We use a unique data set of annuities in the United Kingdom to test for adverse selection. We find systematic relationships between ex post mortality and annuity characteristics, such as the timing of payments and the possibility of payments to the annuitant's estate. These patterns are consistent with the presence of asymmetric information.…

This guide is intended to answer employers' questions on how to hire and manage workers who have an intellectual impairment. Following an introductory description and definition of intellectual impairment, the guide addresses relevant issues through a series of responses to questions: (1) Do individuals with an intellectual impairment make good…

A resource guide for family day care providers in Massachusetts was developed as an initiative of the state Office for Children. Chapters are as follows: (1) Getting Ready to Do Family Day Care (e.g., definitions, provider qualifications, preparing your home, assistants, complaints); (2) Partnership with Parents (e.g., interviews, trial period,…

This guide is designed to provide immigrants with an understanding of the way immigration law works and information on daily life in the United States. It consists of two parts: (1) a section on immigration law, with an overview and detailed information on the types of visas available and sample immigration forms; and (2) information on American…

This textbook reviews the principal concerns within each of 13 major responsibility areas in school business administration. The first chapter assesses the political, social, and economic context in which schools function and school administrators work. The role and function of the school business administrator within this context is addressed in…