Today I’m sharing another eye-opening infographic from my friends at the credit reference agency Equifax.
It’s an unfortunate fact that older people with vulnerabilities can be targeted by scammers. Older people often fear being mugged or burgled – but 90% of all crimes committed against the over 65s are actually fraud.
Scammers don’t always come across as aggressive or pushy – they can often appear very polite and friendly, which is how they win people over and gain their trust. They use several methods to commit identity theft and steal money, which include:
Age UK has reported that almost 5 million people over the age of 65 believe they have been targeted by scammers. People living on their own, or suffering with dementia, are especially vulnerable.
It can take weeks to sort out the aftermath of a scam
The infographic below sets out some ways to help elderly people protect themselves against scammers – and warning signs that might suggest they’ve been targeted..
Thank you to Equifax for an eye-opening graphic. If you help look after an older person – whether it’s a friend or a family member – it’s important to keep an eye out for this and offer advice and support when appropriate. This applies especially if they live on their own.
The infographic includes some excellent advice on ways to reduce the likelihood of being scammed online. But, of course – as mentioned at the start of the article – scammers operate in other ways as well.
Gold Crown Decorative 4 inch Square Chocolate Cake with Salted Caramel & Fudge Pieces
Gold Crown Christmas Pudding 350g
Grandma Wild’s Mini Bites for Sharing Mature Cheddar 100g
Great British Crisp Company Cornish Sea Salt & Luxury Peppers Crisps 150g
Joe & Seph’s Brandy Butter Popcorn 80g
Linden Lady Decorative Chocolate Covered Marshmallows 140g
Shaws Caramelised Red Onion Chutney with Balsamic 195g
Sugar n Spice Choc Chip Cookie Bites 140g
The Secret Truffletier White Chocolate Truffles 55g
Zonin Prosecco Brut DOC Italy 75cl 11% vol
Black Wire Basket
If you need to know about any possible allergens in the contents, full information can be found via the Virginia Hayward website (click on the PDF link on the site).
Here then are all the details you need to enter, provided by my colleague Laura Light who is co-ordinating this event – big thanks to Laura!.
Good luck! It would be great if a Pounds and Sense reader wins one (or more) of the prizes 🙂
This Christmas, some of the UK Bloggers have come together to offer you the chance to win five Virginia Hayward The Magic of Christmas Hampers. Five lucky winners will win a Christmas hamper delivered before Christmas. Keep reading to find out how you can enter.
Who are the Bloggers Behind the Giveaway?
The UK Bloggers are a group of bloggers, podcasters, and influencers in the UK who are passionate about helping you to improve your life. We are a mix of lifestyle, parenting, food and money bloggers. Whether you want to make more money, find recipes, read about parenting or other lifestyle topics, we are your people. Here’s who we are:
The giveaway is open until midnight on 17th November 2019, when the five winners will be chosen.
The giveaway is open to UK residents only.
Winners will be contacted by email from laura@savings4savvymums.co.uk
Should the Christmas hampers be out of stock then a suitable replacement will be found.
How to Enter
Please note that this giveaway works differently from the otherwise similar UKMB giveaways I have featured on this blog.
You can get two entries by clicking on the links in the Rafflecopter widget below. One is to visit my Facebook page and the other is to follow Pounds and Sense blog on Twitter.
You can then get (many) more entries by clicking through the links above – or below – to my fellow UK bloggers, all of whom have their own posts about the Giveaway with their own Rafflecopter widgets.
After the closing date all entries will be put together and five winners will be chosen at random. I hope that’s all clear, but let me know if not!
To save you a bit of time finding the other posts in this giveaway, I have listed below all the bloggers who have published a 2019 Christmas Giveaway post, with a ‘deep link’ straight to the post in question. You can work your way through the list below and enter via the widget in each post. All links should open in a separate tab.
One final small point is that if a winning entry comes from following someone on social media, Laura will check before awarding the prize that the winner is still following the account in question. If they aren’t, they will be disqualified and a new winner drawn. So, please, don’t follow and immediately unfollow, as your entry won’t then count.
Good luck, and I really do hope you win a hamper!
As always, if you have any comments or questions about this post, please do leave them below.
If you enjoyed this post, please link to it on your own blog or social media:
Today I have something a bit different for you. I’ve been asking around my fellow UK bloggers for their favourite kitchen tools, apps and websites.
I was genuinely curious about this myself, but hope it will also be of interest and value for PAS readers who enjoy cooking (or possibly don’t but still have to!). And if you are looking for a gift for the cook (or cooks) in your life, hopefully you may find a few ideas here.
Where possible I have provided links to the resources in question. In some cases these are affiliate links, so if you click through and make a purchase I will receive a commission from the store concerned (Amazon). This will not affect the product or service you receive, or the price that you pay.
Note also that with kitchen tools and devices, multiple brands and versions are often available. I have tried to link to popular models, but they may or may not be the same as the one the blogger in question uses.
Okay, let’s get started then. 🙂
Blogger Recommendations
Tanya Barrow from Mummy Barrow says: ‘It isn’t cheap, but my favourite device is my Thermomix. It does the job of 12 other kitchen appliances and helps me cook healthy meals for my family without using a load of other kit or pans, and quickly. I couldn’t live without it now.’
Ruth Gray from Slimming Violet says: ‘My favourite kitchen device is definitely my Actifry. I thought for ages about whether I should buy one as they’re a bit on the pricey side, but I’m so pleased that I did. It makes it really easy to cook so many different healthy meals, though I must admit that Actifry chips have to be my favourite. With just a drizzle of oil, they’re so much better than their oven chip counterparts!’
Fiona Elizabeth Hawkes from The Somerset Foodie writes: ‘One of my favourite cooking resources is the Yummly app. It’s full of recipes and you can search by ingredient or meal type, exclude recipes with ingredients you don’t like and then save recipes you like the look of. You can even photograph ingredients and it’ll suggest dishes you could try to use them up. It’s great for times I’m struggling with ideas for dinner!’
Keiran Potter, who blogs at Keiran Crying, says, ‘My favourite device is my spiraliser. It’s such an easy and fast way to get vegetables into things like pasta and pies. But also it makes things like potato cook a lot faster because it makes it so thin. I love experimenting with it, it helps me keep meals interesting.‘
Jupiter Hadley, who blogs at JupiterHadley.com, writes: ‘My favorite cooking website is Allrecipes.com – everyone submits recipes and pictures, so all of the recipes are made previously and they have a good selection of simple recipes. When searching for something there, you can easily read the comments from people who have tried to make the dish (and they have a big community, so it’s normally a lot of comments with the best ones on the first page) sometimes these comments let you know the recipe isn’t sweet enough or it needs a different ingredient, while others tell you little twists you can make. It’s a great community and is really full of great recipes and feedback.’
Petra at Be Healthy Now says: ‘There are so many good websites that I use for cooking inspiration, and one of my favourites is The Flexitarian. I love this website so much because the recipes on there are simply amazing: really healthy, with interesting flavours and a little bit different to what you commonly find online. They are all vegetarian or vegan, so perfect for those who are looking to reduce their meat intake. Annabelle also shares food news and reviews, which all come in really useful.’
Rachelle Strauss of The Health and Wellness Grid writes: ‘My favourite kitchen gadget is my Nutribullet. It’s a reasonable price and is excellent for my morning smoothie (it works well on frozen fruit) and I also use it to grind seeds which I then sprinkle into most meals. So it saves me money on buying smoothies (and helps me reduce food waste by using up fruits that are coming up to being past their best) and I can buy a big bag of seeds which I blitz and hide in foods! I’ve needed to replace the blade once in a few years, but the motor remains strong despite daily use, so it’s excellent value for money overall. I also use it for soup, after the ingredients have cooled – again saving money on shop-bought products and using up old veggies.’
Hayley Muncey, who blogs as Miss Manypennies, writes: ‘My favourite gadget is my pancake/crepe maker (hot plate). Obviously totally unnecessary, but it means we can pop on the table and no one has to be the one standing cooking, it’s quick and the pancakes always end up the right shape! It’s easier to experiment with toppings too ‘
Kim John of Life Can Be Toff says, ‘My favourite kitchen gadget is my soup maker. It is a simple way for me to create quick and tasty soups, particularly at this time of year. The fact it is so quick (around 30 minutes total including prep) also means I can be quite adventurous and try different things. It is great for making in bulk and with little washing up!
Nick adds: ‘I have an electric soup-maker as well and get a lot of use from it, in the cold winter months especially. I wrote this blog post about it not long after I bought it.’
Melissa Williams, who blogs at The Diary of a Jewellery Lover, writes: ‘My favourite kitchen gadget is my slow cooker. I like putting all the ingredients in at the beginning of the day and having a delicious meal ready for me in the evening. It makes the meat so tender and delicious. I would definitely recommend getting one if you don’t own one. It will change your life!’
Afshan Nasim of Afshanesque writes: ‘My favourite kitchen utensil is my Hinari Genie blender. It is great for making smoothies and milkshakes. It also helps me chop my onions and puree my tomato for use with my curries. It’s like the Nutribullet, but cheaper.’
Nicole Shroff from The End of the Fork writes: ‘I love my cast iron skillet, it is what I reach for the most in my kitchen. Nicely weighted, it distributes heat evenly retaining it well, so food cooks faster and you do not need to move it around the pan as much. The more seasoned it becomes with use, the better it’s non-stick qualities. It is extremely hard-wearing and easy to care for as long as it is dried well before storing. A good cast iron skillet improves with age and will last generations!’
Jo Jackson, who blogs at Tea and Cake for the Soul, says: ‘ I have an ancient Moulinex Masterchef and love it. I can grate and slice vegetables in it, make cakes, pastry, blend and chop with it. I have a much newer all singing all dancing device but I can’t bear to part with old faithful.’
Jo Jackson also says: ‘I do like the BBC Good Food website. It has photos with clear instructions and sometimes videos. I like a lot of the features including ratings by others who’ve tried the recipe, timings, levels of skill, nutritional values etc. I especially like the print option. I’m a bit old school and if I find a recipe I like, I will print it off, laminate it and keep it in my cook book file.’
Melanie Edjourian, who blogs at Melanie’s Fab Finds, says: ‘I love my Russell Hobbs mixer. It’s great for making all sorts of cakes as well as pizza bases and bread. I also love my Lurch Spiralo Spiraliser as it helps me make all sorts of healthy recipes using veg, like courgetti carbonara.’
Cath Bambi Drews, who blogs at th3secretlifeofme, writes: ‘We have a Gourmetmaxx tower airfryer, which is a bit different to an Actifry. We are a family of six so this means we can actually cook sides or fries/wedges/home-made chips in one go. It cooks crispy chips/wedges. Amazing bacon. Little pizzas. We have even cooked a chicken in there.’
Paulina Borowik from UK Everyday says: ‘One of my favourite kitchen devices is my Morphy Richards Stand Mixer. It ensures that all ingredients are mixed perfectly and my kitchen stays clean. This mixer is very powerful and looks stylish. I would highly recommend it to anyone.’
Finally, Sally Allsop from Life Loving says: ‘I know it sounds very insignificant but my favourite kitchen gadget is my olive spoon/pickle picker. It’s perfect for getting pickled veg/olives out of the jar and draining them as you are doing it. Normal spoons make such a mess when you are dealing with pickling liquid or brine.’
Thanks again to all my UK blogging colleagues for an inspiring selection of ideas. I shall definitely be adding some of the items above to my Amazon Wish List!
Please do check out also the blogs of everyone above who contributed suggestions. They are an amazing group of talented writers and bloggers!
No bowl is provided with these scales, but because of the way they work you don’t need one. You can place any container you like on the scales and press the button to zero the display (so the scales disregard the container’s weight). You can then add your ingredient and the weight (or liquid volume if you prefer) will be shown. If you want to add further ingredients, you can zero the display again before doing so. Once you get the hang of this, it’s amazingly quick and simple. I use it all the time now, and even weighed a parcel on it recently 😀 I also like the way it hardly takes up any space at all in my kitchen when stored on its side.
As always, if you have any comments or queries about this article, please do post them below. And if you have any other favourite kitchen device, website or app, please do share it in the comments!
If you enjoyed this post, please link to it on your own blog or social media:
I was recently invited by a company called Make a Will Online to review their solicitor-checked online will writing service.
I have written before on Pounds and Sense about the importance of making a will, and the dangers (of which I have first-hand experience) of not doing it properly. In particular, I am very dubious about using ‘DIY wills’ and non-legally-trained will-writers, as I know all too well the problems that can occur when mistakes are made.
Make a Will Online (MAWO) offers solicitor-checked wills starting from just £29.95 for a single will or £39.50 for a pair. This is substantially cheaper than most similar services, e.g. FareWill charge £90 for a single will and £140 for a pair. MAWO also have mostly five-star reviews on TrustPilot. I was therefore keen to find out more about the service they offer.
How It Works
Creating a will with Make a Will Online involves a three-step process as follows…
1. Complete an Online Questionnaire
At the start of this you are asked to provide your address and contact details. These are used for the production of the will, to allow you to log in if you don’t complete your will in a single session, and to send you the completed document (via email).
You then answer a series of questions about whom you want to manage your estate (your executors, in other words), whom you would like to look after your children (if you have any), whom you would like to inherit your possessions, any special gifts or bequests you want to make, and any conditions you wish to attach to your will. You can also specify whether you prefer to be buried or cremated, and any special instructions you may have about the funeral.
2. Review, Confirm and Pay
At the end of the online questionnaire you are shown a summary of the information you have entered and can go back and make any amendments you wish. You then make a secure payment of £29.50 for a single will or £39.50 for a pair of wills. You can pay by credit/debit card or via your PayPal account if you have one.
3. Receive Your Will, Sign and Witness
Once you have made your secure payment, the will document is emailed to you, along with detailed instructions for making the will legal and a receipt for payment. Shortly afterwards, a solicitor will check the document to make sure that everything is in order. If anything is unclear, a member of the MAWO team will contact you by email.
The main thing you have to do to make the will legal is (of course) get it signed and witnessed. This has to be done by two adults who are not beneficiaries in the will. Full instructions for doing this are included in the email you receive once you have completed your payment.
You can choose to receive a printed version by post for £15.00 for a single will or £20 for a pair (though see below for a £5 discount voucher). Alternatively you can simply print out the emailed version of the will, staple the pages together as per the instructions provided, and have it signed and witnessed as above. Either way, you will then have a legal will which needs to be kept somewhere safe and secure until such time as it has to be referred to. Again, information about all this is included in the email you receive.
When you have finished making your will online, you can log in and make free changes to the document for 28 days. After that you can sign up for an optional lifetime updates service, which allows you to update your will at any time. This is free for the first year and then £10 per will per year (so in the case of a couple it would cost £20 a year).
My Experience
I created what was basically a duplicate of my existing will in order to try out the MAWO system.
I found the step-by-step process for completing the online questionnaire generally quick and intuitive. There are six main pages: Your Details, Executors, Guardians, Residuaries, Specific Gifts, and Funeral.
The Guardians section (see picture below) is only relevant if you have children; it allows you to specify whom you would like to look after them following your death.
Residuaries is where you name the people who are to receive the balance of your estate once any specific gifts (including donations to charity) have been disbursed. By default this is divided equally among the beneficiaries, but you can specify different proportions if you want.
The Funeral section is where you state whether you want to be buried or cremated, and any instructions surrounding the arrangements. You don’t have to complete this section if you don’t want to, though personally I think it’s wise to say whether you prefer to be buried or cremated at least, so your next of kin don’t have to agonize over this.
One thing I liked about all the pages is that there are ‘More Info’ buttons you can click on for more detail about the topic in question if you need it.
It’s also worth mentioning that different boxes open according to the selections you make. If you click on ‘Yes’ on the Guardians page (above), for example, new boxes will open allowing you to enter details of the person or persons concerned.
Finally, you are taken to a page where you can review what you have put, alter this if necessary, and proceed to payment. As already mentioned you can pay with a credit or debit card or via PayPal.
Once I had paid I received an email almost immediately with my will attached and a page of instructions for making it legal. About two hours later I received an email confirming that a solicitor had checked my will and not found any issues with it. Had I so wished, I could then have printed out the will document, stapled it together, and got it signed and witnessed. It would then have been fully legal.
Final Thoughts
Overall, I was impressed with the speed and simplicity of Make a Will Online. If you have a fairly straightforward will (as most people do) I see no reason not to recommend it. Of course, if your personal circumstances are complicated, or you have a substantial estate which may incur death duties, there is no substitute for seeing a solicitor face to face. This will inevitably cost quite a bit more, however.
One small reservation is that it’s still up to you to arrange to have your will signed and witnessed to make it legal. Full instructions are provided for doing this, and it’s not exactly rocket science. It is up to you, though, to ensure that you follow the rules correctly – no-one else will check this for you.
As always, if you have any comments or questions about this post or Make a Will Online, please feel free to post them below as usual. If I can’t answer a query myself, I will ask my contacts at MAWO for their response.
Special Offer – As an affiliate for Make a Will Online I can offer a discount code to anyone signing up via this blog post. Just enter the code MAWO5 at the checkout to get £5 off the price of a printed will. That’s a letter O in the code, not a number zero, by the way!
Disclosure: Make A Will Online kindly gave me the opportunity to try out their service free of charge. In addition, this post includes affiliate links. If you click through and make a purchase, I may receive a commission for introducing you. This will not affect the price you pay or the service you receive.
If you enjoyed this post, please link to it on your own blog or social media:
Today I am sharing an infographic from the credit reference agency Equifax.
If you have ever seen a job ad which seemed too good to be true, you might have missed the opportunity of a lifetime – or (far more likely) you could have narrowly avoided becoming a money mule.
Money mules are often ordinary people who unwittingly assist criminals by helping them launder money. People who work as money mules are often taken in by job ads offering them the chance to work from home as ‘payment officers’ or ‘finance assistants’, earning large sums of money per week. But what they don’t realise is the cash they are earning is a commission on the money (generally the proceeds of crime) they are transferring.
The infographic reveals how to spot a fake job offer, what’s going on behind the scenes when you work as a money mule, and what will happen to you if – or more likely when – you get caught.
Thank you to Equifax for an eye-opening graphic. Of course, I appreciate that most readers of this blog will believe they are too money-savvy to fall for these scams. Nonetheless, when you (and perhaps your family) are in financial hardship, ads that appear to offer an easy route out can be very enticing.
Also, if you know any older (or younger) people who may be susceptible to such scams, it’s important to look out for them and offer advice and support when appropriate.
As Pounds and Sense is aimed primarily at middle-aged and older people, it’s also worth noting that the 2019 Cifas Fraudscape report found that the largest rise (35%) in money mules was among people aged between 41 and 60.
In summary, the old mantra still applies: if it sounds too good to be true, it almost certainly is. There are genuine ways to make a sideline income, and of course I cover them regularly in Pounds and Sense. Get-rich-quick schemes seldom if ever work, however, and can rapidly plunge you into a world of trouble.
As always, if you have any comments or questions about this post (or the infographic), please do leave them below.
If you enjoyed this post, please link to it on your own blog or social media:
Today I’m bringing you an infographic created by I Will, a firm of solicitors who specialize in will writing.
I thought this summed up neatly the importance of keeping your will up to date as your life circumstances change, so I wanted to share it with readers of this blog. It’s quite a long graphic, so please take a little time to scroll down it, and I’ll see you at the other end!
Thanks again to I Will Solicitors (not an affiliate link) for permission to use their graphic. There are some valuable tips in it, not least the advice to review your will every five years or sooner in the event there are major changes in your life.
As I have said before in Pounds and Sense, I highly recommend using a properly qualified solicitor when writing or updating your will. I have had a couple of experiences when failing to do this has caused problems..
One concerned the will of my late partner. We had created mirror wills some years before, using a well-known postal will-writing service. At their suggestion we named the will-writing company as joint executors, as their representative said this meant they would be able to step in and help if required. Sadly my partner passed away and I then discovered that having the company as a named executor meant I couldn’t have the local solicitor I wanted handle the estate on my behalf. It took several months (and a lot of hassle I could really have done without) to get them to renounce their interest in the will so that my preferred legal firm could take over.
Another instance concerned a family member who passed away a couple of years ago. I don’t want to go into detail about this, for obvious reasons, but he had used a family friend who ran a will-writing service to create his will. The will was poorly drafted and did not make clear exactly how the estate should be divided up. It didn’t help either that there were multiple updates of the will, some of which were of doubtful validity. The result was a bitter dispute between two of the main beneficiaries, which ended with an outcome that was probably far from what he had intended.
So my top tips with wills would be (a) make sure you have one, (b) have it drawn up by a qualified solicitor, (c) give careful thought to whom you name as executor, and (d) review it regularly and update if needed. For other advice, please refer to the infographic above!
Just a reminder also that, as mentioned in my last post, October is Free Wills Month in England, Wales and Northern Ireland. Under this scheme you may be able to have your will drawn up or updated free of charge with participating solicitors. Please see my blog post for more information about this.
If you have any comments or questions, as ever, please do post them below.
If you enjoyed this post, please link to it on your own blog or social media:
I recently enjoyed a three-night break in the North Wales coastal resort of Llandudno.
I have been to Llandudno a few times. I started going about 10 years ago when my partner, Jayne, was still alive. She fancied the idea of staying in a traditional British seaside resort. Llandudno certainly ticks all the boxes there, with its sweeping promenade, long pier, and Punch and Judy show by the beach 🙂
I have stayed in various hotels and B&Bs in Llandudno, but on this occasion I returned to The Merrion Hotel (pictured below), a place I have stayed twice before.
The Merrion is located overlooking the popular North Shore Beach, just a two-minute walk from the pier. It’s also convenient for the town centre and many of the local tourist attractions. I was happy to be able to park my car there for the duration of the holiday and go everywhere on foot (or the open-top tourist bus – see below).
I have embedded a map of the area below (courtesy of Google maps
The Hotel
The Merrion is a traditional seaside hotel. It is family owned and run, and I have always found the service there friendly and helpful. On this occasion I was allocated a third-floor room with a lovely view across the beach and sea. Thankfully the hotel has lifts, incidentally.
My room wasn’t huge, but quite large enough for a short stay. There was a good-sized bathroom (with bath and shower attachment) and a flat-screen TV. I was staying on a bed and breakfast basis, so there were tea-making facilities but nothing else.
The Merrion has a restaurant downstairs where breakfast is served. This is mainly buffet-style, though tea or coffee and toast (if you want it) are brought to your table. As well as fruit and/or cereal, you can have a cooked breakfast including eggs (fried, poached or scrambled), bacon, sausages, mushrooms, hash browns, black pudding, baked beans, grilled tomatoes, and so on. Smoked kippers are also available on request.
You also have have the option of eating in the restaurant in the evening if you wish (in fact I did for all three nights). The menu changes each day and you pay a set fee for one, two or three courses (plus coffee).
I thought the food generally was excellent, and there was a good range of choice, including meat, fish and vegetarian/vegan options. The service was also excellent from the team of young waiters and waitresses, many of whom were from eastern Europe..
There is a bar and ballroom at the back of the hotel. Live entertainment is on offer here most evenings. This is generally provided by a solo singer, and clearly targeted at the Merrion’s core audience of seniors. It wasn’t really my cup of tea, but maybe it will be in another ten or twenty years’ time 😀
The Merrion has free wifi, which worked perfectly during my stay (not always the case in my experience).
I should also mention that the hotel is well prepared for visitors with disabilities. All public areas are wheelchair accessible, and mobility scooters and other aids can be hired via reception.
The location is obviously not the quietest. If you want that, you are probably better off at a hotel such as The Clontarf (where I’ve also stayed) on the quieter West Beach. Personally, though, I enjoyed listening to the buzz of visitors and the sound of the Punch and Judy drifting over. It all goes pretty quiet at night, and I didn’t have any problem sleeping.
Financials
As Pounds and Sense is primarily a money blog, I should say a few words about this.
I paid £450 for my three-night stay (including breakfasts) at The Merrion, which I thought was reasonable bearing in mind the location and facilities on offer. I didn’t have to pay a deposit and paid the entire fee on arrival. You can cancel up to two days before and not owe anything.
As regards evening meals, The Merrion charge a fixed fee of £27 for three courses, or you can pay lower prices for two courses or a single course (all including coffee and a mint as well). It’s obviously good to have this flexibility, even though I must confess to having three courses every night!
You can check current prices and availability on the Booking.com website. You can book this way (which I did) or directly with the hotel. The latter method may or may not work out cheaper.
Things to Do
I shan’t give you a blow-by-blow account of what I did while I was there. However, I will highlight a few of my favourite attractions in and around Llandudno.
The Pier
Llandudno Pier is the longest pier in Wales at 700 metres, and the fifth longest in England and Wales. It is free to visit and has all the usual seaside attractions, many of which are aimed more at younger visitors. It is pleasant to walk along, though, with wonderful views of the Llandudno seafront (see cover photo). At the end of the pier you can get a drink and a snack at any of several bars and cafes.
Cable Car
The Llandudno Cable Car runs from Happy Valley, an attractive public park overlooking the pier, to the top of the Great Orme. It is the longest passenger cable car system in Britain. The distance to the summit is just over a mile and the whole journey takes about nine minutes. There are stunning views along the way, including both of Llandudno’s beaches, the Great Orme and the Little Orme, the town of Llandudno, and further away the mountains of Snowdonia and the island of Anglesey.
On the day I went the wind was starting to get up and sandbags were put in the cars to stop them swaying too much. Later in the afternoon the ride was stopped. If you hope to go on the Cable Car, be aware that this may happen – and if you get a calm day, take advantage of it!
Great Orme Tramway
The Great Orme Tramway offers an alternative method to the Cable Car for getting to the top of the Great Orme (and one that is less susceptible to the weather). It is is Britain’s only cable-hauled public road tramway and opened in July 1902. You have to change trams at the Halfway Station and continue your journey to the summit. You will be travelling in the original Victorian tramcars, which have been lovingly restored over the years.
At the top of the Orme you can visit the Summit Complex, which has a variety of shops, bars and cafes. It’s a bit too commercialized for my taste, and I prefer the Visitor Centre (behind the Tramway station) which has displays about the natural history of the Great Orme and a small gift shop. There are also, of course, amazing views from the summit in all directions.
Great Orme Mines
The Great Orme Mines are said to be the oldest metal mines open to the public in the world. Excavations are ongoing, but visitors can explore several levels of the 3,500-year-old tunnels. The shop offers a selection of interesting and attractive rocks, minerals and fossils.
The Mines are about half-way up the Great Orme. One (relatively effortless) way of getting there is to go up on the Tramway and break your journey at the Halfway Station. It is just a short, signposted walk to the Mines from here.
Boat-Trips on the Sea-Jay
The Sea-Jay (pictured below) offers trips from Llandudno’s south beach. They have short (25-minute) trips around the Great Orme throughout the day, and longer (one-hour) trips that take in both the Great Orme and the Little Orme. I highly recommend the longer trip, which took place at 11 am every day during my visit. It’s not massively expensive (£8 when I went) and you may be lucky (as I was) and see grey seals at the foot of the Little Orme.
If you enjoy boat trips, there are also various others from Conwy (see below).
Conwy
The medieval walled town of Conwy is just a few miles down the road from Llandudno and well worth a visit while you are there.
One option (which I took this time) is to buy a one-day ticket on the open-top tourist bus which runs between Llandudno and Conwy, starting by the pier. This ‘hop on, hop off’ bus is a great way of getting your bearings if you are new to the area, and you get the benefit of an interesting running commentary as well. There is also a discount for over 60s!
The biggest and best-known attraction in the town is Conwy Castle, and I went there myself on this occasion. It is remarkably well preserved, and if you go up the spiral staircases to the tops of the towers (you need to be reasonably fit for this), you can enjoy some amazing views of the town and estuary (see photo below).
Two other places I recommend visiting in Conwy if you are interested in history are Plas Mawr, a large Elizabethan town house owned by CADW, and Aberconwy House, a somewhat smaller 14th century merchant’s house owned by the National Trust.
Final Thoughts
As you may gather, I enjoyed my short break in Llandudno staying at The Merrion Hotel, and am happy to recommend both the town and the hotel for a short break. Llandudno is a traditional British seaside resort, and none the worse for that. It’s a good place to chill out, but there are lots of interesting things to see and do as well. And it is very well set up for older visitors, as evidenced by the large number who go there!
As always, if you have any comments or questions about this post, please do leave them below.
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Today I am reviewing a book (and Kindle e-book) called SuperLucky Secrets. It’s by my fellow UK blogger Di Coke, also known as SuperLucky Di.
SuperLucky Secrets is a guide to ‘comping’ – in other words, entering consumer competitions in the hope of winning cash and prizes.
Di is a highly successful comper, having won over £300,000 worth of prizes, including a Volkswagen Beetle, £7,500 cash and an all-expenses-paid trip to Brazil. She also regularly talks about comping on TV and radio, including BBC Breakfast, ITV Weekend and The Morning Show.
I am grateful to Di for offering me a review copy of the brand new (2019) edition of SuperLucky Secrets.
The book’s sub-title is 100 Tips for Winning Competitions, Contests and Sweepstakes. I must admit I was slightly concerned that it would be a book of 100 comping tips in more or less random order. Thankfully that isn’t the case, though. This is a well-organized and comprehensive guide to the art (or science) of comping.
The printed copy of SuperLucky Secrets that I received has 195 pages, plus some pages (e.g. the index at the back) that aren’t numbered. The book is organized in nine main chapters, as follows:.
The Basics
Get Organized
Tips for Finding Competitions
Tips for Entering Competitions
Tips for Winning Competitions
Tools of the Trade
Finding Your Wins
Tips for Staying Motivated
Don’t Even Think About It! [Mistakes to avoid, in other words]
There is also a glossary, a list of useful resources, and an alphabetical index.
I thought SuperLucky Secrets was very well written and edited (or self-edited). As a semi-retired professional writer and editor myself, things like typos and spelling or grammatical mistakes tend to leap out at me. I didn’t notice any in this book, so much respect to Di for that. In my experience it’s rare to read a self-published book that is written and produced to such a high standard. As my eyes aren’t what they once were, I was pleased to see a clear, sensible-sized typeface used as well!
Within each chapter there are a number of sections, each corresponding to one of the 100 tips referred to in the sub-title. In the chapter titled The Basics, for example, there are sections headed Get Online, Write a Wish List, Put in the Effort, Be Super Social, Always Read the Rules, and Believe You’ll Win.
The book takes you through everything you need to know to get started in a hobby that is enjoyable and intellectually stimulating, and that can generate a steady stream of cash and prizes as well.
Di doesn’t, however, pretend that all of this will just fall into your hands. You will need to be well organized and patient (especially at first), as you will be facing plenty of competition from other compers, and it also takes time for contests to be judged and winners notified.
As Di says in her Introduction, ‘Be patient. Some people think they can start comping on Monday and have prizes arriving by Friday!’ And she adds, ‘A brand new comper will take a while to get into the swing of things, but don’t give up if you’re not winning.’
As someone who used to enter competitions years ago, I thought there might be more emphasis on slogan contests, but Di says these have largely gone out of fashion among promoters now. There are still a few and Di highly recommends entering them, as this is one type of competition where you really can use skill to improve your chances of success. She shares some good tips on creating slogans, including some clever (and amusing) winning slogans of her own.
Di also recommends seeking out less well publicized competitions and ones where you have to buy some sort of qualifier, as this will greatly reduce the number of entries yours will have to compete against. And she sets out a range of online tools and resources (mostly free) that can help you find and enter more competitions and boost your chances of winning them.
Overall, if comping is a pastime that appeals to you and you would like to learn more, I highly recommend SuperLucky Secrets, especially in this brand new 2019 edition.
You might also like to check out Di’s blog at https://superlucky.me. You can sign up for her free email newsletter for compers via her blog.
As always, if you have any questions or comments about SuperLucky Secrets, please do post them below.
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Today I have a guest post for you by a fellow money blogger who goes by the name of The Reverend.
I’ve wanted to publish a post about video gaming for older people for a while but faced the obstacle of knowing very little about it (my experience of video games doesn’t go much beyond Space Invaders). Still, I know a growing number of older people are interested in this subject, and there are undoubted benefits, not least in terms of sharpening (or preserving) your wits and reflexes.
Anyway, that explains why I was delighted when The Reverend – a London-based video gaming enthusiast (and talented writer and blogger) – volunteered to write an introduction to the subject for Pounds and Sense. Without further ado, here it is…
I turn 40 this year and am not sure if I’m classed as an ‘older’ gamer or not, but one thing is sure, I can see myself gaming forever, regardless of whether I’m ‘too old’ or not. Its important that you do the things you want to, whether it is writing a book, going to the cinema or even playing video games.
The World of Video Game Consoles
When you think of Video Games, what companies do you think of? The gamers of today will be playing on a Switch, or a Samsung, maybe a Steambox. When I grew up there was Atari, Spectrum or Commodore. This then moved onto NES and Master Systems before going to SuperNES and Megadrive. Everyone remembers Sega and Sonic the Hedgehog. Sega no longer make games consoles, but Nintendo have had recent successes with the DS (in various versions) and the more recent Switch.
One thing you might be surprised by is that many people nowadays are also playing video games on mobile phones and tablets.
Games for Older Gamers
I’d like to start by saying that games are for everyone – your age doesn’t stop you from enjoying the latest titles. We are also at a point where the block-buster video games are making more money than the block-buster movies! It is worth thinking about what you’d like from a game.
Gaming Hardware
To play games you have a few options, but the main choices are:
Most people do have a mobile phone, so this is a good way to start gaming. The Apple App Store and Google Play Store have hundreds of ‘free’ games you can download and try out. It’s a good way to judge whether you’d like a particular type of game – and if the game isn’t for you, you can delete the app and you’ve spent no money.
If you are looking to get a games console it’s best to go to a shop and try one out. Although the controllers all look fairly similar, you might find that the grip to ‘hold’ the controller isn’t comfortable or (for example) you aren’t able to see the smaller screens of the Nintendo 2DS. Most game stores will be happy to talk through the options with you, let you try things out, and maybe even suggest some games based on your interests. These people know their games inside out, so do ask for help!
A gaming home computer can set you back thousands if you want to play the latest games in the highest image quality. If you already have a home computer then a chat with your local game store will help identify which game you’ll be able to play without having to spend any more money.
Gaming Options
What do you like to do to relax? Do you enjoy reading books, watching movies, or sitting down with the Sudoku page of the newspaper? No matter what you enjoy doing, there is a game to suit you.
Love A Good Story?
If you enjoy in-depth story-lines in books, TV or film, then you may enjoy an RPG (or Role-Playing Game). Like books, there are plenty of genres for RPG games. I enjoy the Post-Nuclear-Alternative-Timeline story of the Fallout series of games. These are set in a future where technology didn’t move to the microprocessor and stayed with transistor valves. Imagine 1950s Americana with lasers! Death, destruction, cannibalism, nuclear bombs and drugs – not something you’ll be able to share with younger family members! The Fallout series of games are available on the PlayStation 4, Xbox One, and the PC.
At the other end of the spectrum there is Cat Quest. Of course, not every game has to be about lasers and robots. Imagine a medieval adventure game but feline themed! It is also a PEGI 3 rated game and this means it is suitable for all ages – no swearing or nudity in your cat-adventure – so you can play along with nieces/nephews or grandchildren. Cat Quest is available on the PlayStation 4 and the Nintendo Switch.
The premise is that you collect Pokémon. You do this by exploring the real world and when you are notified a Pokémon is in the area, you throw a Poké-ball at it to try to catch it. To make the game more interesting you have Points-Of-Interest called ‘Poké-Stops’ and ‘Poké-Gym’. The Poké-Stops help you lure special Pokémon for you to catch, and the Poké-Gym allow you to battle other players to take control of the ‘Gym’.
Part of the success of Pokémon Go is that it is a ‘Freemium’ game available on both iOS and Android, so most smart mobile phones will be able to play it. The fact it is Freemium means that the game is free to download; however, there are In-App Purchases (IAPs) that will allow you to progress faster.
LIKE Life Simulations?
The big name in this genre is The Sims. This is a game where you control a person and all aspects of their life. Imagine the board-game The Game of Life but with interactive graphics and almost infinite possibilities. You can choose the life you want, build the house you want, get the job you want, have children, get married, cook dinner and live out all sorts of dreams that perhaps you didn’t manage in your real life! The Sims is available on PlayStation 4, Xbox One, and PC. There is a basic version also available for the Nintendo DS.
If you want to try running a hospital then there is Two Point Hospital for the PC (pictured above), with console versions appearing in time for Christmas. Maybe you want to become your own dictator – Tropico 5 is on the PlayStation 4 and XBox. Has your life-long dream been to drive a big rig? Then check out Truck Driver, also for the Xbox and PlayStation 4. You can even be a goat in the obviously named Goat Simulator!
There are a number of farming-simulations which don’t focus on the farming and do have a story-line. Available for the PlayStation 4, Xbox and Switch is Stardew Valley. You can also get this on the various App Stores as well as for the PC. There are quests in the game and these are designed to help you get more money so you can develop your farm. [Nick writes: My teenage nephews are keen Stardew Valley players – my brother-in-law once told me he wished they were half as keen on helping with the real garden as opposed to tending their virtual ones!].
ENJOY Building?
The classic building game is Minecraft. It’s available across pretty much any platform or device you can imagine. There is a ‘story mode’ for Minecraft but it also gives you a complete open-world building experience for you to create anything you want. The graphics may remind you of a much earlier generation of gaming, but don’t be fooled – this is a serious game that has a massive number of followers.
If you enjoy solving the Sudoku in the paper every day, did you know you can play these for free on your mobile phone? Go to your App Store and search for ‘Free Sudoku’. There are plenty of versions out there for you to choose from. Just make sure you don’t need to share your camera/photos/contact list/etc with the app – they don’t need this data.
Another well-known series of brain training games is from Dr Kawashima. These games are designed to challenge your brain and keep you thinking. They are only available for the Nintendo 3DS, but the series has been running for over 10 years.
Recommendations
Think about what you want from your gaming. If you want to play with family members then get whatever console they have. There is no point having a PlayStation if the people you want to play with have xBoxes.
If you want to just play something quickly while you have a spare five minutes then check out the free games on the app stores for your mobile phone – there are plenty of games like Candy Crush which you can start/stop with no impact to the game-play. If you want to do some more serious gaming on the move then the Nintendo Switch has a large portable display AND can connect to your TV at home.
Remember you don’t have to buy your games machine brand new. The current RRP of the Nintendo Switch is £279.99; however, you can find it much cheaper if you are willing to buy second hand. You could buy from eBay or Facebook selling groups. Another option is to buy it 2nd hand from CEX, where you will get 12 months’ warranty but you will probably pay more than the eBay price.
I have a PlayStation 4 and an iPhone. The iPhone covers my ‘casual’ gaming when I have a spare 5-10 minutes while I’m out and about. On my phone I have Tetris, Countdown, Scrabble, and Candy Crush. My PlayStation has first-person shooters like Call of Duty, RPGs from the Fallout Series, historical stealth exploration from the Assassin’s Creed series, and various games I can play with my nieces and nephews. They enjoy playing Lego Avengers with me, but I must say I’m much better than they are! (well, that’s what they tell me, but they might just be saving my feelings!)
Final Thoughts
Gaming is for everyone. Whatever you are interested in, there will be a video game for you. Don’t be ashamed if you want to go on a Cat Quest, or you are interested in running your own farm. You might even want to build in the Minecraft world and see where your creativity takes you.
If you have friends/family who play video games then ask them for advice. Most gamers are happy to talk games, explain what they are playing and make suggestions of what you may want to play. It doesn’t have to be only Fortnite and flossing!
Many video games have online/social components and this means you should be careful with any personal information and not give away too much. Treat these networks/messages/etc the same you would with any other online activity. Microsoft has some good advice that is worth following. Stay safe, as you would with any online activity.
Video games can help keep you active, keep your brain engaged, make new friends and keep you connected with your family, especially the younger generation. With all this available to you, why wouldn’t you want to get into gaming?
Many thanks to The Reverend for an eye-opening article. If you’ve been considering trying video gaming – or even if you haven’t – I hope this article might inspire you to get started.
As The Reverend says, gaming can be great for keeping mentally and physically sharp, and engaging with friends and family. You could start with games on your mobile or your computer, and maybe move on to consoles if you really get the bug.
As for me, I’ve decided to make a start in video gaming and have downloaded a couple of games to my smartphone. I’m already looking forward to planting, tending and expanding my first farm 🙂
Do check out The Reverend’s excellent blog at https://thereverend.co.uk. As well as some great posts about saving money and making money, there are enjoyable and informative posts about travel, food and entertainment as well.
As always, if you have any comments or questions about this article, for me or The Reverend, please do post them below. And if you are an older video gamer yourself, I’d love to hear any advice, tips or recommendations you may have!
Disclosure: This post includes Amazon affiliate links. If you click through and make a purchase, I will receive a modest commission. This will not affect the price you pay or the product/service you receive.
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Today I have another great giveaway to share with you.
I’ve joined forces with some of my fellow UK Money Bloggers to put together a giveaway of FIVE Marks & Spencer ‘Afternoon Tea with Flowers’ Hampers.
These hampers sell for £50 apiece on the M&S website. The full contents are as follows:
Pure origin Assam teabags (125g/50 bags)
British raspberry soft set jam (113g)
British strawberry soft set jam (113g)
All butter shortbread fingers (28g/pack of 2) x 3
Cherry and sultana bar cake (520g)
Swiss chocolate extra smooth milk chocolate truffles (62g/pack of 5)
19 x Mixed pink roses
Two Reusable gift boxes
In the event of supply difficulties, or with discontinued products, M&S say they reserve the right to offer alternative goods or packaging of equal quality and value. If you need to know about any possible allergens in the contents, full information can be found on the M&S website.
Here then are all the details you need to enter, provided by my colleague Emma Drew (who is co-ordinating this event). Good luck! It would be great if a Pounds and Sense reader wins one (or more) of the prizes 🙂
This summer, some of the UK Money Bloggers have come together to offer you the chance to win one of six great prizes from Marks and Spencer. We have five hampers worth £50 each plus one £20 gift bag to give away. Keep reading to find out how you can enter.
Who are the bloggers behind this giveaway?
The UK Money Bloggers are a group of bloggers, podcasters, and influencers in the UK who are passionate about helping you to improve your finances. Whether you want to make more money, spend less, understand investing or pay off debts, we all contribute something unique to the community. Here’s who we are:
You can win one of five M&S ‘Afternoon Tea with Flowers’ hampers worth £50 each, or the runner-up prize of a £20 M&S ‘You’re the Bees Knees’ gift bag.
The rules
The giveaway is open until midnight on 31st August 2019, when the winners will be chosen.
The giveaway is open to UK residents only.
Winners will be contacted by email from hello@emmadrew.info
How to enter
You can enter by completing as many of the Rafflecopter widget entry options below as you would like. You can also enter daily by tweeting from the Rafflecopter widget.
One small point is that if a winning entry comes from following someone on social media, Emma will check before awarding the prize that the winner is still following the account in question. If they aren’t, they will be disqualified and a new winner drawn. So, please, don’t follow and immediately unfollow, as your entry won’t then count.
Once again, good luck, and I really do hope you win a hamper!
