Acknowledgements, v, 
Foreword, xi, 
Welcome, xiii, 
1. WHY YOU SHOULD BE CONCERNED, 1, 
2. TAKING STOCK: MY POSITION TODAY, 9, 
3. A NEW MINDSET TO GROW FAST, 29, 
4. STEPS YOU MUST TAKE NOW, 81, 
5. NEW REVENUE SOURCES, 113, 
6. THE ROAD MAP: NEXT STEPS AND MILESTONES, 221, 
7. PUTTING IT ALL TOGETHER: WHAT DOES IT MEAN TO ME, 239, 
8. FINAL WORDS, 247, 
Appendix A, 251, 
Appendix B, 289, 
Bibliography, 291, 
References, 301,

CHAPTER 1

Why You Should be Concerned

The stark fact is that one of the following statements is probably true of your retirement plan today:

• It does not exist at all.

• It does exist but only in your head as thoughts and good intentions.

• It exists and is partly in place, but at this pace, it will not produce enough in time.

• It exists, but you fear new global economic turndowns or unforeseen expenses cropping up.

Statistics that will scare you

'The risk that retirees will outlive their assets is a growing challenge,' says the US Government's Accountability Office. Increased life expectancies and healthcare costs, coupled with declines in financial markets and home values over the last few years, have intensified workers' concerns about how to manage their savings in retirement. And what are some of the US Government's suggestions?

• Delay taking your Social Security (to seventy years old).

• Buy an annuity to supplement your monthly income.

After pouring that bucket of cold water over your head, the US Social Security's Trustees said in May 2011 that it would not be able to pay recipients in full beginning 2036 anyway. What a bombshell. In other words, as highlighted in The Economist,

'The pension hole just keeps getting bigger. Assets owned by pension schemes have generally been falling in price while their liabilities have been rising relentlessly. The numbers boggle the mind.'

Assets falling; liabilities rising relentlessly—that's not what we want to hear, is it? Especially when we see population demographic trends like the percentage of Americans in retirement age increasing from 11% in 1990 to 20% by 2020, from roughly 30 million to 55 million , or the number of Western Europeans over age 65 doubling in the same period. And it's not just the 'Old World' that is ageing rapidly. Consider the statistics of ageing in China: the number of retirees is set to double between 2005 and 2015, to 200 million people. Because the economy of China has been established using cheap labour from the countryside, how will the economy function when by 2050 the number of retirees has risen to 430 million people? And with the one-child policy in place for so many years, a married couple faces the prospect of caring for four ageing parents between them, instead of sharing the burden with siblings as in so many other countries.

Consider this next nugget regarding retiring Americans: 'Financial advisors estimate that the percentage of Americans who can actually save enough money to afford a reasonable lifestyle for twenty-five years without working is about 3%.' That's 3%! Now, you may or may not be living in the United States, but often this is where trends start and then fan out to the rest of the world, and it is simply a fact that chances are, wherever you live, your government is going to be ever less able to support you in your old age at the time when life expectancy (for developed nations) is increasing, and your costs of long-term medical care are increasing along with it.

Anne Karpf, writing for the United Kingdom's Guardian News, wrote about chronologically old people in the UK and the quality of medical care they should ideally receive:

'[A]ny group of older people needs to have enough [money] not to be reliant on a public sector starved of cash, and whose staff is amongst the lowest paid and lowest status of all public health workers'.

The line in the sand has been drawn: which camp will you be in?

Will you be in the camp of those with financial independence or those without? Statistically, as things stand, you will reach a retirement scenario where you have not saved enough. Anne Tergesen writes,

'[A]s people start to think about retirement, they recognize that they don't even have enough to pay their uninsured future medical expenses, much less have any savings for a decent income in retirement. The only solution is to work longer or to rely on their children as our ancestors did. But their children hardly realize the problems their parents will have—and they haven't saved enough either.'

In short, it is clear that you will need your money, your own money, to pay for a comfortable and independent retirement. There are many other aspects of ageing to consider as well, see if any of the following apply to you.

Is your 9-to-5 job helping or hindering you?

For those still in a 9-to-5 job, consider the aspects of ageing while still in full-time employment. With every year that goes by, chances are that holding on to your job becomes ever-more difficult. You may be perceived as being too expensive, too set in your ways, too unwilling to follow the rules, too lacking in energy or focus, or becoming a less ideal employee for other reasons. These kinds of perceptions (I call them excuses, but then I am sixty years old) are held generally by people younger than we are, so it's hardly surprising we hear them. But as you draw nearer to your desired retirement age, you may be struggling more and more to hold on to your position, a position that may not even be bringing in the money you know you will need for retirement. You may see yourself in a negative spiral, where it seems like the more you struggle, the worse it gets, and the less able you are to bring in the kind of funds you need to secure a future where increased costs of health-care are going to be a reality. So many may question, is the 9-to-5 job by itself the solution? While for a lucky minority it may be, we take the position here that finding other additional revenue sources is the sensible course of action.

Is your home an asset or a liability?

For those of you who own property, consider the aspect of ageing in your home. You may be living in a house where the mortgage exceeds the current market value of the property, even to the point where the monthly mortgage has increased to the level where you need to dip into your retirement funds to prop it up. Not a pretty picture, is it?

Does either of these scenarios sound familiar to your situation or to those close to you? Well, for the good news, and there is a lot of good news for you in this book, consider the following as you start to prepare for retirement:

• Nobody said you can only have one source of income, did they?

• Nobody said you can only work 9-to-5, did they? How about working when you like?

• Nobody said you cannot find other ways to use your valuable experience and knowledge, did they?

• Nobody said you cannot learn new skills, did they?

• Nobody said you cannot meet new people and start new networks and interest groups, did they?

We will be looking at this list in detail throughout the book to help you open yourself to new financial choices and speed you up to your retirement goals.

Defining your dreams

Know that you do have choices—a lot of choices—in how you make your income. My job is to help you uncover some of these choices. We will go through every one of them with you, things that are both doable and available to you wherever you live, as long as you have Internet access. As we proceed together we should be able to picture our own retirement. What kind of picture do you see for yourself? What are your goals for that period of your life?

I am guessing you do have an idea what retirement will look like for you—and I am also guessing you don't like the picture much, or you want to see what other people are doing—that's why you're here. But the fact that you are thinking about it even now is already a good thing, as it means you will be open to some new suggestions and tips how these very important retirement years can create for you the comfort and independence you are dreaming of. It is important you define your dreams—use some of the ideas here—as you make your plan for the comfortable and independent retirement you want and deserve, and then do something about it.

That is why this book is so important.

CHAPTER 2

Taking Stock: My Position Today

Glad you're still with me; that's great. Now before we look at the new opportunities that are out there waiting for you to discover and work them, we need to take a look at you to find out where you are to determine how prepared you are for the next step. How well do you know yourself and your own situation? In order to define how ready you are for this important challenge, we will be taking stock of two things in this section:

1. Mental Capital: how ready am I now for the changes ahead?

2. Physical Capital: my portfolio and how it leads to abundance tomorrow

Mental Capital: How Ready Am I Now for the Changes Ahead?

To begin, let us consider the state of our 'mental balance sheet'. Just as our own physical wealth is a composite of our life's experiences and decisions, our mental state also shifts with our life's events, each victory and defeat altering our 'mental balance sheet'. In reflecting on our past experiences and the emotional baggage we may carry, we can examine our own 'mental liabilities'. We can ask ourselves,

• What is it that controls me?

• Who is it that controls me?

Whilst I can hardly claim that I can change your personality in a few pages of a book, I can highlight for you some characteristics of typical behaviour that may let you answer those questions for yourself. So by the end of this chapter you will be able to say,

• I know what controls me.

• I have control over what used to control me.

• I know who controls me.

• I can control those who seek to control me.

Having answers to these vital questions is essential if we are to move towards a financial plan that truly reflects 'know thyself'.

In the next section we will look at the worlds of worries and fears because they are the two biggest detractors from your mental capital. We will look at how you can easily make some small changes in how you behave, act, and react, with a view to altering your mental balance sheet for the better and preparing you for the stimulating challenges ahead. So before we plunge into the darker depths of exploring our fears, let's look at fear's light-weight first cousin, which is 'worry'.

Worry

Are you a worrier? If you said yes, then you are honest, which is good. But you are not alone; almost all people are worriers to a greater or lesser extent. Given that we know that worries are something we would like to reduce in our lives, how can we reduce them? Well, let's break up worries into small groups. That should help us dial-down the amount of mental energy and stress that we are expending and show us the reasons behind the worries. The first of these groups is:

Worries About Things That Are Outside Of Your Control

As the saying goes, 'I do not know what I do not know'. Let's say you are commuting to work in the morning. For your journey to the office, will there be a traffic jam that will make you late for work? Well, that is always possible, but you don't know that there will be one, so meantime, why worry about it? If, conversely, a traffic jam looks likely because there has been an announcement of new road-works, digging and so on, then you know you need to start out fifteen minutes earlier tomorrow, or take another form of transport or use another route to minimize if not remove your worry on that point.

I want you to think of one thing that is on your mind right now that is out of your control. What is it? Now, think how pointless it is to worry about that thing, when there is nothing you can do about it—no 'yes, but ...' in the answer please. So, do you feel a bit better about it already? You do? Good.

Now as you work through this book, your situation in retirement is a worry, isn't it? This is an example where the solutions, remedies, action steps—call them what you will—towards a more ideal retirement for you are in your own hands under your direct influence and control. You must not think there is nothing that you can do about the financial situation in your retirement and worry. On the contrary, there are many things you can do, which we will cover here. Many things, you will see, can come into your circle of control. So take that particular worry off your shoulders, too, right now.

Our second group of worries is:

Worries about things that are not worth worrying about

With each item that causes you to worry, ask the question of it: is it worth the worry, or not worth the worry? To those not worth worrying about, by definition, we can say good-bye. Eliminate them from your thoughts altogether. For those that you deemed worth worrying about, we have a solution. First, I want you to make a brief list. Ready? Now imagine what things are worth worrying about, and over which you do have control. It must be both (remember, we already figured out before that something you have no control over, you have no business worrying about). Write them down.

So, do you have your list? Good. Now, write beside each item on the list, what is the worst thing that can happen, if that worry turns out to be true?

I have prepared an example—it's relevant to our topic, and it isn't pretty: 'I worry that I won't have enough money saved for my old age'. Is it in my control? Answer: Yes it is within my control. Is that something worth my worrying about? Answer: Yes, of course it is. So let's go on to consider what is the worst thing that can happen if your plan for old age never gets to exist? You may need more paper at this point, several sheets of paper probably. Write down those 'worst-case scenarios' against each worry. Be brutal, such as:

• I could lose my home.

• I may have to declare bankruptcy.

• My savings and pension will be woefully inadequate.

• My life-partner leaves me.

• My kids don't want to share in my burden.

• My kids can't afford to share in my burden.

Not pretty so far, eh? And we could go on. Now, review your own list; what does it say? If you have been honest with yourself, the list might shock you with the possible negatives of having no retirement plan. If you have made an honest list, and it doesn't shock you into the need for a plan for old age, then my friend, nothing will! But the good news is that you have control over taking action to change your circumstances of retirement.

One great way to reduce your worry is to have a plan. We will explore the fine art of planning, an amazing aid, in greater detail later on. For now, consider that when we plan for things, we rationalize solutions for them, and in doing so, we remove many of the emotion-clouded thinking that was making them a cause for worry. In the course of putting the worrisome item into an action plan, we will ask ourselves the two main questions, 'is it within my control and worth worrying about?' Often just asking those questions will dispel the worry. If not, then once the item is part of a plan, it will be easier to see how any further worry about what is not within your control is just wasted energy.

Fear

The silent killer. Now let's take it up a notch. For many of you reading this book, there are any number of practical and understandable reasons why you are not yet where you want to be with your retirement plans (for example, you didn't know how, you were too busy raising a family, and so on). While some of these reasons are of course commendable, for other readers there is a deeper and darker reason why you hold back at critical times of decision in your life.

Fear. My ultimate 'F' word. Why didn't you take that action, make that phone call, say yes instead of no, take that chance? Instead you said to yourself, 'oh that's too risky', 'that will never work', and my favourite, 'but what if' ...? These are my contenders for the award for possibly the worst combination of three words in the English Language—but, what, if? The negative thought-director followed by the conditional qualifier, the ultimate door-slammer, bucket of cold water, opportunity avoider. But, what if ...?

But what if I'm wrong, and it doesn't work?

But what if the market goes the other way?

But what if ... the sky falls in, Henny Penny?

Underlying all these sentiments is that little F-word, fear. Winston Churchill once said famously, 'we have nothing to fear, but fear itself', (not to trivialize this grand statement, which was issued against the background of a major World War, the loss of which would certainly have made retirement an unlikely source of concern).

When I speak of fear, I am not talking about the haunted castle, thunderstorm, 'there's a vampire right behind you' type of fear, which is just us humans enjoying scaring each other. I am talking about the energy-sapping, goal-blocking type of fear that has us all afraid to take those steps outside of our comfort zone, those steps that we know we want to take and that we should take. It is that fear fairy that sits on our shoulder whispering, 'no, don't try it, too risky, not interested, it will never work'. When any idea comes along—this little fear fairy says, 'leave it; another better, cheaper, easier idea will come around soon', as yet another year drifts by with no action taken.

(Continues...)

Excerpted from A Late-starter's Guide to Retirement by JEREMY FOXON. Copyright © 2014 Jeremy Foxon. Excerpted by permission of iUniverse LLC.
All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Excerpts are provided by Dial-A-Book Inc. solely for the personal use of visitors to this web site.

"About the title" may belong to another edition of this title.

PBShop.store US

Wood Dale, IL, U.S.A.

5-star seller

AbeBooks seller since April 7, 2005

Shipping rates within U.S.A.

Item	7 to 14 business days	7 to 14 business days
First item	£ 0.00	£ 0.00

Delivery times are set by sellers and vary by carrier and location. Orders passing through Customs may face delays and buyers are responsible for any associated duties or fees. Sellers may contact you regarding additional charges to cover any increased costs to ship your items.

Payment methods

Store description

We first started out as “The Paperback Exchange,” a chain of physical bookstores where we would part exchange your beloved books for new stories to transport you to faraway places. However, as shopping started to evolve to online shops and marketplaces, we bid our stores goodbye to become “PBShop.” This transition has only allowed us to blossom as we now ship thousands of titles to book lovers across the globe. We pride ourselves in being a community of local book lovers which allows our passion and devotion to shine in everything we do. In 2020 we not only celebrated our 20th birthday but our 1st birthday as being completely employee owned after becoming an E.O.T in September 2019. We are proud to be different and embrace standing apart on a book mountain by working from a virtual inventory which allows us to provide thousands of books that may be difficult to get for your bookshelf or your studies. Working with a number of different suppliers allows us to explore other avenues such as puzzles, sheet music and even stationery so we really do have something for everyone. Life is about being versatile in all realms of existence. If this is your first visit or you are a returning customer, we would like to welcome you to the PBShop family, for there is no friend as loyal as a book. We are a company who put our customers at the centre of everything we do as we understand the importance of reading because once you learn to read, you will forever be free. There are a whole lot of things in this world of ours that we are yet to explore, which is why we will forever inspire curious minds.…

Specialty

Hardbacks, Paperbacks

Seller's business information

Pbshop.co.uk Ltd

Unit 22 Horcott Industrial Estate, Horcott Road
Fairford, United Kingdom GL7 4BX

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Terms of sale

Returns Policy
We ask all customers to contact us for authorisation should they wish to return their order. Orders returned without authorisation may not be credited.
If you wish to return, please contact us within 14 days of receiving your order to obtain authorisation.

Returns requested beyond this time will not be authorised.

Our team will provide full instructions on how to return your order and once received our returns department will process your refund.
Please note the cost to return any unwanted order to us is borne by the buyer.

Should your order arrive damaged, not as advertised or faulty, we must be advised of this within 14 days of delivery. Please contact us so we can find the best solution for you.

Our Customer Care Team can be contacted via emailing paperback-us@paperbackshop.co.uk, or by calling our UK Office on +441285 712 917. We are available 9:00am till 5:30pm GMT weekdays and 9:00am till 1:00pm GMT on Saturdays.

Right of withdrawal

If you are a consumer you can withdraw from the contract in accordance with the following. Consumer means any natural person who is acting for purposes which are outside his trade, business, craft or profession.

Information regarding the right of withdrawal

Statutory right to withdraw

You have the right to withdraw from this contract within 14 days without giving any reason.

The withdrawal period will expire after 14 days from the day on which you acquire, or a third party other than the carrier and indicated by you acquires, physical possession of the last good or the last lot or piece.

To exercise the right of withdrawal, electronically fill in and submit a clear statement on our website, under "My Purchases" in "My Account". We will communicate to you an acknowledgement of receipt of such a withdrawal on a durable medium (e.g. by e-mail) without delay.

To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

Effects of withdrawal

If you withdraw from this contract, we will reimburse to you all payments received from you, including the costs of delivery (except for the supplementary costs arising if you chose a type of delivery other than the least expensive type of standard delivery offered by us).

We may make a deduction from the reimbursement for loss in value of any goods supplied, if the loss is the result of unnecessary handling by you.

We will make the reimbursement without undue delay, and not later than 14 days after the day on which we are informed about your decision to withdraw from this contract.

We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.

We may withhold reimbursement until we have received the goods back, or you have supplied evidence of having sent back the goods, whichever is the earliest.

You shall send back the goods or hand them over to PBShop.store US, Springfield Gardens, New York, U.S.A., +44 1285 712917, without undue delay and in any event not later than 14 days from the day on which you communicate your withdrawal from this contract to us. The deadline is met if you send back the goods before the period of 14 days has expired. You will have to bear the direct cost of returning the goods. You are only liable for any diminished value of the goods resulting from the handling other than what is necessary to establish the nature, characteristics and functioning of the goods.

Exceptions to the right of withdrawal

The right of withdrawal does not apply to:

The delivery of newspapers, journals or magazines with the exception of subscription contracts; and
The supply of digital content which is not supplied on a tangible medium (e.g. on a CD or DVD) if you accepted when you placed your order that we could start to deliver it, and that you could not withdraw once delivery had started.

Shipping terms

Books are shipped from our US or UK warehouses. Delivery estimates allow for delivery from either location.

Privacy and security

We are committed to protecting the privacy and security of personal data. This policy tells you how we will collect and use your personal data, and what you should expect in respect of the personal information about you that we have collected.

We are PBShop.co.uk Limited (registered in England & Wales with Company No: 9366362). Our registered office is at Swatton Barn, Badbury, Swindon, SN4 0EU, United Kingdom.

The person with responsibility for our data protection compliance is the Managing Director and they can be contacted via email at help@pbshop.store.

We are the data controller of the personal data that we keep and use, and we are therefore responsible for making sure that our systems, processes and people comply with the relevant data protection laws in respect of that personal data.

We will act in respect of personal data to comply with the six principles of the General Data Protection Regulation (“GDPR”), which are:

Lawfulness, fairness and transparency;
Purpose limitation;
Data minimisation;
Accuracy;
Storage limitation;
Integrity and confidentiality.
You have rights in respect of how your personal data can be processed; these include the right to request:

a copy of your personal data;
that inaccurate data is rectified; and
that your personal data is, in certain circumstances, erased or restricted.
You have the right to complain to the Information Commissioner, which you can do by contacting the Information Commissioner’s Office (ICO) directly. Full contact details, including a helpline number, can be found on the ICO website (www.ico.org.uk). This website also has useful information on your rights and our obligations. However, please raise any concerns or issues with us first so that we may deal with this as quickly as possible for you.

COLLECTION, USE AND DISCLOSURE OF PERSONAL DATA
We collect and process data for the following reasons:

personal data collected and created in relation to our selling books and other items; and
personal data relating to our people (which means those people working for our company, or providing services to us, or potentially working or providing services to us, including employees, consultants, temporary or casual workers and contractors).
All of our people are required to abide by our Privacy Policy when handling personal data, and are provided with appropriate data protection training. Any breach of data protection will be taken seriously, and may result in disciplinary action.

Selling books and other items
COLLECTION:
We will collect personal information which may include names, addresses and other information for our customers. This will be done for the management of the commercial relationship with our customers.

We may collect this personal data from you directly, and also from third parties, including publicly available third party sources. Additional personal data will be collected as it is created by or supplied to us in the course of anything we do for you.

USE:
We will use the personal data in the course of making sales and to comply with requirements that we are required to undertake.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

in performance of a contract (the agreement to sell books and other items); and/or
compliance with a legal obligation; and/or
vital interests of the data subject; and/or
where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
We may also use your personal data in the following situations, which are likely to be far less common:

where we need to protect your interests (or someone else’s interests);
where it is needed in the public interest or for official purposes.
DISCLOSURE:
We may share personal data with third parties as is necessary in the sale of books and other items, including to third party providers who deliver services to support the operation of our company.

In respect of all disclosures of personal data, we will only share the personal information which is necessary for the particular purpose for which it is provided, or where we have another legitimate interest in doing so, and we will ensure that the personal data is appropriately protected.

RETENTION PERIOD:
We will keep personal data only for as long as is necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting or reporting requirements. Normally, our retention period for personal data collected for this purpose is a minimum of 6 years after the end of the period that we are selling books and other items.

Our people
COLLECTION:
We will collect names, addresses, contact details, education and employment history, identity and other background checks (which may include appropriate criminal and financial checks and confirmation of the right to work in the UK), marital status and information on next of kin and dependents, financial information (such as bank details and NI numbers), date of birth, gender, a copy of your passport and driving licence, performance information and compensation history, recruitment information (including references), salary, benefits, pension and annual leave information, disciplinary and grievance information, photographs, information about your use of our information and communications systems and CCTV footage or other information obtained through electronic means.

We may collect and use special categories of personal data as required in the carrying out of obligations and exercising specific rights of us or the data subject in the field of employment. This may include information relating to matters such as health, racial origin, religious belief and offences or alleged offences.

Personal data may be collected from you during the selection process (for example via your application form and CV) and during your employment (including holiday forms, expense claims, performance reviews, any disciplinary or grievance processes), or from third parties, including referees, health service providers, background check providers.

USE:
Personal data of our people will be used for HR administration and management, both in respect of the selection of people to work for us (including suitability, eligibility and/or fitness to work), and those who do work for us, to include learning and development, disciplinary and security (of people, offices and data) requirements, providing and liaising with benefits providers, business management and planning (including accounting and auditing), paying you and dealing with tax and NI deductions, assessing and deciding on salary reviews and compensation, conducting performance reviews and managing performance, dealing with legal disputes involving you or others, preventing fraud, monitoring your use of our information and communications systems, ensuring compliance with our policies, and equal opportunities monitoring.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

In performance of a contract with you; and/or
compliance with a legal obligation; and/or
vital interests of the data subject; and/or
where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
We may also use your personal data in the following situations, which are likely to be less common:

where we need to protect your interests (or someone else’s interests);
where it is needed in the public interest or for official purposes.
In respect of all disclosures of personal data, we will only share the personal information which is necessary for the particular purpose for which it is provided, or where we have another legitimate interest in doing so, and we will ensure that the personal data is appropriately protected.

In respect of special categories of personal data, we may process this in the following circumstances:

in limited circumstances with your explicit written consent; and/or
where we need to carry out our legal obligations and in line with our policies; and/or
where it is needed in the public interest (such as for equal opportunities monitoring or in relation to our occupational pension scheme), and in line with our policies; and/or
where it is needed to assess your working capacity on health grounds, subject to appropriate confidentiality safeguards.
Less commonly, we may process this type of information where it is needed in relation to legal claims or where it is needed to protect your (or someone else’s) interests and you are not capable of giving your consent, or where you have already made the information public. We may also process such information about our people (or former people) in the course of our legitimate business activities with the appropriate safeguards.

The special categories of personal data may be used in the following ways:

in relation to leaves of absence, to comply with employment and other laws;
in relation to your physical or mental health, or disability status, to ensure your health and safety in the workplace and to assess your fitness to work, to monitor, manage and administer benefits and absences;
in relation to your race, national or ethnic origin, religious, philosophical or moral beliefs, or your sexual life or sexual orientation, to ensure meaningful equal opportunity monitoring and reporting.
DISCLOSURE:
Personal data may be transferred to service providers who support the operation of our business (such as payroll service providers), to other third parties reasonably necessary in the conduct of our business (including insurers, professional advisors, regulators). These third parties may be acting as processor, or controller of personal data in their own right.

RETENTION PERIOD:
We will keep personal data only for as long as is necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting or reporting requirements. We will normally keep personal data of applicants who we do not employ for six months after we receive it.

We will keep personal data of employees throughout your employment and normally for a minimum of six years after your employment ends.

Changes to your personal data
It is very important that the personal information that we hold about you is accurate and current. Please tell us if your personal information changes during your relationship with us.

Data Security
We have put in place measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those of our people and other third parties who have a business need to know. They will only process your personal data on our instructions and where they have agreed to treat the information confidentially and to keep it secure. We have put in place procedures to deal with any suspected data security breach and will notify you and the ICO of a suspected breach where we are legally required to do so.

Where we store your personal data
We principally store data, both electronically and on file, at our office.

Personal data may be transferred outside of the EEA by processors acting on our behalf. For transfers to countries not considered adequate by the EC, we will ensure that personal data is adequately protected, as required by the GDPR. This would include by use of the Standard Contractual Clauses adopted by the EC to protect personal data.

Your rights
Under certain circumstances, you have the right by law to request:

access to your personal data. This enables you to ask to receive a copy of the personal data that we hold about you and to check that we are lawfully processing it.
correction of the personal data that we hold about you.
erasure of your personal data.
object to processing of your personal data where we are relying on our legitimate interest and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
restriction of processing of your personal data.
transfer of your personal data to another party.
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A Late-Starter's Guide to Retirement

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A Late-starter's Guide to Retirement

How to quickly get on track for your retirement when you start late

iUniverse LLC

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