People covered by public pensions are often the subject of 'pension envy:' that is, their benefits might seem more generous and their contributions lower than those offered by the private sector. Yet this book points out that such judgments are often inaccurate, since civil servants hold jobs with few counterparts in private industry, such as firefighters, police, judges, and teachers. Often these are riskier, dirtier, and demand more loyalty and discretion than would be required of a more...

Many older Americans today are poorly prepared to finance their retirement years, and such under-preparedness is especially acute for members of disadvantaged racial and ethnic minority groups. Black and Hispanic families, for example, have only a quarter of the amount of net private wealth (assets minus liabilities) compared to White families. Moreover, racial wealth gaps have not diminished much in the past four decades, in part because Whites tend to save more in and withdraw less from ...

He's not like anything Lana has ever encountered.Asset X: Massive, deadly, and a little terrifying to say the least. A devilish warrior, and a killer. Captured on a hellish world after attacking a military campsite and now imprisoned in a state-of-the-art cell inside one of the military's top bases, Lazris. Lana has been assigned to "study" him; to learn his secrets and gain his trust, if he is ever allowed to set foot out of his cell. As a top behaviorist, it is t...

A monumental classic, considered by many not only the greatest love story ever written but also the most outstanding family saga set during the Civil War. Margaret Mitchell's novel is a brilliantly crafted tale of love and loss, of a divided nation, and of people forever changed. A must-read for every fan of historical fiction, it is also one of the most famous novels of all time. Let yourself be swept away by the story of the beautiful and fiercely spirited Scarlett O’Hara and the confide...

Complementing the guidelines in the British National Formulary, the fourth edition of the Oxford Handbook of Clinical Pharmacy remains the indispensable guide to clinical pharmacy, providing all the information needed for practising and student pharmacists. It presents handy practical guidance in a quick-reference, bullet-point format to give the reader the knowledge and confidence needed to provide a clinical pharmacy service. Including key information on controlled drugs, advers...

All five series of the award-winning BBC Radio 4 comedy - plus World Cup, Glastonbury and Brexit Specials'Not since I first heard Alan [Partridge] have I felt so sure that I was in the presence of an immortal' Sunday TelegraphMeet Budleigh Salterton's most famous son, Giles Wemmbley Hogg: bumbling backpacker, fearless investigator of cultural diversity, connoisseur of Eastern philosophies and upper middle-class student ponce. In th...

Audiobook DescriptionHave you ever wished you could start conversations with ease, speak with confidence, and make people genuinely listen to what you have to say?Whether you struggle with small talk, feel nervous in social situations, or simply want to become a more confident communicator, How To Talk To Anyone And Make Them Listen is the practical audiobook you've been waiting for.Written by Olivia Mitchell, this inspiring guide reveals powerful, easy-to-use commun...

Around the world, people nearing and entering retirement are holding ever-greater levels of debt than in the past. This is not a benign situation, as many pre-retirees and retirees are stressed about their indebtedness. Moreover, this growth in debt among the older population may render retirees vulnerable to financial shocks, medical care bills, and changes in interest rates. Contributors to this volume explore key aspects of the rise in debt across older cohorts, drill down into the type...

Create a magical bedtime experience with our Soothing Bedtime Stories for Kids!This collection features 12 enchanting short stories designed to help kids drift into a peaceful sleep while learning essential life lessons.Each tale includes a soothing meditation, guiding your child into a state of calm and relaxation, preparing them for a restful night's sleep. These meditations are followed by captivating stories that impart valuable lessons, helping child...

This is an open access title available under the terms of a CC BY-NC-ND 4.0 International licence. It is free to read at Oxford Scholarship Online and offered as a free PDF download from OUP and selected open access locations. Notwithstanding the terrible price the world has paid in the coronavirus pandemic, the fact remains that longevity at older ages is likely to continue to rise in the medium and longer term. This volume explores how the private and public sectors can collaborate via p...

Over the last decade, behavioral research has revolutionized our understanding of financial decision-making, reshaping how we approach retirement planning. Bringing together leading scholars from economics, finance, and psychology, this volume explores the intricate relationship between human behavior and financial security in later life and uncovers innovative ways to craft retirement strategies that are both financially sound and psychologically intuitive. Across three sections, chapter ...

Many people need help planning for retirement, saving, investing, and decumulating their assets, yet financial advice is often complex, potentially conflicted, and expensive. The advent of computerized financial advice offers huge promise to make accessible a more coherent approach to financial management, one that takes into account not only clients' financial assets but also human capital, home values, and retirement pensions. Robo-advisors, or automated on-line services that use compute...