MobileMagpie.co.uk, a new mobile phone recycling comparison site, was recently launched in response to market research – conducted on a sample of over 2000 people during July 2010 – which found that:

- Nearly half (48%) of people were not even aware of the ability to recycle their mobile phone;

- Only 28% of people had thought about recycling their mobile phone when they got a new one;

- Just 11% had ever actually recycled a mobile phone;

- 4% had recycled more than one;

- Of those that had recycled a mobile phone, only 13% had used a comparison site.

The feedback received about their experiences with mobile phone recycling websites, and the existing comparison websites, was mixed; whilst most people found the comparison websites helpful from a value-for-money perspective, they also found them confusing, visually ‘busy’ and difficult to navigate.

Users of the mobile phone recycling websites were generally happy with their experience, but suffered from a level of dissonance post-transaction due to their inability to evaluate whether or not they got a good deal.

MobileMagpie.co.uk was inspired by this feedback, and modelled on the internet search engines like Google and Bing, who remove any complexity in finding what you want. The Mobile Magpie website is deliberately simple; users visit the site, type in their mobile phone make and model, and a comparison table is generated. They click on their chosen recycler and get taken to their website to complete the transaction.

Commenting on the research findings, Sharon Thomas (Managing Director or MobileMagpie.co.uk) said, “We were surprised that so many people still don’t realise they have the ability to recycle their old mobile phone handsets. Not only are they missing out on an opportunity to make some money from their old phones rather than leaving them gathering dust at home, they are also missing an opportunity to help the environment”.

MobileMagpie.co.uk encourages phone owners to recycle their old handsets, and helps them maximise the cash they generate in the process, by comparing prices from over 20 mobile phone recycling websites.

For more information, visit www.MobileMagpie.co.uk.

When you start your search for the best annuity rates one of the places you will need to visit is an annuity supermarket. Shopping around on the open market will mean comparing providers and this is where an annuity supermarket can help.

The open market option was introduced to allow you to take your pension pot from your existing company and see if another provider could offer you better annuity rates. This was an opportunity for specialist annuity supermarkets to spring up and offer a bespoke service to those retirees shopping around.

There is a massive difference between the annuity rates of the best and worst providers for any given circumstances, as an example: For a male age 65 retiring on a single life level pension with no other options and a fund of 100,000 after tax-free cash; there are 9 annuity providers that will quote for this annuity, the best annuity rate is 6,674 per annum and the worst is 5713 per annum which is 961 (16.8%) difference each year.

An annuity supermarket will do the shopping around for you. They have access to all the annuity providers including the ones that do not sell direct to the public. After conducting a short questionnaire with you to establish your requirements they will research the whole of the annuity market and find the provider that pays the highest annuity rates.

Another thing the annuity supermarket will do is check if you may be entitled to enhanced annuity rates; these are rates that are available to those that have lifestyle or medical conditions that affect life expectancy. If life expectancy is affected then the provider will not have to pay the annuity for as long as a standard life therefore they can give higher annuity rates. We have already seen the effect of choosing the wrong provider and how it can affect your income. Enhanced annuity rates could take the income increase to around 30% with mild medical conditions or smoker rates.

Use an annuity supermarket to get you the best annuity rates from the whole of the market. You only get once chance to purchase an annuity so you need to make sure you make the right choices.

Visit us and find out more about our annuity rates and more on the best annuity rates

Once you reach the golden age of retirement you need to use the pension fund you have saved to buy an annuity. The best annuity can be found by using an annuities calculator and then enlisting the services of a financial adviser.
Using an annuities calculator is very simple; they are designed to help you work out which of the many options within annuities are suitable to you and your ambitions in retirement. I guess first of all it would be wise to look at

what the annuity options are:
• Frequency of income
• Income paid in advance or in arrears
• Increase in Payment (Escalation)
• Partner’s Pension
• Tax Free Cash
• Guarantee periods

Any one of these annuity options can be calculated using the annuities calculator to help you find the best annuity. Before you make any calculations you first of all need to enter your personal details, such as date of birth, amount of pension fund etc. Once this information is added then you can add or delete the options as required and each time the annuity calculator will give you the retirement income output.
An example of the results the annuity calculator will produce for you. Imagine you are a retiring male aged 65 and you have a pension fund saved during your lifetime of 100,000, you also have a spouse the same age. Using the calculator you can add your personal details and then see the effect of adding or deleting annuity options.

An example illustration:100,000 after taking tax-free cash, level pension, monthly, paid in advance, with no escalation in payment, no spouse pension and no guaranteed payments; produces an annual income of 6,674. Using the annuities calculator you can quickly calculate the difference in income if you added a spouse’s pension paying 50% of the income on your death. The result produced in seconds is an annual income 6,120 a reduction of 554 per annum.

The advantages of using an annuities calculator to help you find the best annuity are clear. You should always seek independent financial advice before making an annuity purchase.

Visit us and find out more about our annuities calculator and more on annuity

It never fails to amaze me how many people do not shop around for their retirement annuity. It is reported that two thirds of retirees do not shop around to find better retirement annuities.

Every retiree has the right to the open market option and to take their pension pot to another provider if they can provide a better retirement annuity. The majority of people shop around for car and house insurance but for some reason not their retirement income. Let’s take a look at a simple example and see what using the open market can produce: Take a 65 year old male, with a 50,000 retirement fund. He wants to purchase a single life level annuity; he is a smoker and has mild health problems.

If he bought his annuity from his current provider he would receive an annual income of 3,422 (6.84%). By shopping around as a smoker he could achieve from another annuity provider an annual income of 3,793 (7.58%). This is a whopping increase and the difference of 371 per annum, if he lived 20 years after retirement he would have had an additional 7,420 of income to spend.

The same 65 year old also has mild health issues and takes prescribed medication to control it. Using the open market option he could receive an annual income of 4,467 (8.93%). This is a staggering difference to the base annuity he would have received from his pension provider had he not bothered to shop around. The difference in annual income is 1,045 and again if he lived 20 years after retirement then he would have had 20,900 of additional income.

The above are based on sample assumptions regarding medical or lifestyle conditions and you should obtain personal illustrations for your own circumstances. The figures demonstrate that the open market option can add significant value to your retirement annuity.

Visit us and find out more about retirement annuity and the open market option

What you do in retirement depends on your interests, your means, and your health. It used to be the word “retirement” meant that you spent the rest of your years gardening, growing tomatoes and digging the weeds. Nowadays, “retirement” is really a misnomer; it can be one of the most productive, fulfilling times of our lives.

One of the important things to think about and indeed one of the most worrying subjects for retirees is how will you manage your income in retirement. There have been recent reports in the press stating that worrying about finances is making many retired people unwell.

The important thing is make sure before you retire that you ensure you plan your finances, make sure if you are buying an annuity with your pension that you get the best annuity rates you can. The shocking statistic is that 62% of retirees do not even shop around to find the best annuity; instead they just return the paperwork to their existing pension company.

Shopping around and using the open market option can increase your retirement income by as much as 60% if you have serious health problems and it is not uncommon to get an additional 17% by just shopping around in the first place. The difference in retirement income between the best and worst annuity providers can be significant.

If you use a financial adviser he/she will also check to see if you qualify for enhanced annuity rates. Enhanced annuity rates can be obtained even for Body Mass Index (BMI), which is height and weight to you and me. A financial adviser will use an annuity calculator to find you the best annuity rates; they also have access to annuity rates not available to the general public through specialist annuity firms.

If you want life after retirement to be the life you deserve then make sure you get the best annuity rates. Use a financial adviser and your right to the open market option.

Visit us and find out more about annuity and the best annuity rates

Did you know that every year over 400,000 people buy an annuity? Unfortunately two thirds of these people just accept the annuity offered them by the insurance company they saved their pension with.

According to life assurer MGM Advantage’s Annuity Index, a man retiring at 65 with a pension pot of £50,000 would receive an estimated £3,575 extra for the first five years of retirement – £715 each year – if he qualified for an enhanced annuity.

Enhanced annuities are available to people with lifestyle choices or certain medical conditions and in extreme circumstances can get an annuitant up to 60% more income.  Many annuitants qualify by simply smoking more than 10 cigarettes per day or by their Body Mass Index (BMI) which in simple terms is height and weight.

According to Just Retirement one of the leading enhanced annuity providers there are over 1500 conditions which on their own or in combination qualify for enhanced annuities. To illustrate the enhancements here is a client scenario provided by Just Retirement.

David is a smoker; averaging 10 cigarettes per day so would qualify for a smoker annuity. His annuity adviser has completed a medical information form and on further investigation it was established that David is overweight and taking prescribed medication for high blood pressure and high cholesterol. The annuity was underwritten by Just Retirement and qualified for a 40% enhancement over standard open market annuity rates.

Kevin Stelfox, sales director at independent financial adviser Retirement Solutions, says more than 50% of the firm’s annuity business is on enhanced terms. “This isn’t because we deal with more unhealthy annuitants than anybody else, it’s more around our ability to ask the client the right questions about their lifestyle and health”

These are some of the conditions that might get you a better rate for your annuity.

• Blood Pressure
• Diabetes
• Obesity (we’ll ask for your height & weight)
• Postcode and Occupation combination
• Stroke
• High Cholesterol
• Asthma
• Cancer
• Smoking (manufactured cigarettes 10 per day for the last 10 years, pipes, cigars, rolled tobacco)
• Heart Conditions
• Emphysema
• Rheumatoid Arthritis
• Parkinsons Disease
• Alzheimer’s

To find out if you qualify for enhanced annuity rates speak to your adviser or seek help from a specialist annuity desk.

Find out more about Enhanced Annuities and Enhanced Annuities rates visit http://www.annuitysupermarket.com

The Premier League season kicks off on Saturday 14th August 2010, and with it does the hopes and dreams of thousands of Fantasy Football managers across the country. It’s never too late to enter however, to be in with a realistic chance of winning you really need to be in there for the start, and with the lunchtime kickoff  between  Tottenham Hotspur vs Manchester City, there’s not much time left.

Register for Fantasy League Classic

The day before the start of the season sees peak traffic on the Fantasy football websites, with the major fantasy leagues, such as the fantasy league classic reporting thousands of entries. The transfer window may not be closed, but in terms of fantasy football, all the deals have been done to get your winning team for 2010. The obvious winners to select like Drogba and Lampard will be the favourite players, however, they key to being at the top of the league will be to look for the unlikely bargain players, for example, possibly players playing out of position so to speak, for example look at the impact defender Gareth Bale had last season when he was put on the wing. here’s sure to be a few midfielders who’ll get the chance to play up front as well.

The original Fantasy League is now entering it’s 20th season, at fantasyleague.com and with £75,000 in prizes, and an entry fee of just £10 you know you’re getting a fun filled season, with massive competition from this professionally run website. There’s still time to register your team, but you sure need to be quick, and give a bit of thought to juggling your team around with the limited budget, use your transfers wisely, and you could well be on your way to a gratifyingly successful and prize winning season.

It is not possible for a company to sustain with limited number of handsets, therefore, that has to launch many handsets as people can pick according to their wish.

If people would have many choices then they can pick best device to meet their requirement. Almost all the handset makers offer a rich collection of handsets and out of those, you can opt per your wish.

If you want best mobile phones then look through htc collection. It comprises many high end gadgets which are meticulously made and help in every sphere of life no matter if it is photo capturing, video recording, listening music, playing online games or watch movies.

To get such kind of gizmos dealers and retailers offer various
mobile phone deals which are specially made to get capable devices as cheap mobile phone deals. Moreover, those can get free gifts without extra expense.

Htc mobile phones are easily available in UK electronics market and you can buy those with best mobile phone deals. Such kind of deals can earn free instrument like LCD tv, DVD player, gaming console, refrigerator or anything else that your wife was demanding for long period of time.

Gifts vary with shops, thus, you need to lock the right deal with appropriate store. To locate congenial store, you can visit market or take help from web portals. There are enormous web portals available on internet which can get desired product at threshold in a very easy way.

For online shopping, you have to sit at home and place order. All the portals cater round the clock, therefore, you can place order anytime. After placing order, you do not need to wait for long, ordered device will reach as soon as possible. Teams of websites are trained in home delivery and do not let face any kind of problem.

Choice Paid Surveys offers users the opportunity to quickly and simply earn money by taking surveys.

Choice Paid Surveys is the Internet’s number one site for surveys. Registration is free and allows the user access to many surveys that each only takes a few minutes of their time.

Each survey that a user takes earns them points. The points are essentially equivalent to dollars. Every 10 points will earn the user $1. Once 200 points has been reached, the user will be able to trade them in for cash or vouchers for reputable retailers such as Amazon, iTunes, Xbox Live or ASOS.

Users can also earn points for referring others to Choice Paid Surveys through their individual referral link. Each survey that a user’s referred person takes earns the user two points.

Gift cards or vouchers are sent at the end of the month. If the necessary information is complete and accurate, points earned one month will be redeemed the next month in most cases after the point threshold has been reached.
To register you must be at least 18 years old or 13 years old with parental consent, give accurate information and may only sign up once with one e-mail address.

To learn more about Choice Paid Surveys and its terms, visit them online at http://www.choicepaidsurveys.com

People get money when they get monthly salary. Only then, they can spend money for communication. So, go for contract deal and enjoy calling for whole month without any disturbance.

If you want own best deal at achievable price then we recommend to go for orange sim only. Orange is one of the best network providers of UK. Its services are better and subscribers do not feel any kind of hassle with it. Its coverage area is wide spread and does not let you alone anywhere, no matter where you are.

To buy orange sim, you can visit dealer or retailer. In case, you do not want shop with any of the store and want scheme at threshold. Then buy online, the process of online shopping is hassle free and you do not meet any kind of obstacle. Just place order anytime whenever feel easy as all the portals cater round the clock.

If you do not like sim only deal then you can go for pay monthly mobile phones. Such phones are being offered by leading network operators of UK including vodafone, virgin, orange, o2, three and t-mobile. We would feel pleasure to tell you that both these deals are meticulously made and help talk for long period of time. Therefore, such deals come in the category of best deals on mobile phones. As sim only deals, pay monthly mobile phones can also be bought online.

If you will buy with right online shop or store then you can earn extra devices like travel bag, juicer, kitchenware, digital camera and much more. Shopkeepers offer different gifts, thus, you need to lock the deal with appropriate store.

Pay monthly mobile phones are great for those people who do not travel frequently because with such kind of phone they stay tension free for more than a year as well as pay bill at fix time. Like sim free mobile phones they do not need to buy minutes before calling. If you feel satisfied with contract then you can extend it with mobile upgrade. Such upgrade is easily available and you can buy without any restriction.

Free Mobile Top Up