Quality in EITC Campaigns: Results From the 2008 Tax Season

Evaluates the online training and process for on-site quality reviews of Casey-supported free tax preparation programs to help low-income families file for the Earned Income Tax Credit (EITC). Examines effectiveness, types of errors, and relevant factors

Pursuing the Principalship: Factors in Assistant Principals’ Decisions

School administrators who are hired to lead and guide schools and districts must possess a number of characteristics that allow them to become successful leaders. The presence or absence of a strong educational leader can make all the difference in school climate and student achievement (Kelley, Thornton, & Daugherty, 2005). Educational leaders need to be cognizant of what constitutes an effective leader and which characteristics have the most effective impact on student achievement. Alford et al. (2011) stated, while principals are engaged in the managerial tasks of the school, securing the building for safety, ensuring bus routes, student schedules, and the day-to-day management tasks, the instructional needs of the faculty and students compete for attention (p. 29)

The Interaction of Public and Private Insurance: Medicaid and the Long-Term Care Insurance Market

We show that the provision of even incomplete public insurance can substantially crowd out private insurance demand. We examine the interaction of the public Medicaid program with the private market for long-term care insurance and estimate that Medicaid can explain the lack of private insurance purchases for at least two-thirds and as much as 90 percent of the wealth distribution, even if comprehensive, actuarially fair private policies were available. Medicaid's large crowd out effect stems from the very large implicit tax (on the order of 60 to 75 percent for a median wealth individual) that Medicaid imposes on the benefits paid from private insurance policies. Importantly, Medicaid itself provides an inadequate mechanism for smoothing consumption for most individuals, so that its crowd out effect has important implications for overall risk exposure. An implication of our findings is that public policies designed to stimulate private insurance demand will be of limited efficacy as long as Medicaid continues to impose this large implicit tax.

Supply or Demand: Why is the Market for Long-Term Care Insurance So Small?

Long-term care represents one of the largest uninsured financial risks facing the elderly in the United States. Whether the small size of this market is driven primarily by supply side market imperfections or by limitations to demand, however, is unresolved, largely due to the paucity of data about the structure of the private market. We provide what is to our knowledge the first empirical evidence on the pricing and benefit structure of long-term care insurance policies. We estimate that the typical policy purchased by a 65-year old has an average pricing load of about 18 percent and has a very limited benefit structure, covering only one-third of the expected present discounted value of long-term care expenditures. These findings are consistent with the presence of supply side market imperfections. However, we also find enormous gender differences in pricing -- typical loads are 44 cents on the dollar for men but better than actuarially fair for women -- that do not translate into differences in coverage. And, although purchased policies provide limited benefits, we demonstrate that more comprehensive policies are widely-available at similar loads, but are rarely purchased. These findings suggest that while supply-side market imperfections exist, they are not the primary cause of the small size of the private long-term care insurance market.

Acute changes in clinical breast measurements following bra removal:implications for surgical practice

AbstractBackgroundStable measurement of breast position is crucial for objective pre-operative planning and post-operative evaluation. In clinical practice, breast measures are often taken immediately following bra removal. However, research shows that restrictive clothing (such as a bra) can cause acute anatomical changes, leading to the hypothesis that clinical breast measures may change over time following bra removal. This cross-sectional observational study aimed to provide simple clinical guidelines for the measurement of breast position which account for any acute changes in breast position following bra removal.MethodsThirteen participants of varying breast sizes had markers attached to their thorax and nipples to determine clinical measures of sternal notch to nipple distance, internipple distance, breast projection, and vertical nipple position. The positions of these landmarks were recorded using a motion capture system during 10 min of controlled sitting following bra removal.ResultsInternipple distance and breast projection remained unchanged over 10 min, while the resultant sternal notch to nipple distance extended by 2.8 mm in 299 s (right) and 3.7 mm in 348 s (left). The greatest change occurred in the vertical nipple position, which migrated an average of 4.1 mm in 365 s (right) and 6.6 mm in 272 s (left), however, for one participant vertical migration was up to 20 mm.ConclusionsInternipple distance and breast projection can be measured first following bra removal, followed by sternal notch to nipple distance, any measures associated with the vertical nipple position should be made more than 6 min after bra removal. These guidelines have implications for breast surgery, particularly for unilateral reconstruction based on the residual breast position