Investment Provider Comparison Retirement Investors' Club, 2005

The Retirement Investors’ Club (RIC) (also referred to as 457/401(a) deferred compensation) is a voluntary retirement savings program designed to help you meet your need for income at retirement and lower your current income taxes. Your contributions to RIC are automatically withdrawn from your paycheck and you are credited with an employer match. You may enroll*and make changes at any time. Other advantages are explained below…keep reading about this excellent employee benefit!

RIC Plan Summary Retirement Investors' Club, 2005

The Retirement Investors’ Club (RIC) (also referred to as 457/401(a) deferred compensation) is a voluntary retirement savings program designed to help you meet your need for income at retirement and lower your current income taxes. Your contributions to RIC are automatically withdrawn from your paycheck and you are credited with an employer match. You may enroll*and make changes at any time. Other advantages are explained below…keep reading about this excellent employee benefit!

Iowa Lottery VIP Club Connection, Aug. 2007, vol. 7, no. 3

Iowa Lottery newsletter for VIP Club members.

Iowa Lottery VIP Club Connection, Nov. 2007, vol. 7, no. 4

Iowa Lottery newsletter for VIP Club members.

RecA-mediated strand exchange traverses substitutional heterologies more easily than deletions or insertions.

RecA protein in bacteria and its eukaryotic homolog Rad51 protein are responsible for initiation of strand exchange between homologous DNA molecules. This process is crucial for homologous recombination, the repair of certain types of DNA damage and for the reinitiation of DNA replication on collapsed replication forks. We show here, using two different types of in vitro assays, that in the absence of ATP hydrolysis RecA-mediated strand exchange traverses small substitutional heterologies between the interacting DNAs, whereas small deletions or insertions block the ongoing strand exchange. We discuss evolutionary implications of RecA selectivity against insertions and deletions and propose a molecular mechanism by which RecA can exert this selectivity.

A motivação e satisfação organizacional como factores essenciais de conquista de melhores resultados empresariais: Estudo de caso no Hotel Marine Club Beach Resort

A motivação no âmbito organizacional está relacionada à qualidade de desempenho e esforços de seus colaboradores, constituindo a energia motriz para atingir os resultados desejados. Com a chegada da globalização, o avanço tecnológico, aumento da competitividade entre as empresas, custos de contratação, treinamentos e processo de automação industrial, a exigência do melhor desempenho de seus colaboradores está cada vez maior. Por esse motivo, as empresas estão sempre buscando alternativas que motivem seus colaboradores, com o intuito de proporcionar um melhor clima organizacional e desempenho dos seus profissionais. O presente trabalho tem por objectivo estudar a satisfação dos trabalhadores como factores essenciais de motivação e sucesso empresarial no Hotel Marine Club Beach Resort, da ilha de Boa vista. Além de se valorizar o conhecimento técnico e científico do profissional é igualmente importante ter em consideração estas condicionantes (satisfação e motivação no trabalho), que embora sejam de carácter psicológico e emocional, desempenham um papel preponderante na produtividade do trabalhador, acabando por influenciar o sucesso de qualquer empresa. Conclui-se que o grau de motivação e satisfação do hotel é bom, o ambiente organizacional também é satisfatório mas é preciso que o hotel melhora as políticas de gestão tais como, benefícios em relação a promoções, salários e valorização do colaborador para mantê-los motivados e satisfeitos no trabalho.

El desarrollo de un puerto pesquero modelo en el departamento de Lambayeque. Conferencia dada el día 15 de enero 1964 en el Club Lambayeque, Lima

Exposición presentada sobre el desarrollo de un puerto pesquero donde se han estudiado las condiciones y las características de la costa, conociendo sus riquezas ictiológicas de la zona por la pesca de varios cientos de años.

Altruism, equity and reciprocity in a gift-exchange experiment: An encompassing approach

Considerable experimental evidence suggests that non-pecuniary motivesmust be addressed when modeling behavior in economic contexts. Recentmodels of non-pecuniary motives can be classified as either altruism-based, equity-based, or reciprocity-based. We estimate and compareleading approaches in these categories, using experimental data. Wethen offer a flexible approach that nests the above three approaches,thereby allowing for nested hypothesis testing and for determiningthe relative strength of each of the competing theories. In addition,the encompassing approach provides a functional form for utility in different settings without the restrictive nature of the approaches nested within it. Using this flexible form for nested tests, we findthat intentional reciprocity, distributive concerns, and altruisticconsiderations all play a significant role in players' decisions.

Responsibility-allevation and effort provision in a gift-exchange experiment

Previous indirect evidence suggests that impulses towards pro-socialbehavior are diminished when an external authority is responsiblefor an outcome. The responsibility-alleviation effect states that ashift of responsibility to an external authority dampens internalimpulses toward honesty, loyalty, or generosity. In a gift-exchangeexperiment, we find that subjects respond with more generosity(higher effort) when a wage is determined by a random process thanwhen it is assigned by a third party, indicating that even a slightshift in perceived responsibility for the final payoffs can changebehavior. Responsibility-alleviation is a factor in economicenvironments featuring substantial personal interaction.

Monetary policy and exchange rate volatility in a small open economy

We lay out a small open economy version of the Calvo sticky price model, and show how the equilibrium dynamics can be reduced to simple representation in domestic inflation and the output gap. We use the resulting framework to analyze the macroeconomic implications of three alternative rule-based policy regimes for the small open economy: domestic inflation and CPI-based Taylor rules, and an exchange rate peg. We show that a key difference amongthese regimes lies in the relative amount of exchange rate volatility that they entail. We also discuss a special case for which domestic inflation targeting constitutes the optimal policy, and where a simple second order approximation to the utility of the representative consumer can be derived and used to evaluate the welfare losses associated with the suboptimal rules.

Earnings management in Spain. Some evidence from companies quoted in the Spanish stock exchange

After the accounting scandals that have taken place mainly in the UnitedStates during the last years, some Spanish leading authorities havedefended the idea that this kind of accounting problems cannot happen inSpain. They argue that accounting regulation in Europe, and specificallyin Spain, make more difficult the use of creative accounting practices.The objective of this paper is to identify some evidence about thesituacion in Spain. The study tries to demonstrate that some accountingpractices of several of the companies quoted in the Spanish Stock Exchangecould be qualified as earnings management.To carry out this study, the authors have analysed the accounts of the 35companies included in the stock market index IBEX 35. This index iscalculated with the share prices variations of the most importantcompanies quoted in the Spanish Stock Exchange.