Nadal is the second favourite at Wimbledon (again) this year, but I think he's worth a small position at 3.6 (2.6 to 1) on Betfair.

There's also a bet on a Nadal/Federer final this stands at 2.18 currently (but doesn't look very good value to me!)

Good value shares to buy and hold right now IMHO are M & S £3.42 today British Land £7.43 and HSBC £8.04. I actually sold my HSBC holding about 5 or 6 weeks ago at £8.92 this has seemed like a pretty smart move as I took a neat 12% profit and had I held on this would have been not only completely wiped out, but I would be sitting on a paper loss of a few %.

I think that if you are prepared to buy and hold for up to three years, you should be OK at today's prices.

My own policy is a vey flexible one. I buy to hold medium to long term, but should I see an instant profit (as I made on HSBC in about 3 months) I will take it, 'get out' and continue to follow prices.

Tournament: The Open (known as this rather than the British Open !!!)

I backed this golfer (who won this year's Green Jacket) at 65-1 on Betfair.

Sneakily, I managed to lay off the bet in full at 55-1 !

The bet was for £12 which once I'd sold (or laid off) the bet in full, was returned to me in full £12.

Result. I have my £12 back in full and also the possibility of winning £120 if T.I. wins this tournament!

I'm 22, the current age of retirement for men in the uk is 65. So that gives me 43 years of payments.

the only problem is i really dont know what to look for when shopping around for a personal pension plan.

Should i just talk to different companies, letting them blind me with their figures and projections? Then flip a coin?