Thursday, 19 September 2019
Charred Sweetcorn , mushroom, chard, courgette noodle thingy
Helping your parents to be financially prepared for retirement and beyond
Helping your parents to be financially prepared for retirement and beyond
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Seeing your parents getting older and needing help can be tough, especially because you may have always seen them as the ones who looked after you and made sure that you were okay.
But chances are, at some stage, you are going to have to give some extra care and assistance to ensuring that your parents are safe, protected and financially stable.
If your parents are at the age when they are beginning to consider retirement, or perhaps they have just retired, then it might be worth sitting down with them to go over a few topics that could really help them in the future.
Here are a few ways that you could help them out…
Talk openly about money
It might not be an easy topic to venture into for many of us,but having an informal chat with your mum or dad about their finances could help them to consider certain things that they might not have thought about previously.
Chatting about different savings solutions, pension plans and monthly budgeting options could open their eyes to opportunities they might not have even been aware of. There are so many financial apps available that make budgeting and money management much easier nowadays, so spend a bit of time helping your parents find the best apps to suit them and give them a handy demo of how to use them.
Make sure they are living in the right place
Your parents may have been living in the same family home for many years, with spare rooms (just in case you ever needed to move back home!), but now’s the time to assess whether their home is right for their current and future needs.
If their home is in the middle of nowhere, might it be better for them to re-locate to a town centre where they can walk out to stock up on groceries without needing the car? Do they really need a four-bed house, or could they move into a modern two-bed apartment, which would be easier to upkeep and much cheaper to own?
Assess their monthly outgoings and subscriptions
Just like many of us, your parents may have ongoing monthly payments leaving their account that they set up many moons ago. But occasionally, it’s a good idea to sit down with them and work out if all their outgoings are still necessary.
They may still want to pay for Sky Sports — especially now that they may be spending a bit more time at home — but perhaps they no longer need their landline (in favour of a mobile only), their work-related magazine subscription or their monthly Oyster travel pass. Sit down with the last three months’ worth of bank statements and highlight payments that might no longer be relevant.
Don’t let them fall for scams
It’s a sad truth, but many fraudsters and con artists prey on the elderly, who they deem as being vulnerable and more likely to fall for their lies and scams. Therefore, it’s your job to be there for advice and to ensure that this doesn’t happen to your parents.
Warn your parents about bogus callers and tell them never to give away any financial or personal details over the phone.Also advise them about unsolicited emails from organisations that appear to be their bank or insurance provider, but who turn out to be scandalous thieves. Perhaps suggest that if they see an interesting deal or email offer that they send it over to you first to research and inspect, so that you can investigate whether it’s genuine or not.
However healthy, happy and in-control your parents may seem at present, there is no harm in helping them to plan for an even happier and healthier retirement. Now is the time to step in and offer your best assistance.
Wednesday, 18 September 2019
Slowness of Life
Friday, 13 September 2019
Bonkers Wedding Gifts
George the tortoise |
Tuesday, 10 September 2019
Halloween Activities to Do with the Whole Family
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Halloween Activities to Do with the Whole Family
Halloween is just around the corner. The celebration is a great opportunity to get kids and parents together to collaborate on spooky activities and creative projects. Over the years, hundreds of these activities have been devised, so you’ll have no shortage of inspiration when it comes to your household’s Halloween celebrations. Probably the best-known activity for kids at this time of year is trick-or-treating – but this is falling out of fashion, thanks to concerned parents and annoyed residents who don’t want to have to keep a massive bag of sweets by the door. So what are the alternatives?
Costumes
Halloween just wouldn’t be Halloween if we didn’t dress up for the occasion. Grown-up costumes tend to be increasingly grim and gory, and informed by villains from film and television. Kid’s costumes aren’t quite as grisly, but they’re still a great opportunity to dress up as a favourite character from the world of cinema (or literature). If you’re willing to pay for it, you might find a brilliant costume online, but it’s usually more fun to make your own. Older children can help out with the design and the ideas, and parents can pitch in with any sewing.
Pumpkin-Carving
Here’s another chance to get creative with the most famous of all Halloween decorations: the carved pumpkin. You needn’t limit yourself to the traditional grinning face, here: modern jack-o-lanterns can carry just about any image or message you like – provided that you can carve it into the vegetable. If you get a few kids sitting side-by-side on a suitable bench, you can set up a neat little pumpkin production-line.
Other home-made Halloween decorations, like slime, stringy-cobwebs and fake blood, can be just as fun to make. Just make sure that you supervise your children’s efforts, as you don’t want them to come up with anything that will stain your walls or carpet.
Witch’s Cauldron
Particular mention should go to the witch’s cauldron, which makes a great centrepiece for Halloween parties. If you put another bowl inside the cauldron, you can fill it with an actual drink, and serve a grisly treat to all of your guests. As well as looking the part, this will let you teach the kids (and yourself) some basic chemistry. Just make sure you handle the dry ice yourself, as it can burn the skin if handled directly. Make sure you don’t put any in the drink directly, either, as you don’t want to swallow it!
Cooking
Why stop at your punch? If you want to involve the whole family, then get them to chip in by making some Halloween-inspired treats for the occasion. You can put all of that leftover pumpkin into a few dozen snack-sized pies, for a start. This approach will allow you to skip those mass-produced chocolates, and provide your kids with the skills they need to stay healthy when they need to fend for themselves. What better way to celebrate Halloween could there be?