A Practical Guide to Financial Services

A Practical Guide to Financial Services PDF

Author: Lien Luu

Publisher: Routledge

Published: 2021-12-27

Total Pages: 246

ISBN-13: 1000516326

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Financial services are an ever increasing part of the infrastructure of everyday life. From banking to credit, insurance to investment and mortgages to advice, we all consume financial services, and many millions globally work in the sector. Moreover, the way we consume them is changing with the growing dominance of fintech and Big Data. Yet, the part of financial services that we engage with as consumers is just the tip of a vast network of markets, institutions and regulators – and fraudsters too. Many books about financial services are designed to serve corporate finance education, focusing on capital structures, maximising shareholder value, regulatory compliance and other business-oriented topics. A Practical Guide to Financial Services: Knowledge, Opportunities and Inclusion is different: it swings the perspective towards the end-user, the customer, the essential but often overlooked participant without whom retail financial services markets would not exist. While still introducing all the key areas of financial services, it explores how the sector serves or sometimes fails to serve consumers, why consumers need protection in some areas and what form that protection takes, and how consumers can best navigate the risks and uncertainties that are inherent in financial products and services. For consumers, a greater understanding of how the financial system works is a prerequisite of ensuring that the system works for their benefit. For students of financial services – those aspiring to or those already working in the sector – understanding the consumer perspective is an essential part of becoming an effective, holistically informed and ethical member of the financial services community. A Practical Guide to Financial Services: Knowledge, Opportunities and Inclusion will equip you for both these roles. The editors and authors of A Practical Guide to Financial Services: Knowledge, Opportunities and Inclusion combine a wealth of financial services, educational and consumer-oriented practitioner experience.

Assessing Chile's Pension System: Challenges and Reform Options

Assessing Chile's Pension System: Challenges and Reform Options PDF

Author: Samuel Pienknagura

Publisher: International Monetary Fund

Published: 2021-09-10

Total Pages: 52

ISBN-13: 151359611X

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Chile’s pension system came under close scrutiny in recent years. This paper takes stock of the adequacy of the system and highlights its challenges. Chile’s defined contribution system was quite influential when introduced, and was taken as an example by other countries. However, it is now delivering low replacement rates relative to OECD peers, as its parameters did not adapt over time to changing demographics and global returns, while informality persists in the labor market. In the absence of reforms, the system’s inability to deliver adequate outcomes for a large share of participants will continue to magnify, as demographic trends and low global interest rates will continue to reduce replacement rates. In addition, recent legislation allowing for pension savings withdrawals to counter the effects from the COVID-19 pandemic, is projected to further reduce replacement rates and increase fiscal costs. A substantial improvement in replacement rates is feasible, via a reform that raises contribution rates and the retirement age, coupled with policies that increases workers’ contribution density.

The Pension Puzzle

The Pension Puzzle PDF

Author: Bruce Cohen

Publisher: John Wiley and Sons

Published: 2008-02-15

Total Pages: 238

ISBN-13: 0470156414

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An "owner's manual" for every Canadian with a pension plan. Millions of Canadians are covered by pension plans in one form or another-whether that's CPP or a company plan, or personal RRSPs. But pensions are the benefit least understood by employees. They're confusing and complex, but understanding pensions is crucial to every Canadian's financial security in retirement. Since its initial publication, The Pension Puzzle has become the definitive book on the subject. Now completely revised and updated, The Pension Puzzle remains a true owner's manual for anyone with a pension plan. The Pension Puzzle is not just for those about to retire. It's for every working Canadian who needs to make decisions about their pension plan and how it affects their financial future.

Cost-Benefit Analysis for Development

Cost-Benefit Analysis for Development PDF

Author: Asian Development Bank

Publisher: Asian Development Bank

Published: 2013-01-01

Total Pages: 385

ISBN-13: 9290929588

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The Asian Development Bank (ADB) has been continuously undertaking measures to enhance the effectiveness of its operations. To improve projects both at the preparation and implementation stages, ADB issued the Guidelines for Economic Analysis of Projects in 1997 as a means to enhancing project quality at entry. The conduct of proper economic analysis helps ensure the efficient use of development funds and public resources and thereby increase aid effectiveness. This practical guide is a supplement to the Guidelines for the Economic Analysis of Projects. It provides an overview of recent methodological developments in cost-benefit analysis as well as suggested improvements in the economic analysis of projects in selected sectors through case studies. These case studies illustrate the application of suggested methodologies, taking into account sector-specific needs, as well as difficulties faced by practitioners in terms of data and time constraints during project processing. It also aims to contribute to ADB’s capacity building initiatives as this will be the main reference material for conduct of economic analysis.

Medicine for Life: A Practical Guide for Success

Medicine for Life: A Practical Guide for Success PDF

Author: Jacques G LeBlanc M.D., F.R.C.S.C.

Publisher: Lulu.com

Published: 2015

Total Pages: 348

ISBN-13: 1483441865

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Deciding on a career path is difficult for many people. Deciding of the best university, of an interesting and challenging subspecialty, of where to get established, are just a few of the vast challenges you will face in preparing for a successful medical career. Whether you are a medical student, a resident, a family practitioner or a specialist, this book is an essential guide for many if not every facet of your medical career. It is a valuable resource because it covers a wide variety of topics such as choosing a medical school, a residency training program, a type of practice, establishing your practice, surrounding yourself with experts ( accountants, financial advisors, banker and others ), understanding the realities, challenges and up-coming changes in medical practice, preparing for retirement and retiring. Browse to the book as often as you want to refresh your memory, to look at a specific subject.

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