If you purchase a bulk scanning package, the cost becomes even cheaper. They also scan negatives and slides, and convert VHS and 8mm film to DVD. They additionally offer photo restoration, and gift certificates, so you can buy the scanning service as a gift for a member of your family or one of your friends. ScanMyPhotos also offers the fastest scanning service. You can get your photos digitized within 7-10 business days, or opt for a same-day scanning service. ScanMyPhotos offers the fastest scanning services One drawback of ScanMyPhotos is that they have some strict guidelines on how you should clean and organize your photos before shipping them. If you happen to live in Irvine, California, you can even schedule an in-person appointment at their scanning facility. 2. GoPhoto GoPhoto will scan your photos, slides, and negatives and then put them in an online folder. It's probably the easiest-to-use scanning service, requiring minimal work on your part. They retouch some of your old photos and restore their color, and provide you with an unlimited, free folder from which to access your photos.
A variation on this approach is to run down your pot until later in retirement and then use the balance to buy an annuity which will give you an income that lasts as long as you do. In your case, it sounds as though you may be depending mainly on your UK pension, topped up by income from your pension fund. It seems that your adviser has told you that the level of income you have been taking is no longer covered by the 'natural yield' of your investments and you therefore have a limited range of choices. How to shelter your pension investments in a market storm Find six tips to protect your retirement fund here. This includes how to avoid a nasty trap known as 'pound cost ravaging' which can take a severe toll on pension investments, especially in the early years. One option would be to ignore the adviser and go on taking the same level of income as before. The problem with this is that, as your adviser has pointed out, you would have to start selling some of the assets in the fund. This goes against your original goal of protecting your capital.
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