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According to research conducted by Which? you will need an annual household income of about 26000 pounds per annum to have a comfortable retirement in the UK
What are the big questions to ask before you retire? Ask the right questions when your retirement plan is in your focus.
There are common retirement questions to ask. Find some of the answers on this website. If you are approaching retirement or planning for retirement in UK at some point at seemingly distant future get help to enjoy your retirement more for less money and hassle.
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If you are clear and certain what your goal in life is that would bring you most happiness health and wealth if you achieved it, then you have greater chance of being happy healthy and wealthy
Achieve more by setting clearer better more achievable life goals. Find out how to improve your life in UK with CheeringupInfo.
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What is your most important goal in your life and what is your plan to achieve it? Decide each day what you are going to do each day no matter how small a step forward to achieve your goal and make sure you complete that step each day. Develop the most important skill you need in life to achieve your goal and do one thing every day to sharpen your saw, be more skilled today and every day.
Planning for and achieving the life of your dreams more easily and cheaper
Do not live the life you are given. Live the life you want for yourself. First you need to know what life you want to lead. Many people sleepwalk happily through life. The key word here is happily. There is nothing wrong with happily sleepwalking through life.
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However if you are not happily sleepwalking through life you need to set life goals down in written. This makes life goals more real. It is also the first step in making your life goals more easily to achieve.
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How you complete the life the life you dream of may change over time. Your life goals should not really change that much if you put in the effort at the beginning to truly signpost what you aspire to do in your whole life.
Identify and avoid common pitfalls that could hold you back. Sometimes life will get in the way of achieving your dreams. Life is what happens on route to achieving what you really want out of your life. You may need to go round the houses to get to your life goals because of life events but you will remain clear where you want to end up by time your life is at an end.
Taking the long route to complete your life goals is fine. You can not anticipate everything that is going to happen to you in your life. You will have to change how you get there but you will still arrive at where you want to be in life.
Make sure you do one thing each day to achieve your own life goals. No matter how small a step it is just make sure your take the next step to achieving your life goals every day. The step may even take you further away from your end destination in short term but it maybe a necessary step in your journey towards the end life goal.
100 Life Goals
Examining 100 life goals. Pick up tips ideas and inspiration to mould your own life goals. We look at other peoples life goals and find out how they managed life events to achieve them.
In addition we find ways to inspire your own life goals and explore how you could achieve them more easily. Just because you have not set or achieved your life goals does not mean you can not start today.
We are not suggesting you try to achieve other peoples life goals. We are suggesting other peoples life goals can open your eyes to what could be possible in your lifetime. You make some tweaks to fit your preferences and bingo you have your own bespoke life goals.
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Goal Setting
Effective Goal Setting
Goal setting is the process of identifying specific objectives or targets that an individual or organisation aims to achieve within a certain timeframe. It involves defining what you want to accomplish, creating a plan to achieve it, and taking action to make it happen. Goal setting is an important tool for personal and professional development, as it helps provide direction, motivation, and focus to work towards desired outcomes.
Here are some key principles of effective goal setting:
Specificity: Goals should be clear and specific, stating exactly what is to be achieved, by whom, and by when. This helps to create a clear target and provides a framework for measuring progress.
Measurability: Goals should be measurable, meaning that progress can be tracked and evaluated. This allows for objective assessment of whether the goal has been achieved or not.
Achievability: Goals should be realistic and achievable, considering available resources, constraints, and capabilities. Setting overly ambitious or unrealistic goals can lead to frustration and disappointment.
Relevance: Goals should be aligned with the overall vision, values, and priorities of the individual or organisation. They should be meaningful and relevant to the larger context in which they are set.
Time-bound: Goals should have a deadline or timeframe within which they are to be achieved. This helps create a sense of urgency and accountability, and prevents goals from being indefinitely postponed.
Flexibility: While goals should be specific and time-bound, it’s important to also allow for flexibility and adaptability. Circumstances may change, and it’s important to be able to adjust goals accordingly.
Action-oriented: Goals should be accompanied by an actionable plan outlining the steps needed to achieve them. Taking consistent action towards the goal is crucial for making progress.
Review and reflection: Regularly reviewing and reflecting on progress towards goals is important to assess what is working, what needs adjustment, and to stay motivated. Adjustments can be made as needed to keep moving towards the desired outcome.
By following these principles, goal setting can be a powerful tool for personal and professional growth, helping individuals and organisations achieve their desired outcomes.
Motivation and inspiration: Goals should be aligned with personal or organisational values, passions, and aspirations. When goals are personally meaningful, they can serve as a source of motivation and inspiration, driving individuals or organisations to take persistent action towards achieving them.
Break down into smaller goals: Large or complex goals can sometimes feel overwhelming. Breaking down long-term goals into smaller, manageable sub-goals or milestones can make them more achievable and easier to track progress. This also provides a sense of accomplishment as each sub-goal is achieved, boosting motivation to continue working towards the larger goal.
Share and communicate goals: Sharing goals with others, whether it’s a mentor, a coach, a friend, or a team, can provide external support, encouragement, and accountability. Communicating goals can also help to clarify and reinforce them, as well as gather feedback and perspectives that can further refine the goal-setting process.
Learn from setbacks: Setbacks and obstacles are a natural part of any journey towards achieving goals. Instead of getting discouraged, view setbacks as opportunities to learn, grow, and adjust strategies. Reflect on what went wrong, what can be improved, and how to overcome challenges to keep moving forward.
Stay focused and disciplined: Achieving goals requires consistent effort and discipline. Avoid distractions and stay focused on the tasks that align with the goals. Develop good habits and routines that support progress towards the goals. It’s important to stay committed, motivated, and resilient, even when facing challenges or setbacks.
Celebrate successes: Celebrating milestones and successes along the way can provide positive reinforcement and motivation to continue pursuing the goals. Acknowledge and appreciate the progress made, and reward yourself or the team for the hard work and achievements.
Review and revise regularly: Goal setting is not a one-time event, but an ongoing process. Regularly review the progress made, reassess the goals, and revise the plan as needed. As circumstances change or new opportunities arise, goals may need to be adjusted or replaced with new ones.
In conclusion, effective goal setting involves setting clear, measurable, achievable, relevant, and time-bound (SMART) goals, creating actionable plans, staying motivated and focused, and continuously reviewing and adapting the goals. By following these principles and incorporating them into your personal or organisational practices, you can increase your chances of successfully achieving your desired outcomes and fulfilling your aspirations.
Healthy ageing tips for people living in UK. Find out how to live better as you grow older. Pick up tips advice and support to live well in retirement in UK.
Learn how to get fit and maintain health to age better. Pick up tips for ageing better and living happier for longer. Stay strong and healthy. Take control of your health as far as reasonably practicable.
How to maintain good health as you age
What are the hallmarks of ageing
The hallmarks of aging are 9 biological processes that contribute to the decline in function and increased risk of age-related diseases:
Genomic instability: Accumulation of mutations in DNA
Telomere attrition: Shortening of the protective DNA caps at the ends of chromosomes
Epigenetic alterations: Changes in gene expression caused by modifications to DNA or its associated proteins
Loss of proteostasis: Decline in the cells’ ability to maintain a balance of proteins
Deregulated nutrient sensing: Impaired regulation of cellular metabolism
Mitochondrial dysfunction: Decreased function of cellular powerhouses, the mitochondria
Cellular senescence: Accumulation of cells that no longer divide and contribute to tissue aging
Stem cell exhaustion: Decreased numbers of functional stem cells
Altered intercellular communication: Changes in communication between cells that can lead to inflammation and tissue damage.
What this means in practical terms for people wanting to slow or reverse ageing
As we age, the decline in function and increased risk of age-related diseases can have a significant impact on our health and well-being. Understanding the hallmarks of aging can help us develop strategies to slow or reverse the aging process.
Maintaining genomic stability: Maintaining a healthy lifestyle, such as not smoking and limiting alcohol consumption, can help reduce the risk of mutations in DNA. Eating a diet rich in antioxidants, such as fruits and vegetables, may also help protect against DNA damage.
Preserving telomeres: Exercise and a healthy diet have been shown to have a positive effect on telomere length, potentially slowing down the aging process. Additionally, managing stress levels and getting adequate sleep may also help preserve telomeres.
Regulating epigenetic alterations: A diet that is rich in fruits and vegetables, low in processed foods and sugar, and contains healthy fats has been shown to positively impact epigenetic changes. Regular exercise and managing stress levels may also help regulate epigenetic alterations.
Supporting proteostasis: Eating a balanced diet that is rich in protein and contains a variety of different types of amino acids can help support proteostasis. Additionally, engaging in regular physical activity and reducing stress levels may also help maintain protein balance in the cells.
Regulating nutrient sensing: A diet that is low in sugar, high in fiber, and rich in fruits and vegetables can help regulate nutrient sensing and improve cellular metabolism. Engaging in regular physical activity and avoiding overeating can also be beneficial.
Supporting mitochondrial function: Exercise has been shown to increase the number of mitochondria and improve their function, potentially slowing down the aging process. Eating a diet that is rich in antioxidants, such as fruits and vegetables, and avoiding high levels of processed foods and sugar may also help support mitochondrial function.
Reducing cellular senescence: Engaging in regular physical activity, eating a healthy diet, and managing stress levels may help reduce the accumulation of senescent cells and contribute to a slower aging process.
Supporting stem cell function: A diet that is rich in fruits and vegetables, healthy fats, and contains adequate levels of protein can help support stem cell function. Additionally, engaging in regular physical activity and managing stress levels may also help maintain stem cell health.
Improving intercellular communication: Eating a diet that is rich in fruits and vegetables, low in processed foods and sugar, and contains healthy fats may help improve intercellular communication and reduce inflammation. Engaging in regular physical activity and managing stress levels may also have a positive impact on intercellular communication.
In conclusion, the hallmarks of aging offer a useful framework for understanding the biological processes that contribute to aging and age-related diseases. By maintaining a healthy lifestyle, including a balanced diet and regular physical activity, and managing stress levels, it may be possible to slow down or even reverse the aging process.
Here is a table summarising the recommendations for slowing or reversing the aging process based on the hallmarks of aging:
Hallmark of Aging
Recommendations
Genomic instability
Limit exposure to environmental toxins and pollutants. Maintain a healthy lifestyle, including not smoking and limiting alcohol consumption. Eat a diet rich in antioxidants, such as fruits and vegetables
Telomere attrition
Exercise regularly. Maintain a healthy diet. Manage stress levels. Get adequate sleep
Epigenetic alterations
Maintain a healthy diet, low in processed foods and sugar and high in fruits and vegetables. Exercise regularly. Manage stress levels
Loss of proteostasis
Eat a balanced diet that is rich in protein and contains a variety of different types of amino acids. Engage in regular physical activity. Reduce stress levels
Deregulated nutrient sensing
Maintain a diet that is low in sugar, high in fiber, and rich in fruits and vegetables. Engage in regular physical activity. Avoid overeating
Mitochondrial dysfunction
Exercise regularly. Eat a diet that is rich in antioxidants, such as fruits and vegetables. Limit exposure to environmental toxins and pollutants. Avoid a high intake of processed foods and sugar
Cellular senescence
Engage in regular physical activity. Maintain a healthy diet. Manage stress levels
Stem cell exhaustion
Eat a diet that is rich in fruits and vegetables, healthy fats, and contains adequate levels of protein. Engage in regular physical activity. Manage stress levels
Altered intercellular communication
Eat a diet that is rich in fruits and vegetables, low in processed foods and sugar, and contains healthy fats Engage in regular physical activity. Manage stress levels
Recommendations for slowing or reversing the aging process based on the hallmarks of aging:
It is important to note that everyone is different and may have unique needs and circumstances, so it’s best to consult with a healthcare professional to determine the best approach for individual needs.
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Retirement money UK pension and other retirement income tips together with better ways to save money in retirement in the UK
Live better in retirement in UK with CheeringupInfo. Comfortable retirement UK often requires careful money management planning. Make the most of your retirement in the UK with your available budget.
Money advice service for retirement pension or other retirement income and information on how to save money in retirement in UK.
Gather together all your pension entitlements including personal and workplace pensions from previous employers.
Find out from the UK government what your State Pension entitlement will be.
Check out the benefit of delaying retirement if you fancy continuing work and are able to work in retirement age.
Build a portfolio of savings and investments you will have in retirement and monitor performance of retirement investment resources.
Identify what equity you have in your home
Identify what income you will have each month from your retirement portfolio. Realistically looking at your regular spending costs and luxury spending preferences each month.
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Make what money you do have work harder for you.
Gear up for your retirement as early as possible to make your retirement as comfortable as reasonable practicable.
Read our retirement lifestyle articles and watch our videos to help you understand cost saving measures and get huge discounts of standard everyday products and services.
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Set financial priorities in the lead up to retirement, moving some money from growth investments to income investments.
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cheeringup.info Retirement Money Management Tips
Whether you have defined benefit pension defined contribution pension or an alternative way to save for your retirement in the UK or can only rely on UK State Pension cheeringupTV has some tips to help make your retirement in UK better
Making sure you have enough post retirement income in UK should be a key part of retirement planning. We look at the best investments for your retirement. Our financial adviser partners will provide free advice on the latest retirement money management tips to help you make the right decision for yourself.
Most people do. However what are you actively doing do make sure you have the right investments in place to make it a comfortable retirement?
Many people in the UK are making common mistakes with their retirement money. There is no definitive good decision for retirement money as this will depend on your attitude to investment risk. However you can make bad decisions and know they are bad decisions without the need for hindsight.
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26 October 2022 – Martin Lewis, consumer money tips expert who setup MoneySavingExpert alerts older women to possible way to secure thousands of pounds of free money!
230,000 people in the UK could be entitled to more free money from the UK government. Check if you are owed tens of thousands in extra state pension. You may have been underpaid due to government IT system failure. Martin Lewis has urged women to check their state pension.
If you reached UK state pension age before April 2016 you could be due alot more money. Thousands of women have not received their full entitlement of state pension. Women over 80 are being prioritised by UK DWP to be contacted to advise them how much money due.
Whats more important to you for best retirement lifestyle
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13th May 2020 Retirement Housebuilder Brings Fine Dining to Residents’ Doors with New Delivery Service
Leading retirement housebuilder McCarthy & Stone has launched a new food delivery service for residents at its Retirement Living PLUS developments to combat the restrictions caused by the COVID-19 pandemic.
The unprecedented situation with the coronavirus has meant their on-site restaurants and bistros have had to close. So to ensure RLP homeowners can still access the delicious and nutritious meals they enjoy, staff at these developments have been preparing and delivering different dining options right to their doorsteps. This also means residents don’t need to leave their homes and reduces the risk of them being exposed to or catching COVID-19.
The service has proved hugely popular, with up to 85% of homeowners placing orders on a daily basis. The fine dining options include 3-course lunches, evening supper plates and selections of lighter snacks and sandwiches.
On top of the meal delivery service, residents also have the option to procure vegetable boxes and food parcels containing essentials like bread, milk and eggs. These can also be delivered to residents and again means there’s no need for them to leave their homes to shop for ingredients.
Safety is of the utmost importance with this new service and all precautions are taken by staff to ensure social distancing measures are respected with both the food preparation and delivery. Food trays and parcels are delivered outside of apartments and meals come with disposable plates and cutlery to reduce the risk of cross contamination.
McCarthy & Stone’s Catering Director, Andrew Rowlands, offered his comments on the service and praised the efforts of those involved:
“Producing and delivering nearly 5,000 meals each day the Catering teams and the Estate teams at each development are working extremely hard to feed our residents.
“Chefs, Kitchen Assistants, Estate Managers, Duty Managers and Care & Support Workers are all working around the clock to make sure residents get at least one hot meal a day, which I know is very much appreciated by all.
Some developments are going above and beyond and have even been providing little treats to brighten up their residents’ days as best they can. So, a big thank you to everyone involved for going that extra mile and supporting our residents in this unprecedented time.”
McCarthy & Stone will be running this service at its Retirement Living PLUS developments throughout the continuing social restrictions.
About McCarthy & Stone
McCarthy & Stone are the UK’s leading retirement housebuilder. Over the past 40 years, it has built more than 51,000 apartments nationwide, regularly winning awards for work. Property development is at the heart of the business and as the needs of homeowners have changed, it has developed other services designed to help them enjoy a better retirement.
11th July 2018 Care Provider Failed To Adequately Train Staff and Carr y Out Risk Assessments
Accrington based Options Home Care has been put in special measures after being deemed unsafe by the health watchdog the Care Quality Commission CQC following an inspection.
CQC report found the companys assessments for patients who were at risk of falling failed to show how the danger was being managed and risk assessments were handwritten and difficult to read.
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The firm operates across east Lancashire and cares for elderly and dementia patients.
