976 resultados para Defined contribution pension plans


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Dissolved oxygen (DO) is one of the most important environmental variables of water quality, especially for marine life. Consequently, oxygen is one of the Chemical Quality Elements required for the implementation of European Union Water Framework Directive. This study uses the example of the Ria Formosa, a meso-tidal lagoon on the south coast of Portugal to demonstrate how monitoring of water quality for coastal waters must be well designed to identify symptoms of episodic hypoxia. New data from the western end of the Ria Formosa were compared to values in a database of historical data and in the published literature to identify long-term trends. The dissolved oxygen concentration values in the database and in the literature were generally higher than those found in this study, where episodic hypoxia was observed during the summer. Analysis of the database showed that the discrepancy was probably related with the time and the sites where the samples had been collected, rather than a long-term trend. The most problematic situations were within the inner lagoon near the city of Faro, where episodic hypoxia (<2 mg dm3 DO) occurred regularly in the early morning. These results emphasise the need for a balanced sampling strategy for oxygen monitoring which includes all periods of the day and night, as well as a representative range of sites throughout the lagoon. Such a strategy would provide adequate data to apply management measures to reduce the risk of more persistent hypoxia that would impact on the ecological, important natural resource. economic and leisure uses of this important natural resource.

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Ce projet de recherche de type quasi-expérimental visait à favoriser le développement de compétences discursives chez des élèves de 6e année par l'application d'une démarche d'écriture associée à l'échange entre pairs et avec des experts. Les éléments discursifs d'un texte font référence à la capacité de juger la qualité d'un texte à partir de critères de cohérence, de structure et d'organisation des idées ainsi qu'à partir de composantes liées au respect du lecteur et de l'intention d'écriture. Trente-neuf élèves provenant d'un milieu socio-économique moyen ont participé à l'expérimentation alors que quarante-trois élèves composaient le groupe témoin. Tous les groupes d'élèves présentaient un niveau académique faible à moyen en français écrit. Dans le cadre de cette expérimentation, trois situations d'écriture ont été réalisées au cours d'une même année scolaire. Pour chacune de ces situations d'écriture, les élèves du groupe expérimental devaient écrire un texte et utiliser les questions-guides de la démarche proposée pour diriger leur attention sur les aspects discursifs du texte. Au cours de la démarche, les élèves participaient à des échanges de commentaires avec leurs pairs quant à la qualité de leur texte. Douze experts provenant des domaines du journalisme, de l'enseignement et de la littérature fournissaient des rétroactions aux élèves quant à la qualité de leur texte sur le plan discursif.

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Les troubles du spectre de l'autisme (TSAR se caractérisent par des altérations au niveau de la réciprocité des interactions sociales, des habiletés de communication verbale et non verbale, ainsi que la présence de comportements et champs d'intérêts stéréotypés. Compte tenu des conclusions décrivant leurs parents comme vivant plus de stress comparativement aux parents d'enfants non diagnostiqués sur le spectre de l'autisme, il devient nécessaire d'offrir un soutien susceptible d'alléger leur quotidien et celui de leur enfant. Le recueil de données sur l'application d'une intervention novatrice qu'est l'intégration permanente d'un chien d'assistance au sein du milieu familial offrirait une contribution considérable basée sur les conclusions des études précédentes. Le modèle conceptuel de la présente étude réfère aux transactions entre la régulation diurne du cortisol, la perception de stress parental, la sévérité des atteintes comportementales de l'enfant ainsi que les représentations d'attachement de la mère. L'approche analytique s'oriente ainsi sur le caractère multidimensionnel des variables et s'intéresse particulièrement aux différences intra-individuelles dans l'adaptation parentale illustrée par l'activité totale de cortisol sur une période de 15 semaines. L'ensemble des données soulève la présence d'une sous-activation de l'axe 1-IPA ainsi qu'une perception de niveaux élevés de stress parental. Suivant une approche centrée sur la personne, les analyses ont permis de dégager deux profils distincts de régulation basés sur l'activité totale de cortisol salivaire. La présence du chien d'assistance au sein de la famille apporte des changements notables décrits par une diminution de la réponse du cortisol au réveil spécifique au sous-groupe de mères ayant un profil de sécrétion supérieur. L'étude apporte une démonstration empirique d'une hétérogénéité des patrons de régulation hormonale issus d'un même échantillon caractérisé par le vécu d'un stress chronique. L'efficacité d'une nouvelle forme d'intervention pouvant soulager les difficultés rencontrées par les parents est discutée selon un point de vue transdisciplinaire.

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Mit dieser Arbeit soll ein Beitrag zur Weiterentwicklung der Diskussion zum Thema Resilienz geleistet werden. Zielstellung ist es, zu einer Elaboration des Konstrukts und seiner Faktoren und Facetten beizutragen. Resilienz wird dabei als Persönlichkeitsmerkmal verstanden, das den Menschen befähigt, schwierige Lebenssituationen ohne anhaltende Beeinträchtigung zu überstehen (Duden, 2014). Die teststatistische Untersuchung der englischsprachigen RS-25 (Wagnild/Young, 1993) und der deutschsprachigen RS-25 (Schumacher u.a., 2005) zeigt, dass bisher keine überzeugenden Subskalenvorschläge vorliegen. Aus diesem Grund wird eine Vier-Subskalenlösung entwickelt (Resilienzskala RS-32). Die vier Subskalen Ich-Stärke, Lebensfreude, Hartnäckigkeit und Wirklichkeitssinn erfassen das Konstrukt Resilienz umfassend. Die RS-32 deckt die Facetten des Vier-Subskalenvorschlags ab und kann als Basis für empirische Untersuchungen dienen.

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Tese de doutoramento, Física, Universidade de Lisboa, Faculdade de Ciências, 2013

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Tese de doutoramento, Medicina (Pediatria), Universidade de Lisboa, Faculdade de Medicina, 2013

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Tese de doutoramento, Biologia (Biologia Molecular), Universidade de Lisboa, Faculdade de Ciências, 2013

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Tese de doutoramento, Engenharia Biomédica e Biofísica, Universidade de Lisboa, Faculdade de Ciências, 2014

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Tese de doutoramento, Medicina (Psiquiatria e Saúde Mental), Universidade de Lisboa, Faculdade de Medicina, 2014

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Tese de doutoramento, Biologia (Biologia da Conservação), Universidade de Lisboa, Faculdade de Ciências, 2014

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Tese de doutoramento, Biologia (Biotecnologia), Universidade de Lisboa, Faculdade de Ciências, 2014

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Purpose: This paper explores the impact of academic scholarship on the development and practice of experienced managers. Design / Methodology: Semi-structured interviews with experienced managers, modelled on the critical incident technique. ‘Intertextuality’ and framework analysis technique are used to examine whether the use of academic scholarship is a sub-conscious phenomenon. Findings: Experienced managers make little direct use of academic scholarship, using it only occasionally to provide retrospective confirmation of decisions or a technique they can apply. However, academic scholarship informs their practice in an indirect way, their understanding of the ‘gist’ of scholarship comprising one of many sources which they synthesise and evaluate as part of their development process. Practical implications: Managers and management development practitioners should focus upon developing skills of synthesising the ‘gist’ of academic scholarship with other sources of data, rather than upon the detailed remembering, understanding and application of specific scholarship, and upon finding / providing the time and space for that ‘gisting’ and synthesis to take place. Originality / Value: The paper addresses contemporary concerns about the appropriateness of the material delivered on management education programmes for management development. It is original in doing this from the perspective of experienced managers, and in using intertextual analysis to reveal not only the direct but also the indirect uses of they make of such scholarship. The finding of the importance of understanding the ‘gist’ rather than the detail of academic theory represents a key conceptual innovation.

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The aims of this paper are to first seek an understanding of consumer decision-making when purchasing pension and investment products, and second to ascertain how this decision-making affects the consumer's choice of distribution route. The study employed both focus groups and postal questionnaire survey methods based on the framework of a classical decision-making model that investigated problem recognition, information search, evaluation tools used and post-purchase. The findings show that the decision-making process experience differed to a lesser or greater degree depending on the distribution route. The majority of respondents had recognised the need to make a purchase decision long before seeking information. Younger respondents on all incomes believed that they must make some pension provision for themselves as opposed to relying on the government's retirement provision. Many changed channels for information searches, but tended to settle with the Independent Financial Adviser (IFA). The two main evaluation tools for pension and investment were found to be the ‘charges’ and ‘historic fund performance’. The vast majority of respondents reiterated their worry that the outcomes would not be known until retirement. In terms of analysis by the level of ‘financial literacy’, respondents who scored in the upper quartile were more inclined to be on a higher income, less inclined to evaluate on charges and more proactive in discussing the investment strategy of their pension fund. Respondents who scored in the lower quartile had opposite results. One of the implications of these findings is that the younger respondents’ recognition of pension savings favours the government's intention to reverse the existing balance of pension distribution. The other main implication is that the findings will be of help to managers in appreciating the dominance of the IFA channel by providing an explanation of why consumers choose this route, and, additionally, can assist direct marketing managers in identifying customers who will be more likely to use multichannel or single-channel shoppers. It can also help the marketing manager increase the usage of different channels by addressing the factors driving the purchase decision and distribution choice.

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This monograph investigates the organisation, constitution and delivery of community-based organisations which are normally called community enterprises in the UK. These are organisations which emerge from local communities at the neighbourhood level, work in partnership with the public and private sectors, and provide a range of services to meet social, economic and environmental needs. The main focus of the paper is to explore how these organisations contribute to local regeneration strategies, generate social capital and contribute towards the promotion of civil society in general. The main emphasis is on organisations in England and Wales but comparisons are made with the USA and other countries where relevant literature is available. The key questions to be answered relate to the organisation and management of these bodies; the extent to which they engage with and contribute to local regeneration strategies; and the impact they have particularly in acquiring and managing assets. The diversity of the sector, and the range, scale and level of benefits it can deliver is illustrated through five detailed case studies of community enterprises established at different times, in different geographical locations and with different objectives and funding regimes. But, whilst the UK political economy is moving towards less state intervention and more community self-help, the community development corporations in the USA provide an indication of the future direction community enterprises might take in the UK as part of a broad trend towards civic capacity building.