Planning for retirement can be very confusing, stressful and could leave you out of pocket if not carefully considered.

Those days are generally a thing of the past. Now instead of being sat down with a nice cup of tea and friendly chat, you're bombarded with endless information.

Food, water, bank account; the three things we all need in life. If you don't have a bank account you are cast aside from normal society and subjected varying degrees of embarrassment, inconvenience and problems.

Sun, sea, sand...We all love to get away, not necessarily all of us want the sunny high rise tourist traps of the Spanish Costa's, others like the more refined cultural trips to far away places that people have only read about it magazines.