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Hello & welcome to the latest edition of the Mabels newsletters

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*Read the latest article for better living...

STARTING OUT AGAIN ON YOUR OWN -Making friends & hobbies..

Depending on your interests, there are usually community centres that have get-togethers or your area might have a gardening club, photographic club, film club or similar. more




Cash Isa's



In other words 'do not give the government the tax on the interest received on your hard earned savings - keep it (and this is hard to believe) with the government's blessing'.

Yes, the current tax year is coming to an end and there are only a few days left to use up this year's ISA allowance. So, if you normally pay tax, place up to £3,000 into a Cash Mini ISA before the 5 April. (I can hear you saying "Yes, it may be good advice but I just don't have £3,000 available") Therefore, the next good advice would be - if you hold savings on which you pay tax, then why not transfer some of it into an ISA? Unless you choose a fixed rate ISA, your money is accessible for emergencies - although, of course, financially it usually makes sense to leave the money in the tax-free high interest ISA and withdraw money from other taxed savings.

A timely reminder - you cannot carry the allowance for this year over to the next year, so unfortunately as we have mentioned before

'If you don't use it - then you will lose it!'

Also if you are a married couple, then there is an allowance of £6,000 that you can place out of the taxman's reach.
Points worth bearing in mind - if you are a basic rate taxpayer and invest in an ISA offering 5% interest, in order to receive a comparative amount of interest outside of an ISA, you would have to find a savings account offering 6.25% and if you are a higher rate taxpayer you would need to find one paying 8.33%. Yet, amazingly, three-quarters of adult savers do not bother to put their savings into an ISA account.

There are many good rates around at the moment -

Britannia BS offering 5% interest (fixed rate until April next year) (www.britannia.co.uk)
Portman BS offering 5.25% (includes an introductory bonus) (www.portman.co.uk)
Alliance & Leicester offering 5.20% (includes an introductory bonus) (www.alliance-leicester.co.uk)

If at a later date your chosen investment becomes uncompetitive, then of course you transfer to another ISA. The important word here is 'transfer' - the ISA must be transferred between the banks or building societies on instructions from you. If you withdraw the money in order to invest it elsewhere, then you will lose the tax-free element. When an ISA is withdrawn you cannot reinvest it back into the ISA.

So, don't be one of the 75% who fail to take advantage of the government's gift to you. Also, if you want to make a monetary gift to an offspring who is over 18, then why not place it in an ISA
(asking them to sign the application form, of course) and then the gift will accrue tax-free interest? Doesn't it make you feel good, when money earns money and you haven't actually got to work for it? And as an added bonus, you're not one of the 75% April Fools!


You can also visit our finance section by clicking here


Mabels Features contains articles of interest for you. It is edited by Jo Godden who has a regular talkback page.

Sharing interests & experiences...

Read Jo's views,tips and ideas ,then you can add your own by emailing her, just click here



*Latest News

Keep ahead of the latest news & information on the following topics by clicking on one of the following links:

Retirement News


Pension & Finance News


Health News


General latest News


Read Articles:
Retirement, Health. Ageing, Finance Advice etc..



Natural Vision Correction...Amazingly Simple Natural Vision Improvement Program Helps Thousands! Click Here For More Information...


Essential Vision Tip: The 4 Nutrients Your Eyes Really Need.

From Lasik to Lutein it seems everywhere you look there is a new product or procedure touting vision enhancement. Here are a few nutrients that play an important role in the health of your eye.

1. Vitamin A
Are carrots really good for your eyes or is that something parents said just to get kids to eat their vegetables?

Actually, it's true. Carrots contain a high level of vitamin A, which is very good for your eyes.
It helps reduce the risk of cataracts. Vitamin A is found in many orange, red, and yellow fruits
and vegetables and in leafy green vegetables.

2. Lutein

Lutein is a carotenoid that your body turns into an anti-oxidant. Lutein is the primary carotenoid
located in the center of the retina, called the macula.

Six mg. of lutein has been shown to reduce the risk of macular degeneration by nearly 57%. A similar study showed that a diet low in lutein greatly increased the chance of developing cataracts. It benefits the overall health of the eye and has even been linked to reducing the hardening and narrowing of arteries.

There is currently no recommended daily allowance (RDA) for lutein, but the preventative effects stated above resulted from 6 mg. of lutein per day. With the busy lives we lead today, it is pretty hard to get 6 mg. per day from food sources, which is where a good supplement can come in.

3. Vitamin C

It seems vitamin C is an important anti-oxidant for just about everything these days - and it deserves
mention in the benefits it has in protecting your eyesight.

Vitamin C has been linked to the prevention of cataracts, the delay of macular degeneration, and eye
pressure reduction in glaucoma patients. Add all these benefits to the seemingly endless other benefits that vitamin C has been linked to for our overall health: it is a Vitamin you do not want to be without.

The U.S. RDA for vitamin C is 60 mg. for both men and women. It does not stay in the body very long so it needs to be constantly replenished to obtain the benefits.

4. Bilberry

Researchers found that bilberry appear to fortify blood vessel walls, improving blood flow to the tiny
blood vessels that keep eyes healthy and functioning properly, as well as to larger blood vessels that help maintain good circulation throughout the body. It also has been shown to help prevent macular
degeneration and cataracts.

There is no RDA for this herb, but studies suggest that 80-160 mg. of the standardized extract is
the amount needed to obtain the above-mentioned benefits.

For more great information on improving and preserving your eyesight naturally click here.




Don't feel guilty about being kind to yourself - take a holiday. You need to give yourself time to relax, and to engage in activities that you find rewarding. It is sensible, not self indulgent to look after your self in this way. Doing things you have to do all the time has a negative effect on your emotional health. As well as the fact that a holiday or trip can renew the strength required to carry on in the face of difficult circumstances.


There is a vast choice of cheap holidays in 2006 on offer using the internet and there is something for everybody..Just click here to browse further


Click here


*Making life easier

Check out the latest offers on mobility products...



*Have you got a birthday or anniversary coming up?

Visit some of the top resources in our Shopping section ,Gift section & Special offers section, if there's a landmark event coming up, you should find something here to mark the occasion.



http://www.mabels.org.uk/special- offers.htm



*Top resources of the Month

Visit our most popular sites of the month by clicking on the following links & banners...

Provides a FREE and impartial service to help Uk households save money on their bills. more

Glasses direct
£15 glasses, custom made to your prescription!

Glasses Direct


Bag of Sweets
Retro and vintage sweets and candy. All the sweets you thought no longer existed. All your childhood memories brought back to life! more...
Games On Board, Click here!
Games On Board
GamesOnBoard.co.uk sells a large range of board games ranging from chess sets and backgammon to dominoes and compendiums. In addition we offer ‘home casino’ products including poker chips and roulette wheels.




*In the Garden

Check out the latest offers in our gardening for seniors section...

Welcome to Able Gardener, the gardening web site for all your gardening needs. We have all kinds of gardening equipment, gardening tools, gardening accessories, including garden gloves and will soon be bringing you other gifts for the home and garden. Able Gardeners’ mission is to bring comfort to the less able gardeners amongst us, whether though advancing years, a disability or perhaps you are recovering from an operation. Whether you have back pain, arthritis or any kind of mobility impairment, we hope we have something to help you amongst our range of gardening equipment and tools. Able Gardener…….bringing comfort to gardening. more






*This Month's retirement Funny

A man once counselled his son that if he wanted to live a long life, the secret was to sprinkle a little gunpowder on his corn-flakes every morning.

The son did this religiously, and he lived to the age of 93. When he died, he left 14 children, 28 grandchildren, 35 great-grandchildren, and a 15 foot hole in the wall of the crematorium.



*Competition & games

Visit our competition & gaming page & have some fun, exercise the mind as well as the possibility in winnng great cash & prizes..Just click here to browse further

Competition & games

All competitions / prize draws on Win4now.co.uk are free to enter



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