Category Archives: Featured

Working adults in their thirties are on track to be the wealthiest generation

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Working adults in their thirties are on track to be the wealthiest generation – after research found they earn the highest salary, save more and have the most disposable income.

A study into how much money the average person ‘has’ in each decade of their life revealed those aged 30 to 39 earn an average of £32,561 a year, and typically save £309 a month.

They also have the most disposable income – an average of £382 a month – and have less debt than 50-somethings – £7,196 compared to £8,315.

The study of 2,000 adults, commissioned by Equity Release Supermarket, also found that those in their thirties have an average of £10,326 stored away in savings.

Mark Gregory, founder and CEO of Equity Release Supermarket, said: “Our study revealed that while those in their thirties are impressively thrifty in their approach to money and savings, adults aged 40-49 who have had more time to save are slogging along with just £11,039.

“We know first-hand that many parents and grandparents would like to support their younger family members in their later life, whether that be with university fees, property, or other financial support.

“However, the research highlights that this may not be possible for several people in their 40s, 50s and 60s, which is where equity release could come into play as one potential solution.”

The study also found that regardless of how much is in the bank, the ability to be ‘good’ with money seems to improve with age.

Of those aged 60 and over, eight in 10 believe they are good at handling their money compared to 69 per cent of those in their twenties and 73 per cent of people in their thirties.

But 59 per cent of 20-somethings reckon they are good at saving, compared to 61 per cent of adults aged 60+.

The most common reasons people aged 60 and over believe they have good money habits simply comes from knowing how much is in their account (68 per cent) and knowing exactly where they spend their money (72 per cent).

It also emerged that when it comes to breaking down exactly what each age group splashes their cash on,  those in their twenties are most likely to spend their money on clothes, streaming services, takeaways and going out for dinner or drinks.

But adults aged 50 and over are more likely to be forking out for their energy bills, paying for petrol, the weekly food shop and insurance.

Despite having a healthy attitude towards finances, 53 per cent of those aged 60 and over still worry about money.

More than four in 10 put it down to the fact that they don’t want to get into debt, and a fifth agreed it’s because it’s one of the most stressful things in life.

Although a quarter worry about their income and outgoings because they enjoy living a comfortable lifestyle, and don’t want that to change.

But three in four adults aged 60+ believe they will always have some worries about money, no matter how much or little they actually have.

And 77 per cent admitted they find themselves fretting over how much they have pocketed for their retirement, according to the OnePoll findings.

Half of people aged 60 and above have money for the future put away in their pension and cash savings, while a fifth are relying on investments to keep them going in later life, and 14 per cent are considering downsizing.

Mark Gregory, from Equity Release Supermarket, added: “You spend your entire life building up savings – whether that’s in your pension, cash savings or investments like property – just so you can relax and enjoy your later life retirement years.

“But that doesn’t stop people worrying about money throughout this entire cycle.

“There are plenty of ways to give yourself that added bit of reassurance and equity release is just one option.

“Many people don’t understand the features and benefits of equity release as a possible solution to support retirement, enabling them to subsequently fulfil their financial wishes.

“When we’ve worked so hard to put money away, it’s always good to know there are other options available.

“While it’s not the only option to raise capital for an enhanced retirement, equity release could be beneficial and should always be considered with the right financial advice.”

Breakdown of ‘wealth’ by decade:

Current cash savings

20s – £7,232.11

30s – £10,326.33

40s – £11,039.59

50s – £16,704.68

60+ – £20,588.30

Salary

20s – £23,920.13

30s – £32,561.51

40s – £32,175.52

50s – £28,771.27

60+ – £25,771.91

Debt

20s – £15,950.99

30s – £7,196.98

40s – £7,017.62

50s – £8,315.31

60+ – £4,654.33

Disposable income per month

20s – £269.49

30s – £382.85

40s – £364.25

50s – £362.64

60+ – £382.58

Money put away in savings each month

20s – £243.73

30s – £309.36

40s – £282.28

50s – £259.60

60+ – £264.17

Leapfrog Shapes & Sharing Picnic Basket

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picnic basket, for kids, toys, reviews, tech, vtech

It is summer time and the living is easy. It is perfect picnic weather so this Shapes and Sharing Picnic basket from Leapfrog is the perfect toy. It is bright and colourful and it is great for learning.
Your child can learn about food, shapes and colours. Shape sorters are great toys for children, helping their coordination and learning all about different shapes. The picnic basket also sings and talks. I find toys with food are great for helping to encourage children to eat.
I highly recommend the Leapfrog Shapes & Sharing Picnic Basket because it is such a multitasker.

Leapfrog Shapes & Sharing Picnic Basket, toys, toy

Leapfrog Shapes & Sharing Picnic Basket, leapfrog, toy, toys, picnic basket,

Pretend to snack on yummy treats while exploring food, shapes and colours with the talking Shapes & Sharing Picnic Basket. The basket always says its pleases and thank yous too! Then put the pieces back in the basket with the shape sorter for fun on the go.

Leapfrog Shapes & Sharing Picnic Basket is available here.

Eliminating 12 modifiable risk factors could reduce dementia cases by 40%

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  • Excessive alcohol consumption, traumatic brain injury and pollution included in new findings
  • Sleep a possible risk factor but more research needed
  • Lower income countries at greater risk

A new report has estimated that the number of dementia cases worldwide could be reduced by 40% if 12 risk factors for the condition could be completely eliminated. The Lancet Commission Report has included excessive alcohol use, traumatic brain injury (TBI) and pollution as three new risk factors in its updated model for dementia risk. The report, supported by Alzheimer’s Research UK, is published today (Thursday 31 July) at the Alzheimer’s Association International Conference 2020.

Dr Rosa Sancho, Head of Research at Alzheimer’s Research UK, the UK’s leading dementia research charity, said:
“This collaborative report from dementia experts across the world highlights a number of potentially modifiable risk factors for dementia throughout a person’s life. Research is constantly uncovering more about dementia and this is the most comprehensive overview into dementia risk to date, building on previous work by this commission and moving our understanding forward.

“As new studies continue to develop the evidence base on dementia risk, the report has identified three new risk factors for dementia. More evidence on the complex topic of sleep is needed before we can make a judgement on its impact on dementia risk, but we hope this report will act as a catalyst for further research.

“With no treatments yet able to slow or stop the onset of dementia, taking action to reduce these risks is an important part of our strategy for tackling the condition. Prevention strategies must be underpinned by robust evidence and while our understanding of dementia risk is growing, there is still much we need to know about the different risk factors for dementia.

“This report underlines the importance of acting at a personal and policy level to reduce dementia risk. With Alzheimer’s Research UK’s Dementia Attitudes Monitor showing just a third of people think it’s possible to reduce their risk of developing dementia, there’s clearly much to do here to increase people’s awareness of the steps they can take.

“While there’s no sure-fire way of preventing dementia, the best way to keep your brain healthy as you age is to stay physically and mentally active, eat a healthy balanced diet, not smoke, drink only within the recommended limits and keep weight, cholesterol and blood pressure in check.”

The first-ever probiotic to offer proven weight loss: ProVen Probiotic

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pro ven, probiotics , shapeliness,

I reviewed the brand new ‘ShapeLine’ probiotic from Pro-Ven probiotics  to see if the hype is real. Here is what they say:

REVEALED: FIRST EVER PROBIOTIC TO OFFER PROVEN WEIGHT LOSS

It’s a new and exciting era for probiotic supplements. The brand new ‘ShapeLine’ probiotic from Pro-Ven probiotics has proven to reduce weight, waist circumference and BMI in the largest clinical study of its kind. Participants of all ages saw a reduction after taking one capsule every day, for six months. The results are even more impressive as participants were not placed on made no changes made no changes were a mixture of a calorie controlled to lifestyle to exercise regimes ages and gender diet indicating that all of the weight reduction benefits were as a result of the probiotic!

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To dismiss any likelihood that this was a ‘one-off’ finding, the researchers repeated the study with the same target group of people over 45 years of age and have found even more impressive results

The two studies show…

Weight loss of between Reduction in waist Reduction in BMI 3 and 7lbs circumference of 1-2 cm 1-4%

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Results were most significant for the following groups…

50+

An average weight loss of 4-5lbs and 2% reduction in BMI page1image47035904

HIGHER CHOLESTEROL

An average weight loss of 5lbs

50+ PLUS

HIGHER CHOLESTEROL

Aa significant reduction in cholesterol levels average weight loss of 7lbs.

Alongside impressive weight management results, the ShapeLine study also found impressive wellness benefits, which include…

A 40% reduction in A 30% reduction coughs and colds in headaches

Improved energy Improved mood

The new Pro-Ven ShapeLine is perfect for…

Women trying to shift the stubborn ‘muffin top’ and men looking to reduce their spare tyre anyone wanting to achieve weight loss in a healthy and sustained way

Those looking to maintain a healthy weight or prevent rebound weight gain those looking to reduce their high cholesterol

Anyone invested in their overall health, looking to improve their gut health those suffering from headaches, cold and flu, lack of energy or lack of mood.

So what did I think? They work. They really do. I did lose weight and my stomach was the flattest it has ever been. I felt better in other ways too. I will definitely buy these and use them again and again. I am sold . They are available from Amazon here. 

Frost Loves: Dantoy “I’m Green” Line of Bioplastic Products & Toys

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green toys, bioplastic, toys, toy reviews, Dantoy,

I am always on the lookout for environmentally-friendly products. Sustainable living is important to me, and important to all of us at Frost. Dantoy ticks all of our boxes with these gorgeous and well made products. Their is a pretend play dinner set and an equally gorgeous Bio-Toy Bucket and Spade 4 piece set.

From the moment my children saw this 22-piece, pretend play dinner set their eyes light up and they have played with it non-stop since. It is excellent to get my toddler daughter to try different foods too. It can be used for garden picnics. Ideal for playing it is safe, durable and toxin free. It encourages social skills, interaction and helps children to learn whilst having fun.

The bucket and spade 4 piece set has been played with non-stop, especially as the weather is so good. The toys are stylish, green and high quality. I cannot recommend them enough. 

Dantoy have launched a brand-new “I’m Green” line of bioplastic products, their bioplastic is made of at least 90% sugarcane, a sustainable raw material, and their bioplastic is 100% recyclable.

Dantoy leads the way with their bioplastics. The manufacture of bioplastics reduces carbon emissions. The sugarcane is cultivated on controlled, pesticide-free plantations in central and southern Brazil. The sugarcane is harvested every 6 – 12 months. Bioplastic made of sugarcane is a 100% sustainable raw material.

Traditional plastic is made from crude oil, whilst dantoy “I’m Green” PE (bioplastic) is made from at least 90% sugarcane (ethanol). Ethanol, a form of alcohol, is extracted from sugarcane, after which it is used to make bioplastic.

The sugarcane used for dantoy bioplastics grows in plantations in the southern and central regions of Brazil, more than 2,500 km from the Amazon region. The enlargement of areas for cultivating sugarcane is managed by “Sugarcane Agroecological Zoning”, formed by Brazil’s federal government. The harvested sugarcane is conveyed by train for further processing, which is more eco-friendly than being transported by lorries.

Sugarcane can be harvested several times a year. New sugarcane plants are planted every five to seven years. The fields are harvested every six to twelve months enabling them to be classified as a sustainable raw material. Sugarcane absorbs carbon dioxide from the air, thereby minimising the greenhouse effect. For the manufacture of bioplastic, the carbon emissions accounts are positive from the budding of the plant until it is manufactured into bioplastic. For each kilo of manufactured bioplastic, 3.09 kg of carbon dioxide are removed from the atmosphere.

Dantoy’s packaging is all made from recycled cardboard. Their toys are made to last and are approved for contact with foods, microwave safe, dishwasher safe, frost-proof and contains no toxins.

Dantoy’s range of bio toys includes the popular 22-piece, pretend play dinner set which can be used for garden picnics. Ideal for playing it is safe, durable and toxin free. It encourages social skills, interaction and helps children to learn whilst having fun.

Dantoy believe that people should buy less, buy well. That is why their toys are only made with sustainable products.  We can all be eco-friendly and by choosing brands who care will make a little difference.

The Dantoy Bio-Toy Pretend Play Dinner Set 22-Piece set costs £18.73 from Amazon.

Dantoy’s range of bio toys includes the bucket and spade set, pretend play dinner set which can be used for sandpits, the beach or mudk itchens. Ideal for playing it is safe, durable and toxin free. It encourages social skills, interaction and helps children to learn whilst having fun.

bucket and spade, bioplastic toys, green toys,

 

The Dantoy Bio-Toy Bucket and Spade 4 piece playset costs £28.99 from Amazon

My Writing Process Rachel Billington

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A bit about you. 

Place matters to me. In books and in life. I’m a hybrid: city and country, I need both. London, always London, apart from two years when I worked in New York and met my husband, Kevin, there.  In 1968 we bought a fourteenth century house in Dorset. We still have it. I’ve always written. I edited a magazine when I was eleven. I published my first novel in my twenties. I have to write every day. When I had four children in day school, I still wrote. I can’t imagine how people manage without writing. Now I have five grandchildren and my youngest wrote a book so I illustrated it. That was a surprise. From 1998-2001 I was President of PEN. I am Associate Editor of Inside Time, the National Newspaper for Prisoners. I write for every issue. I have always reviewed and written comment pieces for various newspapers.

What you have written, past and present.

I’ve published over thirty books. 23 novels, last 3 historical, Glory – The Story of Gallipoli and Maria and the Admiral. My favourites before that are A Woman’s Age, Bodily Harm and Lies and Loyalties. All very different subjects which publishers complain about. I have also written six novels for children, including Poppy’s Hero and Poppy’s Angel, about a girl whose Dad is in prison. Plus four religious books for children and a sequel to Jane Austen’s Emma.

What you are promoting now. 

Clouds of Love and War is about a Spitfire pilot in WW2 and a young isolated woman. It tells the story if their love affair against a background of war. Eddie wants to escape the world and reach the clouds. But he hadn’t counted on killing. Eva wants to paint and she wants Eddie. The war makes their coming together rare and remarkable. 

A bit about your process of writing.

Until my last book, I wrote longhand with a pen (black ink) and then paid a friend to put it on the computer. Once it was there I went through many drafts, editing down, particularly the opening chapters because I like to write forward without doing more than minor corrections until I’ve finished the whole book. This means I am over-writing early on and self-editing as I progress. 

Do you plan or just write?

It depends on the book. Longer books need more planning, chapter by chapter, bit shorter books can be freer. Often I know everything except how the story will end. But sometimes the ending is what inspires me to write the book. Characters come first of all and continue their wayward path through the book. When their personalities change, I change their names. Sometimes I’ll run through three or four. I write to surprise myself.

What about word count?

Again it depends on the book – or rather on the subject, although my books were much shorter when I started writing, one was only about 60,000 words while Glory was well over the 200 hundred mark. Circular books tend to be shorter, books with a strong narrative flow longer. The book I’m working on at the moment, They Were Sisters, is about 120,000 words.

 

What do you find hard about writing?

I find it all difficult but absolutely enthralling.  I do find it really hard when my characters are suffering. I wrote a novel called ‘The Missing Boy and found the thirteen year old’s unhappiness horribly upsetting. I long to write books with happy endings but seldom achieve it. 

 

What do you love about writing? 

I love being totally in charge of interesting people and events, but totally on my own. I love the look of a blank page – or blank screen. I love the way I challenge myself to make my brain imagine and invent.  I love the excitement when an idea comes into my head; my heart beats as fast as if I was running. I love using words like an artist uses paint. I love the balance of certain sentences, like a musical phrase.  

 

Advice for other writers.

Write! If you’re not sure what to write, write a diary. Write every single day. When you do set off on a bit of work, finish it. This very important. Anyone can begin a piece of writing but not many can get to the end. Keep at least something about it secret. Great ideas can dissipate if shown too much light of day. Only show it for criticism when you have gone as far as you can. Never despair. Often the best writing comes out of the worst. Good luck!

 

Looking After Yourself While Isolating at Home

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Many of us were growing sick of the self-isolation and were looking forward to things going back to normal. Unfortunately, as explained in an article by The Telegraph, the government’s plans to slowly ease lockdowns across the UK have had to be immediately halted as various cities have seen a significant spike in the number of active cases being reported daily. As of writing, the average number of new cases per day in the UK is 816, based on an article by The Guardian.

This means that Brits are now being forced to go back into the comforts of their homes and self-isolate once again. Many of us are well-aware of just how difficult self-isolating can be — especially if you have been doing it for more than four months now. This undeniable difficulty is the reason why it is all the more important for each and every one of us to take the time to care for ourselves as much as we possibly can. If you are one of those people who are still looking for ways to take better care of yourself, here are easy-to-follow tips you can take inspiration from:

Have a skincare routine

Dermatologist Dr. Heather Woolery-Lloyd explained how investing in a skincare routine not only helps treat skin conditions that often cause a lot of people to lose confidence but also encourages many of us to engage in an activity that promotes self-love, self-acceptance and healing. Contrary to popular belief, skincare routines don’t always have to be intricate or expensive. Sometimes you just have to have the best moisturizer with sunscreen. The best SPF moisturizers reviewed by Forbes are often labeled “broad-spectrum” since these are great in blocking both types of UV rays – thereby preventing signs of photo aging, as well as minimizing your risk of getting skin cancer.

Learn to pleasure yourself

For many people, being stuck at home translates to being apart from their significant others for long periods of time, and without a doubt, this can be extremely frustrating. If you are one of those people, then maybe now is the right time for you to consider using toys that can help you reach your peak. Aside from helping you ease some of your frustrations, Bustle detailed how pleasuring yourself can actually help you deal with anxiety and depression, practice mindfulness, achieve a better self-image and feel more empowered. Sometimes picking a toy can be incredibly intimidating, especially if the idea of using one is foreign to you. In this case, it would be a good idea to use toys that are very handy, are not intimidating and come in discreet sizes and shapes. The bullet vibrators listed on PrettyMe include cute pieces that could even pass off as one of your lipsticks, making it perfect for those who are a little more conservative than others.

Eat healthy

As the old saying goes, you are what you eat. And during these trying times, this adage is truer than ever before. Aside from keeping you physically healthy, eating the right kinds of food can also significantly contribute to making you feel better and improving your mental wellbeing. For instance, as highlighted in our previous post ‘Five Reasons to Maintain a Healthy Gut’, foods that promote gut health can help alleviate the symptoms of various mental health issues such as anxiety, depression and period of low moods – which can all be debilitating at times. Some of the mood-boosting foods enumerated by The Healthline include fatty fish such as salmon and albacore tuna, as well as dark chocolate, fermented foods, berries and plant-based proteins such as lentils and beans.

We are currently living in a world where nothing is certain. And sure enough, this new reality can cause bouts of anxiety for many. This makes it especially important for us to zoom in on participating in activities, such as having a skincare routine, eating healthy and learning how to pleasure oneself, which can promote self-care and help us live through these trying times.

Post in collaboration with Martin Wilson

6 Benefits of Sleeping on Your Side

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Most of us don’t put much thought into what sleeping position we sleep in at night. We’re often more worried about getting enough sleep or being able to fall asleep in the first place. But the position you choose to sleep in could be having an impact on your health. 

Side sleeping is the most common sleeping position in the U.S. Research has shown that people who sleep on their side are often much healthier than people who choose to sleep on their back or their front. The health benefits of sleeping on your side can range from enhancing brain health to relieving aches and pains. If you want to learn about some of the other benefits of sleeping on your side, then keep reading below:

  1. It Can Support Brain Health

While this benefit may come as a surprise to you, sleeping on your side could actually help to support our brain health. The Journal of Neuroscience states that while we sleep, our bodies work hard to clear out any waste left behind in our brains. If our brains do this effectively, it could help reduce our chances of getting neurodegenerative diseases like Parkinson’s or Alzheimer’s, and it could help to increase our brain activity and longevity. Research has shown that sleeping on your side can help with this process. 

  1. It Can Reduce Your Aches and Pains

If you struggle with aches and pains, then now might be the time to start sleeping on your side. You will need a good mattress for side sleepers and a supportive pillow, which you can place between your knees. Sleeping in this position allows your spine to remain extended and neutral, which helps reduce neck and back pain. It has also been shown to help relieve pressure on your wrists.

  1. It Can Reduce Sleep Apnea and Snoring

Sleep apnea and snoring occur when you struggle to breathe while you’re sleeping. This happens when your airway closes or becomes restricted. Sleeping on your side will help you to keep your airway open. This will allow you (and your partner) to get a better night’s sleep.

  1. It Can Be Good for Digestion

Research has shown that sleeping on our left side can help improve digestion and help to regulate bowel movements. So, if you’re struggling with infrequent bowel movements, why not give sleeping on your left side a try? 

  1. It Can Help Relieve Heartburn

Lots of us struggle with heartburn. The symptoms of heartburn (or GERD) include regurgitating food when you burp, a burning sensation in your chest or throat, having the sensation of a lump in your throat, chest pain, and difficulty swallowing.

The symptoms of heartburn often get worse when we lie down. This can make falling to sleep and sleeping through the night a real challenge. However, you may find that lying on your left side with pillows under your head and neck will help to relieve some of the symptoms you’re experiencing. If you still experience symptoms, then purchasing a wedge pillow may help. 

  1. It is the Perfect Position for Pregnant Women

Lots of pregnant women find sleeping difficult. The recommended sleeping position for pregnant women is sleeping on your left side. Sleeping in this position stops you from putting pressure on your liver, it can help improve blood circulation, and it can help reduce your chances of developing high blood pressure. 

If you’re used to sleeping on your back or front, then you may find it hard to fall asleep on your side, but it can be done. It may take a little bit of time to get used to side sleeping, but the health benefits that are associated with it are worth the effort. Will you choose to change the way you sleep in order to improve your health? 

 

This is a brand post with our partner.