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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 : Sell Up and Sail: Taking the Ulysses Option (Sailmate S.)
Author : Bill Cooper
Rating : 2 Stars out of 5.
Summary : Cruising aboard a small liner

A good read, with a little helpful advice. However, I can't imagine anyone wanting to follow the Coopers example by cruising in a 25metre plus barge complete with bath, saloon fitted out like a gentleman's club and small car on the foredeck.

Bill has some amusing insights but does use this book to put forward his rather Victorian attitudes to 'Johnny Foreigner' and, his particular pet hate, 'Greens', which seems to cover anyone with even a passing interest in the conservation of the planet.
Some of the advice is poorly thought out, for example 'Avoid accidents needing blood transfusions'!



Title : Rich Dad's Retire Young, Retire Rich: How to Get Rich Quickly and Stay Rich Forever! (Rich Dad)
Author : Robert T. Kiyosaki
Rating : 1 Stars out of 5.
Summary : Perpetual Motion Machine

The search for easy wealth is akin to the search for the "perpetual motion machine". It doesn't exist and this book also fails to deliver. Much of the advice deals with the USA only and the tax advice does not apply to the UK. Anyway if everyone took up the advice and reduced their payment of taxes governments would collapse; but then they wouldn't - the tax goal posts would be moved. I was unimpressed by the advice which could have been written on three pages, the rest being a repetitious mantra of this imaginary "rich dad" anecdotes.
My advice on the first step to being wealthy is save your money and do not buy this book



Title : Roth to Riches: The Ordinary to Roth Ira Handbook
Author : John D. Bledsoe
Rating : 2 Stars out of 5.
Summary : Some crucial points are no longer valid due to new regs.

This would have been a very excellent book had publication been withheld until after the Taxpayers' Relief Act of 1998 had been signed into law. Mr. Bledsoe was aware there were going to be important changes and he provideded a form in the back of the book, that the reader can use to send for an update on the the new regulations. Unfortunately the turn arround time for the update is quite slow. As the book reads in its present form, some very important areas are no longer accurate and an unwary reader could be lured into making a mistake in choosing a Roth IRA.



Title : Reverse Mortgages for Beginners: A Consumer Guide to Every Homeowner's Retirement Nest Egg
Author : Ken Scholen
Rating : 5 Stars out of 5.
Summary : Excellent! Great intro to reverse mortgages.

Reverse mortgages allow senior citizens to continue living in their home, while generating a significant amount of cash for living expenses. Author Ken Scholen has put his considerable expertise on reverse mortgages into this basic guide. Whether you're thinking about a reverse mortgage for yourself or for a parent, learn about your options from this objective source, before you hear a banker's sales pitch.



Title : Get a Life: You Don't Need a Million to Retire Well (Get a Life: You Don't Need a Million to Retire Well)
Author : Ralph E. Warner
Rating : 5 Stars out of 5.
Summary : This is the best retirement planning book I've ever read!

This is the first retirement planning book I've ever read that realistically addresses how much money you really need to save for the lifestyle you want. I now realize that I don't need to save millions, that my current saving plan is perfectly adequate for the lifestyle I want. I can relax, enjoy my life and family, and work on retaining my health.



Title : The Three Boxes of Life: How to Get Out of Them
Author : Richard Nelson Bolles
Rating : 5 Stars out of 5.
Summary : This book will allow you to build the best lifestyle for you

Remember the Saturday Night Live episode when Eddie Murphy dresses up as a white man, make-up and all. Remember how all the rules would change for him as soon as he "became" white. Well, this book reveals the secrets of the white man, the ins-and-out of the current system. How to gather scholarships, how to look for work, how to still have a life...Richard Bolles helps us all become who we want to be. For example, don't look for work in the paper, look for companies you wish to work for and begin to hunt for the position you really want.



1. Will the Retirement Age be Scrapped - Retirement Expert (UK)
The debates surrounding the current statutory retirement age and the main reasons behind that in addition to the legislation on age discrimination which was ...

2. BBC NEWS | Business | Setback in retirement age battle
... European Court of Justice, backed current UK rules - although the view is not binding. ... third of UK employers have a mandatory retirement age, but this ...

3. Employer Pensions UK | Pensions | Operating the Scheme
... including scheme approval and Retirement Age, Winding Up, Bulk Transfer and ... received at normal retirement age based on the current pensionable earnings and ...

4. Saga Census
73% of people aged 50 to the current statutory retirement age will be working by 2020 ... be an additional 3.15m people aged 50 and over in the UK workforce ...

5. BBC NEWS | Science/Nature | Retirement age 'should reach 85'
UK version International version|About the versions. Low graphics ... economies around the world if current retirement ages are maintained, he warned. ...

6. Deferring retirement pension questions and answers - IS12 | Age Concern ...
This information sheet explains the rules and the things to consider to help you ... You don't have to claim your state pension at the current retirement age. ...

7. Social Security (United States) - Wikipedia, the free encyclopedia
Provides information on Social Security in the United States, its retirement and disability programmes and benefits. Website offers details of Social Security ...

8. DWP - Services and benefits - Pensions and Retirement
... a dedicated service for current and future pensioners (This ... The Over 50s section is relevant to people approaching pension age as well as pensioners. ...

9. Retirement - Wikipedia, the free encyclopedia
User-created article on retirement that describes what it is, the retirement age, support and funds, as well as life after retirement. Includes some related links.

10. IFAonline.co.uk - Under-30s want early retirement despite pension age ...
... possibility of an increase in the state retirement age to 68 by 2050. ... may have to work past current retirement age to secure a satisfactory pension. ...

11. UPDATE: Judicial Review case referred to ECJ - effect on forced ...
Employees over age 65 who are forced to retire against their wishes may now be able to start claims in the employment tribunal.

12. Retirement age stays at 60 for current NHS doctors, UK
Doctors currently in the NHS Pension Scheme, along with all other current scheme members, will be able to retire at 60* and will be unaffected by the government's ...

13. The Pension Service - Approaching Retirement
Use our State Pension age calculator to find out when you will be entitled to ... entitled to a higher State Pension than you would be under the current rules. ...

14. Age Retirement
Location: PCSPS(NI) Home > Leaving > Age Retirement. Information for current members ... you can draw your partnership pension at any time between the ages of ...

15. The Employers Forum on Age
... age in employment, ageism, demographics, age laws and regulations, retirement, ... of the UK workforce effectively, then the current concept of retirement needs a ...

16. Changes to your Retirement Age
current chosen retirement age. It is important that you start thinking ... invested in with-profits will be switched. at your current chosen retirement age to ...

17. Retirement
Duty to Consider' Procedure for Staff Approaching Retirement Age. Making a Request ... market forces (ie the current availability within a department or the general ...

18. 3:1 Item No: 3 By: Chief Fire Officer To: Personnel Committee - 21 ...
the extension beyond current retirement age of 65. In essence this provides for the ... beyond the current compulsory retirement age subject to the fulfilment ...

19. Working part-time after you retire : Directgov - Money, tax and benefits
... UK government. Please note that this website has a UK government ... your current benefits. Bear in mind that any money you earn after State Pension age may ...

20. Retirement and age discrimination: Will you still need me when I'm 65?
If the legal challenge to the UK's mandatory retirement age succeeds in the European courts employers may have to ... current UK mandatory retirement age is ...

21. Debate on Normal Retirement
part of the current pension concern in the UK. would be resolved. ... current retirement age regime creates a. unilateral right for employers to terminate a ...

22. Good practice - Retirement - Age Positive
... staff involved in managing retirement are aware of current regulations and of ... Retirement. There is no official retirement age in the UK. ...

23. Centre for Future Studies
The increased affluence of British people, the strong pound and booming UK ... considering proposals to raise the current age of retirement to stave off the ...

24. Flexible Retirement:
consider' working beyond retirement age (in. order to encourage/formalise a process whereby ... impacts on current and future flexible retirement. practices. 5 ...

25. Retirement Age and Discrimination | Employment Lawyers' Checklist
Employers are duty bound to comply with the Employment Equality (Age) Regulations, so as to not discriminate on the basis of age. UK Employment lawyers discuss.

26. Labour sidesteps call to abolish retirement age - Telegraph
... from forcing workers to retire before 65 as part of new age discrimination laws to come into ... UK News. Labour sidesteps call to abolish retirement age ...

27. Sean McAllister Meets Malcolm Wilcox, Co-Founder of... | Article
08-JUN-07 - TOM: LANGUEDOC WINES ARE DAD'S PASSION I WAS NEVER PUSHED INTO THE FAMILY BUSINESS BUT I could tell from an early age that this was the... | Free With Signup

28. Retirement Today - The Magazine for Pre and Post Retirement
Welcome to Retirement Today. The magazine for pre and post retirement. Current Issue ... from previous editions of Retirement Today in our Article Archive. ...

29. Retirement Seminars and Information, Pre-Retirement Courses - UK
Offers information about tax, pensions, seminars, and benefits for people in the U.K. who are retiring or redundant. ... You will find current rates of benefit, ...

30. Rise in retirement age is 'inevitable' - Telegraph
A rise in the state ... UK News. Rise in retirement age is 'inevitable' By George Jones, ... A later retirement age would be introduced by 2020, but it would ...

31. age diversity, age discrimination, ageism legislation, ageism advice ...
Overview of UK Ageism Legislation, Age Diversity resources and ideas, implcations for recruitment, training, benefits, pay, retirement and pensions.

32. Policies & Procedures
... age limits in the statutory redundancy scheme, but leave the current age-banded ... 1. Retirement at age 65 (or in the following September if applicable) ...

33. opdu -Age, Discrimination and Pensions
Therefore, the UK interpretation of the legislation allows an employer to set a ... For employers with a current contractual retirement age of 65, the natural ...

34. MANDATORY RETIREMENT: A REVIEW OF THE LITERATURE ON KEY ISSUES
Retirement ages in the UK: a. review of the literature. PAMELA MEADOWS ... modest, mainly because there is little evidence of a current pent ...

35. Legislation - Age Positive
ban unjustified retirement ages of below 65. ... age limits in the statutory redundancy scheme, but leave the current age-banded system in place. ...

36. Guardian | Retirement
Retirement. The government may raise the minimum age of retirement from 50 ... are the current rules on ... plan to go about raising the retirement age? ...

37. Age
By the end of 2006, in the UK, half of everyone aged 16 or over will be over 50. ... Remove the current age limit for unfair dismissal and redundancy rights. ...

38. Ministers to abolish fixed national age of retirement - UK Politics, UK ...
The national retirement age, fixed at 65 for men, is to be abolished, with ... their state pensions, which is allowed under current law up to the age of 75. ...

39. Flexible Retirement and Retirement: Age Positive Guide
age in the UK the new age law. introduces a default age of 65' but this ... the culture of the organisation and current. communication systems will determine the ...

40. Where to invest your Stakeholder Pension: HSBC Bank UK
Current accounts. Savings. Investments. Credit Cards. Loans. Mortgages. Insurance ... If you change your chosen retirement age while you are investing in the ...



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