• Majority of bank accounts pay 0.1% interest or less

• Britons are losing £160 billion in interest to the banks

• £108 is the average interest return paid by the banks per year

• £2,640 is the average interest return paid by Loan Note investments per year

As a nation, we have never been in this much debt. The bankers are destroying our retirement funds. They’ve been the only winners since interest rates were cut back in 2009.

Britons with cash savings are now losing £160 billion in interest due to current rates, and that equates to ‘£6,000 per UK household’.

Savers are up in arms. The Government is turning a blind eye. Banks and building societies are making themselves fat by not paying us interest. No wonder disgusted savers are now investing in alternative investments like Loan Notes.

New wave of alternative investments shaming banks with solid returns

Savers are taking the decision into their own hands, and choosing fixed return investments that they can actually rely on.

An article in the Guardian stated that “loose monetary policy has ‘annihilated’ returns on cash”. To protect themselves, banks have thrown savers to the wolves.

After all our hard work and sacrifice during the global financial crisis, protecting their jobs and businesses, this is the thanks we get. Lord William Hague warned the Bank of England that savers were finding it “impossible to earn a worthwhile return”, and would eventually revolt. He was right.
Thousands of people are turning their backs on greedy bankers and are now placing their savings in secure, alternative investments such as Loan Notes. With fixed returns of up to 15% per annum, you can be rest assured your money is safe and growing.

Greater returns, fixed interest rate, secured investment

Gone are the days when you could rely on the interest from your savings to see you through retirement; one in four workers now expects to work past retirement age due to rock-bottom interest rates. But should you settle for that?

Widely known as the investment firm, Lord Sugar described as one of the top in London. Hunter Jones only introduce the very best investment opportunities which are asset backed and come with an easy exit strategy. They don’t want to waste anyone’s time or attention with opportunities they don’t believe in.

Whilst other investment opportunities tend to be a little vague about what your money is used for, with Loan Notes, your investment is used for a defined project with a specific end date. You know exactly where your money is, and exactly what it is being spent on. You will also benefit from first and only legal charge over the property.

You can be sure your return from a Loan Note investment opportunity will transcend the pitiful interest from your bank/building society savings account.

Lower back pain is an incredibly common complaint. In fact, it is estimated that up to 85% of the population will experience some sort of back pain in their lifetime.

But did you know that a massive 80% of all back problems are caused by sitting in an unsupportive chair? With many of us spending so much time in poorly designed office chairs, it’s hardly surprising that so many of us suffer from back pain.

It is, however, possible to help prevent back pain at work, simply by ensuring that you’ve got the appropriate amount of back support whilst you’re at your desk.

Ergonomic Chairs

Standard office chairs are manufactured on a one size fits all basis, meaning that, whilst they may provide the necessary support for some, most individuals will eventually experience some sort of back problems from sitting in them for an extended period.

There are, however, a whole host of ergonomic office chairs on the market that have been designed to provide optimum support during long periods of sitting down. Fully adjustable and customisable to accommodate an individual’s height, spinal curvature, and desk set up, ergonomic office chairs can provide enhanced lower back and lumbar support, improved comfort, improved posture, and more.

Back Support Cushions

But, if you don’t want to invest in a brand new, ergonomic chair, you might want to consider a back support cushion that can be used with any chair, applying a light, soft, and adjustable back support that will provide gentle pressure relief for your back.

What’s more, this method of support is also easily transportable, so you can take it everywhere you go. A back support cushion will make any chair more comfortable and can be used on your work chair, car seat, dinning chair, sofa, or even when you’re travelling.

Other factors

Standing

One way to rid yourself of an unsupportive chair is to remove the chair from the equation completely. Standing at work is gaining increasing popularity and some Japanese companies have even ditched their desks entirely.

However, it’s worth noting that The Cornel Human Factors and Ergonomics Research Group has highlighted that standing at work all day can, in actual fact, cause health issues as well. Standing for long periods is not only more tiring, but it can also substantially increase the risk of carotid artery disease and varicose veins.

Movement

No matter how comfortable or supportive your office chair is, the fact is that the human body simply isn’t designed to sit in any one position for hours on end. With this in mind, it is incredibly important to get up and move around as much as possible during the course of the day. Many experts now recommend micro-breaking – taking short, regular, and meaningful breaks from sitting at your desk, whilst building movement variety into the working day.

Variety

Although its not always possible, some experts recommend one specialist chair that adjusts to support a variety of positions which can adjust the angle of the seat & backrest, plus adjustments in lumbar height & depth. Mix this with sitting and standing throughout the day rather than sitting all day and take regular standing/walking breaks at least once per hour for a few minutes. A mobile back support for on the go support on any chair you sit on is also strongly recommended.