Showing posts with label pension annuity. Show all posts
Showing posts with label pension annuity. Show all posts

Thursday, December 1, 2011

Annuities Pros And Cons Australia

Annuities Pros And Cons Australia

April 11, 2012 : 04:20:16 : AN12050 34841 BRO
What are the pros and cons? 4 Pros n Our Pension Annuity promises to pay you a regular jetting off for a long deserved holiday in Australia. Over the years, he’s dabbled in some investments here Immediate Life Annuities are low risk, ... Get Content Here

Populations Are Aging - The Official Website Of Dr. Estelle James
Keeps most disadvantages of PAYG systems Notional interest rate and conversion factor to annuities are subject Pros and cons (Cont’d) Advantages Kazakhstan)--workers choose fund manager; but investment portfolios tightly constrained OECD model (Australia, Switzerland ... Document Viewer

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Retirement Payouts And Risks Involved
–Programmed withdrawals (pros and cons) –Annuities  All options –Denmark (private plans), Australia. 10 More complex life annuities ... Get Content Here

CORPORATE FINANCE
Australia • Canada • Mexico • Singapore • Spain • United Kingdom • United States. CONTENTS Types of Annuities 85 Pros and Cons of Discounted Payback 261 7.4 Net Present Value 262 ... Document Viewer

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PowerPoint Presentation
Mail Send a letter to the customer a post-sale Welcome Letter Internet Sales –Allianz Australia Online Sales of Short Term and Long Term To develop a direct life insurance offer to Estate conservation Funeral Expenses Payout Annuities Health Care –Medical and old age Segment ... Retrieve Content

Annuities Pros And Cons Australia Photos

Transfer UK Pension To Australia
Various pros and cons associated with this transfer. Australia are different, so if you transfer your pension income to Australia there is gain! Another benefit is that you need not purchase annuities and meaning that in ... Read Here

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This Is An Example Of Title Style - Genesys Wealth Advisers
Purchased Life Annuities 6 "A" Day Changes 6. UK Pension Transfers to Australia 7. Superannuation Funds 7. Overview 7. Leave Your Funds in the UK 8. So what happens at pension stage? 8. Pros 13. Cons 14. How can we at Pro-Active Advice and our Partners Help You? 14. ... Return Document

Social Security
Competing asset managers Sweden Chile Mexico Australia Capital Governance process ASSET MANAGEMENT Description Pros Cons via government payment channels e.g. SASSA branches Control over underlying investments used to fund annuities Government has shortage of ... Read Here

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Pensions In Asia: Potential Becomes Reality
Australia China India Japan. Enterprise Annuities in China In mainland China, employer based pension provision already exists to supplement social security benefits. although the pros and cons of pension versus other incentive ... Read Full Source

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PRINT POST : PP 349077-00157 Superannuation
Discussion of the pros and cons of this principle when it was introduced, one might suspect there wasn’t any displeasure from the Tax Office, as they faced 14 August 2012 Departing Australia super payment (DASP) data records for the 2011- ... Fetch This Document

Wednesday, October 12, 2011

Pension Annuities Changes

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Changes To Defined Benefit Pension Provision
Sovereign annuities, where purchased) will be restored for a 3 year period. Details will be announced by the Pensions Board before year end; n By 2022, schemes will need to meet the requirements of ChanGeS to DeFineD BeneFit PenSion PRoviSion. ... View Doc

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Full Circle: Purchasing Insured Annuities In A Defined ...
For pension annuities hold approximately 4 percent in equities, 87 percent in fixed income and 9 percent in other assets.) So, at what asset allocation would it make economic sense for the plan With these changes in accounting rules, ... Fetch Content

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The Future Of annuity Administration Systems In The UK
Changes to annuities in over the last decade The assumptions of the traditional annuity world were significantly challenged during the (ABI Research Paper: Pension Annuities) and there are several reasons for expecting this growth to be maintained into the near future: ... Read More

Pension Annuities Changes

Pensions: Draft Guidance On Changes To The Benefits Rules ...
The changes to the pension rules can only affect members of money purchase or cash balance arrangements. • Short-term annuities Guidance for all types of drawdown pension • Which schemes can pay me a drawdown pension? ... Read Here

Pension Annuities Changes Pictures

Public Worker Retirees Take Another Pension Hit
Some 63,000 retirees will take another 9.6 percent hit but many others won't since they are already at their "floor" ... Read News

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Notice Of Upcoming changes To McGill Annuities
McGill University Pension Plan Notice of Upcoming Changes to McGill Annuities Commencing June 1st, 2007, the basis upon which annuities are issued from the McGill University ... Read Full Source

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Pension Annuity
Pension Annuity Legal&GeneralAssuranceSocietyLimited. RegisteredinEnglandNo.166055 RegisteredOffice:OneColemanStreet,LondonEC2R5AA changes,thensowillwhatwepayasbonusesonthispolicy. k) Anybonuseswedeclaredependmainlyonhowwellourinvestmentsperformandareatour ... Return Doc

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Part V, Subpart Iii, Chapter 6. Minimum Income Widowers ...
Annuities for Certain Military Surviving Spouses (ACMSS) notification requirements when there is discontinuance of a Section 306 Pension award. the effect of income changes on MIW-SBP payment in Section 306 Pension cases. cost-of-living adjustment ... Read Here

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Cat. No. 15142B Pension PAGER/SGML And Annuity Income
W–4P Withholding Certificate for Pension or 2) Annuities for a single life. You receive definite Annuity Payments amounts at regular intervals for life. even if the amount of the payment changes.chose a joint and survivor annuity, your survivor can con- ... Fetch Content

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Money’s Worth Of Pension Annuities
Time series of UK pension annuity price quotes from 1994 to 2007 and examine whether these annuities were fairly priced over this period. The complemented by a discussion of changes in the market for annuities over the period. Methodology ... Doc Retrieval

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GIT-1, Pensions And Annuities
Changes in Exclusion Amounts The amount of pension and other income that can be excluded on the New Jersey income tax return is being increased over Annuities # and IRA b. Less N.J. Pension Exclusion.. 19b, Withdrawals # c ... Access Content

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Income And Annuity Page 1 Of 45 10:27 - 7-Jan-2013
Pension and Annuity Income For use in preparing 2012 Returns each year, even if the amount of the payment changes. The rest of each payment is taxable (however, see Insur- pealed for annuities starting after July 1, 1986), your annu- ... Read More

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Retirement Rules Changes - Annuity Rates | Best Annuities ...
Annuities. Investment income or income from Purchased Life Annuities does not count towards that for those who wish to leave their pension fund invested can do so. The changes offer greater flexibility for retirees. Author: Stacey Cavanagh ... Get Content Here

Pension Annuities Changes Pictures

Analysis Of Personal Pension Income In The Pensioners ...
This paper examines whether, if the recommended changes to definitions are accepted by users, it will acceptable to delay the change in this way. 8’, which recommended such annuities should be treated as ‘pension income’. All ... Get Content Here

Pension Annuities Changes Photos

changes To Private pensions 2010 - Investment, Pensions And ...
Annuities to be poor value for money, or perhaps prefer to wait will not be able to benefit directly from these changes but by using the pension from their pension towards the £20,000 ... Get Content Here

Pension Annuities Changes Photos

Sapiens 2012 Annual Revenue Increases 63% To $114 Million
REHOVOT, Israel, March 5, 2013 /PRNewswire/ -- Sapiens International Corporation N.V. (NASDAQ and TASE: SPNS), a provider of innovative software solutions for the financial services and a member of the ... Read News

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GIT-1, Pensions And Annuities - The Official Web Site For The ...
Changes in Exclusion Amounts The amount of pension and other income that can be excluded on the New Jersey Pensions and Annuities Rev. 12/01 9 Pension Exclusion Taxpayers who qualify may exclude all or a part of the income received during the year from tax- ... Access Document

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State Of New Jersey Teachers’ Pension And Annuity Fund
Changes in the law can only be made by an act of the State Legislature. Rules governing the operation and adminis-tration of the system may be found in Title 17, Chapters 1 and 3 of the New Jersey Pension legislation has changed the enrollment and ... Get Document

Pension Annuities Changes

Note For Information On Changes To Defined Benefit Pension ...
Note for Information on Changes to Defined Benefit Pension Provision Overview The Government has approved a number of changes to defined benefit (DB) pension provision to help (amended to give credit for the purchase of sovereign annuities) ... Read Document

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STATE OF NEW JERSEY TEACHERS’ PENSION AND ANNUITY FUND
TEACHERS’ PENSION AND ANNUITY FUND Statement of Changes in Fiduciary Net Assets 7. STATE OF NEW JERSEY TEACHERS’ PENSION AND ANNUITY FUND Notes to Financial Statements June 30, 2007 8 (Continued) (1) Description of the fund ... Document Retrieval

Pension Annuities Changes

A Guide To Pension Crystallisation Options
State pension, income from a final salary pension and annuities. If the MIR is met the rest of to changes and additional products will be introduced. Therefore, it would not be practical to provide details of the various products in this guide. ... View Document

Wednesday, June 22, 2011

Annuities Omo

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ANNUITY BUYING CHOICES AND DECISIONS (ABCD) SERIES.
Annuities provide the promise and peace of mind of an income for life, which is why they’re sometimes referred to as lifetime annuities. The Open Market Option (or OMO) is your right to shop around and buy a pension annuity from any provider. ... Read Here

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Transfer & Open Market Option Form
Please complete each of the boxes below, arrange for the annuitant to sign the completed form and send the form directly to the ceding provider. ... Content Retrieval

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Financial Services Authority Disclosure: Trading An Endowment ...
• Open market option for annuities – that policyholders of individual personal pensions must, at an appropriate time before their retirement, be informed that their annuity may be purchased from a life office other than their pension plan provider. ... Read Full Source

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Annuities Are You Throwing Away £22,000?
Annuities Are you throwing away £22,000? Benefiting from the Open Market Option Not all annuity providers are equal. So, while your pension provider may be a good place to save for retirement, that ... Get Doc

Annuities Omo

Annuities Guide
Annuities are specialised products and their purchase will require the help of an The only time that you may not have access to the OMO clause is if you have a retirement annuity contract (RAC). Research carried out by the Financial ... Document Viewer

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A Response From The Actuarial Profession To The Thoresen ...
• Annuities sold outweigh the number of income drawdown products sold by around 25 times4 • About 1/3 people take an OMO and about 50% are believed to shop around5. • Anecdotal data suggests that 70% buy annuities from the leading 5 providers and for ... Read Content

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END ZONE - CREATING AN ANNUITY SELECTION PLATFORM
23 ANNUITIES. 24 ANNUITIES C le arP thAn ysi M 0 1 By Graeme Riddoch, Director, The Open Market Annuity Service (TOMAS) New annuity platform technology is Although overall take-up of OMO is poor, the situation is at its worst in the corporate market. ... Get Content Here

Annuities Omo

Do Enhanced annuities Damage The Market?
Do enhanced annuities damage the market? 2 December 2011 Hypothetical exam question, subject Life fellowship You are the Pricing Manager of XYZ Ltd, a medium sized U.K. introduction of the open market option and growth of the Enhanced market ... Doc Viewer

Annuities Omo

Annuity Plan I Lifetime AnnuityApplication
Copy of an open market option quotation for our reference Single Life Male applicants – original birth certificate, original current passport or original photo ID driving licence Annuities Keywords: Annuity, annuities, annuity rates ... Content Retrieval

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A Review Of Retirement Information For DC Members
4.3 Take-up of the open-market option (OMO) page 14 4.4 Defined benefit schemes page 16 4.5 Review of retirement processes page 17 (OMO)? * Are the annuities being offered to members competitive and appropriate to their needs? ... View Doc

Annuities Omo

ANNUITY PURCHASING BEHAVIOUR
Pension Annuities and the Open Market Option. ABI Research Paper No. 8 (2008) ABI RESEARCH PAPER NO 23, 2010 22 3.6 Reasons behind provider choice 3.6.1 Quantitative Findings Of the 35% who shopped around but decided to purchase from their original provider, ... Access Doc

Discount Rate - Wikipedia, The Free Encyclopedia
Open market operations; Sovereign wealth fund ... Read Article

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Annuitisation Process And Consumer Detriment
Pension Annuities: Pension annuities and the Open Market Option. London: ABI ABI (2010), New business data supplied ABI (2010), How consumers go about purchasing an annuity Advisers expect variable annuity market to grow in coming years, accessed from ... Fetch Content

Annuities Omo

ANNUITIES & ACCESSIBILILITY - Pensions Institute
Typically, therefore, most advisers are prepared to sell annuities through the OMO only where the fund size would generate a commission appropriate for the work involved. This means that for individuals with funds under approximately £50,000 ... Retrieve Content

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Guide To Annuities
Annuities Do you want a pension for your spouse if you die first? Do you want your income to be level or increase with inflation? The Open Market Option (or OMO) allows someone approaching retirement to ‘shop around’ for a number of ... Get Content Here

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Do Enhanced annuities Damage The Market?
• From 2000-2007, enhanced annuities were fairly static at 8-10% of total annuity sales • A brief history lesson: introduction of the open market option and growth of the non standard market • Mortality differentials for open market annuities: ... Read More

IFA Business Opportunity - The Unique IFA Benefit - YouTube
14:43 The Power of Income with Deferred Annuities (The Accumulation Period Series) by BrokersAlliance 278 views 13:34 25. 2:42 iboru iboya ifa de ika melli angel omo ochun iwa ifa odara by babalawoawoorumila 1,300 views ... View Video

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FSA Annuities Review Welcome But Must Consider All The Issues ...
FSA Annuities Review welcome but must consider all the issues Only reviewing OMO is a missed opportunity Shopping around must focus on more than just price - need the right annuity! ... Access This Document

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Challenges & Strategies For The UK Annuity Providers
Conventional annuities space. In this context, the white paper takes a look at the challenges (Open Market Option), they purchase the annuity from the same provider with whom they had the pension arrangement. ... Fetch Doc

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Campaign for Better Annuities In relation to the “Open Market Option” Slide 2 – “A lot has been done but there is a lot more to do” 283,000 contracts in 2008 did not use the OMO and they missed out. You will see that best standard ... View This Document

Annuities Omo

Best Practice For Annuity Distribution Alistair Byrne ...
The open market option Members of DC pension schemes approaching the point of retirement will usually be offered by their The annuities experts interviewed in the Pensions Institute research pointed out that for the OMO process ... Retrieve Document

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The Annuities Market - Home - HM Treasury
Annuities market is working efficiently, and that consumers understand the choices open to them. Only around half of people take up the so-called “open market option” (OMO) of shopping around for their annuity to get the best deal. ... Content Retrieval

Friday, May 27, 2011

Annuities Pension

Annuities Pension Images

Annuities - Heriot-Watt University Edinburgh | Undergraduate ...
Annuities ANGUS S. MACDONALD Volume 1, pp. 73–75 In Encyclopedia Of Actuarial Science (ISBN 0-470-84676-3) Edited by they are alive, of which a pension is an example. In actuarial mathematics, however, an ‘annuity’ has a much more general meaning. ... Fetch Document

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WITHHOLDING FROM PENSIONS, ANNUITIES, AND CERTAIN OTHER ...
Pensions, annuities, and other deferred income as described in Section 3405 of the Internal Revenue Code tax is to be withheld from pension recipients who reside outside of California. To determine a payee’s state of residence, the payer may ... Retrieve Here

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New Jersey Division Of Taxation AX Pensions And Annuities OPICS
AX OPICS New Jersey Division of Taxation Bulletin GIT-1 Rev. 1/95 T Pensions and Annuities General Information Pension and annuity income is taxable and must ... Fetch Here

Annuities Pension

Older Americans’ Ambivalence Toward Annuities: Results Of ...
Older Americans’ Ambivalence Toward Annuities . AARP Public Policy Institute. Research Report. Results . of an AARP Survey of Pension Plan and IRA Distribution Choices ... Access This Document

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Just Retirement Pension Annuity Application Form
Just Retirement Pension Annuity Application Form You should make sure you’ve read the Key Features Document and the Terms of the Just Retirement Pension Annuity before you apply. About this Application Form This form is an application for a pension annuity with ... Read More

Annuities Pension

Report Recommends Changes For Multiemployer Pension Plans
Proposals from industry-union panel could help shape future legislation. ... Read News

Annuities Pension

Your Guide
Annuities, from A to Z 7 Introducing Mr. Dlamini 8 Single life guaranteed annuities 10 pension payable to Mr. Dlamini would Mrs. Dlamini get after his death? The usual reversionary percentages are 50%, 75% or 100%, but it could be anything, ... Fetch Content

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Verification Of Pension And Annuities - Locating New Page....
VERIFICATION OF PENSION AND ANNUITIES (Name of HOME Participating Jurisdiction) AUTHORIZATION: Federal Regulations require us to verify Pension and Annuities ... Doc Retrieval

Annuities. What Are Annuities?
Understanding the math behind Annuities. Learn how to do the math for annuities. ... Read Article

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4924, Withholding Certificate For Michigan Pension Or Annuity ...
Michigan Department of Treasury 4924 (Rev. 01-12) MI W-4P Withholding Certificate for Michigan Pension or Annuity Payments INSTRUCTIONS: Use Form MI W-4P to notify administrators of the correct amount of Michigan income tax to withhold from your pension ... Read Content

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Gifts Of Retirement Funds: RRSPs, RRIFs, Annuities And ...
Gifts of Retirement Funds: RRSPs, RRIFs, Annuities and Pension Assets Many individuals have, as part of their retirement plan, tax-deferred instruments such as ... Read Here

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Key Features Of The Just Retirement Pension Annuity
Pension annuities, please discuss them with your financial intermediary. How will it work for me? We have enclosed a personal quotation with this Key Features Document. This shows how much income you might expect to receive based on an assumed value of your ... Access Doc

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Lifetime Annuity And Scheme P Ension
Pension scheme, it will be the scheme that decides who will receive the payment. ¥ W e and for enhanced annuities the confirmation schedule or any other medical information we rely upon, makes the legally binding contract between you and us. 8246 Ð 311R ... Read Full Source

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Private Pension Annuities In Chile
Private Pension Annuities in Chile 1 Private Pension Annuities in Chile by Estelle James NCPA Policy Report No. 271 December 2004 ISBN #1-56808-140-5 ... Access Doc

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Guaranteed Annunity Calculator
Guaranteed Annuities The right to receive payments under a pension or retirement annuity or under a purchased life annuity can end when the person receiving them dies. ... Fetch Document

Locked-In Retirement Account - Wikipedia, The Free Encyclopedia
3 Converting to LIF/LRIF/PRIF or Life Annuities; 4 Pension Legislation; 5 Difference between LIRAs and LRSPs; 6 References; 7 External links; Meaning of Locked-In. The distinction between a LIRA/LRSP and an RRSP is that, where RRSPs can be cashed in at any time, a LIRA/LRSP cannot. ... Read Article

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Life Insurance, Annuities And Pension Center Of Excellence Flyer
CENTER OF EXCELLENCE LEADING EDGE FORUM | CENTERS OF EXCELLENCE CSC’s Centers of Excellence help clients explore state-of-the-art solutions with ... View Full Source

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VERIFICATION OF: Pension And Annuities - Locating New Page....
(Name of HOME Participating Jurisdiction) AUTHORIZATION: Federal Regulations require us to verify Pension and Annuities Income of all members of the household applying for participation in the HOME Program which we operate and to reexamine this income periodically. ... Document Retrieval

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Income Tax - Pension/Annuity Subtraction - Colorado.gov: The ...
• pension or annuity income that is not considered a premature distribution, and • reported on the federal return as taxable IRA distributions, pension and annuities, or Social security benefits (lines 15b, 16b, or 20b of 2006 federal form 1040, lines ... Read More

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Annuities And Other Lifetime Income Products: Their Current ...
Annuities and Other Lifetime Income Products: Their Current and Future Role in Retirement Security declining role of the traditional pension and increasing life expectancy are leaving more and more Americans with limited ... Visit Document

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Old Mutual Corporate With-Profit Annuities
2012 PENSION INCREASES Pensions OptiPlus | Platinum Pension | Platinum Pension 2003 Old Mutual Corporate With-Profit Annuities Performance Report 2012 ... Document Viewer

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Department for Work and Pensions Research Report No 563 Money’s Worth of Pension Annuities Edmund Cannon and Ian Tonks A report of research carried out by Department of Economics, University of ... Read Content