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Saving The Panda: Level 1
Developed by New Zealand reading specialist and author, Pam Holden, this exciting reading program offers an extensive range of illustrated fiction and photographic non-fiction titles at graded levels. Red Rocket Readers offer a carefully controlled sequence of challenges throughout the levels to ensure students progress with confidence and enthusiasm.
The Fallacy Of Saving
From the PREFACE.
The following essay is an expansion of one written several years ago, and recently read to the Political Economy Circle of the National Liberal Club. The character of the criticism it then met with from some of the most competent members removed any hesitation I might formerly have felt as to the chance of my being right in an argument which will strike most readers at first sight as a strange paradox, and which runs counter not only to the standard authorities, but to the views of many of the younger economists who are supposed to have thrown off the old " orthodoxy." The trained economists of the National Liberal Club, to my thinking, did not really defend the received economic doctrine of saving at all: they defended something else. And yet, while the received doctrine stands thus naked to criticism, I find that when a young economist presses the criticism he is made to suffer for it by exclusion from educational posts which are in the gift of adherents of the orthodox view. Having personally nothing to fear in this way, I feel the more bound to press the true doctrine, as I regard it, on public attention. I would preface my exposition, however, with an appeal to the candour and leniency alike of economic students and general readers, in consideration of the difficulty which attends all rectifications of abstract theory, and efforts at new economic analysis in perhaps a special degree.
As regards the practical solution propounded in the Second Part, I wish it to be noted that it is evolved as a strict economic solution of the problem led up to in the First, and, though it coincides with some proposals classified as Socialistic, is no Ã priori application of any abstract theory of society, and does not stand or fall with any such theory. In this connection I am glad to see that a widening hearing is being won for the doctrine of a naturalist as distinguished from an idealist treatment of social problems. This doctrine has been admirably put by a recent essayist, whose words I have as much pleasure in quoting as in endorsing:
"The solution which remains to be considered, and which the course of the argument has gradually brought into view, is the doctrine of State-control or State-regulation of industry according to the best ideas and knowledge attainable at the time. This, in distinction from the others, may be called the political solution. It is untouched by any of the arguments that have been fatal to the rest. In essence, it is the doctrine that has been instinctively acted upon both in ancient and modern States. When a mistaken industrial policy was pursued in the past, this was not because the State failed to recognise the limits of its own general sphere of action, but because it was ignorant of some particular law of economics...."
Your Taxes And Savings 2005-2006
Pensioners are losing many millions of pounds each year through saving badly and paying too much tax. The central theme of Your Taxes & Savings 2005-2006 is to help them make the most of their money. It is full of essential information on topics we all need to know more about. The section on tax explains how much tax you should pay, how to avoid paying too much this year - and how to claim it back from previous years with compensation or interest. It also warns about the most common hidden tax traps. The section on savings covers the wide variety of complicated savings products that are around - and what risks and returns older people should expect from each. It also explains how to save money in simple ways, how to avoid wasting money in savings accounts that pay nothing, and how to get the best interest, even on a current account. There is also advice on the Financial Services Authority, how to complain, and how to get compensation.
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