04-06

    ... (Conversion From Servicemembers' Group Life Insurance to Veterans' Group Life Insurance); Activity Under OMB... No. 2900-0731.'' SUPPLEMENTARY INFORMATION: Title: Independent Evaluation of the Conversion Privilege... collection. Abstract: The data collected will be used to determine the appropriate target rate to convert...

  10. Life Insurance Take-Up Rate Influencing Factors Comparison between Malaysia and Japan

    Directory of Open Access Journals (Sweden)

    Silvana Kardinar Wijayanti

    2016-08-01

    Full Text Available This study will investigate the factors that influence take-up rates within the Malaysian Life Insurance industry to discover potential opportunities and limitations. For comparative purposes, the study is modelled on Power (2013 who examined four factors affecting customer satisfaction in life insurance in Japan (product, price, customer services and procedures and documentation. This study is exploratory in nature using both secondary research and primary data from questionnaires. The main finding was “Product offerings” being the most significant variation, both an opportunity and limitation, due to the relative maturity, experience and changing trends within the insurance market of Japan, conversely growth, infancy and different dynamics in Malaysia.

  11. Challenges Raising a Gifted Child: Stress and Resilience Factors within the Family

    Science.gov (United States)

    Renati, Roberta; Bonfiglio, Natale Salvatore; Pfeiffer, Steven

    2017-01-01

    The research on families of the gifted is extremely limited. In the past, families of the gifted have been studied mainly for two reasons: to discover how family life creates or supports giftedness or eminence, or to understand how one gifted child affects siblings. Few studies, however, have examined the impact of gifted children on the lives of…

  12. An Exploratory Study of Advancing Mobilization in the Life Insurance Industry: The Case of Taiwan's Nan Shan Life Insurance Corporation.

    Science.gov (United States)

    Luarn, Pin; Lin, Tom M. Y.; Lo, Peter K. Y.

    2003-01-01

    Employs a case study method, using in-depth interviews of 29 corporate managers and experts, to understand the current state of mobilization in the life insurance industry. Suggests a conceptual framework and formulates possible research propositions incorporating several variables. Suggests 10 key success factors for implementing mobilization in…

  13. Performance of the Dutch non-life insurance industry: competition, efficiency and focus

    NARCIS (Netherlands)

    Bikker, J.A.; Gorter, J.

    This paper investigates competition in the Dutch non-life insurance industry indirectly by measuring scale economies and X-inefficiency, assuming that strong competition would force insurance firms to exploit unused scale economies and to push down inefficiencies. We observe substantial economies of

  14. CERN Holiday Gift Guide

    CERN Multimedia

    2013-01-01

    Do you have last-minute gifts to get? Stuck for ideas? The CERN Shop and the ATLAS and CMS secretariats have some wonderfully unique gifts and stocking-fillers for sale this year - perfect for the physics fanatics in your life. Let's take a look...   1. CERN Notebook, 10 CHF - 2. CERN Pop-up book, 30 CHF - 3. USB Stick 8GB, 25 CHF - 4. CERN Tumbler, 12 CHF 5. ATLAS 3D Viewer, 5 CHF - 6. ATLAS Puzzle, 15 CHF - 7. CMS Umbrella, 25 CHF   These gifts are all available at the CERN Shop, with the exception of the ATLAS 3D Viewer and the CMS umbrella, which are only available from the respective secretariats. Don’t forget! If you’re from CERN, you still have time to take advantage of a 10% off discount at the CERN shop. Offer ends 20 December.

  15. 26 CFR 1.79-3 - Determination of amount equal to cost of group-term life insurance.

    Science.gov (United States)

    2010-04-01

    ... section prescribes the rules for determining the amount equal to the cost of group-term life insurance on an employee's life which is to be included in his gross income pursuant to the rule of inclusion set..., of group-term life insurance on such employee's life to which the rule of inclusion set forth in...

  16. The University and the Gift: A Problem Definition

    Directory of Open Access Journals (Sweden)

    Nikolay Emelianov

    2014-12-01

    Full Text Available The authors suggest introducing the notion of the gift into the theory and practice of the University life. They believe that the relationship of gift in transmission of knowledge is immanent to the management organization of the University. If knowledge is given as a gift and in the situation of gift-giving, then the University milieu should have the relationship of gift. The gift is described here as a theological and anthropological category and then juxtaposed with educational concepts of certain theologians and with ideas of modern economists. Proceeding from the notion of gift, the authors formulate the problem of today’s University which consists in its economical conditionality and in the penetration of market ideology into the scholarly milieu. Transfer of knowledge, which is considered as an absolute value, when circulating within the process of gift-giving, in practice is often identified with utilitarian exchange: the knowledge acquires its price, what inevitably reflects the relationship between professors, students and University’s administration.

  17. Individual Savings Accounts and the Life-Cycle Approach to Social Insurance

    DEFF Research Database (Denmark)

    Sørensen, Peter Birch; Hansen, Martin Ino; Bovenberg, A. Lans

    Using Danish data, we find that about three fourths of the taxes levied to finance public transfers actually finance benefits that do not redistribute between people but redistribute income over the life cycle of individual taxpayers. This provides a rationale for financing part of social insurance...... via mandatory individual savings accounts. An account system that offers liquidity insurance and a lifetime income guarantee helps to alleviate the dilemma between insurance and incentives. To illustrate this, we analyse a specific proposal for reform of the Danish system of social insurance......, involving the use of individual accounts. We estimate how the reform would affect the distribution of lifetime incomes, the public budget, and economic efficiency...

  18. Efficiency and competition in the Dutch non-life insurance industry: Effects of the 2006 health care reform

    NARCIS (Netherlands)

    Bikker, Jaap; Popescu, Adelina

    This paper investigates the cost efficiency and competitive behaviour of the non-life – or property and casualty – insurance market in the Netherlands over the period 1995-2012. We focus on the 2006 health care reform, where public health care insurance has been included in the non-life insurance

  19. Risk adjustment model of credit life insurance using a genetic algorithm

    Science.gov (United States)

    Saputra, A.; Sukono; Rusyaman, E.

    2018-03-01

    In managing the risk of credit life insurance, insurance company should acknowledge the character of the risks to predict future losses. Risk characteristics can be learned in a claim distribution model. There are two standard approaches in designing the distribution model of claims over the insurance period i.e, collective risk model and individual risk model. In the collective risk model, the claim arises when risk occurs is called individual claim, accumulation of individual claim during a period of insurance is called an aggregate claim. The aggregate claim model may be formed by large model and a number of individual claims. How the measurement of insurance risk with the premium model approach and whether this approach is appropriate for estimating the potential losses occur in the future. In order to solve the problem Genetic Algorithm with Roulette Wheel Selection is used.

  20. The Investment Strategy of With-Profits Life Insurance Firms

    OpenAIRE

    Jaafar, Karim Chawki

    2008-01-01

    Abstract Within the context of an increasingly fragile life insurance industry, this paper conducts a quantitative investigation on the determinants of investment strategy within with profit life assurers in the UK, a dominant segment within the global industry. Examining a range of possible defining characteristics on investment strategy of such firms including size, financial strength (solvency), proprietary/mutual status, open/closed status and the level of guaranteed liabilities, th...

  1. Proteus Syndrome Foundation

    Science.gov (United States)

    ... Syndrome Diagnostic Criteria & FAQs Medical Research Glossary Donate Cash Donation Life Insurance Gift Matching Gift Stock Gift ... data It’s easy to join There is no cost to you: the costs are supported by the ...

  2. The Gift

    NARCIS (Netherlands)

    Komter, Aafke E.

    1996-01-01

    What moves us to give gifts to other people? The Gift brings together perspectives on gift exchange and reciprocity from different social scientific disciplines. The first part of this book contains anthropological and sociological 'classics' on gift giving and reciprocity. In the second part the

  3. 27 CFR 70.164 - Surrender of property subject to levy in the case of life insurance and endowment contracts.

    Science.gov (United States)

    2010-04-01

    ... the case of life insurance and endowment contracts. (a) In general. This section provides special rules relating to the surrender of property subject to levy in the case of life insurance and endowment... subject to levy in the case of life insurance and endowment contracts. 70.164 Section 70.164 Alcohol...

  4. 77 FR 54621 - Pruco Life Insurance Company, et al;

    Science.gov (United States)

    2012-09-05

    ... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-30186; File No. 812-13990] Pruco Life Insurance Company, et al; Notice of Application August 29, 2012. AGENCY: Securities and Exchange Commission (``SEC'' or ``Commission''). ACTION: Notice of application for an order approving the substitution of certain...

  5. 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

  6. FY11_EOM_Oct_Face Amount of Life Insurance Coverage by Program by State

    Data.gov (United States)

    Department of Veterans Affairs — Face value of insurance for each administered life insurance program listed by state. Data is current as of 10-31-11. All programs are closed to new issues except...

  7. Life Insurance Liabilities with Policyholder Behaviour and Stochastic Rates

    DEFF Research Database (Denmark)

    Buchardt, Kristian

    rate, disability rate, and other transition rates are assumed to be deterministic. Broadly speaking this PhD thesis consists of various extensions of this model to address the modern needs of life insurance companies. These extensions can be categorised into two types: the inclusion of policyholder...

  8. FY11_EOM_August_Face Amount of Life Insurance Coverage by Program by State

    Data.gov (United States)

    Department of Veterans Affairs — Face value of insurance for each administered life insurance program listed by state. Data is current as of 8-31-11. All programs are closed to new issues except for...

  9. EOM July FY2011 - Face Amount of Life Insurance Coverage by Program by State

    Data.gov (United States)

    Department of Veterans Affairs — Face value of insurance for each administered life insurance program listed by state. Data is current as of 7-31-11. All programs are closed to new issues except for...

  10. Life insurance, financial development and economic growth in South Africa: An application of the autoregressive distributed lag model

    Directory of Open Access Journals (Sweden)

    Athenia Bongani Sibindi

    2014-12-01

    Full Text Available The life insurance sector may contribute to economic growth by its very mechanism of savings mobilisation and thereby performing an intermediation role in the economy. This ensures that capital is provided to deficient units who are in need of capital to finance their working capital requirements and invest in technology thereby resulting in an increase in output. In this way, it could be argued that life insurance development spurs financial development. In this article we investigate the causal relationship between the life insurance sector, financial development and economic growth in South Africa for the period 1990 to 2012 by applying the ARDL bounds testing procedure. We make use of life insurance density as the proxy for life insurance development, real per capita growth domestic product as the proxy for economic growth and real broad money per capita as the proxy for financial development. We test for cointegration amongst the variables by applying the bounds test and then proceed to test for Granger causality based on the error correction model. Our results confirm that the variables are cointegrated and move in tandem to each other in the long-run. The results also indicate that the direction of causality runs from the economy to the life insurance sector in the short-run which is consistent with the “demand-following” insurance-growth hypothesis. There is also evidence of bidirectional Granger causality running from the economy to financial development and vice versa, both in the long-run and short-run. The results also reveal that life insurance complements financial development in bringing about economic growth further lending credence to the “complementarity” hypothesis

  11. The Importance of Decision Making: A Gifted Case Report

    Science.gov (United States)

    Nauta, Noks; Ronner, Sieuwke; Groeneveld, Benno

    2009-01-01

    In this article the story of a fictional young university-educated woman is presented who struggles with making choices in her career and in her life. In this case report background information on gifted people at work is provided. In addition to that jobs and companies which are appropriate for highly gifted are mentioned. Besides that…

  12. Mere Gifting: Liking a Gift More Because It Is Shared.

    Science.gov (United States)

    Polman, Evan; Maglio, Sam J

    2017-11-01

    We investigated a type of mere similarity that describes owning the same item as someone else. Moreover, we examined this mere similarity in a gift-giving context, whereby givers gift something that they also buy for themselves (a behavior we call "companionizing"). Using a Heiderian account of balancing unit-sentiment relations, we tested whether gift recipients like gifts more when gifts are companionized. Akin to mere ownership, which describes people liking their possessions more merely because they own them, we tested a complementary prediction: whether people like their possessions more merely because others own them too. Thus, in a departure from previous work, we examined a type of similarity based on two people sharing the same material item. We find that this type of sharing causes gift recipients to like their gifts more, and feel closer to gift givers.

  13. 45 CFR 73.735-503 - Criminal provisions relating to gifts, entertainment, and favors.

    Science.gov (United States)

    2010-10-01

    ... insurance, profit-sharing, stock bonus or other employee welfare or benefit plan maintained by a former... 45 Public Welfare 1 2010-10-01 2010-10-01 false Criminal provisions relating to gifts, entertainment, and favors. 73.735-503 Section 73.735-503 Public Welfare DEPARTMENT OF HEALTH AND HUMAN SERVICES...

  14. 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.

  15. Analysis of Life Insurance Premium in Regard to Net Income as an Influencing Factor– the Case of the Republic of Serbia

    Directory of Open Access Journals (Sweden)

    Olja Munitlak Ivanović

    2013-12-01

    Full Text Available In current business conditions, insurance market in the Republic of Serbia notes positive but relatively slow growing trend. During the last few years, life insurance market in Serbia has an upward trend, however, it still significantly falls back in comparison to developed European countries. Insufficient development of life insurance sector is in direct relation to insufficient economic development, weak financial market, high unemployment rate and poor implementation of economic reforms. Additionally there is a problem due to the lack of both quality and quantity of education with insufficient basic knowledge of potentials that this type of insurance offers. The aim of this paper is to present the projection of life insurance premium on the basis of linear trend parameters and correlation degree between average net income and the amount of life insurance premium and to emphasize the necessity of intense development of life insurance market. Normal 0 false false false EN-US X-NONE X-NONE

  16. 75 FR 60833 - Jackson National Life Insurance Company, et al.;

    Science.gov (United States)

    2010-10-01

    ... SECURITIES AND EXCHANGE COMMISSION [Investment Company Act Release No. 29442; File No. 812-13765] Jackson National Life Insurance Company, et al.; Notice of Application September 27, 2010. AGENCY: Securities and Exchange Commission (``Commission''). ACTION: Notice of application for an order under section...

  17. CJEU rules on use of standards in imposing information duties on life insurance companies

    NARCIS (Netherlands)

    Mańko, R.

    2015-01-01

    The EU Directive applicable to life insurance sets out what kind of information insurance companies must give to policyholders. It also allows Member States to impose broader information duties, provided that the information is necessary for the policyholder to understand the contract. In its ruling

  18. Gifting from the Closet

    DEFF Research Database (Denmark)

    Uth Thomsen, Thyra; Zaichkowsky, Judith Lynne

    2015-01-01

    Purpose – This study aims to investigate the random collection of items for gifting which are stored in one’s home in a special place. Traditional gift-giving models suggest gift givers buy gifts for certain recipients on certain occasions. This study ' s journey into gift storage finds that some....../value – Due to the unexplored nature of gift storage, the results reported in this paper represent a first exploratory account of gift storage and its possible effects on the relationship-building capacity of gifts....

  19. Aspects of Valuation and Optimization in Life Insurance

    DEFF Research Database (Denmark)

    Henriksen, Lars Frederik Brandt

    liabilities or decrease assets. The increase of liabilities could be used in the modelling of non-for-prot mutual funds or pension funds. On the other hand, the decrease in assets could be used for modelling of for-prot companies. We impose a simple solvency constraint and prove optimality of barrier......-case scenarios and reserves in a life insurance model in the case where the interest rate and the various transition intensities are mutually dependent. The calculations are based on deterministic optimal control theory. The results of a single insurance contract are extended to inhomogeneous portfolios......, multistate Markov chains. The ane setup makes the calculations computationally tractable because we only need to solve systems of ordinary dierential equations and not partial dierential equations. The setup allows for mutual dependence between interest rate and transition intensities which makes it possible...

  20. Environmental Influence on the Writing of Gifted High School Girls.

    Science.gov (United States)

    Boyd, Rae

    1988-01-01

    Compared essays of gifted adolescent girls in the files of the Guidance Institute for the Talented (GIFTS), on "Dominant forces that have directed my life" and "The future as I see it and my place in the future," for girls born in 1944 and 1957. Found essays reflected changes in attitudes occurring in the United States during…

  1. Benefits to a life insurance company from providing radon tests for clients

    International Nuclear Information System (INIS)

    Cohen, B.L.

    1993-01-01

    If a life insurance company provided free radon tests to clients, clients' life expectancies would be extended and profits would thereby be increased. This effect is quantified and it is found that the direct monetary benefits to the company could be substantial. Several subsidiary advantages are also discussed

  2. 75 FR 18908 - Jackson National Life Insurance Company, et al.

    Science.gov (United States)

    2010-04-13

    ... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-29205; File No. 812-13703] Jackson National Life Insurance Company, et al. April 7, 2010. AGENCY: The Securities and Exchange Commission (``Commission''). ACTION: Notice of application for an order under Section 6(c) of the Investment Company Act of...

  3. 76 FR 19150 - Jackson National Life Insurance Company, et al.

    Science.gov (United States)

    2011-04-06

    ... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-29621; File No. 812-13841] Jackson National Life Insurance Company, et al. March 31, 2011. AGENCY: The Securities and Exchange Commission (``Commission'') ACTION: Notice of application for an order under Section 6(c) of the Investment Company Act of...

  4. 78 FR 54691 - American General Life Insurance Company, et al.

    Science.gov (United States)

    2013-09-05

    ... SECURITIES AND EXCHANGE COMMISSION [Release No. IC-30681; File No. 812-13973] American General Life Insurance Company, et al. August 29, 2013, AGENCY: The Securities and Exchange Commission (``Commission''). ACTION: Notice of application for an order under Section 6(c) of the Investment Company Act of...

  5. Optimal Hedging and Pricing of Equity-Linked Life Insurance Contracts in a Discrete-Time Incomplete Market

    Directory of Open Access Journals (Sweden)

    Norman Josephy

    2011-01-01

    Full Text Available We present a method of optimal hedging and pricing of equity-linked life insurance products in an incomplete discrete-time financial market. A pure endowment life insurance contract with guarantee is used as an example. The financial market incompleteness is caused by the assumption that the underlying risky asset price ratios are distributed in a compact interval, generalizing the assumptions of multinomial incomplete market models. For a range of initial hedging capitals for the embedded financial option, we numerically solve an optimal hedging problem and determine a risk-return profile of each optimal non-self-financing hedging strategy. The fair price of the insurance contract is determined according to the insurer's risk-return preferences. Illustrative numerical results of testing our algorithm on hypothetical insurance contracts are documented. A discussion and a test of a hedging strategy recalibration technique for long-term contracts are presented.

  6. Creativity in the regular classroom: perceptions of gifted and non-gifted students

    Directory of Open Access Journals (Sweden)

    Fernanda do Carmo Gonçalves

    2013-06-01

    Full Text Available This study aimed to compare the perception of gifted and non-gifted students with respect to the climate for creativity in the classroom, in the disciplines of Mathematics and Portuguese Language, and to investigate the relationship between creativity and perception of classroom climate for creativity. Twenty-one gifted and 27 non-gifted 6th grade students who attended a public school in Brazil participated in the study. The gifted students evaluated teacher’s support to the students’ expression of ideas in Mathematics in a more satisfactory way compared to non-gifted, and they also showed greater interest in learning Mathematics in comparison to Portuguese Language. A positive correlation between creativity and perception of classroom climate was found for gifted students, and negative correlation for non-gifted students.

  7. Markets: Gift Cards

    OpenAIRE

    Jennifer Pate Offenberg

    2007-01-01

    The Mobil Oil Company introduced the first retail gift card that recorded value on a magnetic strip in 1995. In under a decade, such gift cards replaced apparel as the number one item sold during the Christmas season. This study will discuss the reasons for the strong surge in the gift card market. It will then consider the value of gift cards as an intermediate option between two alternatives: purchasing a physical gift, which could possibly be returned or exchanged, versus giving cash. Empi...

  8. 17 CFR 270.6e-3(T) - Temporary exemptions for flexible premium variable life insurance separate accounts.

    Science.gov (United States)

    2010-04-01

    ... for issuance, increases in or additions of insurance benefits, transfer and redemption of flexible... deducted from amounts transferred to a flexible contract from another plan of insurance; (iii) Sections 27... guaranteed death benefit risks assumed by the life insurer under the flexible contracts (collectively, a...

  9. A gifted teacher

    Energy Technology Data Exchange (ETDEWEB)

    Hugenholtz, N. M.

    1991-03-15

    Notwithstanding his many and important papers on basic problems in physics, it may well be that Léon Van Hove's influence on the physics community is in a large part due to the fact that he was a gifted and devoted teacher. It is perhaps unfortunate that the period of his life during which he was a university professor and gave basic training to young students in theoretical physics was rather short.

  10. A gifted teacher

    International Nuclear Information System (INIS)

    Hugenholtz, N.M.

    1991-01-01

    Notwithstanding his many and important papers on basic problems in physics, it may well be that Léon Van Hove's influence on the physics community is in a large part due to the fact that he was a gifted and devoted teacher. It is perhaps unfortunate that the period of his life during which he was a university professor and gave basic training to young students in theoretical physics was rather short

  11. 78 FR 38413 - American Family Life Insurance Company, et al.

    Science.gov (United States)

    2013-06-26

    ... conditions. 9. The Contracts are flexible premium variable annuity and variable life insurance contracts. The..., the Company reserves the right to substitute shares of one fund for shares of another, or of another... December 31, 2012, expressed as an annual percentage of average daily net assets, of the Replaced Portfolio...

  12. 5 CFR 3201.103 - Prohibition on acquisition, ownership, or control of securities of FDIC-insured depository...

    Science.gov (United States)

    2010-01-01

    ... described in paragraph (a) of this section if: (i) The security was acquired by inheritance, gift, stock...-insured depository institution as custodian or trustee of accounts containing tax-deferred retirement...

  13. Applications of Decisions under Uncertainty in the Case of Omniasig-Life Insurance S.A.

    Directory of Open Access Journals (Sweden)

    Stelian STANCU

    2006-01-01

    Full Text Available Uncertainty is given because we don’t know the nature state event. The company can only estimate the demand of policies in order to estimate the received premiums. If the insurance company doesn’t choose correctly the alternative and the number and the damages will be greater then what it was estimated, then it will come to the point of not being able to pay all the damages. Because of the adverse selection, the insurer meets uncertainty in every day life. It is well known the fact that persons who have a higher risk of producing the insured event, they also have a higher inclination towards contracting insurance.

  14. 20 CFR 404.1008 - Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling...

    Science.gov (United States)

    2010-04-01

    ... commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. (a) General... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Agent-driver or commission-driver, full-time life insurance salesman, home worker, or traveling or city salesman. 404.1008 Section 404.1008...

  15. Statistical tools for non-life insurance

    NARCIS (Netherlands)

    Antonio, K.

    2008-01-01

    Within the actuarial profession a major challenge can be found in the construction of a fair tariff structure. In light of the heterogeneity within, for instance, a car insurance portfolio, an insurance company should not apply the same premium for all insured risks. Otherwise the so-called concept

  16. The Effects of Firm-Specific Factors on the Profitability of Non-Life Insurance Companies in Turkey

    OpenAIRE

    Kaya, Emine Öner

    2015-01-01

    This study investigates the firm-specific factors affecting the profitability of non-life insurance companies operating in Turkey. For this purpose, data of 24 non-life insurance companies operating in Turkey from the period 2006–2013 were brought together to obtain 192 observed panel data sets. In this study, profitability is measured by two different variables: technical profitability ratio and sales profitability ratio. According to the empirical results, the firm-specific factors affecti...

  17. 26 CFR 1.804-3 - Gross investment income of a life insurance company.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Gross investment income of a life insurance company. 1.804-3 Section 1.804-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Investment Income § 1.804-3 Gross investment income of a life...

  18. Why Try? Factors that Differentiate Underachieving Gifted Students from High Achieving Gifted Students.

    Science.gov (United States)

    McCoach, D. Betsy; Siegle, Del

    This report discusses the outcomes of a study that investigated the relationship between student scores on the five sub-scales of the School Attitude Assessment Survey-Revised (SAAS-R) and the academic achievement of known groups of gifted achievers and gifted underachievers. The study examined whether gifted achievers and gifted underachievers…

  19. The Gift of Reading

    Science.gov (United States)

    Maxwell, D. Jackson

    2009-01-01

    There are many opportunities each year for children to receive gifts from adults. Parents, teachers, and community members often ask school librarians for suggestions concerning educational gifts for children. Literacy, however, is the greatest gift any adult can give a child. The gift of literacy can take many paths and use many different tools.…

  20. Multiple meanings of "gift" and its value for organ donation.

    Science.gov (United States)

    Shaw, Rhonda M; Webb, Robert

    2015-05-01

    The "gift of life" metaphor is used to promote organ donation where commercialization is prohibited. In this article, we explore how multiple parties involved in organ transfer procedures think of gift terminology by drawing on interview data with transplantation specialists, organ transplant recipients, living directed donors and living nondirected donors. The interviews took place across New Zealand between October 2008 and May 2012, in participants' homes and hospital workplaces. The interviews were transcribed verbatim, coded manually, and thematically analyzed. Although gift language is often viewed as clear-cut, the gift trope has multiple meanings for different constituent and cultural groups, ranging from positive descriptors to obscuring and romanticizing the complexities of transplantation processes. To account for these multiple perspectives, we suggest new ethical models to capture the nuanced phenomenon of organ transfer in ways that recognize the full range of donation and reception experiences. © The Author(s) 2014.

  1. Modeling Flood Insurance Penetration in the European Non-Life Market: An Overview

    Science.gov (United States)

    Mohan, P.; Thomson, M.-K.; Das, A.

    2012-04-01

    Non-life property insurance plays a significant role in assessing and managing economic risk. Understanding the exposure, or property at risk, helps insurers and reinsurers to better categorize and manage their portfolios. However, the nature of the flood peril, in particular adverse selection, has led to a complex system of different insurance covers and policies across Europe owing to its public and private distinctions based on premiums provided as ex ante or ex post, socio-economic characterization and various compensation schemes. To model this significant level of complexity within the European flood insurance market requires not only extensive data research, close understanding of insurance companies and associations as well as historic flood events, but also careful evaluation of the flood hazard in terms of return periods and flood extents, and the economic/ financial background of the geographies involved. This abstract explores different approaches for modeling the flood insurance penetration rates in Europe depending on the information available and complexity involved. For countries which have either a regulated market with mandatory or high penetration rate, as for example found in the UK, France and Switzerland, or indeed countries with negligible insurance cover such as Luxembourg, assumptions about the penetration rates can be made at country level. However, in countries with a private insurance market, the picture becomes inherently more complex. For example in both Austria and Germany, flood insurance is generally restricted, associated with high costs to the insured or not available at all in high risk areas. In order to better manage flood risk, the Austria and German government agencies produced the risk classification systems HORA and ZÜRS, respectively, which categorize risk into four risk zones based on the exceedance probability of a flood occurrence. Except for regions that have preserved mandatory flood inclusion from past policies

  2. What’s in Your Gift Closet?

    DEFF Research Database (Denmark)

    Uth Thomsen, Thyra; Zaichkowsky, Judith

    Gift closets are a dedicated space in one’s home in which potential gifts are stored, for which either the recipient or the exact timing of the gift giving is not known at the time the item is stored or acquired. Based on a questionnaire (n=111), including a free elicitation process of words...... associated with gift closets, we describe the content of gift closets, the intended recipients of the stored potential gifts, and perception of gift closet owners actions. Finally, we theorize how the perception of gift closets may affect the value creation process in gift giving rituals....

  3. THE ROLE OF REINSURANCE IN INSURANCE

    Directory of Open Access Journals (Sweden)

    VĂDUVA MARIA

    2018-02-01

    Full Text Available Insurance companies carry out risk spreading through the co-insurance and reinsurance mechanism, consisting of the participation of more companies in the provision of high-value assets. Reinsurance is a form of insurance whereby an insurance organization can transfer to another reinsurer, partly or fully, its payment obligations arising from the insurance contracts that it has concluded. In the reinsurance ratios, the insurance companies appear in a double position - giving other insurance companies some of the risks assumed under direct insurance, being reinsured, but receiving different risks to reinsurance, acquiring the quality of reinsurers. Reinsurance intends to satisfy some multiple needs of the direct insurer and can provide means to counteract the risks associated with the fluctuations in compensation costs, the reinsurer will contribute to the payment of compensations on behalf of the reinsurer. Life insurance has characteristics that influence reinsurance: the average life of the insurance, the insurance is concluded for a fixed amount insured, the capital accumulation. In life reinsurance, almost all reinsurance arrangements are proportional agreements, and the largest share have the "surplus" agreements. Reinsurance plays an important role because it fulfills the following functions: it confers capacity, creates stability, helps to consolidate financial strength. The adjustment of the client portfolio in terms of the changes of reinsurance agreement, required by the reinsurer, can only be done by concluding the insurance contracts. In life insurance, reinsurance contracts contain provisions that meet the need of the insurer to have long-term protection.

  4. Modelling home equity conversion loans with life insurance models

    Directory of Open Access Journals (Sweden)

    Baškot Bojan

    2013-01-01

    Full Text Available Home equity represents a reserve that can be used for providing additional money for its owners during their retirement. Life insurance models can be successfully applied to model home equity conversion loans. The home equity conversion loan is a financial product that provides a certain flexibility by using home equity as a resource for a quality life during retirement. Home equity conversion loans do not have a predetermined maturity date, as do conventional loans. But, like every loan, it must be repaid. One potential advantage of using a home equity conversion loan during tough financial times instead of some types of need-based assistance is that eligibility is straightforward. Home equity conversion loans can be useful tools in the process of pension system reform.

  5. 26 CFR 1.101-4 - Payment of life insurance proceeds at a date later than death.

    Science.gov (United States)

    2010-04-01

    ... those to which section 101(c) applies) received under a life insurance contract and paid by reason of... separated, but not under a decree of absolute divorce (section 101(d)(3)). To the extent that the total... the insured's death) of amounts which may be paid by reason of the guarantee, in accordance with the...

  6. The Social Life of Health Insurance in Low- to Middle-income Countries: An Anthropological Research Agenda.

    Science.gov (United States)

    Dao, Amy; Nichter, Mark

    2016-03-01

    The following article identifies new areas for engaged medical anthropological research on health insurance in low- and middle-income countries (LMICs). Based on a review of the literature and pilot research, we identify gaps in how insurance is understood, administered, used, and abused. We provide a historical overview of insurance as an emerging global health panacea and then offer brief assessments of three high-profile attempts to provide universal health coverage. Considerable research on health insurance in LMICs has been quantitative and focused on a limited set of outcomes. To advance the field, we identify eight productive areas for future ethnographic research that will add depth to our understanding of the social life and impact of health insurance in LMICs. Anthropologists can provide unique insights into shifting health and financial practices that accompany insurance coverage, while documenting insurance programs as they evolve and respond to contingencies. © 2015 by the American Anthropological Association.

  7. Half a Gift Is Not Half-Hearted: A Giver-Receiver Asymmetry in the Thoughtfulness of Partial Gifts.

    Science.gov (United States)

    Kupor, Daniella; Flynn, Frank; Norton, Michael I

    2017-12-01

    Four studies document an asymmetry in givers' and receivers' evaluations of gifts: Givers underestimate the extent to which receivers perceive partial (but more desirable) gifts to be thoughtful, valuable, and worthy of appreciation. Study 1 documents this asymmetry and suggests that givers underestimate the extent to which partial gifts signal thoughtfulness to receivers. Study 2 replicates this asymmetry in the context of a real gift exchange among friends. Study 3 shows that this asymmetry arises because givers believe that purchasing partial gifts is a greater violation of gift-giving norms than do receivers, leading givers to expect that partial gifts will damage receivers' perceptions of a gift's value. Study 4 offers an intervention that induces givers to select the (partial) gifts that receivers prefer more than givers expect: framing a gift's separate components as complete units.

  8. Analysis on the effectiveness of gifted education by studying perceptions of science gifted education recipients

    Science.gov (United States)

    Jung, Hyun-Chul; Ryu, Chun-Ryol; Choi, Jinsu; Park, Kyeong-Jin

    2016-04-01

    The necessity of science gifted education is persistently emphasized in the aspect of developing individuals' potential abilities and enhancing national competitiveness. In the case of Korea, gifted education has been conducted on a national level ever since the country established legal and institutional strategies for gifted education in 2000. Even though 15 years has passed since a full-scale implementation of gifted education has started, there are few researches on the effectiveness of gifted education. Therefore, considering the splashdown effect, that a long period of time is needed to obtain reliable assessments on education effectiveness, this research surveyed gifted education recipients to study the effectiveness of gifted education. For this cause, we developed an questionnaire and conducted a survey of university students who had experience of receiving science gifted education. We deduced the following from the analysis. First, generally the recipients were satisfied with their gifted education experiences, but thought that not enough opportunities were provided on problem solving ability enhancement and career related aspects. Second, schools considered 'experiments' as the most effective teaching method, regardless to the stage of education. In addition, they perceived 'discussions and presentations' as effective education methods for elementary school students; 'theme investigating classes' for middle school students; and lectures for high school students. It could be seen that various experiences were held important for elementary school students and as students went into high school education, more emphasis was placed on the importance of understanding mathematical and scientific facts. Third, on gifted education teaching staffs, satisfaction of professionalism on specialities were high but satisfaction of variety of teaching methods were relatively low. In this research, to encourage science gifted students to meet their potentials, we propose

  9. Choice--Chance--Control. That's Life. Learning about Insurance through Secondary School Courses. Insurance Basics for Everyone; Social Sciences; Mathematics; Consumer Economics.

    Science.gov (United States)

    Insurance Education Foundation, Indianapolis, IN.

    This guide, which is designed for use with secondary school students, contains four units of activities that teach the fundamentals of insurance within the context of a broad range of subjects, including social sciences, history, civics, government, mathematics, consumer economics, business, economics, life skills, family management, home…

  10. Is Giftedness Truly a Gift?

    Science.gov (United States)

    Davidson, Janet E.

    2012-01-01

    This article examines whether giftedness is actually a gift for those who receive it. The following attributes of a true gift are described as: (1) an understanding of what the gift is and who owns it; (2) realizing that it needs maintenance; (3) knowing what to do with the gift; (4) the giver expects nothing in return; and (5) the receiver…

  11. Developing and Implementing School for Highly Gifted, Exceptionally Gifted, and Profoundly Gifted Students: An Interview with Lynette Breedlove

    Directory of Open Access Journals (Sweden)

    Engin KARADUMAN

    2013-12-01

    Full Text Available According to research, while moderately gifted students can often fit in the regular classrooms with differentiated instructions, pull-out programs, or acceleration options, highly gifted students do better when they are grouped with other intellectually-advanced peers in accordance with their strengths, interests, and background knowledge of a topic. Each of these students requires special attention and management strategies to develop better cognitive, social, emotional, and physical skills. Thanks to the grouping strategy, highly gifted students can study concepts at the appropriate pace, depth, and complexity so that these students feel valued and normal (Neville, 2007; Rogers, 2007. In order to fully meet these students’ needs, creating a school for highly, exceptionally, and profoundly gifted students would be a more beneficial plan compared to requiring them to stay within the regular classroom, accelerating, or grade skipping. Rogers (2002 pointed out that these students showed more academic growth by studying with other intellectual peers in separate classrooms. According to VanTassel-Baska (2006, identification, curriculum, program design, staff development, parental involvement assessment, and evaluation areas were essential for gifted program development. In accordance with the program development guidelines noted above, in this presentation, the process of developing and implementing a program for highly gifted students in Science, Math, Reading, and Social Studies will be provided based on an interview with Lynette Breedlove, Ph.D. who is the director of Advanced Academic Studies & Secondary Counseling at Spring Branch Independent School District in Houston, TX.

  12. Opening the gift: social inclusion, professional codes and gift-giving in long-term mental healthcare.

    Science.gov (United States)

    Ootes, S T C; Pols, A J; Tonkens, E H; Willems, D L

    2013-03-01

    Deinstitutionalisation has not only made the social inclusion of clients a key objective in long-term mental healthcare, it may also affect the role of the care professional. This article investigates whether the social inclusion objective clashes with other long-standing professional values, specifically when clients give gifts to care professionals. In making a typology of gifts, we compare the literature on gift-giving with professional codes for gifts and relate both to the objective of social inclusion of clients. Our typology draws on an analysis of ethnographic fieldwork carried out in 2007/2008 at a Dutch mental healthcare centre. We identify four types of gifts for professionals in long-term mental healthcare, each relating individually to professional codes and the objective of social inclusion of clients. Only the 'personal gift' directly supports social inclusion, by fostering personal relationships between professionals and clients. Acceptance of this type of gift is advocated only for long-term care professionals. We suggest that professional codes need to consider this typology of gifts, and we advocate promoting reflexivity as a means of accounting for professional behaviour in deinstitutionalised care settings.

  13. The Application Law of Large Numbers That Predicts The Amount of Actual Loss in Insurance of Life

    Science.gov (United States)

    Tinungki, Georgina Maria

    2018-03-01

    The law of large numbers is a statistical concept that calculates the average number of events or risks in a sample or population to predict something. The larger the population is calculated, the more accurate predictions. In the field of insurance, the Law of Large Numbers is used to predict the risk of loss or claims of some participants so that the premium can be calculated appropriately. For example there is an average that of every 100 insurance participants, there is one participant who filed an accident claim, then the premium of 100 participants should be able to provide Sum Assured to at least 1 accident claim. The larger the insurance participant is calculated, the more precise the prediction of the calendar and the calculation of the premium. Life insurance, as a tool for risk spread, can only work if a life insurance company is able to bear the same risk in large numbers. Here apply what is called the law of large number. The law of large numbers states that if the amount of exposure to losses increases, then the predicted loss will be closer to the actual loss. The use of the law of large numbers allows the number of losses to be predicted better.

  14. Meeting the gifted

    DEFF Research Database (Denmark)

    Mogensen, Arne; Westphael, Henning

    2013-01-01

    In the article we give a presentation of different understandings of the notion of being a gifted mathematics student.......In the article we give a presentation of different understandings of the notion of being a gifted mathematics student....

  15. 17 CFR 274.303 - Form N-27I-2, notice of withdrawal right and statement of charges for variable life insurance...

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Form N-27I-2, notice of withdrawal right and statement of charges for variable life insurance contractholders required pursuant to... variable life insurance contractholders required pursuant to Rule 6e-2 (§ 270.6e-2 of this chapter). [41 FR...

  16. Reinsurance and the Cost of Equity in the United Kingdom’s Non-Life Insurance Market

    OpenAIRE

    Upreti, Vineet

    2014-01-01

    The link between the cost of equity and reinsurance purchased by insurers is examined in this study. This work extends the research on the economic value implications of corporate risk management practices. Utilising a framework based on the theory of optimal capital structure, this study puts forward two hypotheses to test empirically the cost of equity – reinsurance relation in the United Kingdom’s non-life insurance market. The first hypothesis tests the effect of the decision to reinsure ...

  17. Analysis of the Servicemembers' Group Life Insurance (SGLI) program: history, current issues and future implications

    OpenAIRE

    Callan, Patrick M.; Voogd, Michael; Schmid, Christopher M.

    2011-01-01

    MBA Professional Report The SGLI program is the military life insurance program overseen by the Veterans' Affairs (VA) but managed and administered by The Prudential Insurance Company of America. Recently, a series of news stories by Bloomberg News reported that the program might not be following the law, and that Prudential was profiting from the deaths of servicemen and women. The primary purpose of this paper was to analyze the news articles for factual content and determine whethe...

  18. Disposition of Insurance Allotment Payments

    National Research Council Canada - National Science Library

    Young, Shelton

    2001-01-01

    .... The request was prompted by action taken by the Florida Department of Insurance against two life insurance companies that had received large numbers of insurance allotments from Service members...

  19. 26 CFR 301.7477-1 - Declaratory judgments relating to the value of certain gifts for gift tax purposes.

    Science.gov (United States)

    2010-04-01

    ... certain gifts for gift tax purposes. 301.7477-1 Section 301.7477-1 Internal Revenue INTERNAL REVENUE... value of certain gifts for gift tax purposes. (a) In general. If the adjustment(s) proposed by the Internal Revenue Service (IRS) will not result in any deficiency in or refund of the donor's gift tax...

  20. The Impact of Corporate Governance on the Efficiency Performance of the Thai Non-Life Insurance Industry

    OpenAIRE

    Wen-Yen Hsu; Pongpitch Petchsakulwong

    2010-01-01

    This paper examines the relation between corporate governance and efficiency performance of public non-life insurance companies in Thailand over the period 2000–2007. Data envelopment analysis is used to compute an insurer's efficiency performance including technical, allocative, cost, and revenue efficiency. We then employ truncated bootstrapped regression to test the relation between efficiency performance and corporate governance. The results show that the characteristics of corporate gove...

  1. Modern problems in insurance mathematics

    CERN Document Server

    Martin-Löf, Anders

    2014-01-01

    This book is a compilation of 21 papers presented at the International Cramér Symposium on Insurance Mathematics (ICSIM) held at Stockholm University in June, 2013. The book comprises selected contributions from several large research communities in modern insurance mathematics and its applications. The main topics represented in the book are modern risk theory and its applications, stochastic modelling of insurance business, new mathematical problems in life and non-life insurance, and related topics in applied and financial mathematics. The book is an original and useful source of inspiration and essential reference for a broad spectrum of theoretical and applied researchers, research students and experts from the insurance business. In this way, Modern Problems in Insurance Mathematics will contribute to the development of research and academy–industry co-operation in the area of insurance mathematics and its applications.

  2. Gifted Programs Cannot Be Successful without Gifted Research and Theory: Evidence From Practice With Gifted Students of Mathematics

    Science.gov (United States)

    Dimitriadis, Christos

    2016-01-01

    This study investigated the educational provision for mathematically gifted students offered in primary (elementary) schools in England (United Kingdom) just before the abandonment of the government's Gifted and Talented (G&T) program. Through a questionnaire within five Educational Authorities and four in-depth case studies in different…

  3. Gifted Childreen and BILSEM

    OpenAIRE

    ÇELİKTEN, Yeliz

    2017-01-01

    Abstract: In addition to biological factors, various environmental factors such as school, family, teacher and friend environment influence the education and intelligence of gifted children. The cognitive and emotional development of these gifted children forms via interacting with these environmental factors . In addition to supporting and strengthening the social and emotional development of a gifted child, the need for guidance about issues such as parental sense of responsibility, lonelin...

  4. Perfectionism in gifted students: moderating effects of goal orientation and contingent self-worth.

    Science.gov (United States)

    Wang, Kenneth T; Fu, Chu-Chun; Rice, Kenneth G

    2012-06-01

    We examined the moderating effects of mastery goals and academic contingency of self-worth (CSW-A) on how perfectionistic discrepancy associates with academic efficacy and satisfaction with life among gifted students in middle and high school. Participants in this study were 144 gifted students from 6th to 12th grade in a suburban Midwest U.S. school district. A significant three-way interaction effect was found among discrepancy, mastery goals, and CSW-A on academic self-efficacy. The findings suggest that having high mastery goals served as a protective factor against the negative impact of discrepancy on academic efficacy for gifted students, but only for those with low CSW-A. For gifted students with elevated CSW-A, discrepancy was not negatively associated with academic self-efficacy, regardless of their level of mastery goals. The implications for these findings are discussed. (PsycINFO Database Record (c) 2012 APA, all rights reserved).

  5. Terminal investment in the gustatory appeal of nuptial food gifts in crickets.

    Science.gov (United States)

    Duffield, K R; Hunt, J; Rapkin, J; Sadd, B M; Sakaluk, S K

    2015-10-01

    Investment in current versus future reproduction represents a prominent trade-off in life-history theory and is likely dependent on an individual's life expectancy. The terminal investment hypothesis posits that a reduction in residual reproductive value (i.e. potential for future offspring) will result in increased investment in current reproduction. We tested the hypothesis that male decorated crickets (Gryllodes sigillatus), when cued to their impending mortality, should increase their reproductive effort by altering the composition of their nuptial food gifts (i.e. spermatophylaxes) to increase their gustatory appeal to females. Using a repeated-measures design, we analysed the amino acid composition of spermatophylaxes derived from males both before and after injection of either a saline control or a solution of heat-killed bacteria. The latter, although nonpathogenic, represents an immune challenge that may signal an impending survival threat. One principal component explaining amino acid variation in spermatophylaxes, characterized by a high loading to histidine, was significantly lower in immune-challenged versus control males. The relevance of this difference for the gustatory appeal of gifts to females was assessed by mapping spermatophylax composition onto a fitness surface derived in an earlier study identifying the amino acid composition of spermatophylaxes preferred by females. We found that immune-challenged males maintained the level of attractiveness of their gifts post-treatment, whereas control males produced significantly less attractive gifts post-injection. These results are consistent with the hypothesis that cues of a survival-threatening infection stimulate terminal investment in male decorated crickets with respect to the gustatory appeal of their nuptial food gifts. © 2015 European Society For Evolutionary Biology. Journal of Evolutionary Biology © 2015 European Society For Evolutionary Biology.

  6. 33 CFR 17.05-1 - Gifts.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 1 2010-07-01 2010-07-01 false Gifts. 17.05-1 Section 17.05-1 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY GENERAL UNITED STATES COAST GUARD GENERAL GIFT FUND Administration § 17.05-1 Gifts. The gifts or bequests may be in money or...

  7. Stochastic Cooperative Games in Insurance and Reinsurance

    NARCIS (Netherlands)

    Suijs, J.P.M.; De Waegenaere, A.M.B.; Borm, P.E.M.

    1996-01-01

    This paper shows how problems in `non life'-insurance and `non life'-reinsurance can be modelled simultaneously as cooperative games with stochastic payoffs.Pareto optimal allocations of the risks faced by the insurers and the insureds are determined.It is shown that the core of the corresponding

  8. 26 CFR 25.6075-1 - Returns, time for filing gift tax returns for gifts made after December 31, 1981.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Returns, time for filing gift tax returns for gifts made after December 31, 1981. 25.6075-1 Section 25.6075-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) ESTATE AND GIFT TAXES GIFT TAX; GIFTS MADE AFTER DECEMBER...

  9. Longevity Risk and Natural Hedge Potential in Portfolios Of Life Insurance Products : The Effect of Investment Risk

    NARCIS (Netherlands)

    Stevens, R.S.P.; De Waegenaere, A.M.B.; Melenberg, B.

    2011-01-01

    Payments of life insurance products depend on the uncertain future evolution of survival probabilities. This uncertainty is referred to as longevity risk. Existing literature shows that the effect of longevity risk on single life annuities can be substantial, and that there exists a (natural) hedge

  10. 76 FR 40451 - Agency Information Collection (Application for Ordinary Life Insurance) Activity Under OMB Review

    Science.gov (United States)

    2011-07-08

    ... reduced automatically by one-half from its present face value on the day before a policyholder's 65th and... (Application for Ordinary Life Insurance) Activity Under OMB Review AGENCY: Veterans Benefits Administration...) of 1995 [[Page 40452

  11. The Gift Relationship: Discovering Gift Exchange in Interpersonal Practice.

    Science.gov (United States)

    Brown, Christopher Basil

    2016-03-01

    Encountering the deeper flows of human experience and glimpsing the touch of the divine on the human soul offer guides and companions rich reflective content for their ongoing formation. This is a precious gift which pilgrims constantly place before their companions, though at times it remains 'unwrapped'. Through offering a supervision narrative, this paper provides a phenomenological description of such a gift exchange. © The Author(s) 2016.

  12. Development of Confucian Value Scale for Vietnamese Gifted Adolescents

    Science.gov (United States)

    Nguyen, Thi Minh Phuong; Jin, Putai; Gross, Miraca

    2010-01-01

    The heritage of Confucianism has been immensely spread in East Asian countries, including Vietnam. This philosophy has been transferred from preceding generations and has influenced the Vietnamese way of life, especially the love for learning. Vietnamese gifted adolescents are part of the philosophically Confucian affected communal. This study…

  13. The Lexis plot for run-off non-life insurance companies in United Kingdom

    Science.gov (United States)

    Samsudin, Humaida Banu

    2014-06-01

    This study is intended to look at the company's age to be one of the predictor for financially distressed non-life insurance companies in United Kingdom. Financial distress is a condition where a company has difficulty paying off its obligations to its creditors. For this study, Lexis plot is used to identify either younger companies or older companies are in run-off. Run-off is a process where many insurance companies stop underwriting policies long before they reach financial crisis or financial distress. The study utilises financial data of 22 years from year 1985 to year 2006 for 397 companies. From the study, it is identified that younger companies are more in financial distress than older companies.

  14. Insurance: Accounting, Regulation, Actuarial Science

    OpenAIRE

    Alain Tosetti; Thomas Behar; Michel Fromenteau; Stéphane Ménart

    2001-01-01

    We shall be examining the following topics: (i) basic frameworks for accounting and for statutory insurance rules; and (ii) actuarial principles of insurance; for both life and nonlife (i.e. casualty and property) insurance.Section 1 introduces insurance terminology, regarding what an operation must include in order to be an insurance operation (the legal, statistical, financial or economic aspects), and introduces the accounting and regulation frameworks and the two actuarial models of insur...

  15. Hierarchical Markov Model in Life Insurance and Social Benefit Schemes

    Directory of Open Access Journals (Sweden)

    Jiwook Jang

    2018-06-01

    Full Text Available We explored the effect of the jump-diffusion process on a social benefit scheme consisting of life insurance, unemployment/disability benefits, and retirement benefits. To do so, we used a four-state Markov chain with multiple decrements. Assuming independent state-wise intensities taking the form of a jump-diffusion process and deterministic interest rates, we evaluated the prospective reserves for this scheme in which the individual is employed at inception. We then numerically demonstrated the state of the reserves for the scheme under jump-diffusion and non-jump-diffusion settings. By decomposing the reserve equation into five components, our numerical illustration indicated that an extension of the retirement age has a spillover effect that would increase government expenses for other social insurance programs. We also conducted sensitivity analyses and examined the total-reserves components by changing the relevant parameters of the transition intensities, which are the average jump-size parameter, average jump frequency, and diffusion parameters of the chosen states, with figures provided. Our computation revealed that the total reserve is most sensitive to changes in average jump frequency.

  16. 26 CFR 25.2503-2 - Exclusions from gifts.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Exclusions from gifts. 25.2503-2 Section 25... GIFT TAXES GIFT TAX; GIFTS MADE AFTER DECEMBER 31, 1954 Determination of Tax Liability § 25.2503-2 Exclusions from gifts. (a) Except as provided in paragraph (f) of this section (involving gifts to a...

  17. Examination Of Gifted Students’ Probability Problem Solving Process In Terms Of Mathematical Thinking

    Directory of Open Access Journals (Sweden)

    Serdal BALTACI

    2016-10-01

    Full Text Available It is a widely known fact that gifted students have different skills compared to their peers. However, to what extent gifted students use mathematical thinking skills during probability problem solving process emerges as a significant question. Thence, the main aim of the present study is to examine 8th grade gifted students’ probability problem-solving process related to daily life in terms of mathematical thinking skills. In this regard, a case study was used in the study. The participants of the study were six students at 8th grade (four girls and two boys from the Science and Art Center. One of the purposeful sampling methods, maximum variation sampling was used for selecting the participants. Clinical interview and problems were used as a data collection tool. As a results of the study, it was determined that gifted students use reasoning and strategies skill, which is one of the mathematical thinking skills, mostly on the process of probability problem solving, and communication skills at least.

  18. The price of a gift: an approach to receiving gifts from patients in psychiatric practice.

    Science.gov (United States)

    Brendel, David H; Chu, James; Radden, Jennifer; Leeper, Howard; Pope, Harrison G; Samson, Jacqueline; Tsimprea, Gail; Bodkin, J Alexander

    2007-01-01

    When a patient or patient's family presents a psychiatrist with a gift, the clinician is challenged to maintain appropriate professional boundaries but have the flexibility to respond with warmth and appreciation. The psychiatrist must consider such factors as the intention of the gift, its value to the patient, and the anticipated effect of accepting or refusing it on the patient and the treatment. Psychiatric practitioners are ethically obligated to consider patients' best interests when deciding about how to handle the offer of a gift. Ethical deliberations about such situations occur on a case-by-case basis and require careful analysis of how to promote the patient's best interest while adhering to professional ethics. In this article, members of the McLean Hospital Ethics Committee present a pragmatic model for managing the presentation of a gift from a patient or a patient's family member. The pragmatic model, which focuses on the practical results of accepting or declining the gift, minimizes the risk of exploiting the patient by accepting a gift or hurting the patient by declining it. We present five clinical cases that raise ethical dilemmas concerning patient gift giving in psychiatry and discuss each case from the standpoint of the pragmatic model.

  19. 19 CFR 148.44 - Gifts.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 2 2010-04-01 2010-04-01 false Gifts. 148.44 Section 148.44 Customs Duties U.S...) PERSONAL DECLARATIONS AND EXEMPTIONS Exemptions for Nonresidents § 148.44 Gifts. (a) Exemption. An arriving... and are to be disposed of by him as bona fide gifts. See § 148.43(b) for limitations on cigars under...

  20. Gifted Disadvantaged Children.

    Science.gov (United States)

    Stallings, Clifford

    Presented are guidelines to help teachers effectively identify and educate gifted students from urban environments. It is said that the one consistent criteria that teachers may use to identify gifted students is the depth to which students respond to environmental items (recall of street signs or types of automobiles found on the block and…

  1. Inattentional Blindness in 9- to 10-Year-Old Intellectually Gifted Children

    DEFF Research Database (Denmark)

    Zhang, Hui; Zhang, Xingli; He, Yunfeng

    2016-01-01

    Researchers suggest that while intellectually gifted children might not always display adequate focus on their general life, they perform very well on experimental attentional tasks. The current study used inattentional blindness (IB) paradigm to understand better the attentional abilities...

  2. 5 CFR 2601.301 - Accounting of gifts.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Accounting of gifts. 2601.301 Section... IMPLEMENTATION OF OFFICE OF GOVERNMENT ETHICS STATUTORY GIFT ACCEPTANCE AUTHORITY Accounting Requirements § 2601.301 Accounting of gifts. (a) The Administration Division shall ensure that gifts are properly...

  3. PSYCHOLOGICAL ASPECTS OF GIFTED CHILDREN

    Directory of Open Access Journals (Sweden)

    Gordana Nikola Stankovska

    2013-12-01

    Full Text Available Giftedness is a multidimensional phenomenon that despite numerous studies and different approaches remains underexplored. It is known that there is different views about gifted children in psychological theory and practice. Giftedness represents general intellectual ability, general creative ability, productive and creative ability, the sum of specific skills, the ability of thinking, specific area of intelligence and creativity.Gifted child is a child who has above average skills and specific characteristics, which play an important role in the growth, development and education of these children. Researchers confirm the importance of early socialization, family and the primary teachers in the continually development of the gifted child on intellectual, social, emotional and somatic plan.It is known that e gifted child has specific characteristics and properties, such as originality, individuality, emotional stability, a high degree of intellectual capacity, independence, verbal fluency, perfectionism.Development and manifestation of creativity in gifted children depends of their cognitive component, personality traits, motivation. Gifted child early showed a specific interest in a particular area.This kind of child has a positive self-image, high self-esteem, self-confidence, high goals, a sense of self-worth, greater independence which manifests across the non-conformism and initiative.Every child deserves the special attention of parents, school and society, especially a gifted child which is a child with special needs about their average ability and special educational needs.

  4. Females of a gift-giving spider do not trade sex for food gifts: a consequence of male deception?

    Science.gov (United States)

    Pandulli-Alonso, Irene; Quaglia, Agustín; Albo, Maria J

    2017-05-15

    Polyandry is commonly maintained by direct benefits in gift-giving species, so females may remate as an adaptive foraging strategy. However, the assumption of a direct benefit fades in mating systems where male gift-giving behaviour has evolved from offering nutritive to worthless (non-nutritive) items. In the spider Paratrechalea ornata, 70% of gifts in nature are worthless. We therefore predicted female receptivity to be independent of hunger in this species. We exposed poorly-fed and well-fed females to multiple males offering nutritive gifts and well-fed females to males offering worthless gifts. Though the treatments strongly affected fecundity, females of all groups had similar number of matings. This confirms that female receptivity is independent of their nutritional state, i.e. polyandry does not prevail as a foraging strategy. In the spider Pisaura mirabilis, in which the majority (62%) of gifts in nature are nutritive, female receptivity depends on hunger. We therefore propose that the dependence of female receptivity on hunger state may have evolved in species with predominantly nutritive gifts but is absent in species with predominantly worthless gifts.

  5. Return Smoothing Mechanisms in Life and Pension Insurance

    DEFF Research Database (Denmark)

    Montserrat, Guillén; Jørgensen, Peter Løchte; Nielsen, Jens Perch

    2006-01-01

    pricing theory. We explore the properties of this pension scheme in detail and find that in terms of market value, smoothing is an illusion, but also that the return smoothing mechanism implies a dynamic asset allocation strategy which corresponds with traditional pension saving advice......Traditional with-profits pension saving schemes have been criticized for their opacity, plagued by embedded options and guarantees, and have recently created enormous problems for the solvency of the life insurance and pension industry. This has fueled creativity in the industry's product...... development departments, and this paper analyzes a representative member of a family of new pension schemes that have been introduced in the new millennium to alleviate these problems. The complete transparency of the new scheme's smoothing mechanism means that it can be analyzed using contingent claims...

  6. ACTOG - AUTOCAD TO GIFTS TRANSLATOR

    Science.gov (United States)

    Jones, A.

    1994-01-01

    The AutoCad TO Gifts Translator program, ACTOG, was developed to facilitate quick generation of small finite element models using the CASA/Gifts finite element modeling program. ACTOG reads the geometric data of a drawing from the Data Exchange File (DXF) used in AutoCAD and other PC based drafting programs. The geometric entities recognized by ACTOG include POINTs, LINEs, ARCs, SOLIDs, 3DLINEs and 3DFACEs. From this information ACTOG creates a GIFTS SRC file which can then be read into the GIFTS preprocessor BULKM or can be modified and read into EDITM to create a finite element model. The GIFTS commands created include KPOINTs, SLINEs, CARCs, GRID3s and GRID4s. The SRC file can be used as is (using the default parameters) or edited for any number of uses. It is assumed that the user has at least a working knowledge of AutoCAD and GIFTS. ACTOG was written in Microsoft QuickBasic (Version 2.0). The program was developed for the IBM PC and has been implemented on an IBM PC compatible under DOS 3.21. ACTOG was developed in 1988.

  7. Perceptions of the gift relationship in organ and tissue donation: Views of intensivists and donor and recipient coordinators.

    Science.gov (United States)

    Shaw, Rhonda

    2010-02-01

    The international literature on organ donation and transplantation has drawn attention to the popularity of "gift of life" discourse among pro-donation advocates, transplantation specialists, and within organisations lobbying for improved donation rates to promote the benefits of organ donation among members of the general public. In Aotearoa/New Zealand, gift of life discourse is robust. Aside from attempts to elicit altruism by promoting tissue donation in the public domain, gift terminology separates the act of donation from that of commerce and the commodification of body tissues. In distancing donation from commodification and the potential to degrade and exploit human beings, it is assumed that gift discourse transmits the positive message that donation is a noble and morally worthy act. Recent sociological research has shown that assumptions of the gift as one-way and altruistic do not necessarily align with people's perceptions and experience of donating body tissues, and that the vocabulary used to describe these acts is often at variance with reality. This article draws on interview data with 15 critical care specialists (intensivists) and donor and recipient coordinators, examining their perceptions of the relevance of gift discourse and its applicability in the context of deceased donation in Aotearoa/New Zealand. The data indicate several problems with gift rhetoric to describe the situations health professionals encounter. In sum, gift terminology tends to downplay the sacrifice involved in tissue donation generally, as well as depoliticising the exchange relations of tissue transfer in contemporary consumer culture and in the global context. This raises questions about the underlying ethics of language choice and what, if anything, empirical accounts of tissue transfer can contribute to ethical debates. Copyright 2009 Elsevier Ltd. All rights reserved.

  8. An Extravagant Gift From a Grateful Patient.

    Science.gov (United States)

    Sharma, Akshay; Johnson, Liza-Marie; Caruso Brown, Amy; Unguru, Yoram; Lantos, John D

    2018-05-04

    Gift giving is psychologically and culturally complex. In any context, a gift can have multiple meanings. In the context of the doctor-patient relationship, the giving of gifts and decisions about whether to accept gifts raise complex ethical issues. In this essay, a number of pediatric oncologists discuss the ethical considerations that should guide physicians as they decide how to respond to an extravagant gift from a family. Copyright © 2018 by the American Academy of Pediatrics.

  9. Korean Gifted Education: Domain-Specific Developmental Focus

    Science.gov (United States)

    Cho, Seokhee; Suh, Yewon

    2016-01-01

    The current Korean gifted education system is designed to help gifted children have a balance between excellence and emotional and social wellbeing. In this article, the current status of Korean gifted education is presented, reflecting on the history, purpose, theoretical foundation, infrastructure, and state of art of gifted education with…

  10. 5 CFR 2634.304 - Gifts and reimbursements.

    Science.gov (United States)

    2010-01-01

    ... manners: (1) If the gift has been newly purchased or is readily available in the market, the value shall... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Gifts and reimbursements. 2634.304....304 Gifts and reimbursements. (a) Gifts. Except as indicated in § 2634.308(b), each financial...

  11. A Psychological Autopsy of the Suicide of an Academically Gifted Student: Researchers' and Parents' Perspectives.

    Science.gov (United States)

    Cross, Tracy L.; Gust-Brey, Karyn; Ball, P. Bonny

    2002-01-01

    A case study of an academically gifted college student who committed suicide resulted in three sets of findings: those that reflected exclusively on the subject's life, those that compared his life with 3 previous psychological autopsies conducted, and those that reflected the parents' observations and experiences of his life. (Contains…

  12. Metacognitive Awareness and Math Anxiety in Gifted Students

    Science.gov (United States)

    Saricam, Hakan; Ogurlu, Üzeyir

    2015-01-01

    The basic purpose of this study has been to examine the relationships between metacognitive awareness and maths anxiety in gifted students. The second aim was to compare with gifted and non-gifted students' metacognitive awareness and maths anxiety levels. The participants were 300 (150 gifted, 150 non-gifted) volunteer secondary school students…

  13. Identifying Gifted Students in Puerto Rico: Validation of a Spanish Translation of the Gifted Rating Scales

    Science.gov (United States)

    Rosado, Javier I.; Pfeiffer, Steven; Petscher, Yaacov

    2015-01-01

    The challenge of correctly identifying gifted students is a critical issue. Gifted education in Puerto Rico is marked by insufficient support and a lack of appropriate identification methods. This study examined the reliability and validity of a Spanish translation of the "Gifted Rating Scales-School Form" (GRS) with a sample of 618…

  14. 17 CFR 270.6e-2 - Exemptions for certain variable life insurance separate accounts.

    Science.gov (United States)

    2010-04-01

    ...) solely with respect to variable life insurance contracts, means the gross premium payment made less any portion of such gross premium charged for or attributable to the items specified in paragraphs (c)(4)(vi... that portion of its assets having a value equal to, or approximately equal to, the reserves and other...

  15. Metacognitive awareness and math anxiety in gifted students

    Directory of Open Access Journals (Sweden)

    Hakan Sarıcam

    2015-12-01

    Full Text Available The basic purpose of this study has been to examine the relationships between metacognitive awareness and maths anxiety in gifted students. The second aim was to compare with gifted and non-gifted students’ metacognitive awareness and maths anxiety levels. The participants were 300 (150 gifted, 150 non-gifted volunteer secondary school students in Turkey. The mean age of the participants was 12.56 years ranging from 12 to 13 years. For gathering data, the Maths Anxiety Scale for Elementary School Students and The Metacognitive Awareness Inventory for Children were used. For analysing the data, Spearman correlation analysis, the Mann Whitney U test, and linear regression analysis were used. According to the findings: firstly, gifted students’ metacognitive awareness scores were higher than those of non-gifted students. On the other hand, non-gifted students’ maths anxiety levels were higher than those of gifted students. Secondly, there was negative correlation between metacognitive awareness and math anxiety. Finally, the findings of linear regression analysis indicated that metacognitive awareness is explained by 48% total variance of maths anxiety in gifted students.

  16. Experiences obtaining insurance after live kidney donation.

    Science.gov (United States)

    Boyarsky, B J; Massie, A B; Alejo, J L; Van Arendonk, K J; Wildonger, S; Garonzik-Wang, J M; Montgomery, R A; Deshpande, N A; Muzaale, A D; Segev, D L

    2014-09-01

    The impact of kidney donation on the ability to change or initiate health or life insurance following donation is unknown. To quantify this risk, we surveyed 1046 individuals who donated a kidney at our center between 1970 and 2011. Participants were asked whether they changed or initiated health or life insurance after donation, and if they had any difficulty doing so. Among 395 donors who changed or initiated health insurance after donation, 27 (7%) reported difficulty; among those who reported difficulty, 15 were denied altogether, 12 were charged a higher premium and 8 were told they had a preexisting condition because they were kidney donors. Among 186 donors who changed or initiated life insurance after donation, 46 (25%) reported difficulty; among those who reported difficulty, 23 were denied altogether, 27 were charged a higher premium and 17 were told they had a preexisting condition because they were kidney donors. In this single-center study, a high proportion of kidney donors reported difficulty changing or initiating insurance, particularly life insurance. These practices by insurers create unnecessary burden and stress for those choosing to donate and could negatively impact the likelihood of live kidney donation among those considering donation. © Copyright 2014 The American Society of Transplantation and the American Society of Transplant Surgeons.

  17. Gifted Education in the Australian Context

    Science.gov (United States)

    Walsh, Rosalind L.; Jolly, Jennifer L.

    2018-01-01

    The context in which gifted education operates in Australia provides for differing levels of identification and services. Lacking a federal mandate or funding, states and territories are responsible for addressing the needs of gifted students. Australia contributes to the gifted education research literature, focusing on acceleration, gifted…

  18. The Performative Gift: A Feminist Materialist Conceptual Model

    Directory of Open Access Journals (Sweden)

    Jörgen Skågeby

    2013-09-01

    Full Text Available Gifting (or gift-giving is a particularly interesting form of communication that envelops both material and social dimensions. Objects are transformed into gifts through particular socio-material practices. While these practices are, of course, interesting in themselves, this paper will take a step back and revisit attempts to define and theorize the gift as a concept. In a time when the gift economy is often called upon as a potential candidate for more “participatory alternatives to capitalist totality”, particularly in relation to theorizing of labour on and through the Internet, theories of gifting provide an important foundation for discussing the boundaries of alternative futures and economies. So far, little effort has been taken to advance gift theory into a new materialist or posthumanist thinking. In an attempt to take that first step, this paper provides two contributions. First, it highlights how feminist theorizing of the gift comprises interesting forerunners in a new materialist conception of the gift. Second, it explores the analytical traction that can be gained from interlocking theories of the gift, feminist materialism and digital media, the result being a conceptual model that addresses the gift as a form of virtual-digital-material communication.

  19. On the management of life insurance company risk by strategic choice of product mix, investment strategy and surplus appropriation schemes

    DEFF Research Database (Denmark)

    Bohnert, Alexander; Gatzert, Nadine; Jørgensen, Peter Løchte

    2015-01-01

    The aim of this paper is to analyze the impact of management’s strategic choice of asset and liability composition in life insurance on shortfall risk and the shareholders’ fair risk charge. In contrast to previous work, we focus on the effectiveness of management decisions regarding the product...... mix and the riskiness of the asset side under different surplus appropriation schemes. We propose a model setting that comprises temporary life annuities and endowment insurance contracts. Our numerical results show that the effectiveness of management decisions in regard to risk reduction strongly...

  20. Personality and Perceptions of the Gifted.

    Science.gov (United States)

    Karamessinis, Nicholas P.

    1980-01-01

    The article reviews the recent literature on the personality attributes and self-perceptions of the gifted, and the attitudes and perceptions held about them. Among the conclusions are that the gifted appear to have higher self-esteem than others, and that gifted students are more popular with their peers than others. (Author/DLS)

  1. 7 CFR 905.140 - Gift packages.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 8 2010-01-01 2010-01-01 false Gift packages. 905.140 Section 905.140 Agriculture... TANGELOS GROWN IN FLORIDA Rules and Regulations Non-Regulated Fruit § 905.140 Gift packages. Any handler..., ship any varieties for the following purpose and types of shipment: (a) To any person gift packages...

  2. The efficiency of life insurance and family Takaful in Malaysia: Relative efficiency using the stochastic cost frontier analysis

    Science.gov (United States)

    Baharin, Roziana; Isa, Zaidi

    2013-04-01

    This paper focuses on the Stochastic cost Frontier Analysis (SFA) approach, in an attempt to measure the relationship between efficiency and organizational structure for Takaful and insurance operators in Malaysia's dual financial system. This study applied a flexible cost functional form i.e., Fourier Flexible Functional Form, for a sample consisting of 19 firms, chosen between 2002 and 2010, by employing the Battese and Coelli invariant efficiency model. The findings show that on average, there is a significant difference in cost efficiency between the Takaful industry and the insurance industry. It was found that Takaful has lower cost efficiency than conventional insurance, which shows that the organization form has an influence on efficiency. Overall, it was observed that the level of efficiency scores for both life insurance and family Takaful do not vary across time.

  3. 19 CFR 10.152 - Bona-fide gifts.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Bona-fide gifts. 10.152 Section 10.152 Customs... and Bona Fide Gifts § 10.152 Bona-fide gifts. Subject to the conditions in § 10.153 of this part, the port director shall pass free of duty and tax any article sent as a bona-fide gift from a person in a...

  4. Culture, state and varieties of capitalism: a comparative study of life insurance markets in Hong Kong and Taiwan.

    Science.gov (United States)

    Chan, Cheris Shun-Ching

    2012-03-01

    This article examines the interplay between local culture, the state, and economic actors' agency in producing variation across markets. I adopt a political-cultural approach to examining why life insurance has been far more popular in Taiwan than Hong Kong, despite the presence of a cultural taboo on the topic of premature death in both societies. Based on interview data and documentary references, the findings reveal that as an independent state, the Taiwanese government heavily protected domestic insurance firms during their emergence. These domestic firms adopted a market-share approach by re-defining the concept of life insurance to accommodate the local cultural taboo. The colonial Hong Kong government, on the other hand, adopted laissez-faire policies that essentially favoured foreign insurance firms. When faced with the tension between local adaptation and the profitability of the business, these foreign firms chose the latter. Their reluctance to accommodate local cultures, however, resulted in a smaller market. I argue that state actions mediate who the dominant economic players are and that the nature of the dominant players affects the extent of localization. Specifically, the presence of competitive domestic players alongside transnational corporations is more likely to produce varieties of capitalism. © London School of Economics and Political Science 2012.

  5. All-Cause Mortality for Life Insurance Applicants with a History of Prostate Cancer.

    Science.gov (United States)

    Freitas, Stephen A; MacKenzie, Ross; Wylde, David N; Roudebush, Bradley T; Bergstrom, Richard L; Holowaty, J Carl; Beckman, Margaret; Rigatti, Steven J; Gill, Stacy

    2017-01-01

    - To determine the all-cause mortality of life insurance applicants diagnosed with prostate cancer currently or at some time in the past. - Prostate cancer is common and a frequent cause of cancer death. Both the frequency of prostate cancer in men and its propensity for causing premature mortality require insurance company medical directors and underwriters to have a good understanding of prostate cancer-related mortality trends, patterns, and outcomes in the insured population. - Life insurance applicants with reported prostate cancer were extracted from data covering United States residents between November 2007 and November 2014. Information about these applicants was matched to the Social Security Death Master (SSDMF) file for deaths occurring from 2007 to 2011 and to another commercially available death source file (Other Death Source, ODS) for deaths occurring from 2007 to 2014 to determine vital status. Actual to Expected (A/E) mortality ratios were calculated using the Society of Actuaries 2015 Valuation Basic Table (2015VBT), select and ultimate table (age last birthday) and the 2013 US population as expected mortality ratios. All expected bases were not smoker distinct. - The study covered applicants between the ages of 45 and 75 and had approximately 405,000 person-years of exposure. Older aged applicants had a lower mortality ratio than those who were younger. Applicants 45 to 54 had the highest mortality ratios in the first year after diagnosis which steadily decreased in years 6 to 10 with an increase in the mortality ratio for those over 10 years from diagnosis. Relative mortality rate was close to unity for those with localized cancer across all age groups. The mortality ratio was 2 to 4 times greater for those with cancer in 1 positive node, and much greater with 3 positive nodes. For each time-from-diagnosis category, the relative mortality ratios compared to age were highest in the 45-54 age group. The A/E mortality ratios based on the 2015VBT

  6. Life insurance securitisation in Europe : An overview on the effects of alternative capital resources and its relation to regulator and IFRS guidelines

    NARCIS (Netherlands)

    Walhof, P.; Dorsman, A.B.; Thibeault, A.

    2005-01-01

    Recently Life Insurance Securitisation practices have been probed in dedicated areas to access the wider capital markets. These developments have shown a rising interest among leading insurers and reinsurers to start building experience with securitisation practices, either for risk transfer,

  7. PRICING AND ASSESSING UNIT-LINKED INSURANCE CONTRACTS WITH INVESTMENT GUARANTEES

    Directory of Open Access Journals (Sweden)

    Ciumas Cristina

    2014-07-01

    Full Text Available One of the most interesting life insurance products to have emerged in recent years in the Romanian insurance market has been the unit-linked contract. Unit-linked insurance products are life insurance policies with investment component. A unit-linked life insurance has two important components: protection and investment. The protection component refers to the insured sum in case of the occurrence of insured risks and the investment component refers to the policyholders’ account that represents the present value of the units from the chosen investment funds. Due to the financial instability caused by the Global Crisis and the amplification of market competitiveness, insurers from international markets have started to incorporate guarantees in unit-linked products. So a unit- linked life insurance policy with an asset value guarantee is an insurance policy whose benefit payable on death or at maturity consists of the greater of some guaranteed amount and the value of the units from the investment funds. One of the most challenging issues concerns the pricing of minimum death benefit and maturity benefit guarantees and the establishing of proper reserves for these guarantees. Insurers granting guarantees of this type must estimate the cost and include the cost in the premium. An important component of the activity carried out by the insurance companies is the investment of the premiums paid by policyholders in various types of assets, in order to obtain higher yields than those guaranteed by the insurance contracts, while providing the necessary liquidity for the payment of insurance claims in case of occurrence of the assumed risks. So the guaranteed benefits can be broadly matched or immunized with various types of financial assets, especially with fixed-interest instruments. According to Romanian legislation which regulates the unit-linked life insurance market, unit-linked life insurance contracts pass most of the investment risk to the

  8. Gifted Education in Austria

    Science.gov (United States)

    Weyringer, Sieglinde

    2013-01-01

    In Austria, gifted education and the education of highly gifted and talented children have been receiving an increasing public awareness and social acceptance over the past decade. The article highlights the existing ideas of giftedness in Austria, and it presents several initiatives having triggered and influenced this positive development. The…

  9. The Selection of Gifted Students: Did Malcolm Gladwell Overstate the Role of Relative Age in the Gifted Program Selection Process?

    Science.gov (United States)

    O'Reilly, Frances L.; Matt, John J.

    2012-01-01

    Both gifted educators and parents need to be vigilant as to how gifted education is characterized in the popular media. Gifted educators spend countless resources to meet the needs of gifted students using very limited fiscal resources, and it is imperative that those efforts are not undermined in the popular media by unsubstantiated statements.…

  10. Spiritual gifts for biblical church growth

    Directory of Open Access Journals (Sweden)

    Brian A. DeVries

    2016-07-01

    Full Text Available This article examines the use of spiritual gifts for church growth, particularly in relation to the sovereign work of the Holy Spirit. The article begins with a definition of spiritual gifts and by highlighting their purpose for growing the church. This is followed by two practical considerations: How should Christian believers use spiritual gifts for church growth, and how should church leaders motivate gift use for this purpose? Since the Holy Spirit works though believers to build up the body of Christ, advocates of biblical church growth should seek to employ his means to motivate spiritual giftedness in the church.

  11. 26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

    Science.gov (United States)

    2010-04-01

    ... mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies operating on the basis of premium deposits; taxable years... fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies...

  12. Stress faced by gifted Vietnamese students: what might contribute to it?

    Directory of Open Access Journals (Sweden)

    Minh Hang Thi Nguyen

    2015-11-01

    Full Text Available Background Gifted students might have to face an abundance of stress. Nevertheless, very little evidence in Vietnam indicates how much stress those students are experiencing and what might predict it. This study aims to examine the stress level in students of the High School for Gifted Students in Hanoi and factors that might contribute to the stress. Participants and procedure This is a cross sectional study with the participation of 150 students from the High School for Gifted Students, Hanoi. Data were collected from March to April 2015. The first measure was the “Stress Level Test”, which was adapted to the Vietnamese culture to measure academic stress in students. The second measure examined factors contributing to stress: 1 social life, 2 family, 3 school work, 4 personal relationships, 5 well-being, 6 adapting skills. Results The results showed that 74% of students were experiencing mild to medium stress, which was found to be higher in girls and in students who lived away from home. The six predicting factors significantly contribute 17.30% to students’ stress experience, of which school work (p = .001 and students’ well-being (p = .011 can individually predict stress. These outcomes suggested that more attention should be focused on this specific population and more actions need to be taken to help them perform better at school. Conclusions Students of the High School for Gifted Students definitely experienced a considerable amount of stress which was related to school pressure and their well-being. For them to have a better high school life, more recreational and leisure time activities outside the classroom need to take place. In addition, more approachable and functional advisors and counseling personnel would be an ideal solution to this problem.

  13. Simple and Complex Gift Exchange in the Laboratory

    NARCIS (Netherlands)

    van der Heijden, E.C.M.; Nelissen, J.H.M.; Potters, J.J.M.; Verbon, H.A.A.

    1999-01-01

    We examine an experimental gift exchange game in which the players can improve upon the unique no-gifts equilibrium through cooperative gift giving. The main feature of the study is that there are two different types of gift exchange, which we call simple and complex exchange, respectively. Complex

  14. PARAMETRIC DISTRIBUTION FAMILIES USEFUL FOR MODELLING NON - LIFE INSURANCE PAYMENTS DATA. TAIL BEHAVIOUR

    Directory of Open Access Journals (Sweden)

    Sandra Teodorescu

    2013-11-01

    Full Text Available The present paper describes a series of parametric distributions used for modeling non-life insurance payments data.Of those listed, special attention is paid to the transformed Beta distribution family.This distribution as well as those which are obtained from it(special cases of four-parameter transformed Beta distribution are used in the modeling of high costs, or even extreme ones.In the literature it follows the tail behaviour of distributions depending on the parameters, because the insurance payments data are tipically highly positively skewed and distributed with large upper tails.In the paper is described the tail behavior of the distribution in the left and right side respectively, and deduced from it, a general case.There are also some graphs of probability density function for one of the transformed Beta family members, which comes to reinforce the comments made.

  15. Moving as a gift: relocation in older adulthood.

    Science.gov (United States)

    Perry, Tam E

    2014-12-01

    While discussions of accessibility, mobility and activities of daily living frame relocation studies, in older adulthood, the paper explores the emotional motivation of gift giving as a rationale for moving. This ethnographic study investigates the processes of household disbandment and decision-making of older adults in the Midwestern United States relocating in post-Global Financial Crisis contexts. In this study, relationships are created and sustained through the process of moving, linking older adults (n=81), their kin (n=49), and professionals (n=46) in the Midwestern United States. Using Marcel Mauss' The Gift (1925/1990) as a theoretical lens, relocation in older adulthood is conceptualized as a gift in two ways: to one's partner, and one's kin. Partners may consider gift-giving in terms of the act of moving to appease and honor their partner. Kin who were not moving themselves were also recipients of the gift of moving. These gifts enchain others in relationships of reciprocity. However these gifts, like all gifts, are not without costs or danger, so this paper examines some of the challenges that emerge along with gift-giving. Copyright © 2014 Elsevier Inc. All rights reserved.

  16. A follow-up study of 'successful' IVF/GIFT couples: social-emotional well-being and adjustment to parenthood.

    Science.gov (United States)

    Weaver, S M; Clifford, E; Gordon, A G; Hay, D M; Robinson, J

    1993-01-01

    Twenty couples who conceived their babies by in vitro fertilization/gamete intrafallopian transfer (IVF/GIFT) were seen between 15 and 27 months postdelivery in order to evaluate social-emotional well-being and parental functioning. Emotional health and marital adjustment were assessed by standard questionnaires and compared with general population norms. Questionnaires measuring quality of life, parents' feelings about their babies and child-rearing attitudes were also administered. Scores from these were compared with those obtained from a group of parents who had conceived without medical assistance. Results indicated that IVF/GIFT parents were undifferentiated from the general population with respect to emotional health and marital adjustment. Also, relative to non-IVF parents, they gave higher positive ratings for their feelings about their babies and for one aspect of quality of life (feelings of freedom). Parenting attitudes for the two groups differed in only one respect, IVF/GIFT parents reported being more overprotective.

  17. Switching benefits and costs in competitive health insurance markets: A conceptual framework and empirical evidence from the Netherlands.

    Science.gov (United States)

    Duijmelinck, Daniëlle M I D; Mosca, Ilaria; van de Ven, Wynand P M M

    2015-05-01

    Competitive health insurance markets will only enhance cost-containment, efficiency, quality, and consumer responsiveness if all consumers feel free to easily switch insurer. Consumers will switch insurer if their perceived switching benefits outweigh their perceived switching costs. We developed a conceptual framework with potential switching benefits and costs in competitive health insurance markets. Moreover, we used a questionnaire among Dutch consumers (1091 respondents) to empirically examine the relevance of the different switching benefits and costs in consumers' decision to (not) switch insurer. Price, insurers' service quality, insurers' contracted provider network, the benefits of supplementary insurance, and welcome gifts are potential switching benefits. Transaction costs, learning costs, 'benefit loss' costs, uncertainty costs, the costs of (not) switching provider, and sunk costs are potential switching costs. In 2013 most Dutch consumers switched insurer because of (1) price and (2) benefits of supplementary insurance. Nearly half of the non-switchers - and particularly unhealthy consumers - mentioned one of the switching costs as their main reason for not switching. Because unhealthy consumers feel not free to easily switch insurer, insurers have reduced incentives to invest in high-quality care for them. Therefore, policymakers should develop strategies to increase consumer choice. Copyright © 2014 Elsevier Ireland Ltd. All rights reserved.

  18. A current life table and causes of death for insured dogs in Japan.

    Science.gov (United States)

    Inoue, Mai; Hasegawa, A; Hosoi, Y; Sugiura, K

    2015-06-15

    The life expectancies and causes of death were evaluated in 299,555 dogs insured in Japan between 1 April 2010 and 31 March 2011, of which 4169 dogs died during this period. The overall life expectancy of dogs was 13.7 years. The probability of death was high in the first year of life, lowest in the second and third years, and increased exponentially after 3 years of age. The life expectancy was 13.8 years in the death increased as dogs got older for most potential causes of death. Neoplasia resulted in the highest probability of death, especially in the large and giant breed groups. Cardiovascular system disorders were the second major cause of death and the toy group had a probability of death significantly higher than the other breed groups at age 12+. Copyright © 2015 Elsevier B.V. All rights reserved.

  19. 41 CFR 109-50.4801 - Equipment Gift Agreement.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 3 2010-07-01 2010-07-01 false Equipment Gift Agreement... 50-SPECIAL DOE DISPOSAL AUTHORITIES 50.48-Exhibits § 109-50.4801 Equipment Gift Agreement. (a) The following Equipment Gift Agreement format will be used to provide gifts of excess and/or surplus equipment...

  20. The Gift of Literature

    Directory of Open Access Journals (Sweden)

    Todor Hristov

    2015-01-01

    Full Text Available The traumatic question “what has Bulgarian literature given to the world” acquired particular intensity in periods of crisis such as the Balkan Wars, and after 1989 and the subsequent Bulgarian EU accession. It is generally accepted that the value that Bulgarian literature transmits to the world lies in the identity it represented. The goal of the paper is to show that Bulgarian literature was constituted as a gift responding to the gift of world literature, yet ever unable to repay the debt incurred by its initial gift, and trying to alleviate its indebtedness by means of a specific language of exchange. Hristov believes that studying the literature on the value of Bulgarian literature will demonstrate that the notions of identity, recognition, value, translation, national and world literature have been inscribed in a scriptural economy blending gift and exchange in a peculiar way. He hopes that this economy emerged as a modification of the scriptural economy in which the notion of world literature had been embedded, and that it has been globalised into a universal literary economy.

  1. Is It Good to Be Gifted? The Social Construction of the Gifted Child

    Science.gov (United States)

    O'Connor, Jane

    2012-01-01

    There is growing evidence that children labelled as academically gifted are subjected to negative attitudes from others and that this impacts on their self-esteem and motivation to succeed. Through an analysis of British newspaper stories about gifted children, this article explores the socially constructed nature of the concept of the "gifted…

  2. Insurance against climate change and flood risk: Insurability and decision processes of insurers

    Science.gov (United States)

    Hung, Hung-Chih; Hung, Jia-Yi

    2016-04-01

    equivalent,' and 'gamble tradeoff' methods were used. We then synthesized a Tobit and an OLS regression analysis to identify and examine the determinants of insurers' decisions on insurability and pricing for flood risk. Furthermore, the data were collected through a questionnaire survey, which was conducted with the assistance from the Non-life Underwriters Society, Taiwan and the Actuarial Institute, Taiwan. After pretesting, questionnaires were mailed to 410 randomly chosen commercial property-and-casualty insurance firms' actuaries and underwriters. The final sample consisted of 179 questionnaires for a 43.8% response rate. 3. Results Results of the questionnaire survey reveal that flood risk tends to be more uninsurable when there is ambiguity regarding the probability of a particular flood event loss. The presence of insurers' risk aversion appears to be robust. Insurers would charge a significantly higher price for a flood insurance policy than normal property insurance. The findings also show that the insurers who perceived higher levels of flood risk, or/and had a company with smaller size or higher financial leverage, would trigger a higher premium for flood insurance. Governmental risk management strategies, such as land-use planning, building codes, flood-hazard zone regulations, also played a prominent role in enhancing insurability and decreasing insurance premium. Therefore, appropriate incentives should be combined with better public risk communication and mitigation strategies to stimulate insurance coverage in reducing flood loss.

  3. Metacognitive awareness and math anxiety in gifted students

    OpenAIRE

    Hakan Sarıcam; Üzeyir Ogurlu

    2015-01-01

    The basic purpose of this study has been to examine the relationships between metacognitive awareness and maths anxiety in gifted students. The second aim was to compare with gifted and non-gifted students’ metacognitive awareness and maths anxiety levels. The participants were 300 (150 gifted, 150 non-gifted) volunteer secondary school students in Turkey. The mean age of the participants was 12.56 years ranging from 12 to 13 years. For gathering data, the Maths Anxiety Scale for Elementary S...

  4. 26 CFR 25.2702-6 - Reduction in taxable gifts.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Reduction in taxable gifts. 25.2702-6 Section... AND GIFT TAXES GIFT TAX; GIFTS MADE AFTER DECEMBER 31, 1954 Special Valuation Rules § 25.2702-6 Reduction in taxable gifts. (a) Transfers of retained interests in trust—(1) Inter vivos transfers. If an...

  5. AutoCAD-To-GIFTS Translator Program

    Science.gov (United States)

    Jones, Andrew

    1989-01-01

    AutoCAD-to-GIFTS translator program, ACTOG, developed to facilitate quick generation of small finite-element models using CASA/GIFTS finite-element modeling program. Reads geometric data of drawing from Data Exchange File (DXF) used in AutoCAD and other PC-based drafting programs. Geometric entities recognized by ACTOG include points, lines, arcs, solids, three-dimensional lines, and three-dimensional faces. From this information, ACTOG creates GIFTS SRC file, which then reads into GIFTS preprocessor BULKM or modified and reads into EDITM to create finite-element model. SRC file used as is or edited for any number of uses. Written in Microsoft Quick-Basic (Version 2.0).

  6. 13 CFR 106.500 - What is SBA's Gift authority?

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is SBA's Gift authority? 106... AND NON-FEE BASED SBA-SPONSORED ACTIVITIES AND GIFTS Gifts § 106.500 What is SBA's Gift authority? This section covers SBA's Gift acceptance authority under sections 4(g), 8(b)(1)(G), 5(b)(9) and 7(k)(2...

  7. UNDERSTANDING SELF-GIFT CONSUMER BEHAVIOUR IN INDIA

    OpenAIRE

    Arora, Gautam

    2007-01-01

    Self-gift is a particularly complex class of self-directed consumption or self-indulgence that is hedonistic, special, symbolic, justified and context bound. A self-gift is what it represents to the individual and can be any product, service or experience. It challenges the very fundamental notion of gift giving as a dyadic enterprise and involves a plethora of varied emotions. Research from various studies has suggested that self-gift behaviour may be fairly common in Western society. This e...

  8. Intellectually Gifted Rural-to-Urban Migrant Children's Attention

    Science.gov (United States)

    Zhang, Hui; He, Yunfeng; Tao, Ting; Shi, Jian-Nong

    2016-01-01

    The term "intellectually gifted rural-to-urban migrant children" refers to intellectually gifted children who are in migration from rural to urban areas. We compared performances on seven attention tasks among intellectually gifted (n = 26) and average (n = 30) rural-to-urban migrant and intellectually gifted urban children (n = 31). Our…

  9. Health insurance basic actuarial models

    CERN Document Server

    Pitacco, Ermanno

    2014-01-01

    Health Insurance aims at filling a gap in actuarial literature, attempting to solve the frequent misunderstanding in regards to both the purpose and the contents of health insurance products (and ‘protection products’, more generally) on the one hand, and the relevant actuarial structures on the other. In order to cover the basic principles regarding health insurance techniques, the first few chapters in this book are mainly devoted to the need for health insurance and a description of insurance products in this area (sickness insurance, accident insurance, critical illness covers, income protection, long-term care insurance, health-related benefits as riders to life insurance policies). An introduction to general actuarial and risk-management issues follows. Basic actuarial models are presented for sickness insurance and income protection (i.e. disability annuities). Several numerical examples help the reader understand the main features of pricing and reserving in the health insurance area. A short int...

  10. 26 CFR 25.2701-3 - Determination of amount of gift.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Determination of amount of gift. 25.2701-3... AND GIFT TAXES GIFT TAX; GIFTS MADE AFTER DECEMBER 31, 1954 Special Valuation Rules § 25.2701-3 Determination of amount of gift. (a) Overview—(1) In general. The amount of the gift resulting from any transfer...

  11. 26 CFR 25.6324-1 - Special lien for gift tax.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Special lien for gift tax. 25.6324-1 Section 25... GIFT TAXES GIFT TAX; GIFTS MADE AFTER DECEMBER 31, 1954 Procedure and Administration § 25.6324-1 Special lien for gift tax. For regulations concerning the special lien for the gift tax, see § 301.6324-1...

  12. Sub-Ethnic and Geographic Variations in Out-of-Pocket Private Health Insurance Premiums Among Mid-Life Asians.

    Science.gov (United States)

    Choi, Sunha

    2017-03-01

    This study examined out-of-pocket premium burden of mid-life Asian Americans by comparing six sub-groups of Asians after controlling for geographic clustering at the county and state levels. The 2007-2011 National Health Interview Survey was linked to community-level data and analyzed for 4,628 Asians (ages 50-64), including 697 Asian Indians, 1,125 Chinese, 1,393 Filipinos, 434 Japanese, 524 Koreans, and 455 Vietnamese. Non-Hispanic Whites were included as a comparison group ( n = 48,135). Three-level multilevel modeling (state > county > individual) was conducted. Koreans and Vietnamese were found as vulnerable sub-groups considering their lower private health insurance rates and higher uninsured rates. Among those with private insurance, Asians, specifically Filipinos, paid significantly less than non-Hispanic Whites. Moderate but significant variations in the county- and state-level variance in out-of-pocket premiums were found, especially among mid-life Asians. This study demonstrates the importance of examining within-group heterogeneity and geographic variations in understanding premium burden among mid-life Asians.

  13. Performance Measurement Of Public Sector Insurance Units After De-Tariffication

    OpenAIRE

    Sharma, Seema; Sikidar, Dr. Sujit

    2014-01-01

    Insurance sector in India was privatised to publicise insurance products. After privatisation of this industry in India in the year 2000, the next important step taken in the general insurance industry was the removal of tariffs on the non-life insurance products with effect from January1, 2007. The introduction of the free price regime has provided an impetus to the non-life sector. Before the introduction of de-tariffication almost 70% of the business of the non-life sector was driven by va...

  14. Educational justice and the gifted

    NARCIS (Netherlands)

    Merry, M.S.

    2008-01-01

    This article examines two basic questions: first, what constitutes a gifted person, and secondly, is there justification in making special educational provision for gifted children, where special provision involves spending more on their education than on the education of 'normal' children? I

  15. China's Insurance Regulatory Reform, Corporate Governance Behavior and Insurers' Governance Effectiveness.

    Science.gov (United States)

    Li, Huicong; Zhang, Hongliang; Tsai, Sang-Bing; Qiu, Aichao

    2017-10-17

    External regulation is an important mechanism to improve corporate behavior in emerging markets. China's insurance governance regulation, which began to supervise and guide insurance corporate governance behavior in 2006, has experienced a complex process of reform. This study tested our hypotheses with a sample of 85 firms during 2010-2011, which was obtained by providing a questionnaire to all of China's shareholding insurance companies. The empirical study results generally show that China's insurance governance effectiveness has significantly improved through strict regulation. Insurance corporate governance can improve business acumen and risk-control ability, but no significant evidence was found to prove its influence on profitability, as a result of focusing less attention on governance than on management. State ownership is associated with higher corporate governance effectiveness than non-state ownership. Listed companies tend to outperform non-listed firms, and life insurance corporate governance is more effective than that of property insurers. This study not only contributes to the comprehensive understanding of corporate governance effectiveness but also to the literature by highlighting the effect of corporate governance regulation in China's insurance industry and other emerging economies of the financial sector.

  16. Nurturing gifted learners in Mainland China

    DEFF Research Database (Denmark)

    Shi, Jiannong; Zhang, X.; Chen, N.

    2013-01-01

    -socio-intellectual model, illustrated the nature of human being and the nature of gifted learners. From the perspective of the BSI model, the authors suggested three aspects are very critical to curriculum design to meet the needs of gifted education: physical maturation or physical development, social maturation......In this article, based on the previous researches on the development of gifted learners, the authors summarized the problems in nurturing gifted learners due to lacking of the appropriate educational philosophy and educational methodology in Mainland China. The authors proposed the Bio...... or social and interpersonal development, and mental maturation or intellectual development. It was proved that BSI model has its theoretical rationality and practical validity in Mainland China...

  17. The Measure of Classroom Stress and Burnout among Gifted and Talented Students.

    Science.gov (United States)

    Fimian, Michael J.; And Others

    1989-01-01

    Subjected gifted student data (N=311) to factor analyses for Student Stress Inventory and Maslach Burnout Inventory to assess factorial validity; five stress and three burnout factors were evident. Found significant relationships between stress, burnout, tedium, and, to a degree, quality of school life variables. (Author/NB)

  18. PSYCHO-PEDAGOGICAL SUPPORT OF GIFTED STUDENTS IN THE INTERNET-ENVIRONMENT

    Directory of Open Access Journals (Sweden)

    Kseniia A. Androsovych

    2017-06-01

    Full Text Available On the basis of a Pilot study author highlighted the problem groups of the factors affecting the performance of competitive research projects by students. These groups of factors conventionally are divided into: physical (health, well-being, fatigue; psychological (negative emotions, feelings, anxiety; social (communication with the manager, communication with peers, responsibility, greater load; scientific and methodical (limitation of resources, literature, scientific guidelines regulations; others (lack of time, technical design of the research. This article states that gifted students need more close interaction among themselves and with their scientific mentors; they have a certain psychological difficulties and seek help of specialist, but do not realize this desire in social life. The author proves the necessity and feasibility of establishing an interactive network centre to provide psychological and educational support for gifted students.

  19. Mechanisms of Protection from Interest Rate Risk with Reference to the Life Insurance Market in Montenegro

    Directory of Open Access Journals (Sweden)

    Burić Milijana Novović

    2018-01-01

    Full Text Available Insurance companies are facing major challenges that point to the need for control process and risk management. Risk management in insurance has a direct impact on solvency, economic security, and overall financial stability of insurance companies. It is very important for insurance companies to adequately calculate risks to which they are exposed. Asset liability management (ALM, as an integrated approach to financial management, requires simultaneous decision-making about categories and values of assets and liabilities in order to establish the optimum volume and the ratio of assets and liabilities, with the understanding of complexity of the financial market in which financial institutions operate. ALM focuses on a significant number of risks, whereby the emphasis in this paper will be on interest rate risk which indicates potential losses that may reflect in a lower interest margin, a lower value of assets or both, in terms of changes in interest rates. In the above context, the aim of this paper is to show how to protect from interest rate changes and how these changes influence the insurance market in Montenegro, both from the theoretical and the practical point of view. The authors consider this to be an interesting and very important topic, especially because the life insurance market in Montenegro is underdeveloped and subject to fluctuations. Also, taking into account the fact that Montenegro is a country that has been making serious efforts to join the EU, it is expected that insurance companies in Montenegro will strengthen their financial position in the market even using the ALM traditional techniques, which is shown in this paper.

  20. 7 CFR 906.41 - Gift fruit shipments.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 8 2010-01-01 2010-01-01 false Gift fruit shipments. 906.41 Section 906.41... LOWER RIO GRANDE VALLEY IN TEXAS Order Regulating Handling Regulation § 906.41 Gift fruit shipments. The handling to any person of gift packages of fruit individually addressed to such person, in quantities...

  1. Home Environment of Selected Filipino Gifted Individuals

    Science.gov (United States)

    Pawilen, Greg Tabios

    2018-01-01

    This study investigated the home environment of selected Filipino gifted individuals. It aims to answer two research questions: (1) what is the giftedness profile of the selected Filipino gifted?; (2) what types of home environments do Filipino gifted have? This study uses qualitative methods, specifically narrative research strategy, to provide a…

  2. Is Being Gifted Always an Advantage? Peer Relations and Self-Concept of Gifted Students

    Science.gov (United States)

    Košir, Katja; Horvat, Marina; Aram, Urška; Jurinec, Nina

    2016-01-01

    The purpose of this study was to investigate the differences between identified gifted adolescents and adolescents not identified as gifted in terms of social acceptance and self-concept (peer relations, academic, and general). In addition, we aimed to investigate the differences between two groups of students identified according to different…

  3. Insurance market development: An empirical study of African countries

    Directory of Open Access Journals (Sweden)

    Athenia Bongani Sibindi

    2015-12-01

    Full Text Available The insurance industry plays a very crucial role in an economy by fostering intermediation and by its mechanism of risk bearing. As such it could be argued that the insurance industry fosters economic growth. In this article we analyse the global insurance market development trends, particularly focusing on Africa. Our sample comprise of the 10 African countries namely—South Africa, Angola, Nigeria, Kenya, Mauritius, Namibia, Algeria, Tunisia, Morocco and Egypt. We employ three insurance market development metrics namely; premium volumes, insurance density and insurance penetrations ratios to establish trends in the level of development of global insurance markets. Our results document that the African countries (excluding South Africa have the least developed insurance markets. For most of the countries in our sample, the non-life insurance industry dominates the life-insurance industry. As such, it is imperative that their respective governments put in place measures that will grow their economies inorder to stimulate the development of insurance markets in Africa.

  4. Gifts and exchanges problems, frustrations, and triumphs

    CERN Document Server

    Katz, Linda S; Denning, Catherine

    2013-01-01

    This important book explores the many questions challenging librarians who work with gifts and exchanges (G&E) as part of their daily responsibilities. Too often, because of shrinking library budgets, library gifts are considered burdensome and unprofitable drains on both financial and personnel resources. However, Gifts and Exchanges: Problems, Frustrations, . . . and Triumphs gives you solutions that will allow you to embrace your library's gifts as rewards. In this book, you will discover the latest ways of disposing unwanted materials, planning and holding book sales and auctions, and oper

  5. Too poor for transplant: finance and insurance issues in transplant ethics.

    Science.gov (United States)

    Laurentine, Kyle Alexander; Bramstedt, Katrina A

    2010-06-01

    Donor organs are a scarce gift. Additionally, transplantation is very expensive and the United States lacks universal health insurance for all citizens. These facts combine to make personal finance and insurance some of the criteria for wait listing at US transplant centers. Previous research has shown that the poor and the uninsured (as well as women and nonwhites) are less likely to receive a transplant. Living donor candidates are also limited by the US insurance system. To determine the effect of finance and insurance variables on access to transplant and living donation. A qualitative descriptive study of ethics consultation data contained in a research registry approved by the institutional review board at California Pacific Medical Center. This study analyzes research registry data from a large community hospital in Northern California that serves patients from California, Oregon, and Nevada. The registry data are derived from transplant ethics consultations occurring between January 1, 2007, and June 30, 2009. This study explores the restriction of access to transplantation and of participation in living donation. More than a quarter of all transplant ethics consultation reports described the restriction of transplant-related treatment for reasons rooted in finance or insurance. Individuals on the recipient side and on the donor side were hindered with regard to access. Insurance status and personal ability to pay significantly affect access to transplantation in the United States, and this theme is a frequent feature of ethics consultations at California Pacific Medical Center.

  6. 38 CFR 38.603 - Gifts and donations.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Gifts and donations. 38...) NATIONAL CEMETERIES OF THE DEPARTMENT OF VETERANS AFFAIRS § 38.603 Gifts and donations. (a) Gifts and donations will be accepted only after it has been determined that the donor has a clear understanding that...

  7. How Finland Serves Gifted and Talented Pupils

    Science.gov (United States)

    Tirri, Kirsi; Kuusisto, Elina

    2013-01-01

    The purpose of this article is to provide an overview of the ways gifted and talented pupils are served in Finland. The trend toward individualism and freedom of choice as well as national policy affecting gifted education are discussed. Empirical research on Finnish teachers' attitudes toward gifted education with respect to the national…

  8. 19 CFR 145.32 - Bona-fide gifts.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 2 2010-04-01 2010-04-01 false Bona-fide gifts. 145.32 Section 145.32 Customs... (CONTINUED) MAIL IMPORTATIONS Special Classes of Merchandise § 145.32 Bona-fide gifts. The port director... as bona-fide gifts from persons in foreign countries to persons in the United States having an...

  9. Psychological perspectives on gifted education – selected problems

    Directory of Open Access Journals (Sweden)

    Sękowski Andrzej

    2015-12-01

    Full Text Available The present article reviews the psychological literature on selected problems of gifted education. It discusses issues which are particularly important from the point of view of the skills and tools used by psychologists, educational specialists, teachers and tutors in their daily work with gifted children and adolescents. The problems described include diagnosis of giftedness in education, types of educational support provided to the gifted, and the requirements placed on teachers of gifted students. A particular emphasis is put on the contemporary research-related and practical challenges faced by gifted support specialists in schools.

  10. 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...

  11. CURRENT CHANGES ON INSURANCE MARKET

    Directory of Open Access Journals (Sweden)

    Madalina Giorgiana MANGRA

    2016-12-01

    Full Text Available The offer of insurance products is about the requirements and needs of the consumer who must always have information regarding: the type of insurance risk covered and the excluded risks, the sum insured, the payment of premiums and their duration. The accurate information of customer requires, from the commencement of contract and throughout its duration, that he or she is aware of the obligations throughout the contractual period. Most of the Romanians are turning their attention to one of the insurance companies found in the top 10 in 2016, supervised by F.S.A. (Financial Supervision Authority, preferring to have a policy of mandatory household and goods insurance, auto liability or life insurance, but are also interested in travel health insurance when going abroad, private health insurance or private pension insurance. Romanians' reluctance regarding the conclusion of an insurance comes from their distrust in insurance companies (see the situations of companies like Astra Insurance, Carpatica Insurance etc., their personal financial situation and the fear that they will not receive protection if the risk is covered but the insured sum is insufficient

  12. MIFT: GIFT Combinatorial Geometry Input to VCS Code

    Science.gov (United States)

    1977-03-01

    r-w w-^ H ^ß0318is CQ BRL °RCUMr REPORT NO. 1967 —-S: ... MIFT: GIFT COMBINATORIAL GEOMETRY INPUT TO VCS CODE Albert E...TITLE (and Subtitle) MIFT: GIFT Combinatorial Geometry Input to VCS Code S. TYPE OF REPORT & PERIOD COVERED FINAL 6. PERFORMING ORG. REPORT NUMBER...Vehicle Code System (VCS) called MORSE was modified to accept the GIFT combinatorial geometry package. GIFT , as opposed to the geometry package

  13. Identifying the Gifted Child Humorist.

    Science.gov (United States)

    Fern, Tami L.

    1991-01-01

    This study attempted to identify gifted child humorists among 1,204 children in grades 3-6. Final identification of 13 gifted child humorists was determined through application of such criteria as funniness, originality, and exemplary performance or product. The influence of intelligence, development, social factors, sex differences, family…

  14. Giving Gifts with a Purpose.

    Science.gov (United States)

    Dillon, Douglas E.

    1987-01-01

    Gifts can link class discussions to the real world while involving children in reading, travel, or a search for information. They make children more receptive to the teacher, school in general, and ultimately to the subject. Ways to find cheap or free gifts for students are discussed. (MT)

  15. Stress Management and Gifted Children

    Science.gov (United States)

    Patel, Vidisha A.

    2009-01-01

    Stress can affect anyone, and gifted children are no exception. Giftedness can sometimes be the cause of the stress. Perfectionism, sensitivity, and intensity are characteristics of gifted children that may exacerbate stress. Stress can be constructive. Prolonged stress, however, with no time to recover becomes detrimental. Continued stress upsets…

  16. Educational Justice and the Gifted

    Science.gov (United States)

    Merry, Michael S.

    2008-01-01

    This article examines two basic questions: first, what constitutes a gifted person, and secondly, is there justification in making special educational provision for gifted children, where special provision involves spending more on their education than on the education of "normal" children? I consider a hypothetical case for allocating extra…

  17. Space Odyssey Gift Shop

    Science.gov (United States)

    2000-01-01

    The Space Odyssey Gift Shop located in StenniSphere at the John C. Stennis Space Center in Hancock County, Miss., offers every visitor the opportunity to go home with 'the right stuff' from his or her StenniSphere visit. The gift shop is located just inside the front doors to StenniSphere and offers a wide range of space-related apparel, memorabilia, toys, books, mission patches and more.

  18. 33 CFR 17.01-10 - Authority to receive gifts.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 1 2010-07-01 2010-07-01 false Authority to receive gifts. 17.01... GENERAL UNITED STATES COAST GUARD GENERAL GIFT FUND General Provisions § 17.01-10 Authority to receive gifts. (a) The Commandant, United States Coast Guard, may accept, receive, hold, or administer gifts...

  19. 5 CFR 2635.205 - Proper disposition of prohibited gifts.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Proper disposition of prohibited gifts... STANDARDS OF ETHICAL CONDUCT FOR EMPLOYEES OF THE EXECUTIVE BRANCH Gifts From Outside Sources § 2635.205 Proper disposition of prohibited gifts. (a) An employee who has received a gift that cannot be accepted...

  20. Star Power: Providing for the Gifted & Talented. Module 1. Characteristics of the Gifted/Talented.

    Science.gov (United States)

    Heinemann, Alison

    The document presents Module 1, characteristics of the gifted/talented student, of the Star Power modules, developed for school personnel who have an interest in or a need to explore the area of gifted and talented education. It is explained in an introductory section that the modules can be used for independent study, for small group interaction,…

  1. Star Power: Providing for the Gifted & Talented. Module 6. Underachievers Among the Gifted/Talented.

    Science.gov (United States)

    Heinemann, Alison

    The document presents Module 6, underachievers among the gifted/talented, of the Star Power modules developed for school personnel who have an interest in or a need to explore the area of gifted and talented education. It is explained in an introductory section that the modules can be used for independent study, for small group interaction, or for…

  2. Reporting Deferred Gifts: CASE-NACUBO Guidelines Ensure Consistency.

    Science.gov (United States)

    Ridenour, James F.; Munger, Peter L.

    1983-01-01

    Three methods for reporting the value of a deferred gift are described: the tax method, net realizable value, and fair market value. Three major categories of deferred gifts are identified: pooled income funds, charitable remainder trusts, and charitable gift annuities. (MLW)

  3. Culture, Ethics, Scripts, and Gifts.

    Science.gov (United States)

    Messerschmitt, Dorothy; Hafernik, Johnnie Johnson; Vandrick, Stephanie

    1997-01-01

    Discusses gift-giving patterns in different cultures, particularly in relation to teacher-student interactions in English-as-a-Second-Language (ESL) instruction. Situations in which gift-giving can raise ethical questions and how to teach culturally diverse students about this issue are highlighted. Script theory provides a theoretical basis for…

  4. Gifted-Child Pedagogy: Meaningful Chimera?

    Science.gov (United States)

    Coleman, Laurence J.

    2003-01-01

    This article explores the concept of gifted-child pedagogy (GCP) and consequences of adopting a GCP model. It argues that use of the term GCP can create a faux reality that GCP exists and that teachers who do not have this particular pedagogy cannot help gifted children. (Contains 7 references.) (CR)

  5. How Do Board Characteristics Influence Business Performance? Evidence from Non-life Insurance Firms in Zimbabwe

    Directory of Open Access Journals (Sweden)

    Maxwell Sandada

    2015-08-01

    Full Text Available The purpose of this study was to contribute to the corporate governance literature by establishing the relationship between board characteristics and corporate performance within the nonlife insurance firms in Zimbabwe. The study sought to provide some insights on corporate governance since the phenomenon is relatively an emerging discipline in Zimbabwe. The paper sought to complement other corporate governance studies that were conducted in other environments by producing evidence on the phenomenon from a developing country context. A quantitative research approach was adopted and respondents were selected through a stratified random sampling. The results of the study confirm that board characteristics (board composition, diversity, and size exhibit a statistically significant positive predictive relationship with the performance of non-life insurance firms measured by gross premium written and customer retention. However, CEO/Chairman duality showed a negative relationship with business performance. Non-life insurance companies need to be cognizant of board characteristics in order to improve their performance. Moreover , the findings in this research has practical relevance for the selection process of directors as it highlights the importance of having a sizeable number of board members as well as an appropriate mix of competences and qualifications on the board. Although corporate governance is has been extensively researched, there is limited study in this area from a developing country like Zimbabwe with relatively less developed capital markets. It would be wrong to assume that the findings found in other countries can apply here because the conditions are different.

  6. Gifted Education in the Netherlands

    Science.gov (United States)

    De Boer, Greet C.; Minnaert, Alexander E. M. G.; Kamphof, Gert

    2013-01-01

    In the summer of 2011, the Dutch Minister of Education, Culture, and Science presented a letter to the Cabinet, containing the policy objectives for the education of talented, gifted, and highly gifted students. In action plans for primary, secondary, and higher education, in addition to the development of teacher skills, specific measures were…

  7. Gifted and Talented Education in Turkey: Critics and Prospects

    Directory of Open Access Journals (Sweden)

    Uğur Sak

    2015-12-01

    Full Text Available This article is a review and critics of gifted education in Turkey. Gifted education in Turkey has undergone dramatic changes in recent years. Innovations and regulations in the education of gifted and talented students have emerged and been formed as a result of a global agenda of the country. New steps such as the establishment of science high schools have been taken at specific critical point in history. With the beginning of the 21st century, the education of gifted students has gained momentum with the national strategic plan on gifted education and establishment of gifted education departments in universities. In the last fifteen years, the number of special programs and scientific publications has multiplied. Even though gifted education in Turkey has progressed notably over years, certain problems still remain unsolved, such as inconsistencies in definitions and contradictions between definitions and practices, inefficiency in nationwide identification, inadequate number of program types, recruitment of untrained teachers and lack of expertise in program development, and opposition against gifted education.

  8. Patterns of computer use amoung gifted children

    Energy Technology Data Exchange (ETDEWEB)

    Sesko, S.C.

    1998-03-20

    This study investigated patterns of computer interaction by gifted children who use computers extensively. There were two objectives: (a) To examine how these particular children came to learn various computer applications and programming, where they began, and how; and (b) To explore the number and variety of uses these gifted children have for their various computer interactions. The study led to several conjectures about the interactions of gifted children and computers. There is evidence that schools do not well serve gifted children regarding computer use. As a result, many gifted children learn what they know about computers and computer applications at home or elsewhere. Further evidence indicates that, without formal instruction in school, these children have constructed their own ideas of what computers are for and what they are able to do with them. Though many of these uses are no different from the ones that other children and adults have discovered, the study found some idiosyncratic uses and meanings. Along with the `what` of research, there is the question of `why` it is important and worth pursuing. This research has the promise of contributing to knowledge in the area of gifted and talented education, in that by understanding better how gifted children come to learn various computer applications and computer programming, and by understanding better the uses they have for these interactions, educators may be able to develop curricula, environments, and instruction to enhance these learning experiences in technology. This study establishes, to the best of the my knowledge, a precedent in the field of research into gifted and talented children and their use of computers.

  9. Impact of Closed-Loop Gift Card Promotions By Businesses

    Directory of Open Access Journals (Sweden)

    Kathryn W. Ernstberger

    2013-07-01

    Full Text Available At their inception, gift cards were sold by businesses to customers to give as gifts to others. More recently, gift cards are beingused strategically by businesses to manage and transform their relationships with customers. Of particular interest here is the closed-loop gift card that can only be redeemed at the business whose name is on it. This analysis discusses the impact of closed-loop gift card promotions and evaluates the impact of these promotions ontotal spending, lift and redemption rates.

  10. 26 CFR 25.2523(a)-1 - Gift to spouse; in general.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Gift to spouse; in general. 25.2523(a)-1...) ESTATE AND GIFT TAXES GIFT TAX; GIFTS MADE AFTER DECEMBER 31, 1954 Deductions § 25.2523(a)-1 Gift to spouse; in general. (a) In general. In determining the amount of taxable gifts for the calendar quarter...

  11. 12 CFR 264b.4 - Gifts of minimal value.

    Science.gov (United States)

    2010-01-01

    ... RULES REGARDING FOREIGN GIFTS AND DECORATIONS § 264b.4 Gifts of minimal value. (a) Board employees may... occur on the same day. (b) Board employees may determine at the time a gift is offered whether it is of... for valuation. (c) Disagreements over whether a gift is of minimal value will be resolved by an...

  12. Star Power: Providing for the Gifted & Talented. Module 9. Programs for the Gifted/Talented.

    Science.gov (United States)

    Mallis, Jackie; Heinemann, Alison

    The document presents Module 9, programs for the gifted/talented, of the Star Power modules developed for school personnel who have an interest in or a need to explore the area of gifted and talented education. It is explained in an introductory section that the modules can be used for independent study, for small group interaction, or for a large…

  13. Is Being Gifted a Social Handicap?

    Science.gov (United States)

    Coleman, Laurence J.; Cross, Tracy L.

    1988-01-01

    Interviews with 15 gifted/talented adolescents indicated that many of them experienced giftedness as a social handicap. Some students coped with this by managing information about themselves to minimize their visibility as gifted students to others. (Author/JDD)

  14. High Reading Skills Mask Dyslexia in Gifted Children

    Science.gov (United States)

    van Viersen, Sietske; Kroesbergen, Evelyn H.; Slot, Esther M.; de Bree, Elise H.

    2016-01-01

    This study investigated how gifted children with dyslexia might be able to mask literacy problems and the role of possible compensatory mechanisms. The sample consisted of 121 Dutch primary school children that were divided over four groups (typically developing [TD] children, children with dyslexia, gifted children, gifted children with…

  15. Educational Provision for the Academically Gifted: Rhetoric or ...

    African Journals Online (AJOL)

    Some gifted people have made invaluable contributions to the world that shaped the destiny of humanity. Identification and development of gifts and talents of gifted children has been viewed as critical in tapping this valuable human resource. This study investigated the extent to which children who had demonstrated ...

  16. Review of dissertation «The Relationship Between Identified Gifted and Talented Children and Their Parents» by Brian J. Welsh

    Directory of Open Access Journals (Sweden)

    Florova N.B.

    2016-01-01

    Full Text Available This review points out that experts still do not clearly understand the perception of gifted children be their parents and the way the last build relations in the «parent-children " system. Parents of gifted children clearly need special family resources that might contribute to the progress of their children in future. Such resources are a key to the success of these children at the family level and are commonly - family habits, strategies, values, and ways of life. This study is phenomenological because it describes the qualitative parameters-internal mutual coupling of a certain number of factors in the system, «families with gifted children». It was held in families with gifted children of the middle school age, with the help of interviews and archival data. The author of the research studied the totality of the factors affecting the life experiences of the participants. It discovered that parents are the most powerful force in ensuring the successful training, socialization, emotional well-being of children. Such methods can be showcased on the educational process, in which gifted students are the potential leaders, researchers, physicians, and scientists. The author emphasizes that in the course of work on the topic he himself deeper realized the role of parents' experiences in educational, social and emotional formation of children. The basis for the concept of the study are the following determined groups of factors: a emotional (positive and negative aspects and feeling, b social, (academic achievements

  17. 11 CFR 7.20 - Gifts, entertainment, and favors.

    Science.gov (United States)

    2010-01-01

    ... 11 Federal Elections 1 2010-01-01 2010-01-01 false Gifts, entertainment, and favors. 7.20 Section... of Special Commission Employees § 7.20 Gifts, entertainment, and favors. Except as provided at 11 CFR... a gift, gratuity, loan, entertainment, or favor for himself or herself, or for another person...

  18. 78 FR 39020 - Market Test on Gift Cards

    Science.gov (United States)

    2013-06-28

    ... POSTAL REGULATORY COMMISSION [Docket No. MT2011-2; Order No. 1755] Market Test on Gift Cards... Service filing requesting a temporary extension of a market test on gift cards. This notice informs the... INFORMATION: On June 18, 2013, the United States Postal Service moved to temporarily extend its Gift Card...

  19. Building Gifted Education: One State at a Time

    Science.gov (United States)

    Jolly, Jennifer L.

    2014-01-01

    The "Marland" Report was the impetus and structure to provide a more systematic approach to building state and regional gifted programs. One of the strategies used to proliferate the spread of programming for gifted students throughout the states was the National/State Leadership Training Institute on the Gifted and Talented…

  20. Gifted and Non-Gifted Lebanese Adolescents: Gender Differences in Self-Concept, Self-Esteem and Depression

    Science.gov (United States)

    Sarouphim, Ketty M.

    2011-01-01

    The purpose of this study was to investigate gender differences in self-concept, self-esteem, and depression among gifted (n = 68) and non-gifted (n = 174) adolescents in Lebanon. Participants were 242 adolescents (110 males and 132 females), with a mean age of 13.9 years. Four measures were used: DISCOVER assessment, Piers-Harris 2 self-concept…

  1. 76 FR 3180 - Market Test of Gift Cards

    Science.gov (United States)

    2011-01-19

    ... are very similar to money orders. Id. at 7. The Postal Service asserts that gift cards purchased from... POSTAL REGULATORY COMMISSION [Docket No. MT2011-2; Order No. 647] Market Test of Gift Cards AGENCY... Service proposal to conduct a 2-year market test involving the sale of gift cards. This document describes...

  2. 43 CFR 19.7 - Private contributions and gifts.

    Science.gov (United States)

    2010-10-01

    ... 43 Public Lands: Interior 1 2010-10-01 2010-10-01 false Private contributions and gifts. 19.7... National Wilderness Preservation System § 19.7 Private contributions and gifts. (a) The Secretary is... contributions and gifts to be used to further the purposes of the act. The Secretary, under the authorization of...

  3. 7 CFR 927.121 - Pears for gift purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 8 2010-01-01 2010-01-01 false Pears for gift purposes. 927.121 Section 927.121... WASHINGTON Rules and Regulations Exemptions and Safeguards § 927.121 Pears for gift purposes. There are exempted from the provisions of the order any and all pears which, in individual gift packages, are shipped...

  4. Gifted Kids Curriculum: What Do the Students Say?

    Science.gov (United States)

    Bate, Joanne; Clark, Deb; Riley, Tracy

    2012-01-01

    Gifted students have different learning, social and emotional needs to their peers. The needs of some gifted students can be met within their mainstream school. Other gifted students need learning, social and emotional support beyond the school gates. The New Zealand Ministry of Education (2000) advocates for a continuum of provisions for gifted…

  5. 26 CFR 1.672(f)-4 - Recharacterization of purported gifts.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Recharacterization of purported gifts. 1.672(f...)-4 Recharacterization of purported gifts. (a) In general—(1) Purported gifts from partnerships... purported gift or bequest (as defined in paragraph (d) of this section) from a partnership, the purported...

  6. Administrative Guidelines: Education of Gifted Students [and] Plan for Education of the Gifted in South Dakota.

    Science.gov (United States)

    South Dakota State Dept. of Education and Cultural Affairs, Pierre.

    This document is intended to assist South Dakota schools in the development and implementation of Gifted Education Plans, and includes state laws and rules pertaining to gifted education, guidelines for reporting, and explanations of the necessary components of a district's written plan. A brief statement of philosophy addresses characteristics of…

  7. Guiding the Gifted Reader. ERIC Digest #E481.

    Science.gov (United States)

    Halsted, Judith Wynn

    This digest offers guidelines in providing challenging reading opportunities for gifted students. Research findings concerning the characteristics of the gifted child as reader (e.g., they read earlier, better and more) are noted. Specific needs of gifted learners can be met by: using literature as a supplement to the readings in basal texts;…

  8. Nurturing Gifted and Talented Students to Become Future Leaders: The Innovative Curriculum for the Gifted and/or Talented at GT College in Hong Kong

    Science.gov (United States)

    Tam, Raymond Kwok-Wai

    2017-01-01

    In the previous literature on gifted education in Hong Kong, there has been little mention of special schools for gifted and/or talented students in Hong Kong except for GT College, Hong Kong's first college for the gifted. Some notable researchers in gifted education in Hong Kong have described the college briefly with regard to its admission…

  9. Nuclear insurance and third-party liability. An overview

    Energy Technology Data Exchange (ETDEWEB)

    Rashid, Nahrul Khair

    1986-04-01

    As for any other insurance policy, nuclear insurance involves two parties, the insurer and the insured. The coverage provided for can be against any misfortune or peril; material or physical losses, financial losses, third party liability or even the insured himself as in the case of life or personal insurance. In property and liability insurance, the element of certainty does not exist. Accidents cannot be predicted, the insured will only be able to financially recover the present worth of the property insured as evaluated at the time of the accident and to the extent of the damage arising from the event insured against, which in most cases will be lower than the full value of the property.

  10. 26 CFR 301.6019-1 - Gift tax returns.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 18 2010-04-01 2010-04-01 false Gift tax returns. 301.6019-1 Section 301.6019-1... ADMINISTRATION PROCEDURE AND ADMINISTRATION Information and Returns Returns and Records § 301.6019-1 Gift tax returns. For provisions relating to requirement of gift tax returns, see §§ 25.6019-1 to 25.6019-4...

  11. Fishy Gifts: Bribing with Shame and Guilt

    OpenAIRE

    Ong, David

    2008-01-01

    Gifts are often used where the institutions of contracting do not exist, or are underdeveloped, as in emerging markets, or otherwise unenforceable, as with illicit transactions in developed markets. The following is an analysis of gifts in the context of belief preferences with unobservable reciprocation. I show that if recipients are heterogeneously shame and guilt averse, the beliefs implied by a gift can induce a self-fulfilling reputation through their interaction. In particular, I show h...

  12. Russian Federation Financial Sector Assessment Program : Insurance Core Principles Assessment

    OpenAIRE

    World Bank; International Monetary Fund

    2016-01-01

    With about RUB 988bn (USD 26bn) in gross premium written, in 2014, the Russian insurance industry ranked 27th in the world. Non-life insurance premium accounted for 89 percent of GPW while life insurance for only 11 percent. In 2015, the industry also faced with the consequences of the Western economic sanctions which effectively closed access to the high quality Western reinsurance capaci...

  13. AREAS FOR INNOVATIVE PRODUCTS IMPLEMENTATION IN THE INSURANCE MARKET OF UKRAINE

    Directory of Open Access Journals (Sweden)

    Diana Tretiak

    2017-11-01

    Full Text Available The aim of the article is to assess the prospects for the implementation of the investment life insurance in Ukraine. The study analysed the experience of foreign countries in the investment life insurance market development. Also, an analysis of existing definitions for the "unit-linked" term is carried out; the result is the conclusion that they are limited to only a descriptive characteristic that relates to a particular aspect of the product. Upon that, a comprehensive definition is absent at all now. Methods. The study is based on a comparison of "unitlinked" products with the traditional life insurance, which exist in the world practice. Practical importance. Increase in the inflow of long-term resources in the Ukrainian economy through the implementation of an innovative unitlinked product. Transformation of the life insurance industry into the high-margin business sphere in Ukraine. Importance/originality. A technique of constructing an innovative unit-linked product depending on the specifics of the domestic insurance market performance is developed. Results. The article considers in depth the specific features of unit-linked products, which distinguish this life insurance type from the classic accumulative insurance. In addition, it highlights other important characteristics such as a high level of flexibility and transparency of all the components. Also, the advantages and disadvantages of unit-linked products are considered as compared to alternative products, its classification is held for the selected parameter group. The estimations of the unit-linked product development prospects, as well as its influence on the growth of the insurance market, are made. The study justifies the legislative consolidation of the investment life insurance along with a number of expansionary measures successfully implemented in Eastern European countries, which are similar to Ukraine. The result within the framework of this direction is the

  14. Teachers' Views about the Education of Gifted Students in Regular Classrooms

    Directory of Open Access Journals (Sweden)

    Neşe Kutlu Abu

    2017-12-01

    Full Text Available The purpose of this study was to investigate classroom teachers’ views about the education of gifted students in regular classrooms. The sample of the study is composed of ten primary school teachers working in the city of Amasya and had gifted students in their classes. In the present study, phenomenological research design was used. Data was collected through semi-structured interviews and analyzed descriptively in the QSR N-Vivo package program. The findings showed that teachers did not believe a need for differentiating curriculum for gifted students; rather they expressed that regular curriculum was enough for gifted students. Based on the findings, it is clear that teachers need training both on the need of differentiated education for gifted students and strategies and approaches about how to educate gifted students. Teachers’ attitudes towards gifted students in regular classrooms should be investigated so that teachers’ unsupportive beliefs about differentiation for gifted students also influence their attitudes towards gifted students.

  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. Fine-art gifted pupils in art classes

    OpenAIRE

    Vogrin, Oto

    2011-01-01

    Fine arts gift is an inborn quality yet the potential can easily be wasted if not developed. The development of a child’s gift is affected by his/her surroundings and conditions, adapted to an individual’s needs. Among the individual capabilities of fine arts gifted student our special attention goes to the ones which an individual uses to assimilate his/her experience and reactions to it, to visual memory, manual skills and aesthetic intelligence. They all enable us to determine aesthetic va...

  17. Attitudes towards insurance: the role of propensity to hold liquid asset

    OpenAIRE

    Antonino Iero; Giorgio Tassinari

    2011-01-01

    There’s a lack of research on the relationship between families’ attitudes toward insurance and their financial behavior. The Italian insurance market appears weak with regard to non life and non motor insurance: Italy ranks only 18th in Europe in terms of the ratio between non life and non motor premiums and GDP. The propensity to subscribe to an insurance contract appears largely to depend on geographical area, qualification and job activity. Regardless of their wealth, families subscribing...

  18. 29 CFR 778.212 - Gifts, Christmas and special occasion bonuses.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 3 2010-07-01 2010-07-01 false Gifts, Christmas and special occasion bonuses. 778.212... COMPENSATION Payments That May Be Excluded From the âRegular Rateâ Bonuses § 778.212 Gifts, Christmas and... “regular rate” shall not be deemed to include “sums paid as gifts; payments in the nature of gifts made at...

  19. Higher Education as a Gift and as a Commons

    Directory of Open Access Journals (Sweden)

    Andreas Wittel

    2018-01-01

    Full Text Available This paper takes as a starting point Lewis Hyde’s (2007, xvi assertion that art is a gift and not a commodity: “Works of art exist simultaneously in two ‘economies’, a market economy and a gift economy. Only one of these is essential, however: a work of art can survive without a market, but where there is no gift there is no art.” I want to argue that the same claim should be made for those aspects of academic labour that refer to teaching and education. Education can survive without a market, but where there is no gift there is no education. However the gift that is part of all educational processes gets rather obscured in regimes where higher education is either a public good or a private good. In regimes of higher education as public good the gift gets obscured by the provision of a service by the state. In regimes of higher education as a private good (e.g. higher education in the UK the gift gets even more obscured, obviously so. It is only in a third educational regime, where education is a common good (e.g. the recent rise of the free universities, that the gift character of education can properly shine. Whilst this should be celebrated, the notion of a higher education commons poses some severe challenges. The paper ends with an examination of possibilities of academic activists to rescue or even strengthen the gift-like character of education.

  20. Biosamples as gifts? How participants in biobanking projects talk about donation.

    Science.gov (United States)

    Locock, Louise; Boylan, Anne-Marie R

    2016-08-01

    In the UK, altruism has featured explicitly as an underpinning principle for biobanking. However, conceptualizing donation as altruistic downplays the role of reciprocity and personal or family benefit. To investigate how biosample donors talk about their donation and whether they regard samples as 'gifts'. In this qualitative study, 21 people, both healthy volunteers and people with health conditions, who had been invited to give biosamples took part in semi-structured narrative interviews. The data were transcribed verbatim and thematically analysed. The term 'gift' was considered appropriate by some, but it also evoked puzzlement, especially in relation to 'waste' material (e.g. urine or tumour samples). Whilst 'giving' or 'donating' were commonly mentioned, the noun 'gift' signified something more special and deliberate. Analysis suggested biosamples could be interpreted as gifts in several different ways, including unreserved gift; reciprocal gift; collective gift; unwanted/low-value gift; and gift as an exaggeration. Although people describe a network of exchange consistent with anthropological understandings of gift relationships, lay (and biomedical) understandings of the term 'gift' may differ from anthropological definitions. For donors (and researchers), value is attached to the information derived from the sample, rather than the sample itself. Consequently, when asking people for biosamples, we should avoid using the term 'gift'. Acknowledging the value of participation and the information the sample holds may mean more to potential donors. © 2015 The Authors. Health Expectations Published by John Wiley & Sons Ltd.

  1. Directions of improving information system of insurance company

    Science.gov (United States)

    Kaigorodova, G. N.; Mustafina, A. A.; Alyakina, D. P.

    2018-05-01

    The article presents a study of the information technologies impact on the insurance industry development. At present, any business, especially business in the field of financial intermediation, can count on maintaining its positions only as a technology company. For the insurance business it is now especially important. Other segments of the financial market - the stock and credit market - are actively developing and applying IT-technologies. The insurance business at present is getting opportunities for a technological breakthrough. There is a growing demand for traditional insurance products - property insurance, motor insurance, health insurance. There is a rapidly growing demand for life insurance and insurance against cyber risks. To implement insurance protection in new conditions, the insurance company should actively use information systems. The article presents a possible variant of systematization of the insurer's business processes within the information system of the insurance company.

  2. Star Power: Providing for the Gifted & Talented. Module 10. Guidance and Counseling for the Gifted/Talented.

    Science.gov (United States)

    Heinemann, Alison; Mallis, Jackie

    The document presents Module 10, guidance and counseling for the gifted/talented, of the Star Power modules developed for school personnel who have an interest in or a need to explore the area of gifted and talented education. It is explained in an introductory section that the module can be used for independent study, for small group interaction,…

  3. Special Classes for Gifted Students? Absolutely!

    Science.gov (United States)

    Burton-Szabo, Sally

    1996-01-01

    This article makes a case for special classes for gifted students and answers objections to special classes raised by the middle school movement and the cooperative learning movement. A sample "Celebration of Me" unit taught to gifted seventh graders which involved poetry, literature, personal development, art, music, and physical fitness is…

  4. The notion of gift-giving and organ donation.

    Science.gov (United States)

    Gerrand, Nicole

    1994-04-01

    The analogy between gift-giving and organ donation was first suggested at the beginning of the transplantation era, when policy makers and legislators were promoting voluntary organ donation as the preferred procurement procedure. It was believed that the practice of gift-giving had some features which were also thought to be necessary to ensure that an organ procurement procedure would be morally acceptable, namely voluntarism and altruism. Twenty-five years later, the analogy between gift-giving and organ donation is still being made in the literature and used in organ donation awareness campaigns. In this paper I want to challenge this analogy. By examining a range of circumstances in which gift-giving occurs, I argue that the significant differences between the various types of gift-giving and organ donation makes any analogy between the two very general and superficial, and I suggest that a more appropriate analogy can be found elsewhere.

  5. Preferences and design in insurance and pensions

    DEFF Research Database (Denmark)

    Bruhn, Kenneth

    is on the relation between household preferences and the related optimal product design. Optimal decisions of a household are considered in continuous-time stochastic control theory models. Within a standard expected utility framework we investigate the eects of dierences between household members as well as tax......Life insurance and pension decisions are of the more important fnancial settlements to be decided in a household. In this thesis we investigate dfferent aspects of relevance for decision making within a household, especially focusing on life insurance and pension decisions. The focus......-effects. The focus is on the consumption, investment and life insurance demands. In another modeling framework, we modify the utility measurement and propose a combination of forward and backward looking preferences. At last, a model with very explicit preferences for stability in consumption is investigated and we...

  6. Visualization tools for insurance risk processes

    OpenAIRE

    Krzysztof Burnecki; Rafal Weron

    2006-01-01

    This chapter develops on risk processes which, perhaps, are most suitable for computer visualization of all insurance objects. At the same time, risk processes are basic instruments for any non-life actuary – they are vital for calculating the amount of loss that an insurance company may incur.

  7. The Impact of the Macroeconomic Environment on Insurance Companies

    OpenAIRE

    Čepeláková, Lenka

    2015-01-01

    i Abstract: This thesis assesses the impact of economic, institutional and demographic factors on the life and non-life gross written premiums of insurance companies. A dynamic panel data regression using the system generalized method of mo- ments is applied on data of 29 European countries collected by EIOPA covering the period from 2005 to 2013. The results reveal that economic and institutio- nal factors drive both life and non-life insurance industry. On the other hand, we cannot confirm ...

  8. Are Black Girls Not Gifted? Race, Gender, and Resilience

    Science.gov (United States)

    Evans-Winters, Venus E.

    2014-01-01

    Current research and theoretical models that address racial inequity or gender disparities in gifted education often overlook the underrepresentation of Black girls in gifted programs. Race-based conceptual frameworks and methodologies that focus on gifted education often fail to critically examine and interpret the multiple identities of Black…

  9. Our Gifted: Our Future. Proceedings of the Annual Northern Virginia Conference on Gifted/Talented Education (5th, Alexandria, VA, March 7-8, 1980).

    Science.gov (United States)

    Orloff, Jeffrey H., Ed.

    The document contains 13 selected papers from a conference on working with gifted students. Titles and authors include the following: "A Metacurriculum for the Future" (B. Hubbard); "Building a Curriculum to Train Leadership Abilities" (L. Addison); "Gifted Boys, Gifted Girls--What's the Difference" (B. Becker);…

  10. The influence of relationship beliefs on gift giving

    Directory of Open Access Journals (Sweden)

    Rai Dipankar

    2017-12-01

    Full Text Available People have fundamental beliefs about what constitutes a good relationship, known as implicit theories of relationship, where some people have destiny beliefs whereas others have growth beliefs. People with destiny beliefs believe that potential partners are meant either for each other or not, whereas people with growth beliefs believe that successful relationships are cultivated and developed. This research shows that different implicit theories of relationship influence consumers’ gift choice to their significant others. We demonstrate, through two studies, that consumers with destiny beliefs prefer giving gifts that are more feasible in nature, whereas consumers with growth beliefs prefer giving gifts that are more desirable in nature. We show that this effect is mediated by desirability-feasibility considerations. Specifically, consumers with destiny beliefs focus on feasibility considerations, which leads them to choose a highly feasible gift. Conversely, consumers with growth beliefs focus on desirability considerations, which leads them to choose a highly desirable gift. We also discuss the theoretical and managerial implications of our research.

  11. Why Are Economists Evaluating the Impact of Gifted Education?

    Science.gov (United States)

    Kettler, Todd

    2016-01-01

    Bui, Craig, and Imberman assessed the impact of gifted and talented programs on student achievement using regression discontinuity and random assignment to gifted magnet schools. In both analyses, they found minimal impact of the gifted and talented programs on student achievement. This commentary addresses two concerns associated with the study.…

  12. 22 CFR 1203.735-214 - Transmitting communications and gifts.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 2 2010-04-01 2010-04-01 true Transmitting communications and gifts. 1203.735....735-214 Transmitting communications and gifts. (a) Correspondence. In corresponding with anyone other... it to be clearly in the public interest to do so. (c) Gifts. An employee shall not act as an agent...

  13. Illuminating learner realities: Perceptions, expectations, and experiences of gifted underachievers in a secondary school classroom

    Science.gov (United States)

    Schultz, Robert Arthur

    This study examined how classroom climate affected the performance of students identified as gifted and labeled as underachievers in a secondary science classroom. The goal was to develop an understanding about the complex needs of gifted underachieving students by accessing their "voices" as participants in the education process. Lack of emphasis in the literature regarding gifted underachiever performance and classroom climate provided a need to examine these interactions. However, it was the lack of the gifted underachievers' voices---those with the most at stake in the education process---in the research literature that necessitated examination of their classroom experiences. Case Study methodology guided the theoretical context of the work---informed by phenomenological inquiry to explore learner contextual meaning. Five tenth grade students (4 boys, 1 girl) ranging from 15--17 years of age participated in this qualitative research study. Four frames emerged from the data illuminating participant classroom realities. These were: (a) schools exist to conform students to the educational system; (b) connection to life beyond school is lacking; (c) curriculum needs to engage student interests; and, (d) mutual respect, effort and empathy---caring---on the part of teachers and students needs to occur in the classroom. Analyses led to both pedagogical and research implications. These included: Pedagogical (1) identifying and engaging student interests can enhance gifted underachiever classroom performance; (2) development of communication and negotiation skills are necessary for trust development; (3) students should be included in all phases of curriculum development. Research (1) research in gifted education needs to include student voice as an interpretive frame for understanding learning; (2) peer nomination may be a viable means of identifying gifted underachievers; (3) trust must be negotiated between all participants to develop lucid understanding of classroom

  14. Gifted and Talented Students at Risk

    Science.gov (United States)

    Seeley, Ken

    2004-01-01

    The issue of underachievement among the gifted has captured the interest of educators sporadically over the past thirty years. In the most basic definition, an underachiever is a student who does not achieve in the academic areas at a level consistent with his or her capability. When underachievement is applied to the gifted, it becomes a more…

  15. Examining the Fears of Gifted Children

    Science.gov (United States)

    Tippey, Jacalyn G.; Burnham, Joy J.

    2009-01-01

    Few studies have considered the fears of gifted children. Using the American Fear Survey Schedule for Children (FSSC-AM; Burnham, 1995), a modified version of the Australian Fear Survey Schedule for Children-II (Gullone & King, 1992, 1993), this study focused on the fears of 287 gifted children ages 7-10. This study is a first step in…

  16. Sports That Work for Gifted Children

    Science.gov (United States)

    Lutostanski, Scott

    2018-01-01

    Finding an enjoyable, exciting, and engaging activity for gifted students can be a challenging balancing act. While parents want their children to become active and involved, they may face setbacks as they try to find the right fit, with some gifted children grappling with poor fine and gross motor abilities. While a high percentage of gifted…

  17. How to Develop Innovators? Innovation Education for the Gifted

    Science.gov (United States)

    Shavinina, Larisa

    2013-01-01

    Many people correctly believe that a majority of innovators come from the population of gifted and talented children. If we want to develop innovative abilities of the gifted, then a special, new direction in gifted education is needed: innovation education. This article introduces innovation education, which refers to a wide range of educational…

  18. 77 FR 70374 - Servicemembers' Group Life Insurance-Stillborn Child Coverage

    Science.gov (United States)

    2012-11-26

    ... is the biological mother of a stillborn and if both the surrogate and the stillborn's biological... the coverage of the child's SGLI-insured biological mother. This final rule will provide consistency... proceeds would be paid to the child's SGLI- insured mother. We provided a 60-day public-comment period...

  19. Enrichment Programs and Counselling at the Budapest Centre for the Gifted.

    Science.gov (United States)

    Herskovits, Maria

    2003-01-01

    This article discusses the development of gifted education in Hungary and the special counseling services for gifted children available at the Centre for the Gifted in Budapest. The Centre provides professional help from psychologists, counseling for choosing an appropriate school and/or supplementary programs for gifted children (ages 3-14), and…

  20. Insurance-growth nexus in Ghana: An autoregressive distributed lag bounds cointegration approach

    Directory of Open Access Journals (Sweden)

    Abdul Latif Alhassan

    2014-12-01

    Full Text Available This paper examines the long-run causal relationship between insurance penetration and economic growth in Ghana from 1990 to 2010. Using the autoregressive distributed lag (ARDL bounds approach to cointegration by Pesaran et al. (1996, 2001, the study finds a long-run positive relationship between insurance penetration and economic growth which implies that funds mobilized from insurance business have a long run impact on economic growth. A unidirectional causality was found to run from aggregate insurance penetration, life and non-life insurance penetration to economic growth to support the ‘supply-leading’ hypothesis. The findings have implications for insurance market development in Ghana.

  1. The impact of community-based health insurance on health-related quality of life and associated factors in Ethiopia: a comparative cross-sectional study.

    Science.gov (United States)

    Gebru, Teklemichael; Lentiro, Kifle

    2018-05-31

    Quality of life can be used to measure the effect of intervention on health related conditions. Health insurance contributes positive effect on availability of medical supplies and empowerment of women and children on financial healthcare. Therefore, the study was aimed to measure the impact of Community-Based Health Insurance on HRQoL and associated socio-demographic factors. A comparative community based cross-sectional study was employed. Data was collected by trained enumerators using World Health Organization QoL-BREF tool from a sample of 1964 (982 CBHI insured and 982 un-insured) household heads selected by probability proportional to size. A descriptive summery, simple and multiple linear regression analysis was applied to describe the functional predictors of HRQoL. The study was ethically approved by IRB of Wolkite University. The HRQoL score among CBHI insured family heads was 63.02 and 58.92 for un-insured family heads. The overall variation in HRQoL was explained due to; separated marital condition which reduced the HRQoL by 4.30% than those living together [ β  = - 0.044, 95% CI (- 5.67, - 0.10)], daily laborer decreased HRQoL by 7.50% [ β  = - 0.078, 95% CI (- 12.91, - 4.10)], but employment increased by 5.65% than farmers [ β  = 0.055, 95% CI (2.58, 17.59)]. QoL increased by 6.4 and 6.93% among primary and secondary level educated household heads than those household heads who could not read and write [ β  = 0.062, 95% CI (0.75, 4.31)] and [ β  = 0.067, 95% CI (1.84, 7.99)], respectively. As family size increased by one households' head, HRQoL decreased by 18.21% [ β  = - 0.201, 95% CI (- 2.55, - 1.63)], as wealth index increased by one unit, HRQoL decreased by 32.90% [ β  = - 0.306, 95% CI (- 5.15, - 3.86)] and QoL among CBHI insured household heads increased by 12.41% than those un-insured family heads [ β  = 0.117, 95% CI (2.98, 6.16)]. The study revealed that significant difference in

  2. Social emotional consequences of accelerating gifted students

    NARCIS (Netherlands)

    Hoogeveen, A.J.M.

    2008-01-01

    This dissertations reports four studies on the social-emotional effects of accelerating gifted students. The research concentrated on how and to what extent educational programs, in interaction with environmental and personal factors, influence the functioning of gifted students, in the short and

  3. Gender-fair assessment of young gifted students' scientific thinking skills

    Science.gov (United States)

    Dori, Y. J.; Zohar, A.; Fischer-Shachor, D.; Kohan-Mass, J.; Carmi, M.

    2018-04-01

    This paper describes an Israeli national-level research examining the extent to which admissions of elementary school students to the gifted programmes based on standardised tests are gender-fair. In the research, the gifted students consisted of 275 boys, 128 girls, and additional 80 girls who were admitted to the gifted programme through affirmative action (AA). To assess these young students' scientific thinking skills, also referred to as science practices, open-ended questions of case-based questionnaires were developed. The investigated scientific thinking skills were question posing, explanation, graphing, inquiry, and metacognition. Analysis of the students' responses revealed that gifted girls who entered the programmes through AA performed at the same level as the other gifted students. We found significant differences between the three research groups in question posing and graphing skills. We suggest increasing gender-fairness by revising the standard national testing system to include case-based narratives followed by open-ended questions that assess gifted students' scientific thinking skills. This may diminish the gender inequity expressed by the different number of girls and boys accepted to the gifted programmes. We show that open-ended tools for analysing students' scientific thinking might better serve both research and practice by identifying gifted girls and boys equally well.

  4. Working with artistically gifted students

    OpenAIRE

    Dedukić, Sanja

    2014-01-01

    The thesis deals with the problem of detection, identification and the educational work of art gifted students. It is very important that these students are detected early and regarded as a separate group that has exceptional potential in the field of art and are thusly entitled to individualized adaptation within the primary education program. Namely, when working with gifted students, teachers are expected to utilize different forms of work in the classroom, which will encourage such studen...

  5. GIFT: an HEP project for file transfer

    International Nuclear Information System (INIS)

    Ferrer, M.L.; Mirabelli, G.; Valente, E.

    1986-01-01

    Started in autumn 1983, GIFT (General Internetwork File Transfer) is a collaboration among several HEP centers, including CERN, Frascati, Oslo, Oxford, RAL and Rome. The collaboration was initially set up with the aim of studying the feasibility of a software system to allow direct file exchange between computers which do not share a common Virtual File Protocol. After the completion of this first phase, an implementation phase started and, since March 1985, an experimental service based on this system has been running at CERN between DECnet, CERNET and the UK Coloured Book protocols. The authors present the motivations that, together with previous gateway experiences, led to the definition of GIFT specifications and to the implementation of the GIFT Kernel system. The position of GIFT in the overall development framework of the networking facilities needed by large international collaborations within the HEP community is explained. (Auth.)

  6. Worthless donations: male deception and female counter play in a nuptial gift-giving spider.

    Science.gov (United States)

    Albo, Maria J; Winther, Gudrun; Tuni, Cristina; Toft, Søren; Bilde, Trine

    2011-11-14

    In nuptial gift-giving species, benefits of acquiring a mate may select for male deception by donation of worthless gifts. We investigated the effect of worthless gifts on mating success in the spider Pisaura mirabilis. Males usually offer an insect prey wrapped in silk; however, worthless gifts containing inedible items are reported. We tested male mating success in the following experimental groups: protein enriched fly gift (PG), regular fly gift (FG), worthless gift (WG), or no gift (NG). Males that offered worthless gifts acquired similar mating success as males offering nutritional gifts, while males with no gift experienced reduced mating success. The results suggest that strong selection on the nuptial gift-giving trait facilitates male deception by donation of worthless gifts. Females terminated matings faster when males offered worthless donations; this demonstrate a cost of deception for the males as shorter matings lead to reduced sperm transfer and thus give the deceiving males a disadvantage in sperm competition. We propose that the gift wrapping trait allows males to exploit female foraging preference by disguising the gift content thus deceiving females into mating without acquiring direct benefits. Female preference for a genuine prey gift combined with control over mating duration, however, counteracts the male deception.

  7. 26 CFR 20.2012-1 - Credit for gift tax.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Credit for gift tax. 20.2012-1 Section 20.2012... TAXES ESTATE TAX; ESTATES OF DECEDENTS DYING AFTER AUGUST 16, 1954 Credits Against Tax § 20.2012-1 Credit for gift tax. (a) In general. With respect to gifts made before 1977, a credit is allowed under...

  8. Generalized Intelligent Framework for Tutoring (GIFT) Cloud/Virtual Open Campus Quick-Start Guide

    Science.gov (United States)

    2016-03-01

    The GIFT Account allows users to log into GIFT Cloud , manage their personal storage in GIFT Cloud , download GIFT Local, and access resources...ARL-CR-0796 ● MAR 2016 US Army Research Laboratory Generalized Intelligent Framework for Tutoring (GIFT) Cloud / Virtual Open...originator. ARL-CR-0796 ● MAR 2016 US Army Research Laboratory Generalized Intelligent Framework for Tutoring (GIFT) Cloud / Virtual

  9. Oestrogen supplementation in gamete intrafallopian transfer (GIFT ...

    African Journals Online (AJOL)

    Enrique

    2005-02-06

    Feb 6, 2005 ... intrafallopian transfer (GIFT) — a prospective randomised study. ARTICLE. Objective. To investigate the impact of oestrogen supplementation from the early luteal to the late proliferative phase on biochemical and ongoing pregnancy rates in gamete intrafallopian transfer (GIFT). Methods. Ninety-five ...

  10. Evaluation of the harmonization process of the Czech insurance market with the single insurance market of the EU

    Directory of Open Access Journals (Sweden)

    Viktória Čejková

    2004-01-01

    Full Text Available For the Czech insurance industry, it has been 13 years since the passage of the Insurance Act in 1991, which did away with the monopoly and allowed competition in this business sector. In our evaluation, we can state that the positives outweigh the negatives. A relatively high pace of growth in total premiums written was achieved and the ratio of premiums written to GDP increased, up to 4,0% in 2002. In comparison with EU countries, the Czech insurance market is behind in 2 global indicators: the ratio of premiums written to GDP and the share of life insurance in total premiums written. The Czech insurance market must count on greater competition from foreign insurance companies, as the Czech Republic was May 1, 2004, accepted as a member of the European Union.

  11. Teaching English Activities for the Gifted And Talented Students

    Directory of Open Access Journals (Sweden)

    Cigdem CELIK-SAHIN

    2014-06-01

    Full Text Available This paper reviews the literature and recommends activities that can be used to teach English to gifted and talented students. It includes the responsibilities that teachers of the gifted and talented have in teaching the English language. Strategies for teaching the language in a natural and flowing way to increase intake and usage are also presented. Also discussed are the pressures on gifted and talented students when they are learning a new subject such as the English language and how these pressures occur because of beliefs about giftedness and how gifted learners learn. Teachers need to also be aware of the linguistic and cultural backgrounds of their students. This information can be used to help students speak English more naturally during informal talks/discussions in class about their different lifestyles and/or cultural features. The special and different learning characteristics of gifted students are important for their teachers to know. Teachers of gifted students should then use that knowledge when they differentiate curriculum. To be a teacher of these special children means being open to ongoing professional development and always focusing on the learner rather than the learning. Finally, the teachers of the gifted need to shift their approaches in order to become counsellors and guides more than instructors and directors of learning.

  12. Hanna David`s Book: The Gifted Arab Child In Israel

    Directory of Open Access Journals (Sweden)

    Emre KOMEK

    2014-06-01

    Full Text Available In this article, it was examined Hanna David’s Book: The Gifted Arab Child in Israel. The book focuses on Arab gifted children living in Israel. In Israel three Arab groups are living: Muslim, Christian and Druze. This book contains 7 sections. First Section: A Brief History of Education of Arabs In The State of Israel, Second Section: Characteristics of the Arab Gifted Child in Israel, Third Section: Education of the Arab Gifted Child, Fourth Section: Enrichment Programs for the Gifted in the Arab Sector, Fifth section: Description of Various Kinds of Enrichment Program for the Arab Sector, Sixth section: A Minority within a Minority: Gifted Students in the Christian, Druze and Bedouin Sectors, Seventh Section: The talented Arab Girl: Between Tradition and Modernism. In this book, author gives some suggestions to reveal potential of Arab girls. Some of them are; family support, financial aid etc.

  13. Nuclear energy and insurance

    International Nuclear Information System (INIS)

    Dow, J.C.

    1989-01-01

    It was the risk of contamination of ships from the Pacific atmospheric atomic bomb tests in the 1940's that seems first to have set insurers thinking that a limited amount of cover would be a practical possibility if not a commercially-attractive proposition. One Chapter of this book traces the early, hesitant steps towards the evolution of ''nuclear insurance'', as it is usually called; a term of convenience rather than exactitude because it seems to suggest an entirely new branch of insurance with a status of its own like that of Marine, Life or Motor insurance. Insurance in the field of nuclear energy is more correctly regarded as the application of the usual, well-established forms of cover to unusual kinds of industrial plant, materials and liabilities, characterised by the peculiar dangers of radioactivity which have no parallel among the common hazards of industry and commerce. It had, and still has, the feature that individual insurance underwriters are none too keen to look upon nuclear risks as a potential source of good business and profit. Only by joining together in Syndicates or Pools have the members of the national insurance markets been able to make proper provision for nuclear risks; only by close international collaboration among the national Pools have the insurers of the world been able to assemble adequate capacity - though still, even after thirty years, not sufficient to provide complete coverage for a large nuclear installation. (author)

  14. Sibling Relationships among Eilat Families with at Least One Gifted Child

    Science.gov (United States)

    David, Hanna; Gil, Mali; Raviv, Idit

    2009-01-01

    A most common belief is that giftedness is the cause of problems in sibling relationships when the family is "mixed", has at least one gifted child, and at least one non-gifted one. This belief has been accepted not only by parents and educators of the gifted, but also by researchers in the area of gifted education in general and…

  15. Promoting business with corporate gifts: major issues and empirical evidence

    OpenAIRE

    Fan, Y

    2006-01-01

    Corporate gifts are an important tool in the marketing communication mix. This paper is divided into two parts. It first reviews the literature of corporate gifts and incentives, focusing on major issues in the use of corporate gifts: marketing issues, practical considerations, and ethical and cultural concerns. In the second part, it presents a survey in the UK airline industry. Corporate gifts are found to be used mainly as a means of enhancing corporate image and creating goodwill. They ar...

  16. Student-Created Public Relations for Gifted Education.

    Science.gov (United States)

    Bisland, Amy

    2003-01-01

    This article discusses the benefits of student participation in a gifted public relations campaign, including creating public support for gifted programming and developing leadership skills. Steps for developing a formal unit of instruction on public relations are described, along with ideas for public relations activities. (Contains references.)…

  17. Depression In Gifted Intelligence As Compared With Normal Persons

    Directory of Open Access Journals (Sweden)

    Raeisi F

    2004-08-01

    Full Text Available Background: Depression is a common problem and reduces function of persons. Evaluation of this matter in Gifted Intelligence– because superior their beneficial ness– have more importance. Our aim in this study is to determine relative frequency of depression in Gifted Intelligence as compared with Normal persons. Materials and Methods: In the context of a case – control study 90 Normal volunteers and 56 very superior volunteers – aged between 20 and 30 years, so that matched in respect of gender – were investigated by Beck Depression Inventory. IQ identification was performed by both Wechsler Adult Intelligence scaling and Ravens progressive Matrices. Results: out of 90 Normal persons, 36 were depressed (40% and among 56 Gifted Intelligence, 35 were depressed. (62.5% In other words relative frequency of depression in Gifted Intelligence– with significant differences– is more.(P<0.05. Conclusion: Although Gifted Intelligence have more ability in opposition to stress- because higher level of IQ-but in this study was observed that prevalence of depression in Gifted Intelligence is more. This finding may be by reason of higher perception of them and the result of it– actually– more meeting of stress.

  18. A Comparison of a Gifted Education Program among Eighth Grade Gifted Students at a Georgia Junior High School

    Science.gov (United States)

    Harden, Jerry Clark

    2012-01-01

    The purpose of this study was to investigate the relationships that may exist among mean scores on the math and reading portions of the Iowa Test of Basic Skills (ITBS) of eighth grade gifted students of different gender, race, and socioeconomic status. Significant changes have been made to Georgia's gifted identification procedures over the last…

  19. Insurance risk with variable number of policies

    NARCIS (Netherlands)

    Adan, I.J.B.F.; Kulkarni, V.G.

    2008-01-01

    In this article we consider an insurance company selling life insurance policies. New policies are sold at random points in time, and each policy stays active for an exponential amount of time with rate µ, during which the policyholder pays premiums continuously at rate r. When the policy expires,

  20. Examining of the Gifted Students’ Teacher Preferences

    Directory of Open Access Journals (Sweden)

    Feyzullah SAHIN

    2015-01-01

    Full Text Available Gifted students differ from their peers in terms of motivations, learning, social and emotional needs. Because of these differences, it is indispensible that their teachers have to have a number of different characteristics. Because, teachers’ personality tratis and professional qualifications affects gifted students’ academic, cognitive and affective development. The main aim of this study is to examine that whether gifted students’ preferences of characteristics that teachers should have, differs according to type of educational institution, student's gender and level of meeting their educational needs or not. The study was designed as descriptive, one of the survey models. The study group consists of 1077 gifted students who are enrolled at five Science High School state schools, a private gifted school and three Science and Art Centers in Thracia Region in Turkey. As a means of data collection, Gifted Students’ Teacher Preferences Scale (GSTPS developed by Sahin & Tortop (2013 was used. In the calculation of internal consistency reliability of research data, Cronbach's α value was calculated. Cronbach alfa realibity cofficients were found to be .92 for Personality Traits sub-scale, .89 Professional Qualification sub-scale and .94 GSTPS, respectively. Besides, it was seen that based on the gender of participants, there was no difference in the characteristics they want to see in teachers and the opinions of students in High Schools and at SACs differed from the ones who were in the private school. Moreover, it was determined that the scores of the ones who thought the schools met their educational needs fully and the ones who thought the schools met their educational needs partially varied significantly.

  1. Gift-Giving in the Podiatric Medical Student-Patient Relationship.

    Science.gov (United States)

    López, Daniel López; Pazo, Paula Torreiro; Iglesias, Marta E Losa; de Bengoa Vallejo, Ricardo Becerro

    2016-09-02

    We sought to explore the relationship between the podiatric medical student and the patient as it relates to the act of gift-giving as a sign of gratefulness for the services provided. This article presents the clinical case of a man who visited a podiatric medical student because of pain in his feet and subsequently presented the student with several gifts. Philanthropy, empathy, a positive attitude, treatment instructions, and the time devoted to the patient are some of the reasons why patients offer gifts to podiatric medical students. The relationship between the podiatric medical student and the patient and the act of gift-giving by patients are of ethical concern.

  2. The Challenge of Providing Gifted Education

    Directory of Open Access Journals (Sweden)

    Sharon Dole

    2017-04-01

    Full Text Available Introduction to Volume 4, No of Global Education Review Although there is a lack of universal consensus on a definition of giftedness there is some agreement that giftedness involves multiple qualities, not just intellectual ones. Gifted education programs vary both among and within countries and who is served in these programs depends largely on the definitions used. The topics explored in this issue include perceptions and policies of gifted education in cultures and countries across the globe; the presumed dichotomy of equity and excellence in countries as different in ideologies as the United States and China; underrepresentation of culturally diverse students, a problem that has plagued the field for decades; gifted education in rural communities; and using a virtual environment for students to pose and share mathematical problems.

  3. Insurance market penetration and economic growth in Eurozone countries: Time series evidence on causality

    Directory of Open Access Journals (Sweden)

    Saurav Dash

    2018-06-01

    Full Text Available This paper examines the causal relationship between insurance market penetration and per capita economic growth in 19 Eurozone countries for the period 1980–2014. We use three different indicators of insurance market penetration (IMP, namely life insurance penetration, non-life insurance penetration, and total (both life and non-life insurance penetration. We particularly emphasize on whether Granger causality exists between these variables both ways, one way, or not at all. Our empirical results perceive both unidirectional and bidirectional causality between IMP and per capita economic growth. However, these results are mostly non-uniform across the Eurozone countries during this selected period. The policy implication is that the economic policies should recognize the differences in the insurance market and per capita economic growth in order to maintain sustainable growth in the Eurozone. Keywords: IMP, Per capita economic growth, Granger causality, Eurozone countries, JEL codes: L96, O32, O33, O43

  4. 31 CFR 0.203 - Gifts or gratuities from foreign governments.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Gifts or gratuities from foreign... DEPARTMENT OF THE TREASURY EMPLOYEE RULES OF CONDUCT Rules of Conduct § 0.203 Gifts or gratuities from foreign governments. (a) The United States Constitution prohibits employees from accepting gifts...

  5. The Possibilities and Limitations of Gifted Education in Korea: A Look at the ISEP Science-Gifted Education Center

    Science.gov (United States)

    Han, Ki-Soon

    2007-01-01

    Education for gifted children is currently one of the hottest educational issues in Korea. Much money and effort are being invested in this area of education. Recent announcements by the Korean Ministry of Education state that all children should be educated to the level of which they are capable, and the current program for gifted students should…

  6. Star Power: Providing for the Gifted & Talented. Module 4. Applications of Theories of Creativity to the Gifted/Talented.

    Science.gov (United States)

    Heinemann, Alison; Mallis, Jackie

    The document presents Module 4, applications of theories of creativity to the gifted/talented, of the Star Power modules developed for school personnel who have an interest in or a need to explore the area of gifted and talented education. It is explained in an introductory section that the modules can be used for independent study, for small…

  7. Star Power: Providing for the Gifted & Talented. Module 3. Applications of Theories of Intelligence to the Gifted/Talented.

    Science.gov (United States)

    Heinemann, Alison; Mallis, Jackie

    The document presents Module 3, applications of theories of intelligence to the gifted/talented, of the Star Power modules developed for school personnel who have an interest in or a need to explore the area of gifted and talented education. It is explained in an introductory section that the modules can be used for independent study, for small…

  8. HOW AFFECTED WAS WORLD INSURANCE MARKET BY GLOBAL CRISIS?

    Directory of Open Access Journals (Sweden)

    ANA PREDA

    2013-12-01

    Full Text Available Global economic and financial crisis triggered in 2008 had a significant impact with effects in economical life worldwide. Insurance industry wasn't spared but was less affected than other sectors of the world economy. The aim of the present paper is to underline the main crisis effects on global insurance market through a comparative study between different regions from the world, taking into consideration the main indicators which give us an insurance market dimension, such as: gross premium volume, insurance density and insurance penetration.

  9. Equity in Cross-Cultural Gifted Screening from a Philippine Perspective

    Science.gov (United States)

    Vista, Alvin

    2015-01-01

    This paper discusses issues on cross-cultural gifted screening from a Philippine perspective. Research on gifted education in the Philippines, and Southeast Asia in general, is still nascent. The main focus of this review of literature is on equity of the gifted education screening process across wide socioeconomic, cultural, and linguistic…

  10. 26 CFR 1.356-5 - Transactions involving gift or compensation.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 4 2010-04-01 2010-04-01 false Transactions involving gift or compensation. 1... involving gift or compensation. With respect to transactions described in sections 354, 355, or 356, but which— (a) Result in a gift, see section 2501 and following, and the regulations pertaining thereto, or...

  11. 33 CFR 17.05-5 - Acceptance and disbursement of gifts.

    Science.gov (United States)

    2010-07-01

    ... gifts. 17.05-5 Section 17.05-5 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY GENERAL UNITED STATES COAST GUARD GENERAL GIFT FUND Administration § 17.05-5 Acceptance and disbursement of gifts. (a) The immediate receiving person shall give a proper receipt on the proper form used...

  12. STRUCTURE AND TRENDS OF THE INSURANCE SECTOR IN ROMANIA

    Directory of Open Access Journals (Sweden)

    MIRELA MONEA

    2015-12-01

    Full Text Available The aim of the paper is to present the structure of the insurance sector from Romanian economy and the main trends in this sector in last years, based on the most important aspects such as share of foreign capital in this sector, gross written premiums, and indemnity payments, both from life and general insurance, density and penetration degree of the insurance activity, the results registered by the insurance companies

  13. Gifts and corporate influence in doctor of pharmacy education.

    Science.gov (United States)

    Piascik, Peggy; Bernard, Daphne; Madhavan, Suresh; Sorensen, Todd D; Stoner, Steve C; TenHoeve, Tom

    2007-08-15

    To explore the nature of corporate gifts directed at PharmD programs and pharmacy student activities and the perceptions of administrators about the potential influences of such gifts. A verbally administered survey of administrative officials at 11 US colleges and schools of pharmacy was conducted and responses were analyzed. All respondents indicated accepting corporate gifts or sponsorships for student-related activities in the form of money, grants, scholarships, meals, trinkets, and support for special events, and cited many advantages to corporate partner relationships. Approximately half of the respondents believed that real or potential problems could occur from accepting corporate gifts. Forty-four percent of respondents agreed or strongly agreed that corporate contributions could influence college or school administration. Sixty-one percent agreed or strongly agreed that donations were likely to influence students. Corporate gifts do influence college and school of administration and students. Policies should be in place to manage this influence appropriately.

  14. Beijing Model of Gifted Education and Talent Development

    DEFF Research Database (Denmark)

    Fang, Zhongxiong; Zhang, Yi; Du, Xiangyun

    In China, talent development has been one of the key points in national plans for the development of science and technology, education, and other areas over the last three decades and is especially emphasized in the national outline for medium- and long-term educational reform and development....... Beijing is the leading city in educational reform, especially in the area of gifted education in mainland China. Over the past 35 years, through constant exploration and research, a comprehensive gifted education system called the Beijing Model of Gifted Education and Talent Development (BMGETD) has...... gradually been developed. This book is a summary of the educational practices used in and research done on the BMGETD over the decades. These include several patterns for gifted education, such as acceleration in special classes, special classes without acceleration, enrichment within regular classes...

  15. Multi-Objective Stochastic Optimization Programs for a Non-Life Insurance Company under Solvency Constraints

    Directory of Open Access Journals (Sweden)

    Massimiliano Kaucic

    2015-09-01

    Full Text Available In the paper, we introduce a multi-objective scenario-based optimization approach for chance-constrained portfolio selection problems. More specifically, a modified version of the normal constraint method is implemented with a global solver in order to generate a dotted approximation of the Pareto frontier for bi- and tri-objective programming problems. Numerical experiments are carried out on a set of portfolios to be optimized for an EU-based non-life insurance company. Both performance indicators and risk measures are managed as objectives. Results show that this procedure is effective and readily applicable to achieve suitable risk-reward tradeoff analysis.

  16. Self-Esteem of Gifted, Normal, and Mild Mentally Handicapped Children.

    Science.gov (United States)

    Chiu, Lian-Hwang

    1990-01-01

    Administered Coopersmith Self-Esteem Inventory (SEI) Form B to elementary school students (N=450) identified as gifted, normal, and mild mentally handicapped (MiMH). Results indicated that both the gifted and normal children had significantly higher self-esteem than did the MiMH children, but there were no differences between gifted and normal…

  17. Social Networks and Externalities from Gift Exchange: Evidence from A Field Experiment.

    Science.gov (United States)

    Currie, Janet; Lin, Wanchuan; Meng, Juanjuan

    2013-11-01

    This paper asks whether gift exchange generates externalities for people outside of the bilateral relationship between the gift giver and recipient, and whether the nature of this relationship is affected by social networks. We examine this question in the context of a field experiment in urban Chinese hospital outpatient clinics. We first show that when patients give a small gift, doctors reciprocate with better service and a fewer unnecessary prescriptions of antibiotics. We then show that gift giving creates externalities for third parties. If two patients, A and B are perceived as unrelated, B receives worse care when A gives a gift. However, if A identifies B as a friend, then both A and B benefit from A's gift giving. Hence, we show that gift giving can create positive or negative externalities, depending on the giver's social distance to the third party.

  18. Nonparametric Fine Tuning of Mixtures: Application to Non-Life Insurance Claims Distribution Estimation

    Science.gov (United States)

    Sardet, Laure; Patilea, Valentin

    When pricing a specific insurance premium, actuary needs to evaluate the claims cost distribution for the warranty. Traditional actuarial methods use parametric specifications to model claims distribution, like lognormal, Weibull and Pareto laws. Mixtures of such distributions allow to improve the flexibility of the parametric approach and seem to be quite well-adapted to capture the skewness, the long tails as well as the unobserved heterogeneity among the claims. In this paper, instead of looking for a finely tuned mixture with many components, we choose a parsimonious mixture modeling, typically a two or three-component mixture. Next, we use the mixture cumulative distribution function (CDF) to transform data into the unit interval where we apply a beta-kernel smoothing procedure. A bandwidth rule adapted to our methodology is proposed. Finally, the beta-kernel density estimate is back-transformed to recover an estimate of the original claims density. The beta-kernel smoothing provides an automatic fine-tuning of the parsimonious mixture and thus avoids inference in more complex mixture models with many parameters. We investigate the empirical performance of the new method in the estimation of the quantiles with simulated nonnegative data and the quantiles of the individual claims distribution in a non-life insurance application.

  19. Education of Gifted Students with Virtual Physics Laboratory: Buoyancy Force Topic

    Directory of Open Access Journals (Sweden)

    Necati HIRCA

    2013-06-01

    Full Text Available Project-based learning approach is recommended for science education of gifted students for their independent learning will and they can intensify their attention on any issue for along time. In this study, the steps of the experiment buoyancy of liquids has been explained with the help of Algodoo Programme a learning environment in which gifted students test their hypotheses and can learn the concepts of physics with their own experiences. This study is tought to be used as a guidance material in the education of gifted students in Science and Art Centers in Turkey. Teachers in Science and Art Center (or who educate gifted students are generally inexperienced in the education of gifted students. Another problem of these teachers is the lack of adequate materials that the teachers use in the education of gifted students.

  20. How consumers respond to the behavior of missing a free gift promotion: inaction inertia effect on products offered as free gifts.

    Science.gov (United States)

    Liu, Tsung-Chi; Cheng, Ti; Ni, Feng-Yu

    2011-01-01

    Inaction inertia describes the phenomenon that an individual is unlikely to act on an attractive opportunity after having bypassed an even more attractive one. The results of two experiments indicate that after missing an initial opportunity to obtain a product as a free gift during a promotional period, the inaction inertia effect reduces the likelihood of consumers buying the product at a discounted price (second, inferior opportunity), particularly if the free gift has a high regular price. Additionally, according to the results of Experiment 2, those consumers are less likely to buy a product that has been offered previously as a free gift when a greater total quantity of the free gift is offered during a promotional period. Moreover, the mediation analysis results indicate that anticipated regret and valuation significantly impact the mediating role of inaction inertia.

  1. Gifted Male Readers: Current Understandings and Suggestions for Future Research

    Science.gov (United States)

    Pagnani, Alexander R.

    2013-01-01

    Research literature concerning gifted male readers relies primarily on more extensive bodies of work regarding gifted males and male readers. Studied as a whole, the two halves portray a worrisome state of affairs for gifted male readers, who lag behind their female counterparts in the same patterns found across the ability spectrum. This literacy…

  2. 26 CFR 1.274-3 - Disallowance of deduction for gifts.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 3 2010-04-01 2010-04-01 false Disallowance of deduction for gifts. 1.274-3... TAX (CONTINUED) INCOME TAXES Items Not Deductible § 1.274-3 Disallowance of deduction for gifts. (a) In general. No deduction shall be allowed under section 162 or 212 for any expense for a gift made...

  3. Mating promotes lactic-acid gut bacteria in a gift-giving insect

    OpenAIRE

    Smith, Chad; Mueller, Ulrich; Dietrich, Emma; Smith, C.; Srygley, R.; Dietrich, E.; Mueller, U.; Srygley, Robert

    2016-01-01

    Mating is a ubiquitous social interaction with the potential to influence the microbiome by facilitating transmission, modifying host physiology, and in species where males donate nuptial gifts to females, altering diet. We manipulated mating and nuptial gift consumption in two insects that differ in nuptial gift size, the Mormon cricket Anabrus simplex and the decorated cricket Gryllodes sigillatus, with the expectation that larger gifts are more likely to affect the gut microbiome. Surprisi...

  4. The incidence of histological chorioamnionitis in IVF/GIFT preterm births.

    Science.gov (United States)

    Williams, H; Jeffery, H

    1994-08-01

    A retrospective case control study was designed to investigate the role of subclinical infection as a risk factor for the high rate of preterm deliveries in IVF/GIFT pregnancies. The cases and the controls were identified from the records of consecutive livebirths of preclampsia and antepartum haemorrhage. As a marker of subclinical infection, the incidence of histological chorioamnionitis (HCA) in the 2 groups (as defined by the standardized, semiquantitative method of Benirschke) was compared. The matched variables did not differ significantly between the IVF/GIFT group and the control group. No significant difference in the incidence of HCA was detected between IVF/GIFT and control groups for singletons or twins. Overall 24% of IVF/GIFT and 30% of controls showed evidence of HCA, odds ratio (95% confidence intervals), 0.72 (0.40-1.31). This study showed no evidence that the incidence of HCA, is significantly increased in IVF/GIFT preterm births compared with other matched, preterm births. Therefore, we conclude that subclinical infection/inflammation cannot explain the 4-fold increase in preterm births in the IVF/GIFT population.

  5. All-Cause Mortality for Diabetics or Individuals with Hyperglycemia Applying for Life Insurance.

    Science.gov (United States)

    Freitas, Stephen A; MacKenzie, Ross; Wylde, David N; Roudebush, Bradley T; Bergstrom, Richard L; Holowaty, J Carl; Hart, Anna; Rigatti, Steven J; Gill, Stacy J

    2016-01-01

    Diabetics and individuals with lab results consistent with a diagnosis of diabetes or hyperglycemia were extracted from data covering US residents who applied for life insurance between January 2007 and January 2014. Information about these applicants was matched to the Social Security Death Master File (SSDMF) and another commercially available death source file to determine vital status. Due to the inconsistencies of reporting within the death files, there were two cohorts of death cases, one including the imputed year of birth (full cohort of deaths), and the second where the date of birth was known (reduced cohort of deaths). The study had approximately 8.5 million person-years of exposure. Actual to expected (A/E) mortality ratios were calculated using the Society of Actuaries 2008 Valuation Basic Table (2008VBT) select table, age last birthday and the 2010 US population as expected mortality rates. With the 2008VBT as an expected basis, the overall A/E mortality ratio was 3.15 for the full cohort of deaths and 2.56 for the reduced cohort of deaths. Using the US population as the expected basis, the overall A/E mortality ratio was 0.98 for the full cohort of deaths and 0.79 for the reduced cohort. Since there was no smoking status information in this study, all expected bases were not smoker distinct. A/E mortality ratios varied by disease treatment category and were considerably higher in individuals using insulin. A/E mortality ratios decreased with increasing age and took on a J-shaped distribution with increasing BMI (Body Mass Index). The lowest mortality ratios were observed for overweight and obese individuals. The A/E mortality ratio based on the 2008VBT decreased with the increase in applicant duration, which was defined as the time since initial life insurance application.

  6. Markov chain modeling of policyholder behavior in life insurance and pension

    DEFF Research Database (Denmark)

    Henriksen, Lars Frederik Brandt; Nielsen, Jeppe Woetmann; Steffensen, Mogens

    2014-01-01

    We calculate reserves regarding expected policyholder behavior. The behavior is modeled to occur incidentally similarly to insurance risk. The focus is on multi-state modelling of insurance risk and behavioral risk in terms of free policy risk and surrender risk. We discuss valuation techniques i...

  7. [Quantified self movement--the new mantra of life insurance companies].

    Science.gov (United States)

    Becher, St

    2016-06-01

    Wearables are small personal minicomputers that register biometric data. In such a way, the insurance industry hopes to create new sales opportunities and products, and simplify underwriting. Lower premiums will promote the use of wearables. The related possibilities and unanswered questions are discussed in this article. Utilisation of big data offers the insurance industry a range of new opportunities. The benefit must be proven in the future, however.

  8. 22 CFR 64.10 - Grant not to constitute a gift.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Grant not to constitute a gift. 64.10 Section... EMPLOYEES IN CULTURAL EXCHANGE PROGRAMS OF FOREIGN COUNTRIES § 64.10 Grant not to constitute a gift. A grant made under an approved program shall not constitute a gift for purposes of 22 CFR 10.735-203 and...

  9. 25 CFR 152.23 - Applications for sale, exchange or gift.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Applications for sale, exchange or gift. 152.23 Section..., Exchanges and Conveyances of Trust Or Restricted Lands § 152.23 Applications for sale, exchange or gift. Applications for the sale, exchange or gift of trust or restricted land shall be filed in the form approved by...

  10. Determining and Analyzing Public Support for Gifted Education.

    Science.gov (United States)

    Karnes, Frances A.; Riley, Tracy L.

    1997-01-01

    Statewide support for gifted education was assessed through a public opinion telephone survey with 400 respondents in one state. Results indicated general support for specialized programs, except residential schools, for gifted children. Appropriate public relations strategies utilizing such survey results are suggested. (DB)

  11. The Use of "Harry Potter and the Sorcerer's Stone" to Discuss Identity Development With Gifted Adolescents

    Science.gov (United States)

    Frank, Andrew J.; McBee, Matthew T.

    2003-01-01

    This article examines the process of identity development in gifted adolescents and provides a theoretical and research-based explanation of its importance for influencing achievement and quality of life in adulthood. Teachers, counselors, and parents can use "Harry Potter and the Sorcerer's Stone" (Rowling, 1997) as a springboard into discussion…

  12. 34 CFR 106.39 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 1 2010-07-01 2010-07-01 false Health and insurance benefits and services. 106.39... Prohibited § 106.39 Health and insurance benefits and services. In providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not...

  13. 44 CFR 19.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Health and insurance benefits... Education Programs or Activities Prohibited § 19.440 Health and insurance benefits and services. Subject to § 19.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or...

  14. 10 CFR 1042.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Health and insurance benefits and services. 1042.440... in Education Programs or Activities Prohibited § 1042.440 Health and insurance benefits and services. Subject to § 1042.235(d), in providing a medical, hospital, accident, or life insurance benefit, service...

  15. 45 CFR 86.39 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Health and insurance benefits and services. 86.39... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 86.39 Health and insurance benefits and services. In providing a medical, hospital, accident, or life insurance benefit, service...

  16. Social Networks and Externalities from Gift Exchange: Evidence from A Field Experiment☆

    Science.gov (United States)

    Currie, Janet; Lin, Wanchuan; Meng, Juanjuan

    2016-01-01

    This paper asks whether gift exchange generates externalities for people outside of the bilateral relationship between the gift giver and recipient, and whether the nature of this relationship is affected by social networks. We examine this question in the context of a field experiment in urban Chinese hospital outpatient clinics. We first show that when patients give a small gift, doctors reciprocate with better service and a fewer unnecessary prescriptions of antibiotics. We then show that gift giving creates externalities for third parties. If two patients, A and B are perceived as unrelated, B receives worse care when A gives a gift. However, if A identifies B as a friend, then both A and B benefit from A’s gift giving. Hence, we show that gift giving can create positive or negative externalities, depending on the giver’s social distance to the third party. PMID:26949272

  17. Distant education of gifted children in the USA

    Directory of Open Access Journals (Sweden)

    Rogozhkina I. B.

    2012-06-01

    Full Text Available Distant teaching which helps to realize the main principles of contemporary education: «teaching throughout» and «lifelong teaching» becomes more and more indemand. The possibility to get education for the residents of remote districts, excess to contemporary data bases, scientific libraries and learning materials of high quality, possibility to study at a time convenient for a student and in a tempo acceptable to the one makes distant education one of the most effective form of work with gifted children. System of distant education in the USA which is one of the most sophisticated one involves a big variety of programs and courses for both ordinary and gifted students. The article analyzes the existing in the USA on-line programs for gifted children, reveals their advantages and disadvantages, discusses the distant forms of work applicable to teaching of gifted children in Russia.

  18. An Examination of Articles in Gifted Education and Multicultural Education Journals

    Science.gov (United States)

    Chamberlin, Scott A.

    2008-01-01

    An analysis of gifted education and multicultural education journals was performed to identify the number of multicultural education articles in gifted education journals and the number of gifted education articles in multicultural education journals. Journals reviewed were "Multicultural Education", "Multicultural Perspectives," "Urban…

  19. The Gift Network: Dave Eggers and the Circulation of Second Editions

    Directory of Open Access Journals (Sweden)

    Jacqueline O’Dell

    2017-07-01

    Full Text Available This article argues for a view of the gift as an affective network and investigates how Dave Eggers’s practice of publishing second editions works to produce this network. Framing my discussion of the gift with Sara Ahmed’s work on affective economies, I suggest that the gift, like affect, is best understood as a surplus effect of circulation. I argue that Eggers negotiates the gift’s double bind by emphasizing the impossibility of identifying a “pure” gift or an authoritative “original” edition; his double editions show how the gift survives through the surplus values generated by their ongoing circulation. Eggers's symbolic and material gift network ultimately depends on the uncertainty and mystification emblematic of Eggers’s anxious aesthetic and mode of recirculation, adding to critical conversations that position Eggers’s aesthetic within movements of new sincerity or post-irony.

  20. An fMRI Study of Nonverbally Gifted Reading Disabled Adults: Has Deficit Compensation Effected Gifted Potential?

    Directory of Open Access Journals (Sweden)

    Jeffrey W Gilger

    2013-08-01

    Full Text Available Neuroscience has advanced our understanding of the neurological basis of reading disability. Yet, no functional imaging work has been reported on the twice-exceptional dyslexic: individuals exhibiting both nonverbal-giftedness and reading disability (RD. We compared groups of reading-disabled (RD, nonverbally-gifted (G, nonverbally-gifted-RD (GRD, and control (C adults on validated word-rhyming and spatial visualization fMRI tasks, and standardized psychometric tests, to ascertain if the neurological functioning of GRD subjects was similar to that of typical RD or G subjects, or perhaps some unique RD subtype. Results demonstrate that GRD adults resemble non-gifted reading disabled (RD adults in performance on paper-and-pencil reading, math and spatial tests, and in patterns of functional activation during rhyming and spatial processing. Data are consistent with what may be a shared etiology of reading disability and giftedness in GRD individuals that yields a lifespan interaction with reading compensation effects, modifying how their adult brain processes text and spatial stimuli.

  1. The gift in interaction: a study of 'picking-up the bill'.

    Science.gov (United States)

    Llewellyn, Nick

    2011-12-01

    This paper analyses the phenomenon of 'picking up the bill', thereby contributing to a resurgence of sociological interest in gift exchange. Drawing on ethnomethodology, it describes and locates a distinctive theoretical approach. Utilizing video recordings, the analysis considers the interactional constitution of gifts and how gift exchange is locally invoked via the norm of reciprocity. Recurrent practices are described, through which gifts are brought into being, with reciprocity invoked, by benefactor and beneficiary alike, to manage social problems of acceptance, rather than to sanction insufficient contributions. The study describes the social character of what are perhaps the preeminent gifts exchanged in modern societies; where one person pays for another's consumption. © London School of Economics and Political Science 2011.

  2. Parents vs. Theorists: Dealing with the Exceptionally Gifted.

    Science.gov (United States)

    Tolan, Stephanie S.

    1992-01-01

    This paper explores the fundamental rift between parents raising exceptionally gifted children and theorists who dismiss this population as "statistically insignificant." The role of intelligence tests in identifying the highly unusual mind is examined. The paper concludes that exceptionally gifted children are suffering intellectual…

  3. Gift politics : Exposure and surveillance in the anthropocene

    NARCIS (Netherlands)

    Schuilenburg, Marc; Peeters, Rik

    2017-01-01

    This article discusses the role of gift relations in the Anthropocene. We reinterpret Mauss’s original concept of the gift to understand its application and transformation in a social context that increasingly sees human behavior as a resource for the realization of governmental and corporate

  4. Career decision-making of the gifted and talented

    African Journals Online (AJOL)

    eleven gifted and talented high school students, studying in congregative gifted ... that all students have supports and guidance to promote successful ... The career or vocational counselling issues most discussed in the broader ... They suggest that the Theory of Work Adjustment (TWA; Dawis & ..... International handbook of.

  5. [Gift giving and the ethics of the caregiver].

    Science.gov (United States)

    Grassin, Marc

    2014-12-01

    Modern societies establish relationships on a contract basis, but the caregiver relationship invariably involves the notion of a gift. Caring engages the giving / receiving / giving back circle of reciprocity. The caregiving relationship requires a gift ethic which gives meaning to the nurse/patient contract.

  6. Insurance--a dental viewpoint. Part III: Life assurance, pensions and annuities.

    Science.gov (United States)

    Green, A G

    1994-09-10

    The insurance market is complex and there can be serious taxation implications in many decisions. The tax aspect may be beneficial to the dentist or it can have serious consequences. The advice of independent experts in accountancy and insurance is often vital if catastrophic pitfalls are to be avoided.

  7. 45 CFR 618.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 3 2010-10-01 2010-10-01 false Health and insurance benefits and services. 618....440 Health and insurance benefits and services. Subject to § 618.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient...

  8. 40 CFR 5.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Health and insurance benefits and... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 5.440 Health and insurance benefits and services. Subject to § 5.235(d), in providing a medical, hospital, accident, or life insurance...

  9. 38 CFR 23.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... Prohibited § 23.440 Health and insurance benefits and services. Subject to § 23.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Health and insurance...

  10. 36 CFR 1211.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Health and insurance benefits... Activities Prohibited § 1211.440 Health and insurance benefits and services. Subject to § 1211.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its...

  11. 10 CFR 5.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 1 2010-01-01 2010-01-01 false Health and insurance benefits and services. 5.440 Section... Education Programs or Activities Prohibited § 5.440 Health and insurance benefits and services. Subject to § 5.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or...

  12. 24 CFR 3.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Health and insurance benefits and... Activities Prohibited § 3.440 Health and insurance benefits and services. Subject to § 3.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its...

  13. 49 CFR 25.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Health and insurance benefits and services. 25.440... Basis of Sex in Education Programs or Activities Prohibited § 25.440 Health and insurance benefits and services. Subject to § 25.235(d), in providing a medical, hospital, accident, or life insurance benefit...

  14. 32 CFR 196.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 2 2010-07-01 2010-07-01 false Health and insurance benefits and services. 196... Activities Prohibited § 196.440 Health and insurance benefits and services. Subject to § 196.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its...

  15. 29 CFR 36.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Health and insurance benefits and services. 36.440 Section... Education Programs or Activities Prohibited § 36.440 Health and insurance benefits and services. Subject to § 36.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or...

  16. 13 CFR 113.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Health and insurance benefits and....440 Health and insurance benefits and services. Subject to § 113.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient...

  17. 45 CFR 2555.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Health and insurance benefits and services. 2555... Activities Prohibited § 2555.440 Health and insurance benefits and services. Subject to § 2555.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its...

  18. 26 CFR 20.7520-3 - Limitation on the application of section 7520.

    Science.gov (United States)

    2010-04-01

    ...); (2) Sections 72 and 101(b), relating to the income taxation of life insurance, endowment, and annuity... under section 6058; (7) Section 7872, relating to income and gift taxation of interest-free loans and... trust corpus is unrestricted, the exercise of the power could result in the termination of the income...

  19. Gifted and Talented Students’ Images of Scientists

    Directory of Open Access Journals (Sweden)

    Sezen Camcı-Erdoğan

    2013-06-01

    Full Text Available The purpose of this study was to investigate gifted students’ images of scientists. The study involved 25 students in grades 7 and 8. The Draw-a-Scientist Test (DAST (Chamber, 183 was used to collect data. Drawings were eval-uated using certain criterion such as a scien-tist’s appearance and investigation, knowledge and technology symbols and gender and working style, place work, expressions, titles-captions-symbols and alternative images and age. The results showed that gifted students’ perceptions about scientists were stereotypical, generally with glasses and laboratory coats and working with experiment tubes, beakers indoors and using books, technological tools and dominantly lonely males. Most gifted stu-dents drew male scientists. Although females drew male scientists, none of the boys drew female scientist.

  20. Social-Perspective Coordination and Gifted Adolescents' Friendship Quality

    Science.gov (United States)

    Masden, Catherine A.; Leung, Olivia N.; Shore, Bruce M.; Schneider, Barry H.; Udvari, Stephen J.

    2015-01-01

    This research examined links among academic ability, social-perspective coordination, and friendship quality, within the context of gifted adolescents' friendships. The sample consisted of 120 early adolescents (59 girls, 61 boys), 81 of whom were identified as gifted. Academic ability, sex, and grade significantly predicted social-perspective…

  1. 18 CFR 1317.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-04-01

    ... § 1317.440 Health and insurance benefits and services. Subject to § 1317.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient... 18 Conservation of Power and Water Resources 2 2010-04-01 2010-04-01 false Health and insurance...

  2. 10 CFR 1050.201 - Policy against accepting foreign gifts or decorations.

    Science.gov (United States)

    2010-01-01

    ... DECORATIONS Guidelines for Acceptance of Foreign Gifts or Decorations § 1050.201 Policy against accepting foreign gifts or decorations. (a) The Constitution of the United States, Article I, section 9, clause 8... 10 Energy 4 2010-01-01 2010-01-01 false Policy against accepting foreign gifts or decorations...

  3. Basic characteristics of livestock insurance in Serbia: With reference to the some elements of this type of insurance in some non-European and European countries

    Directory of Open Access Journals (Sweden)

    Čolović Vladimir

    2016-01-01

    Full Text Available The livestock insurance is a part of agricultural insurance. This type of insurance is also part of a non-life insurance. The livestock insurance is undeveloped in Serbia. In general, a very small number of farms (5% of total decided for the conclusion of livestock insurance contracts. This paper analyzes the basic characteristics of this type of insurance, and the authors pay attention to the implementation of this type of insurance in other countries. Special attention is paid to the livestock insurance in Mongolia, India, Mexico and Ireland who are defined livestock insurance programs that have contributed to a greater number of contracts concluded in this field. Also, the authors speaking about livestock insurance in some European countries. Finally, the authors criticize the way in which is regulated livestock insurance in Serbia, by proposing a series of measures that should be implemented by the insurance companies and state.

  4. Examining of Perceptions of Gifted Students toward Mathematics Concept

    Directory of Open Access Journals (Sweden)

    Mesut ÖZTÜRK

    2014-12-01

    Full Text Available The purpose of this study bring out owned intellectual image interested in mathematics concept of gifted students. Participant of twenty-eight gifted students that they selected via WISC-R intelligent test. A phenomenology design that one of qualitative research methods was adopted and data collection focus group interview. Data analysis consisted of content analysis. Students who participant made up different sixteen metaphor. The most widely used of them kainite. When examined justifications lie behind of metaphor gifted students have different three perception such as affected with people of math, influence toward math of the nature, the nature of math. The result of examine of math perception according to grade level when grade level increased, gifted students more interested the nature of math whereas depended on needed of people more interested math concept.

  5. Legal Regulation of Civil Servants in Russia and Germany Receiving Gifts

    Directory of Open Access Journals (Sweden)

    Svetlana Zimneva

    2015-01-01

    Full Text Available The article deals with the conflict between the provisions of the Criminal Code of the Russian Federation, where the minimum amount of the bribe is not defined, and the provision of the Federal Law ‘On State Civil Service of the Russian Federation,’ which, on the one hand, contains an absolute ban on civil servants receiving gifts and other types of remuneration, while, on the other hand, Art. 575 of the Civil Code of the Russian Federation admits a possibility for civil servants to receive gifts of an amount not exceeding 3,000 rubles in the performance of their official duties. This legal conflict necessitates conceptual clarification of such notions as ‘gift’ and ‘bribe.’The authors underline that a determining factor for establishing the legitimacy of the customary gifts given to government officials is whether the gifts were accepted by the officials, while executing their duties, without a prior agreement for an action or inaction. It is noted that the limitation of a gift’s maximum value to 3,000 rubles, as stated in the Civil Code of the Russian Federation, creates an opportunity to abuse or evade the law.The article presents a comparative study of European laws, more specifically dealing with the institute of donation, and Russian legislation regarding the possibility of civil servants receiving gifts. German law does not single out ‘customary gifts;’ it simply does not admit the possibility of giving gifts or the right to receive gifts by German civil servants.The authors have developed proposals to improve the legal regulation concerning the giving of gifts to government officials in Russia.

  6. Value Relevance of Embedded Value and IFRS 4 Insurance Contracts

    OpenAIRE

    Rebecca Chung-Fern Wu; Audrey Wen-Hsin Hsu

    2011-01-01

    In light of the recent exodus of foreign insurers from Taiwan and the local insurers’ outcries against the International Financial Reporting Standard (IFRS) 4 Insurance Contracts, we examine the value relevance of financial statements for life insurance firms, with particular interests to the embedded value (EV) disclosure. We find that the EV of equity has an incremental information role for book value of equity, which indicates that the accounting mismatching problem in the insurance indust...

  7. 17 CFR 140.735-4 - Receipt and disposition of foreign gifts and decorations.

    Science.gov (United States)

    2010-04-01

    ... currency, except that which has an historical or numismatic value; (3) Accept gifts of travel or gifts of expenses for travel, such as transportation, food and lodging, from foreign governments, other than those... to accept from a foreign government gifts of travel or gifts of expenses for travel taking place...

  8. Can Personal Goal Setting Tap the Potential of the Gifted Underachiever?

    Science.gov (United States)

    Morisano, Dominique; Shore, Bruce M.

    2010-01-01

    Although underachieving gifted students have been largely ignored in empirical research, there has been a modest surge of interest in describing and "treating" this population in recent years. It is estimated that nearly half of gifted youth achieve significantly below their potential. In the realm of school psychology, gifted children have…

  9. The Gift Code User Manual. Volume I. Introduction and Input Requirements

    Science.gov (United States)

    1975-07-01

    REPORT & PERIOD COVERED ‘TII~ GIFT CODE USER MANUAL; VOLUME 1. INTRODUCTION AND INPUT REQUIREMENTS FINAL 6. PERFORMING ORG. REPORT NUMBER ?. AuTHOR(#) 8...reverua side if neceaeary and identify by block number] (k St) The GIFT code is a FORTRANcomputerprogram. The basic input to the GIFT ode is data called

  10. Transnational tobacco industry promotion of the cigarette gifting custom in China.

    Science.gov (United States)

    Chu, Alexandria; Jiang, Nan; Glantz, Stanton A

    2011-07-01

    To understand how British American Tobacco (BAT) and Philip Morris (PM) researched the role and popularity of cigarette gifting in forming relationships among Chinese customs and how they exploited the practice to promote their brands State Express 555 and Marlboro. Searches and analysis of industry documents from the Legacy Tobacco Documents Library complemented by searches on LexisNexis Academic news, online search engines and information from the tobacco industry trade press. From 1980-1999, BAT and PM employed Chinese market research firms to gather consumer information about perceptions of foreign cigarettes and the companies discovered that cigarettes, especially prestigious ones, were gifted and smoked purposely for building relationships and social status in China. BAT and PM promoted their brands as gifts by enhancing cigarette cartons and promoting culturally themed packages, particularly during the gifting festivals of Chinese New Year and Mid-Autumn Festival to tie their brands in to festival values such as warmth, friendship and celebration. They used similar marketing in Chinese communities outside China. BAT and PM tied their brands to Chinese cigarette gifting customs by appealing to social and cultural values of respect and personal honour. Decoupling cigarettes from their social significance in China and removing their appeal would probably reduce cigarette gifting and promote a decline in smoking. Tobacco control efforts in countermarketing, large graphic warnings and plain packaging to make cigarette packages less attractive as gifts could contribute to denormalising cigarette gifting.

  11. Transnational tobacco industry promotion of the cigarette gifting custom in China

    Science.gov (United States)

    Chu, Alexandria; Jiang, Nan; Glantz, Stanton A

    2011-01-01

    Objective To understand how British American Tobacco (BAT) and Philip Morris (PM) researched the role and popularity of cigarette gifting in forming relationships among Chinese customs and how they exploited the practice to promote their brands State Express 555 and Marlboro. Methods Searches and analysis of industry documents from the Legacy Tobacco Documents Library complemented by searches on LexisNexis Academic news, online search engines and information from the tobacco industry trade press. Results From 1980–1999, BAT and PM employed Chinese market research firms to gather consumer information about perceptions of foreign cigarettes and the companies discovered that cigarettes, especially prestigious ones, were gifted and smoked purposely for building relationships and social status in China. BAT and PM promoted their brands as gifts by enhancing cigarette cartons and promoting culturally themed packages, particularly during the gifting festivals of Chinese New Year and Mid-Autumn Festival to tie their brands in to festival values such as warmth, friendship and celebration. They used similar marketing in Chinese communities outside China. Conclusions BAT and PM tied their brands to Chinese cigarette gifting customs by appealing to social and cultural values of respect and personal honour. Decoupling cigarettes from their social significance in China and removing their appeal would probably reduce cigarette gifting and promote a decline in smoking. Tobacco control efforts in countermarketing, large graphic warnings and plain packaging to make cigarette packages less attractive as gifts could contribute to denormalising cigarette gifting. PMID:21282136

  12. Hancocked: manulife and the limits of private health insurance.

    Science.gov (United States)

    Evans, Robert G

    2011-08-01

    Long-term care (LTC) insurance is a salesman's dream. Millions of well-heeled boomers, anxious to protect their estates from the random expropriation of institutional dependency - what a market! But for Manulife, bleeding $1.5 million a day in LTC claims through subsidiary John Hancock, LTC is a nightmare. Company spokesmen blame unexpected increases in life expectancy. But management's fundamental error was insuring correlated risks. Risk pooling works only when individual risks are uncorrelated. Increases in life expectancy affect all contracts together. Manulife made the same mistake selling equity-linked annuities with guaranteed floors - essentially insuring against stock market declines. Results for shareholders have been catastrophic. Top management, meanwhile, have been honoured and richly rewarded.

  13. Risk Pricing and Profit Maximization of Insurance Companies ...

    African Journals Online (AJOL)

    The research investigates the impact of pricing of risk on the profitability of Nigeria insurance market and also the relationship between operation expenses and profitability of the non-life insurance market in Nigeria. Results show that economy, competition and government regulation have effect on pricing of risk. Also, it was ...

  14. Asset and Liability Composition in Participating Life Insurance: The Impact on Shortfall Risk and Shareholder Value

    DEFF Research Database (Denmark)

    Gatzert, Nadine; Bohnert, Alexander; Jørgensen, Peter Løchte

    surplus appropriation schemes on the company’s shortfall risk and the shareholders’ fair risk charge. The range of products comprises temporary life annuities and endowment insurance contracts with varying surplus appropriation schemes that are modeled actuarially. We thereby also account for mortality...... risk and ensure a fair situation for shareholders. Our findings emphasize that management decisions can have a substantial impact on the company’s shortfall risk, and that their effectiveness in risk reduction varies substantially depending on the surplus appropriation scheme offered to the customer...

  15. Special Issues in Working with Gifted Minority Adolescents.

    Science.gov (United States)

    Lindstrom, Rena R.; Van Sant, Sondra

    1986-01-01

    Gifted adolescents from minority groups face the same issues all gifted young people face, but the addition of racial and cultural factors increases the complexity of these issues. Discusses individual versus cultural pressures that affect identity, issues related to assisting students with long-range planning, and two models for programming.…

  16. 26 CFR 1.102-1 - Gifts and inheritances.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Gifts and inheritances. 1.102-1 Section 1.102-1 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Items Specifically Excluded from Gross Income § 1.102-1 Gifts and inheritances...

  17. Identifying and Nurturing the Gifted: An International Perspective.

    Science.gov (United States)

    Heller, Kurt A., Ed.; Feldhusen, John F., Ed.

    The volume consists of papers from the 1985 symposium "Identification of the Gifted" at the Sixth World Conference on Gifted and Talented Children in Hamburg (Federal Republic of Germany). Twelve chapters have the following titles and authors: (1) "Introduction" (J. F. Feldhusen and K. A. Heller); (2) "A Conception of…

  18. Gender-Fair Assessment of Young Gifted Students' Scientific Thinking Skills

    Science.gov (United States)

    Dori, Y. J.; Zohar, A.; Fischer-Shachor, D.; Kohan-Mass, J.; Carmi, M.

    2018-01-01

    This paper describes an Israeli national-level research examining the extent to which admissions of elementary school students to the gifted programmes based on standardised tests are gender-fair. In the research, the gifted students consisted of 275 boys, 128 girls, and additional 80 girls who were admitted to the gifted programme through…

  19. Gifts for Ottoman army: A contribution to the material culture of Belgrade in the 16th century

    Directory of Open Access Journals (Sweden)

    Katić Tatjana

    2016-01-01

    Full Text Available Gift-giving and gift-receiving, as an expressions of suzerainty, patronage and favor on one hand and gratitude and loyalty on the other hand, were deeply rooted in Ottoman society. This practice had extraordinary significance in the relation ruler - army, especially in wartime. At the end of the 16th century, during the Long War 1593-1606, a shipment of over fifty different sorts of objects was sent from Belgrade Treasury to Istanbul to be distributed to the army after the campaign. The list of the sent items (military equipment, armory, carpets, fabrics, cushions, kitchenware and others, which is housed today in the Archive of the Topkapı Sarayı, is one of the rarely preserved Ottoman documents that originated in Serbia and as such, it offers a unique insight to material culture of Belgrade and its surroundings. This paper examines gifts from Belgrade Treasury with the aim of revealing one fragment of the town daily life and indicating the routes of international trade that reached to our territory.

  20. Perfectionism in Gifted Adolescents: A Replication and Extension

    Science.gov (United States)

    Margot, Kelly C.; Rinn, Anne N.

    2016-01-01

    To provide further generalizability for the results garnered by two previous studies, the authors conducted a methodological replication. In addition to adding to the body of replication research done with gifted students, the purpose of this study was to examine perfectionism differences among gifted adolescents in regards to gender, birth order,…

  1. Using Technology to Assist Gifted Children's Musical Development

    Science.gov (United States)

    Schroth, Stephen T.; Helfer, Jason A.; Dammers, Richard

    2009-01-01

    Many gifted children are exposed to music as listeners or performers or both. Children who are sophisticated listeners recognize the importance of and differences between the various works they hear and are knowledgeable about a sometimes large and significant repertoire. Children who are gifted performers are able to make a musical composition…

  2. Gifted Students in Transition: A Grounded Theory Study

    Science.gov (United States)

    Meadows, Jodi J.

    2017-01-01

    Gifted students in transition to college may be at risk for underachievement, difficult transition, or even attrition. Giftedness by itself is not always sufficient for academic success in college. The purpose of this grounded theory study was to construct a theory regarding the process of transition to college for high-achieving gifted high…

  3. 41 CFR 101-4.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 2 2010-07-01 2010-07-01 true Health and insurance... insurance benefits and services. Subject to § 101-4.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not...

  4. Conceptualising the lack of health insurance coverage.

    Science.gov (United States)

    Davis, J B

    2000-01-01

    This paper examines the lack of health insurance coverage in the US as a public policy issue. It first compares the problem of health insurance coverage to the problem of unemployment to show that in terms of the numbers of individuals affected lack of health insurance is a problem comparable in importance to the problem of unemployment. Secondly, the paper discusses the methodology involved in measuring health insurance coverage, and argues that the current method of estimation of the uninsured underestimates the extent that individuals go without health insurance. Third, the paper briefly introduces Amartya Sen's functioning and capabilities framework to suggest a way of representing the extent to which individuals are uninsured. Fourth, the paper sketches a means of operationalizing the Sen representation of the uninsured in terms of the disability-adjusted life year (DALY) measure.

  5. [100 years with certificates: Danish Society of Insurance Medicine 1902-2002].

    Science.gov (United States)

    Permin, Henrik

    2002-01-01

    Danish Society of Insurance Medicine was formed in 1902 as an association between the Danish Society of Accident Insurance and the Danish Society of Life Insurance Medicine, both founded a year before. The purpose of the society is to apply and to further the scientific basis of insurance medicine. The meetings also play a role as a forum for discussions. The members of the society are all working part-time in an insurance company in Denmark (in contrast to many other countries where it is a full-time job). The members are mainly specialists in medicine and surgery. During the first half life of the society nearly all members were high-qualified doctors, i.e. professors and consultants at a university hospital in Copenhagen usually with a doctoral degree. These prominent doctors had a significant influence on insurance medicine in Denmark. The managing directors of the Insurance Companies were invited to the meetings. Many scientific works and textbooks were written on the subject. The society arranges two meetings yearly - one concerning with life insurance and one with accident-insurance medicine. Previously, the question put to the medical adviser was always "Which impairments can still be insured?", but today the question is the opposite "Which impairments are not insurable?" The members have increased to currently 112, still only men, but today the members are younger, comprise fewer professors and fewer with a doctoral degree. During the last 6 years, all interested members in the insurance companies have been invited to the meetings, providing a broader input for the discussions. The topic of the meeting is of current interest: new laws or a new treatment of a disease (medication, surgery) which has been introduced. One to three speakers open the meeting, followed by a discussion. The meetings are always concluded with a light meal and a glass of wine, in earlier days also with cigars and Danish schnaps. 190 meetings have been held during the last 100 years

  6. 26 CFR 1.1015-5 - Increased basis for gift tax paid.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 11 2010-04-01 2010-04-01 true Increased basis for gift tax paid. 1.1015-5... TAX (CONTINUED) INCOME TAXES Basis Rules of General Application § 1.1015-5 Increased basis for gift tax paid. (a) General rule in the case of gifts made on or before December 31, 1976. (1)(i) Subject to...

  7. 7 CFR 15a.39 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 1 2010-01-01 2010-01-01 false Health and insurance benefits and services. 15a.39... Programs and Activities Prohibited § 15a.39 Health and insurance benefits and services. In providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a...

  8. Give me your self: Gifts are liked more when they match the giver's characteristics

    NARCIS (Netherlands)

    Paolacci, G.; Straeter, L.; Hooge, de I.E.

    2015-01-01

    Research on gift giving has devoted considerable attention to understanding whether and how givers succeed in choosing gifts that match recipients' tastes. On the contrary, this article focuses on how recipients' appreciation for a gift depends on the match between the gift and the giver. Four

  9. Gift Planning: You Can't Afford Not to

    Science.gov (United States)

    Morley, Richard H.; Gaudette, Mike

    2009-01-01

    The process of reaching out to donors and securing gifts from alumni and other community members presents its share of challenges for community colleges. But, as funding experts Richard H. Morley and Mike Gaudette of the Council for Resource Development write in "Gift Planning: You Can't Afford Not To," there exists a huge financial incentive for…

  10. An Experimental Study Related to Planning Abilities of Gifted and Average Students

    Directory of Open Access Journals (Sweden)

    Marilena Z. Leana-Taşcılar

    2016-02-01

    Full Text Available Gifted students differ from their average peers in psychological, social, emotional and cognitive development. One of these differences in the cognitive domain is related to executive functions. One of the most important executive functions is planning and organization ability. The aim of this study was to compare planning abilities of gifted students with those of their average peers and to test the effectiveness of a training program on planning abilities of gifted students and average students. First, students’ intelligence and planning abilities were measured and then assigned to either experimental or control group. The groups were matched by intelligence and planning ability (experimental: (13 gifted and 8 average; control: 14 gifted and 8 average. In total 182 students (79 gifted and 103 average participated in the study. Then, a training program was implemented in the experimental group to find out if it improved students’ planning ability. Results showed that boys had better planning abilities than girls did, and gifted students had better planning abilities than their average peers did. Significant results were obtained in favor of the experimental group in the posttest scores

  11. Cognitive Profile of Intellectually Gifted Adults: Analyzing the Wechsler Adult Intelligence Scale.

    Science.gov (United States)

    Lang, Margherita; Matta, Michael; Parolin, Laura; Morrone, Cristina; Pezzuti, Lina

    2017-09-01

    The Wechsler Adult Intelligence Scale (WAIS) has been used extensively to study intellectual abilities of special groups. Here, we report the results of an intellectually gifted group on the WAIS-IV. Gifted individuals are people who obtained scores equal to or greater than 2 standard deviations above the mean on an intelligence test. Hence, the current study aims first, to examine mean group performance data of gifted individuals on the WAIS-IV; second, to revalidate the pattern of performance identified in this special group in previous studies (i.e., verbal skills higher than all other abilities); third, to compare scatter measures across intellectual domains with a matched comparison group. A total of 130 gifted individuals (79 males) were administered the full battery and their performance was compared with a matched comparison group. Analyses revealed that gifted group displayed higher scores in all intellectual domains. Contrary to expectations, they showed the highest scores in perceptual reasoning tasks. A multivariate approach revealed that this ability was statistically different from all other domains within the gifted group. Moreover, gifted individuals showed higher discrepancies across intellectual domains than average-intelligence people. Findings have important practical implications to detect intellectual giftedness in adulthood.

  12. IoT enabled Insurance Ecosystem - Possibilities Challenges and Risks

    OpenAIRE

    Manral, Jai

    2015-01-01

    Internet of Thing (IoT) is looking over to overhaul the business processes of many industries including insurance domain. The current line of business such as Property and Casualty, Health, and Life Insurance can avail tremendous benefits from the contextual and relevant data being generated from billions of connected devices; Smartphone's, wearable gadget and other electronic smart sensors. For P&C insurer's the biggest challenges is not the rapidly changing environment but tackling these ch...

  13. When accepting a gift can be professional misconduct and theft.

    Science.gov (United States)

    Griffith, Richard

    2016-07-01

    Gifts are often given as tokens of gratitude by grateful patients to district nurses. However, there are circumstances where the Nursing and Midwifery Council (NMC), as the professional regulator, and the courts, have held that accepting gifts, large or small, from vulnerable adults is dishonest and amounts to professional misconduct and even theft. Richard Griffith discusses the circumstances where a district nurse who accepts a gift can face a fitness-to-practise investigation and an allegation of theft.

  14. 20 CFR 416.1250 - How we count grants, scholarships, fellowships or gifts.

    Science.gov (United States)

    2010-04-01

    ..., fellowships or gifts. 416.1250 Section 416.1250 Employees' Benefits SOCIAL SECURITY ADMINISTRATION... grants, scholarships, fellowships or gifts. (a) When we determine your resources (or your spouse's, if any), we will exclude for 9 months any portion of any grant, scholarship, fellowship, or gift that you...

  15. Gift Giving and Receiving in Child-Centered Play Therapy: An Ethical Response

    Science.gov (United States)

    Blanco, Pedro J.; Sheely-Moore, Angela I.

    2012-01-01

    Child-centered play therapists are often confronted with the challenge of receiving gifts from clients. This article highlights recommended strategies when faced with gift receiving, exemplified by actual ethical dilemmas encountered by child-centered play therapists. Ethical and therapeutic considerations of therapist gift giving to child clients…

  16. Guardians of 'the gift': the emotional challenges of heart and lung transplant professionals in Denmark.

    Science.gov (United States)

    Jensen, Anja M B

    2017-04-01

    This paper deals with the emotional challenges encountered by doctors and nurses caring for heart and lung transplant patients. Organ transplantation enables body parts from the dead to become usable in patients with no other life-saving option. These exchanges are not possible without transplant professionals carefully selecting, guiding and interacting with organ recipients before, during and after the transplant. Based on anthropological fieldwork at a Danish heart and lung transplant unit, the paper explores how doctors and nurses experience and handle the emotional challenges of their working life. By focusing on the everyday life of the transplant unit which, contrary to public understanding of transplant miracles, is sometimes characterised by sad cases and devastation, this paper argues that transplant professionals operate in the presence of death. Medically and emotionally they are at risk. They must take the difficult decisions of whether to admit critically ill patients onto the organ waiting list; face the distress of post-transplant sufferings and deaths; and deal with organ recipients who do not behave according to post-transplant recommendations. Drawing on a familiar metaphor for donated organs, it is suggested that transplant doctors and nurses are 'guardians of the gift'. Attention to the emotional burdens and rewards of this particular position enables new understandings of the practices of transplant medicine, of gift exchange theory, and of the role of emotion in medical practice.

  17. Understanding Depression among Gifted Adolescent Females: Feminist Therapy Strategies.

    Science.gov (United States)

    Sands, Toni; Howard-Hamilton, Mary

    1995-01-01

    Research on depression among gifted adolescent females is reviewed. A psychotherapeutic model drawing on established feminist therapy strategies is presented for counselors working with gifted adolescent females. The model emphasizes recognizing harmful effects of patriarchal society, supporting females in self-exploration, and pursuing nonsexist…

  18. Language Learning of Gifted Individuals: A Content Analysis Study

    Directory of Open Access Journals (Sweden)

    Beria Gokaydin

    2017-11-01

    Full Text Available This study aims to carry out a content analysis of the studies on language learning of gifted individuals and determine the trends in this field. Articles on language learning of gifted individuals published in the Scopus database were examined based on certain criteria including type of publication, year of publication, language, research discipline, countries of research, institutions of authors, key words, and resources. Data were analyzed with the content analysis method. Results showed that the number of studies on language learning of gifted individuals has increased throughout the years. Recommendations for further research and practices are provided.

  19. Woolf’s Weighty Gifts: The Measure of Modernist Autonomy

    Directory of Open Access Journals (Sweden)

    Rebecca Colesworthy

    2017-07-01

    Full Text Available This paper argues that Virginia Woolf’s A Room of One’s Own (1929 provides a critical counterpoint to a cluster of recent discourses on the gift, autonomy, and the changing nature of labor in the contemporary creative economy. From Lewis Hyde’s best-selling The Gift to neo-Marxist accounts of post-Fordism, these discourses routinely adopt modernist notions of autonomy in order to characterize creative labor today. Woolf’s feminist vision of autonomy in A Room of One’s Own at once dovetails with and complicates these discourses. In suggesting that feminine creative power, or “gifts,” both are and are not measurable by a monetary standard, she reinforces a familiar tension between gifts and commodities. But in her attentiveness to the material conditions of creativity, she also refuses to let the ideal of autonomy become an alibi for precarity, as is so often the case with feminized labor in our own creative economy. Ultimately, I argue that A Room of One’s Own reads as notes toward the possibility of a measure of the value of the gift as a gift—a measure that need not come at the expense of economic equality.

  20. Including the gifted learner: perceptions of South African teachers and principals

    Directory of Open Access Journals (Sweden)

    Marietjie Oswald

    2013-01-01

    Full Text Available We report the findings of a qualitative study embedded in an interpretive paradigm to determine the perceptions of South African primary school teachers and principals regarding the inclusion of learners considered gifted. Eight principals and 16 classroom teachers in the Foundation Phase (Grades 1-3 in public primary schools situated in communities that were representative of the different socio-economic and language groups in the Western Cape province participated in the study. Qualitative data collection methods included in-depth individual semi-structured interviews with the eight principals and two semi-structuredfocus group interviews with the 16 classroom teachers. Qualitative content analysis revealed the following themes: inclusive education and the learner who is gifted; curriculum differentiation; obstacles to curriculum differentiation; and possible solutions for more effectively including the gifted learner. Despite their diversity in terms of culture, language and positioning by the previous apartheid regime, the participants acknowledged the marginalisation by default of gifted learners. Gifted learners were most often those who were not receiving appropriate education and support and data suggested that a particular drive for the inclusion of gifted learners was absent in the agenda of education authorities.

  1. The Reallocation of Compensation in Response to Health Insurance Premium Increases

    OpenAIRE

    Dana P. Goldman; Neeraj Sood; Arleen Leibowitz

    2003-01-01

    This paper examines how compensation packages change when health insurance premiums rise. We use data on employee choices within a single large firm with a flexible benefits plan; an increasingly common arrangement among medium and large firms. In these companies, employees explicitly choose how to allocate compensation between cash and various benefits such as retirement, medical insurance, life insurance, and dental benefits. We find that a $1 increase in the price of health insurance leads...

  2. Perfectionism, Coping, and Underachievement in Gifted Adolescents: Avoidance vs. Approach Orientations

    Directory of Open Access Journals (Sweden)

    Emily Mofield

    2016-07-01

    Full Text Available Perfectionism can influence how one approaches challenges and deals with setbacks, and, consequently, can inhibit or facilitate achievement. The present study (1 explored the relationship between Frost’s six dimensions of perfectionism and five types of coping strategies; (2 examined how dimensions of perfectionism predict coping in response to academic stress; and (3 investigated differences between gifted underachievers and other gifted students on perfectionism and coping among 130 American gifted students in grades 6–8. Results of stepwise regression models revealed approach coping was predicted by adaptive perfectionism (Positive Strivings-notably Organization, whereas avoidance coping (Internalizing, Externalizing, and Distancing was predicted by various combined models. Gifted underachievers displayed lower Positive Strivings perfectionism scores and lower positive coping when compared to achievers. This information is helpful when considering ways to guide gifted students to high levels of academic achievement while utilizing adaptive approaches.

  3. HOUSING INSURANCE IN ROMANIA

    Directory of Open Access Journals (Sweden)

    FLOREA IANC MARIA MIRABELA

    2014-12-01

    Full Text Available Last few years have shown that Romania is not protected from the consequences of climate change. It is clear that type flood events may cause social problems and losses is difficult financing from public resources, especially in the context of the existence of budget constraints. The only viable system to cope with such disasters is insurance system that has the ability to spread risks by reinsurance Natural disasters - earthquakes, floods, landslides - are just some of the risks that may threaten your home. And if natural disasters can seem distant danger, think as fires, floods caused by broken pipes or theft of household goods are trouble can happen anytime to anyone. To protect yourself in such unpleasant situations, whose frequency is unfortunately on the rise, it is necessary to be assured. Thus, you will be able to recover losses in the event that they occur. The house is undoubtedly one of the most important assets we own. Therefore, the Romans began to pay increasingly more attention to domestic insurance products. Since 2011, voluntary home insurance, life insurance with, were the most dynamic segments of the market.

  4. Gender and Extended Actuarial Functions in Pension Insurance

    Directory of Open Access Journals (Sweden)

    Jana Špirková

    2012-12-01

    Full Text Available This paper brings analysis of the impact of a ban on the use of gender in insurance, with special stress on pension annuity, according to the requirements of the European Court of Justice. The paper brings a state-of-theart overview of known and extended actuarial functions which relate to modeling of a premium of endowment, term life insurance and pension annuity. Moreover, the amounts of the pension annuities payable thly per year in a model of the third pillar pension are modeled and analyzed for different interest rates using life tables for both genders and unisex.

  5. 50 CFR 20.40 - Gift of migratory game birds.

    Science.gov (United States)

    2010-10-01

    ... 50 Wildlife and Fisheries 6 2010-10-01 2010-10-01 false Gift of migratory game birds. 20.40... (CONTINUED) TAKING, POSSESSION, TRANSPORTATION, SALE, PURCHASE, BARTER, EXPORTATION, AND IMPORTATION OF WILDLIFE AND PLANTS (CONTINUED) MIGRATORY BIRD HUNTING Possession § 20.40 Gift of migratory game birds. No...

  6. Worthless and Nutritive Nuptial Gifts: Mating Duration, Sperm Stored and Potential Female Decisions in Spiders.

    Directory of Open Access Journals (Sweden)

    Maria J Albo

    Full Text Available In nuptial gift-giving species females sometimes select their potential mates based on the presence and size of the gift. But in some species, such as the Neotropical polyandrous spider Paratrechalea ornate male gifts vary in quality, from nutritive to worthless, and this male strategy can be in conflict with female nutritional benefits. In this species, males without gifts experience a reduction in mating success and duration, while males that offer worthless or genuine nutritive gifts mate with similar frequencies and durations. The female apparently controls the duration of copulation. Thus, there is scope for females to favour males offering gifts and further if these are nutritious, via post-copulatory processes. We first tested whether females differentially store sperm from males that offer the highest nutritional benefits by experimentally presenting females with males that offer either nutritive or worthless gifts (uninterrupted matings. Second, we carried out another set of experiments to examine whether females can select sperm based only on gift presence. This time we interrupted matings after the first pedipalp insertion, thus matching number of insertions and mating duration for males that: offered and did not offer gift. Our results showed that the amount of sperm stored is positive related to mating duration in all groups, except in matings with worthless gifts. Gift presence itself did not affect the sperm stored by females, while they store similar number of sperm in matings with males offering either nutritive or worthless gifts. We discuss whether females prefer males with gifts regardless, if content, because it represents an attractive and/or reliable signal. Or alternatively, they prefer nutritive nuptial gifts, as they are an important source of food supply and/or signal of male donor ability.

  7. Bright Not Broken: Gifted Kids, ADHD, and Autism

    Science.gov (United States)

    Kennedy, Diane M.; Banks, Rebecca S.; Grandin, Temple

    2011-01-01

    The future of our society depends on our gifted children--the population in which we'll find our next Isaac Newton, Albert Einstein, or Virginia Woolf. Yet the gifts and talents of some of our most brilliant kids may never be recognized because these children fall into a group known as twice exceptional, or "2e." Twice exceptional kids are both…

  8. The Relationships between Critical Thinking Skills and Learning Styles of Gifted Students

    Science.gov (United States)

    Dilekli, Yalçin

    2017-01-01

    The current study investigates the relationship between critical thinking skills and learning styles of mentally gifted students. The participants were 225 gifted students in Turkey attending Science and Art Centres which are after-school activity centers for mentally gifted students. Participants were 9-15 years old and were attending secondary…

  9. CHALLENGES AND STRATEGIC PRIORITIES FOR THE DEVELOPMENT OF INVESTMENT INSURANCE IN UKRAINE

    Directory of Open Access Journals (Sweden)

    Iryna Honcharenko

    2017-12-01

    Full Text Available The purpose of the paper is to substantiate the feasibility of expanding the scope of investment insurance in Ukraine, taking into account its advantages over other types of insurance services as well as the possibility of minimizing the possible disadvantages. Methodology. The list of the research methods of the subject under consideration includes the monographic method, analysis, techniques of the abstract-logical method, etc. Results. The urgency of the article is that the disclosure of the internal potential of the insurance market in Ukraine should take place with the introduction or activation of modern insurance products capable of meeting several financial needs at once, not only of their consumers but of the state as a whole. The development of voluntary life insurance plays an important investment role in the country’s economy, therefore, at the moment, the need to develop new financial products aimed at increasing voluntary insurance is urgent. The share of life insurance services in the insurance market of Ukraine in dynamic is analysed. The purpose and positive consequences of expanding the segment of investment insurance are substantiated. Investment insurance as a financial product has both advantages and disadvantages. The benefits include the transparent structure of the insurance product, the choice of investment strategy, the possibility of obtaining increased investment returns while preserving the benefits of the insurance contract, preferential taxation of investment income, the existence of a guaranteed amount of payment in the contract, etc.; to the drawbacks – the lack of the possibility of early termination of the contract with the receipt of all the insurance premiums paid, the absence of a guarantee fund, guaranteed income, long-term contracts, limited range of people who can be insured. To enhance the use of investment insurance in Ukraine and to minimize these shortcomings, the prospects for the development of

  10. Insurance problems among inflammatory bowel disease patients: results of a Dutch population based study.

    Science.gov (United States)

    Russel, M G V M; Ryan, B M; Dagnelie, P C; de Rooij, M; Sijbrandij, J; Feleus, A; Hesselink, M; Muris, J W; Stockbrugger, R

    2003-03-01

    The majority of patients with inflammatory bowel disease (IBD) have a normal life expectancy and therefore should not be weighted when applying for life assurance. There is scant literature on this topic. In this study our aim was to document and compare the incidence of difficulties in application for life and medical insurance in a population based cohort of IBD patients and matched population controls. A population based case control study of 1126 IBD patients and 1723 controls. Based on a detailed questionnaire, the frequency and type of difficulties encountered when applying for life and medical insurance in matched IBD and control populations were appraised. In comparison with controls, IBD patients had an 87-fold increased risk of encountering difficulties when applying for life assurance (odds ratio (OR) 87 (95% confidence interval (CI) 31-246)), with a heavily weighted premium being the most common problem. Patients of high educational status, with continuous disease activity, and who smoked had the highest odds of encountering such problems. Medical insurance difficulties were fivefold more common in IBD patients compared with controls (OR 5.4 (95% CI 2.3-13)) although no specific disease or patient characteristics were identified as associated with such difficulties. This is the first detailed case control study that has investigated insurance difficulties among IBD patients. Acquiring life and medical insurance constituted a major problem for IBD patients in this study. These results are likely to be more widely representative given that most insurance companies use international guidelines for risk assessment. In view of the recent advances in therapy and promising survival data on IBD patients, evidence based guidelines for risk assessment of IBD patients by insurance companies should be drawn up to prevent possible discriminatory practices.

  11. Individual savings accounts for social insurance

    DEFF Research Database (Denmark)

    Bovenberg, Lans; Hansen, Martin Ino; Sørensen, Peter Birch

    2008-01-01

    Using Danish data, we find that about three-fourths of the taxes levied to finance public transfers actually finance benefits that redistribute income over the life cycle of individual taxpayers rather than redistribute resources across people. This finding and similar results for other countries...... provide a rationale for financing part of social insurance via mandatory individual savings accounts. We discuss the advantages and disadvantages of mandatory individual savings accounts for social insurance and survey some recent alternative proposals for such accounts...

  12. Gift and Self-Giving in the Relationship of Communion

    Directory of Open Access Journals (Sweden)

    Magari Simonetta

    2014-07-01

    Full Text Available Psychology doesn’t seem to be really interested in the theme of gift; in the last decades it focus on the central role of recognition in the psyche building up. The authors underline Chiara Lubich’s original intuition linking profoundly the them of gift and recognition.

  13. 36 CFR 905.735-202 - Gifts, entertainment, and favors.

    Science.gov (United States)

    2010-07-01

    ... restriction of paragraph (a) of that section are authorized. Employees may: (a) Accept gifts and other things of value under circumstances which arise from an obvious family or personal relationship(s) (such as... DEVELOPMENT CORPORATION STANDARDS OF CONDUCT Conduct and Responsibilities of Employees § 905.735-202 Gifts...

  14. A Logistic Regression Based Auto Insurance Rate-Making Model Designed for the Insurance Rate Reform

    Directory of Open Access Journals (Sweden)

    Zhengmin Duan

    2018-02-01

    Full Text Available Using a generalized linear model to determine the claim frequency of auto insurance is a key ingredient in non-life insurance research. Among auto insurance rate-making models, there are very few considering auto types. Therefore, in this paper we are proposing a model that takes auto types into account by making an innovative use of the auto burden index. Based on this model and data from a Chinese insurance company, we built a clustering model that classifies auto insurance rates into three risk levels. The claim frequency and the claim costs are fitted to select a better loss distribution. Then the Logistic Regression model is employed to fit the claim frequency, with the auto burden index considered. Three key findings can be concluded from our study. First, more than 80% of the autos with an auto burden index of 20 or higher belong to the highest risk level. Secondly, the claim frequency is better fitted using the Poisson distribution, however the claim cost is better fitted using the Gamma distribution. Lastly, based on the AIC criterion, the claim frequency is more adequately represented by models that consider the auto burden index than those do not. It is believed that insurance policy recommendations that are based on Generalized linear models (GLM can benefit from our findings.

  15. Economics of Social Proximity – Measuring the Deadweight Loss of Tet Gifts

    Directory of Open Access Journals (Sweden)

    Vic Benuyenah

    2018-04-01

    Full Text Available The question of whether gifts are undervalued or overvalued has long been the subject of investigation among psychologists and economists. At the root of this dilemma is the influence of perception and culture which sometimes affects people's sentimentality regarding gift giving or receiving. In a previous study by Joel Waldfogel, the case was made that gift giving can result in deadweight loss, especially when the giver and the receiver have not collaborated on determining the gift choices. The deadweight loss (DWL resulting from undervaluation can reduce the economic efficiency of the exchange. Although this phenomenon is widely reported in the United States, the scenario is different in Vietnam. This study has revealed that gifts received or given during Tet festivities are generally overvalued, and cultural orientation is not necessarily the reason.

  16. RISK CORRIDORS AND REINSURANCE IN HEALTH INSURANCE MARKETPLACES: Insurance for Insurers

    OpenAIRE

    LAYTON, TIMOTHY J.; MCGUIRE, THOMAS G.; SINAIKO, ANNA D.

    2016-01-01

    In order to encourage entry and lower prices, most regulated markets for health insurance include policies that seek to reduce the uncertainty faced by insurers. In addition to risk adjustment of premiums paid to plans, the Health Insurance Marketplaces established by the Affordable Care Act implement reinsurance and risk corridors. Reinsurance limits insurer costs associated with specific individuals, while risk corridors protect against aggregate losses. Both tighten the insurer's distribut...

  17. The term nevestnina – A contribution to the terminology of matrimonial gift giving

    Directory of Open Access Journals (Sweden)

    Vojislav Stanimirović

    2016-03-01

    Full Text Available This essay attempts to bring more order to terminology of matrimonial gift giving – the ever more complicated area in the past couple of decades. Furthermore, it reaffirms the idea of the evolution of matrimonial gift giving, and after many decades in which historians of law and ethnologists focused their research on particularities of matrimonial gift giving in certain cultures and epochs, points out the need of their systematization. Connecting history of law with ethnology, the author offers more precise references of the term brideprice, giving it back its usability, linking it with all the matrimonial gift givings the groom’s side presents to the bride’s father who possesses the exclusive authority to handle it as he pleases. On the other hand, the paper emphasizes the unjust disregard and neglect of another type of matrimonial gift giving in science, or perhaps its erroneous definitions by some authors. Namely, all those matrimonial gift giving from the groom’s side directly or indirectly intended for the girl herself. Girl’s father no longer controls the matrimonial gift giving and he bestows most or all of it to the girl on the wedding. It is what girl brings into marriage under the veil of trousseau, and later partially of dowry. Later on, these symbolic matrimonial gift givings were no longer given to girl’s father not even symbolically, but rather went straight into her hands. These new matrimonial gift givings can no longer be assigned to a category of buying the bride, while the term indirect dowry proposed by Goody is inappropriate for it creates a false picture of these matrimonial gift givings. That is why, in the absence of an appropriate name, the author took the liberty of coining the term nevestnina to cover both aspects of these matrimonial gift-giving. The term bridewealth used in the English speaking areas to replace the politically incorrect term brideprice is proper for the term nevestnina. For the later

  18. An evaluation of a behavioural parenting intervention for parents of gifted children.

    Science.gov (United States)

    Morawska, Alina; Sanders, Matthew

    2009-06-01

    Parents of gifted children identify a need for tailored parenting support, and gifted children have unique requirements and vulnerabilities. The aim of this study was to assess the efficacy of a tailored behavioural parenting intervention, for enhancing the parenting skills of parents of gifted children and to assess the effect of these changes on the behavioural and emotional adjustment of their gifted child. A randomised controlled trial of tailored Group Triple P - Positive Parenting Program was conducted with 75 parents of children identified as gifted. Results indicated significant intervention effects for the number and frequency of parent reported child behaviour problems, as well as hyperactivity in the intervention group, relative to a waitlist control. Parents also reported significant improvements in their own parenting style, including less permissiveness, harshness, and verbosity when disciplining their child. No intervention effects were evident for teacher reports, except for a trend in relation to hyperactivity. This study demonstrated that a tailored behavioural parenting intervention is effective and acceptable for parents of gifted children, and thus has clinical implications for the delivery of parenting interventions for this population.

  19. Mathematically Gifted Adolescent Females' Mixed Sentiment toward Gender Stereotypes

    Science.gov (United States)

    Kao, Chen-yao

    2015-01-01

    There has been a paucity of research on gifted individuals' perceptions of gender stereotypes. The purpose of this study was to explore mathematically gifted adolescent females' perceptions of gender stereotypes through a research design of the qualitative multiple case study involving the constant comparison and the Three C's analysis scheme.…

  20. Charlie's Words: Supporting Gifted Male Athletes Using Athletes' Journals

    Science.gov (United States)

    Kent, Richard

    2012-01-01

    A gifted student-athlete, Charlie Bloomfield is introduced to athlete's journals by his coaches at Burke Mountain Academy (Vermont), an elite American ski school. Used by Olympians and professionals alike, journals provide athletes with ways to organize and reflect on training and competitions. Athlete's journals help gifted male athletes address…

  1. Malaysian Gifted Students' Use of English Language Learning Strategies

    Science.gov (United States)

    Yunus, Melor Md; Sulaiman, Nur Ainil; Embi, Mohammed Amin

    2013-01-01

    Many studies have been done on language learning strategies employed by different type of learners and in various contexts. However, very little studies have been done on gifted students regarding language learning. Gifted students have unique characteristics and have different ways of thinking and learning. These characteristics affect how they…

  2. Drawing out Understanding: Arts-Based Learning and Gifted Children

    Science.gov (United States)

    Eiserman, Jennifer; Lai, Heather; Rushton, Chelsea

    2017-01-01

    Dabrowski recognized that the creative process is important in the personality development of the gifted and talented. Given the intrinsically creative nature of learning in an arts-infused context, we hypothesize that interdisciplinary approaches to curriculum address the unique needs of the gifted. First, we will summarize Dabrowski's theory of…

  3. 27 CFR 10.23 - Gifts or payments to wholesalers.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Gifts or payments to wholesalers. 10.23 Section 10.23 Alcohol, Tobacco Products and Firearms ALCOHOL AND TOBACCO TAX AND TRADE BUREAU, DEPARTMENT OF THE TREASURY LIQUORS COMMERCIAL BRIBERY Commercial Bribery § 10.23 Gifts or...

  4. Crop insurance: Risks and models of insurance

    Directory of Open Access Journals (Sweden)

    Čolović Vladimir

    2014-01-01

    Full Text Available The issue of crop protection is very important because of a variety of risks that could cause difficult consequences. One type of risk protection is insurance. The author in the paper states various models of insurance in some EU countries and the systems of subsidizing of insurance premiums by state. The author also gives a picture of crop insurance in the U.S., noting that in this country pays great attention to this matter. As for crop insurance in Serbia, it is not at a high level. The main problem with crop insurance is not only the risks but also the way of protection through insurance. The basic question that arises not only in the EU is the question is who will insure and protect crops. There are three possibilities: insurance companies under state control, insurance companies that are public-private partnerships or private insurance companies on a purely commercial basis.

  5. Chinese nuclear insurance and Chinese nuclear insurance pool

    International Nuclear Information System (INIS)

    Gong Zhiqi

    2000-01-01

    Chinese Nuclear Insurance Started with Daya Bay Nuclear Power Station, PICC issued the insurance policy. Nuclear insurance cooperation between Chinese and international pool's organizations was set up in 1989. In 1996, the Chinese Nuclear Insurance Pool was prepared. The Chinese Nuclear Insurance Pool was approved by The Chinese Insurance Regulatory Committee in May of 1999. The principal aim is to centralize maximum the insurance capacity for nuclear insurance from local individual insurers and to strengthen the reinsurance relations with international insurance pools so as to provide the high quality insurance service for Chinese nuclear industry. The Member Company of Chinese Nuclear Pool and its roles are introduced in this article

  6. A Comparative Investigation of Environmental Behaviors of Gifted Students and Their Peers

    Directory of Open Access Journals (Sweden)

    Gökhan Sontay

    2014-12-01

    Full Text Available The main purpose of this study was to compare gifted and non-gifted students’ behaviors towards environment. The sample of the study consisted of 364 sixth, seventh and eighth graders attending six different middle schools in the city of Amasya and 34 gifted sixth, seventh and eighth graders attending the Amasya Science and Art Center in Turkey. Data was collected through a 12-item “Environmental Behavior Scale (EBS” developed by the researchers. Independent samples t-test was used to compare scores. The findings showed that gifted students were superior to their peers in terms of showing positive environmental behaviors.

  7. Patient retention gifts in clinical trials - undue inducement or justified motivational tools?

    Science.gov (United States)

    Burgess, L J; Sulzer, N

    2011-09-05

    The use of retention gifts in clinical trials has been controversial, with some ethicists maintaining that such gifts represent undue inducement to the trial participants. A study was conducted at TREAD Research, a site-managed organisation based at Tygerberg Hospital, in which 302 participants completed a questionnaire that focused on their opinion with regard to such gifts. The results suggest that these gifts do not influence patients to participate in a clinical trial or influence them to remain on a trial should they wish to withdraw. However, they do act as a useful motivational tool and trial participants appreciate them.

  8. Introduction to insurance mathematics technical and financial features of risk transfers

    CERN Document Server

    Olivieri, Annamaria

    2015-01-01

    This second edition expands the first chapters, which focus on the approach to risk management issues discussed in the first edition, to offer readers a better understanding of the risk management process and the relevant quantitative phases. In the following chapters the book examines life insurance, non-life insurance and pension plans, presenting the technical and financial aspects of risk transfers and insurance without the use of complex mathematical tools.   The book is written in a comprehensible style making it easily accessible to advanced undergraduate and graduate students in Economics, Business and Finance, as well as undergraduate students in Mathematics who intend starting on an actuarial qualification path. With the systematic inclusion of practical topics, professionals will find this text useful when working in insurance and pension related areas, where investments, risk analysis and financial reporting play a major role.

  9. Language Learning of Gifted Individuals: A Content Analysis Study

    Science.gov (United States)

    Gokaydin, Beria; Baglama, Basak; Uzunboylu, Huseyin

    2017-01-01

    This study aims to carry out a content analysis of the studies on language learning of gifted individuals and determine the trends in this field. Articles on language learning of gifted individuals published in the Scopus database were examined based on certain criteria including type of publication, year of publication, language, research…

  10. Asset Liability Management in Insurance Company

    OpenAIRE

    Giandomenico, Rossano

    2006-01-01

    The model, by using the option theory, determines the fair value of the insurance life policies with different time of maturity and shows that the effective liabilities duration of an Insurance Company exposed to the default risk is different from the duration of a default free zero coupon bond with the same time of maturity. Furthermore, it shows that the value of equity can be immunized in a dynamic way with respect to the movement of the spot rate by selling and purchasing the default fre...

  11. Personal finance and life insurance under separation of risk aversion and elasticity of substitution

    DEFF Research Database (Denmark)

    Jensen, Ninna Reitzel; Steffensen, Mogens

    2015-01-01

    aversion from elasticity of inter-temporal substitution, we introduce certainty equivalents. We propose a time-inconsistent global optimization problem, and we present a verification theorem for an equilibrium control. In the special case without mortality risk, we discover that our optimization approach...... is equivalent to recursive utility optimization with Epstein–Zin preferences in the sense that the two approaches lead to the same result. We find this interesting since our optimization problem has an intuitive interpretation as a global maximization of certainty equivalents and since recursive utility......, in contrast to our approach, gives rise to severe differentiability problems. Also, our optimization approach can there be seen as a generalization of recursive utility optimization with Epstein–Zin preferences to include mortality risk and life insurance....

  12. 76 FR 20727 - National Life Insurance Company, et al.

    Science.gov (United States)

    2011-04-13

    ... of choosing investments for the Replacement Portfolio. In addition, Fidelity Research & Analysis... of the Money Market Portfolio (the ``Replacement Portfolio'') of the Variable Insurance Products Fund V (``VIPFV'') for shares of the Money Market Fund (the ``Substituted Portfolio'') of the Sentinel...

  13. Three Myths? The Over-Representation of the Gifted among Dropouts, Delinquents, and Suicides.

    Science.gov (United States)

    Lajoie, Susanne P.; Shore, Bruce M.

    1981-01-01

    From findings, it is concluded that: the proportion of gifted dropouts may be average, existing literature on delinquency suggests underrepresentation of the gifted, and suicide statistics and theories about the causes of suicide are the most accommodating to the idea of overrepresentation of the gifted. (SB)

  14. Gifted Education in Korea: Three Korean High Schools for the Mathematically Gifted

    Science.gov (United States)

    Choi, Kyong Mi; Hon, Dae Sik

    2009-01-01

    This article presents a brief history of three Korean high schools for mathematically gifted students. It describes how these schools operate, how their mathematics curricula differ compared to those of regular high schools, the admissions criteria, curriculum offered, and the student and teacher population. This review of specialized, science,…

  15. Identifying learning characteristics of the gifted Students in the ...

    African Journals Online (AJOL)

    The failure of schools, teachers and counsellors to identify gifted students as well as responding to their unique characteristics and learning needs give rise to this paper. Gifted learners possess high level of intelligence than their peers, but are disadvantaged in the sense that they are not given the opportunity to reach their ...

  16. An interview study of Gift-giving in China at New Year

    OpenAIRE

    Zhang, Shuo

    2007-01-01

    The purpose of this dissertation is to examine to what a extent the Chinese culture including the custom during Chinese New Year, reciprocity, face and Guanxi has influence on gift-giving among Chinese people and how these factors affect the behavior of gift-giving during Chinese New Year using qualitative research method with in-depth interview and limited observation. This dissertation stemmed from the observations of gift-giving in Bejing institute of geological engineering (BIGE) in...

  17. Friendliness pays off! Monetary and immaterial gifts in consumer-salesperson interactions

    OpenAIRE

    Kirchler, Michael; Palan, Stefan

    2014-01-01

    Recent studies find ample evidence that monetary and immaterial gifts influence effort in the workplace. We investigate the impacts of monetary gift exchange and of expressions of respect on salespersons' reciprocity when purchasing doner durum, a common lunch snack. Prior to the food's preparation, we either induce monetary gift exchange by tipping or explore the role of respect by making a compliment. We repeat the interaction on five consecutive days. Our findings show that salespersons ex...

  18. EPTS Curriculum Model in the Education of Gifted Students

    Directory of Open Access Journals (Sweden)

    Ugur Sak

    Full Text Available In this article, the author reviews the EPTS Model (Education Programs for Talented Students and discuss how it was developed through multiple stages, the ways it is used to develop programs for gifted students, and then presents research carried out on the effectiveness of this model in the education of gifted students. The EPTS Model has two dimensions: ability and content. The ability dimension has a hierarchical structure composed of three levels of cognitive skills. The content dimension is the extension of the regular curriculum but organized at four levels: data, concept, generalization and theory. Included in the article also is a brief critics of the current state of curricular programs in gifted education.

  19. 26 CFR 1.274-1 - Disallowance of certain entertainment, gift and travel expenses.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 3 2010-04-01 2010-04-01 false Disallowance of certain entertainment, gift and... certain entertainment, gift and travel expenses. Section 274 disallows in whole, or in part, certain expenditures for entertainment, gifts and travel which would otherwise be allowable under Chapter 1 of the Code...

  20. GIFT-Cloud: A data sharing and collaboration platform for medical imaging research.

    Science.gov (United States)

    Doel, Tom; Shakir, Dzhoshkun I; Pratt, Rosalind; Aertsen, Michael; Moggridge, James; Bellon, Erwin; David, Anna L; Deprest, Jan; Vercauteren, Tom; Ourselin, Sébastien

    2017-02-01

    Clinical imaging data are essential for developing research software for computer-aided diagnosis, treatment planning and image-guided surgery, yet existing systems are poorly suited for data sharing between healthcare and academia: research systems rarely provide an integrated approach for data exchange with clinicians; hospital systems are focused towards clinical patient care with limited access for external researchers; and safe haven environments are not well suited to algorithm development. We have established GIFT-Cloud, a data and medical image sharing platform, to meet the needs of GIFT-Surg, an international research collaboration that is developing novel imaging methods for fetal surgery. GIFT-Cloud also has general applicability to other areas of imaging research. GIFT-Cloud builds upon well-established cross-platform technologies. The Server provides secure anonymised data storage, direct web-based data access and a REST API for integrating external software. The Uploader provides automated on-site anonymisation, encryption and data upload. Gateways provide a seamless process for uploading medical data from clinical systems to the research server. GIFT-Cloud has been implemented in a multi-centre study for fetal medicine research. We present a case study of placental segmentation for pre-operative surgical planning, showing how GIFT-Cloud underpins the research and integrates with the clinical workflow. GIFT-Cloud simplifies the transfer of imaging data from clinical to research institutions, facilitating the development and validation of medical research software and the sharing of results back to the clinical partners. GIFT-Cloud supports collaboration between multiple healthcare and research institutions while satisfying the demands of patient confidentiality, data security and data ownership. Copyright © 2016 The Authors. Published by Elsevier B.V. All rights reserved.