retirement REVIEW |
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halifax retirement home plan |
state retirement pensionIt 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.
If you've read some of the Rich Dad, Poor Dad books before, the main new information in this book is an explanation of why stock market investing with pension money is a dangerous way to grow your "wealth." In addition to being at risk from con men, thieves, incompetents, brokerage houses and market volatility, you face the ticking time bomb of a growing number of U. S. investors being legally required to liquidate their holdings beginning at age 70 1/2. As the Baby Boom generation turns 70 1/2 beginning in 2016, the selling moves from being a trickle into being a torrent that overwhelms new funds into the market at some point . . . followed by an inevitable collapse in stock values. If you want a more detailed, confirming discussion of this issue, the book, What If Boomers Can't Retire?, is a good choice. Harry S. Dent, Jr.'s demographic books also look at this issue. If you already believe in the messages of the earlier books, you could skip this one . . . especially if you have already decided to avoid or minimize stock-market investments. If you have read none of the Rich Dad, Poor Dad series, I suggest that you start with Rich Dad, Poor Dad before tackling this one. You'll understand this book better if you do. The other problem with traditional defined contribution pension investing (usually by 401-k plans), of course, is that a pension fund contribution takes lots of cash out of your pocket (unless the employer matching is very generous -- way more than 2:1) to put some money into the retirement account. So you face the possibility of being much poorer in cash flow while you save for retirement investing and poorer when you cash out of the investment after you pay the taxes on what you take back in what could be smaller values. Imagine if you had had to start withdrawing from your pension fund in 1929. That's one nice illustration that I enjoyed in the book. Possibly, the same could occur after 2016. Who knows? The second half of the book advises you on how to build a financial ark against hard times by relying on building cash-generating businesses and investments (such as rental properties) after you achieve your financial education (which you didn't learn in school, even if you got a business degree from most schools). You are encouraged to start small and develop various kinds of control over your emotions, advisors and actions. It's all sound advice. My only complaint is that people who are going to start making real estate investments and building cash-generating businesses need a lot more information than is here. I graded the book down one star, accordingly. The first half of the book could have been shortened up quite a bit, but for those who are unaware of the demographic time bomb's potential effect on their investments, it may help to get the story in small doses. The surprise for a lot of people in this book is going to be that what they hear every day from best-selling "authorities" about the "right rules" of retirement investing could easily turn out to be wrong for them. After you absorb and begin to apply these lessons, I suggest that you think about where in your life the conventional wisdom led you down the wrong path. Where else could that be happening to you now?
1. The Pension Service - State Pension - Basic State Pension
Information on State Pension, formerly known as retirement pension, from The Pension Service, part of the Department for Work and Pensions, UK. 2. Understanding the basic State Pension : Directgov - Money, tax and benefits ... to know about the basic State Pension - what it is, who qualifies ... Pensions and retirement. State Pension. Motoring. Travel and transport. Browse by people ... 3. State Retirement Pension - Social Security Agency State Retirement Pension is a taxable benefit, tax will only be due if the ... State Retirement Pension is not affected if you receive Attendance Allowance or ... 4. Retirement and pensions : Directgov - Over 50s Information on retirement and pensions for over 50s including planning ... Understanding the basic State Pension (money, tax and benefits section) ... 5. State Pensions UK | Pensions | Pensions in Retirement Find out about uk Basic State Pensions are paid in full to individuals with National Insurance contributions paid during their working life. 6. State retirement pension - Help the Aged Learn about the pension crisis; State retirement entitlement; pension credits and claiming benefits. ... State Retirement Pension ... 7. State Pension Easy UK Guide The British State Pension. Everything you wanted to know but were afraid to ask. ... The Basic State Retirement Pension for a single person is approx £3,150 pa. ... 8. Entitlement to a State Pension - Help the Aged What is a State Pension and am I entitled to a State Retirement Pension? ... Certificates on State Retirement Pension see the section ... 9. Pension - Wikipedia, the free encyclopedia Many countries offer state-sponsored retirement benefits, beyond those provided ... can expect an income from the state pension scheme after their normal retirement. ... 10. 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Welfare Rights on the Net ... Pension. Retirement Pension is for people who have reached state pension ... a claim form for Retirement Pension 4 months before you reach state pension age. ... 20. Social security pensions: the state pension The state pension is commonly called the National Insurance retirement ... An individual qualifies for the state pension if he or she reaches pensionable ... 21. Social security benefits: the State pension individuals who have made national insurance contributions qualify for state retirement pension at the age of 60 for women or 65 for men 22. DHSS Social Security Retirement Pension - Isle of Man DHSS Website Social Security division information about Retirement Pension. ... to get if you are approaching state pension age or thinking about retirement. ... 23. You and your money Retirement. The pension reforms. The state pension. The State Second Pension (S2P) ... qualify yourself for the full basic state pension at the state retirement age. ... 24. 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Ireland's Business and Financial Information Resource- Finfacts Mortgages Life Pensions Investment Centre - Irish State Retirement Pensions, Pension, Contributory, ... 29. Union of Shop, Distributive and Allied Workers: Pensions subsite pages ... ... Pension. Also called the old age pension or basic State Pension. ... You can get a forecast of what your Retirement Pension and State Second Pension will be. ... 30. State Pensions - moneto.eu An introduction of the state pensions, and who is entitled to it. ... Early / Late Retirement. State Benefits. State Pension Tax. State Pensions for Foreigners ... 31. State pension - Planning your retirement - Your money - Which? Advice Planning your retirement. Retirement countdown. State pension. Other retirement options ... need for retirement yourself - but equally, a state pension isn't going to ... 32. 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state retirement pension online resources. |
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