No one likes to pay for insurance, and because money is tight, many people are opting to live without cover. Yet it is an essential service in the event of an emergency, an accident or a loss, as without it, it takes people a long time to financially get back to where they once were. But how can you get the maximum amount of cover for the least amount of money, and what should be insured, and for how much? This guide to minimising your insurance while maximising your cover answers all these questions, and more, and allows you to dip into whatever advice you may need at any given time.

Just about everyone over the age of 40 worries about how their retirement years will turn out. A secure retirement is seen as the culmination of a life well lived. To retire wealthy and live a dream life free of hard work is the ultimate desire of almost everyone. However, the reality is that not many people have the resources to enjoy a perfect retirement. There are many pitfalls in day-to-day life that prevent this, and although some of these are unexpected and unfair, generally speaking most of them can be prevented or planned for. This book will provide some practical guidelines in easily accessible language on how to retire financially secure. From savings to investments and pension plans to provident funds, this guide will set out exactly what you need to live life to the full, right to the end, with more than enough provisions.