The EU Decision Making Process Made Easy
|
|
- Jeffry Gardner
- 5 years ago
- Views:
Transcription
1 The EU Decision Making Process Made Easy
2 Introduction Since its birth a little over a year ago, PIIGSty.com promised to demystify all that academic speak and needless jargon to make current political, economic and legal topics in the EU accessible and easily understandable for all. After all, that s what we re here for. One area which continues to confuse is the rather complicated decision making (aka legislative) process which drives the Union forward. Lets be frank - nothing in the EU these days is straightforward and the legislative process is no exception. As a result we are proud to present this new PIIGSty publication on that very topic. With easy to identify (and adorable) original logos displayed with a simple and easy to read diagrammatic style, we have trimmed all the fat and just left the best bits. We hope you all find this and all the other bits on PIIGSty helpful. If you have any comments, queries, suggested articles or would just like to get something Europe -y off your chest, make sure to the editor of PIIGSty at editor@piigsty.com We d also like to announce that PIIGSty is growing fast and aiming to add a number of expert contributors very soon. Remember to visit for updates and fresh, new articles and pick up a copy of the PIIGSty Guide to Econ 101 for a great price. All the best The folks at PIIGSty.com Available here
3 Who presents a? The (EU Executive/Government) is the main player but a select few others can also propose something new Court of Justice (ECJ) In the area of Freedom, Security and Justice Investment Bank (EIB) Chief proposer and ultimate decider for EU law making Member States (at least 25% or 7 EU states) Central Bank (ECB)
4 5 SOURCES Influences on s The can t make a law just because its seems like a good idea. They first must listen to key bodies/lobbyists and assess potential impact of new laws before drafts are amended. The then has a firm. Requests/ Lobbying comes from 5 main sources Impact Assessments to assess economic, social and environmental impact Consultations Amendments are allowed from citizens, industry and lobbyists National s Citizens Public Consultations Presidents PM s Europe Industry/ Business/ NGOs
5 The legislative process EU decision making comes in 4 forms (the 4 C s) 1. Co-decision Codecision MOST COMMON The EU and the the of (COM) (COM) work work together together amend, to amend, accept or accept reject or s. reject s. This procedure was introduced in 1992 and improved in It was renamed in Consultation The EU is consulted by the but the and COM are the two who ultimately decide. 3. Cooperation COM can accept a but needs unanimous approval of all ministers if the EU opposes it. This form is used for economic and monetary policy i.e. Money Issues only. 4. Consent This form is used to admit new EU members and deal with the ECB. Still, the EP must approve first (but cant make any amendments). Codecision is the most common route for making new laws so this is where we ll focus. It was renamed ordinary legislative procedure in 2009 under the Lisbon Treaty. There are 3 potential outcomes of codecision Decision Disagreement Deadlock
6 Step 2 Step 1 DECISION National s All 27 EU governments are consulted. REJECTION Final decision rests with COM after EP gives advice before formally makes a submits to EP and COM APPROVAL Step 4 Step 3 EP considers COM Approves Adopted EP gives opinion to COM COM decides on EP position (COM) COM Rejects COM considers What happens if the COM rejects EP position?
7 Step 5 APPROVAL REJECTION Step 4 Step 3 DISAGREEMENT EP considers EP gives opinion to COM COM considers EP send its amended version to COM (COM) Step 4 is repeated COM decides on EP position This is called a SECOND READING Ball back in the EP court It can COM Rejects COM Approves Amend COM position Approve COM position Do Nothing Adopted But what happens when the COM rejects again?
8 REJECTION APPROVAL Step 8 Step 7 REJECTION DEADLOCK: DEATH or DELIBERATION A The EP could reject the COM decision by an absolute majority of MEPs B If the COM rejects the EP amendments (again ) a Conciliation Committee is formed. EP Rejects Rejected COM Rejects (for 2 nd time) + Conciliation Committee 27 Council Members + 27 MEPs NEW JOINT Includes COM Position + EP Amendments CC Rejects CC Approves JOINT Rejected JOINT Adopted
9 DEADLOCK DISAGREEMENT DECISION In summary Approves Rejects Approves Approves or Ignores Amended Rejects + Conciliation = Joint Committee Proposal 27 MEPS 27 Members
Savings. Savings account conditions
Savings Savings account conditions For use from 6 April 2018 Welcome to Bank of Scotland This booklet explains how your Bank of Scotland savings account works, and includes its main conditions. 1 This
More informationSavings conditions and information. For personal savings accounts that are no longer available to new customers
Savings conditions and information For personal savings accounts that are no longer available to new customers For use from 13th January 2018 Welcome to Halifax This booklet explains how your Halifax savings
More informationSavings conditions and information. For personal savings accounts that are no longer available to new customers
Savings conditions and information For personal savings accounts that are no longer available to new customers For use from 6th April 2018 Welcome to Halifax This booklet explains how your Halifax savings
More informationSavings account conditions (inc cash ISAs)
Savings account conditions (inc cash ISAs) For use from 6th April 2018 Welcome to Halifax This booklet explains how your Halifax savings account works, and includes its main conditions. This booklet contains:
More informationSavings account conditions (inc cash ISAs)
Savings account conditions (inc cash ISAs) For use from 2nd November 2017 Changes to your terms and conditions We are making some changes to your savings account terms and conditions. The changes will
More informationSavings. Savings account conditions and information. April (For personal savings accounts that are no longer available to new customers.
Savings Savings account conditions and information. April 2018 (For personal savings accounts that are no longer available to new customers.) Welcome to Bank of Scotland. This booklet explains how your
More informationDEMOTT BANKRUPTCY GUIDE. 10 Steps. to rebuilding your financial life BY RUSSELL A. DEMOTT
DEMOTT BANKRUPTCY GUIDE 10 Steps to rebuilding your financial life BY RUSSELL A. DEMOTT Table of Contents The Initial Consultation 3 The Client Questionnaire 4 Documents 5 The Intake Interview 8 Case Preparation
More informationA Guide to Borrowing. Lending Loop. A better way to borrow
A Guide to Borrowing Lending Loop A better way to borrow How to Grow Your Business with Lending Loop A better way for businesses to borrow. The purpose of this guide is provide you with all the information
More informationMistakes and overpayments
Contacting us There are lots of ways you can contact us. Pensions Helpline 0300 123 1047 (Monday- Friday 9:00am- 5:00pm) Web chat live www.pensionsadvisoryservice.org.uk Online enquiry form www.pensionsadvisoryservice.org.uk/online-enquiry
More informationUnlocking 900% More Money
The Infinite Nest Egg: Unlocking 900% More Money for Retirement The Infinite Nest Egg: Unlocking 900% More Money for Retirement By Ted Bauman, Editor of Smart Money Alert MAIN Street investors have an
More informationCouncil of the EU. Professional Federations. European Parliament. EU Regional Offices
Professional Federations European Parliament Council of the EU EU Regional Offices EU Regional Networks Permanent Representations of EU Member States THE EUROPEAN COMMISSION President: José Manuel Barroso
More informationCash ISAs. Important information and Key Facts
Cash ISAs Important information and Key Facts We d like to help your savings grow faster. Some of us are seasoned savers. Others just starting out. But one thing s for sure, it always makes good sense
More informationPension Lifetime Allowance Guide
Pension Lifetime Allowance Guide Your solution to high value pensions Inside this edition: Lifetime allowance changes How to protect your pension Unique solution to lifetime allowance issues The impact
More informationHow To Send Money Abroad Quickly, Safely & For Low Cost
How To Send Money Abroad Quickly, Safely & For Low Cost A quick guide to saving money when using CurrencyFair to send money abroad. CurrencyFair www.currencyfair.com CurrencyFair is an outstanding example
More informationHow understanding the business life cycle helps in credit assessment. from businessbankingcoach.com in association with
How understanding the business life cycle helps in credit assessment from businessbankingcoach.com in association with Understanding the business life cycle and the position of a business in its cycle
More informationALL OUR MORTGAGES 5 YEAR FIXED RATE AT 65% LTV AVAILABLE AT 2.27% ISSUE 92 VALID FROM
ALL OUR MORTGAGES ISSUE 92 VALID FROM 29.04.16 5 YEAR FIXED RATE AT 65% AVAILABLE AT 2.27% For professional intermediary use only. This description of Virgin Money s mortgages is directed at professional
More informationWORKPLACE SAVINGS GUIDE
WORKPLACE SAVINGS GUIDE START HERE. We understand that pensions can be confusing and difficult to understand. That s why we ve created this guide, to explain to you how they work and why they re so important
More informationSt.George Estate Plan
St.George Estate Plan Making sure you have a plan in place can make a difficult time a little bit easier. Product Disclosure Statement and Policy Wording (PDS) Effective Date: 17 November 2014 Issued by:
More informationPersonal Independence Payment
Personal Independence Payment 2. Making a claim Law Centre (NI) At a glance Personal Independence Payment is a new benefit which was introduced in Northern Ireland on 20 June 2016. From that date it has
More informationYour Offset savings with us
Your Offset savings with us Your statement explained 12345678901 3 Account Balance ( ) 123456789 - Offset Savings 15 88,182.65 Account Holders: A N EXAMPLE J J EXAMPLE Total Balance of the Accounts 88,182.65
More informationOXFORD CENTRE FOR BUSINESS TAXATION
OXFORD CENTRE FOR BUSINESS TAXATION Oxford, 23 March 2006 "The European Commission's business taxation agenda" SPEAKING NOTES Ladies and gentlemen, It is a great pleasure to be here tonight. I am grateful
More informationHOW SHOULD GOVERNMENTS STRUCTURE THE TAX SYSTEM?
LESSON 11 HOW SHOULD GOVERNMENTS STRUCTURE THE TAX SYSTEM? 143 LESSON 11 HOW SHOULD GOVERNMENTS STRUCTURE THE TAX SYSTEM? INTRODUCTION Collecting revenue through taxation creates complicated and controversial
More informationLIEN FAQ ANSWERS TO YOUR QUESTIONS ABOUT THE SERVICING OF LIENS FROM PCM CORP. Brad Lohner President & CEO PCM CORP
ANSWERS TO YOUR QUESTIONS ABOUT THE SERVICING OF LIENS FROM PCM CORP. Brad Lohner President & CEO PCM CORP LIEN FAQ Sales Info & Inquiries Toll Free: 866-266-0117 Email: sales@pcmcorp.com Why use Lien-Pro?
More informationintroduction to ISAs Your guide to investing in ISAs
introduction to ISAs Your guide to investing in ISAs 2 what is an ISA? ISA is short for Individual Savings Account. With most forms of saving and investment, any income received or gains you make are subject
More informationPreparing to buy your first home?
Preparing to buy your first home? Buying your first home is an exciting journey! However, when you re at the beginning of your home buyers journey, you may be confused about to where to start and worried
More informationSpeech at the International tax symposium "Dynamics of International Tax Competition: Opportunity or Threat?"
Speech at the International tax symposium "Dynamics of International Tax Competition: Opportunity or Threat?" Tax policy coordination for more growth and employment the EU agenda Introduction Ladies and
More informationALL OUR MORTGAGES BTL EXCLUSIVE 2 YEAR FIXED RATE AT 2.19% UP TO 60% LTV ISSUE 73 VALID FROM
ALL OUR MORTGAGES ISSUE 73 VALID FROM 25.09.15 BTL EXCLUSIVE 2 YEAR FIXED RATE AT 2.19% UP TO 60% For professional intermediary use only. This description of Virgin Money s mortgages is directed at professional
More informationPaying for your business banking needn t be complicated. That s why our Fixed Fee Account gives you greater control over the charges you pay.
Fixed Fee Account Paying for your business banking needn t be complicated. That s why our Fixed Fee Account gives you greater control over the charges you pay. Choose the account plan that best suits your
More informationReal Estate Private Equity Case Study 3 Opportunistic Pre-Sold Apartment Development: Waterfall Returns Schedule, Part 1: Tier 1 IRRs and Cash Flows
Real Estate Private Equity Case Study 3 Opportunistic Pre-Sold Apartment Development: Waterfall Returns Schedule, Part 1: Tier 1 IRRs and Cash Flows Welcome to the next lesson in this Real Estate Private
More informationHow To Send Money Abroad Quickly, Safely & For Low Cost
How To Send Money Abroad Quickly, Safely & For Low Cost A quick guide to saving money when using CurrencyFair to send money abroad. Brought to you by: Moving 2 Canada CurrencyFair CurrencyFair is an outstanding
More informationStandard Life Active Retirement For accessing your pension savings
Standard Life Active Retirement For accessing your pension savings Standard Life Active Retirement our ready-made investment solution that allows you to access your pension savings while still giving your
More informationFidelity Wealth Service
Fidelity Wealth Service Dear Investor, New opportunities. The perfect property. The ideal retirement. Or maybe just the freedom to make it up as you go along. At Fidelity Wealth, we know every investor
More informationDocument guidelines: Tier 4 visa application
Document guidelines: Tier 4 visa application Within this leaflet you will find information and examples of documents that will assist you in making sure that your documents meet the requirements for making
More informationfwk1420/mff COM Part I en.pdf. 3
PRZEGLĄD ZACHODNI I, 2013 Sidonia Jędrzejewska Brussels THE POLISH PRESIDENCY AND THE BUDGET OF THE EUROPEAN UNION The Polish Presidency and the Budget of the EU The Polish Presidency was dominated by
More informationSpring 2018 Club Head Guide
Fiscal Committee: Chair: Jadyn Gray-Hough 20 Treasurer: Odett Salcedo 18 Members: Simran Gupta 19 Ava Mazzye 20 Isaac Rosenthal 20 Garrett Brown 18 Icy Li 21 February 3 Club Head Day Spring 2018 Club Head
More informationGetting Ready For Tax Season
Getting Ready For Tax Season Topics of Discussion Filing requirements Process overview Timing Records verification Cost basis reporting changes Scope of bivio program Tax loss harvesting Things to do before
More informationA guide to the pension changes
A guide to the pension changes 1 in 5 consumers said they are more confused about their retirement options after the 2014 budget than before. (Unbiased April 2014) 2 / It s a retirement revolution! Let
More informationWork Opportunity Tax Credit (WOTC) Podcast Narrative. Vaune Shelbourn Host. Bret Anderson Subject Matter Expert/Guest
Work Opportunity Tax Credit (WOTC) Podcast Narrative Vaune Shelbourn Host Bret Anderson Subject Matter Expert/Guest VAUNE SHELBOURN - Hello, I am Vaune Shelbourn, the Director of the National Veterans
More informationINVESTMENTS. The M&G guide to. bonds. Investing Bonds Property Equities Risk Multi-asset investing Income
INVESTMENTS The M&G guide to bonds Investing Bonds Property Equities Risk Multi-asset investing Income Contents Explaining the world of bonds 3 Understanding how bond prices can rise or fall 5 The different
More informationMaking a withdrawal from your pension
If you are thinking about taking money from your pension, it is important to understand how the withdrawal process works. There are four ways you can take money out of your pension. Picking the right one
More informationThe Report of the Secretary General
The Report of the Secretary General Activities of the OCEAN Secretariat from October 2013 to May 2014 European Elections 22 25 May 2014 OCEAN Board Meeting 9 May 2014 Contents 1. Changes to the OCEAN Secretariat
More informationPATSTRAT. Error! Unknown document property name. EN
PATSTRAT Error! Unknown document property name. EUROPEAN COMMISSION Internal Market and Services DG Knowledge-based Economy Industrial property Brussels, 09/01/06 Questionnaire On the patent system in
More informationIntroduction. What exactly is the statement of cash flows? Composing the statement
Introduction The course about the statement of cash flows (also statement hereinafter to keep the text simple) is aiming to help you in preparing one of the apparently most complicated statements. Most
More informationNavigator Savings Plan. This product is provided by Irish Life Assurance plc.
Navigator Savings Plan This product is provided by Irish Life Assurance plc. Navigator Savings Plan Aim Risk Capital protected Funds available Unique range of savings solutions. Low to high depending on
More informationOPB News. New e-services for Members. Buyback Calculator and Pension Estimator now available. Have you registered for e-services?
OPB News Your Pension. Our Promise. January 2010 New e-services for Members Buyback Calculator and Pension Estimator now available They re here! OPB is pleased to announce new e-services for Members: the
More informationPersonal Banking WHITE PAPER SERIES. Dealing with Student Loan Debt
Personal Banking WHITE PAPER SERIES Dealing with Student Loan Debt You earned a degree. Now it s time to earn financial freedom. A college education may be the best investment you can make. In terms of
More informationThe Advanced Budget Project Part D The Budget Report
The Advanced Budget Project Part D The Budget Report A budget is probably the most important spreadsheet you can create. A good budget will keep you focused on your ultimate financial goal and help you
More informationWill Taxes Make Former Bush Adviser Greg Mankiw Work Less? Real People Don t Work Less When Their Taxes Go Up. What Does Mankiw Really Want?
CTJ Citizens for Tax Justice October 22, 2010 Contact: Bob McIntyre (202) 299-1066 x 22 Rebecca Wilkins (202) 299-1066 x 32 Will Taxes Make Former Bush Adviser Greg Mankiw Work Less? Real People Don t
More informationNAVIGATING YOUR PLAN ONLINE. A guide to our online service. Pensions
NAVIGATING YOUR PLAN ONLINE A guide to our online service Pensions INTRODUCTION We ve designed our online service to give you easy and secure access to your pension plan with Royal London. You can keep
More informationStart counting on yourself
Start counting on yourself Start with life insurance on your terms ING ROP Endowment Term and ING ROP Endowment Term NY Term Life Insurance issued by ReliaStar Life Insurance Company and ReliaStar Life
More informationWEALTH PLANNING INVESTMENTS LENDING
WEALTH PLANNING INVESTMENTS LENDING WELCOME TO BROWN SHIPLEY THE WEALTH TAILORS We are wealth managers, offering clients informed financial advice and tailored services on all aspects of wealth planning,
More informationStaffing the EU Institutions
Staffing the EU Institutions Page 1 Staffing the EU Institutions Introduction This paper looks at the nature and structure of the staffing of EU institutions. This is a topical subject, as debates are
More informationThis pack contains information only it is not a recommendation that transferring your old plan to your new plan is suitable for you.
PENSION TRANSFER TO LEGAL & GENERAL This document and those included on your scheme s microsite have been designed to help you decide if you would like to transfer another pension plan (which we will call
More informationStakeholder Pension. The simple way to start a pension plan. Retirement Investments Insurance Health
Stakeholder Pension The simple way to start a pension plan Retirement Investments Insurance Health Introduction Any decision you make about investing for your future retirement needs careful consideration
More informationUSaver. USaver Reach. USaver SMSF. UHomeLoan. Features. 1. Save money. 2. Save time. 3. Save worry
U BANK UBank information 13.10.2017 U BANK ubank.com.au 13 30 80 Hello. We designed UBank with one thing in mind; to help you make more of your money, the easy way. Lee Hatton, CEO, UBank UBank is all
More information2006 Medicaid Rules Changes. What You MUST Know About the 2006 Federal Deficit Reduction Act
2006 Medicaid Rules Changes What You MUST Know About the 2006 Federal Deficit Reduction Act Published by: Phylius Press 5021 W Oak Highland Dr Nashville, TN 37013 (888) 224-5988 2007 by K. Gabriel Heiser,
More informationING Return of Premium Term Term life insurance issued by ReliaStar Life Insurance Company
Start counting on yourself. Start with life insurance on your terms. ING Return of Premium Term Term life insurance issued by ReliaStar Life Insurance Company Take a moment to listen to Ida, an old friend
More informationALL OUR MORTGAGES 5 YEAR FIXED RATE AT 65% LTV REDUCED TO 2.24% ISSUE 85 VALID FROM
ALL OUR MORTGAGES ISSUE 85 VALID FROM 05.02.16 5 YEAR FIXED RATE AT 65% REDUCED TO 2.24% For professional intermediary use only. This description of Virgin Money s mortgages is directed at professional
More informationWhat is the Lasting Powers of Attorney service?
What is the Lasting Powers of Attorney service? Wrigleys Lasting Powers of Attorney Service is dedicated to helping people put powers of attorney in place that suit their personal circumstances. Wrigleys
More informationMember Guide Arriva Workplace Pension Plan
Arriva Workplace Pension Plan I'm dreaming of taking up deep sea fishing This member guide is designed to help you understand the Arriva Workplace Pension Plan so you can make decisions that are right
More informationForex Illusions - 6 Illusions You Need to See Through to Win
Forex Illusions - 6 Illusions You Need to See Through to Win See the Reality & Forex Trading Success can Be Yours! The myth of Forex trading is one which the public believes and they lose and its a whopping
More informationThe European Union THE EUROPEAN UNION. a historical-institutional overview
THE EUROPEAN UNION a historical-institutional overview Celebrating the European Union: A Half Century of Change and Progress Since the creation of the EU half a century ago, Europe has enjoyed the longest
More informationQUESTIONS AND ANSWERS
Webinar: What Your Life Insurance Plan Should Cover Wednesday, June 20, 2018 2:30PM (EST) QUESTIONS AND ANSWERS Bob Mullett USI Certified Financial Planner 610.537.1398 Bob.Mullett@usi.com TheAIP.com Q:
More informationMAKING A WITHDRAWAL FROM YOUR PENSION RETIREMENT PLANNING ALL YOU NEED TO KNOW ABOUT TAKING CASH
MAKING A WITHDRAWAL FROM YOUR PENSION ALL YOU NEED TO KNOW ABOUT TAKING CASH FROM YOUR PENSION RETIREMENT PLANNING The ability to withdraw cash particularly tax-free cash from your pension has become an
More informationPayment Processing. A simple explanation of the entire credit card payment transaction process. We promise.
Payment Processing A simple explanation of the entire credit card payment transaction process. We promise. We admit it credit card transactions can be confusing. Sure, the initial transaction part when
More informationOn track. with The Wrigley Pension Plan
Issue 2 September 2013 On track with The Wrigley Pension Plan Pensions: a golden egg? There s a definite bird theme to this edition of On Track. If you want to add to your nest egg for retirement, we ll
More informationEx-ante Impact Assessment Unit
Ex-ante Impact Assessment Unit Directorate for Impact Assessment and European Added Value 5 December 2013 The Directorate for Impact Assessment and European Added Value Lisbon Treaty (2009): European Parliament
More informationHow Do You Calculate Cash Flow in Real Life for a Real Company?
How Do You Calculate Cash Flow in Real Life for a Real Company? Hello and welcome to our second lesson in our free tutorial series on how to calculate free cash flow and create a DCF analysis for Jazz
More informationA guide to Stocks and shares ISAs
A guide to Stocks and shares ISAs Contents Introduction 3 How long have ISAs been around? 3 What types of ISA are there? 4 Who can invest in a Stocks and shares ISA? 5 The tax advantages of a Stocks and
More informationYour Additional Voluntary Contribution (AVC) fund guide
1 Your Additional Voluntary Contribution (AVC) fund guide For members of Pace Complete April 01 1 1 1 Welcome to your AVC fund guide for members of Pace Complete This fund guide is relevant to you if you
More informationMaking the most of your savings
Isle of Man Retirement Savings Plan Making the most of your savings Your guide to Investment Options in thetesco Isle of Man Retirement Savings Plan April 2016 Your guide to Investment Options in the Tesco
More informationDECISIONS Lindsay Pope, Trustee Support
MANAGING DECISIONS Lindsay Pope, Trustee Support Henry Stokes: I m Henry Stokes, Managing Solicitor Northern Region at Public Trust. I m pleased to introduce Lindsay Pope, the creator of 10 Minute Trustee
More informationPhone:
www.fcibglobal.com E-mail: fcib_global@fcibglobal.com Phone: +410-423-1840 An In-Depth View of Letters of Credit Presented by: Lou Tierno, VP International Group Fulton Financial Corporation Agenda Revocable
More informationFrance Completes Implementation of Cross-Border Mergers Directive BY ERIC CAFRITZ, FRÉDÉRIQUE JAÏS-EMERY AND OLIVIER GENICOT
March 2009 Volume 13 Issue 3 France Completes Implementation of Cross-Border Mergers Directive BY ERIC CAFRITZ, FRÉDÉRIQUE JAÏS-EMERY AND OLIVIER GENICOT Eric Cafritz is a corporate partner resident at
More informationA brief guide to our Flexible Trust
A brief guide to our Flexible Trust A Trust is a legal document and Trust Laws are complex, often with a lot of confusing legal jargon. At British Seniors we pride ourselves on doing the right thing by
More informationOur investment proposition for auto-enrolment pension schemes
For financial adviser use only. Not approved for use with customers. Our investment proposition for auto-enrolment pension schemes A guide for financial advisers Ready-made and bespoke approaches available
More informationCIBC Smart Investment Solutions Modern portfolios made simple
CIBC Smart Investment Solutions Modern portfolios made simple The market is always changing how do you stay on track? With CIBC Smart Investment Solutions all-in-one portfolios, finding a modern approach
More informationState Sales Tax. There are few forms of taxation that are more misunderstood than sales tax! We hope this article will help clear matters up.
State Sales Tax There are few forms of taxation that are more misunderstood than sales tax! We hope this article will help clear matters up. The first thing that should be considered about sales tax, is
More informationWhat do members want. Kim Bell Founding Director, Bdifferent
What do members want Kim Bell Founding Director, Bdifferent Put yourselves in their shoes This is Laura Laura works in the handbag department of an up market retail department store She knows everything
More informationUnilever UK Pension Fund At Retirement Booklet
Unilever UK Pension Fund At Retirement Booklet Please complete your details in this table Your name Your date of birth Your retirement date Your State Pension Age * * If you don t know your state pension
More informationAdditional contribution application form
65A6 CORE INVESTMENTS (PERSONAL PENSION) Additional application form You ll need to complete this application form to apply an additional to your Pension Portfolio Plan with Royal London. 1 Important information
More informationBeyond Investment Illusions.
YOUR LOGO HERE Beyond Investment Illusions. Investing made clear, straightforward and right for your circumstances. Contents Our Investment ethos Helping you focus on what s important Making the risks
More informationBasic Current Account Information and Specific Conditions
Basic Current Account Information and Specific Conditions Current Accounts Information Contents The Basic Current Account 03 Opening your Basic Current Account 03 What to expect once we have opened your
More informationTHE ARMED FORCES STAKEHOLDER PENSION SCHEME A GUIDE TO HELP YOU PREPARE FOR THE RETIREMENT YOU WANT
THE ARMED FORCES STAKEHOLDER PENSION SCHEME A GUIDE TO HELP YOU PREPARE FOR THE RETIREMENT YOU WANT The Official Armed Forces pension scheme is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS
More informationPosted by Mary Jo White, U.S. Securities and Exchange Commission, on Thursday, June 25, 2015
Posted by Mary Jo White, U.S. Securities and Exchange Commission, on Thursday, June 25, 2015 Editor s note: Mary Jo White is Chair of the U.S. Securities and Exchange Commission. The following post is
More informationWill included Exclusions apply. Your complete guide to Golden Charter Funeral Plans
Will included Exclusions apply Your complete guide to Golden Charter Funeral s 192 The safe, simple way to secure peace of mind, for you and your family Thank you for your interest in Golden Charter. Our
More informationspin-free guide to bonds Investing Risk Equities Bonds Property Income
spin-free guide to bonds Investing Risk Equities Bonds Property Income Contents Explaining the world of bonds 3 Understanding how bond prices can rise or fall 5 The different types of bonds 8 Bonds compared
More informationOPB News. Your 2012 Annual Pension Statement. You told us... Get a breakdown of calculations on your Annual Pension Statement online in e-services
Your Pension. Our Promise. OPB News For members of the PSPP April 2013 Get a breakdown of calculations on your Annual Pension Statement online in e-services Your 2012 Annual Pension Statement You may have
More informationUnderstanding investments. A quick and simple guide to investing.
Understanding investments A quick and simple guide to investing. Irish Life Multi-Asset Portfolio funds are available on investment and pension plans provided by Irish Life Assurance plc. INTRODUCTION
More informationLife Insurance Buyer's Guide
Life Insurance Buyer's Guide This guide can show you how to save money when you shop for life insurance. It helps you to: Decide how much life insurance you should buy. Decide what kind of life insurance
More informationWhat are the CPP Disability Benefits?
Contents Introduction... 3 What are the CPP Disability Benefits?... 3 Which Disabilities Entitle a Person for Benefits?... 4 What is the Eligibility Criteria?... 5 Contribution Requirements... 5 Disability
More informationPosner On The Pollution Exclusion: Could It Have Been The Most Important Decision Ever?
March 16, 2012 Posner On The Pollution Exclusion: Could It Have Been The Most Important Decision Ever? Binding Authority Contest: Last year I did a few contests on Binding Authority and they were a lot
More informationSocial Security Scotland Our Charter. Our Charter. What you can expect from the Scottish Government and Social Security Scotland.
Our Charter What you can expect from the Scottish Government and Social Security Scotland. 1 Contents About 3 Introduction 3 What is? 4 Who created? 4 Who is the our in? 4 Who makes sure that is being
More informationPENSIONS INVESTMENTS LIFE INSURANCE COMPLETE SOLUTIONS INVESTMENT ONLY PLAN
PENSIONS INVESTMENTS LIFE INSURANCE COMPLETE SOLUTIONS INVESTMENT ONLY PLAN PRODUCT SNAPSHOT This booklet will give you details of the benefits available on the Complete Solutions Investment Only plan.
More informationOPTIONS ON LEAVING THE RETIREMENT FUND UMBRELLA FUNDS
OPTIONS ON LEAVING THE ETIEMENT FUND UMBELLA FUNDS 2 ALEXANDE FOBES OPTIONS WHEN LEAVING IF YOU resign, or are dismissed or retrenched, there are a few options to consider. etirement annuity Locked in
More informationYOUR COMPANY PENSION GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want
YOUR COMPANY PENSION GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want WELCOME TO YOUR SCOTTISH WIDOWS WORKPLACE PENSION Everyone needs a plan for their retirement. This guide
More informationEAST Cards Terms and Conditions. Provisions specific to consumers only are in red and those specific to businesses only are in blue.
EAST Cards Terms and Conditions INTRODUCTION What these terms cover. These are the terms and conditions of sale which apply to any order for EAST card packs (the products ) that you place with us via email
More informationFEATURING: This Summer s 4 Must-Own Stocks. One for each trading style: Momentum Aggressive Growth Value Growth & Income
FEATURING: This Summer s 4 Must-Own Stocks One for each trading style: Momentum Aggressive Growth Value Growth & Income Table of Contents Introduction... pg 2 Step #1: Identify... pg 3 Step #2: Analyze...
More informationManage Your Account. User Guide. Retirement planning made easier by Legal & General
Manage Your Account User Guide Retirement planning made easier by Legal & General Contents What is Manage Your Account (MYA)? 2 How does it work? 3 Why use MYA? 3 Manage Your Account step by step 4 Starting
More informationCo-operative Bank Cash ISA
Key features of our Co-operative Bank Cash ISA The Financial Conduct Authority is the independent financial services regulator. It requires us, The Co-operative Bank, to give you this important information
More information