Immediate Cash Info

Children grow so quickly which means it is crucial to start thinking about saving when they’re young. By saving from just £10 to £25 a month with Scottish Friendly’s Child Bond as they grow up you could alleviate their money worries when they are older. For example helping to pay for university fees or for the deposit on a property.

You can invest in a tax-free savings plan for any child with a Scottish Friendly Child Bond. It’s tax-free as it’s a friendly society savings plan, which means that under present-day legislation it grows free of income or capital gains tax. There can be no doubting that an ideal way for parents, grandparents, family members and friends to make a significant financial difference when the little ones are older.

In a nutshell the Child Bond is a with-profits investment plan: It invests for long-term growth as well as a degree of security, in stocks and shares, fixed interest funds and cash.

The invested amount accrues by means of the addition of potential yearly bonuses and at the relevant time when the bond matures there’s a tax-free payout. The value of bonuses depends on how much profit we make and how we decide to distribute it.
Bonuses are not guaranteed.

The Child Bond runs for a minimum of 10 years, but you are free to invest for longer if you want - perhaps to coincide with an 18th or 21st birthday. You can save either monthly, annually or with a lump sum payment.That is entirely up to you. Please note if the plan is cashed in prior to the end of the term, the amount the child will be paid may be less than the amount paid in.

If you elect the monthly option, you can get started by saving from as little as £10 a month - up to a maximum of £25 monthly. Or you can make annual payments of up to £270 a year.

You can also remit all of the premiums in one go through our lump sum funding plan. If you invest the maximum figure of £2,340 for a 10 year period, this actually invests £270 a year into the Child Bond - a total of two thousand seven hundred pounds. The minimum lump sum of £1,040 provides £120 a year for 10 years - a total of £1,200. This provides a way and means for you to pay all your premiums in one fell swoop and is extremely popular with grandparents who like the reassurance of knowing all premiums for the whole length of the term of the plan are taken care of.

life cover is inluded with this plan, so you should consider if this is appropriate for your financial needs.

Specialized mortgage rate products for pharmacists, doctors and many other professionals are targeting professionally employed debtors. Quite a few moneylenders can offer superior revenue multiples and very encouraging rates specially to surveyors and many other professionals.

Securing a discount on your mortgage from a high street bank can involve lengthy negotiations, let a mortgage advisor at www.mortgagesforprofessionals.com take the hassle out of the negotiations, their experience could save you time and money.

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Central heating insurance seems mistakable for with gas boiler service contracts at first, though some providers may include failure insurance along with monthly service charges, or vice versa. Anyway you should probably view your central heating breakdown cover as a distinct item, and ask some must-know points in relation to the service you’re getting.

Bear in mind a central heating breakdown could end up being trouble to an unqualified disaster, so ensure you’ll be given top quality help, be it as an added extra of a gas boiler service package or as stand-alone central heating breakdown cover.

The essential issue is to double check your chosen offer provides twenty four hour service and that plumbers are CORGI registered. Once that’s assured you can take the offer that seems strongest to your eyes.

You’ll come across numerous seemingly odd additions from the assorted central heating insurance cover firms, especially if an offering you’re assessing is bundled with a service contract. Make sure to keep an eye out for this as the complete minimum needed, and you and your family will be insured against the great number of problems families signing up for central heating breakdown cover may come across.

One last point to look at: be perfectly certain your selected company doesn’t place restrictions on the number of engineer visits you will be able to have over the course of your arrangement. Some companies may sink a limitation in the fine details of their contract and the last thing you want during an emergency is to be informed you’ve run through the upper limit number of visits!