Effect of a Brief Seminar on Retirement Planning for Senior Dental Article

Effect of a Brief Seminar on Retirement Planning for Senior Dental Hygiene Students - Article Example rences in relative risk aversion, a variable that derives its theoretical relevance and explanatory power from the life-cycle hypothesis of consumption and saving (Jefferson, 2007). These studies would be a back ground in the investigation of the knowledge and attitudes of senior dental hygiene students in regard to personal financial investing and retirement planning for their future through a brief pre-test survey. However a number of literatures are available inquiring into the factors affecting the decisions differentiating consumption and saving. An individual’s holdings might be influenced by the asset holdings of other household members and thus portfolio composition appeared to be affected by factors that go beyond an innate gender difference in approaches to risk. Other relevant institutional factors might include the workplace and peer groups (Clark-Murphy and Gerrans P, 2001). In the analysis of information on pension coverage and pension plan characteristics in the 1992 and 1995 Survey of Consumer Finances, indicated that both gender and marital status affected the way individuals chose to allocate their retirement investments across different assets and the investment behavior of married men and women was significantly different from that of single men and women. (Lyons A & Yilmazer T, 2004). Studies by Sunden A & Surette B(1998) also had suggested similar impact of gender and marital status on retirement investment. Further, Lundberg and Ward-Batts (2000) had studied the effect of age and education on the saving behavior of individuals and families. The household decision taking process was further added as a factor affecting the investment decision as collective modeling study done by Lyons A & Yilmazer T (2004) assumed that whoever controlled the resources within the household had a greater impact over the financial decisions within the household However the relevance of retirement planning has been reiterated by a number of literatures

The Machinations of International Trade Essay Example | Topics and Well Written Essays - 2500 words

The Machinations of International Trade - Essay Example The UK has not ratified the Vienna Convention on Contracts for the International Sale of Goods (the Convention)2 which places the UK in an anomalous position vis-à  -vis its primary trading partners, often leading to pressure to accept the law of a contracting party that is a signatory to the Convention3. This has led to a marked difference between the approach in international trade law to contract termination and buyer remedies under the Convention, in contrast to the position under CIF and FOB contracts, where the role of documents is paramount to obligations of the trading parties4. Firstly, with regard to the certificate of origin, under CIF contracts, the part of the seller’s primary obligation is to ensure goods, deliver them to the shipping company and arrange for freight of goods5. Arguably most important is the bill of lading, which is essentially a transport document and covers movement by sea and constitutes documents of title and evidence as to who has the title, which is vital to obligations under CIF and FOB contracts6. If a bill of lading is consigned to a named party, they are known as â€Å"straight consigned†7. Moreover, bills of lading can be categorized according to the mode of transport specified under the contract8. For example, marine bills of lading cover shipment by sea and can be issued by the shipping company, captain or master of the vessel or party acting as agents for the carrier9. Alternatively, the â€Å"received for shipment† bill of lading pieces of evidence receipt of goods by the issuer, however, does not evidence that goods are en route10. Finally, â€Å"shipped on board† bills of lading constitute evidence.