Index

NB: page numbers in italic indicate figures or tables

Advisory, Conciliation and Arbitration Service (ACAS) (i)

alternatively secured pension (ASP) (i)

Ashurst, Lyn (i)

Atkinson, Maree (i), (ii), (iii)

Barclay, Liz (i)

Barker, Jean (Baroness Trumpington) (i)

Bharakda, Vee (i), (ii)

Briggs, Raymond (i)

business, starting a (i)

    bookkeeping (i)

        accountant, using a (i)

        software (i)

        tax, managing your (i), (ii), (iii)

    business planning (i)

        financial forecasts (i)

        market research (i)

        objectives (i)

    buying a business (i)

    case studies (i)

        Champ, Phil (i)

        Coupland, Debbie (i)

        Riley, Paul (i)

    cash flow (i)

    courses and training (i), (ii)

    credit control (i)

    employing staff (i)

        data protection (i)

        equality and discrimination (i)

        minimum wage (i)

    franchising (i)

    insurance (i)

    intellectual property (i)

    licences, permits and permissions (i)

    marketing (i)

        advertising (i)

        agencies (i)

        business cards and flyers (i)

        discounts (i)

        networking and contacts (i)

        ‘no’, saying (i)

        testimonials (i)

        website and social media (i)

    organizations (i)

    over-expansion, risk of (i)

    practical and emotional issues (i)

    property investment (i)

    start-up checklist (i)

    time management (i)

    types of business format (i), (ii)

        limited companies (i)

        partnerships (i)

        sole traders (i)

    vs paid employment (i)

care homes (i)

    help with costs (i)

    nursing homes (i)

Carroll, Lewis (i)

Child Tax Credit (CTC) (i)

Child Trust Funds (i), (ii)

Collingwood, R G (i)

complaints, making (i)

    against financial advisers (i), (ii), (iii), (iv), (v)

    against the NHS (i)

    arbitration and legal proceedings (i)

    Ombudsmen and regulating bodies (i)

Complete Guide to Letting Property, The (i)

Corfield, Rebecca (i)

Coward, Noel (i)

Criminal Records Bureau (CRB) checks see Disclosure and Barring Service (DBS) checks

default retirement age (i), (ii)

disability

    Community Care (i)

    council tax (i)

    hobbies and leisure activities (i)

    holidays (i), (ii)

    home improvement help (i), (ii)

    local authority services (i)

    Personal Independence Payment (PIP) (i), (ii)

    voluntary work with (i)

Disability Living Allowance (DLA) see Personal Independence Payment (PIP)

Disclosure and Barring Service (DBS) checks (i), (ii)

Einstein, Albert (i)

elderly parents, caring for (i)

    alarm systems (i)

    benefits and allowances (i)

        Attendance Allowance (i)

        Cold Weather Payment (i)

        off-peak bus travel (i)

        Personal Independence Payment (PIP) (i)

        TV licence (i)

        Winter Fuel Payment (i)

    care homes (i)

        help with costs (i)

        nursing homes (i)

    Community Care (i)

    dementia (i)

    financial assistance (i)

    flexible care (i)

    good neighbour schemes (i)

    health and social visitors (i)

    holidays (i)

    home, adapting their (i)

        disabled facilities grant (i)

        Home Improvement Agencies (HIAs) (i)

        local authority support (i)

    home helps (i)

    hypothermia (i)

    incontinence (i)

    living-in help (i)

    meals on wheels (i)

    pets (i)

    Power of Attorney (i)

    support for carers (i)

        Carer’s Allowance (i)

        Home Responsibilities Protection (HRP) (i)

    technology (i)

    transport (i)

    voluntary schemes (i)

    retirement and sheltered housing (i)

        almshouses (i)

        buying sheltered housing (i), (ii)

        extra-care accommodation (i)

        granny flats (i)

        homesharing (i)

        renting sheltered housing (i)

        Salvation Army homes (i)

Empty when Half Full (i)

Energy Saving Trust (i), (ii), (iii), (iv), (v)

Equality Act 2010 (i)

Facebook (i)

Finance Act 2012 (i)

finances, the basics (i)

    basic steps (i)

    benefits and allowances (i)

    budget planning (i), (ii)

    income, sources of (i), (ii)

    outgoings (i), (ii), (iii)

    redundancy (i)

    unclaimed assets (i)

    see also financial advisers; home, your; investments; pensions; tax; work, continuing to

financial advisers (i)

    accountants (i)

    banks (i)

    Independent Financial Advisers (IFAs) (i)

    insurance brokers (i)

    occupational pensions (i)

    protection and complaints (i), (ii), (iii), (iv), (v)

        Financial Ombudsman Service (FOS) (i), (ii), (iii), (iv), (v), (vi), (vii), (viii), (ix), (x), (xi)

        Financial Services Compensation Scheme (i), (ii), (iii), (iv), (v), (vi), (vii)

    Retail Distribution Review (RDR) (i), (ii), (iii), (iv)

    solicitors (i)

    stockbrokers (i)

Financial Assistance Scheme (FAS) (i)

Financial Conduct Authority (FCA) (i), (ii), (iii)

Financial Ombudsman Service (FOS) (i), (ii), (iii), (iv), (v), (vi), (vii), (viii), (ix), (x), (xi)

Financial Policy Committee (FPC) (i)

Financial Services and Markets Act 2000 (i)

Financial Services Authority (FSA) see Financial Conduct Authority (FCA); Prudential Regulation Authority (PRA)

Financial Services Compensation Scheme (i), (ii), (iii), (iv), (v), (vi), (vii)

Forsyth, Patrick (i)

Garsia, Marlene (i)

Guide to Annuities (i)

Have I Got News for You (i)

health (i)

    accident prevention (i)

    aches and pains (i)

    alcohol (i)

    aphasia (i)

    arthritis (i)

    back pain (i)

    blood pressure (i)

    cancer (i)

    chest and heart diseases (i)

    complementary / alternative medicine (i)

    depression (i)

    diabetes (i)

    diet (i)

    exercise (i)

        Pilates (i)

        yoga (i)

    eyes (i)

    feet (i)

    food safety (i)

    health insurance (i)

        long-term care insurance (LTCI) (i)

        permanent health insurance (PHI) (i)

    health screening (i)

    hearing (i)

    heat-related illness (i)

    and living overseas (i)

    medical tourism (i)

    menopause (i)

    migraine (i)

    National Health Service (i)

        complaints (i)

        NHS Direct and (i) (ii)

        prescription charges (i)

    osteoporosis (i)

    personal relationships (i)

        grandparents (i)

    quality of life (i)

    rheumatism (i)

    smoking (i)

    stroke (i)

    teeth (i)

Health and Safety at Work Act (i)

Hodgkinson, Liz (i)

holidays (i)

    art and cultural appreciation (i)

    arts and crafts (i)

    boating (i)

    cancellations, damage and compensation (i)

    coach holidays (i)

    concessions

        airlines (i)

        buses and coaches (i)

        entry fees (i)

        trains (i)

    cruises (i)

    cycling (i)

    festivals (i)

    gap years (i)

    golf (i)

    health tips (i)

    historical interest (i)

    holiday insurance (i)

        medical insurance (i)

    Holiday Property Bond (i)

    home and pet sitting (i)

    home exchange (i)

    language courses (i)

    long-haul travel (i)

    low-budget holidays (i)

    motoring holidays abroad (i)

    rail holidays (i)

    rambling (i)

    retreats (i)

    self-catering (i)

    short breaks (i)

    singles holidays (i)

    skiing (i)

    special care and facilities (i)

    special interest holidays (i)

    tennis (i)

    timesharing (i)

    tour operators (i)

    tourist boards (i)

    wine tasting (i)

    working holidays (i)

home, your (i)

    and capital gains tax (CGT) (i), (ii)

    council tax (i)

        Council Tax Benefit (i)

    equity release (i)

        home reversion plans (i), (ii)

        lifetime mortgages (i)

    existing home, adapting your (i)

        disability, facilities for (i)

        energy costs (i)

        extensions and conversions (i)

        heating (i)

        insulation (i)

        ‘knocking through’ (i)

        solar panels (i)

    holiday lets (i)

    Housing Benefit (i)

    insurance (i)

        buildings (i)

        contents (i)

    letting part of the property (i)

    lodgers, taking in (i)

    moving house (i)

        costs and finance (i), (ii)

        downsizing (i)

        Energy Performance Certificates (EPC) (i)

        Home Information Packs (HIPs) (i)

        leasehold, living in (i)

        mobile homes (i)

        retiring overseas (i), (ii)

        self-build (i)

        sheltered accommodation (i)

        Stamp Duty Land Tax (SDLT) (i)

    renting out your house (i)

    safety

        accident risks (i)

        personal safety (i)

    security and crime prevention (i)

    Tenancy Deposit Scheme (i)

Housing Benefit (i), (ii)

How to Write Your Will (i)

Independent Financial Advisers (IFAs) (i)

Individual Savings Account (ISA) (i), (ii), (iii), (iv)

investments (i)

    annuities (i)

        alternatives to (i)

        annuity types (i)

        fixed-term (i)

        phased retirement (i)

    bonds (i)

    Child Trust Funds (i)

    equities (i)

        shares (i)

        unit trusts and Open-Ended Investment Companies (OEICs) (i)

    fixed income securities (i)

    Individual Savings Accounts (ISAs) (i), (ii), (iii), (iv)

    life assurance policies (i)

    National Savings Certificates (i), (ii)

    protection and complaints (i)

        Financial Conduct Authority (FCA) (i), (ii), (iii)

        Financial Ombudsman Service (FOS) (i), (ii), (iii), (iv), (v), (vi), (vii), (viii), (ix), (x), (xi)

        Financial Services Compensation Scheme (i), (ii), (iii), (iv), (v), (vi), (vii)

        Prudential Regulation Authority (PRA) (i), (ii)

        see also scams

    savings accounts (i)

    sources of funds (i)

    see also home, your; pensions

Jobseeker’s Allowance ( JSA) (i)

John Lewis Partnership (i)

Lawrenson, David (i), (ii)

Legal Services Ombudsman (i)

Leigh-Jones, Margaret (i)

leisure activities (i)

    adult education (i)

    angling (i)

    animals (i)

    badminton (i)

    ballet (i)

    board games (i)

    bowling (i)

    clay pigeon shooting (i)

    computing and IT (i)

    crafts (i)

    creative writing (i)

    cricket (i)

    croquet (i)

    cycling (i)

    dance (i)

    darts (i)

    for the disabled (i)

    films (i)

    gardening (i)

    golf (i)

    history and heritage (i)

    keep fit (i)

    libraries, public (i)

    magazines (i)

    museums (i)

    music (i)

    music making (i)

    nature and conservation (i)

    painting (i)

    poetry (i)

    rowing (i)

    running (i)

    sciences (i)

    swimming (i)

    table tennis (i)

    television and radio (i)

    tennis (i)

    theatre (i)

    visual arts (i)

    walking (i)

    windsurfing (i)

    women’s organizations (i)

    yachting (i)

Lemons, Abe (i)

Lewis, Martin (i)

limited company, starting a (i)

LinkedIn (i)

Mature Times (i), (ii), (iii), (iv)

McCullough, David (i)

meals on wheels (i)

medical tourism (i)

Mobile Homes Act 1983 (i)

Morgan, J P (i)

mortality, dealing with (i)

    adult dependants (i)

    benefits for widowed people (i)

        Bereavement Allowance (i)

        Bereavement Benefit (i)

        Widowed Parent’s Allowance (i)

    documents, discussing (i)

    funeral costs (i)

    money worries (i)

    organizations (i)

    registering a death (i)

    will, making a (i)

        cost of (i)

        executors (i)

        and inheritance tax (IHT) (i), (ii)

        laws of intestacy (i)

Moules, Jonathan (i)

National Employment Savings Trust (NEST) (i)

National Health Service (i)

    complaints (i)

    NHS Direct and (i) (ii)

    prescription charges (i)

National Savings Certificates (i), (ii)

Ogunlaru, Rasheed (i)

Orwell, George (i)

Osborne, George (i)

partnership, starting a (i)

Party Wall etc Act 1996 (i)

Pensioners’ Guide (i)

pensions (i)

    alternatively secured pension (ASP) (i)

    annuities (i)

    and continuing to work (i)

    occupational pensions advice (i)

    Pensions Act 2007 (i)

    private pensions (i)

        auto-enrolment (i)

        career average (i)

        cashing in a pension (i)

        divorce and separation (i)

        family pensions (i)

        final salary pension schemes (i)

        ‘flexible drawdown’ (i)

        Lifetime Allowance (i)

        lost pensions (i)

        money purchase (i)

        pension protection (i)

        personal and stakeholder pensions (i)

        and self-employment (i)

        Self-Invested Personal Pension (SIPP) (i)

        tax-effectiveness of (i)

        widows, benefits for (i)

        working past retirement age (i)

    state pension (i)

        Adult Dependency Increase (i)

        basic (i)

        deferring (i)

        and early retirement (i)

        Home Responsibilities Protection (HRP) (i)

        Income Support (i)

        married women and widows (i)

        Pension Credit (i)

        state pension age (i), (ii), (iii)

        State Second Pension (S2P) (i)

        for widowed people (i)

    and tax (i)

    unsecured pension (USP) (i)

personal equity plan (PEP) see Individual Savings Account (ISA)

Personal Independence Payment (PIP) (i), (ii)

post-war credits (i)

Power of Attorney (i)

Preparing the Perfect CV (i)

Preparing the Perfect Job Application (i)

pre-retirement courses (i)

property investment (i)

Property Ombudsman scheme (i)

Prudential Regulation Authority (PRA) (i), (ii)

Rebel Entrepreneur, The: Rewriting the Business Rulebook (i)

Retail Distribution Review (RDR) (i), (ii), (iii), (iv)

Reuvid, Jonathan (i)

Rowling, J K (i)

scams (i)

    common scams

        advance fee fraud (i)

        card cloning (i)

        romance scams (i)

        unexpected prizes (i)

    e-mail scams (i)

    investment scams (i)

    scam ‘tests’ (i)

    telephone scams (i)

security, in the home (i)

sheltered housing (i)

    almshouses (i)

    buying sheltered housing (i), (ii)

    extra-care accommodation (i)

    granny flats (i)

    homesharing (i)

    renting sheltered housing (i)

    Salvation Army homes (i)

Simpson, Homer (i)

sole trader, starting up as a (i)

Soul Trader (i)

Start Up and Run Your Own Business (i)

Successful Interview Skills (i)

Successful Property Letting (i), (ii)

Sugar, Alan (i)

Talking about Retirement (i)

tax (i)

    and annuities (i)

    and bereavement benefits (i)

    capital gains tax (CGT) (i)

        Enterprise Investment Scheme (EIS) (i)

        family businesses (i)

        home, your (i)

    Child Tax Credit (CTC) (i)

    and continuing to work (i)

    income tax

        disputes (i)

        Married Couple’s Allowance (i)

        non-taxable income (i)

        and pensions (i)

        personal allowance (i), (ii)

        savings and investments (i)

        tax relief (i)

    independent taxation (i)

    and Individual Savings Accounts (ISAs) (i)

    inheritance tax (IHT) (i)

    and investment and offshore bonds (i)

    and letting part of your house (i), (ii)

    and life assurance policies (i)

    and living abroad (i)

        ‘domicile’, concept of (i)

        double tax agreement (i)

        pensions paid abroad (i)

    minimizing tax tips (i)

    post-war credits (i)

    rebates (i)

    and savings accounts (i)

    self-assessment (i)

    and shares (i)

    and starting a business (i)

        IR35 ‘trap’ (i)

        limited companies (i)

        partnerships (i)

        sole traders (i)

        VAT, registering (i)

    and your will (i)

    Working Tax Credit (i), (ii)

tax-exempt special savings account (TESSA) see Individual Savings Account (ISA)

Tenancy Deposit Scheme (i)

Thatcher, Margaret (i)

transport

    concessions (i)

    for the elderly (i)

    help for disabled travellers (i), (ii)

Twain, Mark (i), (ii)

Twitter (i)

unsecured pension (USP) (i)

voluntary work (i)

    animals (i)

    bereavement (i)

    business and enterprise (i)

    children and young people (i)

    clerical work (i)

    committee work (i)

    conservation (i)

    direct work (i)

    elderly, the (i)

    family support (i)

    fundraising (i)

    general (i)

    health and disability (i)

    heritage and the arts (i)

    long-term volunteering (i)

    needy, the (i)

    offenders and victim support (i)

    politics (i)

    service personnel and veterans (i)

Way I See It, The (i)

WEARIES (Working, Entrepreneurial and Active Retirees) (i)

will, making a (i)

    cost of (i)

    executors (i)

    and inheritance tax (IHT) (i), (ii)

    laws of intestacy (i)

Wilson Little, Mary (i)

Wise Guide – Life-improving Advice for the Overs (i)

Wodehouse, P G (i)

Wood Kurtch, Joseph (i)

work, continuing to (i)

    age discrimination and equality (i)

    CV writing (i)

    finding work (i)

    interviews (i)

    job agencies (i)

    job counselling (i)

    Jobseeker’s Allowance (JSA) (i)

    part-time work (i)

    and pension entitlement (i)

    training and skills development (i)

    types of work (i)

        bed and breakfast (i)

        care work (i)

        charities, paid work for (i)

        consultancy (i)

        cooking (i)

        developing countries, work in (i)

        domestic work (i)

        dressmaking (i)

        gardening (i)

        home decorating (i)

        home sitting (i)

        management (i)

        market research (i)

        non-executive directorships (i)

        nursing (i)

        public bodies (i)

        publishing (i)

        sales (i)

        secondment (i)

        teaching, coaching and training (i)

        tourism and seasonal work (i)

        upholstery (i)

    Working Tax Credit (i), (ii)

Working for Yourself – An Entrepreneur’s Guide (i)

Working Tax Credit (WTC) (i), (ii)

Your Guide to Retirement – Making the Most of Your Money (i)