Sarah Vickerstaff and Wendy Loretto. Age Discrimination, Ageism and Older Employed Workers
|
|
- Ira Tyler
- 5 years ago
- Views:
Transcription
1 Sarah Vickerstaff and Wendy Loretto Age Discrimination, Ageism and Older Employed Workers
2 UNCERTAIN FUTURES: MANAGING LATE-CAREER TRANSITIONS AND EXTENDED WORKING LIVES This ESRC-funded mixed methods research, which includes quantitative data (ELSA, HRS and NCDS) and organisational case studies, makes a distinctive contribution to our appreciation of the drivers and inhibitors for extending working life (EWL). Please visit our website: for articles and papers that elaborate on our findings Page 2
3 Parallel research: Older people and Employment in Scotland Qualitative study: Feb-Apr 2017 Explored opportunities & challenges related to the employment of older people Older People s perspectives 42 interviews across central Scotland (n=44 as 2 couple interviews) Participants aged Mix of employed, self-employed and unemployed Range of sectors, occupations and financial circumstances Scottish Employers views 21 interviewed Mix of focus groups & telephone interviews Range of sectors and sizes 3
4 Policy developments The last decade has seen unprecedented policy reform and development across a number of spheres which impacts upon extending working lives issues: Equalities legislation (2006) No default retirement age (2011) Changes to state pension ages (1995/2011/2014 ongoing) Pension reform and auto enrolment Welfare reform (incapacity benefit to employment support allowance) Right to request flexible employment extended to all (2014) Page 4
5 Individual choice Employer action? Much of the policy discussion stresses that the impact of these policy reforms is to extend individual choice about when and how to retire. In reality these policy changes firmly place the onus on employers to recruit and retain older workers. However, our research found little evidence that organisations have begun to work through the implications of an ageing workforce. Page 5
6 ESRC Case studies: Interviewees CASE STUDY HR managers/ occupational health Line managers Employees (Over 50/under 50) Trade unions Total Local Government (LG) Transport (TR) Hospitality (HO) Engineering and Manufacturing (MA) / Extractive Industry (EI) /5 26
7 Focus on unintended consequences of policy changes Concerns about discussing retirement in the context of age discrimination legislation. Balance between age specific and generic interventions. Age stereotypes and internalised ageism and their implications Page 7
8 Age Discrimination and Ageism Employers are very aware of age discrimination legislation and we found little evidence of overt discrimination; however, the implications of the law were being interpreted very defensively with some perverse consequences. In particular, it was believed that you cannot talk to anyone about their retirement plans for fear of being accused of ageism. This was unhelpful for both employer and employee. There was also the feeling that you can no longer make informal adjustments for older workers. Page 8
9 Who is talking about retirement? But obviously we have quite a lot of mature people on site and we cannot mention retirement or, even if it s on, you know, it s their decision. (Female employee, Manufacturing) if I don t have almost this default retirement age to prompt it how do I raise the issue. You know, what if I'm clumsy about it and then the person gets upset. So yeah, I think some people would just avoid the issue, whereas a good manager would probably say, you know, what are your aspirations, what development do you want, what are your plans for the next few years? And they could get to that discussion anyway. (HR Manager Local Government) But actually there is an expectancy from employees that are just sort of like, I should be getting this data [about retirement options], why haven t you contacted me? So there is confusion there. (HR Manager Transport) I know they re not allowed to come and discuss retirement and everything with me, or what my plans are, but no one s even come and said now you re 65, what do you want to do or is there something we can do for you? (Employee Manufacturing) Page 9 Footer text
10 Consequences: It makes workforce planning more difficult: whereas before you could plan and you d have 20 people retiring in 2015, I have absolutely no idea now who is actually going to go. (HR Manager Transport) A driver may only give a month s notice and yet it takes eighteen months to recruit and train a new driver. This uncertainty is scary (Line Manager Transport). Employees want to discuss what they still think of as their retirement but don t know who to talk to and/or may worry about signalling their intention to go. Page 10 Footer text
11 Losing Flexibility Due to Equalities Legislation we used to have what they call green carded drivers, so they could still drive trains but they couldn t go on the main line. So basically they were shunter drivers and they were doing the shunting in the yard. So there was a bit more walking around but you didn t have to concentrate on the main line stuff But now with equal opportunities, one shift really, so everyone does all--, green cards, they ve got rid of them now. (Male Operations Inspector, Transport). I remember doing quite a few at the time, and just, you know, after we had to pull the policy [phased retirement], we were just left a little bit with a kind of black hole of well, we ll just have to do it by feel really, because it was just I think when the.. kind of the whole age retirement, you can t say.. age discrimination retirement issues changed, there is a bit of scaremongering that you can t say retirement, because people don t retire they just resign. (HR Manager, Manufacturing). Page 11
12 Age specific versus generic measures Manufacturing had got rid of its wind down scheme for people moving to retirement on the grounds that it might flout discrimination legislation. There was a widespread feeling that you cannot target a policy at older workers: i.e. opportunities for flexible working Safe havens or lighter duties are also felt to be potentially discriminatory Page 12 Footer text
13 Stereotyping: Where are we going to park all the zimmer frames? (Male employee, Manufacturing) I don t really want a job with responsibility, I don t want too much training I ve done it all before. It s too late, I m too old, I d probably fall asleep on the course or something. (Male employee, Transport) Well it s going to be longer--, short term absences tend to be the younger people, but older people tend to have little absence, but when the absences are there they re going to be longer term. And also think of, your cancers and whatever else. I know that you can t discriminate, but they do tend to be, as one gets more mature they tend to become problems. (Female employee, Manufacturing) Yeah, because no one would listen to me, I m a dinosaur, you know what I mean? I ve been further backwards than most people down there have been forwards, do you know what I mean? (Male employee, Transport) Page 13 Footer text
14 Job blocking: making way: And a whole generation is then missing out on going to work, you know, because the ones that are now sort of in between the 25 and 35, if they re still unemployed now and we re going till we re 65, they may never work, because we re there where they could be. (Female employee, Hospitality) but there is a imbalance because older people staying at work longer are taking up jobs that younger people could or should be doing and want to do and need to do. You know, I suppose there s a finite number of jobs available. (Male employee, Manufacturing) Cause all the time you re working a year after retirement you re stopping somebody else getting a job, you re keeping somebody else in the dole queue basically cause that job s not there for them (Male employee, Extractive Industry). I actually have a problem with people working longer cause--, guilt s not the right word, but there are lots of young people who can t get jobs, you know. (Male employee, Transport) Page 14
15 Insecurity: hanging in Job-related insecurity was widespread amongst the staff in the Local Gov. where restructuring was being dealt with through redeployment or voluntary redundancy or early retirement: You re not naturally in control of your own destiny anyway, in terms of they might decide that this job, you know, we can t afford to do it anymore and something else will have to happen or we ve got too many people doing it, so we ll move you again. (Male employee Local Gov) I mean there was no way you could prove it obviously, but a lot of people who ended up not with a job, or not with a job they originally wanted, were the older people. (Female employee, Local Gov) I think it s to my advantage to not tell people my age anyway. I think people will think, oh she ll start slowing down and she won t be able to do her job, if they knew my age. (Female employee Local Gov). Page 15 Footer text
16 Hang on to the job you ve got I m mindful that, you know, reading the press, people who are over 55 you don t always get a job So that s a bit worrying (Female employee Local Gov). So have you talked to your line manager about your osteoporosis? No. I ve kept it to myself and I know that s a bad thing and I shouldn t do it, but I cannot afford at this present time to lose my job. So really you just really have to hide the problems so that you can keep going. (Female employee Hospitality). As you get older, it is a lot harder to find a job. So I think, whereas if I was in my twenties and I was unhappy, I would go and find something else, you know, at my age, not so easy. (Female employee Hospitality). At the end of the day, you know, you need the money. It s a job. There s not much out there so, you know, at my age I m not going to change now. The older you get, you think well, you know, you re not going to find anywhere. (Female employee Hospitality). Page 16 Footer text
17 The problem with ageism Like all stereotyping ageism treats everyone the same; arguably people get less like each other due to accumulation of life experiences. Not just something done to people because of their age but also internalised ageism. Internalised ageism will impact behaviour and sense of entitlement. Does internalised ageism contribute to the acceptance of casual ageism? Page 17 Footer text
18 Policy messages: Despite major policy developments and reforms effecting retirement timings and transitions, which put the onus on employers to manage new work endings there is as yet little evidence that employers have really begun to work through the implications of an ageing workforce. The Fuller Working Lives; Partnership Approach recognises that there is still a communication gap here to be filled. A defensive response to age discrimination legislation is getting in the way of managing older workers effectively: conversations about retirement, career management, retirement courses and flexible work options. Employers need better advice about age discrimination legislation and how to talk to, and frame policy for, older workers. Ageism has many manifestations and even those in relatively secure work may feel vulnerable and/or guilty about their employment, more age positive messages are needed. Page 18 Footer text
19 Anything different in Scotland? Employers seemed more aware of imperative to recruit, retain and retain older workers But not much action beyond retention Same issues of fear of discrimination and internalised ageism Highlighted flexible working gap employers identified this as main way of retaining older employees but the older people themselves were not aware of their rights or possible opportunities Need to bring together older people wanting to work (for longer) and employers looking for older employees Work ongoing with Age Scotland and Business in the Community Scotland to raise this mutual awareness. Page 19 Footer text
20 Thanks to all the people involved with the project: David Wainwright and Andrew Weyman (University of Bath) Wendy Loretto and Laura Airey (University of Edinburgh) Ben Baumberg-Geiger, Amanda Burns, Mariska van der Horst and Sue Shepherd (University of Kent) Mark Robinson (formerly of Leeds Beckett University) Chris Phillipson (University of Manchester) David Lain (University of Newcastle, formerly University of Brighton) Charlotte Clark and Amanda Fahy (formerly of Queen Mary, University of London) Joanne Crawford (Institute of Occupational Medicine) Colleagues at ILC-UK And to all the managers and employees who generously gave of their time to be interviewed. Page 20
ECO155L19.doc 1 OKAY SO WHAT WE WANT TO DO IS WE WANT TO DISTINGUISH BETWEEN NOMINAL AND REAL GROSS DOMESTIC PRODUCT. WE SORT OF
ECO155L19.doc 1 OKAY SO WHAT WE WANT TO DO IS WE WANT TO DISTINGUISH BETWEEN NOMINAL AND REAL GROSS DOMESTIC PRODUCT. WE SORT OF GOT A LITTLE BIT OF A MATHEMATICAL CALCULATION TO GO THROUGH HERE. THESE
More informationCombatting ageism to improve access to employment. Jemma Mouland February 2019
Combatting ageism to improve access to employment Jemma Mouland February 2019 Centre for Ageing Better We work for a society where everybody enjoys a good later life An independent charitable foundation
More informationYoung People and Money Report
Young People and Money Report 2018 marks the Year of Young People, a Scottish Government initiative giving young people a platform to voice issues that affect their lives and allowing us to celebrate their
More informationHigh Net Worth Individuals
High Net Worth Individuals Transcripts Mobile Phones High Net Worth Individuals attitudes towards: Letter from the Client Services Director Vox Pops International is the first company in the UK to truly
More informationIncome for Life #31. Interview With Brad Gibb
Income for Life #31 Interview With Brad Gibb Here is the transcript of our interview with Income for Life expert, Brad Gibb. Hello, everyone. It s Tim Mittelstaedt, your Wealth Builders Club member liaison.
More informationWorkplace pensions Frequently asked questions. This leaflet answers some of the questions you may have about workplace pensions
Workplace pensions Frequently asked questions This leaflet answers some of the questions you may have about workplace pensions July 2013 Page 1 of 16 About workplace pensions Q1. Is everyone being enrolled
More informationWorkplace pensions - Frequently Asked Questions
Workplace pensions - Frequently Asked Questions This leaflet answers some of the questions you may have about workplace pensions. Q1. Is everyone being enrolled into a workplace pension? Q2. When will
More informationI ve always been a grafter : Older jobseekers experiences of work and welfare Katy Jones, University of Salford
I ve always been a grafter : Older jobseekers experiences of work and welfare Katy Jones, University of Salford Paper presented at the 50th Anniversary Conference of the Social Policy Association; Social
More informationDISCUSSION PAPER PI-0511
DISCUSSION PAPER PI-0511 Employee Attitudes to Pensions: Evidence From Focus Groups Alistair Byrne and Bill Rhodes October 2005 ISSN 1367-580X The Pensions Institute Cass Business School City University
More informationFind Private Lenders Now CHAPTER 10. At Last! How To. 114 Copyright 2010 Find Private Lenders Now, LLC All Rights Reserved
CHAPTER 10 At Last! How To Structure Your Deal 114 Copyright 2010 Find Private Lenders Now, LLC All Rights Reserved 1. Terms You will need to come up with a loan-to-value that will work for your business
More informationAppendix 18f: Fineline Social Tariff Research
Appendix 18f: Fineline Social Tariff Research fineline market research Bridging the gap between you and your customers Social Tariffs Research Research Findings Contents Background & objectives Methodology
More informationTranscript - The Money Drill: Why You Should Get Covered Before You Lose Your Military Life Insurance
Transcript - The Money Drill: Why You Should Get Covered Before You Lose Your Military Life Insurance JJ: Hi. This is The Money Drill, and I'm JJ Montanaro. With the help of some great guests, I'll help
More informationClub Accounts - David Wilson Question 6.
Club Accounts - David Wilson. 2011 Question 6. Anyone familiar with Farm Accounts or Service Firms (notes for both topics are back on the webpage you found this on), will have no trouble with Club Accounts.
More informationPension Report. Retirement Reality
Pension Report Retirement Reality Exec summary The number of people saving into a pension is at a record high but the amount they are saving on average is at a record low 1. This report surveyed 2 2,010
More informationYoung women s pension planning in the UK. Dr Liam Foster
Young women s pension planning in the UK Dr Liam Foster l.foster@sheffield.ac.uk Levels of saving In the UK approximately 11 million working age individuals will receive lower retirement incomes compared
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 informationUSSLC. US Student Loan Center. Published by: US Student Loan Center W. Busch Blvd. Suite 200 Tampa, FL 33549
USSLC US Student Loan Center Published by: US Student Loan Center 2803 W. Busch Blvd. Suite 200 Tampa, FL 33549 Copyright 2017 US Student Loan Center, Inc. All Rights Reserved. May be shared with copyright
More informationHelping your loved ones. Simple steps to providing for your family and friends
Helping your loved ones Simple steps to providing for your family and friends Contents 01 How can I take control of who gets what? 02 Inheritance Tax 05 Do you know how much you re worth? 07 Making lifetime
More informationEXPLORING RETIREMENT TRANSITIONS
EXPLORING RETIREMENT TRANSITIONS A RESEARCH REPORT FROM ILC-UK AND THE UNCERTAIN FUTURES RESEARCH CONSORTIUM DECEMBER 2017 www.ilcuk.org.uk Acknowledgements This report was produced by the research team
More information00:00:24:26 Glenn Emma, can you give us a brief background into, into auto enrolment?
Time-codes Pensions 00:00:04:08 Interviewer Hello my name s Glenn Collins and I m ACCA UK s Head of Technical Advisory. Today s vodcast we re going to consider work place pension reforms. It s part of
More informationIncome Protection Benefit. How would you cope without an income?
Income Protection Benefit How would you cope without an income? Contents 3 Ensure you re ready 4 The plan - your questions answered 5 Being there for Michael when he needed us most 6 Income protection.
More informationNow I m going to ask the operator to give us instructions on how to ask a question.
Wi$e Up Teleconference Call Real Estate May 31, 2006 Questions and Answers Now I m going to ask the operator to give us instructions on how to ask a question. Angie-- Coordinator: Thank you. And at this
More informationBoom & Bust Monthly Insight Video: What the Media Won t Say About the ACA
Boom & Bust Monthly Insight Video: What the Media Won t Say About the ACA Hi, I m Rodney Johnson, co-editor of Boom & Bust and Survive & Prosper. Welcome to the February 2014 educational video. February
More informationTranscript - The Money Drill: Where and How to Invest for Your Biggest Goals in Life
Transcript - The Money Drill: Where and How to Invest for Your Biggest Goals in Life J.J.: Hi, this is "The Money Drill," and I'm J.J. Montanaro. With the help of some great guest, I'll help you find your
More informationPersonal Sick Pay. Paying you an income if you can t work because of an accident or illness
Personal Sick Pay Paying you an income if you can t work because of an accident or illness Personal Sick Pay How it works when you can t Personal Sick Pay is a type of income protection insurance which
More informationHELPING YOU PLAN A BETTER RETIREMENT
HELPING YOU PLAN A BETTER RETIREMENT HELPING YOU PLAN A BETTER RETIREMENT The small but steady progress in the number of women saving enough for later life in recent years shows that, to some extent, the
More information10 Errors to Avoid When Refinancing
10 Errors to Avoid When Refinancing I just refinanced from a 3.625% to a 3.375% 15 year fixed mortgage with Rate One (No financial relationship, but highly recommended.) If you are paying above 4% and
More informationPrioritizing Beneficiaries Under the New WIPA Service Model
Prioritizing Beneficiaries Under the New WIPA Service Model January 2016 From Module 6, Unit 1 of the 2016 WIPA Training Manual Determining Priority Level of Eligible Individuals Once you determine that
More informationUnderstanding the VA Marketplace: Expanding the Pie
: Expanding the Pie Daniel Gangemi Managing Director Market Research and Analysis There is no guarantee that any forecasts or opinions in this material will be realized. Information should not be construed
More informationFidelity Podcast: Eric Dowley, Health Savings Accounts
Fidelity Podcast: Eric Dowley, Health Savings Accounts MIKE SHAMRELL: Welcome, everyone. Thanks for joining. This is the Fidelity Podcast Series. I m your host, Mike Shamrell. Today we are joined by Eric
More informationEMPLOYEE OUTLOOK. Winter EMPLOYEE VIEWS ON WORKING LIFE FOCUS. Employee attitudes to pay and pensions
EMPLOYEE OUTLOOK EMPLOYEE VIEWS ON WORKING LIFE Winter 2016 17 FOCUS Employee attitudes to pay and pensions The CIPD is the professional body for HR and people development. The not-for-profit organisation
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 informationReaching out to renters
For financial adviser use only. Not approved for use with customers. Reaching out to renters How to write effective letters and emails to renters about the need for protection With renting on the rise,
More informationA positive outlook on auto-enrolment contributions phasing. High
A positive outlook on auto-enrolment contributions phasing High Summary UK businesses are focusing on securing the organisation s future by strengthening their competitive position, increasing revenue
More informationINS and OUTs of insurance
INS and OUTs of insurance What do other high school students know about insurance? We asked high school students about what they think about insurance. Insurance is something that will pay for medical
More informationAUTO ENROLMENT: MARKET RESEARCH FINDINGS. WORKSAVE PENSION PLAN.
AUTO ENROLMENT: MARKET RESEARCH FINDINGS. WORKSAVE PENSION PLAN. Auto enrolment represents a big change in direction for the pensions industry. Through our research, we aim to help prepare both employers
More informationExplaining risk, return and volatility. An Octopus guide
Explaining risk, return and volatility An Octopus guide Important information The value of an investment, and any income from it, can fall as well as rise. You may not get back the full amount they invest.
More informationStatement of Jennifer Wittney Horton - June 16, to take a close look at rescission so that it can understand just how damaging this practice
Statement of Jennifer Wittney Horton - June 16, 2009 Good morning ladies and gentleman. I want to start by thanking the Committee for this opportunity to testify this morning. I am very pleased that Congress
More informationNEST s research into retirement decisions
5 NEST s research into retirement decisions NEST Corporation NEST carries out a wide variety of research projects to better understand the decisions that members of our target group make, and the factors
More informationBy JW Warr
By JW Warr 1 WWW@AmericanNoteWarehouse.com JW@JWarr.com 512-308-3869 Have you ever found out something you already knew? For instance; what color is a YIELD sign? Most people will answer yellow. Well,
More informationIn this example, we cover how to discuss a sell-side divestiture transaction in investment banking interviews.
Breaking Into Wall Street Investment Banking Interview Guide Sample Deal Discussion #1 Sell-Side Divestiture Transaction Narrator: Hello everyone, and welcome to our first sample deal discussion. In this
More information5. Reviewing a Personal Budget
5. Reviewing a Personal Budget This guide is for professionals who support someone with a severe mental illness who has, or is thinking about applying for, a Personal Budget. It draws on people s real
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 informationYour fund guide. For members of Pace DC (including Additional Voluntary Contributions) Co-operative Bank Section August 2018
Your fund guide For members of Pace DC (including Additional Voluntary Contributions) Co-operative Bank Section August 2018 Welcome to your fund guide for members of Pace DC. Please read this guide together
More informationDaniel Miller, Fundrise: Yeah, thank you very much.
Crowdfunding For Real Estate With Daniel Miller of Fundrise Zoe Hughes, PrivcapRE: I m joined here today by Daniel Miller, co- founder of Fundrise, a commercial real estate crowd sourcing platform. Thank
More informationLet me turn it over now and kind of get the one of the questions that s burning in all of our minds is about Social Security and what can we expect.
Wi$e Up Webinar Catching On to Retirement September 28, 2007 Speaker 2 Diana Varela Let me turn it over now and kind of get the one of the questions that s burning in all of our minds is about Social Security
More informationFosters Construction Deryl Northcott, University of Manchester
Fosters Construction Deryl Northcott, University of Manchester Permission to reprint this case has been granted by Captus Press Inc. and the Accounting Education Resource Centre of the University of Lethbridge.
More informationInterview With IRA Expert Ed Slott
Interview With IRA Expert Ed Slott By Robert Brokamp September 2, 2010 Motley Fool s Rule Your Retirement Certified public accountant Ed Slott, the author of five books, is considered one of America's
More informationWORKPLACE PENSIONS SURVEY
WORKPLACE PENSIONS SURVEY October 2012 Contents Introduction... 2 Access to workplace pensions... 2 Auto enrolment... 3 Staying in or opting out... 4 Staying in... 6 Opting out... 8 Confidence Index...
More informationYou have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a
You have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a secure future. Tax-Free. Guaranteed Benefits. Custom-Designed.
More informationUnderstanding pensions. A guide for people living with a terminal illness and their families
Understanding pensions A guide for people living with a terminal illness and their families 2015-16 Introduction Some people find that they want to access their pension savings early when they re ill.
More information1 ANREW MARR SHOW, DAMIAN GREEN, WORK AND PENSIONS SECRETARY
1 ANDREW MARR SHOW, 21 ST MAY 2017 I/V DAMIAN GREEN WORK AND PENSIONS SECRETARY AM: Damian Green welcome. Thanks for coming in. Do you recognise this document? DG: I do. AM: Who produced it? DG: The Conservative
More informationThe Easy Picture Guide to Insurance for People Living Independently. Your Money Your Insurance
for People Living Independently Your Money Your Insurance 2 This guide is all about insurance. Insurance is something you buy to make sure if something goes wrong, you will get money to put things right.
More informationWestern Power Distribution: consumerled pension strategy
www.pwc.com Western Power Distribution: consumerled pension strategy Workstream 3: Stakeholder engagement Phase 2 Domestic and Business bill-payers focus groups October 2016 Contents Workstream overview
More informationVideo Series: How to Profit From US Real Estate for Pennies on The Dollar Without Being a Landlord or Fixing or Rehabbing Anything
Video Series: How to Profit From US Real Estate for Pennies on The Dollar Without Being a Landlord or Fixing or Rehabbing Anything Video 2 How To Get Paid View the video 2 now: http://www.tedthomas.com/video2
More informationDECISION. 1 The complainant, Ms JN, first made a complaint to the Tolling Customer Ombudsman (TCO) on 28 May 2012, as follows: 1
DECISION Background 1 The complainant, Ms JN, first made a complaint to the Tolling Customer Ombudsman (TCO) on 28 May 2012, as follows: 1 My name is [JN] govia account ****170. I live in [Town, State].
More informationKey Features of Mortgage. Protection
Key Features of Mortgage & Lifestyle Protection The Financial Services Authority is the independent financial services regulator. It requires us, LV=, to give you this important information to help you
More informationTranscript - The Money Drill: The Long and Short of Saving and Investng
Transcript - The Money Drill: The Long and Short of Saving and Investng J.J.: Hi. This is "The Money Drill," and I'm J.J. Montanaro. With the help of some great guest, I'll help you find your way through
More informationInterview: Oak Street Funding s Rick Dennen
Interview: Oak Street Funding s Rick Dennen Rick Dennen is the founder, president and CEO of Oak Street Funding. Located in Indianapolis, Indiana, Oak Street is a family of diversified financial services
More informationThe figures in the left (debit) column are all either ASSETS or EXPENSES.
Correction of Errors & Suspense Accounts. 2008 Question 7. Correction of Errors & Suspense Accounts is pretty much the only topic in Leaving Cert Accounting that requires some knowledge of how T Accounts
More informationVideo Series: How to Profit From US Real Estate for Pennies on The Dollar Without Being a Landlord or Fixing or Rehabbing Anything
Video Series: How to Profit From US Real Estate for Pennies on The Dollar Without Being a Landlord or Fixing or Rehabbing Anything Video 1 Tax Lien And Tax Deed Investment View the video 1 now: www.tedthomas.com/vid1
More informationThe Mortgage Guide. Helping you find the right mortgage for you. Brought to you by. V a
The Mortgage Guide Helping you find the right mortgage for you Brought to you by V0050713a Hello. We re the Which? Mortgage Advisers team. Buying a house is the biggest financial commitment most of us
More informationGuide to trusts. A brief guide to Trusts and our Trustbuilder tool. Trusts the basics. Settlor makes a gift to the trust
Guide to trusts A brief guide to Trusts and our Trustbuilder tool This brief guide explains some of the main features and benefits of our trusts, and gives you some information to help you decide whether
More informationGolden rules of communication. Talking about pensions with a new generation of savers
Golden rules of communication Talking about pensions with a new generation of savers 3 Talking about pensions with a new generation of savers Every employer in the UK has to provide a suitable workplace
More information1 ANDREW MARR SHOW, JOHN McDONNELL, 20 TH NOVEMBER, 2016
1 ANDREW MARR SHOW, 20 TH NOV 2016 RT HON JOHN McDONNELL AM: I m joined by one of the Queen s Privy Councillors. The former republican firebrand and now Shadow Chancellor, John McDonnell. Congratulations
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 informationCIRCULAR PLANHOLDER. Part B
GPP10002 PLANHOLDER CIRCULAR Part B This booklet contains detailed information on our offer you must read it and the rest of your pack carefully. If you need advice on the offer you should contact a financial
More informationHere are a couple of warnings to my students who may be here to get a copy of what happened on a day that you missed.
Preface Here are my online notes for my Calculus I course that I teach here at Lamar University. Despite the fact that these are my class notes, they should be accessible to anyone wanting to learn Calculus
More informationPuzzled By Pensions? Know Your Pension Rights A Guide to Auto-enrolment
Puzzled By Pensions? Know Your Pension Rights A Guide to Auto-enrolment Please note that this guide is intended to provide you with information only. Usdaw cannot provide you with independent financial
More information1.2. In light of these changes a review of both the taxi licensing policy and licence fees has been undertaken.
Subject: Taxi Fees - Report to: Licensing Committee Date: 15 February 2016 Council Date: 24 February 2016 Report by: Licensing and Elections Manager SUBJECT MATTER AND DECISIONS REQUIRED: This report informs
More informationLifestyle Financial Planning
Lifestyle Financial Planning FINANCIAL PLANNING Our Lifestyle Financial Planning Service The Mathews Comfort Lifestyle Planning Service is available to clients seeking clarity and peace of mind about their
More informationThe spending maze Try - Activities BBC British Council 2004
The spending maze Cut up the cards and put the number of each card on the back. Then give the students card 1 to read. 1. You work full-time in a computer business, TechnoZone. One day, you buy a one-euro
More informationCase study 1: Money management - Juggling different funding streams Kent Council and CCG
Case study 1: Money management - Juggling different funding streams Kent Council and CCG Introduction Integrated budgets are not new. Every council in England has, for instance, some experience of supporting
More informationTop 20 Mortgage Mistakes Home Buyers Make (and How to Avoid Them)
Top 20 Mortgage Mistakes Home Buyers Make (and How to Avoid Them) Buying a home is the biggest investment most of us will ever make. Unfortunately, it s also the greatest opportunity to make a bad decision
More informationRon Bruno. AltruaHealthShare.org
Ron Bruno AltruaHealthShare.org Caring for One Another Ron Bruno of Altrua HealthShare will explain the model of health sharing, an alternative to the traditional health insurance many can no longer afford.
More informationIntroduction 1 Key Findings 1 The Survey Retirement landscape 2
Contents Introduction 1 Key Findings 1 The Survey 1 1. Retirement landscape 2 2. Aspirations and expectations for a changing retirement 2 The UK is ranked in the middle of the AEGON Retirement Readiness
More informationGuide to Self-Invested Personal Pensions
NOVEMBER 2017 Guide to Self-Invested Personal Pensions Putting you in control of your financial future 02 GUIDE TO SELF-INVESTED PERSONAL PENSIONS Welcome Putting you in control of your financial future
More informationThat s a great point, Tom.
Income for Life What Would Happen to the Mutual Insurance Companies that Administer Our Whole Life Insurance Policies If The Stock market Had a Big Crash? Hello, everyone, Andrew Dumais here, analyst at
More informationWhat Should the Fed Do?
Peterson Perspectives Interviews on Current Topics What Should the Fed Do? Joseph E. Gagnon and Michael Mussa discuss the latest steps by the Federal Reserve to help the economy and what tools might be
More informationActivity: After the Bell Before the Curtain
Activity: After the Bell Before the Curtain Activity Objective: Students will review terms and concepts from the Stock Market Game. They will also realize that winning the SMG is not the most important
More informationTanya s Money Problem A Reading A Z Level U Leveled Book Word Count: 1,776
Tanya s Money Problem A Reading A Z Level U Leveled Book Word Count: 1,776 LEVELED BOOK U Tanya s Money Problem Written by Ned Jensen Illustrated by Arthur Lin Visit www.readinga-z.com for thousands of
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 informationA survival guide to Benefits and living together
A survival guide to Benefits and living together Making sense of the law and your rights Contents What counts as living together? 3 I m moving in with my partner 5 will I lose benefits? Would I be better
More informationHSAs: A retirement saving tool?
HSAs: A retirement saving tool? Lula Tadesse: The rapid growth of health savings accounts, or HSAs, in recent years has created more opportunities for individuals to save for retirement and other long-term
More informationSelf-Invested Personal Pensions Putting you in control of your financial future
NOVEMBER 2017 Guide to Self-Invested Personal Pensions Putting you in control of your financial future 02 GUIDE TO SELF-INVESTED PERSONAL PENSIONS GUIDE TO SELF-INVESTED PERSONAL PENSIONS Contents 02 Welcome
More informationSPECIAL REPORT. How Long Will Your Retirement Income. Last You?
SPECIAL REPORT How Long Will Your Retirement Income Last You? Introduction 1 Introduction 2 Social Security 3 Bridging the Income Gap 4 Potential Solutions 5 Conclusion As you approach retirement or if
More informationFor employees. Easy steps to your company pension
For employees Easy steps to your company pension A message on behalf of your employer If you re reading this, that s great. It means you ve taken the first step towards a better future. Your company pension
More informationYOUR pension. investment guide. It s YOUR journey It s YOUR choice. YOUR future YOUR way. November Picture yourself at retirement
YOUR pension YOUR future YOUR way November 2016 YOUR pension investment guide It s YOUR journey It s YOUR choice Picture yourself at retirement Understanding the investment basics Your investment choices
More informationECONOMICS U$A 21 ST CENTURY EDITION PROGRAM #24 FEDERAL DEFICITS Annenberg Foundation & Educational Film Center
ECONOMICS U$A 21 ST CENTURY EDITION PROGRAM #24 FEDERAL DEFICITS ECONOMICS U$A: 21 ST CENTURY EDITION PROGRAM #24 FEDERAL DEFICITS (MUSIC PLAYS) ANNOUNCER: FUNDING FOR THIS PROGRAM WAS PROVIDED BY ANNENBERG
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 informationYour guide to. Equity Release. with no obligation
Your guide to Equity Release EXPERT ADVICE with no obligation Your introduction to equity release Your retirement should give you the freedom to do all the things in life you haven t had time for. However,
More information14 Reasons Why You Shouldn t Retire Early
14 Reasons Why You Shouldn t Retire Early Early retirement is a goal for many, including physicians. An extra decade or two to travel, pursue hobbies, and volunteer becomes more and more attractive, especially
More informationYour helpful life insurance guide: Starting your career
Your helpful life insurance guide: Starting your career As you start your career, there are some important things you should know about life insurance. At Amica Life, we believe helpfulness is what life
More informationQUANTUM SALES COMPENSATION Designing Your Plan (How to Create a Winning Incentive Plan)
QUANTUM SALES COMPENSATION Designing Your Plan (How to Create a Winning Incentive Plan) Good morning, everyone. Welcome to our third installment of Master Classes on Sales Compensation Design with the
More informationWORKPLACE PENSIONS REPORT LIFE FEELS BETTER WHEN YOU HAVE A PLAN
WORKPLACE PENSIONS REPORT 2014 LIFE FEELS BETTER WHEN YOU HAVE A PLAN WORKPLACE PENSIONS ARE HAVING A POSITIVE IMPACT ON PENSION SAVINGS IN THE UK FOR A LONG TIME, BRITONS HAVE FACED WARNINGS THAT THEY
More informationDiscover How To PROTECT Yourself From the IRS In Case You Get An Income Tax Notice or Audit
Garry L. Albert CPA PC (303) 683-7171 galbert@albertcpa.com Discover How To PROTECT Yourself From the IRS In Case You Get An Income Tax Notice or Audit Sleep Better at Night Knowing You Don t Have to Pay
More informationYOUR pension. investment guide. It s YOUR journey It s YOUR choice. YOUR future YOUR way. November Picture yourself at retirement
YOUR pension YOUR future YOUR way November 2017 YOUR pension investment guide It s YOUR journey It s YOUR choice Picture yourself at retirement Understanding the investment basics Your investment choices
More informationIf you are over age 50, you get another $5,500 in catch-up contributions. Are you taking advantage of that additional amount?
Let s start this off with the obvious. I am not a certified financial planner. I am not a certified investment counselor. Anything I know about investing, I ve learned by making mistakes, not by taking
More informationyourmoney a guide to managing your credit and debt Volume 6 Life After Debt
yourmoney a guide to managing your credit and debt Volume 6 Life After Debt Call InCharge Debt Solutions today at 1-877-544-9126 or contact us at www.incharge.org Life After Debt You can do it. A life
More informationLaura's Big Day [students] Page 1 of 5. Laura s big day
Laura's Big Day [students] Page 1 of 5 Laura s big day Laura Jones has just left school and got her first job with a local company. She s very excited at earning decent money at last and is looking forward
More information