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The Good Retirement Guide 2016, 30th Edition

Book Description

Essential reading for all those looking forward to making the most of their retirement, The Good Retirement Guide includes information on pensions, tax, investments, housing, health, holidays, leisure activities and wills.

Table of Contents

  1. Cover
  2. Title Page
  3. Contents
  4. List of tables
  5. 01    Looking forward to retirement and doing the sums
    1. Pre-retirement planning
    2. Doing the sums
    3. Possible ways of increasing your retirement income
    4. And finally …
  6. 02    Pensions, savings and financing your retirement
    1. Understand your state pension entitlement
    2. Defined contribution pensions
    3. Auto-enrolment
    4. Questions on your pension scheme
    5. Beware of predators stalking your pension
    6. Protection for pension scheme members
    7. Savings as part of your retirement planning
    8. Sources of investable funds
    9. General investment strategy
    10. Annuities
    11. National Savings and Investments (NS&I)
    12. Variable interest accounts
    13. Fixed interest securities
    14. Equities
    15. Long-term lock-ups
    16. Investor protection
  7. 03    Tax
    1. But it’s all so complicated – and what about Betty down the road?
    2. Self-assessment
    3. Income tax
    4. Tax allowances
    5. Tax relief
    6. Tax-free income
    7. Income tax on savings and investments
    8. Mistakes by HMRC
    9. Tax rebates
    10. Capital Gains Tax (CGT)
    11. Inheritance Tax (IHT)
    12. Retiring abroad
    13. Further information
    14. Useful reading
  8. 04    Protection from scams, help from professional advisers and how to complain
    1. The five tests for staying safe from the scammers
    2. Some common scams
    3. Keeping safe from telephone cold calls, e-mail scammers and online fraud
    4. Professional advisers
    5. Other types of advisers
    6. Complaints and ‘how to complain’
    7. Further reading
  9. 05    Your home
    1. Future-proofing your home
    2. What to do if staying put
    3. Moving to a new home – pros and cons
    4. Living in leasehold
    5. Home security
    6. Insurance
    7. Using your home to earn money
    8. Benefits and taxes
  10. 06    Health
    1. Keeping fit
    2. Organized activities
    3. Healthy eating
    4. How to keep healthy in the heat
    5. Food safety
    6. Drink
    7. Smoking
    8. Accident prevention
    9. Aches, pains and other abnormalities
    10. Health insurance
    11. Long-term care insurance (LTCI)
    12. Income protection (IP)
    13. Health screening
    14. National Health Service
    15. Complementary and alternative medicine
    16. Eyes
    17. Feet
    18. Hearing
    19. Sleep/insomnia
    20. Teeth
    21. Personal relationships
    22. Help for grandparents
    23. Depression
    24. Some common disorders
    25. Disability
  11. 07    Starting your own business
    1. Start a small business – in one page
    2. Yes, you can!
    3. Some of the differences between starting a small business and employment
    4. Why bother with a plan?
    5. What goes into a plan?
    6. Practical and emotional tips
    7. Keep on top of the paperwork
    8. Paying tax and National Insurance
    9. Marketing tips to fill your diary
    10. Trading formats
    11. Alternative ways of getting started
    12. Operational and other issues
    13. Insurance
    14. Property investment
    15. Further help, advice and training
    16. Useful reading
    17. Starting and running a business – checklist
  12. 08    Working for others – volunteering and paid work
    1. Volunteering opportunities
    2. Choosing the right voluntary work
    3. Animals
    4. The elderly
    5. Armed and ex-services
    6. Bereavement
    7. Children and young people
    8. Conservation
    9. Family
    10. Health and disability
    11. Heritage
    12. Politics
    13. Social welfare
    14. Long-term and overseas volunteering
    15. Searching for paid employment
    16. Open and flexible learning
    17. Employment ideas
    18. Jobs with travel
  13. 09    Hobbies and holidays
    1. Arts and culture
    2. Coach and rail holidays
    3. Cruising
    4. Education and learning holidays
    5. Gardens and gardening
    6. History and historical holidays
    7. Sport
    8. Hobbies and holidays for people with disabilities
    9. Hobbies and holidays for singles
    10. And some other ideas …
    11. Home-swapping holidays
    12. Travel insurance
    13. General information
  14. 10    Taking care of elderly parents
    1. Maintaining independence
    2. Key voluntary organizations
    3. Getting around
    4. Holidays
    5. Lasting power of attorney
    6. When help becomes necessary
    7. Emergency care for pets
    8. Practical help for carers
    9. Benefits and allowances
    10. Financial assistance
    11. Special accommodation for the elderly
  15. 11    No one is immortal
    1. Wills
    2. Provision for dependent adult children
    3. Money and other worries – and how to minimize them
    4. Funeral plans
    5. State benefits and tax
    6. Organizations that can help
  16. Useful resources and contacts
  17. Index
  18. Copyright