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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 : The Joy of Not Working: A Book for the Retired, Unemployed, and Overworked
Author : Ernie J. Zelinski
Rating : 5 Stars out of 5.
Summary : This book should be required reading for everyone over 15!

Everyone should read this book as soon as possible -- not just the retired, the unemployed, and those otherwise without work. Even though this book confirms my beliefs of making the most of life and leisure, Ernie still manages to make me think some more. I have recommended this book to many of my family, friends, and former (since I have quit the corporate life too!) colleagues. Ernie makes it clear that there is more to life than a job, TV, and materialistic dreams. I'm buying 5 copies to give to family and friends!
Ron Verstappen



Title : Social Security, Medicare, and Government Pensions: Get the Most Out of Your Retirement and Medical Benefits (Social Security, Medicare Government Pensions)
Author : Joseph L. Matthews
Rating : 5 Stars out of 5.
Summary : Great summary of the Social Security system!

This happens to be the best all-around book concerning the difficult subject of Social Security that I have read. Understandable and very well written. The sections regarding disability are filled with just the info I needed to know.



Title : The Bond Book
Author : Annette Thau
Rating : 5 Stars out of 5.
Summary : Highly Recommended!

This is an accessible introduction to bonds by a financial professional whose first book - as unlikely as it may seem - was a study of Max Jacob, the French poet. The literary background of the author, Annette Thau, may account for her book's clear, easy-to-read style. Most authors who write about bonds tend to get lost in the complex mathematics and specialized jargon of the bond markets. Not Annette Thau. Whether you are an individual investor trying to balance your portfolio with bonds, or a student of finance looking for a more lucid explanation of the subject than you can find in your textbooks, we highly recommend this book to you.



Title : The Inheritance of Loss
Author : Kiran Desai
Rating : 5 Stars out of 5.
Summary : "Mythic battles of past and present, justice and injustice."

Writing with wit and perception, Kiran Desai creates an elegant and thoughtful study of families, the losses each member must confront alone, and the lies each tells to make memories of the past more palatable. Sai Mistry is a young girl whose education at an Indian convent school comes to an end in the mid-1980s, when she is orphaned and sent to live with her grandfather, a judge who does not want her and who offers no solace. Living in a large, decaying house, her grandfather considers himself more British than Indian, far superior to hard-working but poverty-stricken people like his cook, Nandu, whose hopes for a better life for his son are the driving force in his life.

The story of Sai, living in Kalimpong, near India's northeast border with Nepal, alternates with that of Biju, Nandu's son, an illegal immigrant trying to find work and a better life in America. Biju, working in a series of deadend jobs, epitomizes the plight of the illegal immigrant who has no future in his own country and who endures deplorable conditions and semi-servitude working illegally in the US. As Desai explores the aspirations of Sai and Biju, the hopes and expectations of their families, and their disconnections with their roots, she also creates vivid pictures of the friends and relatives who surround them, creating a vibrant picture of a broad cross-section of society and revealing the social and political history of India.

Though Sai's romance, at sixteen, with Gyan, her tutor, provides her with an emotional escape from Kalimpong, it soon becomes complicated by Gyan's involvement with the Gorkha National Liberation Federation, a Nepalese independence movement which quickly becomes bloody. Gyan's commitment to the insurgency offers an ironic contrast with the commitment of his family to the colonial British army in earlier times, just as the judge's hatreds, learned in England, are ironically contrasted with his British affectations in later life.

A careful observer of behavior, with a fine eye for revealing details, Desai brings her narrative and characters to life, illustrating her themes without making moral judgments about her characters-creating neither saints nor villains, just ordinary people leading the best lives they can, using whatever resources are available. Her characters, like people from all cultures, make sacrifices for their children, behave cruelly toward people they love, reject traditional ways of life and old values, rediscover what is important to them, suffer at the hands of faceless government officials, and learn, and grow, and make decisions, sometimes ill-considered, about their lives. Dealing with all levels of society and many different cultures, Desai shows life's humor and brutality, its whimsy and harshness, and its delicate emotions and passionate commitments in a novel that is both beautiful and wise. Mary Whipple



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. Call to set up timetable to scrap statutory retirement age
Calls for a formal timetable for the removal of the mandatory retirement age have come after a national survey found workers in the UK wanted to work...

3. Flexibility in retirement age provision
statutory retirement age. The annual reduction is thus 3.6 %, representing a ... Pensions granted before the statutory retirement age ...

4. Equal Age Retirement Urged | Article
... National Congress yesterday called for the statutory retirement age to be... National Congress yesterday called statutory retirement age made equal men women. ...

5. Removal of statutory retirement age recommended
The pensions review received a knock today, after government advisors recommended either no retirement age or one much higher than 65.

6. Abolition of Compulsory Age Retirement (Statutory Officeholders) Bill ...
... of Compulsory Age Retirement (Statutory Officeholders) Bill 2001 ... To abolish compulsory age retirement for a range of Commonwealth statutory officeholders. ...

7. FAQ. Retirement
FAQ-Retirement, UNISON, Suffolk HealthCare Communicator ... a lower normal retirement age, which would have the same effect as the statutory ...

8. retirement age discrimination regulations
Legal news ... Retirement: Age discrimination regulations ... age limit on bringing a claim for unfair dismissal and entitlement to statutory redundancy pay. ...

9. The Employment Equality (Age) Regulations 2006
Statutory Instrument 2006 No. 1031. The Employment Equality (Age) Regulations 2006 ... In paragraph (4) "normal retirement age" is an age of 65 or more which ...

10. Abolition of Compulsory Age Retirement (Statutory Officeholders) Bill ...
... of Compulsory Age Retirement (Statutory. Officeholders) Bill ... To abolish compulsory age retirement for a range of Commonwealth statutory. officeholders. ...

11. The Employers Forum on Age
... age in employment, ageism, demographics, age laws and ... Any employers enhanced retirement scheme must use age bands as per the statutory scheme (SRPS) ...

12. Statutory Retirement Age
... Statutory Retirement Age, also called Normal Retirement Age, is the age under ... you to increase the legal statutory retirement age at which full benefits can be ...

13. Discrimination - age - legal overview (V4919458762ed59.30253819)
... previous age limits for statutory payments ... Statutory retirement age ... statutory dismissal procedure does NOT apply to retirement dismissals at age 65, ...

14. JANUARY 2008
dismiss an employee for retirement at 65 years of age will not be. considered unlawful age discrimination provided the employer follows a. set statutory procedure. ...

15. Retirement, dismissal and redundancy - Age Concern England
This page will tell you all about the new retirement and dismissal procedures. ... abolishes the upper age limit for statutory redundancy payments, so employees ...

16. View Feature - Age Discrimination The Next Big Thing
Age Discrimination Act could mean employers may have to justify retiring ... given the statutory right to request to continue working beyond retirement age. ...

17. Statutory Retirement Age and Endogenous Human Capital Depreciation
until they reach the higher statutory retirement age. However, in most OECD ... the statutory retirement age because laborforce participation in the 55 to 64 years ...

18. What are the age regulations all about? | Age Concern England
People over age 65 can now claim unfair dismissal" statutory redundancy payments ... Pension benefit advice - retirement and pension benefits and advice ...

19. Retirement Age and Discrimination | Employment Lawyers' Checklist
... Equality (Age) Regulations, so as to not discriminate on the basis of age. UK ... The lower and upper age limit for statutory redundancy rights is removed. ...

20. TRS General Information Benefits
General information about Illinois Teachers' Retirement System (TRS) administration, membership, funding, and key statutory provisions. ... Age Retirement Annuity ...

21. Age
A national default retirement age of 65 has been introduced. ... Lower and upper age limits in the statutory redundancy scheme will be removed, ...

22. Equality and Diversity: Age Discrimination in Employment and Vocational ...
b) Retirement age of Scottish Auditor General - Section 13(5)(b) of the Public ... Statutory Redundancy Payments Scheme: Written statement to Parliament - 2 ...

23. Continuing to Work After Retirement Age - Financing Retirement (UK)
... people than ever before are continuing to work after retirement age not just for the financial benefits but also to ... statutory sick pay or statutory ...

24. Age 2006 - Are You Ready? - The Regulations in Brief
... employers who set their retirement age below the default age of 65 to justify or ... age limits for Statutory Sick Pay, Statutory Maternity Pay, Statutory ...

25. ABOLITION OF COMPULSORY AGE RETIREMENT (STATUTORY OFFICEHOLDERS) ACT ...
ABOLITION OF COMPULSORY AGE RETIREMENT (STATUTORY OFFICEHOLDERS) ACT 2001 NO. 159, 2001 ... 3. Schedule(s) SCHEDULE 1 - Abolition of compulsory age retirement ...

26. Newsletters (V492449111d95d4.59700697)
Newsletters ... Age discrimination. October 2008. Changes for this month. Statutory default retirement age. New shortage occupation list ...

27. Age Discrimination
The normal statutory grievance and disciplinary procedures do not apply in ... The employee's normal retirement age for these purposes must be over 65. ...

28. EconPapers: Statutory Retirement Age and Lifelong Learning
By Thomas Gries, Stefan Jungblut, Tim Krieger and Henning Meier; Abstract: As societies age, pension reforms become a central issue. One proposition is to extend ...

29. Retiring Young - Pros and Cons - Retirement Expert (UK)
... payments, work pensions, statutory pensions etc., you ... Will the Retirement Age be Scrapped. Retiring Overseas. Popular Locations When Retiring Abroad ...

30. What's the answer? Retirement and age discrimination - 30 Jun 2006
... on managing impending age discrimination regulations in relation to retirement. ... From 1 October 2006 the statutory retirement age of 65 will apply to all ...

31. Employees face pension cuts following rise in legal retirement age
... raise the statutory retirement age from the current age of 65 years ... more difficult for employees to reach the statutory retirement age in employment. ...

32. Age Positive - Wikipedia, the free encyclopedia
... employees to request working beyond retirement age and a duty on employers to ... age limits in the statutory redundancy scheme, but leave the current age ...

33. Procedure on Staff Retirement
... Kingdom will adopt the statutory default retirement age of 65 which was ... 1 The statutory default retirement age will be reviewed in 2011 ...

34. seniors.gov.au - Retirement ages
... few Australians over 50 wait until qualifying for the Age Pension before retiring. ... among older people, there is no statutory retirement age in Australia. ...

35. Personnel Services: Deferred retirement
University of Oxford Personnel Services, Deferred retirement ... age of 65, provided that the required statutory procedure for retirement, which ...

36. MnSCU Human Resources - Retirement
Phased Retirement Statutory Provisions. Health Care Savings Plan. Webinar Presentations for Retirement Planing at Any Age. New Employee TRA Information ...

37. Farmers' Retirement Insurance
gradual lifting of statutory retirement age to 65 by. Dec. 31, 2033) ... they reached the statutory retirement age will receive 4.2 ...

38. Age Discrimination: An employers' guide to the retirement provisions
... retirement age of ... statutory dismissal procedures applied to a compulsory retirement, ... is not by reason of retirement then the statutory disciplinary and ...

39. Age Discrimination Checklist- Bell Lax Solicitors
The Employment Equality (Age) Regulations 2006, which came ... retirement age of 65 or older but, if you do, the new statutory procedures must be followed. ...

40. Employment Equality (Age) Regulations 2006
A national default retirement age of 65 now exists. ... Lower and upper age limits in the statutory redundancy scheme are removed, but ...



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