Robert J. Carney and Lise Graham
Notes increasing US support for the BTID insurance strategy, i.e. buy low cost term life insurance and invest the difference between the cost of this and of whole life insurance…
Abstract
Notes increasing US support for the BTID insurance strategy, i.e. buy low cost term life insurance and invest the difference between the cost of this and of whole life insurance. Points out some other investment possibilities and compares the terminal and interim wealth accumulation potential of five different insurance/saving combinations for both sexes at five ages, taking tax into account. Discusses ease of access to savings, taxation of death proceeds and restrictions on creditor rights to distribution for various types of insurance/savings and considers the implications. Draws some conclusions about the best investment performance but stresses that investment choice also depends on individual factors, e.g. tax bracket, risk, tolerance and investment knowledge.
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Robert J. Carney, Dianne R. Morrison, Lise Graham and Ryan Morrison
Reports that under a third of the increasing numbers of US citizens needing long‐term care (LTC) in a nursing home pay their own fees; and that Medicaid (health programme for the…
Abstract
Reports that under a third of the increasing numbers of US citizens needing long‐term care (LTC) in a nursing home pay their own fees; and that Medicaid (health programme for the poor) meets over half of LTC costs. Describes the rules applied to qualify for Medicaid LTC payments, the growth of “Medicaid estate planning” to shield the income/assets of the middle classes so that they can qualify and the actions taken by the government to restrict misuse of Medicaid and reduce its costs. Explains methods which are still being used to protect middle class income/assets without losing Medicaid eligibility; and the alternative of private LTC insurance, including its tax implications. Discusses efforts to develop a partnership between Medicaid and the insurance companies in some states; and the pros and cons of the plans available for both individuals and the government.
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This lesson plan uses Amelia to Zora as an anchor book for an extended unit to discuss women’s contributions to the modern world. The lesson plan provides an annotated…
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This lesson plan uses Amelia to Zora as an anchor book for an extended unit to discuss women’s contributions to the modern world. The lesson plan provides an annotated bibliography of biographies about the women profiles in the book as well as women selected by the instructor and students. The lesson plan is recommended for use in grades 5 and above and emphasizes social interaction among students in the whole process.
Trine Lise Bakken, Olav Ose Evensen, Tale Gjertine Bjørgen, Inger Tove Nilsen, Nina Bang, Unni Pedersen, Kim Berge, Karl Elling Ellingsen, Terje Baasland and Sissel Berge Helverschou
The purpose of this paper is to present and discuss mental health services for people with intellectual disability (ID) in Norway.
Abstract
Purpose
The purpose of this paper is to present and discuss mental health services for people with intellectual disability (ID) in Norway.
Design/methodology/approach
A literature review and a survey were conducted to map services for people with ID and mental health problems in Norway.
Findings
The results were sparse and confirmed what is already known among clinicians working with these patients. The Norwegian services are fragmented and there are geographical differences.
Research limitations/implications
There are no special services for children with ID developing mental illness. For offenders with ID, a national unit assesses and follows up, also when the person is sentenced to compulsory care and services are provided in their home municipality.
Practical implications
More data about both the patients and the services are needed in order to improve mental health services for people with ID in Norway.
Originality/value
This paper describes mental health services for people with ID in Norway.
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The author reviews the major approaches and central findings of empirical research use studies. Six major research approaches were identified by cross‐tabulating two criteria: the…
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The author reviews the major approaches and central findings of empirical research use studies. Six major research approaches were identified by cross‐tabulating two criteria: the major context of network use (job‐related vs non‐work) and the social level of variables (individual vs group level). Examples of all types of studies are presented. The majority of studies can be classified among the surveys focusing on frequencies of service use. From these studies, analyses of job‐related use are most advanced both theoretically and methodologically while studies focused on non‐work contexts of use are less established in this sense. The qualitative research settings seem to gain more popularity, thus making the use studies more balanced methodologically. The strengths and weaknessess of the research approaches are assessed and conclusions are drawn concerning the development of more context sensitive analyses of network uses.
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VINE is produced at least four times a year with the object of providing up‐to‐date news of work being done in the automation of library housekeeping processes, principally in the…
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VINE is produced at least four times a year with the object of providing up‐to‐date news of work being done in the automation of library housekeeping processes, principally in the UK. It is edited and substantially written by the Information Officer for Library Automation based in Southampton University Library and supported by a grant from the British Library Research and Development Department. Copyright for the articles rests with the British Library Board and opinions expressed in VINE do not necessarily reflect the views and policies of the British Library. The subscription for 1984 to VINE is: £23 for UK subscribers, £26 to overseas subscribers (including airmail delivery). Second and subsequent copies to the same address are charged at £14 for UK and £16 for overseas. VINE is available in either paper or microfiche copy and all back issues are available on microfiche.
A summary of a report to UNESCO with the results of a studyexamining various aspects of interlending and document supply throughoutEurope. Examines the size and nature of…
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A summary of a report to UNESCO with the results of a study examining various aspects of interlending and document supply throughout Europe. Examines the size and nature of collections available for interlending, the state of union catalogues and the use of new technology. Concludes that there is considerable disparity in practice and development throughout Europe with differences in financial and professional practices and uneven development of union catalogues.
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A memorandum on the Nutritive Value of Milk by the Advisory Committee on Nutrition appointed by the Minister of Health and the Secretary of State for Scotland has now been…
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A memorandum on the Nutritive Value of Milk by the Advisory Committee on Nutrition appointed by the Minister of Health and the Secretary of State for Scotland has now been published with a prefatory note by Sir Kingsley Wood and Sir Godfrey Collins. The Chairman of the Advisory Committee is Lord Luke, and the members include Professor Cathcart, Sir F. Gowland Hopkins, Professor Mellanby and Sir John Boyd Orr. Its terms of reference are “To inquire into the facts, quantitative and qualitative, in relation to the diet of the people and to report as to any changes herein which appear desirable in the light of modern advances in the knowledge of nutrition.” The memorandum explains the high value of milk as an article of food. Analysis of its composition shows that milk contains protein of high nutritive value, energy‐giving nutrients, the known essential vitamins and many mineral elements and apart from its chemical composition it derived value from other properties such as easy digestibility. Many investigations have been made which justify the belief that the general health of the community, and especially of children, would be improved, and the incidence of disease, including rickets, diminished, if the present consumption of liquid milk, averaging about 0.4 pint per head per day, could be increased to about a pint. Milk has few disadvantages as an article of diet. For infants, after breast‐feeding has ceased, it should form the bulk of the diet, with any necessary supplements to furnish iron and vitamins C and D. After infancy milk is not a complete food but a very important item in diet, particularly for children, who should be given one to two pints a day, and for expectant and nursing mothers, for whom about two pints a day are desirable. Other adults, who need milk especially for the sake of its calcium and animal protein, should have at least half a pint a day. Milk is unfortunately liable to contamination by disease‐producing bacteria and its heating by suitable methods such as pasteurisation has important advantages in making it safe for human consumption from this point of view. Moreover, when milk is treated by heat, little significant change is known to occur in its nutritive properties, and such deficiencies as may be caused can readily be made good. It is therefore reasonable to assume that raw milk incorporated in other cooked articles of diet, such as bread and puddings, retains most of its nutritional properties. The report also calls attention to the degrees of nutritive value possessed by various milk products, especially separated milk. The memorandum is entitled “The Nutritive Value of Milk” and can be obtained (price 3d.) direct from H.M. Stationery Office or through any bookseller.