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Many Middle-aged Savers Face A Grim Retirement As Two Recessions And A Stingier Pension System Undermine Their Ability To Provide For Old Age New Research Reveals

2020-07-20T01:14:18Z

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Many middle-aged savers face a grim retirement as two recessions and a stingier pension system undermine their ability to provide for old age, new research reveals. The [http://bordersalertandready.com/?s=financial%20crash&search=Search financial crash] and the coronavirus crisis will disrupt the earnings of many people currently aged 40-55, who will also miss out on generous final salary pensions and the full benefits of auto-enrolment. Just 5 per cent of middle-aged workers are saving more than £750 a month into pensions, though you need to put aside £800 a month to fund a 'moderate' retirement lifestyle, according to financial technology firm Dunstan Thomas. Working from home: Coronavirus pandemic has accelerated more flexible practices which favour older people who will want to work beyond retirement age A high redundancy rate among people in this age group and declining access to financial advice are other factors affecting their chances of a 'conventional' retirement, adds the firm. Many will probably go on working well into their 70s, [https://www.kynghidongduong.vn/tours/tour-du-lich-ha-noi-bac-kan-ho-ba-be-cao-bang-hang-pac-bo-thac-ban-gioc.html tour hồ ba bể] though this will be a lifestyle choice for some, not just about financial necessity, it says. How do you sort out your pension? Find out how to rescue it from a shortfall below RELATED ARTICLES [# Previous] [# 1] [# Next] [/money/pensions/article-8447647/More-50s-claiming-Universal-Credit-25s.html More over-50s are claiming Universal Credit than under-25s,...] [/money/pensions/article-8422745/Coronavirus-hit-pensions-force-delay-retirement.html Are you facing a pensions black hole? One in five workers...] [/money/pensions/article-7752313/How-REALLY-need-save-retirement-dreams.html Could giving up four coffees a week boost your pension by...] [/money/pensions/article-7974605/How-pension-saved.html More than half of workers don't know the size of their...] Share this article Share HOW THIS IS MONEY CAN HELP [/findanadviser/ Find a financial adviser you can trust with This is Money's help] To help give savers an indication of how much they will need to meet everyday bills in old age, industry group the Pensions and Lifetime Savings Association [/money/pensions/article-7752313/How-REALLY-need-save-retirement-dreams.html published a 'retirement living standards' guide last year.] In broad terms, it estimates a single person will need about £10,000 a year for [https://www.kynghidongduong.vn/tours/tour-du-lich-ha-noi-bac-kan-ho-ba-be-cao-bang-hang-pac-bo-thac-ban-gioc.html tour thác bản giốc] a basic standard of living, £20,000 a year for a moderate lifestyle, and £30,000 a year for a comfortable old age. For couples, the figures are £15,000, £30,000 and [https://www.kynghidongduong.vn/tours/tour-du-lich-ha-noi-bac-kan-ho-ba-be-cao-bang-hang-pac-bo-thac-ban-gioc.html kynghidongduong.vn] £45,000 respectively. Dunstan Thomas, which surveyed a nationally representative group of 2,000 people who are currently 40-55 years old, found their average pension pot was £159,800 and they are making pension contributions of about £200 per month. Their average non-pension savings and investments are around £71,600, including buy to let property but not the value of their own homes. Some 25 per cent have no personal pension, savings or investments. Meanwhile, the axing of generous and guaranteed 'final salary' pensions by private sector employers means just 27 per cent of middle aged workers are now in line to get one at retirement. Some two out of five have been made compulsorily redundant while one in five has taken voluntary redundancy at least once, [/money/pensions/article-7921483/Redundancy-40-drag-effect-pension-savings.html experiences that can blow massive holes in pension pots.] <div class="art-ins mol-factbox money" data-version="2" id="mol-9b959e40-ba08-11ea-98c3-1dcfabbf6ccd" website do I sort my pension before it's too late?

How IOS 14 Could Permanently Change The Way You Use Your IPhone Home Screen

2020-07-19T18:18:29Z

HollySqa0876:

id="article-body" class="row" section="article-body"> Big changes are coming to your iPhone home screen in iOS 14. Apple Your [/reviews/iphone-11-2019-battery-deep-fusion-review/ iPhone] ([ ]) home screen still looks and [http://de.pons.com/übersetzung?q=functions%20pretty&l=deen&in=&lf=en functions pretty] much the same as it has for the last 13 years, but all that's set to change when [/news/apple-ios-14-first-take-wwdc-2020-iphone-home-screen-siri-widgets-picture-in-picture-video-app-clips/ iOS 14] -- which debuted Monday at [/news/wwdc-2020-heres-everything-apple-announced-ios-14-macos-big-sur-mac-arm-chips-siri-messages-memoji/ Apple's annual Worldwide Developers Conference] -- is released to the public sometime this fall. (Developers, [https://www.kynghidongduong.vn/tours/tour-du-lich-ha-noi-bac-kan-ho-ba-be-cao-bang-hang-pac-bo-thac-ban-gioc.html kynghidongduong.vn] however, can [/news/ios-14-ipados-14-developer-betas-how-to-download-and-install-them-now/ download a beta version right now].) Taking cues from core features [/news/ios-14-apple-redesigned-iphone-home-screen-easier-navigate/ Android has had for years], Apple has focused much of the iOS 14 update on making the home screen easier to organize with more customization options, smarter suggestions and leaner, faster app experiences. The end result is a mobile operating system that does more to get out of your way, giving you faster, more direct access to the information, products and services you need. We're going to take a look at the biggest new home screen layout and organization features announced at [/wwdc/ WWDC] 2020 as well as how you'll use them when iOS 14 arrives on your device. App Library automatically sorts all your iPhone apps into categories and places the most recently and frequently used apps at the top. Apple iOS 14 can help you clear your home screen clutter Unless you stay on top of it, [https://www.kynghidongduong.vn/tours/tour-du-lich-ha-noi-bac-kan-ho-ba-be-cao-bang-hang-pac-bo-thac-ban-gioc.html tour thác bản giốc] after a while, apps you download start piling up and eventually your home screen begins to sprawl. [/news/ios-14-apple-redesigned-iphone-home-screen-easier-navigate/ App Library] cleans that mess up for you -- [/news/iphones-radical-new-ios-14-home-screen-changes-what-you-need-to-know/ in a roundabout way]. What it is: A home screen page a flick beyond your last home screen page. App Library lists all of your apps in smartly curated category folders that display the most recently or frequently used apps at the top and all your other apps by type. How you'll use it: App Library [/news/iphones-radical-new-ios-14-home-screen-changes-what-you-need-to-know/ doesn't reorganize your home screens for you]. But it does organize all your apps in a new view so you can quickly find and open them without swiping through page on page. You can also search or scroll by app name. Now playing: Watch this: iOS 14 hands-on preview: Trying out the developers'... 12:13 You can rely on the App Library as much or as little as you want to. If you'd prefer to curate your own app folders like you've been doing, the App Library will still be there as the final page of your home screen if you need it. If you want a few customized pages but to use the App Library to quickly find everything else, you can choose which pages to hide and which to display. Or you can go all-in and have nothing except one custom page of apps followed by the App Library. How to get started: First, you'll trigger your iPhone's "jiggle mode" that you use to rearrange apps. Once you're in that view, you can tap the row of dots at the bottom of the screen and then check or uncheck home screen pages to keep or get rid of them from your typical view. Apps from the pages you uncheck will then be accessible only from inside the App Library, which you'll get to by swiping right past the last page of your home screen.

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2020-07-19T18:17:52Z

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