280 January 2018 - Gryffe Advertizer

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22 the advertizer IT Blog with Colin Fyfe of Colcom I wrote here recently that Microsoft were due to release a large update for the Windows 10 operating system, dubbed the Fall Creators Update, it would be a cure-all for the bugs and security glitches that the operating system has, generally, done well to negate. The update landed a couple of months ago now with all the bells and whistles that these updates come with these days, a polite reminder here and an over-friendly welcome message there. After the faffing about, the update procedure would take a couple of hours, or for the unlucky ones with an un-desirable anti-virus programme or a peculiar driver requirement, a whole evening. The resulting update, if successful, left the machine no better off to look at although I believe there are slight performance improvements throughout the operating system. These improvements are, to many of my clients, completely undone by the update’s damage to their Office program or the fact that they can no longer access their computer at all. Windows 10 will update itself, there is little you can do to stop it. As polite as Microsoft may pretend to be, it has a heads-down approach to ramming updates your way – look out. Happy New Year, Colin Financial Blog by Carl Melvin, Affluent Financial Planning Ltd Pension Annuities – Pros & Cons Annuities provide an income for life, so why don’t more retirees opt for an annuity? Annuities have fallen out of favour as low interest rates mean a lower income is on offer. However, annuities can still be attractive to some individuals. So, what are the advantages and disadvantages of this option for your pension fund? Advantages • Simple and easy to understand • Offers a fixed and secure lifetime income – the income will never run out, however long you live. • Available for pension funds of all sizes. • No need to review, not affected by stock market and no investment risk • You could get more income if you have poor health and/or you are a smoker Disadvantages • Annuities can be inflexible • Inflation proofing can be expensive • Cannot be passed on to your beneficiaries as a lump sum (unless you buy capital protection) • Widows benefit must be chosen at outset and is lost if your spouse dies before you • You don’t benefit from stock market rises • Annuity rates are generally perceived to be low. This information is not financial advice. If you require advice you should consult a professional adviser. The first meeting is normally free and there is no obligation. Call us for a FREE financial review on 01505 59 50 60 or email info@affluentfp.co.uk. Alternatively, pop into the Affluent office opposite Amaretto restaurant on Main Street, Bridge of Weir. www.affluentfp.co.uk NEW YEAR - NEW BUSINESS! Want to start a business but not sure where to turn or how to do it? Business Gateway Renfrewshire can give you practical help, advice and support for new and growing businesses in Scotland. Contact us on 0141 530 2406 or on Facebook www.facebook.com/bgrenfrewshire/, or visit the website at www.yourbusinessgateway.co.uk t: 01505 613340 e: info@advertizer.co.uk
january <strong>2018</strong> 23 @<strong>Gryffe</strong>Ads www.advertizer.co.uk
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