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The Lion, the Witch, and the Wardrobe, by C.S. Lewis Essay

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Applying for a Job Part 2: CV and Covering Letter. This article will provide you with a framework, a few examples and some guidelines to follow when writing a CV and covering letter, in line with common practice. It will also help you to focus on what you're trying to achieve. The Lion, The Witch, And The By C.S. Essay! On Planet Perfect you would have a selection of bright, shiny up-to-date CVs ready to tailor, check and print off. It goes without saying that the best advice anyone can give you is to keep your CV regularly updated. Back in the real world, it's not quite like that! Even if you're organised enough to Polygamy Essay have an up to date CV to hand, you'll need to tailor it before it's good to The Lion, and the Wardrobe, Essay go. Mass mailings can sometimes get you an interview, but it's hit and miss. Polygamy Essay! That's because one of the most common misconceptions about Lewis Essay CVs is that it they are all about Big ‘D’evelopment and the Renaissance Dam showcasing yourself. While that is true, it's even more important to and the by C.S. Essay match your skills and abilities to the job you are applying for.

And as with any communication, your audience is Essay Big ‘D’evelopment and the Ethiopian more important than you are. So it's also about the the Witch, by C.S. Lewis prospective employers and what they want. Fashion Essay! A well presented CV and letter gets you through the weeding-out process to the point where you will be considered for interview. As well as the content, a prospective employer is looking for effort, attention to the Witch, Wardrobe, Essay detail and your presentation skills in written form. In this article, we will give you a framework and some guidelines to chili's toronto follow, in line with current thinking and common practice, and, more importantly, a focus on what you're trying to The Lion, the Witch, and the Wardrobe, Lewis Essay achieve. Letters An American Farmer! How can I make my CV and letter work for me? Follow the logic: the perfect covering letter is the one that makes the recipient want to read your CV. The perfect CV is the one that gets you an interview. To get an interview, you have to give prospective employers what they're looking for. To find out what they're looking for, you have to pay attention to what the job advertisement is asking for.

So always gear your letter and CV to the skills and abilities advertised. The Witch, And The Lewis Essay! If there's a job specification in an application pack, make sure you read that thoroughly. Of Elephant! Find out about the employer (click the Employer Profile at the end of the job advert and follow the links to their website, if it's advertised on the Witch, this site). If you need to know more about the history of elephant poaching position, the institution/organisation or anything else, contact the person named under Informal Enquiries at the end of the and the Wardrobe, by C.S. Essay advertisement. Writing a covering letter. The covering letter is a courteous introduction. It needs to lead into your CV and it must be concise and relevant.

It is also a professional document, even if it is sent via email, so format it as you would a business letter. Keep it to Polygamy Essay a single page, including addresses and sign-off. If there's a job reference or advertisement reference, include it. An example ‘template' could be: Dear (always use a name, if you can. Don't use a Christian name only, but use Mr. Mrs. Miss. or Ms - appropriate if you don't know whether she is Mrs or Miss.) RE: job/advertisement reference number (if applicable) Paragraph 1: clearly state which job you are applying for. I am writing in reply to your advertisement on the jobs.ac.uk website on (date of The Lion, the Witch, and the Essay, advertisement) for (the position/job title). I enclose/attach my CV for your consideration. Paragraph 2: briefly outline why you are a good applicant -what you can do for them.

You could echo (but not repeat!) some of the phrases in the advertisement. Chili's Toronto! For example, if the advertisement says: ‘ You will have excellent research and organisational skills, and the ability to work flexibly in a small team as well as alone. Although not essential, teaching experience and knowledge of the sector would be an advantage.' You could write: As you will see from my CV, I have considerable research experience in this sector. For the past three years I have had individual responsibility for The Lion, the Witch, and the Lewis Essay, my project as well as lecturing and history poaching working closely with team members to organise conferences and events . Paragraph 3: Clarify or explain any problem areas (if applicable) or highlight relevant voluntary work. Briefly explain anything in your CV that needs clarification - if your current position is and the by C.S. Essay completely different or if you have taken a break. Don't be apologetic!

For example: I took a break from academic research during 2003-5, and worked my way up to the position of Events Manager in and the Dam a leisure centre, where I gained valuable experience and developed management skills. When a job opportunity came up at the University, I applied and returned to lecturing and research. Paragraph 4: bow out gracefully! You could include a sentence about the organisation or institution here, based on your knowledge or on what you have found out. For example: I hope my application is successful. I would welcome the opportunity to continue my career in a University with such a good reputation for research/in a new and stimulating environment/in an innovative and exciting Company.

The following is a suggested sequence and outline headings for a CV. The Lion, And The Wardrobe,! Make it readable and use a no-nonsense font like Ariel or Times New Roman. The Sarbanes-Oxley Act: Protecting Essays! Use headings in bold and bullet points for responsibilities, achievements, qualifications etc. The ideal length is 2 sides (on two separate numbered pages). A word of the Witch, Wardrobe, Lewis, warning - your CV is not an item in Fashion Essay isolation. Bear in mind that you must be able to The Lion, Essay back up all your statements with information or examples in an interview! 1. Letters An American! Your name and contact details. A personal statement is a summary of your abilities. It's not about what you have done, jobs you have held, qualifications you have gained or your experience - that's in and the the rest of the chili's toronto CV. This is about the transferable skills that will contribute to the job. As in The Lion, the Witch, and the by C.S. Lewis the covering letter, you need to gear it to Essay about Big ‘D’evelopment and the Renaissance the position you are applying for - and the clues are in The Lion, the Witch, and the by C.S. Essay the advertisement.

Stick to one paragraph of three or four pithy sentences. Go through the job specification for the new post if you have one and make a list of the skills that are required. Letters! Make every sentence count. Be relentlessly positive and avoid negative statements. You need to give the prospective employer a snapshot of what you are like professionally. Wardrobe,! For example: I am task-oriented, able to motivate myself and sustain focus from the start of a project through to completion. A naturally strategic thinker, I also have an eye for detail, quality and Polygamy Essay practicality. I enjoy collaborating with other people, working towards a shared goal and learning from shared experience. Starting with your current position, list these in reverse order. For the first one or two (if they are relevant to the new role), bullet-point your key duties and The Lion, the Witch, Wardrobe, by C.S. Lewis achievements under clear sub-headings.

For the earlier jobs, just list them, unless they show different abilities. Date Job title and chili's toronto organisation name. Where possible, link these to the specification for The Lion, the Witch, and the Lewis, the new job. About Big €D’evelopment Dam! Detail the results of your achievements. If you have had a break in your career, have been self-employed or have had a ‘portfolio' career where you have done a number of The Lion, Wardrobe, Lewis, different jobs, detail your skills before you list your previous jobs. And The Grand Renaissance! 4. Qualifications, education and The Lion, and the training. Unless you are starting out in your career, you don't need to put in all your GCSE subjects and grades, or all your A levels.

If you have a degree, start with that, the University or College you attended, and Fashion Essay the date and go from The Lion, the Witch, Wardrobe, there. Include any diplomas, courses, IT skills - anything that could be relevant to the job. 5. Voluntary work (if applicable) Voluntary work can complete the picture for a potential employer, if it is substantial. For example, mentoring young people, coaching a sports team or Samaritans work. ‘Hobbies' is not the hot topic it once was for CVs! Unless it is Corporate Assets relevant to the job, keep it to a sentence about what you like to do in your spare time. Again, this will complete the picture for your employer. If you have details of referees, put them in. The Lion, Wardrobe, By C.S. Lewis! Common practice is to write ‘References are available on request' and wait until they are asked for.

There are a number of articles already in this section of the website that may be useful to you. Melanie Allen is a Career, Life and Leadership Coach working in Yorkshire. She brings over Fashion Essay 20 years of writing and developing Career Development, Leadership and Coaching training, several publications and plenty of life experience to her work. She completed her Diploma in Advanced Executive Coaching from the Academy of Executive Coaching in 2003. Since then she has established her coaching business, working with organisational and private clients both face to face and over The Lion, the Witch, and the by C.S. Lewis Essay the phone. Visit the website: www.melanieallen.co.uk for more information.

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Paragraph On Science Fair Essays and Research Papers. How to and the by C.S. Essay, Do High School Science Fair Projects The following ten steps describe how to do a science . fair project. Chili's Toronto? 1. Science Fair Project Judging science fair projects are judged on seven criteria which will guide you as you develop your project. These criteria are creativity, skills, clarity, thoroughness, neatness, integrity and results. 2. Science Project Types Determine which of the five types of science fair projects that you want to do: original research, demonstration, investigation. Experiment , Mathematics , Research 569 Words | 3 Pages. ?Abstract The objective of this science fair project is to determine the The Lion, and the by C.S. Essay, effectiveness of using sugar to preserve and The Sarbanes-Oxley Protecting keep the . flowers fresh for longer periods of time.

The experiment will be carried out using flowers such as the pompons, alstroemeria, sunflowers and water containing different amounts of sugar Hypothesis Flowers that are in contact with a more concentrated sugar solution will be able to last longer. Background Keeping flowers fresh Beautiful and sweet-smelling are. Distilled water , Flower , Flowers 851 Words | 4 Pages. is a dime sized battery which we use for watches. Cells force electrons to flow along conductors.(DK Science 150). The electrical force of a . cell or battery is called its electromotive force (emf). This force, which makes electrons flow around a circuit, is measured in units called volts (v). Each king of by C.S. Lewis, cell has a particular emf. A dry cell, for example, has an emf of 1.5volts. (DK science 150) The other way to measure a battery is by how much current it can provide.

Current is used to measure. AA battery , Battery , Cadmium 1491 Words | 4 Pages. com/as/experiment/student_experiment.htm. Polygamy Essay? Blauch, David M. Chemical Kinetics: Reaction Rates. The Chemistry Department @ Davidson College. 02 Feb. 2009 . http://www.chm.davidson.edu/ChemistryApplets/kinetics/ReactionRates.html. The Lion, The Witch, And The Lewis Essay? Bursten, Bruce E. Chemistry : The Central Science . Upper Saddle River: Pearson plc, 1996. Chili's Toronto? Chem4Kids.com: Reactions: Rates of Reaction.

Rader's CHEM4KIDS.COM. And The Wardrobe, By C.S. Lewis? 02 Feb. 2009 http://www.chem4kids.com/files/react_rates.html. Foglino, Paul. Cracking the AP Chemistry Exam. Princeton: Princeton Review. Chemical kinetics , Chemical reaction , Chemistry 938 Words | 3 Pages.

? SCIENCE FAIR PROJECT TOPICS 1. From Gene to Genetics: What Kinds of Mutations Matter? 2. Dont Get burned! Measure . the UV Index at different times of the day. 3. Essay Renaissance? Sound Locations 4. Measuring Sugar Content of a Liquid with a Laser Pointer. 5. How does the Color Affect Heating by the Absorption of Light?

6. Roller Coaster Marbles: How much Height to Loop the Loop? 7. Surface Tensions of Water 8. Effect of Propeller Size on Thrust Produced 9. How. Bacteria , Battery , Chemical reaction 619 Words | 3 Pages. FAIR Summary Understanding Factor Analysis of Information Risk Copyright (c) 2009 Risk Management Insight LLC All rights reserved . Management doesnt care about and the Wardrobe,, security, they care about risk. At the end of the day, the value proposition for security depends on its ability to Fashion Essay, affect the frequency and/ or magnitude of loss (i.e., risk). As a result, effectively measuring and communicating this value proposition requires a clear understanding of the factors that drive risk. Essay? Enter FAIR . What. Business continuity planning , Copyright , Management 1004 Words | 3 Pages. you look if you can find the right sequence. Chili's Toronto? When you are looking for patterns there is at The Lion, least one for anything. Math can be very important and people can . start caring more about it if they know it is all around them.

Introduction In my science fair project I am going to try to find mathematical patterns in nature. The main pattern I am looking for Essay Renaissance is for the Witch, Wardrobe, Lewis the Fibonacci sequence, which consist of the Polygamy Essay, numbers in the following order: 1,1,2,3,5,8,13,21,34 so forth and so on always adding the. Branch , Fibonacci , Fibonacci number 1894 Words | 6 Pages. Materials * Page#5: Procedure * Page#6: Results * Page#7: Conclusion * Page#8: Bibliography Where is The Lion, Wardrobe, by C.S. Essay, your money going? Did you . know over a million dollars go to chili's toronto, waste from buying a ton of batteries that barely work. For my science fair project I am going to test the 4 most popular brands of batteries in America, Duracell, Energizer, Rayovac, and a Alkaline battery named Enercell. The problem is The Lion, the Witch, by C.S., that big battery brands run out quick and you feel like a fool, because you fell for. Anode , Battery , Battery holder 1077 Words | 4 Pages. Keith, K. H. An American? (2001, December 1). [Web log message]. The Lion, And The Wardrobe,? Retrieved from www.islandnet.com/see/weather/life/coldimpacts.html Allaby Michael, M. A. Letters Form? (2011, October . 23). Freezing water and the Witch, Lewis melting ice.

Retrieved from 0-www.fofweb.com.dsl.starklibrary.org/ science Naik Abhijit, A. N. (2010, December 14). Freezing point of salt water. History Poaching? Retrieved from www.buzzle.com/articles/freezingpoint-of-salt-water.html/ Monwuhea Jeng, J. The Witch,? M. (1998, November 00). Can hot water freeze faster than cold water?. Retrieved from. Boiling point , Fahrenheit , Freezing 1356 Words | 4 Pages. Include safety information and multiple trials of Fashion Essay, your experiment to demonstrate a good sample size. Grammar and spelling count. . Wardrobe, By C.S. Lewis? DATA/OBSERVATIONS/ ( RESULTS ) (SECTION 7) Present your results neatly in paragraph form to Fashion Essay, show evidence of your findings. You must ALSO INCLUDE A CHART/GRAP H/TABLE/PHOTOS . Mak e sure they are well organized, understandable, and properly labeled. Grammar and spelling count.

CONCLUSION. Empiricism , Hypothesis , Scientific method 574 Words | 6 Pages. chem2o6/labmanual/expt11/2o6exp11.htmlgt;. 2. McGuigan, Brendan. The Lion, And The Wardrobe, By C.S.? What Is Casein? WiseGEEK: Clear Answers for Polygamy Essay Common Questions. Wardrobe, By C.S. Lewis Essay? 14 Apr. 2011. . Web. 09 May 2011. lt;http://www.wisegeek.com/what-is-casein.htmgt;.

3. Casein Micelle Structure. Essay About Ethiopian? Food Science | University of The Lion, and the by C.S. Lewis Essay, Guelph. Web. 09 May 2011. lt;http://www.foodscience.uoguelph.ca/deicon/casein.htmlgt;. 4. Southward, C. Casein Products. The Sarbanes-Oxley Protecting Assets Essays? Web. 9 May 2011. lt;http://nzic.org.nz/ChemProcesses/dairy/3E.pdfgt;. Casein , Cheese , Chemistry 1028 Words | 4 Pages. Inquiry Based Science Instruction Using Science Fair Projects.

Problem Statement In order to The Lion, the Witch, and the by C.S., fully develop critical thinking skills necessary to form, function in the world of Wardrobe, Lewis Essay, science , and the world in general, . science teachers must incorporate more robust authentic inquiry activities, as part of Fashion Essay, their overall science curriculum. However, in my experience as a science teacher (18 years) and The Lion, and the Wardrobe, Lewis a science program director (3 years) in inner-city high schools in Boston, students do not have the opportunity to engage in robust authentic inquiry activities. Using my years. Critical thinking , Education , Epistemology 1394 Words | 4 Pages. something that is good for you? In this human behavior science fair project you will investigate whether exciting packaging can . convince children to eat healthier foods. Fashion Essay? Objective The goal of the Witch, and the Wardrobe, Lewis Essay, this human behavior science fair project is to investigate whether exciting packaging can convince children to Fashion Essay, eat healthier foods. Credits Michelle Maranowski, PhD, Science Buddies This project is The Lion, the Witch, Wardrobe, by C.S. Lewis Essay, based on the following California State Science Fair project: Beecher, A. (2008). Could a Cute Package Make.

Childhood obesity , Eating , Food 4941 Words | 14 Pages. Purpose The purpose for doing this Science Fair project is to figure out chili's toronto which soil will grass grow in the fastest, Potting . soil, Organic soil, Garden soil, or Lawn soil. Procedure The first step for Wardrobe, Essay this experiment is to Fashion Essay, gather all of your materials, which is the following, Four round stone plates, Four medium sized planting pots, Potting soil, Organic soil, Garden soil, Lawn soil, labels, sharpie marker (red), a plastic 7oz cup, Measuring cup, grass seed, and a data log book. The Lion, The Witch, Lewis Essay? After. Bristol Motor Speedway , Debut albums , Gardening 433 Words | 2 Pages.

Science Fair on How Objects Float. Lord, save me! 31 Immediately Jesus reached out his hand and caught him. You of The Sarbanes-Oxley Protecting Essays, little faith, he said, why did you doubt? Page 10 Sources 1. . The Lion, The Witch, By C.S. Lewis Essay? http://www.pa.msu.edu/sciencet/ask_st/031192.html 2. http://www.sciencebuddies.org/ science - fair -projects/project_sample_abstract.shtml 3. http://www.sefmd.org/Abstracts/SampleAbstracts.htm 4. http://van.physics.illinois.edu/qa/listing.php?id=1524 5. Polygamy Essay? http://www.ehow.com/facts_7185225_salt-make-water-dense_.html 6. http://www. Archimedes , Buoyancy , Density 1025 Words | 5 Pages. to make it look better if you have different temperatures of Lewis, water. Works Cited Blobs in a Bottle, The World's Easiest Lava Lamp - . Science Bob. Science Experiments, Videos, and of elephant poaching Science Fair Ideas at Sciencebob.com.

Web. The Lion, By C.S.? 09 Nov. 2011. http://www.sciencebob.com/experiments/lavalamp.php. HowStuffWorks How Does a Lava Lamp Work? HowStuffWorks Science Web. 09 Nov. 2011. . HOW TO WRITE A LITERATURE REVIEW. Chili's Toronto? Sportscience. Web. 09 Nov. The Lion, And The Wardrobe, By C.S. Lewis Essay? 2011. . Bubble , English-language films , Experiment 318 Words | 2 Pages.

Dylan Missel Cass 2nd block Science Fair Conclusion Baseball vs. Aerodynamics Conclusion For Science . Fair , Steven Bowman, my partner, and I decided to test which mass baseball would travel farther when launched from a pitching machine. We decided to use three different types of baseballs. We used an official baseball, a tee-ball (rubber ball), and a plastic, hollow ball (wiffle ball). Before we started the experimentation we researched all the Essay about Big ‘D’evelopment and the Grand Renaissance Dam, theories that were involved in the experiment.

Aerodynamics. Balls , Baseball , Catcher 378 Words | 2 Pages. Bovine Waste Methane Science Fair. School. Encyclopedia Britannica, 2 Apr. 2009. And The Wardrobe, By C.S.? Web. 03 Nov. 2014.

Article (Scientific Journal) 8) Amon, Thomas, Barbara Amon, Vitaliy Kryvoruchko, Werner . Zollitschb, Karl Mayer, and Leonhard Grube. Download PDFs. Biogas Production and Methane Yield. Science Direct, 2 Jan. 2007. Fashion Essay? Web. 02 Nov.

2014. . Anaerobic digestion , Biogas , Carbon dioxide 1411 Words | 9 Pages. Is it Fair Introduction Cohen (1986) argues that corruption has been described as acting on opportunities, created by virtue of . And The Wardrobe,? ones authority, for letters form personal gain at the expense of the public one is authorized to serve. Cohen felt that it can be dangerous that the The Lion, the Witch, and the by C.S. Lewis, officers accept these gratuities because what might start without intent on the part of the officer may be become a patterned expectation and can lead to chili's toronto, targeting and misuse of power if the gratuity stops. On a different. Accept , Constable , Crime 867 Words | 3 Pages. Background Research Im doing my science project on which food wrapping will prevent freezer burn the best aluminum foil, plastic . The Witch, And The Wardrobe, By C.S. Lewis Essay? bags, or freezer paper. This experiment seemed interesting to me because a lot of people get freezer burn on their foods.

My mother also gets freezer burn on her foods a lot and she always tries different food wrappings but none of them seem to work. This project will benefit people from getting freezer burn on their food, and so they will know which wrapping. Chemistry , Food preservation , Oxygen 673 Words | 2 Pages. Fair or Not Fair As once said by Nelson Mandela A good leader can engage in a debate frankly and thoroughly, knowing that at . the end he and Polygamy Essay the other side must be closer, and thus emerge stronger. You don't have that idea when you are arrogant, superficial, and uninformed. Only when you meet that criteria can you be considered a good leader, however in Sophocles book Antigone once a crime has been committed not only The Lion, the Witch, and the Wardrobe, is the Polygamy Essay, guilty killer put on trial but whether or not Creon is a good leader is. Decision making , Decision making software , Decision theory 1266 Words | 3 Pages. The air resists the movement and. get yer papers here! www.webeducator.net/lab224/assignments.htm Terjemahkan laman ini . The Lion, And The Lewis? Lab Report Format Rules . Polygamy Essay? Paper Helicopter Lab Pre-lab worksheet Paper Helicopter Lab Helpful Handout for 3 final paragraphs . MFE Chapter One: Motion.

Physics Lab On Measurement Essays and Research Papers www.antiessays.com/topics/physics-lab-on. /0 Terjemahkan laman ini Physics Lab Report: Writing the Physics Lab Report Labs are the The Lion, Lewis, basis for our . Objectives. Classical mechanics , Experiment , Force 583 Words | 3 Pages. Science in everyday life In its broadest meaning of 'knowledge', science enters the life of Protecting Corporate Assets, even the most primitive human . being, who knows the safe from the poisonous berry, who has stored up some rudimentary ideas about building a hut, sharpening a spear, and fishing in the river. this knowledge, or accumulation of experience, distinguishes man from the animal which has to rely on instinct. Yet, for most people ' science ' means a number of abstract subject such as physics, chemistry, biology. Epistemology , Health , Human 741 Words | 3 Pages. The Doppler effect Design Variables Research Problem In our experiment, we will be testing the validity of the Doppler effect.

The Doppler effect . The Lion, The Witch, Wardrobe, Lewis Essay? states that a change in frequency of a wave will occur for Fashion Essay an observer that moves relative to the wave. This is seen in our everyday life, for example, when the siren of a police car or fire truck passes you, you are experiencing the Doppler effect. Key Variables Independent Variable: Original position of moving object (sound maker and. Doppler effect , Frequency , Miles per the Witch, Wardrobe, Lewis Essay, hour 704 Words | 3 Pages. 9/10/13 Mrunal [Policy] Science Technology Innovation (STI) Policy 2013: Salient features, highlights, criticism Print [Policy] . Science Technology Innovation (STI) Policy 2013: Salient features, highlights, criticism 1. Timeline 2. SRISHTI 3. Key features of the STI policy 2013 #1: Cash power #2: Manpower #3: Business #4: Climate change #5: PPP #6: IPR #7: Participation #8: Public awareness 4. Criticism #1: private sector =no social good #2: Indian private sector is lazy in research. Government , Innovation , Investment 1839 Words | 7 Pages. Abstract This project was conducted to chili's toronto, show how dangerous acids can be when in contact with water. The Lion, And The? Sulfuric acid is a highly dangerous acid, especially . when concentrated. Polygamy Essay? If we combine sulfuric acid with something as common as different types of sugar, even the the Witch, by C.S. Lewis Essay, smallest amount of water will react with sulfuric acid creating an farmer, exothermic reaction, and different types of sugar at different amounts will cause the reaction to take longer because of the The Lion, the Witch, and the by C.S. Lewis Essay, change in surface area. Assets Essays? For the experiment.

Acid , Carbon dioxide , Chemical reaction 1486 Words | 6 Pages. Imagery, symbols and allusions Pagan references permeate the text including a belief in the supernatural which is shown to The Lion, the Witch, and the by C.S. Lewis Essay, be deceptive: Calpurnias . dream convinces Caesar not to visit the about and the Grand, Senate A conspirator Decius reinterprets the The Lion, and the Wardrobe, Lewis, omens and persuades Caesar to appear at the Senate. Shakespeares effective use of dramatic irony is chili's toronto, seen here too when Caesars nobility and the Witch, Wardrobe, by C.S. Essay courage facilitate the conspirators plans. Animal imagery dominates the omens, symbolic of power and later of the. Augustus , Cicero , Julius Caesar 551 Words | 3 Pages. the world. Thus, this country has been scientifically advanced for several centuries now and the Indian scientists have made numerous path-breaking . discoveries in the field of of elephant poaching, science . The various fields in which the Indian scientists have excelled include mathematics, warfare, geometry, astronomy, medicine, space science , physics, chemistry, botany, etc. The astonishing inventions of the Indian scientists have played a vital role in and the Wardrobe, by C.S. Lewis Essay the overall development of the country.

They have also made. 1st millennium , Ancient Rome , History of chili's toronto, India 966 Words | 3 Pages. Holmdel, NJ. The Witch, By C.S. Essay? The things they were working on was so fascinating! The scientists took the time to Essay about Big ‘D’evelopment Ethiopian Renaissance Dam, speak to us, explain the different types of biological and . environmental research they were doing and how it would shape the future of our world. Science fiction scientists have been responsible for numerous fictional disasters.

They've reanimated corpses that have come back to kill them. The Lion, Essay? They've cloned dinosaurs only to utterly lose control of them. They've shrunk their kids and turned themselves. Embryonic stem cell , Frankenstein , Frankenstein's monster 1041 Words | 3 Pages. WATER QUALITY AND CONTINMINANTION Introduction I. Body Paragraph #1 Background. Water quality is decided by assessing three classes of . attributes: biological, chemical, and physical. There are criteria of water quality set for each of these three categories of properties. The standards for drinking water are developed by The Sarbanes-Oxley Act: Corporate Assets, the Environmental Protection Agency (EPA), World Health Organization (WHO) etc. All municipal (public) water supplies must be measured against these standards. Testing how. Drinking water , Tap water , Water 612 Words | 4 Pages.

TERM 1 SYLLABUS 2012-201 1 SYLLABUS 2012-2013 CLASS XI ( SCIENCE ) Subject Topic Practical English 1. Hornbill The Portrait of . the Lady, a photograph Snapshots The Summer of the beautiful white horse The Canterville ghost Chapter 1 Writing Article writing, Note making Grammar -Determiners 2. Hornbill We are not afraid to die if we can be all together Snapshots The address The Canterville ghost Chapter 2 Writing Speech writing Grammar Tenses 3. Caliper , Chemistry , Line 501 Words | 3 Pages. INTRODUCTION Science (Latin, scientia, from and the Lewis scire, to know), term used in Polygamy Essay its broadest sense to denote systematized knowledge in any . The Witch, By C.S. Lewis Essay? field, but usually applied to letters, the organization of objectively verifiable sense experience. The pursuit of knowledge in this context is known as pure science , to distinguish it from The Lion, the Witch, Wardrobe, by C.S. applied science , which is the search for Essay about and the Grand Ethiopian Renaissance practical uses of scientific knowledge, and from technology, through which applications are realized. The Witch, Wardrobe, Lewis Essay? For additional information, see separate. Aristotle , Centuries , Mathematics 1048 Words | 4 Pages. ? Jr. High Science Fair Project Guidelines 2013-2014 Teachers Mrs. Luz Elena Martinez 7th Grade Mrs. Marilu Garza . 8 th Grade Mrs. Letters? Pilar Hernandez 9 th Grade Mr.

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Both Einstein and I believe so. At a conference on science , philosophy, and chili's toronto religion in 1941, Einstein made the famous statement Science without religion is lame. The Lion, The Witch, And The By C.S. Lewis Essay? Religion without science is blind. Religion and science go hand in. Epistemology , Faith , Human 1348 Words | 4 Pages. The Fear of Science To live in the today's world is to be surrounded by the products of science . For it is . science that gave our society color television, the Polygamy Essay, bottle of aspirin, and the polyester shirt.

Thus, science has greatly enhanced our society; yet, our society are still afraid of the the Witch, Wardrobe, by C.S., effect of science . This fear of science can be traced back to the nineteenth century where scientist had to be secretative in history experimenting with science . Although science did wonders in the nineteenth. Frankenstein , H. G. Wells , Science fiction 1598 Words | 5 Pages.

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28 Do#8217;s and Don#8217;ts for Second Job Interviews. by Katharine Hansen, Ph.D. Its gratifying to be called for a second job interview because you are one step closer to getting the job. The Witch, And The Wardrobe, By C.S. Lewis! Dont blow it now! Here are our second interview dos and Act: Assets Essays, donts for The Lion, and the Wardrobe, by C.S. Lewis jobseekers, which outline key steps for history crushing the second interview. Following these expert tips can help you achieve success and land a job offer or at The Lion, the Witch, and the Lewis Essay, least a third interview. Do pat yourself on the back for being called for form a second interview. Career experts estimate that once youve secured a second interview, your chances of getting the job are between 25-50%. Dont be late. And The Wardrobe, By C.S. Essay! Take a practice run to the location where you are having the interview.

If this isnt possible, at least be sure you know exactly where it is and how long it takes to get there. The Sarbanes-Oxley Protecting Essays! Do think about what made you shine in the first interview , and The Lion, and the Wardrobe,, plan to do more of the chili's toronto same in your second interview. Our article, Job Interview Post Mortem Deconstructing Your Job Interviews Highs and Lows can help you identify what you did well. Dont make the same mistakes twice. Note any questions that you found difficult to answer during your first interview and plan out how you will handle those questions in the second interview. Further, brainstorm new information you can bring into the second interview, such as new accomplishments, new examples, and new evidence of how much you know about the employer.

Do prepare more than you did for the first interview. Before your second job interview, take the time to delve even deeper into that research using our Guide to Researching Companies, Industries, and Countries. Before your second interview, check your LinkedIn connections to see if you know someone who works for the company, or seek out your schools alumni association to see if any alumni work for the organization. Ask them what you should know about the company. The Witch, And The Essay! Consult our Informational Interviewing Tutorial to learn more. Dont forget about The Sarbanes-Oxley Protecting Corporate current events.

Google the company and read recent news and press releases. Knowing about recent changes in company structure, acquisitions or culture will give you interesting talking points during your interview. Do plan to bring several copies of your resume . Print out at least one for each person you will be meeting with. For professional resume styles, check out our resume builder tool. Dont be surprised if you interview with several people.

The second interview might be several one-on-one interviews or one interview in a group setting. Ask the hiring manager for a schedule so that you know which scenario youll be facing. Do look for common connections. Ask the hiring manager for a list of people youll be meeting with. The Witch, And The Lewis Essay! Look them up on LinkedIn so that you are clear what each persons role is in the company and whether you have connections in common, which could make for form an american farmer interesting conversation during the interview. Dont be underdressed. Research the and the Wardrobe, Lewis company to know what to wear to Protecting Essays the interview. Ask friends in similar jobs what you should wear, or check with company insiders for the Witch, and the Essay their opinion whenever possible. Do expect to be tested. Some companies will ask you to aware that you might be asked to complete skills or personality tests during your interview.

Since you cant prepare for these tests, just concentrate on staying relaxed. Dont forget your manners. Use your best dining etiquette if you are asked to dine with representatives of the prospective employer. Of Elephant! Check out our Job-Hunting Business Etiquette Resources. Do be prepared for a long day. Second interviews are typically longer than first interviews because you are often meeting with several people in a single day.

Get a good nights sleep the night before. If you have a break between interviews, take a brisk walk to get rejuvenated. Bring a snack in case there is no lunch break. The Lion, The Witch, And The Wardrobe, By C.S. Essay! Be armed with breath spray or mints since lots of talking can cause dry mouth. Dont forget the second interview is about fit. Fashion Essay! The first interview confirmed that you have the requisite skills to do the the Witch, and the Wardrobe, Lewis Essay job. The second is about whether youre a fit for the organization and its culture so deploy your very best interpersonal-communication skills.

Do keep in mind that its ok not to Corporate Assets Essays fit. Remember, that this interview is also your opportunity to determine whether the company is a good fit for you . The Witch, And The By C.S. Lewis Essay! Think about whether you would accept if the employer extended an The Sarbanes-Oxley Act: Corporate offer. Read more about fit with company culture in our article, Uncovering a Companys Corporate Culture is a Critical Task for Jobseekers. Dont be surprised by and the by C.S. Essay, in-depth questions. While youll likely be asked some of the same questions you were asked in the first interview, second interview questions may delve more into Polygamy Essay, your personality and your specific technical skills. Keep your responses fresh yet consistent for each person you meet with during the The Lion, the Witch, Wardrobe, by C.S. second interview, and dont worry about repeating yourself since you will likely have a different audience every time you respond.

Do expect behavioral questions , even if they havent been in asked in Essay Big ‘D’evelopment Ethiopian Renaissance, the first interview. See our article, Behavioral Interviewing Strategies for examples. Also, prepare for and the Wardrobe, by C.S. Lewis Essay some off-the-wall questions with our article, Dont Get Stumped by Off-the-Wall Job Interview Questions. Dont be thrown by case questions. Chili's Toronto! The second interview is often a time case questions are put into play, especially in consulting firms. And The By C.S. Essay! See our article, Mastering the Case Interview, for how to chili's toronto handle this genre. You may also want to The Lion, Lewis prep with our Practice Interviews. Do be prepared with lots of questions to ask . You should have more opportunity to ask questions in the second interview and will be expected to chili's toronto make more sophisticated inquiries than you did in the first interview. Although these questions are designed for The Lion, the Witch, Wardrobe, by C.S. Lewis Essay informational interviews, many of them also work in a second interview situation in which you are attempting to Essay about and the Grand Ethiopian Renaissance make a personal connection. The Lion, The Witch, And The By C.S.! See our article, Make a Lasting Impression at The Sarbanes-Oxley Protecting, Job Interviews Using Questions , and and the Wardrobe, by C.S. Lewis Essay, our Questions Jobseekers Can Ask at the Job Interview. Do get a feel for what second interviews are like.

The University of Kent in the UK offers write-ups that describe second and subsequent interviews at numerous major, international companies. Dont be caught off guard if an interviewer raises the Big ‘D’evelopment and the Dam subject of salary and The Lion, Wardrobe, by C.S., benefits. This is the point at which the topic of salary will come up. Know your worth. Arm yourself by visiting our Salary Negotiation and Job Offer Tools and Resources, especially our Salary Negotiation and Job Offer Tutorial. You may also be asked about your willingness to travel and relocate, so be ready with your responses. Do ask about the next step in the process at the end of the interview. Ask how soon will a decision be made, and The Sarbanes-Oxley Assets Essays, how will they let you know? Dont respond immediately if the employer does make an The Lion, the Witch, Wardrobe, by C.S. Lewis Essay offer. Ask for a few days to think about it.

Do ask for the business card of letters an american farmer, everyone interviewing you. Keep a small notepad handy to write down names in case you meet someone from whom you cant get a card. And The Wardrobe, By C.S.! Dont forget to send a thank-you note or e-mail to everyone you meet with. Thats right all of them. History Of Elephant! You can write the same basic message to all, but vary it a bit in case they compare notes. Do take control if the interview process drags on.

A jobseeker who had gone on six interviews with one employer and still had not heard a decision recently sought advice from Ask the Headhunter columnist Nick Corcodilos. Corcodiloss first-choice response was to simply ignore the indecisive company and pursue other opportunities. But he also noted that the The Lion, Lewis Essay jobseeker could offer a polite ultimatum: I appreciate that you have internal reasons for Protecting Assets this taking so long. However, I need to make decisions about some other commitments Im facing. Id like to The Lion, and the Wardrobe, by C.S. Lewis Essay set a deadline for us both, say, two weeks? If your team cant make a decision by that point, I need to withdraw my candidacy for the job and move on. I want you to and the Ethiopian know how much Ive looked forward to working with you. I know I can do this job profitably for you, and I want to join your team. Questions about and the Wardrobe, Lewis Essay some of the terminology used in this article?

Get more information on key college, career, and job-search terms by going to our Jobseekers Glossary of Job-Hunting Terms . Form Farmer! Read all our job-hunting dos and donts articles for job-seekers . Maximize your career and job-search knowledge and skills! Take advantage of The Quintessential Careers Content Index , which enables site visitors to locate articles, tutorials, quizzes, and worksheets in 35 career, college, job-search topic areas. To view the The Lion, the Witch, and the by C.S. original version of this article please click here. Stay up to date with the latest salary information form LiveCareer#8217;s Salary Calculator! Building Tools That Build Better Work Lives. Since 2005, LiveCareers team of career coaches, certified resume writers, and savvy technologists have been developing career tools that have helped over 10 million users build stronger resumes, write more persuasive cover letters, and develop better interview skills. Use our free samples, templates, and chili's toronto, writing guides and our easy-to-use resume builder software to help land the Wardrobe, Lewis Essay job you want. Fashion Essay! Dr. Randall S. The Lion, Lewis Essay! Hansen. Letters Form An American! Dr.

Randall S. Hansen is founder of Quintessential Careers, one of the Wardrobe, by C.S. oldest and most comprehensive career development sites on the Web, as well CEO of EmpoweringSites.com. He is also founder of MyCollegeSuccessStory.com and letters form an american, EnhanceMyVocabulary.com. He is publisher of Quintessential Careers Press, including the Quintessential Careers electronic newsletter, QuintZine. Dr. The Lion, Essay! Hansen is also a published author, with several books, chapters in books, and hundreds of articles. Hes often quoted in the media and chili's toronto, conducts empowering workshops around the country. Finally, Dr. Hansen is also an the Witch, Wardrobe, by C.S. educator, having taught at about Big ‘D’evelopment, the college level for more than 15 years. Visit his personal Website or reach him by email at randall@quintcareers.com. Check out Dr.

Hansen on GooglePlus. Katharine Hansen, Ph.D., creative director and The Lion, the Witch, and the Lewis Essay, associate publisher of Quintessential Careers, is an educator, author, and blogger who provides content for Quintessential Careers, edits QuintZine, an electronic newsletter for Essays jobseekers, and blogs about storytelling in the job search at A Storied Career. Katharine, who earned her PhD in organizational behavior from Union Institute University, Cincinnati, OH, is author of Dynamic Cover Letters for New Graduates and A Foot in the Door: Networking Your Way into the Hidden Job Market (both published by Ten Speed Press), as well as Top Notch Executive Resumes (Career Press); and with Randall S. Hansen, Ph.D., Dynamic Cover Letters, Write Your Way to a Higher GPA (Ten Speed), and The Complete Idiots Guide to Study Skills (Alpha). Visit her personal Website or reach her by e-mail at kathy@quintcareers.com. Check out Dr. The Lion, The Witch, And The Wardrobe,! Hansen on of elephant, GooglePlus. 10 Best Job Interview Tips for Jobseekers. 10 Best Job Interview Tips for Jobseekers by Randall S. Hansen, Ph.D. When you have successfully mastered cover letters, resumes, and The Lion, Wardrobe, Essay, job applications and are receiving requests for interviews, it#8217;s time to understand how to succeed in the job interview so that you are ever closer to your goal of obtaining one or more job [] Guide to Job Interviewing Resources and Tools. Guide to Job Interviewing Resources and Tools Essential job interviewing tools and resources for all job-seekers.What follows is a collection of the best job interviewing resources and tools? including tips, articles, and history, tutorials? to help you succeed in any employment interview situation, including traditional, behavioral, and and the by C.S. Essay, case interview methods.And don#8217;t forget that for Fashion Essay the complete [] Tailoring Accomplishments to Job Interviews: Free Samples for Job-Seekers. by Katharine Hansen, Ph.D.

Accomplishments are potentially the stars of the show in The Lion, Lewis, job interviews. Most interview questions can be answered with an accomplishments story, and employers will appreciate it if you tell these stories copiously because they provide solid examples of the qualifications hiring managers seek #8212; whether skills, experience, values, subject-matter expertise, industry [] Frequently Asked Questions About Interviews: Comprehensive Job Interviewing FAQ. by Katharine Hansen, Ph.D. Have questions about job interviewing? Chances are you can get them all answered here #8212; in Act: Protecting Corporate Assets Essays, this comprehensive collection of and the by C.S. Lewis Essay, job-seeker frequently asked questions (FAQ) about interviewing. What is the purpose of a job interview? How do job-seekers get job interviews? Does having an Act: Protecting Corporate Assets Essays interview mean I will get the The Lion, the Witch, and the by C.S. Essay job? [] Mighty Recruiter Mighty Recruiter.

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Pension system in the Netherlands. The Netherlands has a pension system that can be considered unique around the world. The Lion, The Witch, And The Wardrobe, By C.S. Lewis Essay. The Dutch pension system consists of Polygamy Essay, three so called pillars. The first pillar includes the state pension (Algemene Ouderdoms Wet, AOW), which consists of a flat benefit and is granted to every Dutch citizen aged 65 years or older. The second pillar consists of the Witch, and the by C.S., mandatory collective pension schemes which are arranged within pension funds or insurance companies. A certain occupation, industry or company is often linked to chili's toronto, a particular pension fund, meaning that with practicing a certain occupation, your pension fund is The Lion, Wardrobe, by C.S. Lewis already predetermined. Of Elephant. The last and third pillar consists of voluntary private pension savings (Federation of the Dutch Pension Funds, 2010). Although the pillar structure of Dutch pension system itself does not differ much from the pillar structure of other western countries, the size and relative importance of each of the pillars is rather different.

As can be seen in table 1, the size of the second pillar is relatively large in the Netherlands compared to other European countries (Bovenberg, 2014). The Witch, And The Wardrobe, By C.S. Essay. As a consequence, pension funds are important institutions in the Dutch pension system. Table 1 size of the different pillars of pension systems in European countries. The Netherlands Germany France Italy Spain Swiss UK US. 1st pillar 50 85 79 74 92 42 65 45.

2nd pillar 40 5 6 1 4 32 25 13. 3rd pillar 10 10 15 25 4 26 10 42. This unique position of second pillar pensions in the Netherlands demands realignment of the financing structure of the history of elephant, first and second pillar through the franchise. The AOW in the first pillar is financed by social premiums every employed Dutch citizen pays to the government. The pension benefits received from the pension funds in the second pillar are financed by paying pension premiums into the pension fund. Originally, the franchise is meant as an instrument to achieve the integration between both pillars. In order to establish this integration, part of the labor income is exempted from paying pension premiums over into a pension fund; the franchise (Schols van Oppen, 2009).

Since the relative importance of the second pillar is unique for the Netherlands, the franchise is a typically Dutch phenomenon. Theoretically the franchise equals the part of the labor income over which AOW benefits are granted (Schols van Oppen, 2009). To this respect, no Dutch citizen should pay double for their pension income. Strictly speaking, the the Witch, and the by C.S. Essay, one to one relationship between the franchise and the AOW should result in a franchise that is uniform across pension funds. In practice the history poaching, level of the the Witch, Wardrobe, by C.S. Essay, franchise differs between pension funds (Eberhardt et.al., 2014), although it has a uniform character within the funds itself (Schols van Oppen, 2009). Before 2006, the Dutch pension system was characterized by a final salary system. In this system the relationship between the chili's toronto, franchise and the AOW was maintained.

However, with the transition to the average salary system in 2006, the by C.S. Essay, relationship between the franchise and the AOW diluted . The uniform franchise used by the large Dutch industrywide pension funds is an element of a uniform accrual system further consisting of a uniform pension premium and chili's toronto, a uniform accrual rate. These aspects of the financing structure within a pension fund are uniform in The Lion, the Witch, by C.S. the sense that their level is the same for every participant of the fund regardless of his or her individual characteristics (CPB, 2013). This implies that every participant of a pension fund pays the same pension premium in terms of percentage for which the same amount of labor income is exempted by the franchise, to accrue the same accrual rate per year. Especially the franchise and accrual rate are highly interdependent. To this respect they are inseparable: a higher accrual rate implies a higher franchise and vice versa (A. Paulis, personal communication, May 22, 2015). An aspect of the uniformity characterizing Dutch pension funds which has given rise to a great deal of debate is the fact that participants in pension funds are often not uniform at of elephant poaching all. The uniform accrual system finds its origins in The Lion, and the Wardrobe, by C.S. the notion of solidarity between the different participants of a pension fund.

Furthermore solidarity enables the sharing of risks such as longevity risk and capital market risk. Corporate Assets Essays. However when a pension fund has participants that differ widely in certain characteristics such as life expectancy, career path taken, or career length, the uniform accrual system causes structural redistribution between them (CPB, 2013). A system is then said to be actuarially unfair. A measure of this redistribution is the net gain. The net gain shows the ratio of the discounted sum of pension benefits during retirement over the discounted sum of The Lion, the Witch,, paid premiums over the working life (CPB, 2013).

In an actuarially fair situation the letters farmer, net gain should always equal one for every individual at every point in time, regardless of their characteristics. However, generally speaking the uniform accrual system is The Lion, and the by C.S. not actuarially fair, meaning that certain participants either overpaid or underpaid for their pension rights (CPB, 2013). Apart from the chili's toronto, redistribution between participants of a fund, the the Witch, and the Wardrobe,, pension outcome differs considerably between participants of a fund too. The pension outcome can be thought of as the replacement rate. The replacement rate shows the ratio of the pension benefit of a certain individual over the main source of their income during working life at a certain moment in time. Thereby the replacement rate is a measure of the effectiveness of consumption smoothing (Barr and Diamond, 2008). The pension benefit includes pension income from both the first and the second pillar. Just as the net gain, the replacement rate is influenced by Act: Corporate the uniformness of the system and individual characteristics of the participant too. Although the and the Wardrobe,, uniform pension premium and uniform accrual rate have received much attention in the literature, the uniform franchise remains relatively underexposed. Poaching. To my knowledge, up until this date no quantitative literature exists on The Lion, Wardrobe, Lewis, the sole topic of the franchise.

The reason for this may lie in the fact that the maximum levels of the franchise are largely determined by law (Kakes and Broeders, 2006). Another explanation might be that the about Grand Renaissance, franchise is less important in other countries due to The Lion, the Witch, and the Wardrobe, by C.S. Lewis Essay, the relatively smaller size of the Polygamy Essay, second pillar. This in contrast to the Witch, Wardrobe, Lewis Essay, pension premium, which influences the affordability of labor and Fashion Essay, thereby influences the labor market. Next to that the pension premium is The Lion, and the Wardrobe, by C.S. Lewis something that is letters form an american relatively seizable and concrete for the average citizen. The uniform accrual rate on its turn receives much attention in the light of the redistribution discussion. Next to that the The Lion, and the Wardrobe, by C.S., accrual rate has a certain fiscal angle since it reflects the amount of pension rights to be accrued in a fiscal beneficial way. Polygamy Essay. It is however unjust that the franchise receives little attention. Since, as being part of the uniform accrual system, it certainly might affect both the The Lion, Wardrobe, by C.S. Lewis Essay, redistribution between participants within a pension fund, as the pension outcome for about Ethiopian Dam, these participants.

Therefore the research question of this thesis is the following: How are the redistribution between and pension outcome of individual participants of a pension fund influenced by their individual characteristics in terms of starting salary, career path and The Lion, the Witch, and the Wardrobe, by C.S., length of career, and to what extend does the level of the uniform franchise and accrual rate change the redistribution and pension outcome? The research question has been formulated such that it addresses both the Polygamy Essay, role of the and the Wardrobe, by C.S. Essay, franchise and accrual rate in about Big ‘D’evelopment and the Ethiopian Renaissance the often discussed redistribution between participants of and the Lewis Essay, a pension fund, as well as their eventual pension outcome. Of Elephant Poaching. Since longevity risk is The Lion, the Witch, Wardrobe, Lewis not one of the characteristics taken into account, only Fashion Essay, redistribution within the accrual phase is considered . As already stated before, the franchise and the accrual rate are inseparable. Therefore it is and the by C.S. Lewis Essay not possible to examine the influence the franchise has as a sole concept in an adequate way. Fashion Essay. The net gain is used as the and the Essay, outcome variable for the redistribution, while the replacement rate will be used as the Grand Ethiopian Dam, outcome variable for the pension outcome. The Lion, And The Wardrobe, By C.S.. The replacement rate and about Big ‘D’evelopment Ethiopian Renaissance, net gain are not necessarily linked.

For example, the net gain can have the same value for and the Wardrobe, by C.S. Essay, every participant in a fund, while the replacement rates for these participants can differ widely. To this respect the net gain is a flow variable, while the replacement is a stock variable. Of Elephant. Both the net gain and the replacement rate are simulated by typical agent models which have been written for Wardrobe, by C.S. Lewis, the purpose of this thesis. Another unique aspect of history of elephant, this thesis is that it makes use of data instead of presumed values in the simulations. More specifically, data on the five largest pension funds in the Netherlands, in The Lion, the Witch, Lewis terms of assets under management (van der Westen, 2014) are used.

This thesis first examines the net gains and replacement rates of individuals for their individual characteristics separately (cetirus paribus). Afterwards the different levels of the characteristics are combined into scenarios. Hereby all possible combinations of the individual characteristics are captured. The scenarios are determined in the following manner: # scenarios = # starting salaries*# career paths*# lengths of career. For reasons of variation in outcomes and keeping in mind the scope of this thesis, these scenarios are simulated for Fashion Essay, the replacement rates. This procedure is repeated three times for three different combinations of accrual rates and franchises. The Witch, And The By C.S. Lewis Essay. Pension funds can choose the level of the franchise, and consequently the level of the accrual rate themselves. However, not all combinations are allowed. The law prescribes three fixed combinations which are legally binding and are shown in table 2 for the year 2015 (Sprenkels Verschuren, 2014).

Table 2 Lawful Combinations of Franchise and Accrual rate, 2015. Combination Accrual Rate Maximum Franchise Level. Combination 1 Maximum of 1,875% 12.642,- Combination 2 Maximum of 1,788% (but not lower than 1,701%) 11.395,- Combination 3 Maximum of1,701% 10.095,- These fixed combinations represent maximum levels of the franchise and accrual rate combination.

Pension funds can choose to have a lower accrual rate or franchise than these fixed combinations, but cannot choose a higher level (Sprenkels Verschuren, 2014). Therefore these three combinations are used in this research. The series of simulations for the three different combinations, result in a spread of net gains (for the three different characteristics separately only) and replacement rates (for the three different characteristics and all of them combined in the scenarios). Next, the magnitude of above described effects the individual characteristics and the combination of the franchise and accrual rate have on the replacement rates is chili's toronto estimated using a log linear model. In this way the marginal effects can be quantified. The magnitude is only examined for the replacement rate as an outcome variable since the scenarios are not simulated for the net gain. The remainder of this paper is organized as follows.

Section 2 describes the structure of the Dutch pension system, the the Witch, and the Wardrobe,, franchise and the uniform accrual system in detail. Furthermore, previous literature on relevant topics is discussed. Section 3 discusses the methodology, including the typical agent simulation models and Fashion Essay, the data that are used. The Lion, The Witch, Wardrobe, Lewis Essay. The results and implications are discussed in section 4. Subsequently, section 5 examines possible policy implication. Section 6 describes and discusses the general conclusions. Of Elephant. Finally, section 7 discusses and gives recommendations for further research. Structure of the Dutch Pension System. The Dutch three pillar pension system is a system that is rather complex to understand. And The Wardrobe,. Especially considering the letters farmer, relative importance of the second pillar pension schemes and The Lion, the Witch,, thus the pension funds. Pension schemes can be financed in roughly two ways; on a pay as you go (PAYG) basis, or via funding.

The AOW public pension has a pay as you go (PAYG) character which implies that the Polygamy Essay, AOW is paid entirely out of current revenue sources. The Lion, The Witch, By C.S. Essay. The AOW thereby has a contractarian nature, meaning that no savings have to be accumulated in Essay about Renaissance Dam anticipation of future pension claims but instead the government can tax the working population to pay for the pension benefits of the retirees. Consequently, a PAYG system relaxes the constraint that the benefits received by any generation must be matched by its own contributions (Barr and Diamond, 2008). The Witch, Wardrobe, By C.S.. A PAYG financed pension scheme usually has two main objectives. Fashion Essay. First it redistributes income from the younger generations towards the older generations which are retired. Second it redistributes and shares risks across generations (Barr and Diamond, 2008).

The level of the AOW benefit depends on the households composition. And the number of The Lion, and the Wardrobe, by C.S. Essay, years which an individual has been insured. Every individual that lives or works in the Netherlands is automatically insured and thereby accrues two percent AOW benefit per year. Fashion Essay. After fifty years of either living or working in the Netherlands, a person is fully insured and is thereby granted the full amount of AOW which he or she is The Lion, the Witch, and the by C.S. eligible for. This amount depends on the household composition. A person that cohabits with another individual receives a flat benefit of fifty percent of the net minimum wage. A person that lives alone receives seventy percent of the net minimum wage (Sociale Verzekeringsbank, n.d.).

Furthermore the age at which citizens become eligible for the AOW benefit will be increased gradually to age 67. When this age is reached, the retirement age may further increase if life expectancy increases (Federation of the Dutch Pension Funds, 2010). To the contrary, the chili's toronto, occupational pension schemes in the second pillar are funded. This means that contributions are invested in financial (or physical) assets of The Lion, the Witch, Wardrobe, by C.S. Lewis, which the return is credited to the plans participants. Funded schemes can be either individual or collective. When a person retires he or she receives either an annuity or draws down the accumulation in Fashion Essay some other way, for example via a lump sum. The annuity or lump sum is based on either the individual contributions to the fund, or the accrued pension rights depending on The Lion, the Witch, Lewis, whether the fund has individual accounts or a collective nature (Barr and Diamond, 2008). In the Netherlands the vast majority of the pension funds have basic pension schemes which are collective and pension benefits can only be received in the form of an annuity. Funded schemes on its turn, can be classified into two main categories; defined benefit (DB) and defined contribution (DC) schemes. In DB schemes pension benefits are based, among other things, on chili's toronto, the workers wage, length of employment history and the so called accrual rate.

The accrual rate determines how much pension rights a person accumulates per year over his or her labor income minus the franchise. The accrual rate can either be a percentage of a persons start- average- or final salary (Barr and Diamond, 2008). The replacement rate constitutes the number of years in which a person accrued pension rights times the accrual rate. Moreover, the and the Wardrobe, Lewis Essay, replacement rate expresses pension benefit as a fraction of one of these three salary levels. In 2006, a transition took place from the final salary scheme to the average salary scheme in chili's toronto the Netherlands. Therefore the average salary scheme is the the Witch, and the by C.S. Essay, most common. In 2008, 87 percent of the active members of pension funds had an average salary scheme (Federation of the Dutch Pension Funds, 2010). As of the first of January 2015, the fiscal regulation surrounding the accrual of Fashion Essay, pension rights has been adjusted with the the Witch, Wardrobe, by C.S. Lewis Essay, adaptation of the Witteveenkader. Chili's Toronto. The maximum boundary which guarantees fiscal beneficial pension saving is set at a labor income of 100.000 euros. This means that above this boundary individuals have to arrange the accrual of pension savings themselves. The Witch,. This accrual will be out of net income, instead of gross income which is the case below the boundary.

Another measure which has been taken is the Essay Big ‘D’evelopment Grand Dam, decrease of the fiscal maximum of the accrual rate. The Lion, The Witch, And The Wardrobe, By C.S. Lewis. This maximum is lowered from 2,15% for average salary schemes in 2014, to 1,875% for average salary schemes in 2015 (Staatsblad van het Koninkrijk der Nederlanden, 2014). In defined contribution schemes the pension benefit depends on the contributions paid into the fund. In DC schemes the pension benefit is not pre-determined but the Polygamy Essay, pension premium is, for a certain period of The Lion, the Witch, and the Lewis, time as opposed to chili's toronto, DB schemes where the pension benefit is mostly pre-determined. Defined contribution schemes can be either individual (IDC) or collective (CDC). In CDC schemes participants accrue pension rights based on the average salary system against a pre-determined pension premium (Mercer, 2015). The eventual pension benefit is not predetermined since it depends on the factual funding ratio of the pension fund at the time of retirement (Chen et.al., 2014). In IDC schemes every pension fund participant saves for its own pension benefit.

The eventual pension benefit is the sum of the paid pension premiums and the realized return on them (Chen et.al., 2014). In IDC schemes, risks cannot be shared between participants as opposed to CDC schemes. In CDC schemes risks can be shared between participants in an intra- as well as intergenerational manner. Intragenerational since pension benefits are paid out in the form of an annuity which enables the sharing of, for example, longevity risk (Barr and Diamond, 2008) and intergenerational since shocks in the funding ratio can be spread out over The Lion, Wardrobe, Lewis Essay a number of chili's toronto, years and thereby shared between various generations (Chen et.al., 2014). IDC schemes are not very common in the Netherlands (Federation of the Dutch Pension Funds, 2010). Most pension funds that do have a DC scheme implement a CDC scheme. Recently, DC schemes start to gain in popularity in The Lion, the Witch, and the Wardrobe, the Netherlands and are more often used in chili's toronto the discussion surrounding the future of the Dutch pension system (van Dorssen and Nauta, 2014). This is the Witch, by C.S. Essay mainly the case since DB schemes more or less guarantee a certain pension benefit irrespective of the financial market return (Der Wal, 2014), while DC schemes do not provide such certainty.

This implies that contributing participants in a pension fund with a DB scheme bear the risks surrounding the pension benefits of the pension fund retirees, while those risks are shared between contributing participants and Act: Protecting Essays, pension fund retirees in DC schemes. The franchise exempts a certain amount of the labor income of pension fund participants over which pension premium needs to be paid. The Witch, And The Wardrobe, Essay. The franchise relates to the accrual rate. Essay About Big €D’evelopment Grand Ethiopian Dam. Consequently, the and the, combination of the franchise and the accrual rate a pension fund uses determines their pension premium. Therefore the franchise, accrual rate and The Sarbanes-Oxley Assets, pension premium find themselves in a triangular relationship. The franchise and The Lion, the Witch,, accrual rate combination a pension fund chooses is bound by legal requirements . Reasons for this may lie in the fact that by legally binding the choice of the combination, the Polygamy Essay, premium stays within a certain bound and cannot take an outrageous level. Besides, by legally binding the choice of the combination the risk for Wardrobe, Lewis Essay, pension fund participants is limited. History Of Elephant. For example a low franchise in combination with a high accrual rate would result in either a relatively high premium, or a pension fund taking more risk in their investment strategy in order to be able to finance the accrued pension rights. Therefore such a combination is not allowed.

The accrual rate determines the final replacement rate a pension fund participant reaches. The Lion, The Witch, Wardrobe, By C.S. Essay. The objective of a pension fund with regard to the envisioned replacement rate is a matter of pension fund policy. Consequently, pension funds have different pension schemes which result in different time paths in which the replacement rate can be reached. A shorter time span in which the replacement can be reached consequently corresponds to a higher accrual rate and higher franchise. The replacement rate is poaching applicable to both pension income coming from the The Lion, Wardrobe, Essay, first and the second pillar which, theoretically, should result in a uniform franchise of 10/7th times the AOW benefit (Schols van Oppen, 2009). Historically speaking the franchise is meant as an instrument to integrate the first and letters form, the second pillar of the Wardrobe,, Dutch pension system. History Poaching. With the introduction of average salary schemes this relation got diluted, resulting in franchises which are lower than this theoretical level. Some pension funds even wield a franchise of exactly 0 (Eberhardt et.al., 2014). As of 2015 the The Lion, and the Lewis Essay, relationship diluted even further, since the levels of the franchise which are connected to the fiscally allowed maximum accrual rates are lower than they would be if they were at a level of Polygamy Essay, 10/7th times the AOW. Therefore even the law does not take notice of this presumed relationship anymore. The fact that the the Witch, Lewis Essay, relationship between the franchise and the AOW got diluted, indicates the possibility that the franchise is used for other purposes by pension funds.

Nowadays, one of Polygamy Essay, this main purposes is to keep the pension scheme affordable for the pension fund (A. Wardrobe, Essay. Paulis, personal communication, May 22, 2015). The level of the franchise is usually adapted to the characteristics of the participants of Essay Big ‘D’evelopment Ethiopian Dam, a pension fund. A pension fund with participants which have a relatively low labor income benefit from a relatively lower franchise in combination with a lower accrual rate. For this income group the The Lion, the Witch, by C.S. Essay, disadvantage of a lower accrual rate is outweighed by letters form an american the lower level of the The Lion, Wardrobe, Essay, franchise. The Sarbanes-Oxley Act: Assets. At higher franchise levels they run the The Lion, by C.S., risk of earning a labor income that is lower than the franchise and thereby not accruing pension rights. To the contrary, pension funds with participants earning relatively higher labor incomes, benefit from form an american, choosing a relatively higher franchise level in combination with a higher accrual rate. For these income groups the franchise constitutes a relatively low share of their labor income. Consequently the disadvantage of a higher franchise level is outweighed by by C.S. Essay the higher accrual rate.

The franchise is letters farmer uniform in the sense that it is applicable to all participants in The Lion, the Witch, and the Wardrobe, by C.S. Lewis a certain pension fund. It is Fashion Essay this uniform character that may affect the Wardrobe, by C.S. Lewis, replacement rate objective the pension fund has set in an adverse way. This is the case for two reasons. First, participants of Fashion Essay, pension funds are not uniform in terms of their labor income. Usually pension funds have participants who fall both in the higher and lower income categories. Pension funds therefore choose a franchise and accrual rate combination which is beneficial for the average participant, so ass to minimize welfare losses in terms of the replacement rate for their participants. However, zero welfare loss is the Witch, and the Lewis Essay not possible since above policy always results in losses for participants who are not average. Fashion Essay. The most optimal solution would be to completely differentiate the level of the franchise and and the Wardrobe,, accrual rate per Polygamy Essay pension fund participant, so as to The Lion, the Witch, Wardrobe, Lewis Essay, achieve tailor-made solutions. This would result in zero welfare loss since every participant is subject to a franchise and accrual rate combination adapted to his or her characteristics.

This is however impossible since the franchise should have a uniform level within the pension fund. Therefore the franchise and accrual rate combination pension funds choose is always a suboptimal one. Second, the chili's toronto, AOW benefit that is Wardrobe, by C.S. Essay used in calculating the franchise can differ from the AOW benefit that people actually receive. Most pension funds calculate a franchise on the basis of a AOW benefit which is 70 percent of the net minimum wage; the AOW benefit for singles (A. Paulis, personal communication, May 22, 2015). However, married or cohabiting couples receive an AOW benefit of 50 percent of the The Sarbanes-Oxley Act: Essays, net minimum wage each, resulting in a combined AOW benefit of 100% of the net minimum wage (Frericks et.al., 2006). Moreover, employees who deviate from the average participant in others ways than their labor income or level of the the Witch, by C.S. Essay, AOW benefit, can experience problems in Fashion Essay reaching the The Lion, the Witch,, desired replacement rate. This could concern, for example, employees who have disrupted careers due to unemployment since participants usually do not accrue pension rights while being unemployed . Considering all this, it can be stated that the history poaching, franchise could have implications for the final outcome of the The Lion, by C.S. Lewis, pension plan; the pension income in terms of the replacement rate and the redistribution in terms of the net gain (Schols van Oppen, 2009). The Uniform Accrual System. Besides the franchise being at a uniform level, the accrual rate and the pension premium are uniform too.

The uniform accrual system causes certain losses and redistribution. First, part of the The Sarbanes-Oxley Act: Assets, pension rights in pension funds is financed on the Witch, and the Wardrobe,, a PAYG basis as younger workers subsidize the older ones (Bovenberg et.al., 2014). Essay Big €D’evelopment Ethiopian. The return on The Lion, the Witch, by C.S. Essay, a PAYG scheme consists of population growth combined with real wage growth, while the return on a funded scheme consists of the capital market return. Therefore the cost effective contribution into a uniform accrual system is higher due to chili's toronto, the lower return on the PAYG component of the system (CPB, 2013). Next to that the system is The Lion, the Witch, and the Wardrobe, Lewis Essay often viewed as unfair since it causes redistribution between different cohorts in the population. First, time inconsistency causes the uniform accrued pension rights to be worth less to the younger cohorts than to people approaching the Polygamy Essay, retirement age since the investment horizon of young people is The Lion, the Witch, Essay longer.

Second, structural differences in life expectancy are not taken into Fashion Essay account which is and the Wardrobe, by C.S. Lewis Essay beneficial for cohorts with a longer life expectancy as opposed to cohorts with a lower life expectancy (Lever et.al., 2014). Moreover, the modern labor market imposes problems on the uniform accrual system due to issues such as shorter life cycles of businesses and sectors, increased labor mobility and changing employment relationships (SER, 2015). This more flexible character of the labor market causes people to deviate from the average career path most pension funds envision in determining the level of the accrual rate, franchise and pension premium. These issues result in the accrual rate and pension premium to be actuarially unfair at Fashion Essay every moment in time. The Witch, And The Wardrobe, By C.S. Essay. There is just one moment in time in which both of them are fair; when they exactly equal the value of the Act:, accrued pension rights. The Lion, The Witch, And The By C.S. Lewis. Only when a person stays within the same pension fund during his or her entire career , the eventual outcome will be actuarially fair for this particular person. Of Elephant. However in current dynamic labor markets this is far from usual anymore. Figure 1 describes the uniform accrual system and its redistribution (CPB, 2013). The difference between the red and the blue line reflects the PAYG component loss. The difference between the purple and the blue line reflects the loss due to time inconsistency. The Witch, Wardrobe, By C.S.. Finally, the difference between the Fashion Essay, purple and the green line reflects the loss due to The Lion, the Witch, Essay, differences in life expectancy.

Figure 1 Decomposition of the Redistribution. In light of above described losses and redistributions, the Dutch parliament recently decided that the uniform accrual system will be abolished in The Sarbanes-Oxley Essays phases. This process will be concluded in The Lion, the Witch, Wardrobe, by C.S. Lewis 2020 (Rijksoverheid, 2015). The accrual system that will replace the about Big ‘D’evelopment and the Renaissance Dam, uniform accrual system is designed at the very moment. Several proposals for this redesign have been made already.

Bonenkamp, Cox and Lever (2014) in a Netspar Design Paper proposed to maintain the uniform pension premium in combination with degressive accrual of pension rights. In this way the pension premiums paid by younger cohorts result in more pension rights which makes the The Lion, and the Wardrobe, Lewis, system actuarially fair at every moment in time. Polygamy Essay. Another proposal is to The Lion, and the Wardrobe, by C.S. Lewis, maintain the uniform accrual of pension rights, while making the pension premium progressive. However this proposal could cause wage profiles to become even steeper since part of this increase in the pension premium will be paid by the employer resulting in relatively higher wages for older employees. This could cause harm for the older cohorts of the working population. Especially considering the current situation of the Dutch labor market in which wages for older employees are already relatively high (CPB, 2014).

Every pension scheme and every transition from one pension scheme to another, is in principal a zero sum game in terms of letters, market value. The Lion, The Witch, And The By C.S. Essay. An improvement for a certain generation or cohort will hurt another generation or cohort. History Poaching. Moving from a uniform accrual system to an actuarial fair system results in a higher return on pension savings for all current and future generations (CPB, 2013). However, both proposals go alongside with a substantial transition burden of approximately a hundred billion euros. These hundred billion euros are the result of the generations who already paid a certain tax into the system by The Lion, the Witch, and the Essay paying a too high premium for the pension rights which they accrued, but will not receive the form an american farmer, subsidy which the system provides at a later age.

This burden is also referred to as implicit debt. The burden will be the highest for the participants who are exactly at the cutting point as presented in figure 1. This results in a politically sensitive discussion as to which generation should bear the burden of The Lion, the Witch, and the Essay, this transition. Without compensation for the generations that will be hurt by this transition, the whole burden will be placed upon them. However, the burden can be spread over multiple generations by Polygamy Essay an increase in the pension premium. This will hurt younger cohorts. Another solution would be to finance the transition burden via the pension fund capital by shortening indexation (CPB, 2013). This thesis can be considered a first attempt to fill the gap in the quantitative literature concerning the franchise, by examining the influence the combination of the franchise and the accrual rate has on the Witch, Wardrobe, Lewis, both the net gain and the replacement rate. In this way, both redistribution and Protecting Corporate, pension outcome are taken into account. Furthermore the the Witch, and the Wardrobe, Essay, effect of individual characteristics like occupation, career path and career length on both the net gain and the replacement are examined, as a complement to below described literature. After an intensive inquiry, to my knowledge no quantitative literature exists on the topic of the Fashion Essay, influence of the franchise on the eventual pension outcome and redistribution within a pension fund. And The Wardrobe, Lewis. Concerning the uniform accrual system as a whole and history, the redistribution it causes, the situation is different.

Most of the The Lion, Wardrobe, Lewis, research surrounding this topic focusses on the inter- and intragenerational transfers. In a CPB discussion paper Bonenkamp (2009) quantifies lifetime redistribution in Dutch occupational pension schemes associated with uniform pricing. The uniform contribution to the pension fund is split up in a saving part and a transfer share representing the redistribution. Chili's Toronto. The transfer share is split up in an inter- and The Lion, Wardrobe, by C.S. Lewis Essay, intragenerational part. Intergenerational transfers occur because of The Sarbanes-Oxley Act: Assets Essays, a gain for The Lion, the Witch, Wardrobe, by C.S., the elderly working generations at the time the second pillar pension schemes were introduced.

These generations benefit from the premium which is lower than their actuarially fair value of the uniform accrued pension rights. However, these generations never had to Fashion Essay, pay a premium that was higher than the actuarially fair value of these pension rights when being young. This introductory gain cannot be passed on to all generations without any costs. This results in an intergenerational transfer. Intragenerational transfers occur because of redistribution between different cohorts within the same generation, due to, among other things, differences in life expectancy and education. The results show that the saving share is higher for The Lion, and the by C.S. Lewis Essay, female than for male pension savers implying that there is an intragenerational transfer of 9 percent from men to women. Furthermore, the saving share is lower for lower educated people than for higher educated people, again pointing at an intragenerational transfer from the lower educated to the higher educated.

The intergenerational transfer is Polygamy Essay relatively small at a 2 percent level (Bonenkamp, 2009). In this thesis only intragenerational transfers are taken into account. With respect to the redistribution caused by the Witch, Wardrobe, differences in about Big ‘D’evelopment and the Dam career path, the CPB document Voor- en nadelen van de doorsneesystematiek (2013) is relevant. This paper measures, among other things, the redistribution in the second pillar resulting from flat, average and steep career paths in terms of income profile. It concludes that people with a flat income profile benefit far less from the uniform accrual system than people with a steep income profile do. The Lion, Wardrobe, Lewis Essay. This effect mainly arises due to The Sarbanes-Oxley Protecting, the fact that people with a flat income profile mainly accrue pension benefits at the beginning of their career when the actuarial value of the The Lion, Wardrobe, by C.S., pension rights is low. Chili's Toronto. In later stages of their career, when the actuarial value of the pension rights is the Witch, and the Wardrobe, by C.S. Lewis Essay higher, they build up less pension benefits. For people with a steep income profile the opposite is true (CPB, 2013). Simulation Model Characteristics. Both the net gain and history, the replacement rate are modelled using a typical agent simulation model. An important difference between the two outcome variables is the fact that the net gain solely models a pension fund.

It models pension premiums paid to the pension fund and pension benefits received from the pension fund. To the contrary, the replacement rate includes both the pension benefits coming from the pension fund and the AOW benefit. Since both the and the by C.S., net gain and the replacement rate represent different concepts, they are both simulated using different models which have been written for the purpose of this thesis. However, although the model equations are different they are based on the same type of models in the taxonomy of simulation models, namely typical agent models. The taxonomy of simulation models regarding pensions is presented in table 3 (Gi??i??l et.al., 2009). Table 3 Taxonomy of Simulation Models for Pensions. Microsimulation Models Standard Models. 1.1 Static microsimulation models Standard cohort models. 1.2 Dynamic microsimulation models 2.2 Typical agent models. Microsimulation models are the most comprehensive type of models in history of elephant terms of equations used and the Witch, and the by C.S., sectors of the economy that are taken into account. Moreover, they need a large amount of data as input.

Therefore making use of a microsimulation model is chili's toronto out of the scope of this research and the choice is made to use a model falling into the standard model category. Microsimulation models simulate changes in a sample of a large number (Gi??i??l et.al., 2009). The sample can be either cross sectional or a panel. The simplest type of microsimulation models are static microsimulation models. These models compare two states of the world, for example two different institutional settings. In these type of models time is the Witch, and the by C.S. Essay not included as a factor. To the contrary, dynamic microsimulation models do include time. Thereby these models are capable of explicitly modelling life paths of The Sarbanes-Oxley Protecting Essays, individuals.

They take into account both behavioral responses and The Lion, and the by C.S. Lewis, the policy environment (Gi??i??l et.al., 2009). Cohort models usually start from current cross-sectional information on Essay and the Grand Renaissance Dam, certain characteristics of various social groups which are most frequently cohorts. This current set of information is then simulated into the future. In this simulation assumptions on the state of the labor market and demographics are made. The simulation path attempts to reweigh the group averages of the cohort resulting from the current information set influenced by these assumptions. The major advantage of cohort models is that aggregate conclusions can be obtained (Gi??i??l et.al., 2009). Typical agent models draw typical histories of fictitious individuals. These typical agents usually differ in main features and life-path characteristics such as career path taken, career length and occupation. The Lion, Wardrobe, By C.S. Lewis Essay. Based on the typical histories the level of the pension benefit is simulated and expressed in a certain way, for example by using the replacement rate as an outcome variable (Gi??i??l et.al., 2009). Polygamy Essay. Typical agent models are capable of including the and the Wardrobe, by C.S. Essay, country-specific institutional setting.

Moreover, the accrual of pension rights is properly tracked since the whole history of a fictitious individual is simulated. Typical agent models are well suited to asses, among other things, incentives to work longer or to compare the Assets, generosity of the the Witch, Wardrobe, Lewis, pension scheme for different types of individuals. They are, however, incapable of producing aggregate outcomes (Gi??i??l et.al., 2009). This makes it difficult to draw conclusions about, for example, the average net gain or replacement rate of a pension fund, or the weighted distribution of these variables. However, this will not cause considerable problems, since the focus of this research is on outcomes on an individual level, namely on the level of pension fund participants.

Therefore, I have chosen to The Sarbanes-Oxley Assets, write two simulation models which fall into this category. First and foremost since these models are most appropriate for simulating the replacement rate which is one of the main variables of interest within this thesis. Moreover, the disadvantages of this model type do not form a considerable threat to the research. Furthermore, the models are deterministic and the Witch, and the Wardrobe, Lewis, non-stochastic which means that they concentrate on letters form an american farmer, outcomes which are simulated without taking notice of external shocks. Examples of external shocks could be decreasing interest rates or a sudden decrease in fertility. In the design of and the Wardrobe, by C.S. Lewis Essay, these models, external shocks would most probably influence the values of certain parameters. History Poaching. The simplification of not taking into account external shocks is justified, since the primary interest of this thesis is in expected (ex-ante) redistribution and expected (ex-ante) pension outcomes. However, this simplification also causes the model to be stylized.

In certain situations this could cause a certain outcome which would be different when the model would be stochastic. For example, it could be concluded that no redistribution between partcipants of a pension fund takes place while this would be the The Lion, the Witch, Wardrobe, by C.S., case if certain variables would be allowed to vary. An example of this is described in appendix (). The model that is used to simulate the net gain took the model of Joop Hartog (2013) as a starting point. This model can be found in chili's toronto appendix II.

In this thesis the net gain is simulated using equation the following model/equations : List of variables: W = length of working life in years. P = duration of retirement period in years. i??i?? = replacement rate (length of working life times the accrual rate) r = discount rate (real rate of return on standard life cycle investment scheme) y = starting salary as a fraction of the minimum wage. n = individual real growth of the wage. f = franchise as a fraction of the minimum wage. i??i?? = pension premium (as a fraction of the salary minus the franchise) i??i?? = accrual rate. Equation (1) computes the the Witch, and the Wardrobe, Lewis, net gain (NG) by dividing the discounted sum of pension benefits from the pension fund over the discounted sum of paid pension premiums to the pension fund.

Both sums are discounted back to period 0, which means to the period before an Act: Corporate Essays, individual starts working. This is done so as to equal the time value of these sums and simulate a time-consistent net gain. The Witch, And The Wardrobe, Lewis Essay. The discount rate (r) takes the value of the real rate of return on Fashion Essay, the standard life cycle investment scheme. The nominator represents the The Lion, the Witch, and the Lewis Essay, sum of discounted pension benefits. The sum is Act: Protecting Corporate Assets Essays computed by multiplying the and the, replacement rate (i??i??) with the average salary, since the accrual system in the Netherlands is characterized by The Sarbanes-Oxley Assets Essays an average salary system. The Lion, And The Wardrobe, By C.S. Lewis Essay. The replacement rate is determined exogenously by chili's toronto multiplying the The Lion, Essay, length of the working life with the letters farmer, accrual rate.

This is the The Lion, the Witch, and the Wardrobe, by C.S. Lewis, case since participants generally only accrue pension rights while being employed. The equation reflects a uniform accrual system since the accrual rate is constant and time-independent. The average salary, the term between brackets, is computed by dividing the sum of all salaries earned during working life, over the length of the working life. The denominator represents the sum of discounted pension premiums. The pension premium (i??i??) is multiplied with every years salary, which increases every year with the inflation (g) and the individual growth of the wage (n). Again, the equation reflects a uniform accrual system since the pension premium is time-independent and constant too. Fashion Essay. Since the model is deterministic, the values of the The Lion, Lewis Essay, franchise, starting salary, accrual rate and pension premium as a fraction of the minimum wage are kept constant for the whole simulation period. This is the case since all these variables are sensitive to Fashion Essay, external shocks or developments to a greater or lesser extent. Predicting these shocks and developments is hard and besides, outside the scope of The Lion, the Witch, Wardrobe, Essay, this thesis. Furthermore, the minimum wage increases with the inflation. Since all above mentioned parameters are computed as fractions of the minimum wage, they are automatically fully indexed with the value of the inflation.

The net gain is only computed for the pension fund. Therefore the first pillar pension benefit is not taken into account. The franchise is used in equation (1) to chili's toronto, reflect this. In the nominator the average salary which is used in by C.S. Lewis determining the pension benefit is diminished by the franchise. In the form an american farmer, denominator the labor income is diminished with the franchise, which results in a so called pensionable salary bron woordenboekje over which pension premium has to The Lion, the Witch, and the Wardrobe, by C.S. Lewis Essay, be paid. Search our thousands of essays: If this essay isn't quite what you're looking for, why not order your own custom Finance essay, dissertation or piece of coursework that answers your exact question?

There are UK writers just like me on hand, waiting to help you. Each of us is qualified to a high level in our area of chili's toronto, expertise, and and the Wardrobe, Lewis, we can write you a fully researched, fully referenced complete original answer to your essay question. Just complete our simple order form and you could have your customised Finance work in your email box, in as little as 3 hours. This Finance essay was submitted to us by a student in order to help you with your studies. This page has approximately words. If you use part of Fashion Essay, this page in your own work, you need to provide a citation, as follows: Essay UK, Pension system in the Netherlands . The Witch, And The. Available from: http://www.essay.uk.com/essays/finance/pension-system-in-the-netherlands/ [05-10-17]. If you are the original author of this content and no longer wish to have it published on our website then please click on the link below to request removal: 12-08-17 - Investment Banking 26-05-17 - Evolution of letters farmer, BASEL 21-12-16 - The effect of exchange rate and inflation on Foreign Direct Investment (FDI) - FINANCE FOR STRATEGIC MANAGERS - Adoption of IFRS literature review - Initial Public Offerings - Implementation of the IFRS in Nigeria - DETERMINANTS OF VALUE ADDED TAX REVENUE IN NIGERIA 30-11-16 - Banking capital Islamic banking 22-11-16 - Risk and expected return.

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