YOUR BUSINESS YOU R PENS ON If you want to know how... The Management Speaker's Handbook Templates, ideas and sample material that will transform every speaking occasion Patrick Forsyth This unique book presents concise and practical advice on content and technique, and provides specific guidance in the form of blueprints for over 25 individual speaking situations. How to Make Your Point in Just a Minute Get to the heart of the matter quickly and make your listeners want to hear more Phillip Khan-Panni 'I have heard Phillip speak on this subject many times and every time I learn something new. Now his book gives me all those good ideas in a format that I can dip into over and over again.' Send for a free copy of the latest catalogue to: How To Books Spring Hill House, Spring Hill Road Begbroke, Oxford, 0X5 1RX, United Kingdom email:
[email protected] http://www.howtobooks.co.uk YOUR BUSINESS YOUR PENSION How to use you. to for A R JOHNWHITELEY howtobooks Published by How To Content, A division of How To Books Ltd, Spring Hill House, Spring Hill Road, Begbroke, Oxford 0X5 1RX. United Kingdom. Tel: (01865) 375794. Fax: (01865) 379162. email:
[email protected] http://www.howtobooks.co.uk All rights reserved. No part of this work may be reproduced or stored in an information retrieval system (other than for purposes of review) without the express permission of the publisher in writing. The right of John Whiteley to be identified as the author of this work has been asserted by him in accordance with the Copyright, Designs and Patents Act 1988. © Copyright 2005 John Whiteley First published in paperback 2005 First published in electronic form 2007 ISBN: 978 1 84803 127 2 Produced for How To Books by Deer Park Productions, Tavistock, Devon, UK Typeset by specialist publishing services, Montgomery, UK NOTE: The material contained in this book is set out in good faith for general guidance and no liability can be accepted for loss or expense incurred as a result of relying in particular circumstances on statements made in the book. The laws and regulations are complex and liable to change, and readers should check the current position with the relevant authorities before making personal arrangements. Contents. Preface. ix List of abbreviations used xi 1 Introduction Providing for your retirement The importance of pension planning The urgency of pension planning Providing for yourself Quantifying the need Simplification in 2006 Checklist 1 1 2 3 6 6 7 8 2 The State Pension provision 9 Retirement Pension (The State Pension) 9 Other benefits 14 Minimum