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Endowment Hoarding
Endowment most often refers to: *A term for human penis size It may also refer to: Finance * Financial endowment, pertaining to funds or property donated to institutions or individuals (e.g., college endowment) *Endowment mortgage, a mortgage to be repaid by an endowment policy *Endowment policy, a type of life insurance policy *A synonym for budget constraint, the total funds available for spending Economics * Endowment effect, a cognitive bias * Endowment, a term used for land reclamation * Endowment of natural or other resources that can become capital by the process of production Other * Endowment (philosophy); as a philosophical term * Endowment (Latter Day Saints); a temple ceremony that confers heavenly priesthood power in Mormon theology * Endowment (Mormonism) In Mormonism, the endowment is a two-part ordinance (ceremony) designed for participants to become kings, queens, priests, and priestesses in the afterlife. As part of the first ceremony, participants take ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Human Penis Size
Human penises vary in size on a number of measures, including length and circumference when flaccid and erect. Besides the natural variability of human penises in general, there are factors that lead to minor variations in a particular male, such as the level of arousal, time of day, room temperature, anxiety level, sport activity and frequency of sexual activity. Compared to other primates, including large examples such as the gorilla, the human penis is thickest, both in absolute terms and relative to the rest of the body. Measurements vary, with studies that rely on self-measurement reporting a significantly higher average than those with a health professional measuring. , a systematic review of 15,521 men, who were measured by health professionals rather than themselves, concluded that the average length of an erect human penis is 13.12 cm (5.17 inches) long, while the average circumference of an erect human penis is 11.66 cm (4.59 inches). Flaccid penis length ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Financial Endowment
A financial endowment is a legal structure for managing, and in many cases indefinitely perpetuating, a pool of financial, real estate, or other investments for a specific purpose according to the will of its founders and donors. Endowments are often structured so that the inflation-adjusted principal or "corpus" value is kept intact, while a portion of the fund can be (and in some cases must be) spent each year, utilizing a prudent spending policy. Endowments are often governed and managed either as a nonprofit corporation, a charitable foundation, or a private foundation that, while serving a good cause, might not qualify as a public charity. In some jurisdictions, it is common for endowed funds to be established as a trust independent of the organizations and the causes the endowment is meant to serve. Institutions that commonly manage endowments include academic institutions (e.g., colleges, universities, and private schools); cultural institutions (e.g., museums, librarie ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Endowment Mortgage
An endowment mortgage is a mortgage loan arranged on an interest-only basis where the capital is intended to be repaid by one or more (usually Low-Cost) endowment policies. The phrase "endowment mortgage" is used mainly in the United Kingdom by lenders and consumers to refer to this arrangement and is not a legal term. The borrower has two separate agreements: one with the ''lender'' for the ''mortgage'', and one with the ''insurer'' for the ''endowment policy''. The arrangements are distinct and the borrower can change either arrangement if they wish. In the past the endowment policy was often taken as an additional security by the lender. That is, the lender applied a legal device to ensure the proceeds of the endowment were made payable to them rather than the borrower; typically the policy is assigned to the lender. This practice is uncommon now. Reasons for an endowment mortgage The customer pays only the interest on the capital borrowed, thus reducing the monthly pa ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Endowment Policy
An endowment policy is a life insurance contract designed to pay a lump sum after a specific term (on its 'maturity') or on death. Typical maturities are ten, fifteen or twenty years up to a certain age limit. Some policies also pay out in the case of critical illness. Policies are typically traditional with-profits or unit-linked (including those with unitised with-profits funds the holder then receives the surrender value which is determined by the insurance company depending on how long the policy has been running and how much has been paid into it. Pension insurance provides many benefits. They can be used as a low-risk way to save. Policyholders can choose how much to pay each month and how long they want to stay, usually for 10 or 20 years. Traditional with profits endowments There is an amount guaranteed to be paid out called the sum assured and this can be increased on the basis of investment performance through the addition of periodic (for example annual) bonuses. ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Budget Constraint
In economics, a budget constraint represents all the combinations of goods and services that a consumer may purchase given current prices within his or her given income. Consumer theory uses the concepts of a budget constraint and a preference map as tools to examine the parameters of consumer choices . Both concepts have a ready graphical representation in the two-good case. The consumer can only purchase as much as their income will allow, hence they are constrained by their budget. The equation of a budget constraint is P_x x+P_y y=m where P_x is the price of good X, and P_y is the price of good Y, and m = income. Soft budget constraint The concept of soft budget constraints is commonly applied to economies in transition. This theory was originally proposed by János Kornai in 1979. It was used to explain the "economic behavior in socialist economies marked by shortage”. In the socialist transition economy there are soft budget constraint on firms because of subsidies, c ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Endowment Effect
In psychology and behavioral economics, the endowment effect (also known as divestiture aversion and related to the mere ownership effect in social psychology) is the finding that people are more likely to retain an object they own than acquire that same object when they do not own it. The endowment theory can be defined as "an application of prospect theory positing that loss aversion associated with ownership explains observed exchange asymmetries." This is typically illustrated in two ways. In a valuation paradigm, people's maximum willingness to pay (WTP) to acquire an object is typically lower than the least amount they are willing to accept (WTA) to give up that same object when they own it—even when there is no cause for attachment, or even if the item was only obtained minutes ago. In an exchange paradigm, people given a good are reluctant to trade it for another good of similar value. For example, participants first given a Swiss chocolate bar were generally willing to ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Land Reclamation
Land reclamation, usually known as reclamation, and also known as land fill (not to be confused with a waste landfill), is the process of creating new land from oceans, seas, riverbeds or lake beds. The land reclaimed is known as reclamation ground or land fill. In some jurisdictions, including parts of the United States, the term "reclamation" can refer to returning disturbed lands to an improved state. In Alberta, Canada, for example, reclamation is defined by the provincial government as "The process of reconverting disturbed land to its former or other productive uses." In Oceania, it is frequently referred to as land rehabilitation. History One of the earliest large-scale projects was the Beemster Polder in the Netherlands, realized in 1612 adding of land. In Hong Kong the Praya Reclamation Scheme added of land in 1890 during the second phase of construction. It was one of the most ambitious projects ever taken during the Colonial Hong Kong era.Bard, Solomon. 002 ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Capital (economics)
In economics, capital goods or capital are "those durable produced goods that are in turn used as productive inputs for further production" of goods and services. At the macroeconomic level, "the nation's capital stock includes buildings, equipment, software, and inventories during a given year." A typical example is the machinery used in factories. Capital can be increased by the use of the factors of production, which however excludes certain durable goods like homes and personal automobiles that are not used in the production of saleable goods and services. Adam Smith defined capital as "that part of man's stock which he expects to afford him revenue". In economic models, capital is an input in the production function. The total physical capital at any given moment in time is referred to as the capital stock (not to be confused with the capital stock of a business entity). Capital goods, real capital, or capital assets are already-produced, durable goods or any non-fi ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Endowment (philosophy)
Endowment is a concept in philosophy that refers to human capacities and abilities which can be naturally or socially acquired. Natural endowment is biologically analysed. It is examined through individual genes or inborn abilities. Social endowment is explored through the culture and ethics of human lives in their communities. Natural and social endowment can be used to explain the behaviour of individuals. This natural and social distinction exemplifies individuals' positions within communities. The differences in human capacities enables diverse perceptions towards a similar situation. This includes Stephen Covey's human endowments which are self-awareness, imagination, will power, abundance mentality, courage, creativity, and self-renewal. The philosophical studies of human nature or endowment is outlined in the theories of medieval philosophers on human evolution such as; Jean-Jacques Rousseau, Aristotle, and Baruch Spinoza. Description Endowment in philosophical terms encom ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Endowment (Latter Day Saints)
In the theology of the Latter Day Saint movement, an endowment refers to a gift of "power from on high", typically associated with the ordinances performed in Latter Day Saint temples. The purpose and meaning of the endowment varied during the life of movement founder Joseph Smith. The term has referred to many such gifts of heavenly power, including the confirmation ritual, the institution of the High Priesthood in 1831, events and rituals occurring in the Kirtland Temple in the mid-1830s, and an elaborate ritual performed in the Nauvoo Temple in the 1840s. The term ''endowment'' has the most significance to adherents of the Latter Day Saint branch known as Mormonism, including most prominently the Church of Jesus Christ of Latter-day Saints (LDS Church), which practices a form of the Nauvoo endowment. The Nauvoo endowment ceremony, introduced by Joseph Smith and codified by Mormon leader Brigham Young, consisted of symbolic acts and covenants designed to prepare participants t ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Endowment (Mormonism)
In Mormonism, the endowment is a two-part ordinance (ceremony) designed for participants to become kings, queens, priests, and priestesses in the afterlife. As part of the first ceremony, participants take part in a scripted reenactment of the Biblical creation and fall of Adam and Eve. The ceremony includes a symbolic washing and anointing, and receipt of a "new name" which they are not to reveal to others except at a certain part in the ceremony, and the receipt of the temple garment, which Mormons then are expected to wear under their clothing day and night throughout their life. Participants are taught symbolic gestures and passwords considered necessary to pass by angels guarding the way to heaven, and are instructed not to reveal them to others. [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
