Investing for Your Retirement

Follow my blog with Bloglovin Here's the Deal .... I think you will agree that having reached retirement there are worries about your financial future? If your pension does not afford a comfortable retirement, then investing to provide an income becomes a significant consideration. Of course, investments in the stock market can be a risky option. This long bull run must end soon, and investing now may be a risky option. You can invest in stocks/shares for capital growth, or…

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Smartphone – pal or foe?

I admit I use my smartphone too much. It is a great tool and there are many benefits to ownership but are we too reliant on this device? For silver surfers, it is a social tool with friends and relatives, helps with shopping, keeps you updated with news, emails, tweets, etc. , navigation aid, banking, currency exchanges - the list is endless. However, are we too complacent? There is an interesting article on TheNextWeb. Extracts: We’ve all had the “smartphone…

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You never Stop Learning – free uni Courses

Do you ever stop learning? Life is a learning flavoured experience! In retirement, we are constantly advised to use your brain, and stop the cells from dying. "Learn a foreign language" "Learn to play an instrument" and your health will benefit. You can learn new skills on Youtube (such as many DIY skills), and the Open University in the UK offers a range of free courses. Go here for the current list of free courses. Don't forget TED for inspirational…

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Chromebooks Ideal for Silver Surfers

In Heaven with a Chromebook Chromebooks: No nonsense and easy to use with no maintenance: what is there to dislike for the older generation? Boots up in seconds, no worries about viruses and malware, no software to buy and no endless Windows 10 updates. At my advanced age (well not so advanced I like to think), you want to keep things simple. So Chromebooks are ideal. They are lightweight (1.6kg for the techies) - easy to carry when you go…

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Stretching Your Budget – Top Tips

Silver Surfers are often living on a Fixed Income - state pension, company / private pension, bank interest, and other investments. Statistics suggest that many are having to survive on just a state pension with no savings. So stretching the budget is rather important! In this article I outline some of the tactics I use to stretch my budget for those Senior Gap Years! Unfortunately, some people are resistant to change and do not like shopping around for better value…

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How to Benefit from P2P (Peer to Peer) Phenomenon

With saving rates so low - where else can you put your savings for a decent return? We have looked at investment trusts with good dividends in excess of 4% in How to Live Well in Retirement but  of course the value of trusts can go down as well as up! Well, P2P or Peer to Peer is an alternative with a warning! Your capital is at risk too - no protection from FSCS. The peer to peer model has…

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Oldies but Goldies

In the beginning ... In the 60s a Dansette Record Player with my first vinyl album from Cat Stevens through to the digital age and streaming services, it has been a wild ride! Do you remember the tangled cassette tapes and trying to tape the Top 20 from the radio! Then CDs and the mini CDs,were the vogue, advances with  ipods, and USB sticks and now back to vinyl and streaming. .. to Streaming Music Services I must admit I…

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God Delusion or Not? Trouble with Religion!

Stephen Hawking and Mortality The sad news about the death of the world's greatest contemporary scientist - Stephen Hawking - last week , and some of the following press coverage raised thoughts about Mortality and Religion. Stephen was an atheist and held strong views: “I regard the brain as a computer which will stop working when its components fail,” he told the Guardian. “There is no heaven or afterlife for broken down computers; that is a fairy story for people…

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Free Books to Download or Read

In retirement (or as my partner says: "Gap Years"), you inevitably have more time to read! In the digital age visits to the library become less frequent so how can you read for free? Free Books Online There are a number of sites where you can read books online but they tend to the older public domain books. There are sites where you can read modern novels online (or download them): For example, ReadanyBook.com where I discovered books by Philip…

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