“小博士”保障规划计划书

（20xx年3月10日制）

根据投保人的意愿和要求，特制定如下保险计划：

设计说明

孩子是父母生命的延伸,是每个家庭的希望和未来,为了给孩子一个快乐的童年和美好的明天,让我们一同来呵护他的成长,为他提前做好教育规划。“孩子，愿你将来比我强！”麦克·阿瑟将军的话道尽天下父母的心声。当孩子已站在人生的起跑线时，您为他做好出发前的准备了吗？

保险顾问： 组合保障：（本保障专为0岁男孩设计）

投保险种 样样红少年智 金佑人生 保费豁免 个人平安

缴费年限

10 10 每年

保障期限 终身 终身

保额

年缴保费 50000

54180

3990 190

保费合计

保险利益：

1．【大学教育金：】

*18—21周岁，每年领取大学报名费53447元，专款专用。如不领取，皆可进入万能账户，享受日计息，月复利高额回报。

*如有需要，万能账户上295998元随时可以灵活支取，应用到各项教育投资中。

2．【婚嫁创业金：】

*25周岁时领取父母的爱心婚嫁创业金178158元，如不领取，皆可进去万能账户啊，享受日计息，月复利高额回报。

*如有需要，万能账户上864058元随时可以灵活支取，为孩子的婚礼添砖加瓦。

3．【万能账户金：】

*孩子在成家立业后，我们也为孩子准备了一个活期存折，享受定期收益：

若在30岁时取出来，有1168133元，不取则月复利累积生息。 若在40岁时取出来，有1989212元，不取则月复利累积生息。 若在50岁时取出来，有3032696元，不取则月复利累积生息 。 若在60岁时取出来，有5010223元，不取则月复利累积生息。 若在70岁时取出来，有7830249元，不取则月复利累积生息 。

4.【健康储备金：】

*投保之日180天后享受最低100000元的60种重大疾病保障金和20000元12种轻症保障，并逐年递增

累积至30岁178752 累积至40岁211494 累积至50岁248034 累积至60岁288750 累积至70岁334054 累积至80岁384397

5.【平安锁：】

*平安保障50000元，若因意外伤害进行门急诊或者住院治疗，最高5000元。（与城镇医疗互补）

“老来福”保障规划计划书

（20xx年3月10日制）

根据投保人的意愿和要求，特制定如下保险计划：

设计说明

养老保险，您办了吗？

人不一定会生病，但一定会老，老了不一定会挣钱，但一定会花钱，年老时花的钱一定是年轻时存下的，养老的钱必须是稳定的无风险的现金，交的越多，领的越多，交的越早，领的越多。

组合保障：46岁女士

投保险种

样样红老来福

保费豁免

心安怡 缴费年限 5 1 保障期限 终身 1 保额 年缴保费 31000 1310 32310 保费合计

保险利益：

1．【养老金领取】

65岁开始领养老金，每年领取23570元至终身，到百年还有相当于本金的资产留给家人，如不领可进入万能帐户。

2．【万能帐户金】

若在65岁时取出来，有282401元，不取则月复利累积生息。

若在70岁时取出来，有353917元，不取则月复利累积生息 。

若在80岁时取出来，有553378元，不取则月复利累积生息。

3.【健康住院医疗】

如有住院医疗50000元，补贴重大疾病100000元。

 

第二篇：博士研究计划书的撰写样本

Ralf Garson

20.04.2013

Presentation of my research ideas

Dear DBA Directors,

In this letter I would like to submit a more detailed presentation of my research ideas, required for admission to your DBA programme in technology management.

Area of interest: Patents

Research question: Does the accessibility of patent information over the internet increase the significance of

minor patents as a source of information?

Background and Patents serve two main purposes: they protect inventions and they are a source of

relation to my job: information, mainly about solutions to technical problems. “In fact, more than 80% of all

the technical knowledge in the world can be found in patent literature”. [European Patent

Office, 1999] To fulfil these two functions, patent information needs to be available to the

public.

With the term ?minor patents? in the research question I refer to technical patents that are

neither broad nor a major breakthrough. They are mostly small improvements of already

existing solutions resulting from solving a specific engineering problem of narrow scope.

The patent claims in this case are rather narrow and the invention is not very different from

prior art. They usually do not lead to technology leaps or breakthroughs, killer applications

or products which will be widely used and applied, e.g. the Laser.

During my career so far I have experienced that minor patents are mostly written by

companies to protect their inventions. Minor patents are hardly used as a knowledge pool,

which actually is their second function. Engineers usually do not search for existing minor

patents concerning solutions to specific problems within their current project or ideas for

their day-to-day design work.

It would be interesting to figure out the reasons why minor patents are seen one-sided as

protection tool but not as a helpful and inexhaustible source of solutions.

My assumption is that this can be mainly attributed to various difficulties and constraints of

getting access to patent information. Patent information was always available to the public

in the past, but not in a convenient way. You had to go to patent libraries at distant locations

and you had to conduct manual searches for the information. A convenient database access

was available mainly to patent professionals. Patents were - and to a large extend still are

today - handled by these patent professionals: internal patent offices or contracted external

patent lawyers. They have full access to patent databases and the knowledge how to conduct

an effective search in the jungle of patent titles and language which mostly try to disguise

the actual claims. In addition, due to limited resources and economic considerations patent

offices commonly only follow patent applications from major competitors, independent

research institutions active in related fields and essential key topics or concentrate on filing

important major patents for the company.

An engineer?s request to check for existing minor patents regarding his problem might take

to long too be processed which in return might cause delays at his end. Or his request might

Research ideas:

not be processed at all due to resource and economic considerations. Therefore, the average engineer did, and still does, not utilize minor patents as a knowledge base. However, since less than four years at least European patent information is available on the internet to the general public free of charge. “To promote the utilisation of this information and to widen the existing channels for the dissemination of patent information, the European Patent Office got together in summer 1998 with the member states of the European Patent Organisation and the European Commission to launch a new service called esp@cenet, which is easily accessible via the Internet. The main aim of this new service is to provide users with a readily accessible source of free patent information”. [European Patent Office, 1999] My assumption is that the accessibility of patent information over the internet increases the significance of minor patents as a knowledge base for technical solutions for the average engineer. It circumvents the accessibility problem since one can directly access the information and check for hints, ideas and solutions quickly, efficient and cost effective. He can also regularly check for new patents in his respective area of interest, not being limited to activities of competitors or a narrow industry when being supplied with new patent information via the standard channel of the patent office. The first task is to assess the current significance of minor patents as a source of information. That way I can later on determine if the internet accessibility of minor patent information does increase the significance. This assessment of the current situation can be done either via own research or via already published research regarding this topic. It can be checked how many requests for minor patent research are submitted to and completed by patent offices nowadays, how often the average engineer searches for and uses minor patents currently, and other quantitative questions. In order to check if my assumption is true that significance will be increased trough internet accessibility I have to control for other factors which could influence the significance of minor patents. That ensures that only the accessibility over the internet will be considered to answer the research question. The research procedure outlined in the chart below seems appropriate to me. The boxes represent influencing factors that need to be considered. This list is not complete at the moment, but it will give an overview of the different nature of topics to be considered. The analysis of each of the factors can show negative (No) and/or positive (Yes) results. The meaning of the outcome is best explained with an example from the first box: when 20 out of 100 engineers do not have internet access at their workplace then for these 20 (?No?-path in the chart) the significance of minor patents as a source of information is not increased through the availability of patent information over the internet. For them it simply does not matter if this information is available on the internet, since they do not have internet access. For the remaining 80 (?Yes?-path in the chart) there still is the possibility that the significance of minor patents as a source of information is increased through the availability of patent information over the internet. These 80% with the possibility of increased significance are then analyzed for the next influencing factor in the same fashion and so on. By going through this logical tree the influencing factors get filtered out one by one and at the end only the possible influence of the internet accessibility to the significance increase can be analyzed. This final analysis is then a comparison between the current significance determined earlier and the outcome of the internet accessibility analysis.

NoNoNoNoNoNo

A brief explanation of the factors identified so far follows. If an engineer has internet access but does not know how to operate the internet it is unlikely that patent databases on the web increase the significance of patent information to him. I experienced that this is mostly the case with older engineers. If he knows how to surf the web he still might not know of the existence of patent databases

on the internet. Since patents in the past were mostly handled by patent offices he might not

be aware that this information is available to him directly now. Then he can not use it and

therefore, no significance increase through internet accessibility to him.

Once an engineer is on the patent research website will he be able to conduct an effective

search? Will he be able to find a solution to his current problem? Will he find a way through

deceptive titles and language? Does he know enough technical English to search patents

from other countries? If he becomes frustrated by lingering searches with no results for his

problem, the significance of minor patents to him did not increase, even though he can

access them on the web.

Once he found a matching minor patent offering a solution to his problem, will he be willing

to use it to solve his problem ? I experienced that many engineers take pride in coming up

with their own proprietary solution to a problem. Even though they might end up spending

more resources for that then taking up a minor patent idea and adapting or refining it. This

aspect should not be underestimated.

Even when he is willing to use the minor patent it is not sure that he is capable of doing it.

Here issues of patent infringement come into play. He has to contact the patent owner and

work out an economically feasible agreement. If it most of the time takes too long to be able

to use a minor patent, if it is too costly to use it, or if it is not permitted by the patent owner,

then patent information on the internet do not increase the significance of minor patents.

All these factors are of course dynamic which needs to be taken into consideration into the

research design for analyzing the influence of each factor. Internet access at the workplace

will increase in the future and younger engineers coming in to replace retired ones will be

proficient in using the internet. Search engines will become more efficient in finding patent

databases. Courses for engineers how to effectively search the patent databases will increase

their use and so on.

As required by the curriculum I plan to start off with an extensive literature review to check

the novelty of my research question, to become an expert on patent related issues and to

refine my research ideas.

To exactly determine which research method is appropriate for the specific factor to be

analyzed or the specific question to be answered I first would like to complete the first two

workshops beginning of next year to gain a little more insight into how research can be

planned and conducted. I think some hints and input from my research advisors to get

started in the right direction would help as well. A brief explanation of some research ideas

follows. To check the capabilities to find relevant information within the patent database the

following experiment could be designed. A minor patent is picked and the engineer is given

a hypothetical technical problem from his field of work. The solution to that problem is

represented in that minor patent. He is only given access to the patent database but no hints

or advice how to conduct the search and has to try to find this respective patent. To check

for learning effects, this experiment has to be done a couple times with new problems and

patents every time.

To determine if an engineer is willing to use a patent or prefers to come up with his own

solution could be determined by a questionnaire. Here some psychological or sociological

research tools need to be applied, which I need to get familiar with.

To determine if the information can be utilized some mock requests for licensing could be

made to check the time needed and the economical feasibility. For such kind of test both

parties involved need to be informed (senior management) upfront and need to grant

permission.

In general there should be a substantial amount of quantitative data regarding minor patents

available from the European Patent Office. Through my job I have access to senior

managers of various companies. I am confident to get their permission to conduct research

in cooperation with their company and employees. That should enable me to get a

representative sample population to conduct my research.

I hope that my research interest fits your programme content and the interest of your respected faculty members.

This letter represents just the first draft of my research proposal since I understand from your programme information that the research proposal is presented and discussed in the workshops and evolves through completion of the

workshops. It will then be finalized including detailed research methodology and the formal literature review forming the basis for the subsequent dissertation work.

I am looking forward to hearing from you.

Best regards,

Ralf Garson