Jan 302016
 

I suspect most of us were raised and educated to work as hard as we could, pass our exams, get a good job and work until we’re 65 then have a happy retirement.

Sound familiar? Is that what your parents and teachers told you? This cartoon seamed to sum up many people’s thoughts on this traditional plan:

how to have more money

Continue reading »

Sep 212015
 

_62945282_dancersThere are two types of people in the pension world – a few living comfortably, enjoying life on a decent pension and those struggling to live on a pension.

Hold on, there’s another type – those currently working who face an uncertain future, will it be retirement at 60, 65, 66, 70 or ?? What will life be like?

Apart from the very few, what is certain is that for most the dream of the “golden years” is more likely to be a nightmare. For many the only answer will be to keep on working or go back to work – but not as they knew it, no, it will be on the till at the supermarket or filling shelves at the DIY store – dream jobs? Continue reading »

Jan 012015
 

Yes, everyone can be successful if they put their mind to it.

Decide

Decide to be successful whatever that means to you

To me, success is not measured in the number of zeros at the end of your bank balance, it’s achieving something you set out to do. Parents who raise happy children, that’s success. Nurses, doctors, paramedics who save someone’s life, that’s success. Anyone who is truly happy and content with their life, that’s success. There are many examples of true success. Join us and you will meet lots of them. Continue reading »

Apr 032014
 

having fun

A professor stood before his philosophy class and had some items in front of him. When the class began, he picked up a very large and empty jar and proceeded to fill it with golf balls. He then asked the students if the jar was full. They agreed that it was.

The professor then picked up a box of pebbles and poured them into the jar. He shook the jar lightly. The pebbles rolled into the open areas between the golf balls. He then asked the students again if the jar was full. They agreed it was. Continue reading »

Apr 012014
 

A rare piece of good news – average UK incomes are likely to rise.

However, reading past the headlines – the news article also states that average incomes will only rise by about 0.2% to 0.5%.

Will you have more?

That’s a rise of £2 to £5 for every £1000 earned – for someone on the average income in the UK it means an annual rise of about nothing to not much more!!  And that’s before taxes, national insurance etc!

The reality for most people, whatever the percentages are, is they will not see any real benefit even if their income does rise slightly.
Continue reading »