When you think about retirement, what comes to mind? Maybe it has something to do with stopping work, but should it? Whatever your plans for retirement are, do you know how to achieve them? Do you know how your pensions, ISAs, property and everything else will come together to deliver the lifestyle you want one day?

In this deeply practical book, 25-year veteran financial planner Pete Matthew walks you through the three phases of retirement:

• The Home Straight – the last five or ten years before retirement, when it’s time to get everything in place and aligned
• The Great Transition – for many of us, retiring is a process not an event and it looks different for each of us
• The New Normal – once we’re settled into our new life, we need to keep everything under review and look towards some later life planning

In this book, you’ll find everything you need to KNOW and everything you need to DO to plan and enjoy your perfect retirement.

Businesses take on many forms ranging from sole proprietorships, partnerships, and close corporations to companies. The ability of these forms of business ownership to obtain and service credit depends not only on their financial circumstances, but also the knowledge and ability of the credit provider to assess the business' creditworthiness. For a business to be successful it must make a profit. The profit on a sale is not earned unless the money for the sale is in the bank on due date. It is also true that the longer it takes to collect the money from a debtor, the more difficult it becomes. Applied credit management teaches the learner all aspects of the credit management function of an organisation, from the evaluation of the new application, the investigation of the creditworthiness of the customer, the final approval or rejection to the collection and ultimate litigation of an account. All aspects of the National Credit Act (Act 34 of 2006) have been incorporated in the principles of this book.

One of the integral parts of determining business success directly correlates to how well a company interacts with their customers. This increased demand for direct communication has evolved how companies cooperate with their patrons and examines how essential ethics is related to these communications. Ethical Consumerism and Comparative Studies Across Different Cultures: Emerging Research and Opportunities provides emerging research exploring the theoretical and practical aspects of the fundamental issues related to ethical consumerism and applications within business, science, engineering, and technology and examines the impact Arab and global cultures have on consumerism. Featuring coverage on a broad range of topics such as business ethics, data management, and global business, this book is ideally designed for managers, executives, advertisers, marketers, sales directors, practitioners, researchers, academicians, and students.

Black money and financial crime are emerging global phenomena. During the last few decades, corrupt financial practices were increasingly being monitored in many countries around the globe. Among a large number of problems is a lack of general awareness about all these issues among various stakeholders including researchers and practitioners. Theories, Practices, and Cases of Illicit Money and Financial Crime is a critical scholarly research publication that provides comprehensive research on all aspects of black money and financial crime in individual, organizational, and societal experiences. The book further examines the implications of white-collar crime and practices to enhance forensic audits on financial fraud and the effects on tax enforcement. Featuring a wide range of topics such as ethical leadership, cybercrime, and blockchain, this book is ideal for policymakers, academicians, business professionals, managers, IT specialists, researchers, and students.

This edited collection of Professor Joseph Cherian's past writings covers his translational research, observations, and hands-on practice from a unique career spanning both academia and the financial industry. Written in easy-to-understand layman's terms, this first edition comprises his contributions to areas of finance as wide-ranging as asset management, life-cycle savings and investing, infrastructure finance, digital currency, disruption and the economy, and macro, debt, sustainable and political economy. It can serve as a resource to professionals, policymakers, regulators, finance practitioners, and academics from all walks of life who are interested in the practice of modern finance theory.

This book covers three topics that have dominated financial market regulation and supervision debates: digital finance, sustainable finance, and the Banking and Capital Markets Union. Within the first part, seven chapters will tackle specific questions arising in digital finance, including but not limited to artificial intelligence, tokenisation, and international regulatory cooperation in digital financial services. The second part addresses one of humanity's most pressing issues today: the climate crisis. The quest for sustainable finance is driven by political actors and a common understanding that climate change is a severe threat. As financial institutions are a cornerstone of human interaction, they are in the regulatory spotlight. The chapters explore sustainability in EU banking and insurance regulation, the interrelationship between systemic risk and sustainability, and the 'greening' of EU monetary policy. The third part analyses two projects that have led to huge structural changes in the European financial market architecture over the last decade: the European Banking Union and Capital Markets Union. This transformation has raised numerous legal questions that can only gradually be answered in all their intricacies. In four chapters, this book examines composite procedures, property rights of depositors in banking resolution, preemptive financing arrangements and the phenomenon of subsidiarisation in the context of Brexit. Of interest to academics, policymakers, practitioners, and students in the field of EU financial regulation, banking law, securities law, and regulatory law, this book offers a compilation of analyses on pressing banking and capital markets law problems.