Search results for "Pensions"
showing 10 items of 77 documents
Sales Channels and Media Digitalization Impact on People Voluntary Savings for Retirement
2019
Due to the implementation of new technologies and orientation on digital solutions the communication and sales channels have changed dramatically. Information and client service on-line availability presents strong advantages for business, state agencies as well as customers. However, lack of personal interaction during the communication and sales process can make it difficult for people to understand and even frustrate their desire for a product or service. The purpose of the research is to analyse the digitalization impact on voluntary savings for retirement in Latvia and make comparisons with other countries. The voluntary pension schemes are the part of pension system and its third pill…
La revisión salarial ante la desaparición del IPC previsto de la LPGE y con un año en deflación (IPC real negativo)
2015
Las cláusulas de revisión salarial, a pesar de su menor uso en la actualidad, siguen siendo el principal referente al que acuden los agentes sociales para modificar el salario durante la vigencia del convenio colectivo. Sin embargo, durante la crisis económica los cambios de tendencia de la inflación y las modificaciones legislativas han creado una serie de conflictos jurídicos que aquí se pretenden analizar. En primer lugar, la aparición del 'índice de revalorización de las pensiones' ha dejado sin funcionalidad práctica la solución que en los últimos años venía dando el Tribunal Supremo para llenar de contenido la expresión convencional 'IPC previsto por el Gobierno'. Sumado a ello, la ex…
Field-induced ordering phenomena and non-local elastic compliance in two-dimensional colloidal crystals
2008
Ordering phenomena in colloidal dispersions exposed to external one-dimensional, periodic fields or under confinement are studied systematically by Monte Carlo computer simulations. Such systems are useful models for the study of monolayers on a substrate. We find that the interaction with a substrate potential completely changes the miscibility of a binary, hard disc mixture at low external field amplitudes. The underlying ordering mechanisms leading to this laser-induced de-mixing differ, depending on which components interact with the substrate potential. Generic effects of confinement on crystalline order in two dimensions are studied in a model system of point particles interacting via…
Clustering and viscosity in a shear flow of a particulate suspension
2003
A shear flow of particulate suspension is analyzed for the qualitative effect of particle clustering on viscosity using a simple kinetic clustering model and direct numerical simulations. The clusters formed in a Couette flow can be divided into rotating chainlike clusters and layers of particles at the channel walls. The size distribution of the rotating clusters is scale invariant in the small-cluster regime and decreases rapidly above a characteristic length scale that diverges at a jamming transition. The behavior of the suspension can qualitatively be divided into three regimes. For particle Reynolds number Re(p) less than or approximately equal 0.1, viscosity is controlled by the char…
Poiseuille flow of a Quincke suspension
2014
The controversy of models of dielectric particle suspensions with antisymmetric stress, which predict a nonphysical cusp of the velocity profile in plane Poiseuille flow under the action of the electrical field, is resolved. In the mean-field approximation, the nonlinear kinetic equation is derived for coupled due to the flow translational and rotational motion of the particles. By its numerical solution, it is shown that the velocity profile is smeared due to the translational diffusion of the particles with opposite directions of rotation. The obtained results for the velocity profiles and flow rates as a function of the electric field strength are in qualitative agreement with the existi…
On the Reduction of Power Consumption in Vortexing Unbaffled Bioslurry Reactors
2020
Bioremediation of polluted soils via bioslurry reactors is an interesting option among those available nowadays, especially when recalcitrant pollutants are present. Vortexing unbaffled stirred tanks may be a valuable choice to this purpose as they were recently found to be more efficient than baffled vessels for solid suspension processes where mixing time is not a controlling factor. When operated at sufficiently high agitation speeds, the central vortex bottom reaches the impeller and air bubbles start to be distributed throughout the system, thus avoiding any sparger and related clogging issues. In the present work, a vortexing unbaffled stirred tank with solid loadings ranging from 2.5…
Which factors affect the choice of the inhaler in chronic obstructive respiratory diseases?
2015
Inhalation is the preferred route of drug administration in chronic respiratory diseases because it optimises delivery of the active compounds to the targeted site and minimises side effects from systemic distribution. The choice of a device should be made after careful evaluation of the patient's clinical condition (degree of airway obstruction, comorbidities), as well as their ability to coordinate the inhalation manoeuvre and to generate sufficient inspiratory flow. These patient factors must be aligned with the specific advantages and limitations of each inhaler when making this important choice. Finally, adherence to treatment is not the responsibility of the patient alone, but should …
High-Generation Amphiphilic Janus-Dendrimers as Stabilizing Agents for Drug Suspensions
2018
Pharmaceutical nanosuspensions are formed when drug crystals are suspended in aqueous media in the presence of stabilizers. This technology offers a convenient way to enhance the dissolution of poorly water-soluble drug compounds. The stabilizers exert their action through electrostatic or steric interactions, however, the molecular requirements of stabilizing agents have not been studied extensively. Here, four structurally related amphiphilic Janus-dendrimers were synthesized and screened to determine the roles of different macromolecular domains on the stabilization of drug crystals. Physical interaction and nanomilling experiments have substantiated that Janus-dendrimers with fourth gen…
Social capital, public expenditure and the quality of provision. The Sicilian experience
2013
L'articolo si inserisce all’interno del dibattito sul divario nella qualità dei servizi fra Nord e Sud d’Italia che recentemente è tornato a concentrarsi sul tema del capitale sociale, con lo scopo di ricostruire i processi attraverso i quali il capitale sociale influenza i rendimenti istituzionali, di qualificare la natura del nesso esistente, la sua variabilità nel tempo e fra diversi settori di intervento. A questo scopo l'articolo sviluppa una analisi fra i settori della sanità e della formazione professionale negli ultimi dieci anni in Sicilia. Questo articolo si inserisce all'interno del dibattito sul divario nella qualità dei servizi fra Nord e Sud d'Italia che recentemente è tornato…
Does the Pension System’s Income Statement Really Matter? A Proposal for An NDC Scheme with Disability and Minimum Pension Benefits
2019
This paper develops a full accounting model for monitoring the solvency of a notional defined contribution (NDC) pension scheme with disability and minimum pension benefits. Using the annual report of the Swedish pension system as a benchmark (TSPS, 2019), we extend the “Swedish” actuarial balance developed by Perez-Salamero et al. (2017) by adding an income statement which fully explains the reasons behind the changes in the system’s solvency by type of benefit. In line with the reference model, assets and liabilities are measured at present value at each reporting date, and changes in present value are reported in each period as income or expenses and are included on the income statement.…