I do hope 2018 is a good year for you, and the year you achieve (or at least start to achieve) some of your financial and other ambitions.
Thank you also for visiting my blog. If you haven’t already, I do hope you will sign up to receive notifications when it is updated using the box in the right-hand column.
Pounds and Sense is also on the popular Bloglovin platform. If you are a member of this free service you can get all my latest posts delivered to you with your updates (and updates on any other blogs you follow as well, of course). Just click through this link to sign up.
There is also a daily Paper.li newsletter for Pounds and Sense. This is semi-automated and curates links from a wide range of personal-finance blogs and other resources. I guarantee you will find something of interest in every issue!
Finally, if your interests also extend to writing, you might also like to check out my Entrepreneur Writer blog. I regularly share tips, advice and market information for writers and aspiring writers here. It would be great to see you there as well 🙂
Once again, I wish you a happy, healthy and prosperous new year.
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As is customary for bloggers at this time of year, here are the top posts on Pounds and Sense in 2017, based on comments, page-views and social media shares. They are in no particular order. Obviously, I have excluded any posts that are no longer relevant.
I hope you will enjoy revisiting these posts, or seeing them for the first time if you are new to PAS. Don’t forget, you can always subscribe using the box on the right to be notified of new posts as soon as they appear.
A quick mention too for my other blog Entrepreneur Writer. If you are interested in writing I hope you will check this out if you haven’t already. I look forward to publishing plenty more posts on both blogs in 2018.
If you have any comments or questions, of course, please do feel free to leave them below.
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Just wanted to take this opportunity to wish all my readers a happy and peaceful Christmas, and a fulfilling and prosperous new year.
Pounds and Sense was launched in December 2016, so it has been going for a year now. Thank you to everyone who has visited the blog during this time, and especially to all those people who have commented on my posts and/or signed up to be notified of new ones. You can do that by entering your name and email address in the ‘Subscribe’ box on the right (hint, hint!).
I hope you have found at least some of my posts of value, and they have helped you to save money and make money in these financially uncertain times. If you have any comments or suggestions for topics I ought to cover in the coming months, please do leave a comment below or contact me directly. The same applies if you would like to guest post on the blog or work with me on sponsored posts or promotions.
I’ll be back with more advice, tips and information soon, but for now I hope you have a wonderful festive season. I’ll leave you with this charming ‘Christmas Eve’ video featuring the Trans-Siberian Orchestra. Enjoy!
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Today I wanted to tell you about a smartphone app called DreamLab. You can download this free to your smartphone or tablet, to add its computing power to a massive cancer research project. Versions are available for both Android and Apple iOS.
DreamLab was developed by Vodafone Australia and the Garvan Insitute of Medical Research. While your smartphone is charging (typically overnight; hence the name), the app automatically downloads genetic sequencing profiles provided by the Garvan Institute. This information is then processed using your smartphone’s CPU and sent back to the Institute to be used in cancer research.
There are currently two projects you can support. The first one, Project Decode, aims to decode breast, ovarian, prostate and pancreatic cancers. The second, which launched recently, is Project Genetic Profile. This aims to decode brain, lung, melanoma and sarcoma cancers.
As well as the project you wish to support, you can select how much mobile data (if any) the app uses every month. Personally I only use DreamLab with my wifi, so I have the monthly data allowance set to zero. You might, though, like to know that if VodaFone is your service provider, any data used for DreamLab processing is free of charge.
The app keeps track of how many hours of computing time you have donated to the project and the number of sequencing problems your device has solved. You can also see what proportion of the overall project has been completed. In the case of Project Decode – which I am supporting – the figure is currently 69 percent. So while the project is well past the half-way mark, there is still a fair way to go.
DreamLab is a distributed computing project, which relies on volunteers donating spare processing capacity on their computers and mobile devices to a specific cause. One of the best-known such projects is SETI (Search for Extra-Terrestrial Intelligence), which uses this method to search for extra-terrestrial life by analyzing radio waves emanating from space. You can read more about this and other distributed computing projects (including DreamLab) on this Wikipedia page.
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 very well the importance of making a will and having it done properly, 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 use a properly qualified solicitor. In the last few years I have had a couple of experiences when failing to do this has caused problems..
One actually 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 earlier this year. 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. 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, and (c) give careful thought to whom you name as executor. For other advice, please refer to the infographic above!
If you have any comments or questions, as ever, please do post them below.
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According to a recent story in The Telegraph, Britain is in the middle of a laziness epidemic. This applies especially to over-40s, with four in ten failing to manage even one 10 minute brisk walk a month.
The effect of all this inactivity can be devastating. It is estimated that physical inactivity directly contributes to one in six deaths in the UK. On the other hand, Public Health England (PHE) say that one brisk walk a day is enough to cut the risk of early death by as much as 15 per cent. It can also prevent or delay the onset of disability, and further reduce the risk of serious health conditions, such as type 2 diabetes, heart disease, dementia and some cancers.
To encourage middle-aged and older people to get more active, PHE has launched a free smartphone app called Active 10. As the name suggests, this aims to encourage adults to do at least 10 minutes’ brisk walk every day.
The app is available for both Apple and Android phones, and is quick and easy to install. Using sensors in your phone, the app measures when you’ve reached a target speed (about 3 miles an hour) and when you keep that going for 10 minutes.
The app allows for the fact that you might have to stop at traffic lights or for some other reason, so you can slow down for up to 2 minutes of any 10 minute period and this will still count as an Active 10.
You can set your own targets, maybe starting with just one Active 10 a day and going up to two or more as you build your fitness. You can also do longer walks – Active 20, say – for even greater health benefits.
Active 10 is aimed at those in the 40 to 60 age group, but in my view many people over 60 could benefit equally (or even more) by using it. I like the fact that 10 minutes a day isn’t too daunting to start off with, even for couch potatoes like me, but can still bring you considerable health benefits.
I am already enjoying using the app and there is a surprising amount of satisfaction in achieving your daily goals and seeing them recorded on the app.
In this post a few weeks ago I revealed that Pounds and Sense had been nominated in the ‘Best Money Making Blog’ category of the 2017 SHOMO awards.
The SHOMO awards (it stands for Show Me the Money Bloggers) are given out every year to UK-based independent money bloggers. The main sponsor is the cashback site Quidco.
There are various categories, from Best Frugal Food Blog to Best Personal Finance Blog. Pounds and Sense has been nominated in the Best Money Making Blog category.
Pounds & Sense is also eligible for the People’s Choice Award, which any blog reader can vote for. If you enjoy reading Pounds and Sense, therefore, I warmly invite you to vote for it for this award.
Voting is open from now until the end of August 2017. All you have to do is visit this page of the UK Money Bloggers website and vote for Pounds and Sense from the drop-down list of blogs provided.
The winners of the SHOMO awards will be announced at the Show Me the Money Bloggers 3 Conference in London on 23 September 2017. For more information about the conference, and booking information (for UK finance bloggers only), please click here.
Finally, I should like to express my gratitude to the unknown person or persons who nominated Pounds and Sense for an award..
As ever, if you have any comments or queries about this post, please do leave them below.
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I am very pleased to reveal that Pounds and Sense has been nominated for a SHOMO award by UK Money Bloggers.
The SHOMO awards (it stands for Show Me the Money Bloggers) are given out every year to UK-based independent money bloggers. The main sponsor is the cashback site Quidco.
There are various categories, from Best Frugal Food Blog to Best Personal Finance Blog. Pounds and Sense has been nominated in the Best Money Making Blog category.
I don’t expect to end up winning the award, as I am up against some highly professional and popular blogs in my category. However, even being short-listed in my blog’s first year is something I am very proud of.
The shortlists were produced by the SHOMO awards committee, chaired by Karyn Fleeting, aka Miss Thrifty. There is also a People’s Choice Award, for which all short-listed blogs are eligible. Voting takes place for this throughout August and is open to anyone. If you should feel inclined to vote for Pounds and Sense, don’t hold back!
The winners of the SHOMO awards will be announced at the Show Me the Money Bloggers 3 Conference in London on 23 September 2017. For more information about the conference, and booking information, please click here.
Finally, I should like to express my gratitude to the unknown person or persons who nominated Pounds and Sense for an award..
As ever, if you have any comments or queries about this post, please do leave them below.
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In recent years, like many older people, I have become a big fan of cruise holidays. This applies especially since my partner Jayne passed away.
Cruises are great for solo travellers, as every day there are different places to see. There are also games and activities on the ship, so you never need be short of something to do.
And most cruise lines make a particular effort to support solo travellers and bring them together, so they have company (if they want it) and don’t feel left out.
Based on my experiences, here are my ten top tips for anyone, single or otherwise, who is considering booking a cruise for the first time…
Pack at least one smart suit or dress. Most cruises include one or more ‘formal’ nights, and you don’t want to miss out.
Plan in advance what excursions you would like to take. This information will generally be available online so you can assess trips carefully and decide which would appeal. You can book on the ship as well, but personally I think it’s better to do this in advance when you can peruse all the information carefully and take the time to make up your mind.
Think carefully about cruising if you think you may be prone to sea-sickness. Once you are on a ship at sea there is no easy way of getting off, and being stuck in your cabin with acute nausea is no fun at all. Cruises on the Med are unlikely to cause this, but cruises on the Atlantic or Pacific (where the sea can be rougher) might. If you’re unsure, start with a short ‘taster’ cruise offered by many of the cruise companies.
Once you are on board, look out for the daily newsletter. This will be put under your door every night and set out everything you need to know about the ship’s itinerary the next day and all the many entertainments on offer.
One thing you will have to do early in the cruise is the lifeboat drill. This involves putting on a life-jacket and assembling at your designated muster point. The drills are a necessary evil, so just do as you are told and ask for advice from the crew if you’re unsure. Remember that as soon as all the passengers are assembled and accounted for the drill is over and you can get on with enjoying the cruise, so try not to be the person who holds things up for everybody else!
One big attraction of cruising (for me) is the range of food on offer, and I especially enjoy the themed buffets. Use common-sense, however, and be wary of eating things such as cheese or seafood that have been left out for a long time.
You will probably be given a special card to show when you get off and on the ship at its various ports of call. Guard this with your life, as without it you could in theory be denied re-entry to the ship on your return.
Be wary of all-inclusive cruises where passengers can drink as much as they like. Some people inevitably overdo it and I saw some VERY drunk (stupefied) people on the one such cruise that I went on. The smell of beery breath in the theatre in the evenings was quite unpleasant as well. Obviously if you enjoy drinking heavily you may disregard this, but one such cruise was more than enough for me. And I would think long and hard before taking children or grandchildren on one either.
Remember that the sun’s rays are reflected off the sea, and in warmer latitudes especially it is very easy to burn. Put on a high-factor sunscreen every day, therefore, and don’t spend too long in direct sunlight. Drink plenty of fluids (non-alcoholic!) as well, to avoid dehydrating.
Throw yourself into the cruise experience. Keep an open mind and be prepared to try new things such as deck quoits and carpet bowls. These can be a lot of fun, and however bad you are at them, chances are someone else will be even worse! A few people approach these games very seriously and try to win as many as they can, but most just do them for the fun of it. It can also be a great way to meet fellow passengers and make friends.
I hope you find these tips helpful. If you have any comments or queries, as always, do post them below. And likewise, if you have any tips for first-time cruisers of your own, please do share them.
Click here for some top tips on how to afford to travel.
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If you own a smartphone (Android or Apple), you can now download a free app that will show you the location of your nearest ATM anywhere in the UK.
The Link ATM Locator shows the location of all 70,000 Link ATMs, which is effectively every cash machine in the UK. It was developed with the support of the Thomas Pocklington Trust, a national sight loss charity who work to increase awareness and understanding of the needs of people with sight loss.
When you open the app, by default it shows a map of ATMs close to your current location. Free machines are shown in green and those that charge a fee in purple.
You can also search by town name or postcode if you want to know the location of ATMs there. As I prefer not to post my own address on this blog, here is a screen capture showing cash machine locations in the Tyseley area of Birmingham.
If you tap any of the coloured dots, it will show you more information about the machine in question, including how much (if anything) it charges for a withdrawal.
Additionally, by tapping the three-line options menu at the top left of the screen, you can set filters on the display. These include all the following:
£5 notes
Audio assistance
Mobile top-up
Wheelchair access
PIN management
Only free to use
There are a few other options you can set via this menu as well including Favourite ATMs. This lets you request alerts when you are near a particular ATM, in case you want to take the chance to withdraw some money. There are also hints and tips on staying safe when using ATMs.
The app is free to download from the Apple store and Google Play for Android. Just search for Link ATM locator.
I hope you find this app as useful as I do. As a keen smartphone user myself (I have a Samsung Galaxy A40) I plan to discuss other helpful apps in forthcoming posts on Pounds and Sense.
As ever, if you have any comments or questions arising from this post, please do post them below..
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