Download or read book The Good Retirement Guide 2013 written by Frances Kay and published by Kogan Page Publishers. This book was released on 2013-01-03 with total page 504 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement is a time of opportunity. Without the routine demands of working life, new ambitions can be realized and experiences enjoyed. Yet with so much to consider, people are often unsure how best to plan for their future. Furthermore, with rising retirement ages, the closure of many final salary pension schemes, poor annuity rates and uncertainty regarding universal benefits, the scope for concern and confusion is even greater. The Good Retirement Guide is essential reading for all those looking forward to making the most of their retirement, and offers clear and concise suggestions and advice on a broad range of retirement-related subjects, including finance (investments, pensions, annuities, benefits and tax), housing, health, holidays, starting a business and looking after elderly parents.
Download or read book The Daily Telegraph Tax Guide 2013 written by David Genders and published by Kogan Page Publishers. This book was released on 2013-05-03 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Daily Telegraph Tax Guide contains everything you need to know about completing a Self-Assessment tax return for 2012/13 including: full details of the new High Income Child Benefit tax charge section-by-section worked illustrations key changes from the 2012 Autumn Statement and March 2013 Budget dealing effectively with HM Revenue & Customs when and how to file your return and pay your tax For any taxpayer, whether self-employed, part-time, retired or unemployed, the book:- is an invaluable resource that can help ensure that you are as tax efficient as possible offers practical advice, timetables and examples that aim to simplify what many people view as a complex and challenging procedure With a whole range of top tips for saving on all types of tax, The Daily Telegraph Tax Guide is the essential guide to completing your 2012/13 tax return.
Download or read book Schools for Special Needs 2012 2013 written by Gabbitas and published by Kogan Page Publishers. This book was released on 2012-11-03 with total page 592 pages. Available in PDF, EPUB and Kindle. Book excerpt: Special needs provision continues to be the focus of much attention. A growing emphasis on the importance of meeting individual and often complex needs means that finding the right school for your child can be a complicated process. Schools for Special Needs is an indispensable aid for anyone investigating the legal and practical aspects of SEN provision for children and young people at all stages of education. Included in this edition: assessment and identification of needs, statementing, suitable provision and school choice coverage of all special needs from ADHD and Autism to Speech and Language Difficulty and Visual Impairment where to seek help, parents' rights and the role of the local authority the Special Educational Needs Code of Practice directories of independent and non-maintained special schools, colleges and support services state-maintained special schools, and mainstream independent schools with specialist provision To see schools online, visit the Guide's website at www.schoolsforspecialneeds.co.uk
Download or read book The Good Non Retirement Guide 2012 written by Frances Kay and published by Kogan Page Publishers. This book was released on 2012-01-03 with total page 448 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement is a time of immense opportunity. Without the routine demands of working life, new ambitions can be realized and new experiences enjoyed. Yet with so much to consider, people are often unsure how best to plan for their future. Furthermore, with rising retirement ages, the closure of many final pension salary schemes and uncertainty regarding universal benefits, the scope for concern and confusion is now even greater. The Good Non Retirement Guide is essential reading for all those looking forward to making the most of their retirement, and offers clear and concise suggestions and advice on a broad range of retirement-related subjects, including pensions, tax, leisure activities, voluntary work and health.
Download or read book Model Rules of Professional Conduct written by American Bar Association. House of Delegates and published by American Bar Association. This book was released on 2007 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.
Download or read book Finance for Housing written by Davis, Cathy and published by Policy Press. This book was released on 2013-07-17 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: The global financial crisis of 2007-08 was triggered by sub-prime mortgage mis-selling in the US and the global sale of these debts as new bonds. Austerity programmes are designed to reduce the borrowing that governments undertook to stabilise failing banking systems but the UK's Coalition government is using 'austerity' as a cover to dismantle the welfare state. Housing is at the forefront of these changes. Mortgages and rental costs are rising as 'the market' dictates them, while people with low incomes now receive substantially less financial help from the welfare state. In this much-needed text by an experienced author with a policy background, current housing finance issues (and their history) are linked with broader social policy and political themes. It covers the finance of building and refurbishment, managing and maintaining property for all the different tenures (owner occupation, council housing, housing association and private renting), and discusses whether current arrangements are sustainable. Written for housing, social policy and politics students and staff, it is also accessible to anyone concerned about housing in Britain today.
Download or read book Reclaiming Local Democracy written by Newman, Ines and published by Policy Press. This book was released on 2014-05-07 with total page 235 pages. Available in PDF, EPUB and Kindle. Book excerpt: Austerity has left local government struggling to meet the demands for local services. In this context, this book asks ‘what are the fundamental principles that should guide decision-making by local councillors and officers?’ It seeks to move the agenda from ‘what works?’ to ‘what should local government do?’ and ‘how will its policies impact on social justice and local democracy?'. Reclaiming local democracy examines the politics of human need and argues that local government should provide a voice for those that lack power. It avoids the dry, familiar debate about what structures and powers local government should have, instead seeking to energise all concerned to re-engage with a political and ethical approach. Written in a persuasive and accessible way, the book examines how local government can develop active citizens and make a difference to the well-being of those in disadvantaged areas – truly 'reclaiming local democracy'. Combining theory and international practice, it will be relevant for councillors, policy officers and activists in the third sector, as well as academics and students in politics and social policy.
Download or read book The Single tier State Pension written by Great Britain: Parliament: House of Commons: Work and Pensions Committee and published by The Stationery Office. This book was released on 2013-04-04 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report welcomes the improvements in retirement income that the new Single-tier State Pension will bring. However, the key to the policy's successful implementation lies in the Government informing the public as soon as possible about how it will affect individuals. The Committee criticises the Government for hampering its scrutiny of the proposals. The Government not only imposed an extremely tight timetable, but brought forward the implementation date by a year, after the Committee had completed taking evidence. The Committee says that the Government must work with them to ensure the transition is as smooth as possible and that Defined Benefit pension schemes do not suffer as a result. The Government should also develop and publish a clear explanation of how means-tested support, including passported benefits, will operate under the Single-tier Pension, and the transitional protection that will be put in place. Many women born between 1952 and 1953 believed that they would suffer a double adverse effect on their State Pension income, arising from the increases in their State Pension Age combined with their ineligibility for the Single-tier Pension, if it was introduced in 2017 as set out in the White Paper. The Government should clarify the position. Some women did not build up their own NI record because they had an expectation that they would be able to rely on their husband's contributions to give them entitlement to a Basic State Pension. The Government should assess and publish the cost of allowing women in this position who are within 15 years of State Pension Age to retain this right
Download or read book Budgeting for Local Governments and Communities written by Douglas Morgan and published by Routledge. This book was released on 2017-09-19 with total page 608 pages. Available in PDF, EPUB and Kindle. Book excerpt: Budgeting for Local Governments and Communities is designed as the primary textbook for a quarter or semester-long course in public budgeting and finance in an MPA programme. Many currently available texts for this course suffer from a combination of defects that include a focus on federal and state budgeting, a lack of a theoretical governance framework, an omission of important topics, and typically a lack of exercises and datasets for student use. Budgeting for Local Governments and Communities solves all of these problems. The book is exceptionally comprehensive and well written, and represents the efforts of veteran authors with both teaching and real-world experience. Key Features: Special Focus on Local Government Budgeting: focuses exclusively on budgeting at the local levels of American government, which are responsible for spending 40 percent of the taxes collected from citizens. Integration of Theory and Practice: teaching cases and chapters capture the "lessons learned" by professional practitioners who have extensive experience in making local public budgeting work on the ground. Polity Approach to Local Budgeting: presents an introduction to local budgeting as the central political activity that integrates the resources of the community into a unified whole. Budgeting is presented as governance work, rather than as a unique set of skills possessed by analysts and financial specialists. Legal, Historical, Economic and Moral Foundations of Local Government Budgeting: provides readers with an understanding of how the structures and processes of local budgeting systems are firmly tethered to the underlying core values, legal principles and historical development of the larger American federal, state and local political systems. Electronic Datasets and Budgeting Exercises: the text includes access to extensive electronic datasets and practice exercises that provide abundant opportunities for students to "learn through doing." Extensive Glossary and Bibliography: covers terms on the history and practice of local public budgeting.
Download or read book Hungry Britain written by Hannah Lambie-Mumford and published by Policy Press. This book was released on 2017-07-05 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examining the prolific growth of UK charitable emergency food provision over the past fifteen years, Hungry Britain uses the human right to food as a pathway to developing solutions to food poverty. Hannah Lambie-Mumford draws on data from the country's two largest charitable food providers to explore the effectiveness of this emerging system of food acquisition, its enduring sustainability, and, most importantly, where responsibility lies for ensuring that all people can realize their human right to food. She shows that the increasing tendency of charitable food providers to take responsibility for protecting people against food poverty occurs in tandem with significant cuts to the welfare state--cuts shaping both the need for and nature of emergency food provision. Arguing for a clear, rights-based framework, this book envisions a future where a range of actors--from the state to charities and the food industry--will be jointly accountable in combating food poverty.
Download or read book Support for Armed Forces Veterans in Wales written by Great Britain: Parliament: House of Commons: Welsh Affairs Committee and published by The Stationery Office. This book was released on 2013-02-12 with total page 172 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Report examines whether the level of support provided to Armed Forces veterans in Wales - both immediately before they leave the service and once they return to civilian life -is adequate. The key recommendation is that the Welsh Government take forward proposals to establish a network of 'one-stop shops' for veterans across Wales. A great deal of support is available for veterans in Wales, but often a lack of awareness means that support is not taken up. A one-stop shop for veterans would be a convenient way for veterans to access information and receive advice on a range of important issues, such as housing, finances and employment. To avoid duplication, however, the Welsh Government needs to take into account the support launched or planned by local authorities as part of their Community Covenants. There should also be better co-ordination of the work done by the many charities supporting veterans. In the light of recent court cases which have illustrated the need for vigilance to prevent fraudsters taking advantage of the public's willingness to give to veterans' charities there should be much more stringent inspection of charities' finances. There is also concern about charities providing treatments for complex psychological issues that do not meet NICE guidelines. The regulation of charities may be insufficiently robust in this area. The Charity Commission should insist that veterans' charities which offer medical, psychological or counselling services provide documentation from the relevant professional bodies to confirm that they have the appropriate endorsement for the services they offer
Download or read book Road To Referendum written by Iain Macwhirter and published by Cargo Publishing. This book was released on 2014-05-08 with total page 321 pages. Available in PDF, EPUB and Kindle. Book excerpt: The essential guide for anyone who wants to know more about Scotland's biggest political decision, this is the story of the road to referendum and the journay beyond, from one of the UK's most insightful political writers. "A truly important book, particularly at this moment." ~ Andrew Marr. "A terrific book [...] full of shrewd insights. I'd recommend it highly." ~ The Guardian *The official companion to the major television series.*
Download or read book Parliamentary Debates Hansard written by Great Britain. Parliament. House of Commons and published by . This book was released on 2013 with total page 532 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Disability Studies written by Colin Cameron and published by SAGE. This book was released on 2013-11-12 with total page 185 pages. Available in PDF, EPUB and Kindle. Book excerpt: This textbook brings together a wide range of expert voices from the field of disability studies and the disabled people′s movement to tackle the essential topics relevant to this area of study. From the outset disability is discussed from a social model perspective, demonstrating how future practice and discourse could break down barriers and lead to more equal relationships for disabled people in everyday life. An interdisciplinary and broad-ranging text, the book includes 50 chapters on topics relevant across health and social care. Reflective questions and suggestions for further reading throughout will help readers gain a critical appreciation of the subject and expand their knowledge. This will be valuable reading for students and professionals across disability studies, health, nursing, social work, social care, social policy and sociology.
Download or read book Law in a Complex State written by Neville Harris and published by Bloomsbury Publishing. This book was released on 2013-10-14 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt: Approximately half of the total UK population are in receipt of one or more welfare benefits, giving rise to the largest single area of government expenditure. The law and structures of social security are highly complex, made more so by constant adjustments as government pursues its often conflicting economic, political and social policy objectives. This complexity is highly problematic. It contributes to errors in decision-making and to increased administrative costs and is seen as disempowering for citizens, thereby weakening enjoyment of a key social right. Current and previous administrations have committed to simplifying the benefits system. It is a specific objective of the Welfare Reform Act 2012, which provides for the introduction of Universal Credit in place of diverse benefits. However, it is unclear whether the reformed system will be either less complex legally or more accessible for citizens. This book seeks to explain how and why complexity in the modern welfare system has grown; to identify the different ways in which legal and associated administrative arrangements are classifiable as 'complex'; to discuss the effects of complexity on the system's administration and its wider implications for rights and the citizen-state relationship; and to consider the role that law can play in the simplification of schemes of welfare. While primarily focused on the UK welfare system it also provides analysis of relevant policies and experience in various other states.
Download or read book Ernst Young Tax Guide 2013 written by Ernst & Young LLP and published by John Wiley & Sons. This book was released on 2012-11-05 with total page 1026 pages. Available in PDF, EPUB and Kindle. Book excerpt: File your taxes with the help of a proven leader If you wish to personally prepare your 2012 federal tax return, but seek the guidance of a trusted name in this field, look no further than the Ernst & Young Tax Guide 2013. Drawing from the tax experience and knowledge base of Ernst & Young professionals, this reliable resource not only covers how to file your federal income tax return but also provides valuable insights on how to avoid common errors and maximize your federal tax deductions. Designed in a straightforward and accessible style, the Ernst & Young Tax Guide 2013 contains essential information that will help you save time and money as you prepare your 2012 federal tax return. Throughout the book, you'll find hundreds of examples illustrating how tax laws work, as well as sample tax forms and schedules to show you how to fill out your return line by line. Includes 50 of the most commonly overlooked deductions to take into account when preparing your return Provides specific solutions in its special contents index for taxpayers in particular circumstances, including families, homeowners, investors, entrepreneurs, senior citizens, and military personnel Contains an individual tax organizer, 2013 tax calendar, and a summary of expiring provisions Provides checklists of key 2012 tax breaks and deductions you may be eligible to use Comprehensive yet direct, the Ernst & Young Tax Guide 2013 has everything you'll need to personally prepare your 2012 federal tax return.
Download or read book Income Averaging written by United States. Internal Revenue Service and published by . This book was released on 1985 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt:
