OECD/IOPS 31 October 2008 Mombasa Kenya. The Irish Experience

Size: px
Start display at page:

Download "OECD/IOPS 31 October 2008 Mombasa Kenya. The Irish Experience"

Transcription

1 OECD/IOPS 31 October 2008 Mombasa Kenya The Irish Experience National Pensions Awareness Campaign Gerard Clarke Assistant Head of Regulation The Pensions Board Ireland

2 Agenda for Presentation Why? Objectives Strategy Research/Monitoring Transition Support Recommendations

3 Why? Only 50% of the Irish workforce had supplementary cover in addition to social welfare pension cover. Social Welfare (First Pillar) provides universal basic Flat Rate pension (currently 230 per week) that aims to provide replacement income for 30% of the workforce (lower paid). Voluntary regime for supplementary pension provision (Second Pillar) Many people had little comprehension of the impact that retirement would have on personal standards of living. Tendency to believe that the State alone would look after them.

4 National Pensions Awareness Campaign (NPAC)

5 Campaign Background The National Pensions Awareness Campaign (NPAC) arose from a NPPI (National Pensions Policy Initiative 1998) recommendation accepted by Government. NPPI detailed the need for a fully developed national pension system which enables all residents in the State to acquire an income that allows them to maintain their established standard of living on reaching retirement age. It was recognised that the recommendations contained in NPPI would need to be supported by an effective education and awareness programme if they were to have the maximum desired effect.

6 The formal commencement of NPAC 2003 was heralded by the presentation of the Board s Information Booklet on PRSAs and Employers Obligations to the Minister for Social and Family Affairs on 2 July Every employer in Ireland (over 173,000) on the Revenue s PRSI database was posted a copy of the 20 page booklet to help them comply with their obligations under the Pensions Act. Pictured at the launch, from left: Mary Hutch, Head of Information, Pensions Board, Minister Mary Coughlan TD and Anne Maher CEO(2006), The Pensions Board. Launch of NPAC 2003

7 Campaign Provision 500,000 was made available annually to carry out a National Pensions Awareness Campaign (NPAC), on behalf of Government in 2003, 2004, This allocation was increased to 1,000,000 for 2006, 2007 and The Board established an NPAC Project Team to devise an awareness strategy and implementation plan for this important project.

8 Consumer Research and Awareness Audit 2003 In 2003 Consumer Research samples taken by the Board highlighted that; 60% of the Irish adult population were aware of pensions in general In excess of 87% of participants said that the State pension (currently per week) would NOT meet their needs in retirement. The top three barriers to starting a pension for most people are: Can t afford one Too young to start a pension Too complicated - don t understand pensions

9 Campaign Objectives 1. The primary objective of the campaigns was to heighten pensions awareness with a view to increasing pension coverage in Ireland. 2. The secondary objective of the campaigns during that period was to ensure those with pension provision addressed the adequacy of that provision. 3. A related objective was to promote pensions development and build an educational foundation for retirement planning for the future.

10 Key target sectors: Population aged years old Hospitality / Retail / Farming / Rural Community Women Young People / Graduates International Workers

11 Awareness Strategy Intensified advertising and promotion focus on the key targets (25-39 year olds) through the media outlets that they engage with most i.e. TV, Cinema, Radio, Internet, Lifestyle Magazines and Newspapers. Encourage people to be aware and informed about their existing pension and particularly to examine the adequacy of same. Directing consumers to be personally responsible and take action for their future retirement planning as well as promoting employers responsibility. Driving consumers to the Pensions Board Website and particularly the pensions calculators. Engage consumers with focused awareness building activities through promotions, dissemination of information, attending at conferences, seminars, workshops etc and operating the information Lo-call helpline and website.

12 National Pensions Awareness Campaign Highlights All the actions within the Campaign are designed to be sharp calls to action. Using our Tag Line Think about tomorrow. Today. TVAdverts and Radio Adverts Media print supplements Posters and Internet Adverts Shopping Till Receipts and In-Store Plasma Screens Radio and Press interviews and Community Forums National Pensions Awareness Week October 2003 all focused on directing people into action to either talk to their employer, contact their bank, insurance company, building society or financial advisor to discuss pension options.

13 National Pensions Awareness Campaign Highlights Held National Pensions Awareness Week in September Launched the on-line calculator on our website Handed out 100,000 sample calculators Distributed 50,000 copies of the Women & Pensions booklet

14 National Pensions Awareness Campaign Highlights Action & Responsibility Pensions Action Week in May. Focused on young people and women Targeted the print, radio and TV shows that young engage with most. Literature handed to people on the street when they came off public transport and in their cars at traffic junctions. Sent out a call to action message in newspapers, especially regional ones where coverage rates are low. Used an array of ambient media, including posters on buses, 48 sheet admobiles and on-line banner links to our website.

15 Consumer Research and Awareness Audit Consumer Research taken on behalf of the Board highlighted that; General awareness levels of pensions were in excess of 85% for the Irish adult population. Pension coverage and uptake rates did not reflect these heightened levels of awareness. Transition from Awareness to Action In 2006 NPAC was renamed to reflect the change of emphasis to National Pensions Action Campaign

16 Background to NPAC 2006 Research showed that awareness about pensions was very high but that action following awareness was low, while adequacy levels among those with pensions were not sufficient. The figures identified specific sectors and age groups with particularly low levels of penetration, especially amongst year olds. Low levels of pensions awareness and understanding among under 25 year olds. Allocation of 1,000,000 was made available for NPAC 2006.

17 Objectives for NPAC 2006 The primary objective of the NPAC 2006 was to push action by those with no pension and to ensure those with pension provision addressed the adequacy of that provision. A related objective was to encourage holders of SSIAs (Special Savings Incentive Accounts) to think about pension planning when their SSIA funds were released.

18 Strategy for NPAC 2006 Focus of NPAC 2006 was Action and Adequacy. Intensified advertising and promotion focus on the key targets (25 39 year olds). Tapped into SSIA windfalls and encouraged SSIA holders to invest some of their capital into a pension and to keep the savings habit. Directed consumers to be personally responsible for their future retirement planning as well as promoting employers responsibility. Guided consumers to the Pensions Board website particularly the pensions calculator. Educated young people with the Pensions Checklist as the first step to starting a pension. Starting a new job ask about your pension. More intensive in 2006 on the street activity at key events relevant to NPAC target groups Women s Mini Marathon, Ladies Football Final, National Ploughing Championships promote to young people around music events like Electric Picnic and Oxygen.

19 National Pensions Awareness Campaign Highlights Pensions Action Week in May. 40 Radio interviews during Action Week Focused on young people and women Targeted the print, radio and TV shows that young people engage with most. Core advertising centred on TV, Radio and Cinema Used an array of ambient media, including posters on buses, 48 sheet admobiles and online banner links to the calculators on our website. Hosted major Pensions Forum Published Pensions Checklist in six foreign languages Joint ventures with State and Private sector recruiters to promote First Job First Pension Action & Adequacy

20 NPAC messages Emphasis on personal responsibility Workplace ideal location for engaging with pensions Call to direct action Talk to your employer, trade union, bank, building society, insurance company or financial advisor about starting a pension

21 National Pensions Awareness Campaign Highlights Monday 12th March Pensions in the Workplace Day Tesco hosted over 100 seminars for their 12,500 staff in over 94 locations throughout the country to mark Pensions in the Workplace. Wednesday 14th March National Pensions Sign Up Day The Pensions Board handed out 30,000 pension flyers in key locations in all cities and major towns around the country promoting the pensions Time for Action message. Thursday 15th March Women and Pensions Day The Pensions Board in co-operation with the National Women s Council held a breakfast briefing to promote the importance of pension provision for women. Friday 16th March International Pensions Day The Pensions Board launched its updated Pensions Checklist and Pensions Calculator which are now interactive and available in eight languages on the Board s website. Saturday 17th March Young Pensioners Day The Pensions Board hosted a major radio competition for young people to win tickets to Music Festivals. The emphasis was to drive traffic to the pension calculator on the website.

22 National Pensions Action Week ( NPAW ) 2007 Actions & Results Summary Television Advertising 30/20/10 second ads on RTE 1&2, TV3, SKY, E4, Paramount, MTV, Ch 6, Living, Setanta Radio Advertising Press Online Ambient/Outdoor Media Interviews Website Visits Public Enquiries 30 second ads on National Stations plus local regional stations Editorial supplements in the Irish Times and the Star. Press ads in all National titles for SSIA Day entertainment.ie, ticketmaster.ie, yahoo.ie, daft.ie, iol,ie, hotpress.ie Luas, Dart and Bus Posters. Admobiles. Posters in Washrooms and all Third Level Colleges. The Pensions Board team carried out over 40 media interviews for local and national radio and press leading up to, during and following NPAW. Estimate of 50,000 visitors for March is 100% increase on 2006 NPAW month Overall NPAW enquiries at 352 were up by 35% on 2006 and particularly written enquiries at 157 saw an increase of 200% over a normal week.

23 NPAC Advertising Focus on Taking Action

24 NPAC Message 2008 Simplify the message Affordability Portability More straight forward than you think Employers obligations

25 Pensions in the workplace A good pension scheme has been long recognised as a very valuable asset for both the company and its employees. In partnership with employer representative organisations, NPAC encourages employers to see pensions as an integral element of their staff recruitment, retention and reward process. A company benefits from having: a reputation and respect as a good employer a workforce that feels valued and important increased loyalty and commitment from staff an enhanced staff recruitment, reward and retention package

26 Financial Planning Education Initiatives The Pensions Board is directly involved in the following educational related initiatives: Joint ventures with FAS and Fáilte Ireland (National State Training Authorities) National Recruitment Federation with over 100 private sector recruitment agency members Information stands at education events

27 Pensions aren t exciting! Key barriers to pension take-up included: Heavy complicated pensions language Absence of pensions from mainstream consumer media Absence of pensions from general conversation NPAC succeeded in overcoming these challenges by Distilling the key elements of starting a pension down to 10 bullet points in our Pensions Checklist Producing a user friendly pension calculator Introducing pensions to red top newspapers/ tabloids and consumer magazines Introducing pensions to popular national radio chat shows Introducing pensions to regional radio

28 A Case-study Agriculture and Rural Sector rd lowest pension coverage of all sectors at 32% Strategy to understand and communicate directly with this audience Activities joint venture with farming associations advertising and editorial coverage in farming publications conducted promotional activities at farming events Result 2008 saw pension coverage rates in this sector at 45%

29

30 National Pensions Awareness Campaign Support Agencies promoting NPAC Contact was made with the wide range of support Agencies who are assisting in delivering the NPAC message to their constituent clients and members. These include: Irish Congress of Trade Unions (ICTU) Irish Business and Employers Confederation (IBEC) Small Firms Association (SFA) Chambers of Commerce in Ireland (CCI) Irish Small and Medium Enterprises (ISME) Institute of Personnel and Development Other organisations and group involved in this process include: Citizen Information Centres Irish Farmers Association / Irish Country Women s Association National Library Network Rural Leader Groups Area Partnership Companies Irish Hotels Federation Licensed Vintners Association Restaurants Association of Ireland

31 Pensions Policy Government Green Paper on pensions consultation phase report published October 2008 Commission on Taxation 2008 to consider how best the tax system can encourage long term savings to meet the needs of retirement Pensions also a commitment in Programme for Government Towards 2016

32 Recommendations for a Successful Pensions Awareness Campaign Know your audience Understand the reasons for low pension awareness/coverage Recognise the challenges/opportunities involved Communicate with your audience in their space Keep the message simple and relevant

b u l l e t i n 2 :

b u l l e t i n 2 : b u l l e t i n 2 : 2 0 0 6 Verschoyle House, 28/30 Lr. Mount Street, Dublin 2. Tel: (01) 613 1900 Fax: (01) 631 8602 www.pensionsboard.ie New Pensions Board Chief Executive Officer On Friday 10 November

More information

I m on to it one of these days

I m on to it one of these days I m on to it one of these days Who will look after you in your retirement? The current State social welfare pension is 209.30 per week or 10,883 per year (as of Jan 2007) will this be enough for you to

More information

Engaging with your Pension

Engaging with your Pension Engaging with your Pension Tuesday 18 May 2010 David Malone Head of Information The Pensions Board The Pensions Board Established by the Pensions Act, 1990 Operations: Supervision, regulation and enforcement

More information

THE IRISH PENSION MODEL

THE IRISH PENSION MODEL Reinventing Retirement: Balancing Risk THE IRISH PENSION MODEL Anne Maher Chief Executive Washington DC The Pensions Board 19 July 2005 Ireland Background Agenda Current Irish pension model Issues arising

More information

Automatic Enrolment What can HR professionals learn from our workplace pension campaign?

Automatic Enrolment What can HR professionals learn from our workplace pension campaign? Automatic Enrolment What can HR professionals learn from our workplace pension campaign? 1 Campaign Objectives 1. Maximise employee participation by communicating benefits of a workplace pension and reinforcing

More information

A NEW REGIME FOR IRISH PENSIONS

A NEW REGIME FOR IRISH PENSIONS Conference on Private Pensions in Asia Pension Plan Governance A NEW REGIME FOR IRISH PENSIONS Mary Hutch 24-25 October 2002 Head of Information & Training Seoul, Korea The Pensions Board WHAT I WILL COVER

More information

Attitude and Behaviour relative to Long-term Saving and Protection: a Challenging policy priority

Attitude and Behaviour relative to Long-term Saving and Protection: a Challenging policy priority Developing and Safeguarding the Kenyan Retirement Benefits Sector through commitment to continued Excellence in Service Delivery Attitude and Behaviour relative to Long-term Saving and Protection: a Challenging

More information

inheritance options the flexible approach to inheritance tax planning

inheritance options the flexible approach to inheritance tax planning inheritance options the flexible approach to inheritance tax planning more options for your future 055 About us Founded in 1939, we have been taking care of our customers' financial futures for over 60

More information

To: Business/Property Editor Date: 4 August 2017 For immediate release HYSAN DEVELOPMENT COMPANY LIMITED 2017 INTERIM RESULTS

To: Business/Property Editor Date: 4 August 2017 For immediate release HYSAN DEVELOPMENT COMPANY LIMITED 2017 INTERIM RESULTS NEWS RELEASE To: Business/Property Editor Date: 4 August 2017 For immediate release HYSAN DEVELOPMENT COMPANY LIMITED 2017 INTERIM RESULTS HIGHLIGHTS Turnover up 1.8% year-on-year; Recurring Underlying

More information

The Pensions Board. Tiarnan O Mahoney (Chairperson) Tiarnan O Mahoney (Chairperson) William Beausang (Dept. of Finance)

The Pensions Board. Tiarnan O Mahoney (Chairperson) Tiarnan O Mahoney (Chairperson) William Beausang (Dept. of Finance) 1 Table of contents Glossary and abbreviations...4 1. Executive summary...10 2. Background...22 3. Key objectives and policy context...24 4. Approach and background...33 5. Overview of mandatory systems...37

More information

Business Higher Level (400 marks)

Business Higher Level (400 marks) 2017. M57 WARNING This question paper MUST be returned with your answer book at the end of the examination, otherwise marks will be lost. Write your Examination Number here: Coimisiún na Scrúduithe Stáit

More information

Coimisiún na Scrúduithe Stáit State Examinations Commission

Coimisiún na Scrúduithe Stáit State Examinations Commission M56 WARNING This question paper MUST be returned with your answer book at the end of the examination, otherwise marks will be lost. Write your Examination Number here: Coimisiún na Scrúduithe Stáit State

More information

Dublin sponsorship insuring business success for AIG

Dublin sponsorship insuring business success for AIG Category L: Best Use of Sponsorship (over 50K) Dublin sponsorship insuring business success for AIG In November 2013 AIG announced its arrival as the sponsor of GAA in Dublin. These were unchartered waters

More information

The Pensions Advisory Service EQUALITY IMPACT ASSESSMENT BACK CATALOGUE

The Pensions Advisory Service EQUALITY IMPACT ASSESSMENT BACK CATALOGUE The Pensions Advisory Service EQUALITY IMPACT ASSESSMENT BACK CATALOGUE Introduction The Pensions Advisory Service has carried out an equality impact assessment (EIA) on existing policies and procedures.

More information

Networking and Engagement

Networking and Engagement The support from our stakeholders is essential to the sustainable development of the MPF System. We collaborate with various parties to supervise the operation of MPF schemes, promote public understanding

More information

Budget consultation: a survey of public sector organisations.

Budget consultation: a survey of public sector organisations. Budget consultation: a survey of public sector organisations. 1 of 18 Budget consultation: a survey of public sector organisations. Budget consultation: a survey of public sector organisations. 2 of 18

More information

YOUR CITY, YOUR PRIORITIES COMMUNITY BUDGET ENGAGEMENT REPORT. May 9, 2017

YOUR CITY, YOUR PRIORITIES COMMUNITY BUDGET ENGAGEMENT REPORT. May 9, 2017 YOUR CITY, YOUR PRIORITIES COMMUNITY BUDGET ENGAGEMENT REPORT May 9, 2017 PROJECT BACKGROUND PROCESS TIMELINE Jan 26, 2016 Feb Apr 2017 May 9, 2017 Request for Community Engagement @ City Council Meeting

More information

Information and Communication Plan 2011

Information and Communication Plan 2011 Information and Communication Plan 2011 MEDITERRANEAN SEA BASIN PROGRAMME 2007-2013 Introduction This Annual Information and Communication Plan details the communication activities to be implemented from

More information

MEMO. Why a European promotion policy for agricultural products?

MEMO. Why a European promotion policy for agricultural products? EUROPEAN COMMISSION MEMO Brussels, 21 November 2013 Questions & Answers: Reform of the policy on information and promotion measures for agricultural products on the internal market and in third countries:

More information

About Jersey. General. Government

About Jersey. General. Government About Jersey General Jersey is the largest and most southerly of the Channel Islands and lies 14 miles off the Normandy coast. It has a resident population of approximately 91,000 living in an area of

More information

«Europe Needs a Pay Rise!»

«Europe Needs a Pay Rise!» «Europe Needs a Pay Rise!» ETUC Press & Communication Committee Meeting 15/09/2017 Story of Latvia Free Trade Union Confederation of Latvia - LBAS 20 independent trade unions are affiliated to LBAS LBAS

More information

Irish Association of Pension Funds. Budget Submission

Irish Association of Pension Funds. Budget Submission Irish Association of Pension Funds Budget October 2005 Executive Summary The Irish Association of Pension Funds (IAPF) has prepared this submission with a view to making constructive observations and recommendations

More information

Submission to the Minister for Finance Budget 2016

Submission to the Minister for Finance Budget 2016 Submission to the Minister for Finance Budget 2016 August 2015 Michael Noonan TD Minister for Finance Department of Finance Government Buildings Merrion Street Upper Dublin 2 D02 R583 4 August 2015 Dear

More information

Simplify the management and administrative processes of the programme; Mainstream / simplify the structure of the programme.

Simplify the management and administrative processes of the programme; Mainstream / simplify the structure of the programme. Plate forme européenne de la société civile pour l éducation tout au long de la vie European Civil Society Platform on Lifelong Learning - EUCIS-LLL Brussels, January 2011 EUCIS- LLL POSITION ON THE FUTURE

More information

SPONSORSHIP PACKAGE INNOVATORSBOX. ALL RIGHTS RESERVED

SPONSORSHIP PACKAGE INNOVATORSBOX. ALL RIGHTS RESERVED 2 0 1 7-2 0 1 8 SPONSORSHIP PACKAGE 2016-2017 INNOVATORSBOX. ALL RIGHTS RESERVED ABOUT INNOVATORSBOX A D C - B A S E D C R E A T I V E E D U C A T I O N F I R M InnovatorsBox empowers leaders and organizations

More information

CORK COUNTY COUNCIL SENIOR EXECUTIVE SPECIALIST POLICY, RESEARCH AND INTERNATIONAL RELATIONS POSITION SUMMARY

CORK COUNTY COUNCIL SENIOR EXECUTIVE SPECIALIST POLICY, RESEARCH AND INTERNATIONAL RELATIONS POSITION SUMMARY POSITION SUMMARY Applications are invited for the post of Senior Executive Specialist in Policy, Research & International Relations to join the Directorate for Economic Development, Enterprise & Tourism,

More information

1,000 more Jobseekers to benefit from JobBridge - Expansion based on success in the first 10 months of the scheme.

1,000 more Jobseekers to benefit from JobBridge - Expansion based on success in the first 10 months of the scheme. 1,000 more Jobseekers to benefit from JobBridge - Expansion based on success in the first 10 months of the scheme. The Minister for Social Protection, Joan Burton TD today announced 1,000 extra places

More information

EGGE EC s Expert Group on Gender and Employment

EGGE EC s Expert Group on Gender and Employment EGGE EC s Expert Group on Gender and Employment Assessment of the National Action Plan for Employment 2002 from a Gender Perspective Ireland Copyright Disclaimer: This report was produced as part of the

More information

Summary of the Green Paper on Pensions

Summary of the Green Paper on Pensions Summary of the Green Paper on Pensions Robert Wolfe Society of Actuaries in Ireland PRSA Forum 9 April 2008 Green Paper on Pensions Introduction Demography Coverage and Adequacy Options for Change Regulation

More information

Voice. Influencing Social Policy. In this issue... Volunteering in Citizens Information Services

Voice. Influencing Social Policy. In this issue... Volunteering in Citizens Information Services Volume 8 Issue 2 July 2010 Voice Influencing Social Policy The Citizens Information Board aims to influence policy developments by highlighting the concerns of service users as to the effectiveness of

More information

Investing in our Staff. Employee Benefits. U:\Benefits Statement August 09.doc Page 1 of 5

Investing in our Staff. Employee Benefits. U:\Benefits Statement August 09.doc Page 1 of 5 Investing in our Staff Employee Benefits U:\Benefits Statement August 09.doc Page 1 of 5 A- Z of Employee Benefits NHS Croydon is an Equal Opportunities Employer and has achieved Practice Plus status.

More information

Getting Paid In America Survey Results

Getting Paid In America Survey Results Getting Paid In America Survey Results 1. Actor Daniel Radcliffe, who portrays the title character in the popular Harry Potter movie franchise, earned $15 million from June 2006 to June 2007, or about

More information

Briefing: National Action Plan from Social Inclusion (NAP Inclusion)

Briefing: National Action Plan from Social Inclusion (NAP Inclusion) Briefing: National Action Plan from Social Inclusion (NAP Inclusion) A. Background Ireland currently has two National Action Plans for Social Inclusion which have different origins and structures. However,

More information

Volunteering. while getting benefits. Part of the Department for Work and Pensions

Volunteering. while getting benefits. Part of the Department for Work and Pensions Volunteering while getting benefits Part of the Department for Work and Pensions This leaflet is only a guide and does not cover every circumstance. We have done our best to make sure the leaflet is correct

More information

IFA Submission to Government on National Pensions Policy

IFA Submission to Government on National Pensions Policy IFA Submission to Government on National Pensions Policy Introduction IFA welcomes the decision by the Government to undertake a major review of national pensions policy, which commenced with the Pensions

More information

Footprint of Financial Crisis in the Media. SLOVAKIA country report Compiled by Peter Javurek Commissioned by Open Society Institute

Footprint of Financial Crisis in the Media. SLOVAKIA country report Compiled by Peter Javurek Commissioned by Open Society Institute Footprint of Financial Crisis in the Media SLOVAKIA country report Compiled by Peter Javurek Commissioned by Open Society Institute December 2009 Economy The Slovak economy was hit by the crisis through

More information

About this report Executive summary The Retail Team Salaries Top Level Manager salary... 5

About this report Executive summary The Retail Team Salaries Top Level Manager salary... 5 Salaries 06 Contents About this report... Executive summary... 3 The Retail Team... 4 Salaries... 5 Top Level salary... 5 Performance related bonuses for Top Level s... 5 Salary tables... 6 Impact of the

More information

Euro E15 EuroE15 Division E15 ZEN Právo & Byznys (Law & Business) real Immo Euro Strategie Profit E15 Weekly

Euro E15 EuroE15 Division E15  ZEN Právo & Byznys (Law & Business) real Immo Euro Strategie Profit E15 Weekly EuroE15 Division Currently the largest publisher of economic and professional titles in the Czech Republic. The E15 daily has been one of the most highly respected opinion media since 2007. Together with

More information

media kit sbr.com.sg ADVERTISING

media kit sbr.com.sg ADVERTISING media kit sbr.com.sg about US Singapore Business Review is the industry magazine serving Singapore s dynamic business community. Independent, incisive, and authoritative, it is the definitive magazine

More information

Glasgow s Participatory Budgeting Evaluation Toolkit

Glasgow s Participatory Budgeting Evaluation Toolkit Glasgow s Participatory Budgeting Evaluation Toolkit What is the participatory budgeting toolkit? Participatory budgeting (PB) is a democratic process in which community members decide how to spend part

More information

NHS Ayrshire & Arran Organisation & Human Resource Development Policy RETIREMENT POLICY

NHS Ayrshire & Arran Organisation & Human Resource Development Policy RETIREMENT POLICY NHS Ayrshire & Arran Organisation & Human Resource Development Policy Change Record RETIREMENT POLICY Version Date Reason Author d1a Initial Draft i1a Issued for Review a1 06.09.11 Approved Mary Anne Black

More information

Communications Policy Statement

Communications Policy Statement Communications Policy Statement June 2014 Published by: Cheshire Pension Fund Cheshire West and Chester Council HQ, 58 Nicholas Street Chester CH1 2NP Accessing Cheshire Pension Fund information and services

More information

Communication agenda of SECO mechanism

Communication agenda of SECO mechanism Communication agenda of SECO mechanism 1 Introduction 1.1 About the mechanism SEIO mechanism was created with the desire to contribute to improving the programming process and increasing the efficiency

More information

Age friendly goods and services an opportunity for social and economic development (Warsaw, October 2012)

Age friendly goods and services an opportunity for social and economic development (Warsaw, October 2012) Age friendly goods and services an opportunity for social and economic development (Warsaw, 29-30 October 2012) Approach to active ageing for the next period 1 Marta Koucká Ministry of Labour and Social

More information

AGE ACTION IRELAND STRATEGIC PLAN

AGE ACTION IRELAND STRATEGIC PLAN AGE ACTION IRELAND STRATEGIC PLAN 2016-2018 FEBRUARY 2016 Contents Introduction... 3 Our Vision... 4 Our Mission... 4 Our Core Values... 5 Achievements... 6 Development of the 2016-2018 Strategic Plan...

More information

The Home Carer Tax Credit has been increased from 1,200 to 1,500 per annum.

The Home Carer Tax Credit has been increased from 1,200 to 1,500 per annum. 1 Income Tax Personal Taxes Budget 2019 made only minor changes in the area of personal taxes. We have set out below details of the changes to Income Tax and USC which will take effect from 1 January 2019.

More information

PUBLIC AWARENESS AND DEPOSIT INSURANCE: EAST ASIA REVIEW

PUBLIC AWARENESS AND DEPOSIT INSURANCE: EAST ASIA REVIEW PROTECTING YOUR DEPOSITS PUBLIC AWARENESS AND DEPOSIT INSURANCE: EAST ASIA REVIEW David Walker Deposit Deposit Presentation Outline Importance of Public Awareness East Asia review highlights: Hong Kong

More information

2016 INTERIM RESULTS. Robert Pitt Group CEO Ryan Preston Group CFO

2016 INTERIM RESULTS. Robert Pitt Group CEO Ryan Preston Group CFO 2016 INTERIM RESULTS Robert Pitt Group CEO Ryan Preston Group CFO NOTE REGARDING FORWARD-LOOKING STATEMENTS Some statements in this announcement are forward-looking. They represent our expectations for

More information

The employment contract

The employment contract The employment contract What must be included in the contract? In general, foreign workers in Denmark are covered by the same rules and agreements that apply to Danish employees. The contract may also

More information

Lois A. Vitt, Founding Director

Lois A. Vitt, Founding Director Lois A. Vitt, Founding Director GOODBYE TO COMPLACENCY: FINANCIAL LITERACY EDUCATION IN THE U.S. 2000-2005 US-UK Dialogue on Pensions Thursday, 21 July 2005 Financial Education in the U.S. Goodbye to Complacency:

More information

First-time employer s guide

First-time employer s guide IR 333 April 2013 First-time employer s guide Information you ll need if you re thinking of taking on staff for the first time 2 First-time employer s guide Introduction This booklet takes a brief look

More information

West Sussex Carewise

West Sussex Carewise West Sussex Carewise Strategic Context West Sussex County Council (WSCC) initiated its Carewise scheme in January 2011, with the aim of reducing the number of older people whose residential/nursing home

More information

SAIA CONSUMER EDUCATION REQUEST FOR PROPOSALS (RFP) CONSUMER EDUCATION PROJECTS FOR 2017/18

SAIA CONSUMER EDUCATION REQUEST FOR PROPOSALS (RFP) CONSUMER EDUCATION PROJECTS FOR 2017/18 SAIA CONSUMER EDUCATION REQUEST FOR PROPOSALS (RFP) CONSUMER EDUCATION PROJECTS FOR 2017/18 - 1 - Request for Proposal (RFP) Consumer Education Projects 1. Statement of Purpose The South African Insurance

More information

Welsh Grand Committee

Welsh Grand Committee Welsh Grand Committee Standard Note: SN/PC/05740 Last updated: 29 October 2010 Author: Paul Bowers Section Parliament and Constitution Centre Some Members representing Welsh constituencies called for a

More information

Franchise Marketing Funds

Franchise Marketing Funds Franchise Marketing Funds One of the key advantages of joining a franchise is the strength of the franchisor s brand, and the power of the marketing that supports the brand. According to the Franchising

More information

Ohio Police & Fire Pension Fund 2018 COMMUNICATIONS PLAN

Ohio Police & Fire Pension Fund 2018 COMMUNICATIONS PLAN 140 East Town Street / Columbus, Ohio 43215 5164 / Tel. (614) 228 2975 / www.op f.org Ohio Police & Fire Pension Fund 2018 COMMUNICATIONS PLAN The Ohio Police & Fire Pension Fund (OP&F) seeks to communicate

More information

Structure of the presentation

Structure of the presentation Structure of the presentation Issues in Financial Literacy in India Financial Access-itself an important Communication Channel A different mix of content of Financial Literacy material for financially

More information

Assessing Tax Administration by the Ministry of Finance: The Case of Somaliland. August Yusuf Mohamed Hussein

Assessing Tax Administration by the Ministry of Finance: The Case of Somaliland. August Yusuf Mohamed Hussein High-Quality Research Support (HQRS) Programme Assessing Tax Administration by the Ministry of Finance: The Case of Somaliland August 2017 Yusuf Mohamed Hussein 1 Introduction The concept of tax in general

More information

Pre-Budget Submission 2018 Department of Communications, Climate Action and Environment

Pre-Budget Submission 2018 Department of Communications, Climate Action and Environment Pre-Budget Submission 2018 Department of Communications, Climate Action and Environment I am 89 years of age and I live alone. Now I don t feel so alone. I can communicate not only with friends in Ireland

More information

Government s Green Paper on Pensions Denis Casey, CEO Irish Life & Permanent Script to the Insurance Institute of Dublin 7 th November 2007

Government s Green Paper on Pensions Denis Casey, CEO Irish Life & Permanent Script to the Insurance Institute of Dublin 7 th November 2007 Government s Green Paper on Pensions Denis Casey, CEO Irish Life & Permanent Script to the Insurance Institute of Dublin 7 th November 2007 Good Morning, Ladies & Gentlemen. I have to say it s a fairly

More information

Financial Wellness Program CORPORATE RETIREMENT PLAN STRATEGIES

Financial Wellness Program CORPORATE RETIREMENT PLAN STRATEGIES CORPORATE RETIREMENT PLAN STRATEGIES Employee Financial Wellness fosters a workforce of healthier, happier, and more productive employees.* We have spent decades developing a comprehensive that leverages

More information

2017 YEAR-END ECONOMIC REPORT SPONSORED BY

2017 YEAR-END ECONOMIC REPORT SPONSORED BY 2017 YEAR-END ECONOMIC REPORT SPONSORED BY FOREWORD The National Small Business Association (NSBA) is the nation s first small-business advocacy organization, celebrating 80 years of small-business representation

More information

ETHICAL INVESTMENT POLICY STATEMENT

ETHICAL INVESTMENT POLICY STATEMENT ETHICAL INVESTMENT POLICY STATEMENT This document gives information on our ethical investment criteria and how it is applied to select investments. If there is anything you do not understand, please ask

More information

Interim report for the period 1 June February 2005 for Bang & Olufsen a/s

Interim report for the period 1 June February 2005 for Bang & Olufsen a/s Copenhagen Stock Exchange Nikolaj Plads 6 1067 Copenhagen K Translation Struer, 13 April 2005 Interim report for the period 1 June 2004 28 February 2005 for Bang & Olufsen a/s The third quarter recorded

More information

Irish Association of Pension Funds. Pre Budget Submission

Irish Association of Pension Funds. Pre Budget Submission Irish Association of Pension Funds Pre Budget Submission November 2004 1. Executive Summary The Irish Association of Pension Funds (IAPF) has prepared this submission with a view to making constructive

More information

EURES Cross Border Partnership Ireland N Ireland. Joe Lavery Partnership Co-ordinator.

EURES Cross Border Partnership Ireland N Ireland. Joe Lavery Partnership Co-ordinator. EURES Cross Border Partnership Ireland N Ireland Joe Lavery Partnership Co-ordinator. EURES (European Employment Services) is a co-operation network between the European Commission and the Public Employment

More information

How the Irish pension system provides for current retirees. The Irish pension system:

How the Irish pension system provides for current retirees. The Irish pension system: How the Irish system provides for current retirees Jonathan Briody 1 Introduction This note examines the data from The Irish Longitudinal Study on Ageing (TILDA) 2 in relation to the incomes of the current

More information

Case Studies.

Case Studies. Case Studies www.perfect10pr.com Public Communication Campaign Perfect10 has succeeded in supporting the government projects Kerosene to LPG Conversion 2008-2011 and Lingkaran Biru Family Planning 2008-2010.

More information

Follow the Vikings Artistic Director

Follow the Vikings Artistic Director Follow the Vikings Artistic Director The Project Follow the Vikings is a 4 year programme that celebrates Viking heritage throughout Europe with particular emphasis on creativity and culture, including

More information

EU ETHIOPIA CIVIL SOCIETY FUND PROJECT MONITORING STRATEGY

EU ETHIOPIA CIVIL SOCIETY FUND PROJECT MONITORING STRATEGY EU ETHIOPIA CIVIL SOCIETY FUND PROJECT MONITORING STRATEGY CONTENTS 1 Introduction... 1 2 Monitoring Framework... 1 2.1 Key Indicator Set... 1 2.2 Data Sources... 2 3 Implementation... 2 3.1 Adoption of

More information

This document provides information about the provincial government s response to the 2009 coroner s recommendations.

This document provides information about the provincial government s response to the 2009 coroner s recommendations. On March 7, 2007, a van carrying 17 people (16 farmworkers and a driver) was involved in a motor vehicle accident near Abbotsford, B.C. that resulted in the deaths of three workers and injuries to the

More information

THE NEW EXCLUSIVE SPRINT CREDIT UNION MEMBER CASH REWARDS

THE NEW EXCLUSIVE SPRINT CREDIT UNION MEMBER CASH REWARDS THE NEW EXCLUSIVE SPRINT CREDIT UNION MEMBER CASH REWARDS 1 LAUNCHED JANUARY 2017 Sprint s new exclusive offer for credit unions gives members cash back, that's directly deposited into their account. Our

More information

www.caymanfinance.ky Mission Statement To promote the development of the Cayman Islands Financial Services Industry through cooperation and engagement with domestic and international political leaders,

More information

CONFERENCE ON OVER- INDEBTEDNESS AN OVERVIEW OF THE NCR S RESEARCH,AWARENESS & EDUCATION ACTIVITIES AS PART OF EXECUTING ITS MANDATE

CONFERENCE ON OVER- INDEBTEDNESS AN OVERVIEW OF THE NCR S RESEARCH,AWARENESS & EDUCATION ACTIVITIES AS PART OF EXECUTING ITS MANDATE CONFERENCE ON OVER- INDEBTEDNESS AN OVERVIEW OF THE NCR S RESEARCH,AWARENESS & EDUCATION ACTIVITIES AS PART OF EXECUTING ITS MANDATE Nomsa Motshegare AUGUST 2010 Reckless lending National Credit Act became

More information

Entertainment That Inspires Health

Entertainment That Inspires Health Entertainment That Inspires Health STARTING A (HEALTH) MOVEMENT v I Plan To 1. Tell You About Incite 2. Share Cause Marketing and Strategic Philanthropy Examples 3. Discuss the Importance of Developing

More information

Financial Literacy Towards Financial Well-Being: Indonesia Experience

Financial Literacy Towards Financial Well-Being: Indonesia Experience Financial Literacy Towards Financial Well-Being: Indonesia Experience Presented by Sarjito Deputy Commissioner of Financial Education and Consumer Protection Indonesia Financial Services Authority 1 Agenda

More information

Let s take a fresh approach to managing money

Let s take a fresh approach to managing money Let s take a fresh approach to managing money Sharing ideas from our Financial Capability Lab to help transform 12.7 million lives across the UK The Financial Capability Lab partnership: Almost 1 in 4

More information

Egypt s Fiscal Transparency

Egypt s Fiscal Transparency Egypt s Fiscal Transparency Challenges and Opportunities -The Way Forward- Macro-Fiscal Policy Unit/ Ministry of Finance Egypt June 2018 Contents 1 Introduction - Transparency Objectives and Challenges

More information

2016 Public Policy Survey Results

2016 Public Policy Survey Results 2016 Public Policy Survey Results 2016 Public Policy Survey Results The Murray-Calloway County Chamber of Commerce is the region s secondlargest business advocacy organization and is the 9th largest Chamber

More information

2017 Preliminary Results

2017 Preliminary Results 2017 Preliminary Results NOTE REGARDING FORWARD-LOOKING STATEMENTS Some statements in this announcement are forward-looking. They represent our expectations for our business and involve risks and uncertainties.

More information

ITB Semester 2 Exam Review

ITB Semester 2 Exam Review Class: Date: ITB Semester 2 Exam Review Completion Complete each statement. 1. Trading goods and services allows countries to meet their individual wants and needs as well as to help their own. 2. is the

More information

Review by the CEO. Annual General Meeting of Alma Media Corporation 20 March 2014

Review by the CEO. Annual General Meeting of Alma Media Corporation 20 March 2014 Review by the CEO Annual General Meeting of Alma Media Corporation 20 March 2014 Contents Alma Media in 2013 Strategy implementation Markets in 2013 Financials 2013 2014 and beyond 2 March 20, 2014 Alma

More information

Communications Policy Statement

Communications Policy Statement Communications Policy Statement July 2008 An effective communications strategy is vital for any organisation which strives to provide a high quality and consistent service to its customers. There are six

More information

Business Higher Level (400 marks)

Business Higher Level (400 marks) 2010. M.57 WARNING This question paper MUST be returned with your answer book at the end of the examination, otherwise marks will be lost. Write your Examination Number here: Coimisiún na Scrúduithe Stáit

More information

Solvency Assessment and Management: Steering Committee Position Paper 9 1 (v 3) The Communications strategy

Solvency Assessment and Management: Steering Committee Position Paper 9 1 (v 3) The Communications strategy Solvency Assessment and Management: Steering Committee Position Paper 9 1 (v 3) The Communications strategy 1. INTRODUCTION The Financial Services Board is developing a new risk-based solvency regime for

More information

VGi GLOBAL MEDIA PCL.

VGi GLOBAL MEDIA PCL. MEDIA INDUSTRY AND BUSINESS IMPACT ANALYSIS THAI ADVERTISING SPENDING VS VGI REVENUE (THB mn) 35,000 33,000 31,000 29,000 27,000 25,000 23,000 21,000 19,000 17,000 15,000 32,200.0 30,869.2 31,520.7 30,764.8

More information

National advertising for your property

National advertising for your property National advertising for your property 2015 National advertising Specialising in the sale and rental of residential properties, Fine & Country combines direct marketing, local and national advertising

More information

Community Engagement for FY Budget Development

Community Engagement for FY Budget Development Community Engagement for FY 2017-18 Budget Development April 5, 2017 Elizabeth Reich Chief Financial Officer Jack Ireland, Director Office of Financial Services Presentation Overview Discuss purpose of

More information

Pre Budget Submission 2010:

Pre Budget Submission 2010: Pre Budget Submission 2010: Introduction: Respond! is Ireland's largest not for profit Housing Association. We seek to create a positive future for people by alleviating poverty and creating vibrant, socially

More information

Latest developments: investor targeting, aftercare and IIAs

Latest developments: investor targeting, aftercare and IIAs WORKSHOP ON INTERNATIONAL INVESTMENT POLICIES, INVESTMENT PROMOTION STRATEGIES AND SUSTAINABLE DEVELOPMENT Latest developments: investor targeting, aftercare and IIAs By: Natalia Guerra 22 November 2012

More information

1H April 2018 Singapore Press Holdings Limited

1H April 2018 Singapore Press Holdings Limited 1H 2018 10 April 2018 Singapore Press Holdings Limited 1H2018 S$ 000 1H2017 S$ 000 Change % Flat Half Year Performance Facing digital challenges head on Operating revenue 492,457 516,275 (4.6) Operating

More information

Guidance notes (continued)

Guidance notes (continued) Help and advice about other benefits If you want general advice about any other benefits you may be able to claim Ring the Benefit Enquiry Line (BEL) for people with disabilities on 0800 88 22 00. People

More information

TRAINING CATALOGUE ON IMPACT INSURANCE Building practitioner skills in providing valuable and viable insurance products

TRAINING CATALOGUE ON IMPACT INSURANCE Building practitioner skills in providing valuable and viable insurance products TRAINING CATALOGUE ON IMPACT INSURANCE Building practitioner skills in providing valuable and viable insurance products 2017 Contents of the training catalogue The ILO s Impact Insurance Facility... 3

More information

Key Development in the Hong Kong Insurance market. David Alexander Governing Committee Member

Key Development in the Hong Kong Insurance market. David Alexander Governing Committee Member Key Development in the Hong Kong Insurance market David Alexander Governing Committee Member Agenda HKFI Corporate Structure Proposed Voluntary Health Insurance Scheme (VHIS) Independence of Insurance

More information

MELBOURNE PROSPECTUS INFORMATIONAL GUIDE NOVEMBER 16 & 17

MELBOURNE PROSPECTUS INFORMATIONAL GUIDE NOVEMBER 16 & 17 MELBOURNE PROSPECTUS INFORMATIONAL GUIDE 2018 NOVEMBER 16 & 17 MELBOURNE Melbourne Disability Expo 2018 16 TH & 17 TH November, 2018 Melbourne Convenion Centre, VIC 3006 Sponsorship and Exhibitor Prospectus

More information

The report details progress against the Tackling Poverty Action Plan approved by Council on 25 June 2015.

The report details progress against the Tackling Poverty Action Plan approved by Council on 25 June 2015. To: Leadership Board On: 12 th December 2017 Report by: Chief Executive Heading: Tackling Poverty Programme Progress Update 1. Summary 1.1 1.2 1.3 1.4 The report details progress against the Tackling Poverty

More information

MARKETPLACE COVERAGE INITIATIVE EVALUATION PROMOTING HEALTH AMONG THE UNINSURED

MARKETPLACE COVERAGE INITIATIVE EVALUATION PROMOTING HEALTH AMONG THE UNINSURED MARKETPLACE COVERAGE INITIATIVE EVALUATION PROMOTING HEALTH AMONG THE UNINSURED APRIL 2015 A report prepared for the Health Care Foundation of Greater Kansas City Department of Health Policy and Management

More information

Best of the Best plc ( Best of the Best, BOTB, the Company or the Group ) Preliminary results for the twelve months ended 30 th April 2017

Best of the Best plc ( Best of the Best, BOTB, the Company or the Group ) Preliminary results for the twelve months ended 30 th April 2017 Best of the Best plc ( Best of the Best, BOTB, the Company or the Group ) Preliminary results for the twelve months ended 30 th April 2017 Best of the Best plc ( BOTB) runs competitions to win cars both

More information

Montana State Planning Grant A Big Sky Opportunity to Expand Health Insurance Coverage. Interim Report

Montana State Planning Grant A Big Sky Opportunity to Expand Health Insurance Coverage. Interim Report Montana State Planning Grant A Big Sky Opportunity to Expand Health Insurance Coverage Interim Report Submitted to Health Resources and Services Administration (HRSA) U.S. Department of Health and Human

More information

Parliamentary Briefing

Parliamentary Briefing Parliamentary Briefing Scotland s Anti- Poverty Framework Introduction These are challenging times for fighting poverty in Scotland. After years of progress in some areas we are now beginning to see an

More information