Mandatory pensions are a worldwide phenomenon. However, with fixed contribution rates, monthly benefits, and retirement ages, pension systems are not consistent with three long-run trends: declining mortality, declining fertility, and earlier retirement. Many systems need reform. This book gives an extensive nontechnical explanation of the economics of pension design. The theoretical arguments have three elements: * Pension systems have multiple objectives--consumption smoothing, insurance...

Mandatory pensions are a worldwide phenomenon. However, with fixed contribution rates, monthly benefits, and retirement ages, pension systems are not consistent with three long-run trends: declining mortality, declining fertility, and earlier retirement. Many systems need reform. This book gives an extensive nontechnical explanation of the economics of pension design. The theoretical arguments have three elements: * Pension systems have multiple objectives--consumption smoothing, insurance...

In the last decade, behavioral economics, borrowing from psychology and sociology to explain decisions inconsistent with traditional economics, has revolutionized the way economists view the world. But despite this general success, behavioral thinking has fundamentally transformed only one field of applied economics-finance. Peter Diamond and Hannu Vartiainen's Behavioral Economics and Its Applications argues that behavioral economics can have a similar impact in other fields of e...

Doctor Peter Diamond is an integrative Cardiologist who has been practicing medicine for over 45 years. A graduate of the University of Notre Dame and Loyola’s Stritch School of Medicine, he was inspired to pursue a career in medicine and writing by his physician father, who was the author of several books. His passion for integrative health care has driven his desire to share his experiences in a format that can both guide and educate patients who are seeking to improve their quality of l...

With Canadian personal savings lower than ever before and household debt going through the roof, many people are in dire need of financial advice. But can a book that includes sex, zombies, pancakes, and Star Trek really help? You might be surprised. Wealthing Like Rabbits is a fun, entertaining guide to personal finance that proves sound money management doesn’t have to be painful and neither does learning about it.Combining a unique blend of humour and perspective with e...

Unlike most retirement planning and lifestyle books that focus on investing – or at the other end of the spectrum, on how to get the senior discount on a Grand Slam Breakfast at Denny’s – this new book from Jeff Yeager, America’s favorite cheapskate, makes the compelling case that you can have a joyous, worry-free retirement by merely spending smart and focusing on what you truly want and expect out of retirement.Combining Yeager’s loveable humor and offbeat anecdotes that have gar...

“A single source for what you need to know to put your financial house in order, an impressive piece of work, and very useful.”—Bob Clark, Editor-in-Chief, Dow Jones Investment AdvisorRic Edelman, America’s most successful financial advisor, has revised and updated his classic personal finance bestseller to reflect the new global economic outlook. In his 4th edition of The Truth About Money, Edelman tells you everything you need to know about money—an essential, yet delight...

It can be scary to approach retirement and realize that youre not financially prepared. The situation doesnt get any better when you consider factors such as increasing longevity, reduced and underfunded government pensions, and increasing health needs requiring expensive insurance coverage.Author Jeremy Foxon, a shipping and logistics professional, has improved his own retirement outlook even though he started saving late. Now he shares solutions to help you boost savingsno matter...

Shopper Marketing details how marketers can influence the buying decision in-store. The 35 contributors from top companies around the world have packed the book with practical advice on shopper needs and trends, retail environments, effective packaging and much more to equip product and brand managers, packaging experts, merchandising specialists and more with the tools they need to be successful in this field of sales promotion.The second edition of Shoppe...

What exactly do Gary Toth, a 58 year-old owner of a car dealership, and young radiologist Sandra de Souza have in common? To start with, a schedule so busy they have no time to think clearly about their financial future. In the Golden Telescope, they find common ground and a lot less stress.Looking for a less stressful financial future? You'll find it between the covers of The Golden Telescope - a guide to discovering harmony and financial wellbeing for owner-managers and professio...

Today's brands face an apparent choice between two evils: continue betting on their increasingly ineffective advertising or put blind faith in the supposedly mystical power of social media, where "likes" stand in for transactions and a mass audience is maddeningly elusive. There has to be a better way . . . As Lennon and McCartney wrote a half century ago, money can't buy you love. But in today's world, where people have become desensitized-even disillusioned-by ad campaigns and marketing ...

How popular companies like Apple and Trader Joe’s project a hip, progressive image—and whether we should believe themConsumers are told that when they put on an American Apparel t-shirt, leggings, jeans, gold bra, or other item, they look hot. Not only do they look good, but they can also feel good because they are helping US workers earn a decent wage (never mind that some of those female workers have accused their boss of sexual harassment). And when sho...