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After UPW, I realised I needed to do more to get fit. So I started running. Whilst it was quite enjoyable, it started causing me problems with my knees. I decided to buy a bike—the first one I had owned since I was a teenager—in the hope that I would enjoy this just as much, but without the physical pain.



In order to up my commitment and ensure I embraced my new purchase, I signed up for a local event called ‘The Century Cycle Challenge’, a one hundred -mile bike ride. One hundred miles on the bike is, I believe,

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In continuation of the previous post, here are the other steps you need to follow to create energy for your body.

80% Natural Foods

Eating the right food to generate energy is about providing your body with the nutrients it needs in a form it can digest. As a result, I try to eat a diet of 80% natural food: That is, 80% of what I eat is made up of fruit, vegetables and unprocessed meat.

For now, if you start to eat a diet where 80% of what you consume is natural, you will be going a long way to improving your

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Activities do not fall into only one of the six human needs discussed in a previous post. In fact, if an activity satisfies three or more of these needs, you are likely to become addicted to it, whether it is good or bad.

This observation is underpinned by scientific studies. Some of you may have heard of the left-brain / right-brain theory. It used to be thought that a person who is ‘left-brained’ was more logical, analytical and objective, while a person who is ‘right-brained’ was more intuitive, thoughtful and subjective. Whilst this theory is now considered to be outdated, different

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This exercise is designed to force you to evaluate the actions that you consider acceptable today and to evaluate how they will compound over 20 years. In the same way that we have looked at the powerful effect of compound interest on your money, so it is that negative aspects compound over time to cause you serious issues in the future. No one gets upset when they see one investment delivering 7.5% when they got 7% from their portfolio. But over twenty years on a £100,000 investment, this means you miss out nearly £38,000.

Similarly, if you put toxins into your

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As well as putting the right things into your body, it is important that you also get some regular exercise. Many people who reach retirement don’t really know how to address this. Some suddenly become regular attendees of the gym for the first time in their life, others take up weights and others do nothing. So what is the best approach?

The first principle to consider is aerobic versus anaerobic exercise. If you want to burn fat and be in good shape, ensure you get aerobic exercise. By this I mean exercising in an energetic way, but not so much so

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Consolidate For Clarity

There are some important considerations to take into account with your old trail of pensions that you drag behind you like the cans behind a wedding car. My recommendation is that you seek the advice of an Independent Financial Planner with advanced pension qualifications because there can be other aspects of pensions that would affect this advice. My hope is that those people who are determined to do it themselves will make better decisions as a result of reading my blog posts.

Either way, assuming you don’t give up valuable benefits or increase the charges more than the likely

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‘The Bucket List’ is one component of your purpose. When it comes to redefining your ‘Bucket List’, the beauty of retirement is that time is no longer the limited resource it once was. Whilst it may still be our most valuable resource, you are lucky enough to have just inherited a load more of it. So what can you do with it?
Have you always wanted to play an instrument, but never had the time to learn? Have you always been embarrassed in foreign countries because you can’t speak the local lingo, but never had the time to learn it? Your

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If you want your money to start working for you over and above inflation, then to make real gains you have to look at taking some risks. You are almost certainly already taking some risk with the money in your pension, so why wouldn’t you do it with the money outside of your pension?
The most obvious way to do this is to use your NISA allowance. Your NISA is not just for cash savings; it can also hold low-risk and high-risk investments. Know that NISAs may give you a higher yield than cash and inflation, but doing so can take

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A client of ours came to us in his early 50’s. He had been made redundant from a highly successful corporate career and was unsure of his options and his next steps. Not being 55 yet, he felt was too young to retire, but he was tired and disheartened by the all-consuming corporate life he had been leading. He had given his soul to a company that cast him aside just short of what he considered the peak of his career, and he didn’t initially know where to turn: neither from a lifestyle point of view nor a financial one.
Our

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To be able to select the right options at retirement, you need to be able to organise your affairs correctly in the lead up to and at retirement. I want to guide you through the tools you have available to use, so you too can get yourself organised before retirement.
The Security of An Annuity
When you get to retirement with a Personal Pension, use the 75% to purchase an annuity. Annuities are an insurance of a future income until you die. Annuities provide predictability, guarantees and security. Once you are locked into an annuity, you cannot change to another provider if

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