How Seniors Can Make Their Money Work in Retirement

Financial Freedom After 60: The Best Investment Options for Seniors

Written by R. A. Stewart

 

Your age is a crucial factor in establishing your savings and investing strategy. Your 20s, 30s, 40s, and 50s are your savings years. It is these years when you build up your assets. 

Your 60s and 70s can be considered your spending years. It is when you tick off items on your bucket list while you are able to.

That does not mean that you do not have to work, a lot of older people are taking this option, not because they cannot make ends meet on their pension, but because they enjoy what they are doing.

In New Zealand, retirees will have access to their kiwisaver account once they reach the age of 65. Money invested in kiwisaver will be in growth, balanced, or conservative funds. Most people during their working life opt for growth or balanced funds.

It is time to decide whether to stay with the status quo or invest in more conservative funds. 

Your age and your health are the two most important factors in deciding which fund to invest your money in. 

Older people do not have time on their side to overcome financial setbacks such share market falls and so forth, therefore if you are 60+ it is a good idea to lean toward more conservative investments but still retain some exposure to risk.

It is worth mentioning at this point that New Zealand financial advisor and writer Frances Cook has a formula for calculating how much exposure you should have based on your age, and it is this…

Subtract your age from 100.

If for example you are aged 60 then only 40% of your portfolio should be invested in the share market.

I do not necessarily agree with this formula and my exposure to the share market is more than her formula suggests I have.

However, that is a personal choice; one that I do not necessarily recommend to you because your circumstances will be different as they are for different people.

If you are connected to the internet and you have a lot of spare cash in your account then I suggest that you place most of your money into an account that is not connected to internet banking. This is to reduce your chances of becoming a victim of internet scammers. 

With internet banking being the norm, this could be difficult in the future though.

In any case I still believe that it will pay to arrange your finances so that if you fall victim to a scammer then not all of your money will be lost. 

Don’t leave all of your money in the one account for goodness sake as some victims of scammers have.

If you are traveling then make sure you don’t have access to your life savings because if you do then so will be a scammer if they manage to get hold of your login details. What I am trying to say is you should leave your entire life savings in an account which you use to do your daily spending. Keep it in a separate account from the account you do your day to day banking. The 

Scammers have all kinds of ways to trick people into handing over their login details.

Anyone can be a victim so don’t be proud by saying “I am not that stupid.”

As you get older you will have to invest more conservatively; that does not necessarily mean transferring from growth to conservative funds but investing some of your current savings into low risk accounts. The deciding factor is your timeline. How soon you need the money and funds which are going to be used within 12 months are best invested conservatively.

 

www.robertastewart.com

 

ABOUT THIS ARTICLE

This article is of the opinion of the writer and may not be applicable to your personal circumstances. Feel free to share this article. You may also use this article for your website/blog or as content for your ebook.

Prioritizing your spending

The Waiho Bridge near Franz Josef Glacier, New Zealand.

Prioritizing your spending

Written by R. A. Stewart

Life is all about making priorities and it is not all about money and how you prioritize your spending but about what you do with your time. We have different financial commitments and different levels of income but when it comes to time, we all have an allotted 24 hours in the day, no more and no less but our income and how we earn our income will have an effect on how much time we have to devote to the important things in our life.

Many people sacrifice their time for money by spending all of their time working leaving little time for anything else. They are out of balance.

If you have a specific goal in mind such as saving for a house deposit then the sacrifices may be worth it in the long term. Maybe because only you will know whether the long days were truly worth it. It all depends on what your priorities are.

What factors should you consider when setting priorities?

Here are several to consider:

Your commitments

If you have children then you obviously have different priorities than someone without children. It is their future as well as your own which you need to factor into your plans.

Your debt levels

Paying off your debt needs to be your number one priority because unless that debt is paid, you have no discretionary spending money.

Your age

This is an important factor. If you are in your sixties then you are not likely to set goals with a 30 year timeline. The young ones have time on their side and speaking from an investment perspective can use time to increase their wealth.

Your health

Your health is an important factor. If a health issue has cropped up then your number one priority has to be to manage it and make the most of your life.

Your career

Your career will influence your priorities. Some couples delay parenthood, instead, preferring to ensure that they are on a good financial footing before they have kids. This is the sensible thing to do. 

Your pets

Any pets you have will mean that you just cannot forget about them and forget about them. You are responsible for their care and well being.

It is certainly a good idea to think twice before taking on new pets because they could be a hindrance to you as far as finding a new job. 

If you are fortunate or smart enough not to have any commitments whatsoever then you will find it easier to gain employment in a new town or province. Most of the commitments listed are choices you make and the consequences of those choices are commitments.

There is a cost to these choices and it is the wise thing to do to take this into account when making decisions.

About this article: You may use this article as content for your blog/website or ebook. The contents of this article are of the writer’s own opinion and may not be applicable to your own circumstances.

www.robertastewart.com

Below: Lake Mapouriki 2 miles south of Franz Josef GLacier New Zealand

Needs Versus Wants

Needs Versus Wants

Written by R. A. Stewart

What is the difference between a need and a want?

To explain it in plain language a need is something we need for our day to day living such as food, shelter, clothing, and utilities, while a want is something we desire but can do without. It is all down to prioritising your spending. 

Even a need is something which you have a measure of control over. We all need clothing but you do not have to purchase the most expensive clothes in order to meet this need. Your local charity shop will be able to supply you with appropriate clothing for a few dollars.

The same applies to food; you can meet this need by taking advantage of the specials in the supermarket and by not wasting food.

Money which is able to be saved by making smart purchases can be put to be used elsewhere. “Better in your pocket than someone else,” as the saying goes.

That does not mean you should just fritter away the money on something which you want.

Some people will try to reduce whatever they spend on a need in order to finance a want, none more so when we are talking about their hobbies and the things they are passionate about. Collectables are a prime example.

When you hear about the collections of some people whether that is dolls, beer labels, or whatever, you think that how can one person finance all of that? Some other area of their personal finances must suffer in order to pay for all of it; that may be travel or retirement savings.

We all have a choice of what we spend our money on at the supermarket and spending that money on good wholesome food is a wise investment. Can you spot any foods on this list that you may leave off your shopping list?

The difference between a need and a want can be subjective; for example a person who is addicted to alcohol, cigarettes, and drugs would categorize these items as needs but these are wants to someone who does not have to deal with these issues.

Needs

Housing

Clothing

Food

Water

Medical needs

Wants

Overseas holiday

Hobbies

Gambling

Expensive clothing

It is important to note that needs vary from one person to another and that your budget needs to be tailored to your own personal circumstances and not copied from someone else’s needs.

Before you spend money on expensive needs such as a vehicle, ask yourself, “What is the least expensive option?”

Purchasing a flash car just to impress your peers and to keep up with the Joneses is a mistake and will cost you in the long run. 

A vehicle may be a need if you require it for transport but it becomes a want if you desire the most expensive model. 

There can be consequences to not having your needs filled. It may result in illness and even death if your medical requirements are not met.

It is all a matter of getting your priorities in the right order and that requires wisdom. You do not have to experience something to know that it is bad for you; you just need to open your eyes and see the experiences of others and learn. 

About this article

Feel free to share this article with others. You may use this article as content for your blog, website, or ebook. 

www.robertastewart.com

The P/E Ratio Explained and Why it matters

Written by R. A. Stewart

The P/E Ratio is a useful tool for calculating a particular share’s performance. P/E stands for Price to Earnings Performance. This tool is a useful guide because it tells us whether a particular share is overvalued or undervalued.

The P/E Ratio is found by dividing the current share price of the company by the dividend per share.

If the company’s share price was $5 and the dividend per share was $1 then the P/E ratio would be 20. 

A company might base its P/E ratio on what it has earned in the past (trailing P/E) or what they expect its earnings to be in the future (forward P/E Ratio).

A higher PE ratio indicates that investors are willing to pay a higher share price today compared to its current earnings.

A lower P/E ratio might be a sign that investors are less willing to pay a higher price for the share compared to its current earnings.

It is important not to get sucked in by a value trap-some companies offer what appear bargains but it is really a sign of financial instability.

A negative P/E ratio means that the company has made a loss. This could be due to expansion-that is when the company sacrifices profits to invest in the company.

However, when a company consistently has a negative P/E ratio it runs the risk of bankruptcy.

Making your investment choices

Which is better, Higher or lower?

Some investors prefer investing in a company with a higher P/E ratio due to its potential for growth while others go for companies with a lower P/E ratio on the grounds that the market has undervalued these companies. A combination of both is often used by investors.

Financial experts say, “You should only compare apples with apples when comparing different companies, P/E ratio.” In other words, only compare it with stocks in similar industries. That being said, if a stock has a higher P/E ratio than its competitors it could indicate that the market believes that it has higher growth prospects than its competitors.

A factor which needs to be considered by investors is that past performance is no guarantee of future performance. There are other factors to consider. A company may have a good year but that may be due to a one off event such as a selling off of assets. The same applies in reverse, a company may have shown a one off loss due to investment into the business.

To Summarise

The P/E ratio is the proportion of a company’s share price in relation to its earnings per share. To work out the earnings per share Divide the stock price by the earnings per share.

About this article

The views expressed in this article are of the writer’s own experience and knowledge and may not be applicable to your personal circumstances, therefore discretion is advised. You may use this article as content for your blog/website or ebook.

Check out my other articles on www.robertastewart.com

Which company shall I invest in 2025

Written by R. A. Stewart

Drip feeding money into the share market is made possible for the ordinary man and woman who would not have considered themselves as investors. The advantage is that it increases their financial literacy and their wealth. I have used a strategy for investing; one that works for me; this is it:

Each year I choose one company, a New Zealand one and I drip feed money into this company throughout the year. That way, I will have bought shares at the lower price when they are down as well as when they are up. This is called averaging.

Some folk might be asking, “Isn’t investing in one company putting all of your eggs into the one basket?

That is a fair question!

Investing in Sharesies is just a part of my personal investment strategy. It is basically a string to my financial bow. I certainly would not recommend anyone to invest all of their money in just one company but to at least buy managed funds or as they are called in America, Mutual Funds.

Managed funds allow anyone of any means to diversify their portfolio across a range of industries. This all helps to minimise risk.

As I said earlier, I am using a strategy with Sharesies to drip-feed money into the share market, one company per year. The stocks I have done this with so far are Genesis Energy, Spark, Fonterra, Fletcher Building, and PGG Wrightsons.

For those who are unaware of what these companies do, Genesis is a power company, Spark, is in telecommunications, Fonterra sells dairy products, Fletcher Building is in the construction industry, while PGG Wrightsons is a retailer selling farm and agriculture products.

All of these companies are considered household names in New Zealand.

Fonterra has been the best performing stock this year. They export dairy products to various countries, namely China. PGG Wrightsons is the poorest performer. I would not have normally invested money in a retailer in this day and age of the internet but agriculture is what is known as a recession proof industry. As long as there is a farming industry there will always be a demand for the products that PGG Wrightsons sell.

Fletcher Building has not done as well as I would have liked. They are an iconic New Zealand company.

Spark is a telecommunications company. It was previously called Telecom. They are a sold company. 

Which company for 2025?

I was thinking of going for a bank, however, all of the major banks in New Zealand are Australian owned and I want to invest in New Zealand companies. I could invest in another power company such as Contact Energy, Meridian Energy or Mercury Energy. 

Restaurant Brands is another option, but I am not too keen on investing in the hospitality industry. Having said that, KFC will always be popular. I could invest in a retirement home. Ryman HealthCare are a retirement home company. This industry has problems attracting staff which has hindered it’s progress. Still, the baby boomer generation are getting to that age when they are moving into these places.

About this article: The opinions expressed in this article are of the writer’s own opinion and may not be applicable to your personal circumstances, therefore discretion is advised.

 

Start investing on a shoestring

Sharesies makes it possible for anyone to get into buying and selling shares. It is an online share market platform where you have the option of purchasing shares in individual companies or in various funds (managed/mutual funds). You can even start with $5. This is a no brainer because it gives investors young and not so young the chance to improve their financial literacy. There is certainly no substitute for experience when it comes to learning and this is applicable to everything else, not just investing.

Join sharesies here: https://sharesies.nz/r/377DFM

Dead Money will cost you

What is dead money?

Written by R. A. Stewart

 

What is dead money?

It is money which is spent on something which does not provide anything of value to you.

Interest paid on consumer debt falls into this category. It is dead money because interest does not provide any tangible value to you. Some may argue that interest paid on a mortgage on a property provides some value because the value of the property increases at a greater rate than the interest on the mortgage.

A fair point but falling house prices have meant that some houses have negative equity on them. All the more reason for you to reduce that mortgage as quickly as possible, more so when the mortgage interest rate is low.

Dead money can also be money which is locked away in an investment for very little return. An example of this is money just simply left in a savings account for a period of time. Inflation and the tax payable on the paltry interest means that your money is losing its value over a period of time. The only money which is left in an account such as this is money which is needed in the short term.

Just stuffing your money under the mattress is another form of dead money for the same reason as leaving it in a low interest account and this is because it is not earning any money.

If you think that just leaving money lying around is foolish enough most people own stuff which is worth money and if this was sold the money could be earning an income through shares or other investments. Most people own stuff which can be converted back into cash and put to work for them. Anything which is no longer needed and is just gathering dust fits this category.

It is important to know the difference between an asset and a liability. An asset increases your wealth but a liability is a drain on your finances.

Some investors consider the equity in their home as “dead money”. It all depends on where you are coming from because there is a clear choice between having equity in your home or having a debt. I recall someone told me years ago that he knew someone who took out a mortgage on his home to purchase shares then Black Monday took place. For younger people, the 1987 sharemarket crash which occurred during October of that year was named “Black Monday.”

After the crash his shares were worth a lot less than the loans owing on them. 

At the end of the day that is the risk with investing for capital gain and investors must weigh up the risks of losing their capital against the likely rewards. 

If you have some spare cash lying about doing nothing and you are wondering whether or not you should invest it in something risky but has the potential to grow the one question you should be asking is “What is this money for?”

Only then will you know whether this is money you should be taking risks with.

About this article

This article is the opinion of the writer and may not necessarily be applicable to your personal circumstances therefore caution is advised. You are welcome to use this article as content for your website/blog or ebook. Feel free to share this article.

Www.robertastewart.com

7 Differences between a good and bad money manager

7 Differences between a good and bad money manager

Written by R. A. Stewart

The only reason why there are different outcomes in life is because people make different choices.  Therefore if you want to change a particular outcome you need to make different choices. The earlier in life that you start to make good choices the better your life will turn out to be.

Here are seven differences between a good money manager and a bad money manager. 

A good money manager will:

  1. Save something from their pay packet while a bad money manager will spend everything so that they have nothing to show from their labours. Saving a portion of what you make will make your life easier in the long term because you will have something to fall back on when some unexpected bill crops up.
  2. Invest their money while a bad money manager just leaves their money in an ordinary savings account waiting for it to be spent. A good money manager develops their financial literacy by participating in the markets while investing. There is a cost to ignorance and this is true with matters of personal finance.

a bad money manager remains financially dumb because they do not improve their financial literacy by participating in the markets.

  1. Read books on money management and personal finance. A good money manager will improve their financial literacy by reading books on personal finance. A bad money manager remains financially dumb because they do not improve their financial literacy by participating in the markets.
  2. Learn from their mistakes. A good money manager will acknowledge their mistakes and learn from them. A bad money manager will not acknowledge their mistakes and will repeat them over and over again.
  3. Have a vision. Good money managers have a plan for the future. A bad money manager looks no further than the next payday. Having a vision means that you are prepared for unexpected expenses when they crop up. Having a separate account for emergencies is an example of this. This is often referred to as a rainy day fund.
  4. Take responsibility for their decisions and do not blame others for their mistakes.

Some people make it a habit to blame others when things don’t go well for them as is often the case in life. They will ask others for advice and when they follow it there will be someone to blame if an investment does poorly.

  1. Make wise choices.

This is not necessarily in relation to what someone does with their money but major life decisions such as the decision to have kids and how many kids to have and what to spend their money on. Rich people use their discretionary money to build their wealth while poor people fritter their money away on consumables. The only way to build your wealth is to spend less than you earn and invest the surplus. This is a simple formula which has made others wealthy. 

About this article: You may use this article as content for your blog or website. Visit my site www.robertastewart.com for other articles.

If you like this article then maybe you will like this ebook

 

How to Fight High Grocery Prices

How to Fight High Grocery Prices

In recent years, grocery prices have been rising steadily, squeezing household budgets and forcing families to find creative ways to make ends meet. The reasons for these price hikes are varied, from global supply chain disruptions to inflation and changes in consumer demand. Regardless of the cause, there are practical strategies that anyone can use to reduce their grocery bill without sacrificing quality or nutrition. In this article, we’ll explore several effective ways to fight high grocery prices.

1. Create a Budget and Stick to It

The first step to controlling grocery spending is to set a budget. It’s easy to overspend when you don’t have a clear plan for how much you can afford. Start by reviewing your monthly income and expenses to determine a reasonable amount for groceries. Be realistic, but also challenge yourself to spend less than you normally would. Once you’ve established your budget, stick to it as closely as possible. Keeping track of your spending will help you stay accountable and allow you to make adjustments as needed.

2. Meal Planning and Batch Cooking

Meal planning is one of the most powerful tools in fighting high grocery costs. Plan out your meals for the week before heading to the store. Focus on recipes that use similar ingredients, so you can buy in bulk and avoid wasting food. This also prevents impulse purchases and last-minute takeout, both of which can strain your budget.

Batch cooking is another strategy to save money and time. By cooking large quantities of food at once and freezing portions for later, you reduce the need for frequent grocery trips and take advantage of bulk buying. For instance, you can prepare a large pot of chili or soup and freeze individual servings for easy meals during the week.

3. Shop Sales and Use Coupons

Taking advantage of sales and using coupons can make a big difference in your grocery bill. Many stores offer weekly deals, which you can find in their flyers or online. Focus on buying items that are on sale, especially non-perishable or freezable products like canned goods, rice, pasta, and frozen vegetables. Stock up when your favorite products are discounted.

Coupons can also be a great tool if used wisely. Many grocery stores have loyalty programs or apps that offer digital coupons. Clip the ones that are relevant to your needs and combine them with store sales for maximum savings. However, avoid the temptation to buy something just because you have a coupon if it’s not something you actually need.

4. Buy in Bulk – But Smartly

Buying in bulk can lead to significant savings, especially for pantry staples such as rice, flour, pasta, and canned goods. However, be cautious not to overbuy perishable items that might go bad before you have a chance to use them. Bulk purchasing works best for products with long shelf lives or items you use frequently.

Shopping at warehouse stores like Costco or Sam’s Club can be helpful, but it’s essential to calculate the cost per unit to ensure you’re actually saving money. Sometimes, smaller packages at regular grocery stores on sale may be cheaper than the bulk version at a warehouse.

5. Embrace Store Brands

Store or generic brands often offer the same quality as name brands but at a much lower price. In most cases, the difference in taste or quality between generic and brand-name products is minimal, especially for staples like pasta, rice, canned vegetables, and household supplies. By swapping brand-name products for store brands, you can significantly cut your grocery bill without sacrificing quality.

6. Reduce Food Waste

A staggering amount of food is wasted each year, and reducing food waste can have a direct impact on your grocery costs. To avoid throwing out spoiled food, make an effort to use what you already have before buying more. Leftovers can be repurposed into new meals, and nearly expired fruits and vegetables can be used in soups, smoothies, or baked goods.

Organizing your pantry and refrigerator can also help reduce waste. Keep older items in front so you’ll use them first, and label leftovers with dates so you don’t forget about them.

7. Buy Seasonal and Local

Seasonal produce is typically cheaper than out-of-season options because it’s more abundant. Learn what’s in season in your area and build your meals around those items. Additionally, shopping at local farmers’ markets can often result in lower prices for fresh produce, and you’re supporting local growers in the process.

8. Consider Substitutions

If a recipe calls for a pricey ingredient, consider cheaper alternatives. For instance, if a dish requires fresh herbs, you can use dried herbs or even frozen ones, which are less expensive and have a longer shelf life. Similarly, beans can replace meat in certain recipes, providing protein without the high cost.

Conclusion

Fighting high grocery prices requires planning, discipline, and a willingness to make small changes. By setting a budget, planning meals, shopping smart, and reducing waste, you can significantly cut your grocery expenses. These strategies not only help save money but also promote a more sustainable and mindful approach to grocery shopping, allowing you to navigate rising prices with greater ease.

Www.robertastewart.com

Elder Abuse: what it is

Elder Abuse: what it is

Written by R. A. Stewart

Elder Abuse may be a term you may not have heard of. It is a term that is being used more frequently than in the past so what does it mean?

It is when someone who is of the older generation is being taken advantage of. The abuse may not need to be of a financial nature. As with all kinds of abuse it could come in a number of forms; financial abuse

Not repaying loans

Unauthorised taking of money or other assets

Scams that rely on developing a relationship with the older person with the intention of taking their money and assets. Dating scams is an example of this.

Use of home without contributing to the costs.

Psychological abuse

This comes in many forms and could be threats, intimidation, and hostility.

Control

This can be making decisions on the behalf of the elder person or taking authority over their everyday life.

Isolation

Lack of affection

Ridicule, humiliation, and general put downs.

Physical

Intimidation

Threats of violence

Neglect

This could be neglecting the physical and emotional needs of the person.

Abandonment

This could be someone who is responsible for the care of an older person not fulfilling their obligations.

Many victims of Elder Abuse do not speak about what is happening because they are dependent on others for support. Low self-esteem is another reason why incidents are not reported by victims of elder abuse.

Elder Abuse victims are not necessarily in their eighties or nineties; they could just as easily be in their fifties or sixties and being young does not necessarily mean that you are immune to Elder Abuse. It is not recognised as such in the younger generation.

Those who like to control others will employ the same strategies irrespective of the age of their victims. They will:

  1. Use pets to control others.

Many people in bad relationships stay in the relationships for fear of something happening to their pets. They feel as though they are held hostage and are unable to escape from their situation.

  1. Intimidate their victims

Control Freaks use intimidation as a tool to gain power over others and as a result it leaves victims very down trodden and with a low self-esteem.

  1. Isolate others

Controlling people will isolate others from the outside world leaving them with no means of communication with others. 

  1. Financially controls

Controlling people will keep those that they control financially dependent on them and this makes it hard for victims to leave the situation. 

There are organisations available to help those who are victims of elder abuse. It is just a matter of finding the courage to pick up the phone or to tell someone.

About this article

You may use this article as content for your blog or website. Feel free to share it with others.

Read my other articles on www.robertastewart.com

 

“Retire with Little Money” is your practical guide to achieving a comfortable and stress-free retirement on a limited budget. This ebook covers strategies to maximize your savings, reduce living costs, and make the most of available resources. From affordable housing options and healthcare savings tips to part-time income ideas and smart budgeting practices, every chapter is packed with actionable advice. Whether you’re approaching retirement age or just planning ahead, this guide will help you create a lifestyle that balances financial security with the freedom to enjoy your golden years. Embrace retirement confidently, even without a large nest egg!

 

If you enjoyed this article, maybe you will like this ebook, “Retire with little money.” Click on the link below to obtain your copy.

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3 Reasons why people do not get ahead

3 Reasons why people do not get ahead

Written by R. A., Stewart

We have heard the term “Cost of living crisis” a lot in the past few years with people struggling to make ends meet. The government is often made the scapegoat for all of this; whether it is the government’s fault or not,  taking responsibility for your own money management and the choices you  have made is the only way you will get ahead in life. There are three main reasons why people do not get ahead. Each one is explained further. I have written this with the intention of not mincing my words.

  1. Lack of vision

Life is for living but it is not cheap. Whether you are buying a car, enrolling for further information, getting married, having kids, taking out a mortgage, or retiring, being prepared financially for all of life’s stages requires saving. Having the vision to prepare for all of this will enable you to cope with the expense. A person without vision will spend their money as if there is no tomorrow. Living from one payday till the next without any thought for the future. This kind of attitude will lead you to the poorhouse.

  1. Lack of planning

“If you fail to plan you plan to fail,” as the saying goes. Making a plan for your money and putting it to work for you requires vision and discipline. It will help you to get the most out of your money. You need to decide what you are saving for and deposit that money in the appropriate account. A person without a plan is like a person on a life raft; they will go wherever the waves take them. They will spend everything they have then when some unexpected bill crops up they will borrow the money and put it on the credit card. There is a cost to this and it is called interest. 

  1. Lack of financial literacy

This has to be the number one reason why people have poor financial outcomes. A person with no financial literacy will make poor financial choices which eventually lead to poverty. Getting paid more is not a solution to poor money management skills. Getting financial education is easy and you don’t have to spend a fortune on books; your local library will have books on budgeting and investing. You will be able to find such books at your local charity store for a couple of dollars.

About this article

You may use this article as content for your blog or website. The opinions expressed are of the writer and may not be applicable to your personal circumstances, therefore, discretion is advised.

www.robertastewart.com