The Voice. Week 2

This week we saw The Voice settle into it’s boots a bit more and start to look, to me, more like the program it isn’t, but at least a program I can get into.

If you’re going to review a series then not liking it from day one is like deciding to run the London Marathon dragging a sled full of naked women. You know you’re making life hard for yourself and you can’t get away from it so at least turn around and enjoy the view.

That’s what I’ve had to do and I did it by subtly adjusting my definition of the show’s premise. The Voice isn’t about finding the best voice they can. It’s about finding the best act they can develop from just THE VOICE.

So rather than being all about vocal ability and singing skills, it’s just the same as the other shows like X-Factor or American Idol, but the job of the judges is made harder through handicapping.

I still don’t believe it’s fairer, as so many fans have said, because at the end of the day they’re looking for an act- not a voice. So it just means that when they hear, for instance, Matt and Suleen [the fact that they’ve allowed a couple on to sing together in itself destroys the show’s over-stated premise] they might imagine ‘The Carpenters’. When they turn around and see it’s actually ‘The Carpeted’ they’re already committed.

‘Exactly!” I hear you cry- that’s fairer than someone who looks like Leona Lewis getting the spot light even though they’re as flat as Denise Lewis. Yes, it is, except that doesn’t happen does it? If Leona Lewis, who has a better voice than anyone that’s been picked for any of the teams so far, looked like a bull mastiff  in a wind tunnel then I’m pretty sure she wouldn’t be the star she is today. To be a real success in their business you need to look as good as you sound if you’re not absolutely incredible at singing.

Now, before anyone throws SUBO at me (again) I understand that, in those very rare exceptions where the combination of massive popular support, a great (not my opinion) voice and the right channel for milking the crap out of every land line in the country come together to create the perfect money-making storm, looks can be ignored.

We haven’t got a Susan or a Leona on here and, lest we all forget, this is the BBC.

Glasgow grannie, and Playmate of the Month 1965 compared to Ms. Boyle, Barbara came on and sang Wild Horses in a blatant attempt at becoming ‘SUBO II- This time you probably would’ but her voice wasn’t earth shattering- good, great in bits even, but not, as Tom Jones of all people put it, “As strong as Aretha.” What was that Tom? Are there two Arethas out there or have you got a relative called Etha who sings in pubs? I was eating a grape at the time, alone. I could have died Tom! Performing the Heimlich maneuver on yourself is nigh on impossible!

As if to make my point far more succinctly than my ramblings ever could, Barbara was followed by Kerry Ellis.

The star of the West End and Broadway and someone who’s face appeared in my mind, and possibly some of yours, when I heard the show’s title for the first time, was next on… and then she wasn’t. Hang on!

We get to  see Kerry talking about risk and then we cut to a shelf stacker called David.

You don’t suppose they might be building us up for a bit of tension do you?

David sang very well. I loved his voice and his version of ‘Man who can’t be moved’ almost stopped me screaming stuff about singing judges songs.

Again, the experience was tainted for me by the insistence on telling us all how he’d quit his job so he too was taking a huge risk. He was stacking shelves not piloting the space shuttle. I know times are hard and even I can’t get a job, but shelf stacking is the kind of career you can afford to take a bit of time off from. ‘You quit your job? No way! You crazy maverick son of a gun! You’ve sweated blood working your way up to ‘frozen foods’ and then turned your back on it all for the chance to sing!’

That’s another thing. Don’t you find it uncanny how they just happen to crowbar the big important question in there? It’s not as blatant as watching someone backstage crying over a broken heart and then walking out to be asked by Simon Cowell, ‘so tell us a little bit about your love life’ completely out of the blue, but when Danny suddenly decided to ask 16 year old Goth Holly how old she was I swear I heard a tiny voice shouting ‘Age! Age! Ask her age! Quick!’ into his earpiece.

Tom said he thought David was a girl, then again he also said he thought Vince Kidd was two people and that Matt and Suleen were one. I don’t mean to be unkind but, looking at them, I thought Vince wasn’t even one and Matt and Suleen were nearer three.

Then Kerry comes on- the VT is all about how nervous she is (in spite of having sold out the Royal Albert Hall).

She goes on, she sings ‘Son of a Preacher Man’. Nobody turned around. Maybe she’d have been better with a Bonnie Tyler number? Tom tells her she’s already made it so it’s no biggie and Billiam tells her she was phenomenal- nothing new there. Then we get an insight into what game we’re watching. Jessie, like a nightclub bouncer, says there’s only ‘ten people’ allowed, and Danny says he’s looking for a specific type of girl singer. Sorry? What?

Afterwards, as we’re growing to understand how the mechanics of the show really work and that these judges are not only hamstrung but forced to gamble and, therefore, make huge mistakes like this, we get to hear Tom telling the viewing public directly something like, “You see? She’s an established star and she didn’t get picked! It just goes to show how tough it is with so many great singers!”

Well it would be if there were Tom but give me Kerry over ALEKS (yes, that’s how he spells it) and I might believe you.

Little Aleks was cheeky and nice enough to listen to but I doubt three seconds is long enough to really judge anyone’s voice and yet Bill was spinning like a top before he’d cleared his throat. Again, the backstory was all about how he’s a bit of a romantic and the ladies love him. Low and behold, he’s got Jessie on stage and he’s trying for a kiss… I really should get those odds through any day now.

Other contestants came and went, as they tend to. The pattern seems to be, if William likes you he pretty much offers you a record deal there and then and a world tour, in spite of the fact that only one act can win. Danny tells everyone he picks that they’re going to win (see above). Jessie, gorgeous and genuinely funny though she is, seems to have her Lycra suppliers on standby in case one of her catch phrases sticks and they can go into print before start of business the next day. As for Tom, well he gets his own little five minute name-drop game with Billy boy played on a loop. It’s now called ‘Jacko Verses Elvis Time’ because I doubt they were mentioned this much when they were alive.

Don’t get me wrong. For every “How come she’s gigging all over the country in pubs and clubs if she’s only sixteen?” I also had a smile on my face. I love the chemistry between the judges. Jessie is like a female Robbie Williams, a natural comic and totally relaxed with an audience. Will.I.AM is also a good laugh. I like his humour. Like I said last week, The BBC have really pulled it out of the bag in picking these four and, to be honest, it’s this that is keeping me hooked.

My fear comes when we see the final teams and realize none of them would make it to the live finals of American Idol and we need the judges to really sell this show. Without the hype-building skills of American networks or even ITV and with the need to maintain a little decorum on behalf of the license fee payers, we might end up with something caught out by its own premise. We shall see.

EX-MINING TOWN PIONEERS ‘CROWD FUNDING’ MOVEMENT

EX-MINING TOWN PIONEERS ‘CROWD FUNDING’ MOVEMENT ALLOWING COMMUNITIES TO TAKE PLANNING PUBLIC SPACE INTO THEIR OWN HANDS

I really love this story, it shows what can happen if you but your mind to it.

Stephen Fry, Martha Lane Fox, Wales’ rugby heroes and firms including Admiral, Asda, Tesco and Deloitte have all helped to pioneer a new online hub allowing communities to fund public developments that have suffered following a halving of council spending.

The ex-mining town of Glyncoch, South Wales, has become the unlikely pioneer of a “crowd-funding” movement that harnesses private funding for community building projects.

After spending seven years chasing state cash for a much-needed £792,000 community centre, residents turned to Spacehive.com, an award-winning new initiative, to reverse their fortunes.

With tens of thousands still to raise before their grants expired, the town appealed to local families, celebrities and businesses to fill the void. Using Spacehive.com as an online hub for donations, the town was able to garner support from an unlikely array of places.

The site works by allowing anyone with an idea to pitch it online and, once it’s been certified by the Spacehive.com if it achieves the necessary funding, it can go ahead and get built.

Their success this week, after Tesco contributed the final £12,000, raised hopes that Spacehive’s model could help revive hundreds more community building projects hit by the economic downturn.

State spending on such projects, from sports facilities to parks and playgrounds, is estimated to have halved from a pre-recession average of £500m a year, according to the British Property Federation.

Glyncoch’s campaign was boosted by comedian Stephen Fry who asked his four million Twitter followers to each donate “the cost of a cucumber sandwich”, Matha Lane-Fox, the government’s “digital champion” and co-founder of Lastminute.com, and Welsh comic Griff Rhys Jones, who urged supporters to: “help Glyncoch win.”

Fresh from their Six Nations triumph, the Welsh rugby team also encouraged people to dig deep. Yesterday Captain Sam Warburton said: “We think what Glyncoch has done is amazing and an inspiration to us all. We’re right behind the community. The regeneration of this town – which has produced so much rugby talent over the years – is another victory for team Wales!”

Corporates including Deloitte, Asda, and Wales and West Utilities quickly added to the pot, alongside local businesses from the coach firm to the golf club. Henry Engelhardt, founder of Admiral Insurance gave £10,000 and Tesco finished the campaign off with a £12,000 donation.

Residents themselves dug deep, raising thousands through street collections, bingo nights and even a sponsored silence by the town chatterbox. Pledges came as far afield as Newfoundland, where a Welsh descendant pledged £100.

As the community celebrated yesterday Deputy Mayor Doug Williams said: “We’re absolutely ecstatic that by summer we’ll see a state-of-the-art centre offering the types of training and education that will kick-start people’s ambitions.

“Glyncoch is a deprived area; people are used to being let down. Now people are thinking ‘we can get out of this rut.’”

Lucy Neville-Rolfe, from the Tesco Charity Trust, the retailer’s charitable arm, said: “This unique project shows just how much communities can achieve when they work together. We’re delighted to help the people of Glyncoch reach their target.”

Spacehive aims to shake up neighbourhood planning by allowing anyone to pitch proposals for community building projects and anyone to pledge funding through Spacehive.com. Funders are only charged if the project goes ahead.

The model, co-designed by Deloitte, means the cost of popular projects can be split between hundreds of individuals, businesses, and councils.

Projects in Spacehive’s pipeline range from new playgrounds to the transformation of a derelict East London dock into a creative hub and marina.

Founder Chris Gourlay said: “Success in Glyncoch, one of the UK’s most deprived towns, really shows the potential power of Spacehive’s model in helping communities to transform where they live.

“This isn’t about privatising planning. The state mustn’t shrink from its responsibilities. It’s just an approach that allows communities cut through the inertia and make popular projects happen. We think town planning should be faster, more people-powered, and more fun.”

Liz Peace, Chief Executive of the British Property Federation, which along with the Royal Institute of British Architects is a supporter of Spacehive, said: “We support the government’s intention to create a planning system that supports economic growth but the reality is nearly £300m of funding for capital public space developments has been lost.

“Enabling the public to take direct action through Spacehive.com could help ensure vital improvements go ahead by channelling funding from companies and individuals.”

The Glyncoch pilot was supported by Nexters, an initiative to boost online giving in the UK, which helped the local community reach corporate backers.

Efforts to regenerate Glyncoch were kicked-off by social action network Your Square Mile a year ago. Paul Twivy, the network’s Chief Executive, said: “To see everyone from local family firms to the country’s biggest retailer coming together to help this entrepreneurial community is heartwarming.”

The First Ever Toxin Free Nail Polishes.

I am a huge fan of anything that doesn’t have toxins in and is environmentally friendly. I had eczema and asthma as a child. It made me very aware of ingredients and conscious of what I put on my skin, or nails for that matter. Which is why I think the following is a brilliant idea. Why did no-one do this before?

Safe Nails Launches ‘Snails’: First Ever Toxin Free, Water Based, Water Removable Polishes.

Safe Nails ‘Snails’ ‘Simply the Safest’ range of water-based, hypoallergenic child-friendly polishes in the market make international debut at Professional Beauty 2012 Trade Show

Safe & Beautiful Ltd, founded by entrepreneur and mother of two Jeanette Sklivanou, has announced the launch of Snails (Safe Nails), a range of nail polishes suitable for kids and expectant mothers. Hypoallergenic, water-based and solvent-free, Snails polishes are formulated from just three basic ingredients: water, acrylic polymer and non-toxic colourants. Snails polishes do not require any smelly harsh chemical removers – you simply wash with soap and water and the polish will come off without drying or damaging the nail bed.

Snails Collection Formally launching at Professional Beauty 2012, the UK’s largest beauty trade show, on the 4th and 5th March at London’s ExCel, stand Q69, Snails come in a range of 12 fashionable and vibrant colours and give a high gloss, salon quality finish. The products have a light, fresh natural fragrance that smells baby like. The Snails range also includes a topcoat called “breathe easy”. This optional top coat uses oxygen Technology which respects the natural physiology of the nail and adds protection against UV light.

Rated safest polish by the Environmental Working Group’s Skin Deep Cosmetic Database, Snails are free of artificial preservatives, solvents and the ‘toxic trio’ of DPB, toluene and formaldehyde; additives commonly found in many traditional polish formulations. Hypoallergenic and removable without the need for harsh solvent-based removers, Snails polishes provides a solution for parents everywhere who are concerned about the potential health implications of chemical based polishes and removers.

Commenting on the motivation for developing Snails, Jeanette Sklivanou said: “As a mother my biggest concern is protecting my children and I was shocked to discover the number of toxins present in many cosmetics. The debate around whether we allow children to grow up too quickly is often discussed in the media but the potential physical danger of close contact with the harsh chemicals used in many of these products is rarely mentioned. For me that is a big issue. I think children should be allowed to express themselves through age appropriate dress up and role play but we have a responsibility as parents to keep them safe.”

Snails has also launched a range for health and environmentally conscious women and which are safe for budding mums-to-be. Available in a range of 3 colours entitled Meditation, Relaxation and Yoga Nidra, the range provides all that is needed for a completely nontoxic manicure and pedicure. Like all the Snails range, the products have a light, fresh natural fragrance that smells baby like.

Snails is a truly pan European product. The range is manufactured in France, packaged in lead free Italian glass bottles and distributed by Jeanette’s company, Safe & Beautiful, which is based in Greece with operations in the UK. Snails meets all regulations set out by the EU protective laws for cosmetics.

Snails are currently available for purchase online at www.safe-nails.com Individual bottles are priced at €7 or £5.95 each, with gift sets starting at €9 or £7.60. International shipping is available. Safe & Beautiful is partnering with department stores, beauty salons and professionals and retailers in the UK and European markets and is actively seeking distributors in those markets to fulfil demand.

Following Professional Beauty 2012 at London’s ExCel, Jeanette will exhibit Snails at Beautyworld Middle East 2012, Dubai International Convention and Exhibition Centre, Dubai, UAE, May 29-31.

Facebook: http://www.facebook.com/snails4kids | Twitter: @Snails4Kids

The Tea Guild’s Top London Afternoon Tea 2012 Awards of Excellence

The Tea Guild’s Top London Afternoon Tea 2012 Awards of Excellence

LONDON WINS 21 PRESTIGIOUS AWARDS OF EXCELLENCE

The Tea Guild has bestowed 21 Awards of Excellence in this year’s Top London Afternoon Tea Awards 2012 to leading establishments in the capital. The venues achieving this coveted Tea Guild award for recognition of their consistently exceptional standards of quality and tea service are: Brown’s Hotel; Claridge’s; Four Seasons Hotel Park Lane; Grosvenor House Park Room & Library; Sofitel London St James; The Capital Hotel, The Chesterfield; The Connaught; The Dorchester; The Goring; The InterContinental Park Lane; The Lanesborough; The Langham; The Milestone; Hyatt Regency London The Churchill; The Montague on The Gardens; The Royal Garden Hotel; The Royal Horseguards Hotel; The Savoy; The Ritz and The Wolseley.

Now in their 27th year, the acclaimed Tea Guild Awards of Excellence are seen as the ‘Michelin star’ of all tea awards, with leading tea rooms and world class hotels throughout London competing for the fashionable and renowned honour. Taking afternoon tea is a cherished experience steeped in British tradition and will be particularly popular in the capital this year as the British public and many of this year’s overseas visitors celebrate British traditions with the Queen’s Diamond Jubilee and the 2012 Olympic Games.

The Tea Guild’s secret inspectors have assiduously been searching the capital to seek out the finest tea experiences to see who is deserving of an “Award of Excellence” and who should win the Top London Afternoon Tea 2012 Award. As well as judging London’s top tea rooms and hotels, The Tea Guild’s judges have travelled across Britain to find the annual winners of the Top City and Country Hotel Tea Award 2012 and the Top Tea Place 2012 Award. All visits have been anonymous to ensure the results are completely fair and accurate. The anonymous judges awarded points for the variety, flavour and knowledge of the teas offered, together with the quality of food, service, décor, ambience, and presentation. With 125 points to be lost or gained on the judge’s scorecard, only those establishments achieving the very highest standards across a number of categories can make it to the top.

The judges were so impressed with the quality of the afternoon tea served at the following London Establishments that they awarded them high marks in every category: Brown’s Hotel; Claridge’s; Four Seasons Hotel Park Lane; Grosvenor House Park Room & Library; Sofitel London St James; The Capital Hotel, The Chesterfield; The Connaught; The Dorchester; The Goring; The InterContinental Park Lane; The Lanesborough; The Langham; The Milestone; Hyatt Regency London The Churchill; The Montague on The Gardens; The Royal Garden Hotel; The Royal Horseguards Hotel; The Savoy; The Ritz and The Wolseley.

The Tea Guild has now also presented the 2012 award for the Top London Afternoon Tea, which was received by The Athenaeum Hotel in Mayfair. The rest of the Awards are yet to be announced.

Commenting on the 21 ‘Awards of Excellence’ received in the capital, Irene Gorman, Head of The Tea Guild, notes: “Each year the judges’ task of choosing those who receive an ‘Award Of Excellence’ gets more challenging, as standards within The Tea Guild continue to reach new levels and this year’s London competition was no exception.”

“The Awards of Excellence to these leading establishments were presented in recognition of their admirable and consistently high standards of tea making, evident in the care and attentiveness with which they prepare and serve afternoon tea.”

She added: “In the Capital afternoon tea is now the most fashionable way to catch up with friends. It has become increasing popular be it after a busy morning’s shopping, a business meeting, for that special family occasion, a romantic date or a truly memorable experience for the bride to be and her girlfriends. More and more people are taking time out to enjoy that ‘very special afternoon tea moment’.”

Tree Brands Branch Together.

The world definitely needs more trees, so, good news!

DoubleTree by Hilton is proud to announce that they have officially become a Silver Sponsor of the Woodland Trust Jubilee Woods campaign. The celebration of the longstanding relationship between the two prominent tree brands will see 20,000 trees planted in the UK during 2012, as well as additional support of the Visit Woods initiative, an online woodland search solution which encourages nature lovers to explore the tranquillity of woodland sites across the country.

DoubleTree by Hilton, one of the most dynamic, fast-growing brands in the hotel industry, has worked with the Woodland Trust since its UK debut in 2008, by funding the planting of tens of thousands of trees, hosting Woodland Trust awareness events and connecting children with nature through Woodland Discovery Days.

The Jubilee Woods Project, which has Her Majesty The Queen’s support and HRH The Princess Royal as Patron, aims to plant 6 million trees across the UK and involve millions of people in a year of tree planting Jubilee celebrations. The Jubilee Woods project aims to create hundreds of Jubilee Woods and 60 special Diamond Woods, transforming the UK’s landscape in a generation and providing a lasting and meaningful tribute for many years to come. More than one million trees were officially planted across the UK in February during the first month of the Jubilee Woods call-to-action.

Rob Palleschi, Global Head, DoubleTree by Hilton, said, “DoubleTree by Hilton believes that small actions can collectively make a world of difference, both in our hotels and the environment. This has led to the planting of more than 350,000 trees by our brand in a variety of reforestation projects worldwide. We are honored to enter our fifth year of partnership with the Woodland Trust by celebrating such an auspicious occasion as the Queen’s Jubilee, through the planting of 20,000 trees across the UK. Along with support of the Visit Woods programme, DoubleTree by Hilton looks forward to continued work with the Woodland Trust on a series of nature education initiatives that encourage and inspire people across the UK to connect with and appreciate the great outdoors.”

The first of the 20,000 trees to be planted between DoubleTree by Hilton and the Woodland Trust for the Jubilee Woods project included the ceremonial planting of 16 Royal Oak saplings during the first full week of spring, one sapling to represent each of the brand’s 16 UK hotels. Each Royal Oak sapling has been grown from an acorn gathered from a royal estate around the country. Once strong enough, the Royal Oak saplings will be permanently planted in Merry Hill Woods, located between Harrow and Watford on the outskirts of London. The Royal Oak saplings, along with the thousands more trees planted with support from DoubleTree by Hilton, will significantly help the Woodland Trust reach their target of planting 6 million trees in the UK in 2012.

DoubleTree by Hilton first partnered with the Woodland Trust in 2008 to raise awareness of the Visit Woods campaign. As well as funding the planting of thousands of trees, DoubleTree by Hilton has also hosted Woodland Trust awareness events, connected children with nature through Woodland Discovery Days and encouraged nature lovers to explore the tranquillity of woodland sites across the country.

VisitWoods.org.uk maps nearly 14,000 woodlands across the UK giving easy access to information on nearly all publicly accessible woods. Guests at each of the 16 UK DoubleTree by Hilton hotels, whether they are in a city or rural location, can find out more about native and ancient woodlands to create a Woodland Weekend mini-break within easy reach of any DoubleTree by Hilton destination. The hotel brand already has worked with the Woodland Trust to sponsor this spring’s Visit Woods Woodland Photography Competition, currently running through June 30, 2012.

Penny Pulfrey, partnership manager at the Woodland Trust, said: “The UK lags way behind the rest of Europe when it comes to tree cover. Only 13% of the UK is covered by woodland, compared to a European average of 44%. We strive to ensure woodland is high on the environmental agenda and are delighted to continue working with a brand such as DoubleTree by Hilton, which has demonstrated genuine commitment to the environment.”

For more information about the Woodland Trust, please visit www.woodlandtrust.org.uk. For more information about DoubleTree by Hilton, visit www.doubletree.com, call 00800 2222 8733 or contact your travel agent.

Shoes for Summer: SS’12: Cushe Footwear

SS’12: Cushe Footwear

Cushe Footwear has launched its SS12 range of unconventional footwear choices for everyday life and showcased this in a beautiful behind the scenes videos and advertising campaign. I like their shoes and the feel of their campaign. The shoes look comfy and are well designed.

The SS’12 shoot chronicles ‘the road trip’ in videos which follow one man’s travels to Mozambique. This reflects Cushe’s laidback lifestyle and travel message, demonstrating how the brand create lines to cater for all aspects of a Summer adventure. This story is reflected through the behind the scenes video.

The overall theme for this season’s range of shoes was based around ‘The Wonder Year’, which translates across all forms of creative associated with the season.

Check out the behind the scenes videos.

Innocent fruit sports day | Events

Innocent fruit sports day, Regents Park, London 22nd July 2012

Dig out your shorts, dust off your running shoes and start warming up.

After three whole years, innocent’s summer festival makes a welcome return this July. As the official smoothie and juice of the London 2012 Olympic and Paralympic Games, innocent will be hosting their very own fruit sports day themed festival in Regent’s Park on Sunday 22nd July 2012.

It will be a great day out for all the family, and it’s the perfect way to get you into the spirit of the Olympic Games a week before the world’s biggest sporting event kicks off.

Over the course of the day, you’ll be able to take part in a host of fruity sports day pursuits. Enter track and field events like the 100m kiwi and spoon, squash-put or marrow-thon, pop along for a spot of peach volleyball or have a go at our take on curling with a potato and broom. You’ll be able to make and break records, be in with the chance to win tickets to London 2012 events or even race against an Olympian.

And when all that running around gets a bit much, there will be plenty of tasty, natural, healthy food to eat, a big farmers’ market to explore, as well as live folk, jazz and swing music from our acoustic stage and an eclectic mix of pop up performances from roving bands, musicians and entertainers. There will also be loads of stuff for kids to do, a warm up and work out tent, open air dance floors, poetry corner, and a chill out area with yoga and massages to soothe those weary limbs. And, of course, there’ll be plenty of smoothies to taste.

It all starts at 11am and runs until 7pm. So, pencil it in your diary, scribble it on your hand and tell all your friends.

To find out more and book tickets visit www.innocentdrinks.co.uk/fruitsportsday. Tickets will be available from May priced at £10 for adults and £5.50 for kids/concessions.

RETIRED NATION IS SITTING ON £96.41 BILLION OF PERSONAL DEBTS

Everyone thinks it is just the young who are in debt and struggling, but new research has shown that the retired are having a tough time too. Here are some stats, and a checklist to improve your living standards and boost your income.

· Average retired person has £8,180 of personal debt

· 178,000 retired people have personal debts of £100,000 or more

New research from retirement income specialist MGM Advantage reveals that the average retired person has £8,180 of personal debt, collectively equating to a staggering £96.41billion. The average level of personal debt for a retired man is £9,007, compared to £7,350 for a retired woman.

Around 178,000 retired people each owe £100,000 or more, and just over 729,000 owe between £25,000 and £100,000. Only 57% of the retired population has no personal debt.

Amount of personal debt

Number of retired people

Between £1 and £5,000

2.486 million

Between £5,001 and £25,000

1.094 million

Between £25,001 and £100,000

729,000

Over £100,000

178,000

None

6.776 million

Don’t know

523,000

Aston Goodey, Director, MGM Advantage said: “These figures are alarming. As the cost of living continues to put pressure on household finances, many retired people will feel under growing pressure to take on debt to fund everyday living.

“There are things you can do to minimise the chances of funding your retirement through debt. It is vital that people shop around for the best annuity rate to maximise the income they receive. The difference between the best and worst rates can be as much as 50%2. People should also make sure they are claiming all of the State benefits to which they are entitled and also ensure that they have accounted for all old savings accounts and pension plans.”

On a regional basis, the average retired person in Wales has personal debt of £13,857, which is the highest in Britain. This is followed by £11,758 in the South West, and £11,255 in London.

Region

Average amount of personal debt per retired person

Wales

£13,857

South West

£11,758

London

£11,255

West Midlands

£9,417

Scotland

£8,890

North West

£8,094

South East

£7,390

Yorkshire and Humberside

£7,353

North East

£6,511

Eastern

£4,759

East Midlands

£4,164

Northern Ireland

*Sample size too small to report

MGM Advantage has published a checklist of things for people to consider when making important decisions at retirement:

1. Claim all state benefits to which you are entitled, to check, go to www.direct.gov.uk

Data suggests that pensioners are missing out on up to £5 billion a year in unclaimed pension credit, housing and council tax benefits, as well as attendance and disability living allowances.

2. Keep a track on any old personal or occupational pension arrangements, if you think you might have lost track of an old pension arrangement, you can check via the Department for Work and Pensions tracing service here http://www.thepensionservice.gov.uk/

3. You can check if you have any old savings accounts which you might have lost touch with over the years by going to http://www.unclaimedassets.co.uk/

4. Don’t just accept the annuity rate offered by your pension provider. You should shop around for the best rate and you might qualify for an enhanced rate for pre-existing medical conditions

5. Seek professional financial advice as this will help you get the best product and rate for your individual circumstances, to find an independent adviser go to http://www.unbiased.co.uk/

6. You may have old National Savings accounts or Premium Bonds, to check for unclaimed prizes please go to http://www.nsandi.com/files/asset/pdf/Tracing_brochure_v03.pdf


For further information please go to www.retirementnation.co.uk