This book is a revised and updated edition of Asking Questions: A
Practical Guide to Questionnaire Design, first published in 1982. It
focuses on the type of question asking that social science researchers
and market researchers use in structured questionnaires or interviews.
Many of the principles of effective formalized questioning we
focus on in this book are useful in other contexts. They are useful
in informal or semistructured interviews, in administering printed
questionnaires in testing rooms, and in experimental studies involving
participant evaluations or responses....
In this stunning new book, Malcolm Gladwell takes us on an intellectual journey through the world of "outliers"--the best and the brightest, the most famous and the most successful. He asks the question: what makes high-achievers different?
His answer is that we pay too much attention to what successful people are like, and too little attention to where they are from: that is, their culture, their family, their generation, and the idiosyncratic experiences of their upbringing.
Known as the epidemiological transition, this shift is highly
correlated with changes in personal and collective wealth (the
economic transition), social structure (the social transition),
and demographics (the demographic transition). Omran
(1971) provides an excellent model of the epidemiological
transition that divides it into three basic ages: pestilence and
famine, receding pandemics, and degenerative and human-
created diseases (table 33.1). Olshansky and Ault (1986) add a
fourth stage: delayed degenerative diseases.
The European Banking Authority (EBA) published its recommendation relating to the European bank
recapitalisation plan on 8 December 2011. This forms part of a broader set of EU measures agreed in
October 2011 to restore confidence in the banking sector. By the end of June 2012, 65 banks must reach
a 9% ratio of core Tier 1 capital to risk-weighted assets (RWA). Capital will be assessed net of valuation
losses on EEA sovereign exposures incurred by end-September 2011 (“sovereign buffer”). The 31 banks
located in the shaded area below the regulatory line (capital = 0.
Chapter 1: Changes in global economic economy focus on two questions what are the key methods for tracking and identifying opportunities in the macro-environment? What are the key demographic, economic, natural, technological, political, and cultural developments?.
We are living on an increasingly urban planet. In 2008 we passed the halfway
mark—50% of the world’s population now live in cities, and that percentage
is projected to increase to 70% by 2050. There is no turning back
the urban trend. Yet ironically we have as a species yet to successfully design
and plan cities that will accommodate our economic and demographic
needs while uplifting and elevating us, and protect, restore, and nurture
the planet and its natural systems.
The imagination is questionable (Daily, 1997; Dasgupta, 2000b). In any event, we should
be sceptical of a theory which places such enormous burden on an experience not much more
than two hundred years old (Fogel, 1994; Johnson, 2000). Extrapolation into the past is a
sobering exercise: over the long haul of history (some five thousand years), economic growth
even in the currently-rich countries was for most of the time not much above zero.
Initial Phase: Formulating the Idea
You have a great idea for a company – now is the time to do your homework.
Before writing a business plan, extensive research is required to answer several
* How clear is the idea? Can it be summarized in two sentences or less?
* What are the vital market demographics?
* Who will be your customers?
* Is there a real need for this product?
* How is your company different from others?
Once you've answered these questions, you can move on to the next phase....
What position do Tanzanian women hold in society? Do they have the same access to education as men? Can
they make important decisions about their health care or about the money they earn? Do they have any say in
their husbands’ behaviour? he answers to these and other important questions can be found in the results of
two recent surveys, the 2004-05 Tanzania Demographic and Health Survey and the 2003-04 Tanzania HIV/
AIDS Indicator Survey.
hese surveys provide valuable new information about the status and well-being of women in Tanzania.
A univariate descriptive analysis of the quantitative survey data was undertaken to
summarise the results for each question. Data was recoded by combining categories as
required to facilitate a subsequent bivariate analysis aimed at identifying patterns
within the data. Distributions of the respondents’ demographic variables were cross-
tabulated with their attitudinal variables and future orientation variables. The
coefficients phi, Cramer’s V and Goodman and Kruskal’s gamma were used to measure
associations between variables as appropriate.
To test the model’s predictions we use a sample of Dutch households. In the Fall of 2003
we included some specific questions on trust, attitudes towards risk, ambiguity aversion, and
optimism to a sample of 1,943 Dutch households as part of the annual Dutch National Bank
(DNB) Household survey. These data were then matched with the 2003 wave of the DNB
Household Survey, which has detailed information on households’ financial assets, income, and
We will support stations and national producers in their efforts to inform the public about
critical questions of the day as traditional journalism continues to decline. And we will continue
to work with the system to embrace pragmatic change, in order to be poised even in a
challenged economy to respond to the opportunities offered by shifting demographics and
A number of ongoing and new projects are described within this document.
Of the 316 students surveyed, 75 responded giving a response rate of 24%. Only one
respondent did not complete all survey questions. Respondents included students at
all stages in the MBA program and their gender distribution, age distribution and
employment profile very closely resemble those of the broader student body. The only
apparent difference between the demographics of the respondents and those of the
broader student population was that students living in Australia were slightly under-
While the link between demographic change and stock prices is a positive question, the second
issue that we investigate is normative: whether the United States is “saving enough for its old age.”
The coming increase in the ratio of dependent elderly to working age adults will, ceteris paribus,
lower the average level of consumption. In the face of this coming demographic shock, it may be
optimal for the country to save a higher fraction of its income, in order to smooth consumption.
The rest of this paper is structured as follows. In section 2, we discuss previous literature that
has addressed the questions in which we are interested. Section 3 shows basic demographic data
for the United States. In section 4 we present and solve the theoretical model that we will be using.
Section 5 applies the model to derive optimal paths of consumption and of asset prices in the face
of demographic change. The section begins by considering an stylized case of population aging,
which is used to develop intuition.