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"One of the most striking changes in the composition of household retirement savings over the past 20 years has been the shift from defined benefit to defined contribution pension plans. Understanding the factors underlying this shift is important for determining its impact on retirement saving adequacy. Yet previous research, which has mostly focused on factors affecting all firms, such as regulation or increased longevity, has yielded little consensus. In this study we estimate the contribution of changing workforce characteristics and production environments to the shift in pension coverage. Our findings suggest that, while aggregate factors explain a large part of the movement, changes in worker demand, due to evolving workforce characteristics, also contributed notably. On the supply side, we find support for the theory that technical change has reduced the value of DB plans. These supply and demand factors are particularly important for explaining the significant variation in cross-industry trends in pension coverage"--Abstract.
“There are not many people who have the consciousness of mind to realise one’s past doesn’t equal their future. In ‘Make the Shift to Success’ Bode Olowookere gives a very systematic approach to start living your life’s purpose with passion and to begin turning your life around regardless of past adversities. Read this book as if your life depends on it!” Mac Attram – Co founder & Director of Sales Partners UK and a Multi-Award winning Business coach, Trainer & Author How to get the Success You Desire & the Life You Deserve Make the shift to success today. If you want and deserve more, this book is for you. You can become successful by tapping into your life purpose and finding ways to monetize your passion. This book will help you make the transformation to success in 7 simple steps. “How did he move from being a homeless underdog with dyslexia to making the shift to success?” Find out in this Book! www.Maketheshifttosuccessbook.com
Perception is Reality: Dive into Four Mind-Bending Books on the Power of Perception Are you ready to question everything you think you know? Dive into the world of perception and reality with this box set featuring four mind-bending books that explore the idea that perception shapes our understanding of the world. "What we perceive to be reality magnifies," said Beca Lewis, and this box set of four powerful books takes that idea to the next level. In this collection, you'll delve into the intersection of spirituality and perception, discovering how our beliefs shape our experiences of the world. “Perception is not only the basis of our reality, but also an integral part of quantum physics," said physicist Neils Bohr. This box set of four powerful books explores the fascinating link between perception and quantum physics, revealing how our beliefs shape the very fabric of the universe. All four of these books will challenge your beliefs and open your mind to new possibilities. With thought-provoking ideas and fascinating insights, this box set is a must-read for anyone interested in the mysteries of the mind and the nature of reality. This box set contains: Imagination Mastery, Seven Steps To Right Thinking, Perception Mastery, Blooming Your Life
No group of American minority voters shifted allegiance more dramatically in the 1930s than Black Americans did. Up until the New Deal era, Blacks had shown their traditional loyalty to the party of Lincoln by voting overwhelmingly the Republican ticket. By the end of F.D. Roosevelt’s first administration, however, they tremendously voted the Democratic ticket. The decades long, wholesale attachment of Blacks to the party of Lincoln, with its laudable efforts to support Blacks (Emancipation Proclamation and Reconstruction) was understandable and inevitable enough. The anomaly was the massive shift by Blacks to the Democratic Party, traditionally identified with its long list of constant anti-Black and premeditated opposition to Black liberation: opposition to emancipation and Reconstruction, and with an ongoing record of all forms of racial discrimination, segregation, disfranchisement, exclusion, white primaries, and white supremacy. The transformation of the Black vote from solidly Republican to solidly Democratic did not happen instantaneously, but rather it developed over decades of maturing as a result of the amalgamated efforts of Presidents and Black leaders. The move of Black voters toward the Democratic Party was part of a nationwide trend that had occurred with the creation of the Roosevelt Coalition of1936. This national shift would make the Democrats the majority party for the next several decades including a very decisive margin of Black voters in the balance of power.
The unabridged text of Istoriia Rossii s drevneishikh vremen (History of Russia From Earliest Times), first published in St. Petersburg, 1851-1879, in 29 volumes, translated in 50 volumes from the Moscow edition of 1959-1966. Each volume is edited and translated by a scholar expert in the time and topic of the volume. Introductory essays and annotation.-publisher.
TOPICS IN THE BOOK Determinants of Maternal and Child Health Care Service Utilization among Mothers of Mount Elgon Constituency Bungoma, Kenya Factors Influencing Male Involvement in Safe Motherhood among Communities in Kwale and Kilifi in Coastal Kenya Socio-Cultural Characteristics on Male Involvement in Safe Motherhood among Communities in Kwale and Kilifi in Coastal Kenya Using Novel Nutritional Assessment Tool to Assess the Nutritional Status of the Elderly in Mazenod: The Case of Old Age Pension Scheme in Lesotho Factors Influencing Low Birth Weight (LBW) among Mother-Neonate Pairs and Associated Health Outcomes at Coast General Hospital Mombasa County Kenya Factors Influencing Health Workers’ Performance in Public Health Facilities in the Devolved System of Government: A Case of Embakasi East Sub-County, Nairobi County