SIR: Now, as my 91st Christmas approaches, I am very grateful that I have never become involved in the online social world of such as Facebook, Wikipedia, Linked-in et al. As a result, if trolled, I am blissfully unaware of the fact and all the better for it.

One app on my mobile phone that I do find really useful, translates languages. As a result I can communicate with my Chinese flat tenant and it helps with my Spanish, German and Franglais, when required.

Banking, using a mobile phone, leaves me totally cold. I consider it too dangerous. I have a dedicated bank account with hardly any money in it and use the debit card for all online shopping, only adding funds when needed.

As a very active investor, perhaps the best advance for me, has been online investing. When I first started dealing in shares a transaction involved phoning a stockbroker and paying commission. Now, on my computer, I can look at my portfolio and access information about shares instantly. Dealing takes seconds and sometimes I even buy and sell the same share in a day if there is enough movement in the price.

Apart from some soup making and the occasional cake, I now take responsibility for cooking lunch once a week, to give my wife a rest and find online recipes very helpful.

Looking back I remember opposing credit and debit cards, these days I very rarely write a cheque. We spent a small fortune on postage and probably the best investment I have ever made, some 20 years ago, was buying two or three hundred first class stamps, two days before the price went up. I still have a dozen or so left and the price of postage has probably tripled.

However much thing change, much remains as it always has been. The one thing I have learned, is that change is not always bad and even at my age, I need to try to keep up.

Keith Webb,

Quarry Road,

Winchester