scholarly journals Suitability Checks and Household Investments in Structured Products

2015 ◽  
Vol 50 (3) ◽  
pp. 597-622 ◽  
Author(s):  
Eric C. Chang ◽  
Dragon Yongjun Tang ◽  
Miao Ben Zhang
Keyword(s):  
Hong Kong ◽  
Empirical Evidence ◽  
Lower Risk ◽  
Financial Protection ◽  
Structured Products ◽  
Financial Products ◽  
Retail Investors ◽  
Using Data ◽  
The U.S

AbstractThe suitability of complex financial products for household investors is an important issue in light of consumer financial protection. The U.S. Dodd–Frank Act, for instance, mandates that distributors check suitability when selling structured products to retail investors. However, little empirical evidence exists on such transactions. Using data from Hong Kong, we find that investors purchase 8% more structured products, on average, when the suitability is not checked. The effect of suitability checks is more pronounced for less financially literate investors. Moreover, investors tend to buy products with lower risk-adjusted returns when product suitability is not checked.

scholarly journals Sexual Orientation, Femininity, and Attitudes Toward Menstruation Among Women: Implications for Menopause

2020 ◽  
Vol 4 (Supplement_1) ◽  
pp. 860-860
Author(s):  
Jes Matsick ◽  
Mary Kruk ◽  
Britney Wardecker
Keyword(s):  
Sexual Orientation ◽  
Empirical Evidence ◽  
Sexual Minority ◽  
Minority Women ◽  
Sexual Minority Women ◽  
Heterosexual Women ◽  
Norms And Values ◽  
Using Data ◽  
Traditional Femininity ◽  
The U.S

Abstract Women differ in how they psychologically respond to the end of menstruation and onset of menopause (Lorber & Moore, 2002); however, little empirical evidence exists for understanding how sexual orientation and gendered dynamics contribute to menopausal experiences. Do women’s attitudes toward the cessation of menstruation vary by sexual orientation? Using data from the Midlife in the U.S. Study (MIDUS, Wave 2; N=2,951), we test how sexual orientation relates to attitudes toward menstruation cessation through norms and values surrounding womanhood (i.e., “traditional femininity concerns,” such as worries about fertility and attractiveness). Cisgender heterosexual women, compared to sexual minority women, expressed greater regret of menstrual periods ending, and heterosexual women’s heightened concerns about traditional femininity mediated the association between sexual orientation and regret, b=-.09, 95%CI [-.176,-.008]. This research yields implications for understanding aging stigma and women’s health, and we discuss how menopause may be differently experienced by women based on sexual orientation.

Immigration and the tech industry: As a labour shortage remedy, for innovation, or for cost savings?

2013 ◽  
Vol 10 (2) ◽  
pp. 201-227 ◽  
Author(s):  
Norman Matloff
Keyword(s):  
Immigration Policy ◽  
Brain Drain ◽  
Cost Savings ◽  
Foreign Workers ◽  
Service Firms ◽  
It Service ◽  
Labour Shortage ◽  
Labour Costs ◽  
Using Data ◽  
The U.S

The two main reasons cited by the U.S. tech industry for hiring foreign workers--remedying labour shortages and hiring "the best and the brightest"--are investigated, using data on wages, patents, and R&D work, as well as previous research and industry statements. The analysis shows that the claims of shortage and outstanding talent are not supported by the data, even after excluding the Indian IT service firms. Instead, it is shown that the primary goals of employers in hiring  foreign workers are to reduce labour costs and to obtain "indentured" employees. Current immigration policy is causing an ‘Internal Brain Drain’ in STEM.

Effect of networks on product innovation: empirical evidence from Indonesian SMEs

2013 ◽  
Vol 1 (2) ◽  
pp. 140-158 ◽  
Author(s):  
Nurul Indarti ◽  
Theo Postma
Keyword(s):  
Empirical Evidence ◽  
Product Innovation ◽  
Dynamic Effects ◽  
Depth Of Knowledge ◽  
External Knowledge ◽  
Software Firms ◽  
Using Data

Innovative companies generally establish linkages with other actors and access external knowledge in order to benefit from the dynamic effects of interactive processes. Using data from 198 furniture and software firms in Indonesia, this study shows that the quality of interaction (i.e. multiplexity) as indicated by the depth of knowledge absorbed from various external parties and intensity of interaction (i.e., tie intensity) are better predictors of product innovation than the diversity of interaction.

Momentum Effect in Stock Market: Empirical Evidence from Pakistan Stock Exchange

2019 ◽  
Vol 12 (1) ◽  
Author(s):  
Shahid Rasheed ◽  
Umar Saood ◽  
Waqar Alam
Keyword(s):  
Stock Market ◽  
Empirical Evidence ◽  
Stock Markets ◽  
Stock Exchange ◽  
Momentum Effect ◽  
Using Data

This study aims to examine the momentum effect presence in selected stocks of Pakistan stock market using data from Jan 2007 to Dec 2016. This study constructed the strategies includes docile, equal weighted and full rebalancing techniques. Data was extracted from the PSX – 100 index ranging from 2007 to 2016. STATA coding ASM software was used for calculating momentum portfolios, finally top 25 stocks were considered as a winner stocks and bottom 25 stocks were taken as a loser stocks. In conclusion, the results of the study found a strong momentum effect in Pakistan stock exchange PSX 100- index. As by results it has been observed that a substantial profit can earn by the investors or brokers in constructing a portfolio with a short formation period of three months and hold for 3, 6 and 12 months. There is hardly a study is present on the same topic on Pakistan Stock Exchange as preceding studies were only conducted on individual stock markets before merger of stock markets in Pakistan while this study leads the explanation of momentum phenomenon in new dimension i.e. Pakistan Stock Exchange. Keywords: Momentum, Portfolio, Winner Stocks, Loser Stocks

scholarly journals Temporal trends and variation in out-of-pocket expenditures and patient cost sharing: evidence from a Chinese national survey 2011–2015

2021 ◽  
Vol 20 (1) ◽  
Author(s):  
Vicky Mengqi Qin ◽  
Yuting Zhang ◽  
Kee Seng Chia ◽  
Barbara McPake ◽  
Yang Zhao ◽  
...  
Keyword(s):  
Prescription Drugs ◽  
Cost Sharing ◽  
Temporal Trends ◽  
Absolute Amount ◽  
Financial Protection ◽  
Patient Cost ◽  
Older Chinese ◽  
Using Data ◽  
Reported Data ◽  
The Relationship

Abstract Objectives This study aims to examine: (1) temporal trends in the percentage of cost-sharing and amount of out-of-pocket expenditure (OOPE) from 2011 to 2015; (2) factors associated with cost-sharing and OOPE; and (3) the relationships between province-level economic development and cost-sharing and OOPE in China. Setting A total of 10,316 adults aged ≥45 years from China followed-up from 2011 to 2015 were included in the analysis. We measured two main outcome variables: (1) patient cost sharing, measured by the percentage of OOPE as total healthcare expenditure, and (2) absolute amount of OOPE. Results Based on self-reported data, we did not find substantial differences in the percentage of cost sharing, but a significant increase in the absolute amount of OOPE among the middle-aged and older Chinese between 2011 and 2015. The percentage of cost-sharing was considerably higher for outpatient than inpatient care, and the majority paid more than 80% of the total cost for prescription drugs. Provinces with higher GDP per capita tend to have lower cost-sharing and a higher OOPE than their counterparts, but the relationship for OOPE became insignificant after adjusting for individual factors. Conclusion Reducing out-of-pocket expenditure and patient cost sharing is required to improve financial protection from illness, especially for those with those with chronic conditions and reside in less developed regions in China. Ongoing monitoring of financial protection using data from various sources is warranted.

Language Teaching during a Pandemic: A Case Study of Zoom Use by a Secondary ESL Teacher in Hong Kong

RELC Journal ◽  
2021 ◽  
pp. 003368822098178
Author(s):  
Anisa Cheung
Keyword(s):  
Professional Development ◽  
Hong Kong ◽  
Technology Integration ◽  
Online Teaching ◽  
Pedagogical Beliefs ◽  
Structured Interviews ◽  
Online Mode ◽  
Using Data ◽  
Synchronous Online

This article reports a case study of an English as a Second Language (ESL) teacher in Hong Kong who conducted lessons via Zoom during the COVID-19 pandemic. The study focused on the factors influencing her technology integration in synchronous online teaching mode. Using data from classroom recordings, stimulated-recall and semi-structured interviews, this study uncovered how Zoom functioned as a substitute for face-to-face lessons. The findings revealed that although there were fewer interactions between the teacher and her students, teaching in synchronous online mode provided the teacher with opportunities to utilize certain online features to augment methods of checking student understanding. The study identified the teacher’s pedagogical beliefs, the context and professional development as factors that influenced the level of technology integration in her Zoom classes. The study concludes that embracing process-oriented pedagogies may be necessary for a higher level of technology integration among ESL teachers who have adequate professional development opportunities and school support.

scholarly journals Cannulation technique and complications in arteriovenous fistulas: a Swedish Renal Registry-based cohort study

2021 ◽  
Vol 22 (1) ◽  
Author(s):  
Karin Staaf ◽  
Anders Fernström ◽  
Fredrik Uhlin
Keyword(s):  
Cohort Study ◽  
Lower Risk ◽  
Rate Ratio ◽  
Incidence Rate Ratio ◽  
National Registry ◽  
The Other ◽  
Arteriovenous Fistulas ◽  
Cannulation Technique ◽  
Using Data ◽  
The Relationship

Abstract Background The four cannulation techniques, rope ladder (RL), area puncture (AP), buttonhole with blunt needles (BHb), and buttonhole with sharp needles (BHs), affects the arteriovenous fistula (AVF) in different ways. The aim of this study was to describe the relationship between the different cannulation techniques and the occurrence of AVF complications. Methods The study was performed as a national registry-based cohort study using data from the Swedish Renal Registry (SRR). Data were collected from January 2014 to October 2019. Seventy of Sweden’s dialysis units participate in the registry. We analyzed a total of 1328 AVFs in this study. The risk of complications was compared between the four different cannulation techniques. The risk of AVF complications was measured by the incidence and incidence rate ratio (IRR). We compared the IRRs of complications between different cannulation techniques. Results BHs is the most common cannulation technique in Sweden. It has been used in 55% of the AVFs at some point during their functional patency. BHb (29%), RL (13%), and AP (3%) has been used less. BHb had the lowest risk of complications compared to the other techniques, and a significantly lower risk of stenosis, infiltration, cannulation difficulties, compared to RL and BHs. Cannulation difficulties were significantly more common using AP compared to BHs, and BHb. Infections were not significantly increased using the buttonhole technique. Conclusions BHb had the lowest risk of complications. Infections were not significantly increased using the buttonhole technique. Dialysis units with a low infection rate may continue to use the buttonhole technique, as the risk of complications is lower.

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