Children grow up fast which means it is critical to consider 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 ease their money worries when they are older. Scenarios where this may prove invaluable may include helping to pay for university fees or for the deposit on a new car.
You can invest in a tax-free savings plan for any child with a Scottish Friendly Child Bond. It’s tax-free because it’s a friendly society savings plan, so under current legislation it grows free of income or capital gains tax. Without doubt it is a good way for parents, grandparents, family members and friends to make a major financial difference when the little ones are older.
In essence the Child Bond is a with-profits investment plan: It invests for long-term growth as well as a certain degree of security, in stocks and shares, fixed interest funds and cash.
The invested amount grows by way of the addition of potential annual bonuses and at the relevant time when the bond becomes payable there’s a tax-free payout. The value of bonuses depends on how much profit we make and how we distribute it.
It is important to bear in mind that bonuses are not guaranteed.
The Child Bond may run for a minimum of 10 yrs, but it is possible to invest for longer if you like - perhaps to coincide with an 18th or 21st birthday. You can save either monthly, annually or with a lump sum payment.It really is completely up to you. Do not forget that if the plan is cashed in prior to the end of the term, the amount the child will receive may be less than the amount paid in.
If you decide upon the monthly option, you can start 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 possible sum 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 will yield £120 a year for 10 years - a total of £1,200. This provides a means for you to settle all your premiums in one go and is especially popular with grandparents who like the reassurance of knowing all premiums for the entirety of the term of the plan are taken care of.
Life cover is also included with this plan, so you should consider if this is suitable for your financial needs.
Although it had long been considered the stuff of old wives tales and legend, using ginger as a remedy to treat morning sickness is rapidly earning a new respect.
In new studies published in the journal Obstetrics and Gynecology, doctors from the University of Adelaide in Australia proved once again this natural remedy is an extremely effective treatment for the nausea and vomiting that affects up to 90% of all pregnant women, usually in their first trimester. But while many doctors still remain “on the fence” about natural treatments, according to pregnancy researcher and author Colette Bouchez, the wisdom of “Mom” has long been on the side of Mother Nature - particularly in the treatment of morning sickness.
” When it comes to pregnancy, most women have incredibly sharp intuition and great natural instincts - they know when something is wrong, and they sure know when something is right, and ginger has been one of those right remedies for generations,” says Bouchez, the author of ” Your Perfectly Pampered Pregnancy: Beauty, Health and Lifestyle Advice for the Modern Mother -to-Be” ( Broadway Books, NY).
In the new research, Dr. Caroline Smith reports ginger was compared to clinical doses of vitamin B6 (a common prescription for morning sickness) and was found to be as effective. Although previous animal studies have revealed a potential link between very high levels of ginger and an increased risk of pregnancy complications including miscarriage, Smith reports that her studies found no such connection. She writes: “For women looking for a reduction in their nausea and vomiting. . . the use of ginger in early pregnancy will reduce the severity of their symptoms.”
Bouchez, who notes that 3 previous studies on ginger found similar good results says ginger works thanks to two active constituents known as “gingerols” and “shogaols” , both of which give this plant it’s pungent taste. Not coincidentally, she says these same compounds also work directly on the gastrointestinal system to reduce the activity linked to nausea and vomiting.
If, however, you’ve tried ginger and it just doesn’t seem to help you, Bouchez advises skipping the gingerale and gingersnaps, and go for the “real stuff” instead.
“There is some research to show that it is the properties found in natural, fresh ginger that makes this a truly effective treatment - so when possible, buy some fresh ginger root and use to make a tea, or sprinkle it on your cereal or a bowl of fresh fruit,” says Bouchez.
Six More Natural Treatments for Morning Sickness
If, in fact, ginger just isn’t your “cup of tea” according to “Your Perfectly Pampered Pregnancy”, here are 6 more “natural” ways to beat morning sickness.
1.Switch prenatal vitamins - or the time you take them. The high iron content can induce nausea in many pregnant women. Switching to a low iron formula in the first trimester only (when the risk of anemia is very low) may squelch morning sickness. Also- take your vitamins late in the day, and skip the glass of water. Instead swallow your vitamin in a spoonful of pudding or applesauce.
2. Limit fluid intake with meals. Instead drink between meals - and try other tummy-soothing beverages such as peppermint iced tea, or chamomile hot tea.
3. Massage your pressure points by applying pressure on what Chinese medicine experts call the P6 Nei Guan nerve located in the wrist. To stimulate this anti-nausea nerve use two fingers from your left hand to press the underside of your right arm two inches above your wrist. Hold for up to 6o seconds and repeat as needed.
4. Rise and shine . . . slowly. Whether it’s getting up in the morning or after a nap, rising too quickly can throw off equilibrium and contribute to the queasies.
5. Have Breakfast in Bed. If you’ve heard that dry crackers is a treatment for morning sickness, you heard right - but the trick is to eat them in bed, twenty to thirty minutes before rising - and don’t drink any liquids, especially water, while munching.
6. Scent Your Hankies! To sidestep nausea caused by smells and odors outside your home, tuck a hankie doused with a combination of lavender and peppermint oil into a small plastic bag and keep in your purse. At the first hint of nausea, hold the hankie to your nose and breathe deep for almost instant nausea relief.
For more free tips on natural pregnancy remedies visit http://www.PamperingMom.com