savings relative to pay-as-you go systems. Our results indicate that more wealth should be transferred from the young to the … implicit return on a pay-as-you-go system and the interest rate on savings should be equal to the growth rate of the economy …

-age consumption is financed with voluntary savings, even in the presence of a fairly generous public pension system. This is clearly …

Housing and family are prominent aspects of old age, but how they shape the elderly's savings, spending, and inter … savings behavior of homeowners and renters, the puzzling similarities in the bequests of parents and childless individuals …

understanding of the role of English language certification in the recruitment processes in the R.N. Macedonia. Our research … objectives are to examine the practices of Macedonian recruitment agencies with regard to the assessment of knowledge of the … English language of candidates in the recruitment process. The research conducted is based on the qualitative method and …