The Good Non Retirement Guide 2010: Everything You Need to Know About Health, Property, Investment, Leisure, Work, Pensions and Tax, 24th Edition

Table of contents\\n......Page 12
Preface......Page 19
1Are you looking forward to retirement?......Page 20
Pre-retirement courses......Page 24
New focus for the retired......Page 26
Doing the sums......Page 28
Possible ways of boosting your retirement income......Page 33
Spending now for saving later......Page 36
Cherished plans, if affordable......Page 37
Money – if you become redundant......Page 38
Extra income......Page 40
State pensions......Page 43
Private pensions......Page 53
Compulsory purchase annuities......Page 59
Additional voluntary contributions (AVCs)......Page 63
Early leavers......Page 65
Becoming self-employed......Page 67
Questions on your pension scheme......Page 68
What to do before retirement......Page 69
Other help and advice......Page 70
Protection for pension scheme members......Page 71
Personal pensions for employees......Page 72
Stakeholder pensions......Page 75
A lump sum?......Page 79
Pension rights if you continue to work after retirement age......Page 80
Divorce......Page 81
Pensions for women......Page 85
4. Tax......Page 88
Tax allowances......Page 89
Tax relief......Page 91
Tax-free income......Page 94
Income Tax on savings......Page 95
Income Tax on other investments......Page 96
Mistakes by HMRC......Page 97
Tax Credits......Page 99
Capital Gains Tax (CGT)......Page 100
Inheritance Tax......Page 103
Independent taxation......Page 105
Self-assessment......Page 106
Retiring abroad......Page 107
Sources of investable funds......Page 112
Annuities......Page 113
National Savings & Investments (NS&I)......Page 115
Variable interest accounts......Page 116
Fixed interest securities......Page 121
Equities......Page 123
Child Trust Funds......Page 127
Life assurance policies......Page 128
Bonds......Page 132
Investor protection......Page 134
Choosing an adviser......Page 137
Accountants......Page 138
Banks......Page 139
Independent financial advisers (IFAs)......Page 140
Insurance brokers......Page 141
Other pension advisers......Page 142
Solicitors......Page 143
Stockbrokers......Page 145
Financial Ombudsman Service (FOS)......Page 146
7. Budget planner......Page 147
3. Expected sources of income on retirement......Page 150
4. Unavoidable outgoings......Page 152
5. Normal additional expenditure......Page 153
8. Your home......Page 154
Staying put......Page 155
Moving to a new home......Page 157
Retirement housing and sheltered accommodation......Page 161
Other options......Page 162
Making your home more practical......Page 163
Tips for reducing your energy bills......Page 169
Improvement and repair......Page 170
Safety in the home......Page 173
Home security......Page 176
Insurance......Page 178
Raising money on your home......Page 180
Using your home to earn money......Page 183
Holiday lets......Page 185
Benefits and taxes......Page 187
9. Leisure activities......Page 194
Adult education......Page 195
Animals......Page 197
Arts......Page 198
Dance/keep fit......Page 205
Games......Page 206
Gardens and gardening......Page 207
History......Page 208
Museums......Page 212
Nature and conservation......Page 213
Sciences and other related subjects......Page 214
Special interests......Page 215
Sport......Page 216
Women\'s organizations......Page 221
For people with disabilities......Page 222
Public transport......Page 223
10. Starting your own business......Page 224
Legal structure of the business......Page 225
Business names......Page 228
Domain names......Page 229
Alternative ways of getting started......Page 230
Taxation......Page 232
National Insurance......Page 241
Pensions......Page 243
Your responsibilities as an employer......Page 244
Insurance......Page 248
Marketing......Page 250
Competitors......Page 251
Raising finance......Page 252
Advice and training......Page 253
11. Looking for paid work......Page 256
Financial considerations......Page 257
Special measures to assist disabled people to work......Page 259
Assessing your abilities......Page 260
Training opportunities......Page 262
Help with finding a job......Page 263
Interview technique......Page 265
Part-time openings......Page 266
Employment ideas......Page 267
Cashing in on your home interests......Page 277
Pubs and paying guests......Page 278
Agencies and other useful organizations......Page 279
12. Voluntary work......Page 282
Choosing the right voluntary work......Page 284
General......Page 285
Animals......Page 286
Children and young people......Page 287
Conservation......Page 288
The elderly......Page 289
The family......Page 291
Health......Page 292
Heritage and the arts......Page 294
The needy......Page 295
Offenders and the victims of crime......Page 296
Work after work......Page 297
Long-term volunteering......Page 298
Keeping fit......Page 300
Sensible eating......Page 302
Drink......Page 304
Accident prevention......Page 306
Health insurance......Page 307
Long-term care insurance (LTCI)......Page 310
Health screening......Page 312
Hospital care cash plans......Page 313
National Health Service......Page 314
Benefits......Page 315
Going into hospital......Page 316
Complaints......Page 317
Alternative medicine......Page 319
Eyes......Page 320
Feet......Page 322
Hearing......Page 323
Teeth......Page 324
Personal relationships......Page 325
Depression......Page 326
Some common afflictions......Page 328
Disability......Page 332
14. Holidays......Page 334
Art appreciation......Page 335
Arts and crafts......Page 336
Historical holidays......Page 337
Language courses......Page 338
Other people\'s homes......Page 339
Overseas travel......Page 340
Short breaks......Page 343
Timesharing......Page 344
Self-catering and other low-budget holidays......Page 345
Special interest holidays......Page 347
Sport......Page 349
Working holidays......Page 352
Grey gapping......Page 353
Holidays for singles......Page 354
Holidays for those needing special care......Page 355
Tourist boards......Page 357
Long-haul travel......Page 358
Insurance......Page 359
Travel and other concessions......Page 364
Health tips for travellers......Page 366
Ways of adapting a home......Page 368
Alarm systems......Page 371
Main local authority services......Page 372
Key voluntary organizations......Page 374
Holidays......Page 377
Power of attorney......Page 379
Temporary living-in help......Page 380
Permanent living-in help......Page 381
Flexible care arrangements......Page 382
Emergency care for pets......Page 383
Practical help for carers......Page 384
Holiday breaks for carers......Page 385
Benefits and allowances......Page 386
Financial assistance......Page 389
Special accommodation......Page 391
Community Care......Page 398
Care homes......Page 399
Financial assistance for residential and nursing home care......Page 402
Some special problems......Page 404
Wills......Page 407
Money and other worries – and how to minimize them......Page 413
State benefits, tax and other money points......Page 416
Organizations that can help......Page 419
Index......Page 421
Index of advertisers......Page 430