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The fall in value of currencies, while costs continues to rise is causing millions of older people around the world to fear what their life will be like in their senior years. There is so much uncertainty that retirement savings carefully put aside for all those years will no longer be sufficient to provide the expected comfort in later life. Such questions as what would happen if they developed health problems, what if one partner dies and the other is left, what if they could no longer afford to live in their family home.

It is not all doom and gloom. According to USNews Money department writer, Richard Satran in an article published 5th March 2103:

Fear has motivated people to start saving more, but here are two positive ways to upgrade savings

Older couple reading a document while sitting together

Given a half-decade of economic uncertainty, fear may still be the biggest motivator for retirement saving. The financial crisis inspired people everywhere to save more and hold off on short-term spending. “It shook people out of their complacency and got them thinking, ‘I should save more,'” says Ken Hevert, Fidelity’s vice president of retirement products. “All age groups—young people, too, are showing a tendency to be more conservative.”

New surveys by two leading financial-services companies show how attitudes toward saving have evolved, and highlight a couple of easy steps that can have a big impact on savings.

 These easy steps can be summarized in the following two tips:

“Tip 1: Planning for retirement boosts savings dramatically” – the planning process gives them positive goals for retirement

“Tip 2: Putting eggs in more than one basket produces far higher returns” …. “opening more channels for collecting funds has a positive effect on the amount people save”

Does planning give people a sense of taking control of their lives which helps to overcome the fear factor?

 Click here to read the full article.

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Best wishes to you all for the festive season and may 2013 bring you love, peace and happiness.

 I have talked about the delightful animated cards from Ojolie.com in  another post this month so I thought I would send one to you all to see why I find them so appealing. Here is my favorite for this year for you all to enjoy.

PAPERCUTPEACEONEARTH01P2

 

Australians looking to buy one of the new Apple iPad's should take care not to confuse the advertised 4G advertised as a new feature with Telstra's fastest wireless network, also called 4G.

Telstra's 4G network operates on a 1800MHz frequency, while the iPad 3 only works on 4G frequencies currently available in the US and Canada and will not pick up an Australian 4G frequency until at least 2015.

 

Apple offers refund to new iPad customers in Australia over 4G capabilities – Fox News

Apple has offered to refund Australian customers who bought the new iPad expecting to use the country's 4G network, but denies it has misled the public.

In Federal Court proceedings brought by the national consumer watchdog in Melbourne on Wednesday, lawyers for Apple said the company was willing to take steps to ensure consumers did not mistakenly buy the iPad 3 believing it could connect to telecommunications giant Telstra's fastest wireless network.

Paul Anastassiou, representing Apple, said it would offer refunds and returns to customers "if they claim to have been in any way misled in relation to the reference to 4G."

"At no point in any promotional material for which Apple was responsible has Apple said at any time that the new Apple device is compatible [with Telstra 4G]," he said."

Christmas Holly

It's Christmas once again, and all around there's lights, food, song and cheer. Yet somehow the hustle and bustle only makes you more depressed and lonely. Do not fear; you are not alone! The holiday blues isn't uncommon, and there are lots of ways you can beat them and have more than a merry Christmas.

1. Know why you are sad.

Is it because of work, family, or the weather? Many people often find themselves feeling low for no apparent reason, but believe it or not, there is always a reason – you only need to find out what it is. Take time to reflect; stay in a quiet corner and allow yourself to think about what's really bothering you. Make a list of everything that's been troubling you for the past few days, the past year, or even your whole life. Understanding the "little details" can actually help to make you see things in perspective, and give you an idea how serious your melancholy is.


2. Accept, forgive, move on.

They say it's never easy to forgive (and forget), but the one reason it's so difficult to do is because we haven't first learned to accept that the thing happened at all. Whatever is making you unhappy is done and cannot be undone, and the only thing you can do now is to move on. However, before you can get to that stage, you must try and forgive yourself – for being weak and getting hurt; for letting another person make a fool of you; for not being able to stop something on time, when you felt you could.

Once you've learned to forgive yourself, it is only then that you can learn to forgive whoever or whatever has caused the pain. By this time, it will be easier to move on.

3. Practice empathy.

Now that you know the reason behind your blues and what to do about it, practice spreading cheer to others whom you think are in the same situation as you. Visit an orphanage; do a good deed for a total stranger; share a listening ear with a hapless neighbor. Or spare some time with the people close to you – send Christmas cards and letters to friends, or save one night where you can watch a Christmas movie with the family.

Christmas should be a happy time for everyone, so even with the blues you can still enjoy the season. All it takes is a little love and patience – especially on yourself.

Best wishes to you all for happy time with families
Trish

GoogleTop search engine Google has announced that their latest search algorithm changes are intended to favor sites with original content over sites that reproduce content produced by others, in an attempt to reduce spam sites or sites that seek to improve their rankings in order to get sales from advertising such as adsense.

As a result, many sites that consist mainly or solely on automatically generated content,  such as articles, videos or news stories already ‘out there’ will suffer much lower rankings than in the past.

Naturally, Google wants to stay as the No. 1 search engine and to keep that slot, they aim to give searchers, their customers, the best quality search results.

There is nothing more irritating than to click on a link that takes you to a site that tells you nothing about what you’re looking for. I’m sure we’ve all had that experience, so these changes are welcomed for this reason.

However, the changes may well have a big impact on those who have sites  with some reproduced content on them. If you are one of those, then a post yesterday by Gail Bottomley called Duplicate Content – No Longer Allowed can help you fix things up. There is a great deal of particulary good content there as well as the replay of her webinar on the subject. I watched the webinar live and found it particularly helpful and positive.

Any changes to reduce spam either on websites or in our inboxes are to be welcomed and anyway,  it is believed that these latest changes in Google will probably not be noticed by most viewers.

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