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Explores the potential benefits of a government-independent, democratized Social Security system to support dependents suffering from the reduction of other government benefits.
As defined contribution pensions become prevalent, retirees are increasingly responsible for managing their own pension assets and thus their own financial literacy becomes crucial. Based on empirical evidence and new research, the book examines how financial literacy enhances retirement decision-making in ever more complex financial markets.
The UK pension landscape is undergoing a transformation. Automatic enrolment will result in millions of people saving for their retirement for the first time. We will see employers taking on new duties to enrol their workers into a pension and contribute to this scheme. Membership of defined contribution (DC) pension schemes will also increase. But the onset of automatic enrolment and the changing pension landscape also brings challenges. To successfully achieve a cultural shift so that pension saving becomes the norm, we need to make sure that money put into pension saving stays there. The short-service refund rules for DC occupational pension schemes work against this principle. It is therefore planned to abolish these rules retain £70 - 130 million per year in pension saving. This will hopefully happen as soon as 2014 provided it is possible to implement an accompanying solution for small pension pot transfers at the same time. This paper presents three broad approaches to initiate debate about how best to address the problem of small pension pots: relatively minor changes to the current voluntary transfer system; automatic consolidation of small pensions in an aggregator scheme; and pensions automatically moving with people from job to job.
Vols. for 1910-56 include convention proceedings of various insurance organizations.
Fearful of large refugee flows, and the possible spillover of ethnic violence into other Balkan countries, the international community has become increasingly involved in trying to negotiate a peaceful settlement in the Kosovo crisis. Thus far, however, the lack of international community resolve to present a common position, and the intransigence of both the Serbian and Kosovar parties, has enabled the belligerent leaders to manipulate the situation. This thesis will explore Serbian and Kosovar historical national identities and their development, and the modern nationalist movements in the region and their leaders. Finally, the utility of the current leaders and levers that may be used by the international community to pressure or influence them will be evaluated. Presenting policy options and analysis for conflict resolution without the use of peacekeeping military forces, this thesis highlights the most feasible options which allow for U.S. and international community involvement, while enabling the Serbs and Kosovars to solve the crisis in a way that is amenable to both parties and will bring long-term stability to the region.
This multidisciplinary, international Research Handbook on Inequalities and Work examines disparities within contemporary working life and comes at a critical juncture of socio-historical change. As the world reels from the impact of economic insecurity, the pandemic, the Black Lives Matter and #MeToo movements, the trans liberation fight, the climate crisis and the rise of Artificial Intelligence, systemic inequalities and their impacts have been thrust into the limelight alongside the ceaseless struggle for social justice. Against this background, the Handbook provides cutting edge research studies that offers unique insight into the international nature of inequalities at work.
Presents the findings of an analysis of the UK pensions and retirement savings system. Describes the present situation, the trends in place, and the challenges to be met in the future.
From belligerent to neutral countries, the civilian war economy that developed from 1939 to 1945 created the foundations for the postwar welfare state. War and Welfare examines the legacy of the 'warfare state' and reveals how it paved the path for the welfare state in ensuing decades. Jytte Klausen shows how the institutional marks made by World War II were critical to capitalist reform after the war. She argues that the warfare state was a gift to the European Left, and asserts that state-expansion and the changing domestic order during the war, in most countries regardless of their stances, anticipated the welfare state. When the war ended in 1945, the reconstruction process rested on piecemeal decisions to remove or retain war-time controls over the economy, ranging from state cartels to wage fixing. Klausen argues that the welfare state ratified prior changes in state-society relations and represented a continuation of institutional development undertaken during the war years. Meticulously researched and cogently argued, War and Welfare offers a different angle on the conception and construction of the welfare state, and lends insights into what may lie ahead in the future.