Deciding the sale of a life policy in the viatical market: Implications on individual welfare

[cat] En aquest article, es presenta un model econòmic que permet determinar la venda o no d'una pòlissa de vida (total o en part) per part d'un assegurat malalt terminal en el mercat dels viatical settlements. Aquest mercat va aparèixer a finals de la dècada dels 80 a conseqüència de l'epidèmia de la SIDA. Actualment, representa una part del mercat dels life settlements. Les pòlisses que es comercialitzen en el mercat dels viaticals són aquelles on l'assegurat és malalt terminal amb una esperança de vida de dos anys o menys. El model és discret i considera només dos períodes (anys), ja que aquesta és la vida residual màxima que contempla el mercat. L'agent posseix una riquesa inicial que ha de repartir entre consum i herència. S'introdueix en primer lloc la funció d'utilitat esperada del decisor i, utilitzant programació dinàmica, es dedueix l'estratègia que reporta una utilitat més gran (no vendre/vendre (en part) la pòlissa en el moment zero/vendre (en part) la pòlissa en el moment ú). L'òptim depèn del preu de la pòlissa venuda i de paràmetres personals de l'individu. Es troba una expressió analítica per l'estratègia òptima i es realitza un anàlisi de sensibilitat.

European guidelines for the development of mechanisms/tools supporting the individual demand for training through use of training Vouchers

El projecte de TAV es basa en la transferència d'un sistema de vals de capacitació, i en com aquest sistema de vals és adaptable a altres països o regions. En el document s'analitzen diferents conceptes teòrics sobre la conveniència o no de la implantació d'aquest sistema. A més a més, aquest document és una guia per a les organitzacions interessades en l'adaptació del sistema de vals formatius al seu territori, mostrant els passos a seguir i oferint eines útils per aconseguir-ho.

Disciplina, vigilância e pedagogia

Este texto, apoiado em narrativas de livro de ocorrência utilizado em uma escola pública de 1ª a 4ª série do ensino fundamental, visa problematizar a dimensão de vigilância exercida pelo tipo de lógica disciplinar que neles se apóia, articulando-a com um certo tipo de tradição pedagógica, ainda fortemente localizável no cotidiano escolar. A perspectiva é a de que tal tradição, apoiada em pressupostos de infantilização das crianças - que enfatizam características universais e necessárias, acentuando traços de dependência, imaturidade e desprestígio - acabam por gerar a necessidade de constante vigilância e controle sobre elas por parte das autoridades escolares. Quanto mais há o que vigiar, mais vigilância é necessária e mais se estende o campo para as transgressões e para a produção da criança indisciplinada.

Individual Project Summaries, 2011

Farms to Fuel project will demonstrate technology to produce alternative renewable energy by combining cattle manure with organic industrial waste products in an anaerobic digester. The digester produces methane gas which fires an engine set to generate base load electricity. This would create environmental benefits by turning crop, livestock, and industrial waste into renewable energy in a sustainable and profitable way. Other benefits of the project include the production of a fertilizer that is more readily applicable to crops than in its raw form.

Generational effects on adult height in individual heterogeneity

As adult height is a well-established retrospective measure of health and standard of living, it is important to understand the factors that determine it. Among them, the influence of socio-environmental factors has been subjected to empirical scrutiny. This paper explores the influence of generational (or environmental) effects and individual and gender-specific heterogeneity on adult height. Our data set is from contemporary Spain, a country governed by an authoritarian regime between 1939 and 1977. First, we use normal position and quantile regression analysis to identify the determinants of self-reported adult height and to measure the influence of individual heterogeneity. Second, we use a Blinder-Oaxaca decomposition approach to explain the `gender height gap¿ and its distribution, so as to measure the influence on this gap of individual heterogeneity. Our findings suggest a significant increase in adult height in the generations that benefited from the country¿s economic liberalization in the 1950s, and especially those brought up after the transition to democracy in the 1970s. In contrast, distributional effects on height suggest that only in recent generations has ¿height increased more among the tallest¿. Although the mean gender height gap is 11 cm, generational effects and other controls such as individual capabilities explain on average roughly 5% of this difference, a figure that rises to 10% in the lowest 10% quantile.

The influence of drinking pattern, at individual and aggregate levels, on alcohol-related negative consequences.

AIM: To determine the extent drinking patterns (at the individual and country level) are associated with alcohol-related consequences over and above the total alcohol the person consumes. METHODS: Hierarchical linear models were estimated based on general population surveys conducted in 18 countries participating in the GENACIS project. RESULTS: In general, the positive association between drinking pattern scores and alcohol-related consequences was found at both the individual and country levels, independent of volume of drinking. In addition, a significant interaction effect indicated that the more detrimental the country's drinking pattern, the less steep the association between the volume of drinking and its consequences. CONCLUSION: Drinking patterns have an independent impact on consequences over and above the relationship between volume and consequences.

Acessibilidade à informação: proposta de uma disciplina para cursos de graduação na área de biblioteconomia

A pesquisa tem como objetivo propor uma disciplina que ajude na formação do bibliotecário no atendimento da pessoa com deficiência em bibliotecas universitárias. Temas abordados: o acesso à informação; aspectos históricos da acessibilidade; legislação e a pessoa com deficiência; atribuições dos bibliotecários nos serviços prestados à comunidade universitária. Foram analisados dois programas de acessibilidade em bibliotecas universitárias brasileiras: Programa de Acessibilidade da PUC-Campinas (ProAces); Laboratório de Acessibilidade da Unicamp (LAB), por serem referência na literatura da área, servindo de base para a proposta da disciplina. A análise revelou barreiras e soluções encontradas para facilitar o acesso à informação do aluno com deficiência. A pesquisa foi do tipo exploratória e descritiva, valendo-se da pesquisa bibliográfica e observações em bibliotecas acessíveis.

Individual prediction of cognitive decline in mild cognitive impairment using support vector machine-based analysis of diffusion tensor imaging data.

Although cross-sectional diffusion tensor imaging (DTI) studies revealed significant white matter changes in mild cognitive impairment (MCI), the utility of this technique in predicting further cognitive decline is debated. Thirty-five healthy controls (HC) and 67 MCI subjects with DTI baseline data were neuropsychologically assessed at one year. Among them, there were 40 stable (sMCI; 9 single domain amnestic, 7 single domain frontal, 24 multiple domain) and 27 were progressive (pMCI; 7 single domain amnestic, 4 single domain frontal, 16 multiple domain). Fractional anisotropy (FA) and longitudinal, radial, and mean diffusivity were measured using Tract-Based Spatial Statistics. Statistics included group comparisons and individual classification of MCI cases using support vector machines (SVM). FA was significantly higher in HC compared to MCI in a distributed network including the ventral part of the corpus callosum, right temporal and frontal pathways. There were no significant group-level differences between sMCI versus pMCI or between MCI subtypes after correction for multiple comparisons. However, SVM analysis allowed for an individual classification with accuracies up to 91.4% (HC versus MCI) and 98.4% (sMCI versus pMCI). When considering the MCI subgroups separately, the minimum SVM classification accuracy for stable versus progressive cognitive decline was 97.5% in the multiple domain MCI group. SVM analysis of DTI data provided highly accurate individual classification of stable versus progressive MCI regardless of MCI subtype, indicating that this method may become an easily applicable tool for early individual detection of MCI subjects evolving to dementia.

Podología laboral. Equipos de protección individual (EPIs). Normativa aplicable

El podólogo debe de conocer aunque sea someramente la normativa legal en prevención, referida a la protección del pie, ya que el Reglamento de los Servicios de Prevención en su art. 37.3.a) nos indica que aparte de los Médicos y ATS de Empresa, la participación de otros profesionales sanitarios con competencia, técnica, formación y capacidad acreditada. Cada día es más frecuente nuestro asesoramiento profesional tanto a los empresarios como a los trabajadores y deberemos buscar más el acercamiento y colaboración con las otras especialidades preventivas, para hacer posible que la Podología laboral esté presente en los Servicios de Prevención.

Safety and functional outcome of thrombolysis in dissection-related ischemic stroke: a meta-analysis of individual patient data.

Background and Purpose-The safety and efficacy of thrombolysis in cervical artery dissection (CAD) are controversial. The aim of this meta-analysis was to pool all individual patient data and provide a valid estimate of safety and outcome of thrombolysis in CAD.Methods-We performed a systematic literature search on intravenous and intra-arterial thrombolysis in CAD. We calculated the rates of pooled symptomatic intracranial hemorrhage and mortality and indirectly compared them with matched controls from the Safe Implementation of Thrombolysis in Stroke-International Stroke Thrombolysis Register. We applied multivariate regression models to identify predictors of excellent (modified Rankin Scale=0 to 1) and favorable (modified Rankin Scale=0 to 2) outcome.Results-We obtained individual patient data of 180 patients from 14 retrospective series and 22 case reports. Patients were predominantly female (68%), with a mean +/- SD age of 46 +/- 11 years. Most patients presented with severe stroke (median National Institutes of Health Stroke Scale score=16). Treatment was intravenous thrombolysis in 67% and intra-arterial thrombolysis in 33%. Median follow-up was 3 months. The pooled symptomatic intracranial hemorrhage rate was 3.1% (95% CI, 1.3 to 7.2). Overall mortality was 8.1% (95% CI, 4.9 to 13.2), and 41.0% (95% CI, 31.4 to 51.4) had an excellent outcome. Stroke severity was a strong predictor of outcome. Overlapping confidence intervals of end points indicated no relevant differences with matched controls from the Safe Implementation of Thrombolysis in Stroke-International Stroke Thrombolysis Register.Conclusions-Safety and outcome of thrombolysis in patients with CAD-related stroke appear similar to those for stroke from all causes. Based on our findings, thrombolysis should not be withheld in patients with CAD. (Stroke. 2011;42:2515-2520.)

Analysis of experiments in square lattice with emphasis on variance components. i. Individual analysis

This paper focused on four alternatives of analysis of experiments in square lattice as far as the estimation of variance components and some genetic parameters are concerned: 1) intra-block analysis with adjusted treatment and blocks within unadjusted repetitions; 2) lattice analysis as complete randomized blocks; 3) intrablock analysis with unadjusted treatment and blocks within adjusted repetitions; 4) lattice analysis as complete randomized blocks, by utilizing the adjusted means of treatments, obtained from the analysis with recovery of interblock information, having as mean square of the error the mean effective variance of this same analysis with recovery of inter-block information. For the four alternatives of analysis, the estimators and estimates were obtained for the variance components and heritability coefficients. The classification of material was also studied. The present study suggests that for each experiment and depending of the objectives of the analysis, one should observe which alternative of analysis is preferable, mainly in cases where a negative estimate is obtained for the variance component due to effects of blocks within adjusted repetitions.

Inferring recent migration rates from individual genotypes.

We present a novel and straightforward method for estimating recent migration rates between discrete populations using multilocus genotype data. The approach builds upon a two-step sampling design, where individual genotypes are sampled before and after dispersal. We develop a model that estimates all pairwise backwards migration rates (m(ij), the probability that an individual sampled in population i is a migrant from population j) between a set of populations. The method is validated with simulated data and compared with the methods of BayesAss and Structure. First, we use data for an island model and then we consider more realistic data simulations for a metapopulation of the greater white-toothed shrew (Crocidura russula). We show that the precision and bias of estimates primarily depend upon the proportion of individuals sampled in each population. Weak sampling designs may particularly affect the quality of the coverage provided by 95% highest posterior density intervals. We further show that it is relatively insensitive to the number of loci sampled and the overall strength of genetic structure. The method can easily be extended and makes fewer assumptions about the underlying demographic and genetic processes than currently available methods. It allows backwards migration rates to be estimated across a wide range of realistic conditions.

Experiencia de tutorización individual en la matemática empresarial utilizando la red

En este artículo presentamos una experiencia de innovación docente de tutorización individualizada. Esta experiencia se realizó en la asignatura de Introducción a la matemática Económica y Empresarial de la Diplomatura en Ciencias Empresariales de la Universidad de Barcelona durante el curso 2006-2007. Se trata de una asignatura semestral, de seis créditos y de libre elección que se imparte durante el primer semestre de cada año académico. Este proyecto se inscribe dentro de los nuevos enfoques docentes propuestos en el Espacio Europeo de Educación Superior. Esto supone la adopción de nuevos métodos pedagógicos que se enmarcan dentro de la docencia en el nuevo entorno educativo. Nuestra experiencia docente en las asignaturas de Matemática aplicadas a las ciencias sociales de la Diplomatura en Ciencias Empresariales de la Universidad de Barcelona, nos ha permitido constatar que la participación de los alumnos en las tutorías presenciales es baja y que se produce un descenso en la asistencia a clase a medida que avanza el curso. Esto genera que los estudiantes abandonen la asignatura antes de finalizar el curso, no se presenten a las pruebas de evaluación y que su rendimiento académico sea insuficiente. Este contexto motivó un intento de rediseño del sistema de tutorías. Para ello, se construyó un espacio virtual de tutorización y se probó con una muestra aleatoria de 50 alumnos. Los resultados de la experiencia piloto de tutorías señalan una clara mejora de las tres situaciones anteriores. Actualmente, estamos analizando la viabilidad de este proyecto en grupos masificados.

European guidelines for the development of mechanisms/tools supporting the individual demand for training through use of training Vouchers

El projecte de TAV es basa en la transferència d'un sistema de vals de capacitació, i en com aquest sistema de vals és adaptable a altres països o regions. En el document s'analitzen diferents conceptes teòrics sobre la conveniència o no de la implantació d'aquest sistema. A més a més, aquest document és una guia per a les organitzacions interessades en l'adaptació del sistema de vals formatius al seu territori, mostrant els passos a seguir i oferint eines útils per aconseguir-ho.