The Diamond Skull Caper

161 Pages·2018·2.839 MB·English

by  Williams, Matthew

CaspNiaicn PWeoeolindgs
Everything you need
to know and do b
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to have a brilliant l
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retirement. n
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Retirement
With a little planning and expert advice, your retirement can be amongst the most enjoyable R
and exciting years of your life.
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It’s a time for new opportunities, indulging long-held dreams and spending time doing t
precisely what you want to do. However, there are also many potential pitfalls to watch out for. i
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Based on research with hundreds of retired people, and advice from leading experts, Brilliant e
Retirement will help you to think through all the opportunities and challenges ahead, so you
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can enjoy a happy, healthy, financially sound retirement.
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Whether you are planning your retirement or have already retired, this is the book for you.
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BRILLIANT OUTCOMES
• Plan for and enjoy a fulfilling, happy retirement
• Discover strategies to help make sure you stay
financially secure
Your practical guide
• Stay fit, independent and able to relish every
moment of your retirement
to a happy, healthy,
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e financially sound
£12.99 e
self-help li
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Visit us on the web
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CVR_PEEL3271_01_SE_CVR.indd 1 20/5/10 13:12:48
brilliant
retirement


brilliant
retirement


Yourpracticalguidetoahappy,healthy,
financiallysoundretirement

Nic Peeling
PEARSON EDUCATION LIMITED
Edinburgh Gate
Harlow CM20 2JE
Tel: [phone]
Fax: [phone]
Website: www.pearsoned.co.uk
First published in Great Britain in 2010
© Nic Peeling 2010
The right of Nic Peeling to be identified as author of this work has been
asserted by him in accordance with the Copyright, Designs and Patents
Act 1988.
ISBN: 978-0-273-72327-1
British Library Cataloguing-in-Publication Data
A catalogue record for this book is available from the British Library
Library of Congress Cataloging-in-Publication Data
Peeling, Nic.
Brilliant retirement : everything you need to know and do to make the most
of your golden years / Nic Peeling.
p. cm.
ISBN 978-0-273-72327-1 (pbk.)
1. Retirement. 2. Retirement--Planning. I. Title.
HQ1062.P435 2010
646.7'9--dc22
2010011723

All rights reserved. No part of this publication may be reproduced, stored in
a retrieval system, or transmitted in any form or by any means, electronic,
mechanical, photocopying, recording or otherwise, without either the prior
written permission of the publisher or a licence permitting restricted copying in
the United Kingdom issued by the Copyright Licensing Agency Ltd, Saffron
House, 6–10 Kirby Street, London EC1N 8TS. This book may not be lent,
resold, hired out or otherwise disposed of by way of trade in any form of
binding or cover other than that in which it is published, without the prior
consent of the Publishers.
10 9 8 7 6 5 4 3 2 1
14 13 12 11 10
Typeset in 10pt Plantin by 30
Printed and bound in Great Britain by Ashford Colour Press Ltd, Gosport,
Hants
Contents
About the author vii
Acknowledgements viii
Introduction 1
1 Preparing for retirement 5
2 Adjusting to retirement 15
3 Money matters 27
4 Your state of mind 67
5 Managing your health 81
6 Relationships 103
7 Maintaining your independence 119
Final words 143
Dedication
To my brother Alan
About the author
Nic Peeling has a doctorate from the Computing Laboratory
at Oxford University. He joined the Royal Signals and Radar
Establishment (RSRE) in 1979 as a research scientist. As
RSRE evolved into the Defence Research Agency, and finally
a public listed company called QinetiQ, Nic moved from
research, through technology exploitation to become a manager
and an IT consultant.
In 2007, as QinetiQ streamlined its organisation, Nic realised
that he should consider semi-retirement. Pearson Education
expressed interest in Nic writing Brilliant retirement so he
started to research the subject in earnest. Nic left QinetiQ in
April 2008 and now works about one day a week as a visiting
research fellow at Cranfield University. In researching this book
Nic has talked to hundreds of retired people. This book is their
story and tells you how to recognise and avoid the many pitfalls
that could spoil what should be the best part of your life. Nic
has followed the advice he gives you in this book, and has an
almost permanent smile on his face.

Acknowledgements
I would like to share the blame for this book with my brother
Alan who encouraged me to write it in the first place, and who
provided many of the key ideas.
I am indebted to Professor Marion Kloep, co-director of the
Centre for Lifespan Research at the University of Glamorgan,
who generously provided me with a selection of the latest
research papers on retirement and aging, as well as pointing me
at the seminal works of the past.
Whilst researching this book I talked to literally hundreds of
people who had retired, or were about to retire. Much of the
content of this book is based on the insights I obtained from
these conversations. In many ways this book is their story.
When writing about financial matters it is very important to try
and get your facts right. I would like to thank Martin Bamford,
a chartered financial planner, who was kind enough to check
the advice on investing for accuracy. Martin is a leading author
on money matters and his books include Brilliant investing, How
to Retire Ten Years Early and The Money Tree – all published by
Prentice Hall.
Even more important is to get health issues correct. I was
extremely fortunate to have the help of Dr Margaret Grant
M.B., C.h.B (St Andrews), F.R.C.Anaes., F.R.C.Paeds. &
C.H. Margaret graduated from St Andrews in 1968. She is a