The belief that children will take care of the parents in the old age is eroding in India where
the family size has been cut down as a result of the demographic process (Dandelkar, 1996).
The situation in the urban areas shows a rejection of older people by the next generation and
this is spreading to rural areas (Desai, 1985). In the nuclear family regime, the position of the
aged becomes more vulnerable and is treated as a burden to the family (Nayar, 1992). The
social negligence of the aged occurs due to cultural, social and economic relations within the...
MERs can range from less than 1% for money
market funds to more than 3% for some specialty
funds. More complex funds tend to have higher
MERs because the manager needs to do more to
effectively manage the fund, and these funds are
more costly to run. Index funds usually have very
low MERs because duplicating an index involves
less research and less trading. For this reason,
they often outperform actively managed funds
over the long term.
However, keep in mind that a low MER doesn’t
necessarily mean more money in your pocket.
For example, you’ll make more on a fund...
To the extent that earnings and book values are some of the factors used to weight
stocks in the portfolio, FI will systematically overweight “value” stocks and underweight
“growth” stocks. Moreover, to the extent that FI attempts to underweight stocks with
(temporarily) high market capitalizations, there will be a tendency for an FI portfolio to
contain smaller-capitalization stocks compared with a cap-weighted index. According to
Eugene Fama and Kenneth French (2007), RAFI is a “triumph of marketing, and not of
The questionnaire focuses on those aspects of knowledge, attitudes and behaviours that are associated
with the overall concept of financial literacy. The questions cover a range of contexts, including accessing
financial services, meeting immediate financial requirements and planning for the future. Almost all the
questions relate directly to the individual answering the question, although some information is collected
about the household, including the household income and the number of people living with the respondent.
Health care and hygiene programmes can help in control. Watering at night
or at midday reduces the risk of being bitten by flies. Preventive measures
before the onset of the disease (Chemoprophylaxis) and curative measures
after the disease is clinically evident (Chemotherapy) have shown varying
success in controlling and combating the disease (Table 32). As for all
trypanosome diseases, drug resistance due to misuse and especially by
using too small doses or diluting the drug with water or some other liquid is
an increasing problem.
Greenway is one of several examples of how the private sector is committed to this
transformation and has taken charge through leading the health information technology
and electronic health record industry. Greenway was founded on the premise that HIT &
EHRs dramatically reduce medical errors, lower costs, improve quality and efficiency
and create a substantial return on investment for physicians and practices among many
Perhaps the most far-reaching regulatory change affecting net worth was the liberal-
ization of the accounting rules for supervisory goodwill.
Effective in July 1982, the Bank
Board eliminated the existing ten-year amortization restriction on goodwill, thereby allow-
ing S&Ls to use the general GAAP standard of no more than 40 years in effect at the time.
The process of urbanization in India is at a
critical point of transition. India has a young
and rapidly growing population, a potential
demographic dividend that needs to be tapped
accordingly. Addressing life in India’s cities is
a central pillar of inclusive growth.
McKinsey Global Institute (MGI) estimates that
cities could generate 70 percent of net new
jobs created by 2030, produce more than 70
percent of Indian GDP, and drive a near fourfold
increase in per capita incomes across the
nation.112 And yet, cities are not just home to
The second challenge is to ensure that health is prioritized within overall
development and economic policies. This means looking beyond the health
system and addressing the broad determinants of ill-health - low levels of
education, poverty, unequal gender relations, high risk behaviours, and an
unhealthy environment - as well as raising the profile of health within national
poverty reduction and government reform processes.
Bladder, uterine, and rectal prolapse are common sequelae of childbirth.
Sometimes bulging is obvious on initial inspection, but other times it may
only be evident when the patient bears down as if she were attempting to void
and then defecate. The examiner should be appropriately positioned before
undertaking this evaluation, because some women will lose urine with this
maneuver. For many women with prolapse, diagnosis is only possible after a
more detailed gynecologic examination (see Chapters 10 and 14)....
Recent imperfect capital market theories (e.g., Bernanke and Gertler
(1989), Gertler and Gilchrist (1994), Kiyotaki and Moore (1997)) predict
that changing credit market conditions can have very di®erent e®ects on
small and large ¯rms' risk. Agency costs induced by asymmetry in the infor-
mation held by ¯rms and their creditors make it necessary for ¯rms to use
collateral when borrowing in the credit markets. Small ¯rms, it is argued,
typically do not have nearly as much collateral as large ¯rms and will not
have the same ability to raise external funds.
The 10 problems of least concern are generally issues of limited exposure to most small-busi-
ness owners and typically find themselves at the bottom of the ranking each year. Three prob-
lems are new to the top 10 of least concern and one problem in the group is new to the survey.
“Exporting My Products/Services” holds onto the 75th
ranking, a position held for six of
seven editions that it has been listed as a problem. It moved up one position in 2000, replaced
by the problem “Y2K Impacts.
This article compares and contrasts two technologies for delivering broadband wireless Internet access
services: ‘‘3G’’ vs. ‘‘WiFi’’. The former, 3G, refers to the collection of third-generation mobile technologies
that are designed to allow mobile operators to offer integrated data and voice services over mobile
networks. The latter, WiFi, refers to the 802.11b wireless Ethernet standard that was designed to support
Obviously, there are efforts already in progress to improve risk management in the financial services industry initiated
by such bodies as the Financial Stability Board and the G20. Many of these efforts are highly relevant, such as
the re-alignment of individual compensation with institutional and systemic goals. To avoid replication, our report
will not dwell further on initiatives already underway.
Foreseeing the potential risks of the disease, regulations, restrictions and prohibitions on imports from South
America were introduced and imposed in the 1950’s as required by Article IV in the Pacific Plant Protection
Agreement for the Asia and Pacific region. In addition, the Association of Natural Rubber Producing Countries
(ANRPC) introduced the ANRPC Agreement on SALB to complement the aforementioned agreement. The
International Rubber Research and Development Board (IRRDB) also carried out research and undertook
measures to exclude SALB from the region.
ECG with no association between the QRS complex and the P wave. The child is
often symptomatic, presenting with acute collapse. Ventricular tachyarrhythmias are
often associated with underlying heart disease such as cardiomyopathy. Torsades de
Pointes is a particular form of sinusoidal ventricular arrhythmia that occurs in the rare
congenital long QT syndrome.
In 1994-95 the national coordinator was addressed by a national teachers’ association with the
request to develop a model programme for kindergartens which represent an independent
educational institution within the Czech educational system. The model programme was meant to
become a practical tool for kindergartens that would help them structure their own projects. At that
time, elementary schools had no health promoting school model programme.
Stratified medicine relies heavily on data analysis and the amount of medically relevant
data that are available electronically increases dramatically. However, these data are
generated in complex forms and are acquired and recorded in various ways. Incompatibility
among research databases, electronic medical records and laboratory information
management systems is then an issue. The challenge is to organise electronic data and to
make them usable for research.
The trend in typical calls to our Regulatory Helpline shows a growing maturity in
BSA/AML compliance. It is important to remember that the BSA/AML regulatory
scheme is still relatively young; SAR filing for depository institutions has only been
in place since 1996, and more recently for other industries. Nevertheless, we can
see from the types of calls we get that compliance professionals are becoming more
comfortable with the technical aspects of filing and are focusing more on how to
work more effectively with law enforcement to help catch criminals.
It is often said that computers are revolutionizing science and engineering.
By using computers we are able to construct complex engineering
designs such as space shuttles. We are able to compute the properties
of the universe as it was fractions of a second after the big bang. Our
ambitions are ever-increasing. We want to create even more complex
designs such as better spaceships, cars, medicines, computerized cellular
phone systems, and the like. We want to understand deeper aspects
of nature. These are just a few examples of computer-supported modeling