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

Into The Abyss: A Tale Of Death, A Tale Of Life by Daniel McCarthy

With an output rate that would make Woody Allen envious and a string of classics ranging across four decades, the prolific German filmmaker Werner Herzog has built up a devoted international following and critically gilded canon of work that most directors can only aspire to. This includes a recent spate of documentaries that look with awe at the power of nature such as last year’s brilliant Cave Of Forgotten Dreams. Herzog is fascinated however with the sometimes cataclysmic clash of nature and man, both fictional and factual, from the likes of Aguirre Wrath Of God and to Grizzly Man. Now Herzog has taken a more definitive step towards the flawed nature of man with his latest work Into The Abyss, a calm yet unflinching examination of the death penalty in America shown through the prism of one particular crime. Many of Herzog’s films can claim to look into an abyss, whether it is literal or metaphorical. Whichever way you view this latest work, it is arguably one of his strongest pieces yet.
In October of 2001 Michael Perry and Jason Burkett, two teenagers with troubled backgrounds living in Texas, broke into the house of a fifty year old nurse Sandra Stotler with the intention of stealing her sports car.

The crime ended with her death, as well as that of her son and his friend who were ambushed upon their return to the house, led into a wooded area and killed in order to gain possession of the remote control device needed to open the gates of the housing community where they lived. It is a crime noticeable for both its callousness and stupidity. Perry and Burkett where arrested days later after a shootout with police and proceeded to blame each other for the events that took place. Burkett was sentenced to life imprisonment whilst Perry was sentenced to death. The sentence was carried out in the summer of 2010. Herzog interviews the two men at their respective prisons (Perry was only eight days from execution during his interview) as well as members of the victims’ families and some of those directly involved with the process of state executions.

From the outset Herzog makes his views clear to the two men and to the viewer; ‘I don’t have to like you, but I don’t think human beings should be executed.’ His view is a humanist one, not political despite its release coming just ahead of the Republican presidential nomination in America. Despite not shunning away from the horror of the crimes committed, judgement is not heaped upon the convicted men. The conversations with them are quietly unnerving; despite having claimed his innocence Perry views his impending death with serene calm whilst Burkett discusses the troubled relationship with his father who is also imprisoned in an adjunct prison ward for a separate crime. Their pasts and backgrounds are referenced but are not used as an excuse. Instead a complex tableau is woven on both sides with family members of the victims revealing how they have been affected by the tragedy and whether or not they feel the execution will heal their pain whilst Burkett’s father holds himself responsible for his son’s wayward lifestyle. Compared to the pacing of Herzog’s fictional work and some of the documentaries, there is a unique stillness to the imagery and the tone that is tremendously sombre and effecting. The camera roves effortlessly and holds on the smallest of details; the scattered, rural landscape that prisoners pass through on their way to the ‘Death House’, the faces of interviewees left hanging at the end of questioning and not given the mercy of a quit cutaway. Rather than adhere to standard rules of documentary film-making, Herzog is drawn to what he refers to an ‘ecstatic truth’. The point is made not through a deluge of facts and figures but instead a hidden narrative construct takes us on a journey through the incredible true story and in doing so deepens the emotional response.

There’s plenty of emotion on display here. The tale is tragic on both sides and the interviews are to the point, precise and devastating. Herzog’s trademark accented narration is toned right down and he never appears directly onscreen. There is a stillness in both the one to one and interviews and the establishing shots between them as though the camera itself is respectfully treading away from anything exploitive. Crime scene footage is seen but never lingered over. Out of the remnants of the tragedy, it is the small fleeting moments of humanity that move the deepest. An anecdote about squirrels on a golf course manages to evoke tears from a prison chaplain whilst a former captain of the ‘execution team’ recalls the exact moment when he realized he could no longer carry on with his job. The film is separated into individual chapters covering the crime, the aftermath and the debate surrounding capital punishment. The last chapter is optimistically titled ‘The Urgency Of Life’, and we focus on the acceptance of the various parties involved as they discuss how the execution has and has not restored equilibrium to the situation. Rather than end on a bleak epilogue Herzog pulls off an odd, vaguely amusing and hopeful vignette. One of the final shots is a phone screen capture of an ultrasound scan revealing a child. To say anymore may rob its power, but it’s a beautiful little grace note that only this director could pull off.

I had the good fortune to see Into The Abyss at a preview screening followed by a live stream Q and A session with Herzog himself. It was a fascinating experience to hear the man give insight into his method and viewpoint on his work and how he tackled the more stressful aspects of the production. The film is being released as a companion series, On Death Row screens on Channel 4. Though at time of writing I have only seen half of the episodes, it has all the merits of the main work itself; sombre, thoughtful and astonishingly balanced in approach to its subject. With these projects Herzog is staring death in the face. And death stares straight back.

Free Interior Guide Book to Transform your Home

It is very rare to get anything free in life, but Frost has come across a free interior guide booklet.

1-2-3 Transform Your Home a FREE step-by-step interior guide showing how to bring the joy of spring/summer indoors in 2012

The Flower Council of Holland (FCH) has created a beautiful FREE online booklet demonstrating how to bring the joy of spring indoors with flowering bulbs in pots and cut bulb flowers.

Available exclusively from www.funnyhowflowersdothat.co.uk, design and gardening enthusiasts can use the booklet to gather ideas on how to create attractive indoor displays with spring bulb flowers using a variety of vintage and contemporary containers and vases. As easy as 1-2-3, bulb flower displays around the home are guaranteed to bring happiness and brighten up any dark corner.

The 1-2-3 Transform Your Home booklet is a step-by-step guide focusing on five of the nation’s favourite flower bulbs: Tulip, Hyacinth, Iris, Narcissi and Calla Lily and explains how they can be used to transform different rooms in the home with diverse styles and scents.

Jacqueline Doornekamp from the Flower Council of Holland, says:

“Flower bulbs in pots and cut flower bulbs in vases are a simple yet stylish solution to refreshing tired interiors. This free step-by-step guide shows the easy and affordable way to lift your mood and transform your home.”

Frost Loves | New Girl & Zooey Deschanel

The last episode of New Girl that I watched had the truest relationship between women I have seen on TV for as long as I remember. I laughed in recognition of how a women really insults another women, in a subtle way that men think is a complement. How sometimes we just don’t get along because we think we have nothing in common, but really, we are more like each other than we will ever know. Dessert person or not.

Some of the press has been quite unfair to Jess, Zooey Deschanel’s character, for being ditzy and different. And I am not quite sure why. It is an actress in a lead role with her own TV show. She is not playing someone’s girlfriend or mother. She may be a kooky and different, but I have friends like Jess. She’s an endearing character who, granted, can be a bit annoying sometimes. But she cares about people, she is loyal to her friends, she is a good person. So to all of the people who think she is a bad role model I say; screw ’em.

Channel 4 revealed that New Girl has topped the 4oD chart for a second month, with an increase in VoD views to an impressive 3.3m.

Channel 4’s archive and catch up content attracted 45 million views throughout February, across all platforms on which 4oD is available, bringing total YTD views to 93 million.

The main 4oD platform, 4oD on Channel 4.com, drew 4.3 million average monthly unique users.

Add a touch of vintage to your ready-to-wear wardrobe: ShopStyle 1st Event announced.

Add a touch of vintage to your ready-to-wear wardrobe

with these top tips from Mrs Jones for SHOPSTYLE.CO.UK

Have you ever fancied adding a touch of vintage glamour to your high street party dress, but then frozen in fear when you face paying for something that smells like it has a history? How much is a fair price? What’s an investment? And what’s a mistake?

To mark the launch of ShopStyle.co.uk’s vintage styling evening with Mary’s Living & Giving (the charity shops set up by Mary Portas) and in aid of Save the Children, the UK’s leading online fashion shopping site has invited celebrity stylist Mrs Jones (clients include Rihanna, Goldfrapp and Paloma Faith) to give her top vintage shopping tips.

Mrs Jones for ShopStyle.co.uk says vintage clothes shopping can be fun but warns of the pitfalls. “Check fabrics carefully as the smallest hole will enlarge before you know it. I bought a silk dress for a video thinking I could repair it to last forever. The garment was in tatters by the time the shoot was over”.

Mrs Jones tips for vintage shopping:

Where to Shop

· The best places to get a vintage bargain are normally charity shops and boot sales. Not only are you finding some great items when shopping at a charity shop, but you’ll also be aiding those in need.

· Vintage clothing stores can be found in most major cities. They have some beautiful collections but can be pricey. This is good for people who want the vintage look but don’t want to do the searching.

· Auction web sites are great for vintage shopping. Be careful you don’t get carried away on bidding, stick to your maximum limit otherwise it’s not a bargain. Look out for bad pictures (some purposely upside down). Be sure to read the garment details. Some items look great in an image but if the fabric is synthetic polyester (unless you’re going for the 70s look), you may be disappointed when it arrives.

· Vintage fairs and festivals are becoming popular throughout the UK. You’ll find experts in vintage clothing selling their wares and whilst some pieces may be expensive, many vendors also have bargains.

How to Shop

· Don’t be put off by smells. Some bits can have a whiff of mothballs or smell a bit musty.
These can easily be removed with a trip to the dry cleaners. Although, and it is not very pleasing, body odor left on garments is one of the most difficult smells to get rid of, even with dry cleaning.

· Some old clothes and accessories such as handbags can look beautiful and very tempting but be careful as they can just disintegrate especially silk and lace. Give the garment a little test, pull the fabric in both hands and with your thumb nails give it a rub/scratch. If you see the threads of the fabric move about or crumble, leave it on the rack.

· Make sure you try things on or properly hold up to your body if you don’t like the idea of trying before cleaning. Older clothes are generally a lot smaller as people were smaller than they are now. (eg., a size 12 will usually be a size 10.)

ShopStyle.co.uk will host its first in-store event on 29th March at Mary’s Living & Giving in Notting Hill, London, in aid of Save the Children. With canapés and champagne in hand, guests will enjoy their very own vintage styling tips from Mrs Jones and take part in an amazing fashion raffle. ShopStyle.co.uk’s online style team will also be on hand to help digital fashionistas find out how to bag the best vintage and new fashion online.

WHO: ShopStyle.co.uk and Mary’s Living & Giving Shop

WHAT: Styling tips, champagne and canapés, raffles and fundraising for Save the Children

WHEN: 29th March 2012 from 6pm – 9pm

WHERE: Mary’s Living & Giving Shop (Notting Hill location)

177 Westbourne Grove

London

W11 2SB

Entry to the shopping evening is free, however there will be a small gift for all guests who show up with stylish donations of their pre-loved designer fashion or vintage pieces.

Frost will be there, we hope you will be too.

Calling all football fans! Win a training session with Anton Ferdinand

Calling all football fans! Win a training session with Anton Ferdinand

A once in a lifetime opportunity is up for grabs for budding footballers and fans of Anton Ferdinand and Queens Park Rangers FC, all in the name of charity.

Premier League footballer Anton Ferdinand is taking time out from his rigorous training schedule to support Billi Mucklow and Cara Kilbey of The Only Way is Essex, who are aiming to raise a massive £10,000 for Samaritans. Anton is offering an hour’s football training session for ten lucky people, to help raise vital funds for the charity that answers more than 5 million calls a year from people who are struggling to cope.

To be in with a chance to win this dream prize, bidders need to take part in an online auction which is open now and will run until midday on Monday 2 April 2012. Place a bid now by visiting http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&item=150786207098 The 5 highest bidders will win the opportunity for them and a friend to attend a training session with Anton which will take place at Lucozade Powerleague Docklands on Wednesday 18 April at 2pm.

Anton said: “I’m really pleased that I am able to offer this prize and support Billi and Cara in their marathon challenge. Samaritans is a fantastic charity that offers 24 hour confidential support to anyone, no matter what the problem. Get bidding, I will make sure this is a training session you will never forget!”

On Sunday 22 April Billi and Cara, from The Only Way is Essex are running the Virgin London Marathon in aid of Samaritans. As well as putting themselves through a punishing training schedule in preparation for the 26.2 mile race, the girls have been busy enlisting their celebrity friends to help them reach their fundraising target.

Billi said: “Massive thanks to Anton for donating this prize and supporting us in our crazy quest!”
Cara continued: “We really believe in the work of Samaritans and hope that the general public get behind us and help us raise as much money as possible so the charity can continue their lifesaving work.”

To help Cara and Billi reach their huge fundraising target, please sponsor them by visiting their Virgin Money Giving page: www.virginmoneygiving.com/BilliandCara

Storm Launch New Range | Preview

I love watches. It must run in the family as my dad has well over 100. The first ever watch I bought was a Storm watch, it was silver with a big purple face. So it is fair to say I am a fan of the brand. I went along to The Sanderson Hotel to check out their new range.

Storm are always have cutting edge designs. Their watches are well made and beautiful to boot. Storm is the only recognised British watch brand on the market today. Storm is still quite young, it was launched in 1989. Their range has expanded to include not only watches but also jewellery, bags, eye wear, sleepwear and fragrances. All of which is sold in 45 countries internationally. Well, it’s enough to make you feel proud.

I will be honest and say that I did not know that Storm did perfume, but they do, for him and her. The packaging is slick (like everything with Storm) and the smell of the Touch and Electric are both divine.

The Touch gift set is only £19.99 for 100ml fragrance and 150ml of shower gel. It smells the right side of tropical with lemon, green leaf and tropical fruits on the top note with a blend of white jasmine, cedar amber and brown sugar. The make version runs along the same lines but is a but different with patchouli and sandalwood, ginger and lavender. Makes me want to eat it….

Another thing I love about Storm is that I am not allergic to any of their jewellery. I really love men’s watches on women, I am partial to a chunky watch, but love a slimmer, elegant one for evenings. I have chosen some of my favourites from the range. Which was a hard thing to do, as I love them all!

Featured watch: Atlas

Bion. £99.99

Black Out

Dualon

Elody Gold

A multifunctional timepiece with a pearl dial, sparkling crystals and stainless steel case and strap. The Elody is Storm Black’s Newest gem. It has Swiss movement and Storm Black’s signature Onyx set in the crown. This watch is perfect if you want a bit of luxury in your life. Price is £279.99 – £319.99.

Excalibur

Limited Edition with only 5.000 piece available worldwide. Has a wonderful fully exposed watch face showing it’s mechanisms. Also water-resistant up to 50m. Silver: £369.99

Kelli

This is very in at the moment. It embraces this seasons colouring blocking trends. Has cut away strap. £99.99

Trilogy

This is another limited edition piece. Only 3,000 made. It has 3 time zone, raised face, leather strap, stainless steel case and is water resistance up to 50m. Perfect for travellers. From £169.99

It is the Olympic year and Storm is a British brand, so it makes sense for the Nexon to have the colours of the British flag featured in the polycarbonate links in racing stripe form. RRP £109.99

The Una also has patriotic style. These stylish watches can be bought in red, white and blue. £69.99 – £84.99.

Storm also does some great bags for men and women.

And some great jewellery.

Spring into Easter Sunday with Lunch at Babylon

Looking to banish winter blues and summon the spirit of the new season? Head straight to the award-winning Babylon Restaurant at The Roof Gardens in Kensington and treat the whole family to a memorable Easter.

To celebrate Easter Sunday, on the 8th April each guest will be treated to a complimentary Easter bunny rabbit shaped chocolate lollipop from a lucky dip. Each lollipop will have an envelope attached to it where guests will find out if they’re one of the lucky ones to win a fabulous mystery prize. Prizes will include 20% off your next Babylon booking, a year’s Club membership for the Private Members Club on the 6th floor, a VIP table for you and your friends in the Club to name but a few.

The delicious Easter menu offers a selection of favourite roast dishes including tender roasted Pork Belly with Bramley Apple Sauce or mouth-watering Roast Beef. All roast dishes are accompanied by sharing platters of seasonal vegetables and roast potatoes. With a menu bursting with equally enticing starters, vegetarian dishes, and indulgent desserts, the whole family will be catered for this Easter. Kids (and adults too!) will also be able to enjoy a visit from The Roof Garden’s very own magician Easter Bunny as they tuck in to a three course children’s menu priced at only £8.00.

The Babylon menu is priced at £26.00 for two courses and £29.00 for three courses. For reservations please call Babylon on 020 7368 3993 or visit Babylon@roofgardens.virgin.com