Download or read book HM Treasury Freedom and Choice in Pensions Cm 8835 written by Great Britain: H.M. Treasury and published by The Stationery Office. This book was released on 2014-03-19 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: This consultation form a key part of a wider set of reforms announced at Budget 2014. The government is keen to ensure that individuals who want to save are supported in doing so. The nature of retirement is changing as people are living longer and their needs more varied. In this Government's view the State should not be imposing restrictions on individuals who have made tough choices to save for the future. So from next year there will be no restrictions on people's ability to draw down from their defined contribution pension pots after age 55. The tax rules will be drastically simplified to give flexible access to pension savings. Consumers will therefore also need to be well informed to make their choices and the Government will introduce a new duty on pension providers and schemes to deliver a 'guidance guarantee' by April 2015. They will also make available a £20 million development fund to get the initiative up and running
Download or read book HC 1189 Budget 2014 written by Great Britain: Parliament: House of Commons: Treasury Committee and published by The Stationery Office. This book was released on 2014-05-09 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this report the Treasury Committee makes recommendations on pensions, savings, HMRC debt recovery powers and housing. The greater flexibility and choice provided by the proposed pension reforms is welcomed. The 'guidance guarantee' is an important part of making sure that consumers benefit from increased choice. It should be measured against a set of recommended principles to ensure its effectiveness. The pensions reforms are also likely to lead to financial innovation. Following the financial crisis, and the mis-selling scandals, the reputation of the industry is under scrutiny. With regard to savings - double taxation has long been a deterrent to some forms of saving. With the enhanced flexibility for those saving there may now be scope in the long term for bringing the tax treatment of savings and pensions together to create a 'single savings' vehicle. The proposal to grant the power to HMRC to take money directly from people's bank accounts is extremely concerning. Exceptional powers such as this require prior independent oversight. With regard to housing, the Help to Buy scheme, at least in the short-to-medium term, could raise house prices. There is also the risk that withdrawal of Help to Buy may have a distorting effect on the housing market. The need to address these difficulties places a particular responsibility on the FPC, as well as the Government, for detecting and addressing the financial stability risks arising from the housing market. There are also reservations about any extension of retrospection in the tax system. Retrospection should be considered only in wholly exceptional circumstances
Download or read book Policy Analysis in National Security Affairs written by Richard L. Kugler and published by Government Printing Office. This book was released on 2006 with total page 664 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book addresses how to conduct policy analysis in the field of national security, including foreign policy and defense strategy. It is a philosophical and conceptual book for helphing people think deeply, clearly, and insightfully about complex policy issues. This books reflects the viewpoint that the best policies normally come from efforts to synthesize competing camps by drawing upon the best of each of them and by combining them to forge a sensible whole. While this book is written to be reader-friendly, it aspires to in-depth scholarship.
Download or read book Hospital Financing in Seven Countries written by Miriam M. Wiley and published by Congress. This book was released on 1995 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examines hospital financing in Canada, England France, Germany, the Netherlands, Sweden and the United States.
Download or read book Civil War and Reconstruction in Alabama written by Walter Lynwood Fleming and published by New York : Smith. This book was released on 1905 with total page 876 pages. Available in PDF, EPUB and Kindle. Book excerpt: Describes the society and the institutions that went down during the Civil War and Reconstruction and the internal conditions of Alabama during the war. Emphasizes the social and economic problems in the general situation, as well as the educational, religious, and industrial aspects of the period.
Download or read book Urban Land Markets written by Somik V. Lall and published by Springer Science & Business Media. This book was released on 2009-10-07 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: As urbanization progresses at a remarkable pace, policy makers and analysts come to understand and agree on key features that will make this process more efficient and inclusive, leading to gains in the welfare of citizens. Drawing on insights from economic geography and two centuries of experience in developed countries, the World Bank’s World Development Report 2009: Reshaping Economic Geography emphasizes key aspects that are fundamental to ensuring an efficient rural-urban transformation. Critical among these are land, as the most important resource, and well-functioning land markets. Regardless of the stage of urbanization, flexible and forward-looking institu- ons that help the efficient functioning of land markets are the bedrock of succe- ful urbanization strategies. In particular, institutional arrangements for allocating land rights and for managing and regulating land use have significant implica- ons for how cities deliver agglomeration economies and improve the welfare of their residents. Property rights, well-functioning land markets, and the management and servicing of land required to accommodate urban expansion and provide trunk infrastructure are all topics that arise as regions progress from incipient urbani- tion to medium and high density.
Download or read book Share This written by CIPR (Chartered Institute of Public Relations) and published by John Wiley & Sons. This book was released on 2012-07-10 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: Share This is a practical handbook to the biggest changes taking place in the media and its professions by the Chartered Institute of Public Relations (CIPR) Social Media Panel. The book was conceived and written by more than 20 public relations practitioners representing a cross-section of public, private and voluntary sector expertise using many of the social tools and techniques that it addresses. The book is split into 26 chapters over eight topic areas covering the media and public relations industry, planning, social networks, online media relations, monitoring and measurement, skills, industry change and the future of the industry. It’s a pragmatic guide for anyone that works in public relations and wants to continue working in the industry. Share This was edited by Stephen Waddington with contributions from: Katy Howell, Simon Sanders, Andrew Smith, Helen Nowicka, Gemma Griffiths, Becky McMichael, Robin Wilson, Alex Lacey, Matt Appleby, Dan Tyte, Stephen Waddington, Stuart Bruce, Rob Brown, Russell Goldsmith, Adam Parker, Julio Romo, Philip Sheldrake, Richard Bagnall, Daljit Bhurji, Richard Bailey, Rachel Miller, Mark Pack, and Simon Collister.
Download or read book Technical Information Release written by United States. Internal Revenue Service and published by . This book was released on 1969 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Reforming Pensions Principles and Policy Choices written by Nicholas Barr and published by Oxford University Press. This book was released on 2008-09-17 with total page 763 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mandatory pensions are a worldwide phenomenon. However, with fixed contribution rates, monthly benefits, and retirement ages, pension systems are not consistent with three long-run trends: declining mortality, declining fertility, and earlier retirement. Many systems need reform. This book gives an extensive nontechnical explanation of the economics of pension design. The theoretical arguments have three elements: * Pension systems have multiple objectives--consumption smoothing, insurance, poverty relief, and redistribution. Good policy needs to bear them all in mind. * Good analysis should be framed in a second-best context-- simple economic models are a bad guide to policy design in a world with imperfect information and decision-making, incomplete markets and taxation. * Any choice of pension system has risk-sharing and distributional consequences, which the book recognizes explicitly. Barr and Diamond's analysis includes labor markets, capital markets, risk sharing, and gender and family, with comparison of PAYG and funded systems, recognizing that the suitable level of funding differs by country. Alongside the economic principles of good design, policy must also take account of a country's capacity to implement the system. Thus the theoretical analysis is complemented by discussion of implementation, and of experiences, both good and bad, in many countries, with particular attention to Chile and China.
Download or read book Ronald Ross written by E. R. Nye and published by Palgrave Macmillan. This book was released on 1997 with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Commercial Law of the European Union written by Gabriël Moens and published by Springer Science & Business Media. This book was released on 2010-04-23 with total page 486 pages. Available in PDF, EPUB and Kindle. Book excerpt: ? The Hon. Michael Kirby AC CMG This splendid book performs the heroic task of introducing readers to the large canvas of the commercial law of the European Union (EU). The EU began as an economic community of six nations but has grown into 27 member states, sharing a signi?cant political, social and legal cohesion and serving almost 500 million citizens. It generates approximately 30% of the nominal gross world product. The EU is a remarkable achievement of trans-national co-operation, given the history (including recent history) of national, racial, ethnic and religious hatred and con?ict preceding its creation. Although, as the book recounts, the institutions of the EU grew directly out of those of the European Economic Community, created in 1957 [1.20], the genesis of the EU can be traced to the sufferings of the Second World War and to the disclosure of the barbarous atrocities of the Holocaust. Out of the chaos and ruins of historical enmities and the shattered cities and peoples that survived those terrible events, arose an astonishing pan- European Movement.
Download or read book National Judges as European Union Judges written by Tobias Nowak and published by . This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This work is the outcome of a research project on the application and enforcement of EU law by national judges. The project focused on the experiences of national judges in North Rhine-Westphalia (Germany) and the Netherlands, seeking to understand the processes surrounding the application of EU law. Furthermore, the role of national judges as decentralized EU judges is examined. The research shows that EU law still has limited impact on the type of cases tried. The book makes several recommendations to foster the application of EU law.
Download or read book European Union Law written by Alina Kaczorowska-Ireland and published by Routledge. This book was released on 2012-09-10 with total page 973 pages. Available in PDF, EPUB and Kindle. Book excerpt: Now in its second edition, European Union Law has been fully revised and updated following the entry into force of the Lisbon Treaty in December 2009. The book contains entirely new chapters on the Protection of Human Rights in the EU; the Area of Freedom, Security and Justice and the Common Foreign and Security Policy. Specifically written to give law students detailed up-to-date knowledge of all main areas of EU law, the book provides an in-depth and detailed examination of, and commentary on the areas of institutional and of substantive EU law forming the syllabus of standard academic courses on EU law. Unlike other texts this book successfully combines authoritative text with case summaries and judgments, these being highlighted in colour tinted boxes for easy identification. The author identifies the relevant points and key facts of the leading cases and discusses the judgments in detail, often in the light of subsequent developments. Student-friendly features include: short summaries at the beginning of each chapter outlining the topics and concepts covered an aide-memoire at the end of each chapter to highlight and reflect the main points a recommended reading list at the end of each chapter to facilitate further research a map identifying EU Member States (with accession dates) and candidate states a Companion Website featuring updates twice yearly; annotated links to online sources of interest and essay style self-test questions with suggested answers. This book is an essential resource for those studying EU law on both undergraduate and postgraduate courses and will be of interest to students of political science, social science and business studies.
