The ‘homemaker’ is a key person in the family. How would the running of the household be changed if they were taken away or were out of action for a long time?
Daycare Trust’s 2009 Childcare Costs Survey shows that parents in the UK face typical childcare costs of over £8,500 per year, per child and in some parts of the country, the typical costs are over £20,000 per year, per child.

The average salary for a Housewife in 2008 in the UK is:

£25,002

Job profile for a Housewife:
cleaner.cook.waitress.washer.nurse.taxi.banker.agony aunt.hair dresser,dog trainer,dog walker.personal shopper Feeding, cleaning, washing, nursing, teaching, guiding, driving, spending…. General slave Looking after the family home!

(source: mysalary.co.uk)

Now we have given you the statistics, ask yourself  the following:

Would your partner stay working, work part-time or quit to look after you?
Could your parents or in-laws provide long-term support?
How much would you need to spend on childcare?
Would you need to purchase special equipment or modify your house?

Perhaps you feel that you should talk to someone to make sure your cover is up to date, just give us a call.

There are now two million fewer people in Final Salary type (DB) pension schemes than there were in 1995 according to new research from MGM Advantage.

If these two million people had remained in their plans, their employers would have paid around £7.77bn a year into their pensions.
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It has been reported by Nationwide that house prices rose by 0.9% in June, the third rise in the past four months.
The rise marks the first positive sign since December 2007 and has shrank the annual rate of decline to 9.3%, from 11.3% in May.
The increase has pushed the average house price up to £156,442 from £154,016 in May.

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As stated above using the latest internet technology we can search all the product providers to find the most suitable investment for you. Whether it be ISA’s, Unit Trusts, Investment Trusts, Oeic’s, Bonds, National Savings Certificates or Deposit based Investments, we will endeavour to find you an investment that outperforms your current arrangements and which you find comfortable. Whats more we will keep an eye on its performance by carrying out regular reviews.

Too many people keep large amounts of cash on deposit when it could be working harder for you, instead of the bank!

Using the latest technology and information provided by you, we can calculate the required contribution, and find the most suitable provider for you. Other options, such as ISA’s can be taken into account for your retirement planning needs. After all, will you be happy with the State provision, currently £87.30 per week for a single person (2007/08).

There are other considerations such as “Income Drawdown” and “Phased Retirement” which may be an issue, but, enough of the technicalities for now, if you do not feel comfortable with your planning, Email or talk to us.

Facing up to the possibility of death, illness or disability is one of the most uncomfortable things for a lot of people to deal with, many people do not have sufficient cover to protect themselves or their families. Are you confident that you and your loved ones are safe from hardship in any event? When did you last have a thorough check of your policies. Are they too expensive? You may be able to reduce your outgoings.

We offer a full “healthcheck” to ensure that everything is in order.

We are experts in personal finance, and can help with Life Assurance, Critical Illness cover, Income Protection, Pensions, and Savings and Investments.

We are also Independent Mortgage Brokers equipped to help you buy your home effectively, or release capital if required for improvements. Of course, you may just wish to re-mortgage to get a better deal! However, we can also deal with your business needs, from Stakeholder pensions to Keyman protection.

We have a team of dedicated Mortgage Advisors that will search the whole market to find the best possible deals for you. Whether you are looking to move, or save money on your existing mortgage…. contact us!

We arrange all kinds of borrowing, from mortgages, buy to let, commercial, asset finance and have no estate agency fees…. contact us!