A bizonytalanságnak és a vevőkör nagyságának együttes hatása az árakra (Investigating how the number of policies effect the optimum insurance premium)

Ebben a cikkben azzal foglalkozom, hogy a kockázat és a vevőkör nagysága együttesen hogyan hat a termék árára. Kétféle piacot hasonlítok össze: egy biztosítási piacot, és egy termékpiacot. A kétféle piac között az a legfontosabb különbség, hogy termékpiac esetében az eladó számára csak ott jelentkezik kockázat, hogy el tudja-e adni a terméket, míg biztosítási piac esetében az eladó a termék értékesítése után is szembesül kockázattal. A cikk során megmutatom, hogy a vevőkör növekedésének ellentétes hatása lehet a termék árára termék- illetve biztosítási piacok esetében. / === / An economic approach for modeling the insurance markets. The study focuses on the monopolistic market, where one insurance company sells a product with predetermined benefits for the customers. An outline of the company and the insureds' behavior with utility functions is given. The study investigates the problem of policy pricing in relation to the number of clients the company acquires. Analytic tools will be used to further clarify the points.

Kornai’s DRSE Theory Versus General Equilibrium Theory

János Kornai’s DRSE theory (Kornai, 2014) follows the ex post model philosophy which radically rejects the ex ante set of conditions laid down by the dominant neoclassical school and the stringent limits of equilibrium, and defines its own premises for the functioning of capitalist economy. In other words, the DRSE theory represents an extremely novel trend among the various schools of economics. The theory is still only a verbal model with the following supporting pillars as the immanent features of the capitalist system: dynamism, rivalry and the surplus economy. (The English name of the theory uses the initial letters of the terms Dynamism, Rivalry, Surplus Economy). The dominance of the surplus economy, that is, oversupply is replaced by monopolistic competition, uncertainty over the volume of demand, Schumpeterian innovation, dynamism, technological progress, creative destruction and increasing return to scale with rivalry between producers and service providers for markets. This paper aims to examine whether the DRSE theory can be formulated as a formal mathematical model. We have chosen a special route to do this: first we explore the unreal ex ante assumptions of general equilibrium theory (Walras, 1874; Neumann, 1945), and then we establish some of the possible connections between the premises of DRSE, which include the crucial condition that just like in biological evolution, there is no fixed steady state in the evolutionary processes of market economy, not even as a point of reference. General equilibrium theory and DRSE theory are compared in the focus of Schumpeterian evolutionary economics.

Savages into citizens: Families, political purge, and reconciliation in Cordoba, Argentina, 1820--1862

This dissertation explores the political exclusion and reintegration of families and individuals in Córdoba, Argentina during the early nineteenth-century. Part one is an examination of how Federals in Córdoba managed the process of political identification and purge. Federals set up ad hoc institutions that were responsible for targeting political subversives within provincial communities. From 1831 to 1852, Federals managed to target, or “classify,” over 400 individuals and families in various towns and villages as “savage Unitarians,” a political label that meant the certain loss of rights, property, exile, and worse. Federals also sought active participation among “citizens” from all levels of society. Thus, I argue that the process of correctly identifying a “savage Unitarian” in Córdoba was constantly subject to modification at the local level. I also reconstruct the stories of accused families as they struggled to survive the political purges. Many of the families were large landowners and wealthy merchants, confirming that early republican Argentine political struggles were often intra-elite affairs. However, the “classified” individuals and families also represented a variety of socio-economic, ethnic, and racial groups. ^ The second part of this study focuses on families who petitioned Federal authorities for the restitution of rights and property. They proclaimed their loyalty to the “Federal cause,” and often, they had friends and family who could vouch for their claims. These petitions forced Federal authorities to doubt the precision of political identification and re-think how the ideology of Federalism was defined. Authorities granted most requests for repatriation, thereby creating a process of reintegration that included amnesty and restitution. Yet, this system failed to repair the psychological, emotional, materials, and political effects of political purge. Conflicts between society and state led to numerous misunderstandings about what restitution, justice, and reconciliation meant. The new regime's leaders more often denied restitution claims to formerly accused families and individuals, demonstrating that the journey from “savage” to citizen left an indelible imprint on family life in mid-nineteenth century Argentina. ^

O papel do centro histórico na cidade: um estudo comparativo entre João Pessoa e Tours

In the contemporary scene, it is conspicuous that the patrimony and the culture have assumed privileged positions in urban policies, presenting themselves as instruments for transforming and shaping the aspect of cities. In the plot line of such glowing trend, the competitiveness among cities has drawn more attention, for at present such urban centers garner an image that makes them suitable for economic purposes, thus more likely to attract investments and tourists. In the spotlight of such stage, the cities become notable actors, directed by policies of urban rehabilitation. In such plot line, the historical centers gain more visibility and are converted into venues for staging the spectacle of everyday life. Overlapped in this process of producing images, the phenomenon of gentrification recrudesces. Thus, the discussion threaded about the patrimony gains strength in urban studies, keeping a close relationship with the ways of perceiving the cities nowadays. This work is based on the principle that the historical centers are engendered and fond by urban policies, working as transforming instruments of city perceptions and living. In that sense, the way how the historic center and the valuation assessed to old buildings are comprehended by the inhabitants is largely guided by urban policies that outline a sellable image of the city. In the light of such elaborations, an ethnographic research was made with focus on two different contexts, namely: the historic centers of João Pessoa (Brazil) and Tours (France). It was done in a comparative perspective, for it allows us to trace the main specificities of each situation in order to highlight the similarities and distinctions about the two regions mentioned above. The research aimed at apprehending how the pair redevelopment-abandonment engendered by the urban policies influence on the process of revaluation of historical centers by dwellers and to what extent there are convergences regarding such kinds of interventions, as an object of policies of urban and touristic development in Brazil and France. In order to make this work – besides the abundant bibliographic review carried out in libraries of several universities and institutions in Brazil and France – dwellers, merchants, teachers, representative people of public agencies and former residents of the historic centers of both cities were interviewed. In Tours, immigrants/Portuguese descendants were interviewed, point that greatly contributed to the understanding of the historic center before Vieux Tours renewal and restoration. Moreover a rich research on Archives and Public Agencies was done, as well as investigations on newspaper and articles on the Internet. Thus, in the context of the ethnography in historic centers, it was possible to notice that both realities reveal similarities in a comparative analytical framework

Situações geográficas em movimento nas praias da área de proteção ambiental de Jenipabu: das ideologias ambientais ao território usado pelo circuito inferior do turismo

The Área de Proteção Ambiental de Jenipabu was created by Decreto 12,620/95, covering the beaches of Redinha Nova, Santa Rita and Jenipabu and Campina communities in the municipality of Extremoz, and Africa community fragment, in Natal. This protected area was created in the context of expansion of tourism in Rio Grande do Norte, in the 1990s, in which PRODETUR investments made possible the installation of infrastructure equipment, mainly in the Via Costeira and Ponta Negra beach in Natal by inserting it in the sun and sea tourism route to Northeast Brazil. In this context the beach Jenipabu in Extremoz, became one of the main attractions for those visiting Natal, due to the natural elements of its landscape, its dune field, which is offered to tourists the buggy ride. In December 1994 the excess buggy rides held in these dunes led to IBAMA ban their access to buggy for carrying out environmental study. This measure resulted in the creation of APAJ in 1995 with the goal of ordering the use and occupation to protect its ecosystems, especially the dunes, the disordered tourism. Given this context, this work aims to analyze the process of creating the APAJ and changes in the geographic space of its beaches, Redinha Nova, Santa Rita and Jenipabu, from the materialization of tourism process, as well as their implications for its residents. To this end, this paper presents a discussion of environmental currents that developed in the western portion of the globe, focusing on the need to regulate small areas of the national territory in protected areas, and an analysis of public policies that enabled the implementation tourism in APAJ as well as the laws and decrees governing the process of creation and management. Using the theory of circuits of urban economy of the Santos (2008) to analyze the territory used by tourism on the beaches of Redinha Nova, Santa Rita and Jenipabu, showing their dependent relationship with the territory used by the upper circuit on the Via Costeira and in the Ponta Negra beach and its influence on the APAJ urbanization process. Ending with the analysis of the influence of the materialization of tourism in the transformation of stocks ways of being-in-space and space-be of the Santa Rita and Jenipabu beaches in each geographical situation of APAJ among the first decades of the twentieth century to the 2014. Fieldwork was conducted between 2012 and 2014, performing actions of qualitative interviews with older residents of Santa Rita and Jenipabu beaches, interviews with structured questionnaire with merchants of APAJ and collecting GPS points trades, identifying and mapping the territory used by the lower circuit in APAJ beaches.

Competição espacial no mercado de revenda da gasolina: uma análise nas principais cidades do Rio Grande do Norte

This study aims to analyze the relationship between average price with the concentration in the markets (municipalities) in the state of Rio Grande do Norte, is using a little tool applied to the Brazilian market is the spatial econometric model. A data base contains all the stations of the major cities in the state of Rio Grande do Norte and includes 142 observations on stations was used. Theoretical models predict the relationship between the number of competitors in a market and the average price; these theoretical models include: the monopolistic competition of Perloff and Salop (1985), and the search-theoretic, of Carlson and McAfee (1983) and Varian (1980). The empirical results showed that a higher density within a geographic area is associated with a lower average price, thus converging with the monopolistic competition model and with the search-theoretic of Carlson and McAfee (1983). The parameters varied little with the inclusion / exclusion of control variables, showing the robustness of them.

Determinants of International R&D Outsourcing: The Role of Trade

This paper investigates the determinants of international R&D outsourcing, in particular the role of trade. We construct a monopolistic competition model with heterogeneous firms where outsourcing increases a firm’s fixed transaction as well as its productivity. Financial constraints affect the decision to outsource R&D more to non-exporters than to exporters. In contrast, exporters are more sensitive to a lack of information because they have higher losses when there is technology leakage. We test these predictions using a panel database of Spanish companies. The results highlight the relevance of information in competitive markets, and the role of trade to induce companies to engage in other globalization strategies.

In and out of Africa

"During the colonial period in the 1920's, European interest in collecting African art stimulated a transnational trade between Africa and the West. Today this multi-million dollar trade lies largely in the hands of Muslim merchants. This is a story about Gabai Baare, a merchant who brings 'wood' from West Africa to sell in the United States. It is a story about the meaning of art"--Opening credits.

Developing a framework for mobile payments integration

This paper derives a theoretical framework for consideration of both the technologically driven dimensions of mobile payment solutions, and the associated value proposition for customers. Banks promote traditional payment instruments whose value proposition is the management of risk for both consumers and merchants. These instruments are centralised, costly and lack decision support functionality. The ubiquity of the mobile phone has provided a decentralised platform for managing payment processes in a new way, but the value proposition for customers has yet to be elaborated clearly. This inertia has stalled the design of sustainable revenue models for a mobile payments ecosystem. Merchants and consumers in the meantime are being seduced by the convenience of on-line and mobile payment solutions. Adopting the purchase and payment process as the unit of analysis, the current mobile payment landscape is reviewed with respect to the creation and consumption of customer value. From this analysis, a framework is derived juxtaposing customer value, related to what is being paid for, with payment integration, related to how payments are being made. The framework provides a theoretical and practical basis for considering the contribution of mobile technologies to the payment industry. The framework is then used to describe the components of a mobile payments pilot project being run on a trial population of 250 students on a campus in Ireland. In this manner, weaknesses in the value proposition for consumers and merchants were highlighted. Limitations of the framework as a research tool are also discussed.

Cork’s international trade during the first industrial revolution

This thesis explores the impact international trade and commercial agreements had on the economic and industrial development of Cork during the first industrial revolution. From the Act of Union onwards Cork moved from a region where trade became increasingly reliant on Britain at the expense of trade that had been cultivated over the eighteenth century with the Americas and Europe. The legislative underpinnings of Cork’s trade is the focus of this research and how this changed after the Act of Union. It begins by examining the transatlantic trade of Cork city and the issues faced in the West Indies trade due to the growth of the United States. It will also consider the impact of the Napoleonic Wars on Cork’s trade with both the Americas and continental Europe. The conclusion of the Napoleonic Wars saw the United Kingdom negotiate treaties and agreements that would have a direct impact upon Cork’s merchants. This thesis will address the degree to which the mercantile community in Cork were able to influence policy that directly impacted upon their trade networks. It will then examine the trade between Cork and the United Kingdom and assess the impact of the Union on the ability of Cork’s merchants to affect political change. The operation of the Committee of Merchants in Cork is detailed and their responses to the changing nature of international trade. The thesis finishes by examining the underdevelopment of Cork’s transportation networks. This work will place Cork’s international trade in both its national and international context and argues that Cork’s mercantile community were overly reliant on protectionist legislation to further Cork’s trade as opposed to investment in industrial development. Volumetric data on the trade of Cork city has been transcribed and made available in a relational database to support the arguments made in this thesis and to facilitate future research on this subject. This database is accessible at http://modernirishvenice.com/.

Las estatuas-menhir noroccidentales en contexto: conectividad y conexiones materiales durante el Bronce Tardío/Final

Este artículo analiza las estatuas-menhir noroccidentales que se distribuyen en el área comprendida entre los valles del río Duero y el río Miño, pero que descubrimientos recientes han extendido a regiones fuera de este área nuclear. Partiendo de tres aspectos claves para su interpretación (la cronología, su relación con el paisaje y su sentido iconográfico), se examinan las relaciones entre estas formas materiales y un paisaje socio-material de acción específico (las formas socio-materiales de interacción propias del Bronce final atlántico). Para ello, se tiene en cuenta diferentes conexiones materiales (presencia, encuentro, coexistencia, hibridación, etc.) que permiten contextualizar las estatuasmenhir dentro de un proceso histórico particular: la integración del noroeste de la península Ibérica en un contexto de relaciones mediterráneo-atlánticas, en la segunda mitad del II milenio a.C.

Fronteras en construcción: Diferenciación social y desterritorialización en el Sur ibérico (siglos IX-VI a.C.)

Durante las tres últimas décadas, numerosos/as arqueólogos/as han discutido extensamente sobre el ritual funerario original de las poblaciones del sur ibérico entre los siglos ix y vi a.c., esto es, cremación o inhumación. Este debate está además conectado con la existencia o no de complejidad social antes de la llegada fenicia, con la aparición de una élite “orientalizada” y con la adopción de nuevos objetos y prácticas por las poblaciones locales. En este artículo hago uso del concepto deleuziano de “desterritorialización” y lo asocio con el de “frontera” desarrollado por anzaldúa para interpretar la sociedad del sur ibérico. Para ello, analizo la evidencia funeraria indígena y cuestiono la división estricta entre cremación e inhumación en la región; así como examino la profundidad y significado de los cambios funerarios en las comunidades locales.

Los ungüentarios de alabastro en el Mediterráneo. Primer Milenio a. C.

A partir del hallazgo de un tipo particular de envases: ungüentarios y perfumarios en una nueva tumba en el territorio de Arados/Amrit, observamos cómo se incrementa la presencia de estos envases en tumbas de incineración e inhumación durante el primer milenio antes de Cristo en la cuenca mediterránea. Hemos elaborado una serie de análisis y discusiones sobre su distribución, cronología, significado y uso social, tratando de establecer una periodización de sus usos y una contextualización cultural y social dentro del ritual funerario y del uso de determinadas materias primas empleadas para su elaboración.

La estructuración del espacio urbano y productivo de Gadir durante la fase urbana clásica: Cambios y perduraciones

La reafirmación del modelo político-administrativo ciudadano tras la fase arcaica colonial abre una nueva etapa de prosperidad en la antigua fundación tiria. El esplendor de Gadir en el s. V a.C. se refleja en los textos clásicos y en los hallazgos arqueológicos y, sin embargo, nuestros conocimientos sobre el desarrollo histórico de la ciudad de época púnica son muy limitados. El horizonte arcaico comienza a esclarecerse tras los hallazgos del Teatro Cómico que han sacado a la luz los restos de la fundación tiria y, sin embargo, la ciudad posterior continúa siendo una gran incógnita. ¿A qué lugar se traslada la población una vez que se abandona el asentamiento primitivo? ¿Quiénes son los individuos enterrados en los excepcionales sarcófagos antropoides? ¿Qué relación jerárquica existe entre el asentamiento insular y los situados en tierra firme? ¿Qué papel jugó la industria y comercialización de las salazones? Los interrogantes planteados son múltiples y no hacen más que evidenciar la incapacidad del paradigma tradicional para explicar el desarrollo histórico de la Gadir postcolonial y la necesidad de buscar nuevos modelos interpretativos.

Discovery and settlement of Alaska coaster

Tsar Peter the Great ruled Russia between 1689 and 1725. Its domains, stretching from the Baltic Sea in the west to the Pacific Ocean in the east. From north to south, its empire stretching from the Arctic Ocean to the borders with China and India. Tsar Peter I tried to extend the geographical knowledge of his government and the rest of the world. He was also interested in the expansion of trade in Russia and in the control of trade routes. Feodor Luzhin and Ivan Yeverinov explored the eastern border of the Russian Empire, the trip between 1719 and 1721 and reported to the Tsar. They had crossed the peninsula of Kamchatka, from west to east and had traveled from the west coast of Kamchatka to the Kuril Islands. The information collected led to the first map of Kamchatka and the Kuril Islands. Tsar Peter ordered Bering surf the Russian Pacific coast, build ships and sail the seas north along the coast to regions of America. The second expedition found equal to those of the previous explorers difficulties. Two ships were eventually thrown away in Okhotsk in 1740. The explorers spent the winter of 1740-1741 stockpiling supplies and then navigate to Petropavlovsk. The two ships sailed eastward and did together until June 20, then separated by fog. After searching Chirikov and his boat for several days, Bering ordered the San Pedro continue to the northeast. There the Russian sailors first sighted Alaska. According to the log, "At 12:30 (pm July 17) in sight of snow-capped mountains and between them a high volcano." This finding came the day of St. Elijah and so named the mountain.