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Brown, Rosemary

 
9780749449339: The Good Non Retirement Guide 2007

Sinopsis

<p>Retirement is a time of opportunity. Free from the demands of working life, new aims can be realised and new experiences enjoyed. Yet with so much to consider, people are often unsure how best to plan for their future. Essential reading for anyone looking to make the most of their retirement, this guide combines invaluable advice on how to plan for a secure future with suggestions for creative and fulfilling activities.<br><br>It includes vital information on:<br><br>MONEY: boosting your income, pensions, investments, tax, choosing your financial advisors<br><br>WORK: looking for paid work, voluntary work and starting your own business<br><br>HEALTH: keeping fit, accident prevention, insurance, hospitals, the NHS, caring for elderly parents<br><br>HOME: moving, estate agents, improvements and repairs, security, insurance, council tax and raising money<br><br>WILLS: making a will, minimising money worries, state benefits, tax<br><br>Packed with the latest information and hundreds of useful addresses, this book will be referred to again and again.</p>

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Acerca del autor

Rosemary Brown OBE is the founder and managing director of Enterprise Dynamics, a marketing and business development consultancy. Her highly-regarded Retirement Division offers in-house and external courses, surveys, seminars, corporate strategy planning, and other advisory services.

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<p><b>1. Looking Forward to Retirement</b><br><br> Pre-retirement courses<br><br> New focus for the retired<br><br><br><br> <b>2. Money in General </b><br><br> Doing the sums<br><br> Possible ways of boosting your retirement income<br><br> Spending now for saving later<br><br> Cherished plans, if affordable<br><br> Money - if you become redundant<br><br> Money left unclaimed<br><br> Cheques Act 1992<br><br> Covenants<br><br> Charitable giving<br><br> Extra income<br><br> <b>3. Pensions </b><br><br> State pensions<br><br> Private pensions<br><br> Additional voluntary contributions (AVCs)<br><br> Early leavers<br><br> Becoming self-employed<br><br> Minimum retirement age<br><br> Questions on your pension scheme<br><br> What to do before retirement<br><br> Other help and advice<br><br> Protection for pension scheme members<br><br> Personal pension schemes<br><br> Stakeholder pensions<br><br> Opting back into the State scheme<br><br> Individual Pension Accounts (IPAs)<br><br> A lump sum?<br><br> Pension rights if you continue to work after retirement age<br><br> Equal pension age<br><br> Divorce<br><br> Part-timers<br><br> Pensions for women<br><br> <b>4. Tax </b><br><br> Income tax<br><br> Tax allowances<br><br> Same-sex partners<br><br> Tax relief<br><br> Tax credits<br><br> Tax-free income<br><br> Other tax-free money<br><br> Income tax on savings<br><br> Income tax on other investments<br><br> Reclaiming tax overpaid<br><br> Mistakes by HM Revenue & Customs (HMRC)<br><br> Tax rebates<br><br> Post-war credits<br><br> Capital gains tax (CGT)<br><br> Inheritance tax<br><br> Independent taxation<br><br> Value-added tax (VAT)<br><br> Other expenditure taxes<br><br> Corporation tax<br><br> Self-assessment<br><br> Retiring abroad<br><br> <b>5. Investment </b><br><br> Sources of investable funds<br><br> General investment strategy<br><br> Annuities<br><br> National Savings and Investments (NS&I)<br><br> Property<br><br> Variable-interest accounts<br><br> Fixed-interest securities<br><br> Equities<br><br> Individual Savings Account (ISA)<br><br> Child Trust Funds<br><br> Small businesses<br><br> Long-term lock-ups<br><br> Bonds<br><br> Hedge funds<br><br> Other investment points<br><br> Investor protection<br><br> <b>6. Financial Advisers </b><br><br> Choosing an adviser<br><br> Accountants<br><br> Banks<br><br> Insurance brokers<br><br> Independent financial advisers (IFAs)<br><br> Other pension advisers<br><br> Solicitors<br><br> Stockbrokers<br><br> Financial Ombudsman Service (FOS)<br><br> <b>7. Budget Planner</b><br><br> 1. Possible savings when you retire<br><br> 2. Possible extra outgoings when you retire<br><br> 3. Expected sources of income on retirement<br><br> 4. Unavoidable outgoings<br><br> 5. Normal additional expenditure<br><br> <b>8. Your Home </b><br><br> Staying put<br><br> Moving to a new home<br><br> Moving in with family or friends<br><br> Sharing with friends<br><br> Retirement housing and sheltered accommodation<br><br> Other options<br><br> Making your home more practical<br><br> Improvement and repair<br><br> Safety in the home<br><br> Home security<br><br> Personal safety<br><br> Insurance<br><br> Raising money on your home<br><br> Letting rooms in your home<br><br> Holiday lets<br><br> Housing benefit<br><br> Council tax<br><br> Useful organisations<br><br> <b>9. Leisure Activities </b><br><br> Adult education<br><br> Animals<br><br> Arts<br><br> Dance/keep fit<br><br> For people with disabilities<br><br> Games<br><br> Gardens and gardening<br><br> History<br><br> Hobbies<br><br> Museums<br><br> Nature and conservation<br><br> Public library service<br><br> Sciences and other related subjects<br><br> Sport<br><br> Women's organisations<br><br> Public transport<br><br><br><br> <b>10. Starting Your Own Business </b><br><br> Legal structure of business<br><br> Business names<br><br> Alternative ways of getting started<br><br> Developing an invention<br><br> Taxation<br><br> National insurance<br><br> Pensions<br><br> Your responsibilities as an employer<br><br> Personnel records<br><br> Employment legislation<br><br> Trading regulations<br><br> Licences<br><br> Finding suitable premises<br><br> Planning permission<br><br> Other permissions<br><br> Working from home<br><br> Insurance<br><br> Marketing<br><br> Competitors<br><br> Exports<br><br> Raising finance<br><br> Advice and training<br><br> Useful organisations<br><br> <b>11. Looking for Paid Work </b><br><br> Financial considerations<br><br> Special measures to assist disabled people to work<br><br> New Deal 50-plus Programme<br><br> Age discrimination<br><br> Assessing your abilities<br><br> Job counselling<br><br> Jobcentre Plus<br><br> Private counselling<br><br> Training opportunities<br><br> Help with finding a job<br><br> CV writing<br><br> Interview technique<br><br> Part-time openings<br><br> Employment ideas<br><br> Cashing in on your home interests<br><br> Pubs and paying guests<br><br> Agencies and other useful organisations<br><br> <b>12. Voluntary Work </b><br><br> Choosing the right voluntary work<br><br> General<br><br> Animals<br><br> Bereavement<br><br> Children and young people<br><br> Conservation<br><br> The elderly<br><br> The family<br><br> Health<br><br> Heritage and the arts<br><br> The needy<br><br> Offenders and the victims of crime<br><br> Politics<br><br> Work after work<br><br> Long-term volunteering<br><br> <b>13. Health </b><br><br> Keeping fit<br><br> Yoga<br><br> Sensible eating<br><br> Food safety<br><br> Drink<br><br> Smoking<br><br> Accident prevention<br><br> Aches, pains and other abnormalities<br><br> Health insurance<br><br> Private patients - without insurance cover<br><br> Long-term care insurance (LTCI)<br><br> Permanent health insurance (PHI)<br><br> Health screening<br><br> Hospital care cash plans<br><br> National Health Service<br><br> Benefits<br><br> Prescriptions<br><br> Going into hospital<br><br> Complaints<br><br> Alternative medicine<br><br> Eyes<br><br> Feet<br><br> Hearing<br><br> Teeth<br><br> Personal relationships<br><br> Help for grandparents<br><br> Depression<br><br> Some common afflictions<br><br> Disability<br><br> <b>14. Holidays </b><br><br> Art appreciation<br><br> Arts and crafts<br><br> Coach holidays<br><br> Historical holidays<br><br> Language courses<br><br> Other people's homes<br><br> Overseas travel<br><br> Short breaks<br><br> Timesharing<br><br> Retreats<br><br> Self-catering and other low-budget holidays<br><br> Special interest holidays<br><br> Sport<br><br> Wine tasting<br><br> Working holidays<br><br> Holidays for singles<br><br> Holidays for those needing special care<br><br> Tourist boards<br><br> Long-haul travel<br><br> Insurance<br><br> Travel and other concessions<br><br> Health tips for travellers<br><br> <b>15. Caring for Elderly Parents </b><br><br> Ways of adapting a home<br><br> Alarm systems<br><br> Main local authority services<br><br> Key voluntary organisations<br><br> Transport<br><br> Holidays<br><br> Power of attorney<br><br> Temporary living-in help<br><br> Nursing care<br><br> Permanent living-in help<br><br> Flexible care arrangements<br><br> Emergency care for pets<br><br> Practical help for carers<br><br> Holiday breaks for carers<br><br> Benefits and allowances<br><br> Financial assistance<br><br> Special accommodation<br><br> Community Care<br><br> Some special problems<br><br> <b>16. No One is Immortal </b><br><br> Wills<br><br> Provision for dependent adult children<br><br> Money worries - and how to minimise them<br><br> State benefits, tax and other money points<br><br> Organisations that can help</p>

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