As can be seen in Table 1, the pre-service teachers had diverse linguistic and
2 Selection of the pre-service teachers, while not designed to be
representative, provided a broad student teacher perspective on issues related to
teaching ESL writing.
The participants represented a diverse set of backgrounds and experiences. Seven
were native English speakers. Five were second language speakers of English, with
Korean, French and Portuguese as their first language backgrounds.
The Netherlands may be an extreme case, both in terms of observed retirement patterns as well as in
terms of the characteristics of the institutional setting. Since the mid-seventies Labour force participation
rates of elderly males (55 years and older) have dropped about 50% points to a current level of less 30%.
Employer provided Early Retirement (ER) schemes allow for retirement at the age of 60, or sometimes
. In addition to these schemes there are Unemployment Insurance schemes (UB) and
Disibality Insurance schemes (DI) to protect...
How can you ensure these companies discover your products? Some catalog buyers,
as well as many retail store buyers, rely on the convenience of trade shows as a one
stop shopping place for their products and trade shows can be a wonderful venue not
only for you to showcase your products to potential buyers but also because they offer a
variety of training and networking opportunities. The Natural Products Expo series of
trade shows offers both the Distributer Matching Service, mentioned above, and a
Global Business Training Program free to participants at its trade shows.
The University of Wisconsin Survey Center, University of Wisconsin-Madison, the contracted survey
laboratory, drew the samples and conducted all interviews for 2008. Trained interviewers called the
sampled telephone numbers and conducted the survey using a computer-assisted telephone survey system
(CASES). Each telephone number was called at least 10 times before being designated unanswered. The
final overall response rate was 46 percent.
The questions asked in the FHS were designed in the Wisconsin Office of Health Informatics.
Health Insurance Is a Family Matter is the third in a series of six reports planned
by the Institute of Medicine (IOM) and its Committee on the Consequences of
Uninsurance. This series of studies represents a major and sustained commitment
by the IOM to contribute to the public debate about the problems associated with
having more than 38 million uninsured people in the United States. This very
broad research effort also represents a significant contribution from The Robert
Wood Johnson Foundation for which we are grateful....
The data included below must be interpreted with caution, indeed those providing the data
themselves advise caution in using it. The European data comes from the European Business
Angel Network (EBAN), and the US data comes from the Angel Capital Association or the Centre
for Venture Research, University of New Hampshire. EBAN note that their numbers only include
activity that takes place within Business Angel networks, and as such by no means represent the
full extent of Business Angel activity existing in Europe.
This helpsheet will help you fill in boxes 4 to 11 in the ‘Life insurance gains’
section on page Ai 1 of the Additional Information pages of the tax return.
It will help you decide which boxes you need to use and what you need to
enter in those boxes. These notes are generally applicable to individuals,
trustees and personal representatives of a deceased person unless the notes
This helpsheet deals with chargeable event gains on UK life insurance
policies, life annuities and capital redemption policies.
Once you receive the community’ s letter stating that
the cost to repair flood damage to your building is 50
percent or more of its market value, you may file an
ICC claim. You should contact your flood adjuster or
your flood insurer’ s claims representative to file the
ICC claim. You have 4 years from the date of the
community’ s letter declaring the building to be
substantially damaged to complete your chosen
mitigation activity under the terms of the Standard
Flood Insurance Policy .
Farmers have several general concerns about crop insurance voiced by national farm
organizations representing a cross-section of American agriculture. The American Farm Bureau
Federation (AFBF) and others would like USDA to address shallow losses, which occur when
losses are significant for the farmer but not enough to trigger an indemnity.
Also, this group and
others point out a need to address declines in actual production history (APH), which is used for
determining the insurance guarantee.
Different PHI functions give rise to specific policy challenges. Primary PHI markets often create
access-related challenges, especially for high-risk and vulnerable groups, where they represent the sole
form of cover for some population groups.15 Where public and private delivery systems are linked to
different funding sources, as in systems with duplicate private health insurance, differences in access to
care, choice levels and utilisation patterns occur between individuals with and without private insurance.
The Wisconsin Family Health Survey (FHS) collects information about health insurance coverage, health
status, health problems and use of health care services among Wisconsin residents. This survey began in
1989 and has been conducted annually since then. This report is based on responses collected in 2008,
the same year that the BadgerCare Plus health insurance program was implemented (February 2008).
The survey results presented in this report are representative of Wisconsin household residents, who
constitute approximately 97 percent of all persons residing in the state.
Air pollution does not only damage the air; it also damages environments on Earth’s
surface and their inhabitants. Plants and animals are harmed by air pollution.
Sometimes it is the pollutants themselves that cause damage. Other times pollutants
combine and change the resources that plants and animals depend upon such as
water, soil, and nutrients.
The impacts of air pollution are diverse and numerous. Air pollution can have serious
consequences for the health of human beings, and also severely affects natural
Through its capacity to combine growth and inclusiveness, our social market economy is one
of Europe's greatest assets. But today its economy and its society face the threat that the grave
problems of high unemployment, increased poverty and social exclusion risk becoming
structural. The EU dimension must be harnessed to assist Member States to find every
opportunity to help people looking for work and to address the mismatch between labour
supply and demand.
The term Business Angel has only been used in Germany since the early 1990s. According to the
German Business Angel network BAND, German Business Angel associations/federations have
approximately 1,400 registered members. Most of the actors are “silent angels”, this means they
do not look for publicity and most of them are not organised in networks. The “Promotion Angels”
are a minority - they are looking for publicity and are participating in public discussions (Harrer,
Call your insurance agent or company representative
and discuss the particular requirements for reporting
a flood claim.These can vary from company to
company , so knowing how to proceed can save a lot
of effort later .
Remember , after a flood it may be difficult to get
in touch with your agent or insurance company . Power
and phone service may be interrupted, or phone lines
may be overwhelmed with other callers. It will benefit
you to know just what to do in advance of flooding.
ContactYour Agent or Company Representative to ReportYour
Loss: Have ready—the name of your insurance
company , policy number and a phone number and/or
e-mail address where you can be reached. All flood
insurance policies require you to give prompt written
notice of loss. If you get in touch with your agent or
company representative directly , they will advise you
how to file your notice of claim. Otherwise, you must
send a written notice to your insurance company with
your policy number ....
If you notice additional damage to your Building
Property or Personal Property after filing your
claim, you may file a Supplemental Claim.This means,
essentially , that you must repeat the documentation and
filing process for your original claim, including a Proof
of Loss—but only for the newly discovered damage.
Supplemental Claims should start with immediately
notifying your adjuster , agent and/or company
representative. Once you have completed
documentation, present it to your adjuster who may
need to make another property visit to verify your loss....
This increased level of risk among young men is not confined to driving. The
WHO (1999) and (2002) report that men are also more likely to die from falls,
drowning, poisoning and a range of other events. Only in the case of deaths in
fires are women slightly more over-represented than men. The report also notes
that injury and fatality rates are higher among men for every type of road injury
victim in several developing countries. In Kampala, Uganda, for example, males
outnumbered females by between 2 and 7 to 1 among injured vehicle drivers,
passengers and pedestrians. In the...
Multipath TCP is a major extension to TCP that allows improving the
resource usage in the current Internet by transmitting data over
several TCP subflows, while still showing one single regular TCP
socket to the application. This document describes our experience in
writing a MultiPath TCP implementation in the Linux kernel and
discusses implementation guidelines that could be useful for other
developers who are planning to add MultiPath TCP to their networking
Status of this Memo
This Internet-Draft is submitted in full conformance with the
provisions of BCP 78 and BCP 79.
Finally, promotion—what marketing is often stereotyped to
mean—is how to spread the positive word about the product to
influential people and potential customers. Surprisingly,
promotion is a small part of a business analyst or product
manager’s time (maybe 10–20%). So, marketing plans define
much more than what the ads will look like or what
promotional deals will be made. Also, note that the four Ps of
marketing apply to almost anything. There is always a product
(HR web site), a price (free), a placement (intranet), and a
promotion (email) for it.