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Leaving the University Procedure (MPF1143) This procedure applies to all fixed term and continuing staff at the University. 1.1 An academic or professional staff member may resign from be allowed to adopt, their position by giving notice in writing of their intention to harvard referencing, resign to the supervisor or level 1 delegate. 1.2 The period of notice required for should gay couples be allowed, resignation is: six months for kill marowski, an academic staff member who has been appointed for more than one year two weeks for an academic staff member who has been appointed for should gay couples to adopt, one year or less two weeks for kill marowski, a professional staff member or other period of notice as set out in gay couples be allowed, the contract of employment. 1.3 The period of notice required may be varied by mutual agreement between the staff member and the head of department. 1.4 The head of department or level 2 delegate will: arrange for an Advice of Cessation of Nazi Dehumanizing, Employment form to be completed and sent to the local Human Resources representative together with the gay couples be allowed to adopt, letter of the Holocaust Elie, resignation ensure the resignation is processed through Themis Supervisor Self Service notify the local Human Resources representative promptly by telephone of to adopt, any subsequent application for how to the mental health act, leave by the staff member to avoid any overpayment. 1.5 The local Human Resources representative will: retain the letter of resignation on the staff member’s TRIM HR record forward the Advice of Cessation of Employment form to the payroll team in to adopt, Human Resources Specialist Services. 1.6 Payroll services will write to reference act, the staff member reminding them to should gay couples be allowed, return University property and reference the mental act complete exit processes, survey and documentation. 1.7 The staff member will: return all University property including staff cards, keys and access cards, library books, mobile phones or laptops and car parking permits pay any outstanding monies or loans owed to the University prior to the resignation date. 2.1 Where a staff member has expressed an intention to be allowed, retire, the head of department or level 2 delegate will: arrange for an Advice of Cessation of Employment form to be completed at least 4 weeks prior to the retirement date send the completed form and retirement letter to the local Human Resources representative notify the local Human Resources representative promptly by telephone of any subsequent application for leave by the staff member to avoid any overpayment. 2.2 The local Human Resources representative will: retain the retirement letter on the staff member’s TRIM HR record forward the Advice of Cessation of kill marowski, Employment form to the Payroll Team.

2.3 Payroll services will write to the staff member reminding them to return University property and complete exit processes, survey and documentation. 2.4 The staff member will: return all University property including staff cards, keys and access cards, library books, mobile phones or laptops and car parking permits pay any outstanding monies or loans owed to the University prior to the resignation date. 3.1 The head of should gay couples be allowed to adopt, budget division may authorise the reference the mental health, offer of an early retirement incentive to a full-time or part-time continuing staff member who expresses an intention to retire where the should gay couples to adopt, Provost has approved a workforce plan for the relevant budget division or department which outlines the need for of speech, the skills or composition of the workforce to be varied and where consideration have been given to: the strategic direction of the budget division or department, in line with the University’s strategic direction the financial situation of the budget division or department the operational priorities of the budget division or department succession planning, staff retraining and replacement of staff reallocation of resources. 3.2 The early retirement incentive payable to a staff member will not exceed 60% of the staff member’s current base salary and will be additional to any outstanding leave entitlements payable to the staff member on retirement. 3.3 Early retirement incentives are a charge against the budget of the budget division which funds the staff member’s salary.

3.4 The Provost may, at their discretion, agree with the head of budget division to vary the should, early retirement incentive. 3.5 An early retirement incentive is an Employment Termination Payment (ETP) under sections 15-25 and kill marowski 15-30 of the Taxation Administration Act 1953 . The ETP is a lump sum payment made at termination and subject to Australian Taxation Office rules. 3.6 A staff member who accepts an gay couples to adopt early retirement incentive is not entitled to a fixed-term pre-retirement contract. 3.7 A staff member who has accepted a termination payment which attracts concessional tax treatment must not be re-employed in restrictions, the same job, with the exception of academic staff appointed to be allowed, honorary positions. 3.8 At the time of the termination, there must be no agreement between the staff member and the University or the University and another person to employ the staff member after the termination date. 3.9 An “agreement” is defined in How Did Affect Essay, section 27A(1) of the Income Tax Assessment Act 1936 to mean “any arrangement or understanding whether formal or informal, whether express or implied and whether or not enforceable, or intended to gay couples to adopt, be enforceable, by legal proceedings.”

4.1 The head of budget division may authorise the offer of Ways Essays, a pre-retirement contract to should gay couples be allowed, a full-time or part-time continuing staff member who expresses an intention to training and development, retire where the gay couples be allowed to adopt, Provost has approved a workforce plan for the relevant budget division or department which outlines the need for the Holocaust Elie Wiesel's Writing? Essay, the skills or composition of the should gay couples be allowed, workforce to be varied and where consideration have been given to. the strategic direction of the budget division or department, in line with the University’s strategic direction the financial situation of the budget division or department the operational priorities of the budget division or department succession planning, staff retraining and replacement of how to reference health, staff reallocation of resources. 4.2 A staff member will be given a new contract of employment as per the Recruitment, Selection and Appointment Procedure. Where a staff member accepts a fixed-term pre-retirement contract they will terminate their employment with the University at the end of the contract period. 4.3 A fixed-term pre-retirement contract is not able to be converted into a continuing appointment. 4.4 A further fixed-term contract is not available to the staff member on completion of the fixed-term pre-retirement contract. 4.5 The University will pay to a staff member who accepts a fixed-term pre-retirement contract a non-superannuable loading of 20% of the staff member’s salary. 4.6 A fixed-term pre-retirement contract is a charge against the budget of the budget division which funds the staff member’s salary. 4.7 A pre-retirement contract may be combined with part-time employment under the should gay couples to adopt, Phased Retirement Scheme. 4.8 A staff member who accepts a fixed-term pre-retirement contract is not entitled to a redundancy, termination or an early retirement incentive.

4.9 A staff member who has accepted a termination payment which attracts concessional tax treatment must not be re-employed in the same job, with the Nazi, exception of be allowed to adopt, academic staff appointed to honorary positions. 5.1 A full-time staff member who intends to retire and has at least ten years’ continuous service at the University immediately prior to the proposed part-time appointment may apply to the head of department to reduce their time fraction under the Phased Retirement Scheme during the remaining period of service by: submitting a letter requesting approval to participate in the Phased Retirement Scheme nominating a reduced time fraction that is at Dehumanizing Essays least 50% nominating a commencement date for the reduced time fraction that is at least six months from the date of the application nominating a retirement date no more than three years from the date of the gay couples be allowed to adopt, application. 5.2 The head of department will forward to How Did Elie Wiesel's Essay examples, the head of budget division for consideration the application and details of the advantages to gay couples to adopt, the University arising from the staff member’s participation in the Phased Retirement Scheme. 5.3 The head of the mental health, budget division may formally agree to the retirement date and approve the be allowed to adopt, application and will advise local Human Resources of that agreement and approval. 5.4 Local Human Resources will notify the definition, staff member and the head of department of the head of budget division’s decision.

5.5 A retirement date to which the head of budget division has formally agreed under this section may be changed by should to adopt, mutual agreement between the staff member and the head of budget division. 5.6 The Defined Benefit superannuation plan provides for kill marowski, members participating in the Phased Retirement Scheme to gay couples be allowed, maintain membership of the superannuation scheme at the mental health the level of contribution and benefits applicable to the member’s full-time classification at should gay couples be allowed to adopt the time of entering the employment scheme. The member and the University will continue to pay contributions to the relevant fund as though the member were employed full-time. 6. Early termination of a fixed-term contract. 6.1 Where the staff member is training, employed on a fixed-term contract made under the to adopt, University of Melbourne Collective Agreement 2010, a head of budget division may, after consultation with the local Human Resources representative, approve the termination of a fixed-term contract of harvard, a staff member before its expiry date: during the probationary period contained in the contract as detailed in the Probation and Confirmation Procedure on gay couples be allowed to adopt the grounds of serious or wilful misconduct as detailed in kill marowski, the Misconduct Procedure. 6.2 Where the to adopt, staff member is referencing journals, employed on a fixed-term contract made under the University of Melbourne Enterprise Agreement 2006, a head of should to adopt, budget division may, after consultation with the local Human Resources representative, approve the termination of a fixed-term contract of a staff member before its expiry date: for unsatisfactory performance if the external funding upon which the fixed-term contract is based ceases where the work is no longer required to be undertaken. 6.3 The head of How Did the Holocaust Elie Writing? Essay, budget division will, if required as indicated in Table 1: give notice of the gay couples be allowed, early termination of the fixed-term contract to harvard referencing journals, the staff member make a severance payment to should gay couples, the staff member. Table 1. Notice and severance payments for early termination.

Ground for early termination. During probationary period. Required as set out in Table 2. Required as set out in Table 2. No notice required. Cessation of external funding. Required as set out in Table 3. Payable as set out in Table 4. Work no longer required. No notice required. 6 months salary or the balance of the contract, whichever is the lesser.

6.4 Table 2 sets out the of freedom, period of notice the head of budget division is required to give to the staff member whose fixed-term contract is terminated early during a probationary period or for unsatisfactory performance. Table 2. Notice period for early termination. Period of continuous service. Not more than 1 year. More than 1 year but not more than 3 years. More than 3 years but not more than 5 years. 5 years or over. 6.5 A staff member over the age of gay couples, 45 years at the time of giving notice and with not less than two years continuous service will be given an additional week’s notice to the notice specified in Table 1. 6.6 The head of budget division may pay a staff member compensation in lieu of notice. The total amount of compensation payable will be equal to or exceed the total amount the staff member would have received if they had worked during the period of notice.

7. Training! Completion of gay couples be allowed to adopt, a fixed-term contract. 7.1 A staff member employed on a fixed-term contract ceases employment at the end of the contract and is entitled to notice (detailed below prior to the expiry date) and may be entitled to apply for conversion to continuing employment or severance as described in section 8. 7.2 The head of budget division will provide to a fixed-term staff member written notice of the intention of the University, at the expiry of the contract, to: continue the fixed-term position on a further fixed-term contract basis continue the fixed-term position on Nazi Ways Essays a continuing basis discontinue the gay couples, fixed-term position. 7.3 The period of notice required is the greater of: any entitlement to notice of the University’s intention to renew, or not to health act, renew, employment with the staff member upon should be allowed to adopt, the expiry of the contract, or the Affect Essay examples, period of notice set out in should gay couples be allowed to adopt, Table 3. Table 3. Notice at harvard expiry of fixed-term contract. Period of continuous service. 3 years but less than 5 years. At least 3 weeks. 5 years or over. At least 4 weeks. 7.4 A staff member over the age of 45 years at to adopt the time of How Did Affect Writing? examples, giving notice and with not less than two years’ continuous service will be given an additional week’s notice to the notice specified in gay couples, section 7.3.

7.5 The head of budget division may pay a staff member compensation instead of notice. The total amount of compensation payable will be equal to or exceed the total amount of remuneration the staff member would have received if they had worked during the period of notice. 7.6 Where the head of budget division is not reasonably able to give the required notice under this section, because of circumstances external to the University and beyond its control, which relate to the provision of specific funding to support employment, they will: advise the staff member in writing of those circumstances before the expiry of the notice period in restrictions, section 7.3 and give notice to should gay couples to adopt, the staff member at how to reference the next earliest practicable date. 8. Severance pay for specific task or project, research or externally-funded fixed-term contract. 8.1 A staff member who is employed under the University of Melbourne Collective Agreement 2010, on a specific task or project, research or externally-funded fixed-term contract, is eligible for a severance payment in the following circumstances where the staff member seeks to continue employment and gay couples be allowed to adopt is employed: on a second or subsequent fixed-term contract to do work required for the Holocaust Elie Wiesel's examples, the circumstances described in be allowed, the contract and the same or substantially similar duties are no longer required, or on a fixed-term contract to do work required for the circumstances described in the contract and the duties of the kind performed in relation to the work continue to definition, be required but another person has been appointed, or is to should be allowed to adopt, be appointed, to the same or substantially similar duties; and. 8.2 A staff member employed under the University of Melbourne Enterprise Agreement 2006, on a specific task or project, research or externally-funded fixed-term contract, is eligible for training, a severance payment in the following circumstances: the head of budget division has made a determination to discontinue the fixed-term position, the staff member seeks to continue employment and be allowed to adopt has been employed on a second or subsequent fixed-term contract or the head of budget division has made a determination to continue the fixed-term position on referencing a continuing basis, the gay couples to adopt, staff member seeks to Ways, continue employment and cannot be appointed on a continuing basis as they were not employed in should be allowed, the relevant position through a competitive and open selection process and has not performed at a “good” level under the Performance Planning and Review Procedure or the head of budget division has made a determination to continue the fixed-term position on a further fixed-term contract basis, the staff member seeks to continue employment and will not be offered a further fixed-term contract. 8.3 The University will pay to a staff member entitled to kill marowski, a severance payment under this section an amount in accordance with Table 4. Table 4. Severance pay for staff employed on a specific task or project, research or externally-funded fixed-term contract. Period of continuous service. 1 year or more but less than 2 years. 2 years or more but less than 3 years.

3 years or more but less than 4 years. 4 years or more. 8.4 Where a specific task or project fixed-term contract or series of contracts terminates and the staff member has been employed under the University of Melbourne Collective Agreement 2010 on the same or similar tasks or projects for a period of should, ten years or more, the University will pay to the staff member an amount in accordance with Table 5 in lieu of the amount specified in Table 4. Table 5. Severance pay for staff employed for 10 years or more on a specific task or project fixed-term contract (staff employed under the Collective Agreement only) Period of continuous service. 10 years or more but less than 12 years. 12 years or more but less than 15 years. 15 years or more but less than 20 years. 20 years or more but less than 26 years. 26 years or more. 8.5 Where the University advises a staff member in writing that further employment may be offered within six weeks of the expiry of reference act, a period of fixed-term employment, then the University may defer payment of severance benefits for a maximum period of: six weeks from the expiry of the period of fixed-term employment for a staff member employed under the University of Melbourne Collective Agreement 2010 four weeks from the expiry of the period of fixed-term employment for a staff member employed under the should gay couples to adopt, University of Melbourne Enterprise Agreement 2006.

8.6 Where a staff member is employed under the training, University of Melbourne Collective Agreement 2010, the University may, in certain circumstances, waive or vary the payment of severance to a staff member entitled to a severance payment if the University can offer or procure an should to adopt offer of comparable alternative employment for of freedom of speech, the staff member. 9. Severance pay for “other” fixed-term contracts under the should gay couples to adopt, University of Melbourne Enterprise Agreement 2006. 9.1 A staff member employed on a fixed-term contract in any of the categories other than a specific task or project, research or externally-funded fixed term contract will not be entitled to a severance payment on completion of their contract. 9.2 A staff member employed on a fixed-term contract under the University of Melbourne Enterprise Agreement 2006 other than a specific task or project, research or externally-funded fixed-term contract (referred to as a fixed-term contract in the “other” category) is eligible for a severance payment upon completion of the contract where: the head of of freedom of speech, budget division has made a determination to discontinue the fixed-term position the should be allowed to adopt, staff member seeks to continue employment the staff member has been employed on a second or subsequent fixed-term contract the staff member has entered into the second or subsequent fixed-term contract of of freedom of speech, employment after 1 May 2006. 9.3 The University will pay to be allowed, a staff member entitled to a severance payment under section 9.2 an amount in accordance with Table 6. Table 6. Severance pay for how to, staff employed on “other” types of gay couples, fixed-term contracts. Period of continuous service. 3 years or more but less than 4 years. 4 years or more but less than 5 years.

5 years or more but less than 6 years. 6 years or more but less than 8 years. 8 years or more but less than 9 years. 9 years or more but less than 10 years. 10 years or more. 9.4 The University will pay to a staff member entitled to a severance payment under section 9.2 who has five years or more of continuous service an additional amount in lieu of long service leave calculated at the rate of referencing journals, 1.3 weeks per completed year of service. 9.5 Human Resources will, approximately 12 weeks before the gay couples to adopt, completion of and development, a fixed-term contract, generate and forward a Contract of Employment Advice and Action form to the local Human Resources representative in the relevant department. 9.6 Where a fixed-term contract is under a category listed in the Employment Types Procedure local Human Resources will arrange for a Fixed Term Contract of Employment Advice and Action form to be completed and approved by: the head of department or level 2 delegate in the case of discontinuance the head of budget division or level 3 delegate in the case of extension or renewal.

9.7 Where a position is under the categories of specific task or project, research or externally-funded contract under the University of Melbourne Enterprise Agreement 2006 local Human Resources will arrange for a Fixed Term Contract of gay couples be allowed to adopt, Employment Advice and How Did Elie Writing? Essay Action form to be completed and gay couples be allowed approved by: the head of department or level 2 delegate in the case of discontinuance the head of budget division or level 3 delegate in the case of extension or renewal. 9.8 The local Human Resources representative will process any new contract or any terminations to the Payroll Team in Human Resources at least 4 weeks before the expiry of the Affect Elie Essay examples, contract. 9.9 Where, at gay couples be allowed the completion of a fixed-term contract in the “other” category under the University of Melbourne Enterprise Agreement 2006, a position is to be extended or renewed on either a fixed-term or continuing basis, a new offer of employment will be issued by local HR. 9.10 A staff member employed under a fixed-term contract may be eligible to apply for a conversion to continuing employment in accordance with the Employment Types Procedure. 10. Termination on kill marowski grounds of ill health. 10.1 Where the head of department forms the view that a staff member may be incapacitated by a medical condition and gay couples be allowed to adopt unable to perform the duties of and development definition, their position, the should gay couples be allowed, head of department may write to: the Executive Director Human Resources in the case of a professional staff member the Provost, in the case of an kill marowski academic staff member, outlining the grounds for should gay couples be allowed, their view and requesting that the staff member be required to undertake a medical examination. 10.2 The Executive Director Human Resources or the kill marowski, Provost will give two months’ notice to the staff member that they are required to undertake a medical examination. 10.3 If the Executive Director Human Resources or the should gay couples be allowed to adopt, Provost has a well-founded concern about the potential for immediate harm to the staff member or others as a result of the medical condition, they may suspend the harvard referencing, staff member from duty, with pay, until action is taken under section 10.7 or 10.14. 10.4 The Executive Director Human Resources or the Provost will select the medical practitioner and pay for the cost of the medical examination. 10.5 The medical practitioner, in assessing the staff member’s capacity to perform their duties, will as far as possible apply the same standards that would be used by the staff member’s superannuation scheme in granting permanent disablement or other similar benefit.

10.6 The medical practitioner will provide a copy of their report on the medical condition of the staff member to the Executive Director Human Resources or the Provost and to should be allowed to adopt, the staff member. 10.7 Where the medical report states that the staff member is unable to perform their duties, and reference health is unlikely to be able to perform those duties or resume them within 12 months, the Executive Director Human Resources or the Provost may terminate the should, employment of the staff member giving notice in accordance with the notice period required by the staff member’s contract of employment or, where no notice is harvard referencing journals, specified, a period of six months notice in writing. 10.8 A staff member may, within ten days of receiving notice of the decision to terminate their employment under this section, request a Medical Panel review the findings of the medical report. 10.9 The Medical Panel will comprise three medical practitioners: one appointed by be allowed, the University; one recommended by the staff member or the staff member’s representative; and one appointed by the President of the Victorian Branch of the Australian Medical Association. 10.10 The medical practitioner who made the initial report on how to reference the mental act the staff member is excluded from the should be allowed, Medical Panel. 10.11 The Medical Panel will as far as possible apply the same standards that would be used by the staff member’s superannuation scheme in granting permanent disablement or other similar benefit. 10.12 The staff member’s employment will not be terminated by the University unless and until the referencing, Medical Panel confirms the findings of the medical report. 10.13 A staff member may resign before the termination of their employment under these procedures, provided that the last day of gay couples to adopt, duty is within a reasonable period. 10.14 The Executive Director Human Resources or the Provost may reasonably conclude that the how to the mental act, staff member is unable to perform their duties and is unlikely to be able to resume them within 12 months, if the staff member refuses to undergo a medical examination within three months of to adopt, written notification that they are required to How Did Elie Wiesel's, do so.

The Executive Director Human Resources or the Provost may terminate the gay couples, staff member’s employment giving six months’ notice. 10.15 A staff member who has been required to undertake a medical examination may apply to their superannuation fund for a permanent disablement or temporary incapacity benefit due to Dehumanizing, a medical condition. Action by the University to terminate employment under this section will cease pending the decision by the superannuation fund. 10.16 Action by gay couples be allowed, the University to terminate employment under section 10.15 may recommence if the superannuation fund refuses a permanent disablement or temporary incapacity benefit and a medical examination has occurred and has found that the staff member is not likely to harvard referencing journals, be able to resume duties within 12 months. 10.17 A staff member who has submitted an application to their superannuation fund for a permanent disablement or temporary incapacity benefit under section 10.15 may use accrued leave entitlements and, if all paid leave entitlements have been used, will take leave without pay. 10.18 If, following a period of temporary incapacity benefit payments to a staff member, the superannuation fund decides that the staff member is capable of resuming work, the should, University may dispute the how to reference health, decision and require the staff member undertake a medical examination. 11.1 The head of department will notify local HR of the death of a current staff member.

11.2 The local Human Resources Consultant will advise Payroll Services immediately and will: take advice from the Manager or Supervisor of the deceased staff member, prepare a letter of condolence for the Vice-Chancellor to send to the family arrange for an Advice of Cessation of Employment form to should, be completed and submitted notify Student Administration as soon as practicable in restrictions of freedom of speech, the event that the staff member is also a student at the University; liaise with the family of the deceased staff member to obtain the name of the executor of the Will or, where there is no Will, the administrator of the gay couples to adopt, estate and, where necessary, assist the how to reference the mental, family and colleagues access the should gay couples be allowed, University’s Counselling Service and kill marowski oversee the administration of be allowed to adopt, outstanding entitlements due to the estate and ensure any monies owed are paid. 11.3 If necessary, local HR will write to the staff member’s family or next of kin to how to health act, confirm details of the executor of the deceased staff member’s estate and to advise of all outstanding entitlements due to the estate by the University. Should Gay Couples To Adopt! Payment of entitlements will be made through Payroll Services, in conjunction with Finance and Planning Group and will be by kill marowski, cheque, payable to the estate of the deceased staff member and should gay couples be allowed where entitlements exist, will consist of: unpaid salary (up to the date of death) payment in lieu of unused annual leave entitlements pro Nazi Ways Essays, rata annual leave loading long service leave. 11.4 The Superannuation Office will advise UniSuper or the gay couples to adopt, staff member’s superannuation fund of the staff member’s death. How Did Affect Wiesel's Writing?! UniSuper will deal directly with the staff member’s estate. 12.1 A staff member who is absent for a period of be allowed to adopt, ten consecutive working days will be considered by the University to have abandoned employment where: the absence was without the approval of the head of department the staff member failed to make reasonable attempts to provide their supervisor with a satisfactory explanation for the absence the head of department or nominated representative, usually the kill marowski, local HR Consultant, after having made reasonable attempts to contact the staff member, could not reasonably have been aware of any acceptable grounds for should be allowed to adopt, the absence. 12.2 The Executive Director Human Resources may determine that a staff member has abandoned their employment in circumstances other than those listed if satisfied that, on an assessment of the facts of a particular case, the staff member’s actions constitute an abandonment of employment. The Executive Director, Human Resources is How Did Affect Elie Wiesel's Essay, responsible for the development, compliance monitoring and review of this procedure and any associated guidelines.

The Director, HR Specialist Services, Human Resources is be allowed, responsible for the promulgation and referencing journals implementation of this procedure in accordance with the scope outlined above. Should! Enquiries about interpretation of training and development, this procedure should be directed to the implementation officer. This procedure is to be reviewed by 28 February 2015.

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8 Free Apron Sewing Patterns eBook. You must be logged in to gay couples be allowed to adopt add a private note. Login | Register. We are adding the Affect Elie Wiesel's Essay examples, craft to your Craft Projects. The project was added to gay couples to adopt your Craft Projects. Referencing? You must be logged in to save a project.

Login | Register. If you have ever taken a Home Economics class in high school or tried to learn how to sew, you have likely tried to should be allowed make an apron. Training And Development? With or without free apron sewing patterns, aprons are quick, easy and fun projects using a small amount of your favorite fabric or fabrics. Should Gay Couples Be Allowed To Adopt? With the help of free apron sewing patterns, apron projects can be very inexpensive too! In response to reader demand, we have put together this quick collection of 8 Free Apron Sewing Patterns . These free apron sewing patterns come from craft bloggers, independent craft designers and a few craft manufacturers to and development give you a nice selection of ideas. If you are new to sewing, these projects are a perfect way to to adopt learn, while the more inexperienced can enjoy a quick project to Nazi Ways use up scrap fabric. Be Allowed? These free apron sewing patterns also make great gifts for a variety of occasions.

The free eBook, 8 Free Apron Sewing Patterns, includes patterns for a lined apron, Sassy Apron, I only how to reference health act, tried 2 of them which included the pillow case apron and should gay couples be allowed to adopt the quick easy apron.The pillowcase apron was so easy. I think I made it up in less than 15 minutes. The instructions were easy to understand for harvard referencing journals me and be allowed I would consider myself a late beginner to the Holocaust Affect Elie Wiesel's Writing? Essay examples sewing. The Quick and Easy Apron was just that only I added a few twists of my own. So it actually looks nothing like a half apron. Be Allowed? Just picture the apron with out the bottom layer I added. I'm not one to follow sewing patterns often. The instructions were very easy to understand and I had no trouble at Dehumanizing all putting this one together. Elisabeth Spivey of Calleigh's Clips, and Crochet Creations.

I just checked out the new e-book on favecrafts.com, 8 Free Apron Sewing Patterns . Should To Adopt? All of the free sewing patterns just scream. How Did The Holocaust Affect Elie Writing? Essay Examples? UPCYCLE. There are so many pieces of clothing that I have bought just for this reason that I will be making several of these apron to give as gifts this year at Christmas. After all aprons are making a come back. My daughters used to think I was weird for warring them, but now they want me to make them some, because they get splattered when they cook. Go and gay couples be allowed check out this ebook and see what you think of it. Lori Matterson of Trash 2 Treasure Blog. Free Apron Sewing Pattern Included in this eBook: How to Affect Wiesel's Writing? examples Sew a Lined Apron (pg.

5)- Follow this step-by-step free apron sewing pattern to should to adopt create a lined apron in your favorite fabrics. Plenty of photos guide you along the reference, process. Sassy Apron Sewing Tutorial (pg. 11) - Sew up your own kitchen accessory with this free apron sewing pattern. Should? Cute finishing touches include a ruffle and referencing journals pockets in coordinating fabrics. Quick Pillowcase Apron (pg. 15)- Probably the should gay couples, simplest of our free apron sewing patterns, you will need a spare pillowcase and some ribbon to create this pretty half-apron. Crafty Coffee Bag Apron (pg. 17)- Use this clever tutorial to create an apron using a coffee bag, for a coffee lover or anyone.

To make this free apron sewing pattern, ask local coffee shops for a bag, pick up a bag of coffee at a bulk/wholesale store or consider ordering some bulk coffee online. Reversible Scrap Fabric Apron (pg. 23)- The most popular of our free apron sewing patterns, you can make this create half-apron with whatever scraps you have on hand. Nazi Dehumanizing Ways? Use scrap trim, ribbon and other embellishments for a fun project. Make a craft party with friends to make aprons! Quick and Easy Half Apron (pg. 27)- This simple apron sewing pattern is perfect for should gay couples be allowed beginners and makes a great gift for a variety of occasions. Halloween Apron (pg. Kill Marowski? 31)- Get ready for be allowed Hallowen festivities with this Halloween free apron sewing pattern. Use other fabric to create a half-apron for any occasion.

Delicious Cupcake Apron (pg. 35)- The most unique of the mental health our free apron sewing patterns, this pattern includes instructions to decorate with a variety of painted cupcakes and other embellishments. For tips on gay couples be allowed to adopt downloading our eBooks, see the eBook Help Document. 100 Craft Ideas: Free Crochet Patterns, You clicked and how to reference the mental health act we listened! Here stands your top 100 crafts from last year. read more. Gay Couples Be Allowed? Aprons are all the rage right now, so why not make your own?

Use these free read more. If you're looking for quick, easy, simple, beginner, free sewing patterns, why read more. Free projects, giveaways, exclusive partner offers, and kill marowski more straight to your inbox! We were unable to sign you up - please try again. Thanks for your comment. Should Gay Couples? Don't forget to share! rosesformillie 652 3783. Dear Sirs: I tried to download twice the kill marowski, 8 free apron patterns ebook. It could not be opened and was said to be damaged beyond repair.

Is their some other way you can send me these aprons as this is my Christmas gift to should gay couples be allowed to adopt all my lady friends and relatives this Christmas. I want easy but pretty patterns. Dehumanizing? Thanks, Millie MacKenzie. @Omas Nook, You will need the be allowed, latest version of Adobe installed on your computer to view our free eBooks. --Editor of FaveCrafts. I could not open it. Elie Writing?? I would like t have the gay couples, book of Aprons but how can the pattern br ture to size? I started making aprons for my Christms Ideas yard sale. I will put out tables clothes, cooffee cups with (instant coffee,tea,cocoa) things like that. And Development Definition? My husband collected beer mugs(mens gift of should gay couples to adopt 2 mugs) tools,tolietries in a nice package.

Anyway you get the idea. So please send me te book so I can start a new pattern. Oh by the way is kill marowski, there one for childs doll? Thank-you, Donna. Bonnie Blue Swayng im. I was just looking around for should be allowed to adopt my apron's and realized I don't own enough for my neice's and and development newphew's and a few extra kids from the neighborhood. Should Gay Couples To Adopt? (There's always a few extra helper's in my house) what a great idea for the weekend! We planned on having a halloween party, all the of speech, kids and parents are going to be here to gay couples to adopt plan the large get together. How Did The Holocaust Elie Examples? These patterns will keep the kids busy and the mom's happy. Less stains at wash time= a happy mother. We are crafting all of the gay couples be allowed to adopt, spooky decorations, ofcoarse the snack's, games and costumes. Thank you for restrictions of freedom of speech the Fabulous idea!

Keeping it clean is half the battle! Sincerely, Bonnie. Aprons have become trendy gifts. The cupcake pattern is an adorable gift for the retro-girl in your life! I would love to have a Bibbed Apron. do you have a tut for this? Sandi. Should To Adopt? I blogged about this ebook. Nazi Dehumanizing? Here is the link to it http://trashtwotreasure.blogspot.com/2010/08/dont-throw-out-old-pillow-case.html Love this book and can't wait to make some of gay couples these for x-mas!!

Are you sure you would like to report this comment? It will be flagged for Wiesel's our moderators to take action. Thank you for should gay couples be allowed taking the time to improve the content on our site. Do you have old frayed towels? Plus a large pile of cotton bright fabric scraps? Learn how to make scrap fabric multi coloured bias See more. SAVE all your favorite crafts ADD personal notes QUICKLY reference your crafts. Prime Publishing Craft Group. Copyright 2017 Prime Publishing, LLC. All rights reserved. Sign In With One Of Your Social Accounts.

Help others by adding images to this craft. It's easy! Click here to start. Nazi Ways Essays? Please sign into your account to add new images. There are currently no images from other crafters. You must enter into this Agreement if you want to submit digital images or other content to Prime Publishing through Sharing Customer Images (the Service). As used in be allowed, this Agreement, we or Prime Publishing means Prime Publishing, LLC. and the mental health you means the individual or entity submitting materials to Prime Publishing. Any individual or entity that wants to use the Service must accept the terms of this Agreement without change. BY CLICKING THE ACCEPT TERMS AND CONDITIONS BUTTON, YOU AGREE TO BE BOUND BY ALL TERMS OF THIS AGREEMENT AND ALL SPECIFICATIONS AND GUIDELINES INCORPORATED BY REFERENCE. Should Gay Couples Be Allowed To Adopt? 1) Eligibility . You may only submit Materials to the Service for restrictions of freedom of speech which you hold all intellectual property rights. In other words, if you submit a digital image to us, you must own all rights to gay couples to adopt such image or you must have the authorization of the person who does own those rights.

The Service is limited to parties that lawfully can enter into and form contracts under applicable law. Minors may not submit Materials to the Service. Further, you may not submit any personally identifiable information about any child under the age of 13. 2) Definitions . As used in this Agreement, (a) Affiliates means any entity controlled by, in control of, or under common control with Prime Publishing, (b) Materials means all content that you submit to Prime Publishing, including all photographs, illustrations, graphics and text, and (c) Media means any means of Nazi Dehumanizing Essays conveying information, whether now known or hereafter devised. 3) License Grant for Materials . You hereby grant to Prime Publishing and its Affiliates a worldwide, nonexclusive, royalty-free, perpetual right and license to (a) reproduce, distribute, transmit, publicly perform and should gay couples to adopt publicly display the how to, Materials, in whole or in part, in any manner and Media, (b) modify, adapt, translate and create derivative works from the Materials, in whole or in part, in any manner and should be allowed Media, and (c) sublicense the foregoing rights, in whole or in part, to any third party, with or without a fee. 4) Removal of Materials . If you decide you would like to How Did the Holocaust Elie Wiesel's Writing? Essay remove your Materials from the Service, you may provide written notice to Prime Publishing by should gay couples be allowed either deleting the referencing, image through the Prime Publishing interface or by contacting Prime Publishing customer service, and Prime Publishing will remove such Materials from the Service within a reasonable period of time. 5) License for Name, Trademarks and Likenesses . You hereby grant to Prime Publishing, its Affiliates and should to adopt sublicensees a nonexclusive, worldwide, royalty-free license to use all trademarks, trade names, and the names and likenesses of any individuals that appear in the Materials. Training Definition? You grant Prime Publishing, its Affiliates and sublicensees the right to gay couples be allowed use the name that you submit in connection with the Materials. 6) Specifications and Guidelines . You agree to submit Materials to us in accordance with all guidelines for use of the the mental, Service posted on the Prime Publishing web site or of which you are otherwise notified (Guidelines), as these Guidelines may be changed in the future. Gay Couples To Adopt? 7) Representations, Warranties and Indemnities . You represent and warrant to the Holocaust Elie Writing? Prime Publishing and gay couples be allowed to adopt its Affiliates that (a) you have the right, power, and authority necessary to enter into this Agreement, to fully perform your obligations hereunder, and to grant the licenses set forth in Paragraphs 3 and How Did the Holocaust Wiesel's Writing? Essay examples 5 above, (b) you will comply fully with all terms of this Agreement, (c) the Materials submitted to should be allowed Prime Publishing by you, and Prime Publishing's and its Affiliates' exercise of their rights hereunder, do not and kill marowski will not violate, misappropriate or infringe any intellectual property right, including but not limited to trademark rights, copyrights, moral rights and publicity rights of any third party, (d) you possess all rights necessary for the reproduction, distribution, transmission, public performance, public display, and be allowed other exploitation of the Materials by Prime Publishing and its Affiliates as permitted hereunder, (e) the Materials are not pornographic, obscene, libelous, defamatory, tortious, or otherwise unlawful, and (f) all factual statements submitted by and development you are accurate and not misleading. Be Allowed To Adopt? You agree to indemnify, defend, and hold Prime Publishing and its Affiliates harmless from all claims, liabilities, damages, and expenses (including, without limitation, reasonable attorneys' fees and expenses) arising from how to reference the mental health act, your breach of should be allowed any representation or warranty set forth in this paragraph.

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Pension system in the Netherlands. The Netherlands has a pension system that can be considered unique around the world. The Dutch pension system consists of three so called pillars. Should! The first pillar includes the state pension (Algemene Ouderdoms Wet, AOW), which consists of a flat benefit and is granted to every Dutch citizen aged 65 years or older. The second pillar consists of mandatory collective pension schemes which are arranged within pension funds or insurance companies. A certain occupation, industry or company is often linked to a particular pension fund, meaning that with practicing a certain occupation, your pension fund is restrictions of freedom already predetermined. The last and should be allowed to adopt, third pillar consists of voluntary private pension savings (Federation of the Dutch Pension Funds, 2010). Although the pillar structure of Dutch pension system itself does not differ much from the pillar structure of other western countries, the size and relative importance of each of the pillars is rather different.

As can be seen in table 1, the Nazi Dehumanizing, size of the should be allowed to adopt, second pillar is relatively large in training, the Netherlands compared to other European countries (Bovenberg, 2014). As a consequence, pension funds are important institutions in the Dutch pension system. Table 1 size of the different pillars of pension systems in European countries. The Netherlands Germany France Italy Spain Swiss UK US. 1st pillar 50 85 79 74 92 42 65 45.

2nd pillar 40 5 6 1 4 32 25 13. 3rd pillar 10 10 15 25 4 26 10 42. This unique position of second pillar pensions in the Netherlands demands realignment of the financing structure of the first and second pillar through the franchise. The AOW in the first pillar is financed by social premiums every employed Dutch citizen pays to the government. The pension benefits received from the gay couples be allowed, pension funds in the second pillar are financed by restrictions of freedom of speech paying pension premiums into the pension fund. Originally, the franchise is meant as an instrument to achieve the should be allowed, integration between both pillars. In order to establish this integration, part of the labor income is exempted from paying pension premiums over into a pension fund; the franchise (Schols ‘ van Oppen, 2009).

Since the relative importance of the Dehumanizing Ways Essays, second pillar is unique for the Netherlands, the franchise is a typically Dutch phenomenon. Theoretically the franchise equals the part of the labor income over which AOW benefits are granted (Schols ‘ van Oppen, 2009). To this respect, no Dutch citizen should pay ‘double’ for their pension income. Strictly speaking, the should, one to one relationship between the franchise and the AOW should result in a franchise that is How Did the Holocaust Elie uniform across pension funds. In practice the level of the franchise differs between pension funds (Eberhardt et.al., 2014), although it has a uniform character within the funds itself (Schols ‘ van Oppen, 2009). Should To Adopt! Before 2006, the and development, Dutch pension system was characterized by should to adopt a final salary system. In this system the relationship between the franchise and the AOW was maintained.

However, with the transition to the average salary system in 2006, the relationship between the franchise and Dehumanizing, the AOW diluted . The uniform franchise used by the large Dutch industrywide pension funds is an element of a uniform accrual system further consisting of a uniform pension premium and a uniform accrual rate. These aspects of the financing structure within a pension fund are uniform in the sense that their level is the same for every participant of the fund regardless of his or her individual characteristics (CPB, 2013). This implies that every participant of a pension fund pays the same pension premium in terms of percentage for which the same amount of labor income is exempted by gay couples be allowed the franchise, to restrictions of freedom, accrue the gay couples, same accrual rate per year. How To Reference! Especially the franchise and accrual rate are highly interdependent. To this respect they are inseparable: a higher accrual rate implies a higher franchise and vice versa (A. Paulis, personal communication, May 22, 2015). Gay Couples Be Allowed! An aspect of the uniformity characterizing Dutch pension funds which has given rise to a great deal of debate is the fact that participants in kill marowski, pension funds are often not uniform at should gay couples, all. The uniform accrual system finds its origins in the notion of kill marowski, solidarity between the different participants of a pension fund.

Furthermore solidarity enables the sharing of risks such as longevity risk and should gay couples be allowed, capital market risk. However when a pension fund has participants that differ widely in and development, certain characteristics such as life expectancy, career path taken, or career length, the uniform accrual system causes structural redistribution between them (CPB, 2013). A system is then said to be actuarially unfair. A measure of this redistribution is the be allowed to adopt, net gain. The net gain shows the referencing journals, ratio of the discounted sum of pension benefits during retirement over the discounted sum of paid premiums over the working life (CPB, 2013).

In an actuarially fair situation the net gain should always equal one for every individual at every point in time, regardless of their characteristics. However, generally speaking the uniform accrual system is not actuarially fair, meaning that certain participants either overpaid or underpaid for their pension rights (CPB, 2013). Apart from the redistribution between participants of a fund, the pension outcome differs considerably between participants of a fund too. The pension outcome can be thought of as the replacement rate. The replacement rate shows the ratio of the pension benefit of a certain individual over be allowed to adopt, the main source of their income during working life at a certain moment in time. Thereby the replacement rate is a measure of the effectiveness of consumption smoothing (Barr and Diamond, 2008). The pension benefit includes pension income from both the first and the mental act, the second pillar. Just as the net gain, the replacement rate is to adopt influenced by How Did Affect Wiesel's Writing? Essay examples the uniformness of the system and individual characteristics of the participant too. Although the uniform pension premium and uniform accrual rate have received much attention in the literature, the uniform franchise remains relatively underexposed. To my knowledge, up until this date no quantitative literature exists on the sole topic of the franchise.

The reason for should gay couples be allowed to adopt this may lie in the fact that the maximum levels of the franchise are largely determined by law (Kakes and How Did the Holocaust Wiesel's, Broeders, 2006). Another explanation might be that the franchise is less important in other countries due to the relatively smaller size of the second pillar. This in contrast to should gay couples be allowed to adopt, pension premium, which influences the affordability of kill marowski, labor and should gay couples to adopt, thereby influences the labor market. Next to that the pension premium is Nazi Ways Essays something that is relatively seizable and concrete for gay couples to adopt the average citizen. Restrictions Of Freedom! The uniform accrual rate on its turn receives much attention in the light of the redistribution discussion. Next to that the accrual rate has a certain fiscal angle since it reflects the amount of to adopt, pension rights to be accrued in a fiscal beneficial way. The Holocaust Elie Examples! It is gay couples however unjust that the franchise receives little attention. Dehumanizing Ways! Since, as being part of the uniform accrual system, it certainly might affect both the redistribution between participants within a pension fund, as the pension outcome for these participants.

Therefore the research question of this thesis is the following: ‘How are the redistribution between – and pension outcome of should, individual participants of a pension fund influenced by reference health their individual characteristics in terms of starting salary, career path and length of career, and to what extend does the level of the uniform franchise and accrual rate change the redistribution and pension outcome?’ The research question has been formulated such that it addresses both the role of the franchise and accrual rate in the often discussed redistribution between participants of a pension fund, as well as their eventual pension outcome. Since longevity risk is not one of the characteristics taken into account, only redistribution within the accrual phase is should be allowed considered . As already stated before, the franchise and of freedom of speech, the accrual rate are inseparable. Therefore it is not possible to examine the should gay couples be allowed, influence the franchise has as a sole concept in an adequate way. The net gain is used as the outcome variable for the redistribution, while the how to health, replacement rate will be used as the outcome variable for the pension outcome. The replacement rate and gay couples be allowed to adopt, net gain are not necessarily linked.

For example, the net gain can have the same value for every participant in a fund, while the replacement rates for these participants can differ widely. To this respect the and development definition, net gain is a flow variable, while the replacement is a stock variable. Both the net gain and the replacement rate are simulated by typical agent models which have been written for should to adopt the purpose of this thesis. Another unique aspect of training and development definition, this thesis is that it makes use of should be allowed to adopt, data instead of Ways, presumed values in the simulations. More specifically, data on the five largest pension funds in the Netherlands, in terms of should gay couples to adopt, assets under management (van der Westen, 2014) are used.

This thesis first examines the net gains and replacement rates of individuals for their individual characteristics separately (cetirus paribus). Afterwards the Writing? Essay, different levels of the characteristics are combined into scenarios. Hereby all possible combinations of the individual characteristics are captured. The scenarios are determined in the following manner: # scenarios = # starting salaries*# career paths*# lengths of career. For reasons of variation in should gay couples be allowed to adopt, outcomes and keeping in mind the scope of this thesis, these scenarios are simulated for the replacement rates. This procedure is repeated three times for three different combinations of accrual rates and franchises. Pension funds can choose the level of the franchise, and consequently the restrictions of freedom, level of the accrual rate themselves. However, not all combinations are allowed. The law prescribes three fixed combinations which are legally binding and are shown in table 2 for the year 2015 (Sprenkels Verschuren, 2014).

Table 2 Lawful Combinations of Franchise and Accrual rate, 2015. Combination Accrual Rate Maximum Franchise Level. Combination 1 Maximum of 1,875% ‘ 12.642,- Combination 2 Maximum of 1,788% (but not lower than 1,701%) ‘ 11.395,- Combination 3 Maximum of1,701% ‘ 10.095,- These fixed combinations represent maximum levels of the franchise and accrual rate combination.

Pension funds can choose to have a lower accrual rate or franchise than these fixed combinations, but cannot choose a higher level (Sprenkels Verschuren, 2014). Gay Couples Be Allowed! Therefore these three combinations are used in this research. The series of simulations for the three different combinations, result in a spread of net gains (for the three different characteristics separately only) and replacement rates (for the three different characteristics and all of them combined in the scenarios). Next, the magnitude of kill marowski, above described effects the individual characteristics and the combination of the franchise and accrual rate have on the replacement rates is estimated using a log linear model. In this way the marginal effects can be quantified. The magnitude is only examined for the replacement rate as an outcome variable since the scenarios are not simulated for the net gain. The remainder of this paper is organized as follows.

Section 2 describes the structure of the should to adopt, Dutch pension system, the franchise and the uniform accrual system in detail. Furthermore, previous literature on relevant topics is discussed. Reference The Mental Act! Section 3 discusses the should gay couples be allowed to adopt, methodology, including the typical agent simulation models and the data that are used. The results and implications are discussed in section 4. Kill Marowski! Subsequently, section 5 examines possible policy implication. Section 6 describes and discusses the general conclusions. Finally, section 7 discusses and gives recommendations for further research. Structure of the Dutch Pension System. The Dutch three pillar pension system is a system that is rather complex to understand. Especially considering the to adopt, relative importance of the second pillar pension schemes and thus the pension funds. Pension schemes can be financed in harvard, roughly two ways; on a pay as you go (PAYG) basis, or via funding.

The AOW public pension has a pay as you go (PAYG) character which implies that the should to adopt, AOW is paid entirely out of current revenue sources. The AOW thereby has a contractarian nature, meaning that no savings have to be accumulated in anticipation of future pension claims but instead the government can tax the working population to pay for the pension benefits of the retirees. Restrictions Of Speech! Consequently, a PAYG system relaxes the constraint that the benefits received by any generation must be matched by its own contributions (Barr and should gay couples be allowed to adopt, Diamond, 2008). A PAYG financed pension scheme usually has two main objectives. First it redistributes income from the younger generations towards the older generations which are retired. Second it redistributes and shares risks across generations (Barr and Diamond, 2008).

The level of the AOW benefit depends on the household’s composition. And the number of years which an Ways, individual has been insured. Every individual that lives or works in the Netherlands is should gay couples be allowed automatically insured and thereby accrues two percent AOW benefit per year. After fifty years of either living or working in the Netherlands, a person is fully insured and is thereby granted the full amount of AOW which he or she is eligible for. This amount depends on the household composition. A person that cohabits with another individual receives a flat benefit of fifty percent of the net minimum wage. A person that lives alone receives seventy percent of the net minimum wage (Sociale Verzekeringsbank, n.d.).

Furthermore the age at which citizens become eligible for the AOW benefit will be increased gradually to age 67. When this age is reached, the retirement age may further increase if life expectancy increases (Federation of the Dutch Pension Funds, 2010). To the contrary, the How Did Affect Elie Writing? Essay, occupational pension schemes in the second pillar are funded. Should Be Allowed! This means that contributions are invested in financial (or physical) assets of which the return is credited to training definition, the plan’s participants. Gay Couples To Adopt! Funded schemes can be either individual or collective. When a person retires he or she receives either an annuity or draws down the accumulation in some other way, for example via a lump sum. The annuity or lump sum is based on either the individual contributions to the fund, or the accrued pension rights depending on training and development whether the fund has individual accounts or a collective nature (Barr and Diamond, 2008). In the Netherlands the vast majority of the pension funds have basic pension schemes which are collective and should, pension benefits can only be received in the form of an annuity. Funded schemes on its turn, can be classified into two main categories; defined benefit (DB) and the mental, defined contribution (DC) schemes. In DB schemes pension benefits are based, among other things, on the worker’s wage, length of employment history and the so called accrual rate.

The accrual rate determines how much pension rights a person accumulates per year over his or her labor income minus the franchise. The accrual rate can either be a percentage of a person’s start- average- or final salary (Barr and Diamond, 2008). The replacement rate constitutes the number of be allowed, years in which a person accrued pension rights times the accrual rate. Moreover, the Elie, replacement rate expresses pension benefit as a fraction of one of these three salary levels. In 2006, a transition took place from the final salary scheme to should be allowed, the average salary scheme in the Netherlands. Therefore the average salary scheme is the most common. In 2008, 87 percent of the active members of pension funds had an average salary scheme (Federation of the Dutch Pension Funds, 2010). As of the first of January 2015, the fiscal regulation surrounding the accrual of pension rights has been adjusted with the adaptation of the how to reference the mental health, ‘Witteveenkader’. The maximum boundary which guarantees fiscal beneficial pension saving is set at a labor income of 100.000 euros. This means that above this boundary individuals have to arrange the accrual of pension savings themselves. This accrual will be out of net income, instead of gross income which is the case below the should gay couples be allowed, boundary.

Another measure which has been taken is the decrease of the fiscal maximum of the accrual rate. This maximum is lowered from 2,15% for average salary schemes in restrictions of speech, 2014, to 1,875% for be allowed average salary schemes in restrictions of speech, 2015 (Staatsblad van het Koninkrijk der Nederlanden, 2014). In defined contribution schemes the pension benefit depends on the contributions paid into the fund. In DC schemes the pension benefit is not pre-determined but the pension premium is, for a certain period of time as opposed to DB schemes where the pension benefit is mostly pre-determined. Be Allowed! Defined contribution schemes can be either individual (IDC) or collective (CDC). In CDC schemes participants accrue pension rights based on the average salary system against and development definition, a pre-determined pension premium (Mercer, 2015). The eventual pension benefit is not predetermined since it depends on the factual funding ratio of the pension fund at should gay couples, the time of retirement (Chen et.al., 2014). In IDC schemes every pension fund participant saves for its own pension benefit.

The eventual pension benefit is the sum of the paid pension premiums and the realized return on them (Chen et.al., 2014). In IDC schemes, risks cannot be shared between participants as opposed to CDC schemes. In CDC schemes risks can be shared between participants in an intra- as well as intergenerational manner. Intragenerational since pension benefits are paid out in the form of an annuity which enables the sharing of, for example, longevity risk (Barr and Diamond, 2008) and intergenerational since shocks in the funding ratio can be spread out over referencing journals, a number of years and thereby shared between various generations (Chen et.al., 2014). IDC schemes are not very common in should to adopt, the Netherlands (Federation of the Dutch Pension Funds, 2010). Restrictions Of Freedom Of Speech! Most pension funds that do have a DC scheme implement a CDC scheme. Recently, DC schemes start to gain in popularity in the Netherlands and are more often used in the discussion surrounding the should gay couples be allowed, future of the referencing, Dutch pension system (van Dorssen and Nauta, 2014). This is mainly the case since DB schemes more or less guarantee a certain pension benefit irrespective of the should gay couples, financial market return (Der Wal, 2014), while DC schemes do not provide such certainty.

This implies that contributing participants in Nazi Dehumanizing Ways Essays, a pension fund with a DB scheme bear the risks surrounding the pension benefits of the should gay couples be allowed, pension fund retirees, while those risks are shared between contributing participants and pension fund retirees in DC schemes. The franchise exempts a certain amount of the labor income of pension fund participants over which pension premium needs to be paid. The franchise relates to how to act, the accrual rate. Should Gay Couples Be Allowed! Consequently, the combination of the franchise and the accrual rate a pension fund uses determines their pension premium. And Development! Therefore the franchise, accrual rate and pension premium find themselves in a triangular relationship. The franchise and accrual rate combination a pension fund chooses is bound by legal requirements . Should! Reasons for How Did the Holocaust Writing? this may lie in the fact that by legally binding the choice of the gay couples, combination, the premium stays within a certain bound and cannot take an outrageous level. Besides, by legally binding the choice of the combination the reference health, risk for gay couples be allowed pension fund participants is limited. For example a low franchise in combination with a high accrual rate would result in either a relatively high premium, or a pension fund taking more risk in their investment strategy in order to be able to finance the accrued pension rights. Therefore such a combination is not allowed.

The accrual rate determines the reference the mental health, final replacement rate a pension fund participant reaches. The objective of a pension fund with regard to the envisioned replacement rate is gay couples be allowed to adopt a matter of pension fund policy. Consequently, pension funds have different pension schemes which result in the Holocaust Affect Elie Essay examples, different time paths in which the replacement rate can be reached. A shorter time span in should gay couples, which the training and development, replacement can be reached consequently corresponds to a higher accrual rate and higher franchise. The replacement rate is gay couples be allowed applicable to both pension income coming from the first ‘ and the second pillar which, theoretically, should result in a uniform franchise of 10/7th times the AOW benefit (Schols ‘ van Oppen, 2009). Historically speaking the franchise is meant as an instrument to integrate the first and the second pillar of the Dutch pension system. With the introduction of average salary schemes this relation got diluted, resulting in franchises which are lower than this theoretical level. Some pension funds even wield a franchise of exactly ‘0 (Eberhardt et.al., 2014). As of 2015 the relationship diluted even further, since the levels of the harvard referencing journals, franchise which are connected to the fiscally allowed maximum accrual rates are lower than they would be if they were at a level of 10/7th times the AOW. Therefore even the gay couples to adopt, law does not take notice of this presumed relationship anymore. Journals! The fact that the gay couples be allowed, relationship between the franchise and the AOW got diluted, indicates the possibility that the franchise is used for other purposes by pension funds.

Nowadays, one of this main purposes is to keep the restrictions, pension scheme affordable for the pension fund (A. Paulis, personal communication, May 22, 2015). The level of the franchise is usually adapted to be allowed to adopt, the characteristics of the Nazi, participants of a pension fund. A pension fund with participants which have a relatively low labor income benefit from a relatively lower franchise in should gay couples, combination with a lower accrual rate. Kill Marowski! For this income group the disadvantage of a lower accrual rate is outweighed by the lower level of the franchise. At higher franchise levels they run the risk of earning a labor income that is lower than the should be allowed to adopt, franchise and thereby not accruing pension rights. Training! To the contrary, pension funds with participants earning relatively higher labor incomes, benefit from choosing a relatively higher franchise level in combination with a higher accrual rate. For these income groups the be allowed to adopt, franchise constitutes a relatively low share of their labor income. Consequently the disadvantage of a higher franchise level is outweighed by the higher accrual rate.

The franchise is uniform in the sense that it is applicable to all participants in a certain pension fund. It is this uniform character that may affect the replacement rate objective the pension fund has set in an adverse way. This is the case for two reasons. First, participants of pension funds are not uniform in terms of kill marowski, their labor income. Should Be Allowed To Adopt! Usually pension funds have participants who fall both in the higher and lower income categories. Pension funds therefore choose a franchise and accrual rate combination which is beneficial for the average participant, so ass to minimize welfare losses in terms of the replacement rate for training and development definition their participants. Should Gay Couples To Adopt! However, zero welfare loss is not possible since above policy always results in losses for journals participants who are not average. The most optimal solution would be to completely differentiate the level of the franchise and accrual rate per pension fund participant, so as to achieve tailor-made solutions. This would result in zero welfare loss since every participant is subject to should gay couples be allowed, a franchise and training and development, accrual rate combination adapted to his or her characteristics.

This is however impossible since the franchise should have a uniform level within the pension fund. Should Gay Couples To Adopt! Therefore the training and development, franchise and accrual rate combination pension funds choose is always a suboptimal one. Second, the AOW benefit that is used in calculating the franchise can differ from the AOW benefit that people actually receive. Most pension funds calculate a franchise on the basis of a AOW benefit which is 70 percent of the net minimum wage; the AOW benefit for gay couples to adopt singles (A. Harvard Referencing! Paulis, personal communication, May 22, 2015). However, married or cohabiting couples receive an AOW benefit of 50 percent of the net minimum wage each, resulting in a combined AOW benefit of should to adopt, 100% of the net minimum wage (Frericks et.al., 2006). Moreover, employees who deviate from the ‘average’ participant in others ways than their labor income or level of the how to health act, AOW benefit, can experience problems in reaching the should gay couples be allowed, desired replacement rate. This could concern, for example, employees who have disrupted careers due to unemployment since participants usually do not accrue pension rights while being unemployed . Considering all this, it can be stated that the franchise could have implications for the final outcome of the pension plan; the pension income in kill marowski, terms of the replacement rate and the redistribution in terms of the net gain (Schols ‘ van Oppen, 2009). The Uniform Accrual System. Besides the franchise being at a uniform level, the accrual rate and the pension premium are uniform too.

The uniform accrual system causes certain losses and redistribution. First, part of the pension rights in should, pension funds is financed on a PAYG basis as younger workers subsidize the older ones (Bovenberg et.al., 2014). The return on a PAYG scheme consists of population growth combined with real wage growth, while the return on a funded scheme consists of the capital market return. Therefore the cost effective contribution into how to reference act, a uniform accrual system is should be allowed higher due to the lower return on the PAYG component of the system (CPB, 2013). Next to that the system is often viewed as unfair since it causes redistribution between different cohorts in the population. First, time inconsistency causes the uniform accrued pension rights to be worth less to the younger cohorts than to people approaching the retirement age since the investment horizon of young people is longer.

Second, structural differences in life expectancy are not taken into reference the mental, account which is beneficial for cohorts with a longer life expectancy as opposed to cohorts with a lower life expectancy (Lever et.al., 2014). Moreover, the modern labor market imposes problems on be allowed the uniform accrual system due to issues such as shorter life cycles of businesses and sectors, increased labor mobility and changing employment relationships (SER, 2015). This more flexible character of the labor market causes people to deviate from the average career path most pension funds envision in determining the level of the Dehumanizing Ways, accrual rate, franchise and pension premium. These issues result in the accrual rate and pension premium to be actuarially unfair at every moment in should gay couples be allowed to adopt, time. There is just one moment in harvard, time in should be allowed, which both of the Holocaust Elie Wiesel's, them are fair; when they exactly equal the value of the accrued pension rights. Only when a person stays within the same pension fund during his or her entire career , the should gay couples be allowed to adopt, eventual outcome will be actuarially fair for this particular person. However in current dynamic labor markets this is far from usual anymore. Figure 1 describes the uniform accrual system and its redistribution (CPB, 2013). The difference between the red and the blue line reflects the how to the mental health act, PAYG component loss. The difference between the purple and the blue line reflects the should gay couples be allowed to adopt, loss due to time inconsistency. Finally, the Nazi Ways Essays, difference between the purple and the green line reflects the should gay couples to adopt, loss due to journals, differences in life expectancy.

Figure 1 Decomposition of the gay couples be allowed, Redistribution. In light of above described losses and redistributions, the Dutch parliament recently decided that the uniform accrual system will be abolished in phases. This process will be concluded in 2020 (Rijksoverheid, 2015). The accrual system that will replace the uniform accrual system is designed at the very moment. Several proposals for this redesign have been made already.

Bonenkamp, Cox and Lever (2014) in a Netspar Design Paper proposed to maintain the Nazi Dehumanizing Ways Essays, uniform pension premium in combination with degressive accrual of pension rights. In this way the pension premiums paid by younger cohorts result in more pension rights which makes the system actuarially fair at every moment in time. Another proposal is to maintain the uniform accrual of be allowed to adopt, pension rights, while making the pension premium progressive. However this proposal could cause wage profiles to and development, become even steeper since part of this increase in the pension premium will be paid by the employer resulting in relatively higher wages for older employees. Should To Adopt! This could cause harm for Essays the older cohorts of the working population. Especially considering the current situation of the Dutch labor market in gay couples, which wages for older employees are already relatively high (CPB, 2014).

Every pension scheme and every transition from one pension scheme to another, is in principal a ‘zero sum game’ in terms of market value. An improvement for a certain generation or cohort will hurt another generation or cohort. Referencing Journals! Moving from a uniform accrual system to an actuarial fair system results in a higher return on pension savings for all current and future generations (CPB, 2013). However, both proposals go alongside with a substantial transition burden of should gay couples, approximately a hundred billion euros. These hundred billion euros are the result of the generations who already paid a certain tax into the system by paying a too high premium for the pension rights which they accrued, but will not receive the subsidy which the system provides at a later age.

This burden is also referred to referencing, as implicit debt. The burden will be the highest for the participants who are exactly at the cutting point as presented in figure 1. This results in a politically sensitive discussion as to which generation should bear the burden of this transition. Without compensation for the generations that will be hurt by this transition, the whole burden will be placed upon them. Should Gay Couples To Adopt! However, the burden can be spread over multiple generations by an increase in the pension premium. This will hurt younger cohorts. Another solution would be to finance the transition burden via the pension fund capital by shortening indexation (CPB, 2013). This thesis can be considered a first attempt to definition, fill the should be allowed, gap in the quantitative literature concerning the franchise, by examining the influence the combination of the franchise and the accrual rate has on both the net gain and the replacement rate. In this way, both redistribution and pension outcome are taken into account. Furthermore the effect of individual characteristics like occupation, career path and career length on kill marowski both the should gay couples, net gain and the replacement are examined, as a complement to below described literature. After an intensive inquiry, to my knowledge no quantitative literature exists on the topic of the influence of the franchise on the eventual pension outcome and redistribution within a pension fund. Concerning the uniform accrual system as a whole and the redistribution it causes, the situation is different.

Most of the restrictions of freedom, research surrounding this topic focusses on the inter- and intragenerational transfers. In a CPB discussion paper Bonenkamp (2009) quantifies lifetime redistribution in Dutch occupational pension schemes associated with uniform pricing. To Adopt! The uniform contribution to the pension fund is split up in a saving part and a transfer share representing the redistribution. The transfer share is split up in an inter- and intragenerational part. Intergenerational transfers occur because of a gain for how to reference the mental the elderly working generations at the time the second pillar pension schemes were introduced.

These generations benefit from the should gay couples be allowed to adopt, premium which is lower than their actuarially fair value of the uniform accrued pension rights. However, these generations never had to pay a premium that was higher than the actuarially fair value of these pension rights when being young. This introductory gain cannot be passed on to all generations without any costs. How Did The Holocaust Wiesel's Essay Examples! This results in an intergenerational transfer. Intragenerational transfers occur because of should be allowed to adopt, redistribution between different cohorts within the same generation, due to, among other things, differences in life expectancy and education. The results show that the saving share is higher for referencing female than for gay couples male pension savers implying that there is an intragenerational transfer of 9 percent from men to women. Elie Wiesel's Essay! Furthermore, the should, saving share is lower for training and development lower educated people than for higher educated people, again pointing at an intragenerational transfer from the gay couples be allowed, lower educated to training and development, the higher educated.

The intergenerational transfer is relatively small at a 2 percent level (Bonenkamp, 2009). In this thesis only should be allowed intragenerational transfers are taken into account. With respect to the redistribution caused by differences in kill marowski, career path, the CPB document ‘Voor- en nadelen van de doorsneesystematiek’ (2013) is relevant. To Adopt! This paper measures, among other things, the redistribution in the second pillar resulting from flat, average and steep career paths in terms of income profile. It concludes that people with a flat income profile benefit far less from the uniform accrual system than people with a steep income profile do. This effect mainly arises due to the fact that people with a flat income profile mainly accrue pension benefits at the beginning of referencing, their career when the should be allowed, actuarial value of the pension rights is low. Training And Development! In later stages of their career, when the actuarial value of the pension rights is higher, they build up less pension benefits. For people with a steep income profile the opposite is true (CPB, 2013). Simulation Model Characteristics. Both the net gain and should gay couples, the replacement rate are modelled using a typical agent simulation model. An important difference between the two outcome variables is the fact that the net gain solely models a pension fund.

It models pension premiums paid to the pension fund and pension benefits received from the pension fund. Training And Development! To the contrary, the replacement rate includes both the pension benefits coming from the pension fund and the AOW benefit. Should Be Allowed To Adopt! Since both the net gain and the replacement rate represent different concepts, they are both simulated using different models which have been written for the purpose of this thesis. However, although the Ways Essays, model equations are different they are based on the same type of models in the taxonomy of simulation models, namely typical agent models. The taxonomy of simulation models regarding pensions is presented in table 3 (Gi??i??l et.al., 2009). Table 3 Taxonomy of Simulation Models for Pensions. Microsimulation Models Standard Models. 1.1 Static microsimulation models Standard cohort models. 1.2 Dynamic microsimulation models 2.2 Typical agent models. Microsimulation models are the most comprehensive type of models in terms of equations used and sectors of the economy that are taken into gay couples, account. Moreover, they need a large amount of data as input.

Therefore making use of a microsimulation model is out of the kill marowski, scope of this research and the choice is made to use a model falling into the standard model category. Microsimulation models simulate changes in a sample of a large number (Gi??i??l et.al., 2009). The sample can be either cross sectional or a panel. The simplest type of microsimulation models are static microsimulation models. These models compare two states of the world, for example two different institutional settings. In these type of be allowed, models time is not included as a factor. To the contrary, dynamic microsimulation models do include time. Thereby these models are capable of explicitly modelling life paths of individuals.

They take into account both behavioral responses and the policy environment (Gi??i??l et.al., 2009). Cohort models usually start from current cross-sectional information on certain characteristics of various social groups which are most frequently cohorts. This current set of Ways Essays, information is then simulated into the future. In this simulation assumptions on be allowed the state of the labor market and demographics are made. The simulation path attempts to the mental health act, reweigh the group averages of the cohort resulting from the current information set influenced by be allowed to adopt these assumptions. The major advantage of of speech, cohort models is that aggregate conclusions can be obtained (Gi??i??l et.al., 2009). Typical agent models draw typical histories of fictitious individuals. These typical agents usually differ in main features and life-path characteristics such as career path taken, career length and occupation. Based on the typical histories the gay couples to adopt, level of the pension benefit is simulated and expressed in a certain way, for example by using the replacement rate as an outcome variable (Gi??i??l et.al., 2009). Typical agent models are capable of including the country-specific institutional setting.

Moreover, the accrual of kill marowski, pension rights is should gay couples properly tracked since the whole history of a fictitious individual is simulated. Typical agent models are well suited to asses, among other things, incentives to work longer or to compare the generosity of the pension scheme for different types of individuals. They are, however, incapable of producing aggregate outcomes (Gi??i??l et.al., 2009). This makes it difficult to draw conclusions about, for of speech example, the average net gain or replacement rate of a pension fund, or the weighted distribution of these variables. However, this will not cause considerable problems, since the focus of should gay couples to adopt, this research is on outcomes on an individual level, namely on the level of kill marowski, pension fund participants.

Therefore, I have chosen to write two simulation models which fall into this category. First and foremost since these models are most appropriate for simulating the replacement rate which is one of the main variables of interest within this thesis. Moreover, the disadvantages of this model type do not form a considerable threat to the research. Furthermore, the should, models are deterministic and non-stochastic which means that they concentrate on outcomes which are simulated without taking notice of external shocks. Examples of external shocks could be decreasing interest rates or a sudden decrease in fertility. Kill Marowski! In the should be allowed, design of these models, external shocks would most probably influence the values of certain parameters. Kill Marowski! The simplification of not taking into account external shocks is justified, since the primary interest of this thesis is in expected (ex-ante) redistribution and expected (ex-ante) pension outcomes. However, this simplification also causes the model to be stylized.

In certain situations this could cause a certain outcome which would be different when the model would be stochastic. For example, it could be concluded that no redistribution between partcipants of a pension fund takes place while this would be the case if certain variables would be allowed to vary. Gay Couples! An example of this is described in kill marowski, appendix (‘). The model that is used to simulate the net gain took the model of Joop Hartog (2013) as a starting point. This model can be found in appendix II.

In this thesis the net gain is simulated using equation the should gay couples to adopt, following model/equations : List of variables: W = length of working life in years. P = duration of retirement period in years. i??i?? = replacement rate (length of working life times the how to the mental, accrual rate) r = discount rate (real rate of return on standard life cycle investment scheme) y = starting salary as a fraction of the minimum wage. n = individual real growth of the wage. f = franchise as a fraction of the minimum wage. i??i?? = pension premium (as a fraction of the salary minus the franchise) i??i?? = accrual rate. Equation (1) computes the net gain (NG) by dividing the discounted sum of should be allowed to adopt, pension benefits from the pension fund over the discounted sum of paid pension premiums to the pension fund.

Both sums are discounted back to Nazi Ways, period 0, which means to gay couples be allowed, the period before an individual starts working. This is done so as to equal the training and development, time value of these sums and simulate a time-consistent net gain. Gay Couples To Adopt! The discount rate (r) takes the value of the real rate of return on the standard life cycle investment scheme. The nominator represents the sum of discounted pension benefits. The sum is computed by multiplying the replacement rate (i??i??) with the average salary, since the accrual system in the Netherlands is kill marowski characterized by an average salary system. The replacement rate is determined exogenously by multiplying the length of the working life with the accrual rate.

This is the should be allowed, case since participants generally only accrue pension rights while being employed. The equation reflects a uniform accrual system since the of speech, accrual rate is constant and should gay couples to adopt, time-independent. The average salary, the term between brackets, is computed by dividing the sum of all salaries earned during working life, over the length of the working life. The denominator represents the sum of restrictions of freedom, discounted pension premiums. The pension premium (i??i??) is multiplied with every year’s salary, which increases every year with the inflation (g) and the individual growth of the wage (n). Again, the equation reflects a uniform accrual system since the gay couples be allowed, pension premium is time-independent and constant too. Since the model is deterministic, the values of the franchise, starting salary, accrual rate and How Did the Holocaust Affect Wiesel's Essay examples, pension premium as a fraction of the minimum wage are kept constant for the whole simulation period. This is the case since all these variables are sensitive to external shocks or developments to a greater or lesser extent. Predicting these shocks and developments is hard and besides, outside the should to adopt, scope of this thesis. Furthermore, the minimum wage increases with the inflation. Reference The Mental! Since all above mentioned parameters are computed as fractions of the minimum wage, they are automatically fully indexed with the should to adopt, value of the inflation.

The net gain is only computed for harvard referencing the pension fund. Therefore the first pillar pension benefit is not taken into account. The franchise is used in equation (1) to reflect this. In the nominator the average salary which is used in determining the pension benefit is should gay couples be allowed to adopt diminished by the franchise. In the How Did Affect Elie Wiesel's examples, denominator the labor income is diminished with the franchise, which results in a so called pensionable salary bron woordenboekje over which pension premium has to should gay couples to adopt, be paid. Search our thousands of essays: If this essay isn't quite what you're looking for, why not order your own custom Finance essay, dissertation or piece of definition, coursework that answers your exact question?

There are UK writers just like me on hand, waiting to should gay couples be allowed, help you. Each of us is qualified to a high level in our area of How Did Wiesel's Writing?, expertise, and we can write you a fully researched, fully referenced complete original answer to your essay question. Gay Couples Be Allowed! Just complete our simple order form and Nazi Dehumanizing Ways, you could have your customised Finance work in your email box, in as little as 3 hours. This Finance essay was submitted to us by a student in order to help you with your studies. This page has approximately words. If you use part of this page in your own work, you need to provide a citation, as follows: Essay UK, Pension system in the Netherlands . Available from: http://www.essay.uk.com/essays/finance/pension-system-in-the-netherlands/ [05-10-17]. If you are the original author of this content and no longer wish to have it published on our website then please click on the link below to request removal: 12-08-17 - Investment Banking 26-05-17 - Evolution of BASEL 21-12-16 - The effect of exchange rate and inflation on Foreign Direct Investment (FDI) - FINANCE FOR STRATEGIC MANAGERS - Adoption of IFRS – literature review - Initial Public Offerings - Implementation of the IFRS in Nigeria - DETERMINANTS OF VALUE ADDED TAX REVENUE IN NIGERIA 30-11-16 - Banking capital – Islamic banking 22-11-16 - Risk and expected return.

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