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activities adjustment adult education Advice Bureau advisory courses Age Concern approaching retirement attitudes become benefits building society BUPA cent centres chapter Choice magazine clubs cost Council Council of Europe develop doctor elderly employers Employment Fellowship enjoy example exercise experience facilities Footloose Fred Kemp friends garden give Help the Aged hobby holiday housing associations increase Institute of Directors interests investment leaflet leisure living London look Morley College National nearing retirement offer older opportunity overseas part-time pension scheme Perhaps Pre-Retirement Association pre-retirement education pre-retirement training preparation for retirement problems programme rate rebates recognise relationships rent residents retirement age retirement education Retirement Homes Association Retirement Pension retirement planning role routine seminar Social Services solicitor staff trade unions voluntary organisations W H Smith week wife women workers