In this report the Treasury Committee makes recommendations on pensions, savings, HMRC debt recovery powers and housing. The greater flexibility and choice provided by the proposed pension reforms is welcomed. The 'guidance guarantee' is an important part of making sure that consumers benefit from increased choice. It should be measured against a set of recommended principles to ensure its effectiveness. The pensions reforms are also likely to lead to financial innovation. Following the financial crisis, and the mis-selling scandals, the reputation of the industry is under scrutiny. With regard to savings - double taxation has long been a deterrent to some forms of saving. With the enhanced flexibility for those saving there may now be scope in the long term for bringing the tax treatment of savings and pensions together to create a 'single savings' vehicle. The proposal to grant the power to HMRC to take money directly from people's bank accounts is extremely concerning. Exceptional powers such as this require prior independent oversight. With regard to housing, the Help to Buy scheme, at least in the short-to-medium term, could raise house prices. There is also the risk that withdrawal of Help to Buy may have a distorting effect on the housing market. The need to address these difficulties places a particular responsibility on the FPC, as well as the Government, for detecting and addressing the financial stability risks arising from the housing market. There are also reservations about any extension of retrospection in the tax system. Retrospection should be considered only in wholly exceptional circumstances
Reprint of the original, first published in 1875. The publishing house Anatiposi publishes historical books as reprints. Due to their age, these books may have missing pages or inferior quality. Our aim is to preserve these books and make them available to the public so that they do not get lost.
Based on an extensive series of interviews with MPs and Peers from across Parliament, the book traces the dynamics of political debate on welfare both between and within parties; assesses the emergence of a new political consensus on welfare; details the welfare policy environment and the reform of Parliament under Labour; examines the extent to which MPs support developments in welfare policy; provides the most detailed assessment to date of MPs' attitudes to welfare and their views on the future of the welfare state under Blair and beyond and offers the first consideration of the role of the reconstituted House of Lords in the scrutiny of welfare policy. Welfare policy under New Labour provides a timely examination of the role of Parliament in the policy process. It will prove invaluable to scholars and students of social policy and British politics and professionals working in social work and welfare policy. It also provides useful insights for those who wish to lobby Parliament in these fields.
Would the 'real' IRA please stand up? Why, and how, the IRA splintered. The Real IRA, the Continuity IRA, the Irish National Liberation Army, the Official IRA and the Provisional IRA have all assumed responsibility for the struggle for Irish freedom over the course of the late-20th century. Yet as recently as 1969 there was only one Irish Republican Army trying to unify Ireland using physical force., Andrew Sanders explains how and why the transition from one IRA to several IRAs occurred, analysing all the dissident factions that have emerged since the outbreak of the Northern Ireland troubles. He looks at why these groups emerged, what their respective purposes are, and why, in an era of relative peace and stability in Northern Ireland, they seek to prolong the violence that cost over 3500 lives.
Stephen Bell and Andrew Hindmoor compare banking systems in the U.S. and UK to those of Canada and Australia and explain why the system imploded in the former but not the latter. Canadian and Australian banks were able to make profits through traditional lending practices, unlike their competition-driven, risk-taking U.S. and UK counterparts.
Prize-winning British historian tells the story of the English-speaking peoples in the 20th century Winston Churchill's History of the English-Speaking Peoples ended in 1900. Andrew Roberts, Wolfson History prizewinner has been inspired by Churchill's example to write the story of the 20th century. Churchill wrote: 'Every nation or group of nations has its own tale to tell. Knowledge of the trials and struggles is necessary to all who would comprehend the problems, perils, challenges, and opportunities which confront us today 'It is in the hope that contemplation of the trials and tribulations of our forefathers may not only fortify the English-speaking peoples of today, but also play some small part in uniting the whole world, that I present this account.' As the greatest of all the trials and tribulations of the English-speaking peoples took place in the twentieth century, Roberts' book covers the four world-historical struggles in which the English-speaking peoples have been engaged - the wars against German Nationalism, Axis Fascism, Soviet Communism and now the War against Terror. But just as Churchill did in his four volumes, Roberts also deals with the cultural, social and political history of the English global diaspora.
This title was first published in 2002: A detailed and critical analysis of the various legal problems that arise when banks are in serious financial difficulty, Banks in Crisis offers an invaluable, international perspective on the concept and causes of bank failure. It takes an authoritative and much-needed look at a number of key issues including: - Effective bank regulation as an instrument in the possible prevention of banking crises, with particular reference to the role of the Financial Services Authority in the UK, and the impact of the Financial Services and Markets Act 2000 - The role of the Bank of England in the new regulatory landscape, with particular reference to its function as lender of last resort - The legal controls on those involved in the management of banks - Insolvency procedures and bank liquidation - The use of depositor protection schemes. By drawing conclusions and weighing up the methods available to promote stability, prevent failure and promote rescues where appropriate, Banks in Crisis is an essential read and a welcome addition to this crucial area of research.
Andrew W. Neal argues that while 'security' was once an anti-political 'exception' in liberal democracies - a black box of secret intelligence and military decision-making at the dark heart of the state - it has now become normalised in professional political life. This represents a direct challenge to critical security studies debates and their core assumption that security is a kind of illiberal and undemocratic 'anti-politics'. Using archival research and interviews with politicians, Neal investigates security politics from the 1980s to the present day to show how its meaning and practice have changed over time. In doing so, he develops an original reassessment of the security/politics relationship.
Widely regarded as the leading authority on voyage charters, this book is the most comprehensive and intellectually-rigorous analysis of the area, is regularly cited in court and by arbitrators, and is the go-to guide for drafting and disputing charterparty contracts. Voyage Charters provides the reader with a clause-by-clause analysis of the two major charterparty forms: the Gencon standard charterparty contract and the Asbatankvoy form. It also delivers thorough treatment of COGSA and the Hague and Hague-Visby Rules, a comparative analysis of English and United States law, and a detailed section on arbitration awards. Key features of the fourth edition: The only textbook to deal specifically with this key area of maritime law Written by an impressive team of highly-regarded maritime authorities from both sides of the Atlantic Contains a wealth of updated English and American case law and arbitrations, as well as addressing broader issues such as Rome II Regulation Convention regarding the conflict of laws Practical user-friendly guide, which is accessible not only to lawyers but also shipping professionals A new, detailed United States law section on COGSA This book is an indispensable, practical guide for both contentious and non-contentious shipping law practitioners, and postgraduate students studying this area of law.
A parliamentary scandal that dominates the headlines. The resignation of major party figures. Commentators and citizens wondering if the British government—and the people’s faith in it—will survive. Before Brexit, another major crisis rocked the foundation of government in the country: the expenses scandal of 2009. Featuring interviews with the members of parliament, journalists, and officials close to the center of the turmoil, An Extraordinary Scandal tells the story of what really happened. Andrew Walker, the tax expert who oversaw the parliamentary expenses system, and Emma Crewe, a social scientist specializing in the institutions of parliament, bring fascinating perspectives—from both inside and outside parliament—to this account. Far from attempting provide a defense of any the parties involved, An Extraordinary Scandal explains how the parliament fell out of step with the electorate and became a victim of its own remote institutional logic, growing to become at odds with an increasingly open, meritocratic society. Charting the crisis from its 1990s origins—when Westminster began, too slowly, to respond to wider societal changes—to its aftermath in 2010, the authors examine how the scandal aggravated the developing crisis of trust between the British electorate and Westminster politicians that continues to this day. Their in-depth research reveals new insight into how the expenses scandal acted as a glimpse of what was to come, and they reveal where the scandal’s legacy can be traced in the new age of mistrust and outrage, in which politicians are often unfairly vulnerable to being charged in the court of public opinion by those they represent.
This is volume 2, covering the time from Mary Stuart to James VI. In four volumes of more than 1500 combined pages the series "The History of Scotland" deals with something less than two millenniums of Scottish history. Every single volume covers a certain period in an attempt to examine the elements and forces which were imperative to the making of the Scottish people, and to record the more important events of that time.
This fifth volume of 'The Papers of Andrew Jackson' documents Jackson's retirement from the military in 1821 and his emergence as the leading presidential candidate in 1824.
Generations of scholars have meditated upon the literary devices and cultural meanings of The Song of Roland. But according to Andrew Taylor not enough attention has been given to the physical context of the manuscript itself. The original copy of The Song of Roland is actually bound with a Latin translation of the Timaeus. Textual Situations looks at this bound volume along with two other similarly bound medieval volumes to explore the manuscripts and marginalia that have been cast into shadow by the fame of adjacent texts, some of the most read medieval works. In addition to the bound volume that contains The Song of Roland, Taylor examines the volume that binds the well-known poem "Sumer is icumen in" with the Lais of Marie de France, and a volume containing the legal Decretals of Gregory IX with marginal illustrations of wayfaring life decorating its borders. Approaching the manuscript as artifact, Textual Situations suggests that medieval texts must be examined in terms of their material support—that is, literal interpretation must take into consideration the physical manuscript itself in addition to the social conventions that surround its compilation. Taylor reconstructs the circumstances of the creation of these medieval bound volumes, the settings in which they were read, inscribed, and shared, and the social and intellectual conventions surrounding them.
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