A Pension for Injured Victims of the Troubles: Reparations or Reifying Victim Hierarchy?

Reparations have been often used victim-centred measures to redress both private harm and gross violations of human rights. However, with the increasing occurrence of internal armed conflict and political violence, identities of victims and perpetrators in protracted conflicts can become blurred for some individuals. In countries like Peru and Northern Ireland that have suffered protracted violence, victimhood has been contested around which individuals are seen as innocent and deserving to exclude any members of non-state armed groups from claiming reparations. This article explores the issue of a proposed bill on a pension for injured victims of the Troubles in Northern Ireland. It identifies that there is no consistent state practice or human rights jurisprudence in this area, but instead offers a more complex approach through four models that can grapple with the seeming diametrically opposed victimhood and responsibility, by including victimised-perpetrators in reparations programmes such as that proposed for a pension of seriously injured victims in Northern Ireland.

Understanding what drives the purchase decision in pension and investment products

The aims of this paper are to first seek an understanding of consumer decision-making when purchasing pension and investment products, and second to ascertain how this decision-making affects the consumer's choice of distribution route. The study employed both focus groups and postal questionnaire survey methods based on the framework of a classical decision-making model that investigated problem recognition, information search, evaluation tools used and post-purchase. The findings show that the decision-making process experience differed to a lesser or greater degree depending on the distribution route. The majority of respondents had recognised the need to make a purchase decision long before seeking information. Younger respondents on all incomes believed that they must make some pension provision for themselves as opposed to relying on the government's retirement provision. Many changed channels for information searches, but tended to settle with the Independent Financial Adviser (IFA). The two main evaluation tools for pension and investment were found to be the ‘charges’ and ‘historic fund performance’. The vast majority of respondents reiterated their worry that the outcomes would not be known until retirement. In terms of analysis by the level of ‘financial literacy’, respondents who scored in the upper quartile were more inclined to be on a higher income, less inclined to evaluate on charges and more proactive in discussing the investment strategy of their pension fund. Respondents who scored in the lower quartile had opposite results. One of the implications of these findings is that the younger respondents’ recognition of pension savings favours the government's intention to reverse the existing balance of pension distribution. The other main implication is that the findings will be of help to managers in appreciating the dominance of the IFA channel by providing an explanation of why consumers choose this route, and, additionally, can assist direct marketing managers in identifying customers who will be more likely to use multichannel or single-channel shoppers. It can also help the marketing manager increase the usage of different channels by addressing the factors driving the purchase decision and distribution choice.

Contradiction between the average age of retirement at the time of death and the average pension time for men and women in public employment in Portugal

The short article attempts to make some very brief reflections on the effects a lack of public policies positively discriminatory in terms of public employment retirement. In particular, the observation of the absurd contradiction between the average age of retirement at the time of death (for men and women) and the average pension time for men and women in public employment in Portugal.

The role of guarantees in pension plan design: Pension saving decisions

This study centers on the assessment of psychological value of guarantees in pension products and the behavior biases associated with choice. When a guarantee on a product increases from 99% to 99,5% less than half of respondents show willingness to pay in contrast with 73% when going from 99,5% to 100%. Out of 105 respondents, 55 show that their choices concerning pension products are inconsistent with classic utility theory. Financial background proves insignificant thus pointing to behavioral biases. As individuals make choices that leave them worse-off, we argue that pension plan design would highly benefit from public policy interventions.

Vente et nantissement des fonds de commerce : [lois et décrets d'application]. 1980, 1er juin (Éd. mise à jour au..)

Collection : Journal officiel de la République française ; brochure 1047

Délibération de MM. les régisseurs généraux des droits rétablis concernant la remise des fonds provenant des huiles et savons de toutes les recettes générales des provinces, à la caisse générale à Paris

[Acte. 1724-01-24. Paris]

Délibération de MM. les régisseurs généraux des droits rétablis concernant la remise des fonds de toutes les recettes générales des provinces, à la caisse générale de Paris

[Acte. 1725-06-12. Paris]

Catalogue annoté du fonds Américain

Contient les descriptions des manuscrits du fonds Américain de la Bibliothèque nationale de France

Catalogue d'une collection très importante de planches gravées en tous genres par les maîtres et artsites les plus célèbres du XVe au XIXe siècle, formant la 1re partie du fonds de commerce d'éditeur d'estampes de Mme veuve Auguste Jean, dont la vente, par cessation définitive de commerce, aura lieu... les lundi 2, mardi 3, mercredi 4 et jeudi 5 février 1846... Hôtel de ventes mobilières, place de la Bourse, 2... / Me Merlin, commissaire-priseur ; M. Vallée, expert, rue de Chartres-Saint-Honoré, n° 8...

[Vente. Art. 1846-02-02 - 1846-02-05. Paris]

Catalogue des planches gravées en tous genres par les plus célèbres graveurs du XVe au XIXe siècle, composant le fonds de commerce d'éditeur d'estampes de Mme Vve Auguste Jean. Deuxième partie dont la vente, par continuation et par suite de cessation de commerce, aura lieu les mardi 16, mercredi 17, jeudi 18 et vendredi 19 juin 1846 et le lundi suivant, 22 juin, pour les cartes géographiques... Hôtel de ventes mobilières, place de la Bourse, n° 2... / Me Merlin, commissaire-priseur ; M. J. Vallée, expert, rue de Chartres-Dt.-Honoré, 8

[Vente. Art. 1846-06-16 - 1846-06-22. Paris]