Choosing a Financial Advisor

2017 ◽  
Author(s):  
Hugh Hoikwang Kim ◽  
Raimond Maurer ◽  
Olivia S. Mitchell
Keyword(s):  
Empirical Analysis ◽  
Retirement Planning ◽  
Pension Plans ◽  
Reference Points ◽  
Specific Reference ◽  
Defined Contribution ◽  
Advice Seeking ◽  
Financial Advisor ◽  
Seeking Behavior ◽  
The Empirical Analysis

This chapter examines advice-seeking by defined contribution plan participants as they approach retirement, focusing upon the categories, correlates, and timing of advice-seeking. The empirical analysis utilizes a large Australian database, identifies the drivers of advice-seeking behavior, and, most importantly, pinpoints age-specific reference points that appear to prompt participants to seek advice about retirement planning from the plan administrator. The authors analyze the patterns of advice-seeking by older participants, focusing upon the topics raised and determinants of advice-seeking discriminating between the effects of age, gender, and account balances on retirement planning. An important aspect of the chapter concerns whether there is evidence of an increasing focus on retirement as participants go from 45–9 years to 65 years or older. Implications are drawn for the design of pension plans as regards their engagement with older participants.

Financial literacy and retirement planning in chile

2015 ◽  
Vol 15 (2) ◽  
pp. 203-223 ◽  
Author(s):  
NATALIA GARABATO MOURE
Keyword(s):  
Financial Literacy ◽  
Financial Education ◽  
Retirement Planning ◽  
Pension Plans ◽  
Defined Contribution ◽  
Substantial Impact ◽  
The Core ◽  
Retirement Policy ◽  
Compound Interest ◽  
The Relationship

AbstractThis paper studies the relationship between financial literacy and retirement planning in Chile, a country with mandatory defined contribution pension plans at the core of its retirement policy. Using a novel dataset, we find that very few Chileans are planning for their retirement and that the levels of financial literacy are remarkably low with only 47% of the population understand compound interest and only 18% understand the concept of inflation. We also find a positive and significant relationship between financial literacy and retirement planning suggesting that investments in financial education could have a substantial impact on the way people think about retirement and therefore on their ability to reach retirement with adequate resources.

The Word Class Adjective in English Business Magazines Online

2018 ◽  
Vol 6 (2) ◽  
pp. 99-115
Author(s):  
Borislav Marušić ◽  
Sanda Katavić-Čaušić
Keyword(s):  
Empirical Study ◽  
Empirical Analysis ◽  
Word Formation ◽  
Word Class ◽  
Business English ◽  
Starting Point ◽  
Comprehensive Picture ◽  
English Syntax ◽  
The Empirical Analysis ◽  
Insight Into

Abstract The aim of this paper is to research the word class adjective in one sequence of the ESP: Business English, more precisely English business magazines online. It is an empirical study on the corpus taken from a variety of business magazines online. The empirical analysis allows a comprehensive insight into the word class adjective in this variety of Business English and makes its contribution to English syntax, semantics and word formation. The syntactic part analyses the adjective position in the sentence. The semantic part of the study identifies the most common adjectives that appear in English business magazines online. Most of the analysis is devoted to the word formation of the adjectives found in the corpus. The corpus is analysed in such a way that it enables its division into compounds, derivatives and conversions. The results obtained in this way will give a comprehensive picture of the word class adjective in this type of Business English and can act as a starting point for further research of the word class adjective.

ICT SMEs, Performance, Absorptive Capacity and Transformative Capacity

2019 ◽  
Vol 118 (3) ◽  
pp. 178-188
Author(s):  
Yeon-Sung Cho ◽  
Kyung-Il Khoe
Keyword(s):  
Firm Performance ◽  
Market Orientation ◽  
Empirical Analysis ◽  
Absorptive Capacity ◽  
Latent Variables ◽  
Equation Modeling ◽  
Transformative Capacity ◽  
The Impact ◽  
The Empirical Analysis ◽  
Innovative Capacity

This study intends to integrate the relationship of market orientation, innovative capacity and firm performance to Information and Communication Technology(ICT) SMEs. The purpose of this study is to identify the role of absorptive capacity and transformative capacity that affect the performance of ICT SMEs. Hypotheses were established between five latent variables. A total of six hypotheses were established including the moderated effects of absorptive capacity and transformative capacity. Of the data collected after the survey, 112 valid surveys were selected as the final sample, except for 17 questionnaires with high non - response and insincere response. The empirical analysis of this study used smartpls3.0, Partial Least Squares (PLS), a variance-based structural equation modeling. The empirical analysis of this study revealed that the impact of market orientation on innovative capacity was significant. Moreover, the innovative capacity had a positive effect on the performance of ICT SMEs. In addition, the absorptive activity had a positive moderated effect between the market orientation and the innovative capacity. On the other hand, the transformative capacity showed a positive moderated effect in relation to innovative capacity and firm performance. Our empirical results have demonstrated the importance of knowledge based capacity in the ICT SMEs.

Effect of Field Setup on Accuracy of Traffic Data Collection Using Machine Vision Technology

2002 ◽  
Vol 1804 (1) ◽  
pp. 62-66 ◽  
Author(s):  
Sunita Nadella ◽  
Lloyd A. Herman
Keyword(s):  
Machine Vision ◽  
Focal Length ◽  
Reference Points ◽  
Specific Reference ◽  
Traffic Data ◽  
Video Traffic ◽  
Vertical Angle ◽  
Traffic Data Collection ◽  
Camera Position ◽  
Parameter Ranges

Video traffic data were collected in 24 combinations of four different camera position parameters. A machine vision processor was used to detect vehicle speeds and volumes from the videotapes. The machine vision results were then compared with the actual vehicle volumes and speeds to give the percentage errors in each case. The results of the study provide a procedure with which to establish camera position parameters with specific reference points to help machine vision users select suitable camera positions and develop appropriate measurement error expectations. The camera position parameters that were most likely to produce the least overall volume and speed errors, for the specific site and field setup with the parameter ranges used in this study, were the low height of approximately 7.6 m (25 ft), with an upstream orientation (traffic moving toward the camera), a 50-mm (midangle) focal length, and a 15° vertical angle.

OPTIMIZATION OF SURGICAL-ORTHODONTIC TREATMENT TACTICS IN PATIENTS WITH IMPACTED TEETH

2019 ◽  
Vol 72 (5) ◽  
pp. 838-845
Author(s):  
Pavlo I. Tkachenko ◽  
Maryna I. Dmytrenko ◽  
Mykola O. Cholovskyi
Keyword(s):  
Orthodontic Treatment ◽  
Objective Assessment ◽  
Optimal Path ◽  
Reference Points ◽  
Permanent Teeth ◽  
Diagnostic Process ◽  
Specific Reference ◽  
Dental Arch ◽  
Impacted Tooth ◽  
Impacted Teeth

Introduction: Impacted teeth is complex anomaly of teeth eruption that requires a balanced approach not only in the differential diagnosis of its forms, but choice of rational methods of treatment. The aim: Optimization of the tactics of orthodontic-surgical treatment of patients with impacted teeth based on the development and implementation of computed tomographic indices (KT) and photometric indices (FM) of opening of surgical access (OSA) to crowns of impacted teeth Materials and methods: The results of treatment of 48 patients with delay of permanent teeth eruption have been analyzed. For an objective assessment of treatment results, a group of 24 (aged from 9 to 19 years old ) was formed. All 24 patients had typical clinical situation. Results: Orthodontic correction of patients envisaged, first of all, the elimination of obstacles in the way of teeth eruption, if necessary to provide space in dental arch and simultaneous treatment of associated bite malocclusions. Surgical exposure of impacted tooth crown was carried out and at the same time a triangular shaped guiding channel was formed, base of channel was at the impacted tooth and its angle finished into the dental arch. Precise dimensions and depth of the channel were preliminary planed on computed tomography slices with 3D reconstruction. Mean values of CT width (7,13±0,54mm), and length (6,42±0,78mm) of OSA and CT index (130,79±8,19%) of OSA to impacted teeth crowns were determined. Conclusion: To improve the quality of diagnosis and optimization of methodological approaches to treatment of patients with teeth impaction, we have proposed CT and FM OSA indices to the crowns of impacted teeth. The developed indices serve as specific reference points for optimization of diagnostic process, for reducing of probability of repeated surgical interventions and choosing the optimal path for instrumental orthodontic treatment of patients with impacted teeth

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