Chapter
A final word on doing the sums
Other possible ways of increasing your retirement income
02 Pensions, savings and financing
your retirement: The ‘treacle’ chapter
The importance of pensions and
investment planning
Understand your State Pension entitlement
Defined contribution pensions
Beware of predators stalking your pension
Protection for pension scheme members
Other sources of help in retirement – benefits
Equity release
(selling off part of your home)
Savings as part of your retirement planning
Sources of investable funds
General investment strategy
National Savings and Investments (NS&I)
Variable interest accounts
Fixed interest securities
Equities and some other investments
Investing for your grandchild
But it’s all so complicated – and what about Betty down the road?
Income tax on savings and investments
Inheritance Tax and wills
04 Super Saturday, scams and complaints
Super Saturday defeats over-charging
Protecting yourself from the scammers
Keeping safe from telephone cold calls, email scammers and online fraud
Complaints and ‘how to complain’
Future proofing your home
What to do if staying put
Practical suggestions for reducing your energy bills
Structural repairs and improvements
Earning money from your home
How to keep healthy in the heat
Aches, pains and other abnormalities
Complementary and alternative medicine
07 Starting your own business
Start a small business – in one page
Some of the differences between starting
a small business and employment
Practical and emotional tips
Keep on top of the paperwork
Paying tax and National Insurance
Marketing tips to fill your diary
Alternative ways of getting started
Operational and other issues
Further help, advice and training
Starting and running a business – checklist
08 Working for others: Volunteering and
paid work
Volunteering opportunities
Citizens Advice – now there’s a thought, and maybe an opportunity for you!
Choosing the right voluntary work
Children and young people
Long-term and overseas volunteering
Searching for paid employment
Education at home and learning holidays
Heritage, history and related holidays
Hobbies and holidays for people
with disabilities
Hobbies and holidays that can be done on your own
10 Taking care
of elderly parents and relatives
Key voluntary organizations
Lasting power of attorney
When help becomes necessary
Practical help for carers
Special accommodation for the elderly
Provision for dependent adult children
Money and other worries – and how to minimize them
Organizations that can help
Useful resources and contacts