spell_tro

29 Flips | 6 Magazines | @spell_tro | Keep up with spell_tro on Flipboard, a place to see the stories, photos, and updates that matter to you. Flipboard creates a personalized magazine full of everything, from world news to life’s great moments. Download Flipboard for free and search for “spell_tro”

Top 5 alternative New Zealand road trips

<i>Who can resist the urge to hit the open (and almost empty) road in New Zealand? Certainly not us...but don't forget that the country has urban adventures aplenty, too. Check out our selection of lesser known (but no less wonderful) road trips, then head over to BBC Travel to find out about the</i> …

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Ten amazing off-the-radar experiences in France

No Francophile worth their salt would skip the Eiffel Tower or the lavender fields of Provence. But while France’s tourist trail is well trodden for a reason, there are plenty of wonders that might have escaped your radar. Here’s an alternative bucket list for your trip to France.<p>See flocking …

From skulls to sewers: the darker side of Paris

Paris basks in its reputation as a glittering capital of fashion, art and culture – but it also has the power to bewitch visitors with more macabre sights.<p>Peer behind the glamour of the French capital to discover the best of its underground wonders and grisly history.<p>Les Catacombes<p>Beneath Paris’ …

New Zealand's most wondrous night-time experiences

From night hikes to cave-rafts to midnight munchies, there’s lots to do in New Zealand when the lights go out...<p>1. Night-hike the Tongariro Crossing<p>The 19km Tongariro Alpine Crossing is frequently touted as the world’s best day walk, thanks to its compact combination of sulphurous lakes, huffing …

Ten of France’s natural wonders

France's smorgasbord of cultural delights could keep even the most avid museum-hopper busy for a lifetime, but don't forget about the great outdoors. France smoulders with natural beauty, so why not go <i>au naturel</i> at mountain ranges, canyons and startling stretches of coast? This round-up of …

Top 20 free things to do in Paris

City of love, fashion capital, literary paradise… Paris has many different guises. And while museum entry can be steep and fine dining comes at a premium, the French capital can also be a cheap date.<p>Whether you go weak at the knees for soaring church spires or want to rub elbows at an authentic …

£10,000 gain from delaying annuity

Those who delayed taking their pensions this year will gain an extra £10,000 over a 25-year retirement<p>Savers who made the tactical decision to delay taking their pensions this year will be rewarded with an extra £136m in old age, calculations by The Telegraph indicate.<p>In January we forecast that …

Retirement

Annuity Rates - Retirement Planning

New research shows that people in their 50s are underestimating their chances of surviving to the ag... More<p>New rules aimed at increasing the number …

Retirement

10 things not to buy in 2014

<b>1. Cable TV</b><p>Cable television’s heyday is over. Subscribers have been declining since 2004, and analysts say there’s no end in sight. Roughly 54.8 …

The best apps to make and save you money

Install the best money apps on your smartphones and tablets - here is Telegraph Money's pick of the bunch<p>If you are one of the millions who use a smartphone or tablet – perhaps one recently opened for Christmas – there is a good chance you have already downloaded several apps to make your life a …

Will 2014 be the year you finally fix your finances?

Will 2014 be the year you finally fix your finances? Five New Year money resolutions<p>By<p>Published: 03:46 EDT, 2 January 2014 | Updated: 05:45 EDT, 2 …

Finance

How to make and save money in 2014

Our 10-minute guide to making yourself wealthier this year with wise financial decisions<p>Sore heads, cold turkey sandwiches and lighter wallets can only mean one thing: the first week of January. But spare 10 minutes to read <i>Your Money</i>'s guide to making, saving and protecting your wealth in 2014 – …

Stock Quotes, Business News and Data from Stock Markets

Money strategies retirement savers need now

Your year-end brokerage and 401(k) statements have arrived in your inbox and mailbox. Now it’s time to take stock of your portfolio and consider …

Your 'High-Earning Years': Salary Secrets For Your 20s, 30s And 40s

When we’re younger, we probably think that we’ll make more money when we’re older. Job seniority comes with promotions—and raises—right?<p>As it turns out, your money arc is shorter than you think. According to an analysis from PayScale.com, women’s pay peaks at age 39, and, according to their median …

Annuity firms find new ways to boost profits

Britain’s insurers, who blame bond markets for low rates, are accused of secretly boosting profits at the expense of savers<p>Britain’s insurers are accused of secretly boosting profits at the expense of savers when they convert their pension savings into a retirement income.<p>The Telegraph understands …

Finance

Stock Quotes, Business News and Data from Stock Markets

5 Practical Steps to Attract Prosperity

Prosperity is not all about hard physical efforts and long working hours. There are many people out there who despite working 10-20 hours a day, are …

12 Ways to Take Control of Your Life in 2014

It's that time of year when many people resolve to make changes relating to everything from finance to fitness. Unfortunately, by February, a good majority of us will have settled (un)comfortably back into our old habits and will find ourselves feeling just slightly more powerless against our …

Google Reveals Its 9 Principles of Innovation

Want to know what’s in Google’s secret sauce? Chief social evangelist Gopi Kallayil dishes out the tech giant’s success recipe.<p>Ever wonder what makes the Google the holy grail of productivity and creativity? There’s no magic in the drinking water at the Mountain View, CA company. The tech giant …

Simplicity Sells: Top 10 Innovations that Make Life Simpler

<i>Margaret Molloy</i> <i>is the Global CMO for strategic branding firm</i> <i>Siegel+Gale.</i> <i>Follow her at @MargaretMolloy.</i><p>We live in a world where startups and the latest technology innovation consume mainstream news coverage, where entrepreneurs and innovators are heroes, and where “new” is often confused with …

Education Is Still the Problem for Big Data

Lack of education is still the No. 1 thing hindering greater adoption of Big Data by businesses, according to research. And executives indicate it …

Gartner On Big Data: Everyone's Doing It, No One Knows Why

The gravitational pull of Big Data is now so strong that even people who haven’t a clue as to what it’s all about report that they’re running Big Data projects.<p>Strange, but true.<p>According to a recent Gartner report, 64% of enterprises surveyed indicate that they’re deploying or planning Big Data …

Editing Your Life's Stories Can Create Happier Endings

<b>Listen · 8:54</b><p><b>Toggle more options</b><p><b>Download</b>• <b><br>Transcript</b><p>It was a rainy night in October when my nephew Lewis passed the Frankenstein statue standing in front of a toy store. The 2 1/2-year-old boy didn't see the monster at first, and when he turned around, he was only inches from Frankenstein's green …

Men's Fashion, Style, Grooming, Fitness, Lifestyle, News & Politics

Hair<p>Without buzzing it all off or, god forbid, combing it over.<p>By Adam Hurly1 day agoView More<p>Editors' Picks<p>It’s time to justify that Prime …

Opinion

Letters to the Editor<p>On this day

Can you predict 2014's top fitness trends? Here are the pros' picks

According to the latest survey from the American College of Sports Medicine, your body is going to be working overtime in 2014.<p>They surveyed over …

Exercise