The Good Retirement Guide 2002

Introduction and Budget highlights. Part 1 Looking Forward to Retirement: Pre-retirement courses; Adult Education Centres; Financial organisations; Other commercial organisations; New focus for the retired. Part 2 Money in General: Doing the sums; Possible ways of boosting your retirement income; Spending now for saving later; Cherished plans, if affordable; Money - if you become redundant; Money left unclaimed; Cheques Act 1992; Covenants; Extra income. Part 3 Pensions: State pensions; Private pensions; Early leavers; Becoming self-employed; Minimum retirement age; Questions on your pension scheme; What to do before retirement; Protection for pension scheme members; Personal pension schemes; A lumpsum?; Pension rights if you continue to work after retirement age; Equal pension age; Divorce; Part-timers; Pensions for women. Part 4 Tax: Income tax; Tax allowances; Tax relief; Tax credits; Tax-free income; Income tax on savings; Tax rebates; Post-war credits; Capital gains tax (CGT); Inheritance tax; Independent taxation; Value added tax (VAT); Other expenditure taxes; Corporation tax; Self-assessment; Retiring abroad. Part 5 Investment: Sources of investable funds; General investment strategy; Annuities; National Savings; Variable interest accounts; Fixed interest securities; Equities; Individual Savings Accounts (ISA); Investment clubs; Small businesses; Long-term lock-ups; Alternatives to surrendering a policy; Investor protection. Part 6 Financial Advisers: Choosing an adviser; Accountants; Banks; Insurance brokers; Independent Financial Advisers (IFA's); Other pension advisers; Solicitors; Stockbrokers. Part 7 Budget Planner. Part 8 Your Home: Staying put; Moving to a new home; Moving in with family or friends; Sharing with friends; Retirement housing and sheltered accommodation; Other options; Making your home more practical; Heating; Tips for reducing your energy bills; Improvement and repair; Safety in the home; Home security; Insurance; Raising money on your home; Letting rooms in your home; Renting out your home on a temporary basis; Housing benefit; Council tax; Useful organizations. Part 9 Leisure activities: Animals; Adult Education; Adult Education Institutes; Arts; Crafts; Dance/keep fit; For people with disabilities; Games; Gardens and gardening; History; Museums; Nature and conservation; Pen friends; Public library service; Sciences and other related subjects; Scottish focus; Sport; Women's organisations. Part 10 Starting Your Own Business: Legal structure of business; Business names; Alternative ways of getting started; Taxation; Benefits in kind; National insurance; Pensions; Your responsibilities as an employer; Employment legislation; Trading regulations; Finding suitable premises; Insurance; marketing; raising finance; government grants and loans; Advice and training; Non-governmental sources of advice and training; Hotels and catering; Tourist boards; Useful Organisations. (Part contents).