Ashley's blog

Ashley Shepherd is the founder and managing director at Over50choices. With over 30 years’ experience in financial services, he has held senior roles in building societies, banks and insurance companies.

Ashley Shepherd
Expats in Spain living the good life Image
22nd Apr 2018

Expats in Spain living the good life

More than 120,000 (some 40%) of these British expatriates have chosen to retire there since they are aged 65 or over.nbsp;What kind of life are they living? A very good one by all accounts.nbsp;nbsp;The Expat Insider Report for 2017 offers some of the clues as to why that might be.

Equity Release myths debunked Image
22nd Apr 2018

Equity Release myths debunked

Equity release schemes have received their fair share of bad press in the past. Any comment to the effect that they might not be for everyone has been seized on as meaning that they are really for no one - these and other myths are just that ndash; simply not true.

Why make a Will? Image
22nd Apr 2018

Why make a Will?

If you do not write a Will, you have no control over what happens to your estate ndash; all your possessions, property, and money ndash; after you die. Without a Will, you are said to have died ldquo;intestaterdquo;, and your surviving relatives and friends are likely to be left with anguishing decisions ndash; not to mention time and hassle ndash; about the distribution of your assets.

More bad press for ‘Cheap Prepaid Funeral Plans’ Image
20th Apr 2018

More bad press for ‘Cheap Prepaid Funeral Plans’

A report exposing how cheap funeral plans can leave families with more to pay has hit the headlines again today threatening to tarnish the funeral plan industryrsquo;s reputation however this is not necessarily a bad thing.nbsp;

Rip off energy bills coming to an end? Image
16th Apr 2018

Rip off energy bills coming to an end?

It is always welcome news when a government carries through on one of its election pledges ndash; especially one that is likely to affect millions of ordinary people.

Long term care pensions Image
10th Apr 2018

Long term care pensions

Once you pass the age of 60 your worries are likely to be less about the inevitability of death, but the extent, length and cost of long-term care as you enter old age.

Car insurance renewal due? Don't get caught out! Image
05th Apr 2018

Car insurance renewal due? Don't get caught out!

If you own or drive a car, your current motor insurance expires sometime this year. When the renewal letter drops through your letterbox, you are almost certain to be greeted with the unwelcome news that you are going to be paying more.

Health insurance and your holidays Image
24th Mar 2018

Health insurance and your holidays

Beware, however, that all the benefits of your medical insurance plan are unlikely to provide any comfort or security at all once you travel abroad on business or on holiday.nbsp;

Can I use my home as my pension pot? Image
20th Mar 2018

Can I use my home as my pension pot?

The simple answer to that question is yes you can ndash; and there are plenty of homeowners who bear witness to the fact.nbsp;Although a more recent report by retirement specialists Advantage found that fewer people in the UK are considering using their property for an income in retirement.

How do I cope with grief? Image
15th Mar 2018

How do I cope with grief?

The death of someone close to us typically releases very personal emotions. Coping with grief is likely to vary considerably from one person to another and from one time to another.

Does home insurance cost less when you're over 50? Image
07th Mar 2018

Does home insurance cost less when you're over 50?

Certainly, cheap home insurance does not have to be a thing of the past simply because you have reached your 50rsquo;s

Later life planning Image
28th Feb 2018

Later life planning

In the latest figures released by the Office for National Statistics (ONS) - a man now aged 65 may expect to live a further 18.5 years and a woman 20.9 years. 20 years of life in retirement may prove difficult for many people to fund.nbsp;

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