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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 : Rich Dad's Retire Young, Retire Rich: How to Get Rich and Stay Rich Forever! (Rich Dad's Advisors Series)
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 : 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 : 4 Stars out of 5.
Summary : A common sense approach to planning for retirement.

This book should be required reading for people in their 30's and 40's. It emphasizes keeping active, having a wide variety of interests, and developing friends of all ages. It's a good antidote to all those financial planners who try to make you feel guilty about not having "X" millions of dollars invested so they can make commissions off your money. A good gift for middle age yuppies.



Title : Non-Resident Offshore Tax Planning
Author : Lee Hadnum
Rating : 5 Stars out of 5.
Summary : A Great Read

Unfortunately it's not at straightforward as the previous poster is suggesting.Both the UK and Spain domestic tax rules can levy CGT on the disposal of assets for both residents, as well as where assets are located within their jurisdiction.

This is where double tax treaties come into play, and in the case of a Spanish resident owning property in the UK, the double tax treaty articles 13 (1) and 24(4) can ensure that any gain is taxed in the UK. Fortunately, you can usually avoid UK CGT by remaining non resident for a period of at least five complete tax years. In terms of Spanish tax, whilst the Spanish may be able to levy tax on the gain, the current position is that in practice many residents have found that the Spanish revenue authorities have not been interested in the gain arising in the UK.

So the book is in practice correct and a very interesting and informative read to boot.



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 : Excellent Contrarian Viewpoint

This book should be required reading for anyone who thinks about retirement, from those just starting out in their 20's and 30's to those nearing retirement. The book is a refreshing, contrarian view to the conventional wisdom of "save tons of money for retirement", "you'll need 70-100% of your current income in retirement", etc., etc., etc. The traditional retirement literature is focused almost exclusively on money, with which Warner takes exception.

Warner's focus is on the whole person - he makes a very compelling argument that money is a FACTOR in a good retirement, but that it is also important to cultivate health, outside interests, friendships and family. He believes these latter factors have a FAR greater influence on a successful retirement than money. He bases this viewpoint on research among those enjoying active, successful retirements.

Warner is not a Pollyanna, saying not to even think about retirement savings (as some critics seem to suggest). The book contains some common sense ideas on savings and admits that having SOME money may help. Warner's point, however, is that money alone isn't going to make you have a successful retirement if you neglected your family, friends, outside interests, spirituality and health in order to get the money.

I highly recommend this book to anyone who ever thinks about retirement. You may not agree with the proposition, but the book will really help expand your view of the elements of a good retirement and may help you plan a more enjoyable life.



1. Scottish Public Pensions Agency - NHS Scheme - Retirement
... Agency of the Scottish Executive. The Agency administers and regulates the NHS and teachers' pension schemes in ... retire early because of ill-health ...

2. NHS Pension Scheme in England and Wales / Members / Changes to the Scheme
... ill-health benefits, who return to work in the NHS before normal retirement age ... are set out in the NHS Pensions' booklet about early retirement. ...

3. 1637 individuals retired due to ill health in 1999-2000 … 674 teachers ...
Ill health retirement of teachers and NHS staff in. Scotland the ... employment status of NHS staff one year after early retirement because of ill. health. ...

4. Scottish Public Pensions Agency - NHS Scheme - FAQ
How do I apply for ill health retirement? Can I transfer my benefits ... An application to retire early because of ill-health should be made to your employer. ...

5. Introduction
you have to retire early. because of ill-health and you. are either: a member of the NHS ... early retirement in. your Guide to the Scheme. 2. 1. Ill Health ...

6. NHS Employers: FAQs: ill health review
These frequently asked questions are about the partnership review of ill health retirement, injury benefit and sickness absence in the NHS.

7. NHS Employers: Early retirement in the interests of the service
Information about early retirement of staff 'in the interests of the service' ... NHS Pension Scheme review. NHS Ill Health Retirement Review. NHS redundancy review ...

8. FAQ. Pension NHS
voluntary early retirement. * ill-health retirement benefits. ... An application to retire early because of ill-health should be made to your employer. ...

9. Ill-health retirement and sickness absence review - Workplace issues ...
Ill-health retirement and sickness absence in the NHS - new arrangements. 4 Apr 2008 ... Improved Occupational Health services, including early access to ...

10. Ill-health retirement review: consultation now open until 21 January ...
... proposals for managing sickness absence and ill-health retirement in the NHS. ... them responsible for recognising health problems at an early stage and take ...

11. Who retires early from the NHS because of ill health and what does it ...
Who retires early from the NHS because of ill health and what does it cost? ... This is the first major study of retirement because of ill health in the NHS. ...

12. Med-IFA - NHS Pension Scheme Information - Specialist Financial Advice ...
Med-IFA - NHS Pension Scheme Information - Specialist Independent Financial Advice for Dentist and Doctors, Including ill health retirement and enhancing retirement ...

13. Med-IFA - NHS Pension Scheme Information - Specialist Independent ...
... Independent Financial Advice for Dentist and Doctors, Including ill health retirement and enhancing retirement ... ILL HEALTH BENEFITS. ILL HEALTH EARLY ...

14. THE NHS STAFF COUNCIL
The minimum qualifying service for ill-health retirement. will remain at 2 years. ... permanent ill health. retire early because they are unable to carry out their ...

15. early retirement in the nhs, early retirement in the nhs resources
you have to retire early. because of ill-health and you. are either: a ... NHS staff one year after early retirement because of ill health; a national ...

16. Return to work after ill-health retirement in Scottish NHS staff and ...
Keywords Ill-health retirement; NHS staff; return to work; ... NHS staff one year after early retirement because of ill health; a national prospective study. ...

17. Ill health summary:Mod. medical... briefing
... review of ill health retirement, NHS injury benefit scheme ... early retirement. This would involve a reduction in the. employer contribution rate to the NHS ...

18. Avoid the Pitfalls of Early You and Your Pension | Article
20-JAN-06 - Take steps now to make retiring before the age of 60 affordable. Paul Kendall shows you how. GPs wanting to retire earlier than the... | Free With Signup

19. doi:10.1093/occmed/kqi069
prior to ill-health retirement in NHS staff in. Scotland ... Employment status of NHS staff after early. retirement because of ill-health was also determined. ...

20. Med IFA
Med-IFA - NHS Pension Scheme Information - Specialist Independent Financial Advice for Dentist and Doctors, Including ill health retirement and enhancing retirement ...

21. sectional study health and what does it cost? A national cross Who ...
Who retires early from the NHS because of ill health and. what does it cost? ... The scheme allows early. retirement because of ill health for employees "incapa ...

22. Ill-health retirement: national rates and updated guidance for ...
... of retirement due to ill-health in National Health Service (NHS) Trusts and ... in rates of early retirement due to ill-health within and between organizations ...

23. NHS Employers and health service unions launch consultation on ill ...
... approach for staff sickness absence and ill health retirement in the NHS. ... them responsible for recognising health problems at an early stage and taking ...

24. Wandsworth Primary Care Trust NHS
local primary care and community health services in Wandsworth ... Early Retirement, Redundancy and Ill Health. Notes for Pensioners and Dependants ...

25. Policy Retirement Policy Policy number 6 Approved 14 September 2001 ...
The NHS Pension scheme operates a Voluntary Early Retirement scheme. Under this ... Alternatively, an employee may request consideration for early retirement on ill ...

26. Finance Division: Pensions
... may apply to the Trustees for an immediate ill health early retirement pension. ... NHS. Stakeholder. Retirement. Pensioners. Contact Details (Oxford staff ...

27. Retirement policy 1. Introduction 1.1
... Trust may decide to recommend early retirement on grounds of ill health where an ... Voluntary early retirement arrangements for NHS Pension Scheme members were ...

28. BBC News | HEALTH | The ill effects of retirement
BBC Doctor Colin Thomas recalls one attempt to pull the wool over his eyes. ... One incident early on in my occupational health career taught me a big lesson ...

29. Manchester Mental Health and Social Care Trust
6.4 Ill-Health Retirement: Separate NHS Pension Scheme provisions are. applicable for early retirement on the grounds of ill health for employees with ...

30. Unions criticise proposal to curb early retirement - Telegraph
... 20 years of NHS experience, duplication of earnings during sickness ... Action needs to be taken to reduce ill health retirement [11 Jul '00] - HM Treasury ...

31. Working here - Pensions
... benefits provided by the NHS Pension Scheme. Early Retirement ... to members who retire early through Ill Health, Redundancy or for Voluntary reasons ...

32. Search results : Department of Health
... NHS early retirement arrangements. New voluntary early retirement arrangements ... Managing ill health retirement in the NHS: a guide for human resources and ...

33. New absence management standards for the NHS
In future, two tiers of early ill-health benefit will be paid, based on member's ... NHS makes sickness absence and ill-health retirement deal with employees ...

34. Cancer survival rates hampered by shortage of NHS pathologists - Health ...
Seriously ill patients are missing out on life-saving ... Training can take up to 15 years, and large numbers of pathologists are taking early retirement. ...

35. RemedyUK Magazine - NHS Pensions Scheme changes
... in NHS pension that comes about due to drawing the benefit early, or better ... Ill health retirement changes ... to the ill health retirement benefit. ...

36. Nottinghamshire Healthcare
Following implementation of the new NHS terms and conditions, we offer a ... Voluntary early retirement benefits. Ill health retirement benefits. Redundancy benefits ...

37. Ill Health Pensions
Information for Officers and Activists on Ill Health Retirement and the NHS Pension Scheme ... Service Awarded on Ill Health Early Retirement. 2 yrs 5 yrs ...



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