Share Investment Opportunities and Free Shares

Stock Investing Opportunities Share or stock investments contribute significantly to my financial lifestyle in retirement. So share investment opportunities need to be safe and secure - despite Covid19 issues! I have a SIPP with Hargreaves Lansdown, ISA portfolio with iWeb, and now a new ISA portfolio with Trading212 (free share - more later!). The HL Sipp is used to withdraw monthly income, iWeb is primarily stocks and Trusts with good dividends, and Trading212 for investing in foreign stocks. They all…

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Australia Tour – Australian Tourist Attractions
Koala in Victoria

Australia Tour – Australian Tourist Attractions

Australia Tourism A trip to Australia from the UK is a challenge for European tourists let alone Silver Surfers - it is a long way even with a stopover. Although direct flights are now available to Perth from the UK. Singapore Airlines makes the long haul comfortable and others recommend Emirates too! Bear in mind that visas are required for visitors. Australia Tourism faces a challenge to encourage visitors to contemplate such a long trip. But hey ... it is…

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Silver Surfers – life has just started!

Silver Surfer Cartoon Are you an elderly person who is a regular or enthusiastic user of the Internet? What a boring definition (or meaning) of silver surfers! We are not defined so easily. Adventure before Dementia is here to enjoy life to the full. Silver Surfer Jokes There are too many jokes, anecdotes, moans about OAPs but here are some of the better ones to enjoy: The classic: SKI – spend kids inheritance! Count your life by smiles, not tears.…

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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,…

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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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Winning with Investment Trusts!

Investing in the Stock Market Investing in the stock market can be a risky business. However, over the long term the performance has been good. For example, over the last year the FTSE is up 2.29% (August 2018) - not brilliant and hardly better than sticking your capital in a safe Bank Account. The picture is much more encouraging over 5 and 10 yrs at 17.42 and 54.20% respectively. Of course, we are restricting our view to UK listed companies and…

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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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Consistent Dividend or Growth – a conundrum?

In the article "How to Live Well in Retirement?", I favoured a dividend approach with some growth stocks to beat inflationary effects. Of course, this is just one strategy to provide a monthly income. Alternatively, you might favour a more conservative approach to growth with some dividends. If you are not a stock picker, then a more comfortable approach is to rely on fund or investment trust managers who have more experience. But even these managers do not always beat…

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How to Live Well in Retirement? Top Portfolio!

How many of us have thought about Retirement Income planning, planned ahead and invested in pensions and savings for a wealthy retirement (sorry senior Gap Years)? Not too many for sure! So how do you STRETCH savings and investments for possibly 30 plus years? First I am not a financial advisor so please don't think this retirement income planning is advice - just a personal opinion!! I have the State Pension, a small Teacher's Pension, a SIPP with Hargreaves Lansdown and…

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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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