The Impact of Health Status and Out-of-Pocket Medical Expenditures on Annuity Valuation

This paper describes how differences in health status at retirement can influence the decision to purchase a life annuity. We extend previous research on annuitization decisions by incorporating the effect of health differentials via differences in survival throughout the latter portion of life. Next, we consider how precautionary savings motivated by uncertain out-of-pocket medical expenses influence annuitization decisions. Our results show that annuities become less attractive to people facing uncertain medical expenses. While full annuitization would still be optimal if annuity markets were truly complete and both life- and health-contingent, lacking this, annuity equivalent wealth values are much lower for those in poor health, as compared to persons in good health.

Personal Attitude, Subjective Norm, and Perceived Behavioral Control: Differentiating Factors of Entrepreneurial Intention of High School Students who are Joining and not Joining the Entrepreneurship Education in an International School

The Indonesian government provides an incentive to develop entrepreneurship to boost economic growth and to prepare for the ASEAN Economic Community (AEC) by increasing the entrepreneurial intentions of the Indonesian people. One way to develop entrepreneurial intentions is to apply entrepreneurship education early on. The Singapore National Academy (SNA) is an international school that offers the Business subject from grades 9 - 12. SNA also offers another form of entrepreneurship education, which is the Enterprising co-curricular activity (CCA) that is more focused on projectbased learning. This study was conducted in SNA, which has students of various ethnic groups who mostly have parents with an entrepreneurial background. The purpose of this study was to elucidate whether personal attitude (PA), subjective norm (SN), and perceived behavioral control (PBC) affect the intention of entrepreneurship of students who are joining CCA Enterprising and students who are not joining CCA Enterprising in SNA. The sample consisted of 60 respondents, including 30 students of CCA Enterprising and 30 students who were not in CCA Enterprising, who were recruited using a saturated sampling technique. Based on the results of the discriminant analysis with the stepwise method, all variables (subjective norm, personal attitude and perceived behavioral control) affected the entrepreneurial intention of students who were joining CCA Enterprising compared with students who were not joining CCA Enterprising. There was a significant difference between the entrepreneurship intentions of those in CCA Enterprising compared with those who were not. Keywords: entrepreneurship education, personal attitude, subjective norm, perceived behavioural control, entrepreneurial intentio

The Impact of Health Status and Out-of-Pocket Medical Expenditures on Annuity Valuation

This article describes how differences in health status at retirement can influence the decision to purchase a life annuity. We extend previous research on annuitization decisions by incorporating the effect of health differentials via differences in survival throughout the latter portion of life. Next, we consider how precautionary savings motivated by uncertain out-of-pocket medical expenses influence annuitization decisions. Our results show that annuities become less attractive to people facing uncertain medical expenses. While full annuitization would still be optimal if annuity markets were truly complete and both life- and health-contingent, lacking this, annuity equivalent wealth values are much lower for those in poor health, as compared to persons in good health

Borneo : jurnal ilmu pendidikan volume III nomor 2, Desember 2009

Meningkatkan Kemampuan Menyunting Wacana Pelajaran Bahasa Indonesia Dengan Metode Jigsaw Pada Siswa Kelas IXd SMPN 1 Tenggarong Seberang Tahun Pelajaran 2008/2009 Peningkatan Kompetensi Guru Bahasa Indonesia Melalui Pembinaan dan Pengawasan Di SMA Negeri 7 dan SMA Katolik wr. Soepratman Samarinda Upaya Meningkatkan Pemahaman Terhadap Pokok bahasan Alat Pencernaan Makanan Pada Manusia Dengan Menggunakan Teknik ”Mencari Pasangan” pada Siswa Kelas V Semester I di SDN 008 Babulu- PPU Tahun Pelajaran 2009-2010 Upaya Peningkatan Pemahamaan KTSP Bagi Guru di Gugus IV Kecamatan Babulu Dengan Metode Role Playing Penerapan Think-Talk-Write (TTW) Untuk Meningkatkan Aktivitas dan Hasil Belajar Matematika Siswa Kelas XI di SMAN 5 Samarinda Permainan Kartu Dapat Meningkatkan Prestasi Belajar Siswa Pada Operasi Hitung Bentuk Aljabar Siswa Kelas VII 6 SMP Negeri 3 Tarakan Penggunaan Kotak Brics Dalam Pembelajaran Operasi Hitung Bilangan Bulat Dengan Metode Eksperimen Untuk Kelas V SDN 013 Babulu Tahun 2009 Peningkatan Keterampilan Menulis Teks Pengumuman Melalui Pemberian PR Repetisidi Kelas V SDN 021 Babulu Upaya Pemberdayaan Tenaga Pendidik pada SMP Negeri 3 Muara Muntai untuk Mencapai Standar Kelulusan Tahun Pelajaran 2007/200

Formar melhor para um melhor cuidar

A formação surge como uma ajuda ao desenvolvimento humano, adoptando uma posição abrangente que inclui o aluno e o próprio professor (Kohlberg e Mayer, 1972), em que o resultado obtido é menos importante do que a disponibilidade gerada durante o percurso, para que o aluno possa continuar a evoluir ao longo da vida. Esta perspectiva desenvolvimentalista, antecipava já, a tendência actual que defende que a educação deve constituir para cada indivíduo uma forma de promover o máximo desenvolvimento das suas potencialidades, através de experiências de aprendizagem de complexidade crescente. A formação não é apenas uma instância de mediação das relações formador/formando ou equipa de formadores/grupo de formandos, mas uma instância de auto-mediação do formando com o seu mundo subjectivo, mediador do grupo de formação com as suas subjectividades, mediador do grupo com um projecto de acção através do qual ele se exterioriza (Correia, 1997: 25)

Benzodifuran-based fluorescent brighteners: A novel platform for plant cell wall imaging

Herein we designed three novel fluorescent brightening agents based on a benzodifuran skeleton. The compounds are colorless fluorophores emitting in the blue region with an improved water solubility and ability to interact with living cells. A complete understanding of the emission mechanisms was achieved by Density Functional Theory study based on X-ray crystallographic analysis. The fluorescence quantum yields were measured in different solvents and at different pH values. The ability of the different fluorophores to stain cell compartments of plant root samples was tested in water- and glycerol-based solutions. Through fluorescence microscopy technique two probes with a different functionalized branching chain proved to be efficient stains for plant root cell wall. The cationic probe has no harmful effect on plant tissues and is suitable for in vivo fluorescent visualization of plant root cell boundaries. This study sheds light on the potential use of brighteners containing a central benzodifuran core as tools for imaging of fixed and alive plant tissues

Tributyltin in crustacean tissues: Analytical performance and validation of method

The hermit crab Clibanarius vittatus is a typical organism from intertidal regions being considered as a good bioindicator of tributyltin presence at these environments. Thus this study presents the analytical performance and validation method for TBT quantification in tissues of C. vittatus by gas chromatography with pulsed flame photometric detector (GC-PFPD) after extraction with an apolar solvent (toluene) and Grignard derivatization. The limits of detection of the method (LOD) were 2.0 and 2.8 ng g -1 for TBT and DBT (dibutyltin), respectively, and its limits of quantification (LOQ) were 6.6 and 8.9 ng g-1 for TBT and DBT, respectively. The method was applied to samples from Santos Estuary, São Paulo State, Brazil. TBT and DBT concentrations ranged from 26.7 to 175.0 ng g -1 and from 46.2 to 156.0 ng g -1, respectively. These concentrations are worrisome since toxic effects (such as endocrine disruption) have been reported for other organisms even under lower levels of registred at this study. © 2012 Sociedade Brasileira de Química

Indocyanine Green Fluorescence Lymphography: A New Technique to Perform Lymphatic Sparing Laparoscopic Palomo Varicocelectomy in Children

Laparoscopic Palomo varicocelectomy is one the most common approaches adopted to treat pediatric varicocele, but postoperative hydrocele still remains a potential problem with this procedure. This study aimed to evaluate the outcome of a new technique of lymphography using indocyanine green (ICG)-enhanced fluorescence to perform lymphatic sparing laparoscopic Palomo varicocelectomy