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  • Sustainable Life Insurance : Managing Risk Appetite for Insurance Savings and Retirement Products
    Sustainable Life Insurance : Managing Risk Appetite for Insurance Savings and Retirement Products

    Sustainable Life Insurance: Managing Risk Appetite for Insurance Savings and Retirement Products gives an overview of all relevant aspects of traditional and non-traditional savings and retirement products from both insurers’ and policyholders’ respective risk appetites.Examples of such products include general accounts, whole life, annuities (variable, fixed and fixed indexed, structured), index-linked products, CPPI-based products, etc. The book contains technical details associated with both practice and theory, specifically related to modelling, product design, investments and risk management challenges and solutions, tailored to both insurers’ and policyholders’ perspectives. FeaturesThe book offers not only theoretical background but also concrete, cutting-edge "quick wins" across strategic and operational business axes. It will be an asset for professionals in the insurance industry, and a great teaching/learning resource for courses in risk management, insurance modelling, and more. The book highlights the operational challenges encountered across modelling, product designs and hedging.

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  • The Capitalized Retirement : How to Ensure You Won’t Outlive Your Savings
    The Capitalized Retirement : How to Ensure You Won’t Outlive Your Savings

    As someone who has been advising clients in the financial services industry since 1999, Matthew Johnson knows what he is talking about.For over two decades, Johnson has practiced the discipline of putting his clients first—a belief he inherited from his father who was also a financial advisor.Johnson knows how challenging the prospect of retirement can be for many individuals. And in The Capitalized Retirement he takes on the role of a personal advisor and walks readers through several practical ways they can maximize their retirement savings.The key is to switch from growth-oriented to income-oriented investment strategies. The number one fear most retirees face is whether they will have enough money saved for retirement.With the average life expectancy on the rise, retirees are now asking themselves this frightening question: Will I outlive my retirement?In The Capitalized Retirement Matthew Johnson shares practical insights from his several decades of experience as a financial advisor. Not only does Johnson walk readers through the basics of retirement investing, but he helps them identify the numerous pitfalls along the way.One of these includes the common myth that investing in the stock market is the only valid option for savvy investors.Based on his experience and understanding of the marketplace, Johnson helps readers understand why many financial planners do not always have their clients’ best interest at heart. And often, planners focus on incentives that might pad their own bank accounts at the expense of depleting the principals of investors. And in doing so, they’ve fallen prey to the “disease of ease” and do not have their investors’ best interests in mind. While the topic of retirement is overwhelming to many, Johnson takes on the role of personal advisor and walks readers through several practical ways they can reduce their risk and maximize their retirement "income"...the key to a stress-free retirement is having more income than you need.This book will show you how to protect your principal and make sure your principal is producing that income the right way!

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  • Your Retirement Salary : How to use your lifetime of pension savings to pay yourself an income in your retirement
    Your Retirement Salary : How to use your lifetime of pension savings to pay yourself an income in your retirement

    You have spent a few decades working, earning a salary from your employers, and saving into company and personal pensions along the way.Now, retirement is approaching. How will you turn your savings into a salary to pay for essentials and leisure time in retirement?How will you make sure that you don’t run out of money too soon?What do the UK pension freedoms mean for you? In this one-of-a-kind book, personal finance experts Richard Dyson and Richard Evans answer these questions and equip you with everything you need to know to turn your pension savings into an income that will last throughout your retirement. You will learn:-- How to take control of your pension savings by tracking down all of your pension pots and combining them. -- When you can afford to retire. -- Steps to take to avoid running out of money. -- How to build an income-paying portfolio of fund investments from scratch. -- How to withdraw a sustainable income from your portfolio. -- How annuities work and whether they have a role for you. -- How to make the most of the tax rules. -- The contribution made by the State Pension. -- When to seek professional advice.

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  • Material
    Material


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  • How can one contribute to retirement savings?

    One can contribute to retirement savings by setting up a retirement account such as a 401(k) or an Individual Retirement Account (IRA) and making regular contributions to it. It is also important to take advantage of any employer-sponsored retirement plans and contribute enough to receive any matching contributions. Additionally, one can increase their retirement savings by cutting back on unnecessary expenses and increasing their income through side hustles or investments. Regularly reviewing and adjusting one's retirement savings plan to ensure it aligns with their financial goals is also crucial.

  • What is the definition of material and post-material?

    Material refers to things that are tangible, physical, and related to basic needs such as food, shelter, and safety. Post-material, on the other hand, refers to values and concerns that go beyond basic needs and focus on issues such as self-expression, quality of life, and environmental sustainability. Post-material values are often associated with higher levels of economic development and education, as people's basic needs are met and they can focus on more abstract and aspirational goals.

  • Which piercing material?

    When choosing a piercing material, it is important to consider factors such as your skin sensitivity, the location of the piercing, and your budget. Surgical stainless steel is a popular choice for its durability and affordability, while titanium is a hypoallergenic option suitable for those with sensitive skin. For a more luxurious option, you may consider gold or platinum, but keep in mind that these materials can be more expensive. Ultimately, the best piercing material for you will depend on your individual preferences and needs.

  • Are thoughts material?

    No, thoughts are not material in the traditional sense. They are not physical objects that can be touched or seen. Thoughts are the result of complex neural activity in the brain, and while they have a real impact on our emotions and behaviors, they do not have a physical substance. However, thoughts can have material consequences when they lead to actions or decisions that have tangible effects on the world.

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  • Cracking Open the Nest Egg : How to make your retirement savings last the distance
    Cracking Open the Nest Egg : How to make your retirement savings last the distance

    Planning for retirement can be a scary thought, whether it is just around the corner or years in the future.Martin Hawes, one of New Zealand's best-known experts on personal finance, answers all of the questions that may be keeping you up at night: How much will I need to retire?Can I ever afford to stop working? How do I make sure my money lasts as long as I do?Working out how you can achieve a regular monthly retirement income is more difficult than it used to be.Historically low interest rates (despite the current blip) plus longer life expectancy means the old method of parking your nest egg in a savings account and living off the interest is no longer an option.Hawes guides you step-by-step through the planning process, showing you how you can safely create a regular income for the rest of your life. Cracking Open the Nest Egg will help you to confidently take control of your financial future and achieve the kind of retirement you always dreamed of.

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  • Marriage Material
    Marriage Material

    “In our shops we will be Kings of England. And we will make this place our place.” The Bains’ corner shop in Wolverhampton has been at the centre of the family for three generations. In 1969, Mrs Bains is balancing running the business, caring for her ailing husband and the demands of her two headstrong daughters, who each have their eye on a different kind of future. In the present day, a family tragedy pulls Arjan Bains back from a life in London. The shop represents everything he was trying to escape, but with his mother insisting it remain open, how long can he stay away? Gurpreet Kaur Bhatti (A Kind of People) adapts the critically acclaimed novel from Sathnam Sanghera (Empireland), a sweeping family portrait directed by Iqbal Khan (East Is East). Assisted PerformancesBSL Interpreted performance – 10 June 2025 – 7.30pmChilled performance – 11 June 2025 – 2.30pmAudio Described performance – 17 June 2025 – 7.30pmOpen Captioned performance – 19 June 2025 – 7.30pm

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  • Boyfriend Material
    Boyfriend Material

    "It's a fun, frothy quintessentially British romcom about a certified chaos demon and a stern brunch daddy with a heart of gold faking a relationship."-New York Times bestselling author Talia HibbertAMAZON BEST BOOK OF THE MONTHNamed a best book of the year by Oprah Magazine, Entertainment Weekly, Goodreads, The Washington Post, and more!WANTED:One (fake) boyfriendPractically perfect in every wayLuc O'Donnell is tangentially-and reluctantly-famous.His rock star parents split when he was young, and the father he's never met spent the next twenty years cruising in and out of rehab.Now that his dad's making a comeback, Luc's back in the public eye, and one compromising photo is enough to ruin everything. To clean up his image, Luc has to find a nice, normal relationship...and Oliver Blackwood is as nice and normal as they come.He's a barrister, an ethical vegetarian, and he's never inspired a moment of scandal in his life.In other words: perfect boyfriend material. Unfortunately, apart from being gay, single, and really, really in need of a date for a big event, Luc and Oliver have nothing in common.So they strike a deal to be publicity-friendly (fake) boyfriends until the dust has settled.Then they can go their separate ways and pretend it never happened. But the thing about fake-dating is that it can feel a lot like real-dating. And that's when you get used to someone. Start falling for them. Don't ever want to let them go. Discover the LGBT romance about exact opposites falling in perfectly imperfect love that New York Times and USA Today bestselling author CHRISTINA LAUREN calls "hilarious, witty, tender, and stunning."

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  • Material Properties
    Material Properties

    Material Properties, Jacob Polley's fiith collection of poems with Picador, asks what it might mean to interpret and translate wildness into human language and human understanding.The book is a multi-faceted and vital exploration of the non-human, the elemental and the borders between existences.Through poems of parenthood at a time of environmental emergency, and poetic versions of Old English riddles in which animals, objects and natural phenomena speak, the book poses essential questions about our relationship with the living world and with each other. Praise for previous work, Jackself, from T.S. Eliot Prize judges: ‘a firework of a book, inventive, exciting and outstanding in its imaginative range and depth of feeling’.

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  • Does horse insurance cover material damage as well, or only medical care?

    Horse insurance typically covers both medical care and material damage. Material damage coverage can include things like theft, loss of use, or damage to equipment such as saddles or tack. It is important to review the specific policy details to understand exactly what is covered under the insurance plan.

  • What is the difference between energy material and building material?

    Energy materials are substances that can be converted into energy, such as coal, oil, natural gas, and uranium. These materials are used to generate electricity, power vehicles, and heat buildings. On the other hand, building materials are used to construct and furnish buildings, such as wood, concrete, steel, and glass. While energy materials are used to create energy, building materials are used to create physical structures.

  • What is the difference between learning material and teaching material?

    Learning material refers to resources, such as textbooks, articles, videos, and online resources, that are used by students to acquire knowledge and understanding of a subject. Teaching material, on the other hand, refers to resources, such as lesson plans, activities, and assessments, that are used by teachers to facilitate the learning process and help students understand the material. While learning material is focused on the content and information being learned, teaching material is focused on the methods and strategies used to convey that content to students.

  • How do you calculate the material price or the material quantity?

    To calculate the material price, you multiply the cost per unit of material by the quantity of material used. This will give you the total cost of the material. To calculate the material quantity, you divide the total cost of the material by the cost per unit of material. This will give you the quantity of material used. These calculations are essential for determining the cost of materials in a project or production process.

* All prices are inclusive of VAT and, if applicable, plus shipping costs. The offer information is based on the details provided by the respective shop and is updated through automated processes. Real-time updates do not occur, so deviations can occur in individual cases.