Posts Tagged ‘pensions’
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Monday, August 19th, 2013
In theory, it is possible that gentle nudges will turn into intrusive diktats and the nanny state will drain individual responsibility. But, in practice, it is hard to feel that my decision-making powers have been weakened because when I got my driver’s license enrolling in organ donation was the default option… Some modest paternalism might be just what we need.
Tags: featured, Health, ideology, mental Health, pensions, rights, standard of living
Posted in Governance Debates | 1 Comment »
Wednesday, July 24th, 2013
Analyzing inequality is extremely complex. It matters greatly whether you study individuals or the family unit; use incomes before or after taxes and transfers; measure consumption rather than income; adjust incomes for wealth; and how upper and lower incomes are defined. There is no simple answer to the question of whether inequality is rising, much as some reduce such complex matters to simple sound-bites… properly assessing trends in income distribution requires adjusting incomes for changes in wealth.
Tags: economy, ideology, pensions, standard of living, tax
Posted in Equality Debates | 1 Comment »
Tuesday, July 23rd, 2013
My study cites how RRSPs offer greater flexibility for individual savings, but finds that the balance weighs in favour of CPP expansion… Unlike savings in an RRSP, the forced savings in the CPP are professionally managed, have minimal cost and excellent returns, and generate assured benefits that are inflation-indexed… apart from reduced flexibility, each dollar of savings via CPP is superior to each dollar of RRSP savings, even if the former were to fully displace the latter.
Tags: ideology, pensions, privatization, standard of living
Posted in Social Security Policy Context | No Comments »
Wednesday, July 17th, 2013
If middle-income Canadians want secure and adequate incomes in retirement, voluntary plans won’t do… The most efficient and effective way… is to legislate the necessary earnings-based contributions to a broadly-based public fund; in short the CPP/QPP… Increasing the eligibility age to between 68 and 70 (up from 65 today) would be sufficient to maintain financial stability while expanding and phasing-in new benefits more rapidly – over 20 years
Tags: economy, ideology, pensions, standard of living
Posted in Social Security Debates | No Comments »
Tuesday, June 4th, 2013
… no one has said enhancing the CPP would be free. It is a pension plan — one of the best in the world. Both employees and employers pay into it… our scientific poll of small businesses showed majority support among small business owners for an expanded CPP… Our polling also demonstrates consistent and overwhelming support among Canadians for CPP expansion, in all provinces.
Tags: economy, ideology, participation, pensions, standard of living
Posted in Social Security Debates | No Comments »
Thursday, May 30th, 2013
Millions of working Canadians do not have access to a pension plan through their place of work, and that is why CFIB has been pushing provincial governments to move forward with legislation to enable pooled registered pension plans (PRPPs). These low-cost, easy-to-manage plans would make retirement savings accessible to more Canadians than ever before, while not imposing new obligations on employers or employees who cannot afford a hike in mandatory taxes or fees.
Tags: economy, ideology, participation, pensions, standard of living
Posted in Social Security Debates | No Comments »
Sunday, May 26th, 2013
Most Canadians simply cannot save enough to live in dignity in retirement. Wages for middle-income earners have been stagnant for 25 years. One third of family units have no workplace pensions or private pension assets such as RRSPs… The [CLC] advocates a gradual doubling of Canada Pension Plan benefits… Virtually all employed and self-employed Canadians already contribute to the CPP. It is fully portable and provides an inflation-indexed lifetime retirement benefit.
Tags: ideology, pensions, standard of living
Posted in Social Security Debates | No Comments »
Wednesday, May 15th, 2013
… we believe that the “inadequate savings” argument ignores a significant component of savings, namely the investment in real estate including principal residence, other forms of real estate and business ownership… aggregate statistics exclude those in the bottom quintile who may not own their own home and thus cannot avail themselves of home equity… [but] the bottom quintile actually do better in retirement due to OAS, GIS and CPP and their pension income is typically higher than the income earned in their working years.
Tags: economy, ideology, pensions, standard of living
Posted in Social Security Debates | 2 Comments »
Saturday, May 11th, 2013
… their view of the economy is that nothing should be permitted that might protect those without private means from the need to work — at whatever wage is on offer. No employment insurance. No welfare. No pensions. No unions. If those at the top end can save enough to retire comfortably, that’s fine. But in the world view of the Harper Conservatives, those who are not so fortunate should just keep on working, at minimal wages if necessary, until they drop.
Tags: ideology, pensions, standard of living
Posted in Child & Family Policy Context, Policy Context | No Comments »
Saturday, May 11th, 2013
Parents press physicians to give children diagnoses, falsely inflating numbers of those with autism and A.D.H.D… Diagnoses also figure in disability determination… The media will trumpet the release of the new D.S.M., but practicing psychiatrists will largely regard it as a nonevent. Unfortunately, the same cannot be said for other institutions — insurance companies, state and government agencies, and even the courts — which will continue to imbue the D.S.M. with a precision and an authority it does not have.
Tags: disabilities, Health, mental Health, pensions, rights, youth
Posted in Health Debates | No Comments »
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