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It would be great if we could all retire with a nice portfolio of savings and pension income, without having to worry about paying the bills most retired people pay.

Yet...many retirees are living out their retirement on the breadline without much hope for even going on holiday without being assisted by relatives or even handouts. Don't let yourself be one of them...it's never too late!




Title : How to Avoid Inheritance Tax
Author : Carl Bayley
Rating : 5 Stars out of 5.
Summary : The Definitive Book on Inheritance Tax How to Avoid It!

I have been looking for a clearly written book on Inheritance tax planning for some time and have bought several. I would say this one is the best because the author has an extremely engaging and user friendly style. He also uses lots of clear examples throughout. What I like about this book is that it discusses both simple and more sophisticated inheritance tax planning methods, remaining easy to follow from beginning to end.



Title : Wall Street on a Shoestring: Financial Success for Just Five Dollars a Day
Author : Clare La Plante
Rating : 4 Stars out of 5.
Summary : Highly recommended. Smart, well-written, very accessible.

An excellent and impressive treatment of a complex subject. With all the hype about investing in the stock market (and with recent the market swings up and down) it's great to have a basic primer that lays everything out in clear and easily understood language. I'm buying this book for my elderly mother, for friends who have wanted to try investing but have been afraid, and anyone intimidated by the jargon spewed by the financial media, which assumes a level of knowledge and experience beyond the typical American consumer.



Title : How to Retire Rich
Author : James O'Shaughnessey
Rating : 2 Stars out of 5.
Summary : Reasonable runaways - Best way to lose big monies!

Mr. O'Shaughnessy outlines several of his investment strategies and in particular his "reasonable runaways". If you look at his numbers AND factor in costs of establishing a similar group of stocks (something he neglects to do)the SP 500 is the clear winner.

A VERY IMPORTANT piece of investing advice that Mr. O'Shaughnessy advises against is the use of stop-limit orders in his portfolios. By neglecting to use this very important investment tool, you open yourself up to huge losses in the very questionable turnaround stocks that have just been run up in price. Most of these WILL go down and many they will go down big and not recover. Take the advise of someone that has been watching (and burned very badly) by taking his advice and not using stop-limit prices, USE THEM IF YOU EMPLOY THIS VERY RISKY STRATEGIE!!!

If you look at ANY of his mutual funds, you will clearly see that the performance of all of his funds badly trails the SP 500. His expense ratios are also out of line to the high side, something that he warns against in this book.

The three pieces of advice that are of any value in the entire book are to establish a plan, stick to it, and, if 87% (or so) of mutual funds (including his) do not match the performance of the SP 500, why are you investing in anything other than the SP 500?

Good luck to all!!!



Title : How to Retire Rich
Author : James O'Shaughnessy
Rating : 5 Stars out of 5.
Summary : Illuminating!!!

A must read for anyone who cares about their financial future. The cloud of confusion that shrouds Wall Street has been blown away. Finally, a simple, easy to understand investment guide that gives actionable advice. Forget about the 5,000 mutual funds that consistently underperform the market. Forget about this year's genius or this year's hot fund. Follow a discipline and stick to it through thick or thin. Thanks, O'Shaughnessy. This book summarizes everything I've learned about investing over the years, but, of course, not yet acted upon. That will change. ----Three things to count in life: death, taxes, and dismal stock market returns without an invesment strategy!----



Title : Rich Dad's Prophecy
Author : Sharon L. Lechter
Rating : 5 Stars out of 5.
Summary : Employed or Self Employed? - Financial Future SHOCKER!

This book has made me sit up and think! I'm shocked!

Millions of people depend on their plans for retirement income.

Yet, when programmes first became popular over two decades ago, Robert Kyosaki's rich dad WARNED that these plans would cause one of the BIGGEST stock market crashes in history... a crash that would financially destroy the unprepared. Now rich dad's prophecy is coming true.

* How the fears, dreams, and actions of millions of 'baby boomers' will control the economic future...

I understood from the book that although we had the NASDAQ exchange record its biggest ever one-day fall, back in April, 2000, - the worst is still yet to come!

Read it NOW, or you'll regret it!



Title : Ageing Body, Confused Mind
Author : Pete May
Rating : 5 Stars out of 5.
Summary : genius parody

This is such a funny book by an author who I thought could only write about football - specifically stuff on West Ham like "Hammers in the Heart", or the amateur league teams charted in "Sunday Muddy Sunday". How wrong I was. I'm planning to give a copy of "Aging body, confused mind" to any friend or relative over 30, partly as a joke and partly because it's good to be reminded to laugh at yourself however serious the world seems.



1. The Pension Service - State Pension - State Pension forecast
Information on State Pension, formerly known as retirement pension, from The Pension Service, part of the Department for Work and Pensions, UK.

2. The Pension Service - Guides and forms - State Pension forecast ...
Application form to get a State Pension forecast, br19, from The Pension Service. ... State Pension forecast - print [BR19] - [PDF file size 1.17Mb] ...

3. BR19 Retirement Pension forecast form
BR19. Please turn over. How to get a Retirement Pension forecast continued. What to do now. Please fill in form BR19 Application for a Retirement Pension forecast. ...

4. BBC - Northern Ireland - On Your Behalf
You can get a Retirement Pension forecast if you are more than four months away ... Please fill in form BR19 Application for a Retirement Pension forecast. ...

5. Getting a State Pension forecast : Directgov - Money, tax and benefits
Pensions and retirement. State Pension. Motoring. Travel and transport. Browse by people ... If you prefer, you can complete and return an application form (BR19) ...

6. Friends Provident - Getting a pension forecast
Download - Planning for your retirement workbook. Getting a pension forecast ... can provide you with a pension forecast when you complete and send form BR19. ...

7. State Pensions
A Retirement Pension forecast will help you to assess the value of the state ... Agency office, and ask for form BR19 Application for Retirement Pension forecast. ...

8. Social Security
BR19 05/02. How to get a Retirement Pension forecast. Please turn over ... Please fill in form BR19 Application for a Retirement Pension forecast. ...

9. State Pension forecast e-service - Launch - The Pension Service
The State Pension forecast e-service tells you how much State Pension you will get from the UK government in retirement, from The Pension Service, part of the ...

10. UK Retirement Pension Planning and Independent Financial Advice
You have to complete Form BR19, which is available on the website www.dwp.gov.uk. ... Again, when you receive your pension forecast, any benefits you are entitled to ...

11. DWP - Services and benefits - Pensions and Retirement
Information about DWP services and benefits for pensioners and people ... State Pension Forecast [BR19] (this link takes you to The Pension Service website) ...

12. State Pension forecast e-service : Directgov - Do it online
Calculate what your State Pension is likely to be on retirement at the Pension Service website ... form (BR19) and sending it to the State Pension Forecasting ...

13. Legal & General - Pensions - Stakeholder Pension calculator
... pension contribution calculator to plan your optimum retirement income. ... a forecast of your expected State Pension you'll need to complete a BR19 form, ...

14. Pension Glossary
Upon request, a written forecast may be obtained from The Pensions Service ... to the National Insurance Pension (State Pension) at retirement age (Form BR19) ...

15. Saving for retirement
Getting a Pension Forecast. The Retirement Pension Forecasting Advisory. Service can provide you with a Pension Forecast. when you complete and return Form BR19. ...

16. Retirement
Your retirement date will be displayed on screen. State Pension Forecast ... Note: Ask them for a forecast form (BR19). Contacts ...

17. Retirement - OPIN Resource Directory Entry
The leaflet BR19 'How to get a Pension Forecast' is helpful as a guide to your ... Leaflet BR19 'How to get a Pension Forecast' Financial Services Authority website ...

18. Pension Options at Retirement
An Intoduction to Pension Options at Retirement by Arch Financial Planning Limited ... also print off the State Pension Forecast Form (BR19) and then post it to the ...

19. Retirement
Advice in retirement and pensions. ... forecast of your retirement pension ... BR19 from a social security office, contact the Retirement Pension Forecast and ...

20. PensionsInformation.com - State Pensions - Your guide (PM2)
... and how to plan for a better retirement. This site includes guides to many aspects of ... The State Pension forecast is based on our knowledge of your current ...

21. Pensions
I am approaching retirement. I am retired. State Pension forecast - application form ... State Pension forecast - print [BR19] - [PDF file size 196kb] ...

22. Social Security
BR19. Please turn over. 2/01. Print Form. How to get a Retirement Pension forecast ... Please fill in form BR19 Application for a Retirement Pension forecast. ...

23. RETIREMENT CONFUSION
pension you will receive when you reach the state retirement age of 65. The forecast includes ... Pension Centre on 0845 300 0168 or download a BR19 form ...

24. State Pension Forecast (BR19) on Hold!
... State Pension Forecast (BR19) on Hold! State Pension Forecast (BR19) on ... of said customers will probably be more than 3 years from retirement right now. ...

25. How to get a State Pension forecast
Your forecast will tell you in today's money values how many units of Graduated Retirement ... Please fill in form BR19 Application for a State Pension forecast. ...

26. Financial planning
A Retirement Pension Forecast from the Department for Work and Pensions (DWP) will tell you: ... forecast contact your local Benefits office for form BR19, or ...

27. Redundancy Help early retirement
Redundancy help - Free independent advice on Redundancy ... Retirement Pensions Forecast Unit: Form BR19 Application for a Retirement Pension forecast ...

28. Free pension information - State Pensions - State pension forecast from ...
... a free service which estimates what your state pension might be at retirement. ... To apply for a forecast you can either get a form BR19 from your local social ...

29. The Pension Service - Guides and forms - Guides for those planning ahead
... help you plan and save for your retirement and where to go for further help and advice. ... State Pension forecast print [BR19] ...

30. RAF Community Support | Government Benefits | Department for Work and ...
Pensions and Retirement. The following are available from ... Retirement Pension Forecast [BR19] Retirement Pension Forecast [BR19] Managing on a low income ...

31. PensionsInformation.com - Pensions for women (PM6)
You can contact the Retirement Pension Forecasting Team on 0845 3000 168 and ... upon Tyne NE98 1BA for a forecast application form (BR19) and a return envelope. ...

32. State pensions: Retirement confusion | This is Money
The forecast includes both your entitlement to the basic state pension and to ... Pension Centre on 0845 300 0168 or download a BR19 form from The Pension Service ...

33. Pensions - State Pension Forecast | UK State Pensions Forecast
Retirement Pension Forecasting Team. Room TB001. Tyneview Park. Whitley Road. Newcastle-upon-Tyne ... (Ask them for a forecast form (BR19) ...

34. Banking Glossary - pension forecast
... to the National Insurance Pension (State Pension) at retirement age (Form BR19) ... Graduated Retirement Benefit. National Insurance (NI) Basic Pension ...

35. Additional Information - IPIFA
Pre-Retirement Reconstruction. Pensions Transfer Bureau Services ... On Retirement : Counsel's Opinion ... Pension Forecast : DSS Form BR19 ...

36. Scottish Transport Credit Union - Pension matters - State Pension
1. Complete a BR19 pension forecast form print and post by clicking here. ... Pensions Retirement Pension Forecasting Team will reply with a forecast showing ...

37. Retirement Benefits | webooks
... to in addition to your state pension. We tell you what you should be ... You can request a pension forecast at any time before you retire by applying for ...

38. Seafarers' Advice & Information Line
You can obtain the application form BR19 (from your local Jobcentre Plus office ... Your Retirement Pension Forecast will be sent to you up to 40 working days after ...

39. Retirement UK | state pensions | retirement benefits
By submitting the BR19 form a members state scheme rights can be determined in ... The statement will forecast expected basic pension plus SERPS based upon ...

40. You and your money
Or, if you prefer write to your local DWP office and request form BR19. ... Retirement. Free forecast of your State Pension at www.pensions.gov.uk ...



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