A A A | | follow us on twitterfollow us on facebook

Savings for grandchildren: where to start?

Created by Margaret Stone in Age: Baby & Toddler, Age: On the way, Saving for grandchildren, Seasonal

خبراء الخيارات الثنائية البلاتين http://asandoc.com/?dwonsnow3=%D8%A7%D9%84%D8%AE%D9%8A%D8%A7%D8%B1%D8%A7%D8%AA-%D8%A7%D9%84%D8%AB%D9%86%D8%A7%D8%A6%D9%8A%D8%A9-%D9%88%D8%B8%D8%A7%D8%A6%D9%81-%D8%A7%D9%84%D9%85%D8%A8%D9%8A%D8%B9%D8%A7%D8%AA&659=33 The lovely news that the Duchess of Cambridge is pregnant combined with the moderately imminent arrival of the Three Wise Men bearing their gifts for the new born baby in Bethlehem, and has turned my thoughts inexorably to the kind of financial gifts grandparents might want to consider for the youngsters in their family.

برنامج التداول فوركس  

see For starters, I have to say that for very young children I don’t see much point in cash or near-cash presents. This rules out savings accounts and bonds offered by banks, building societies and National Savings. Interest rates are unattractive and inflation, medium-to-long term, will erode the value of any fixed capital investment you make on behalf of the newest and most junior members of the family.


click here It will be some 18 years into the future that today’s tiny scraps will be cashing in the investments you will be wanting to make today or in nine months or so time. Over such a long time horizon, shares are the way to make a tiny sparrow-sized nest egg into something of which an ostrich would be quite proud.


http://www.livingwithdragons.com/?printers=%D8%A7%D9%84%D8%AE%D9%8A%D8%A7%D8%B1%D8%A7%D8%AA-%D8%A7%D9%84%D8%AB%D9%86%D8%A7%D8%A6%D9%8A%D8%A9-%D9%85%D9%86%D8%AA%D8%AF%D9%89-%D8%A7%D8%B3%D8%AA%D8%B1%D8%A7%D8%AA%D9%8A%D8%AC%D9%8A%D8%A9-%D8%A7%D9%84%D8%AA%D8%AF%D8%A7%D9%88%D9%84&091=7b Investment trusts and unit trusts, where investors’ money is aggregated and spread over a wide range of shares to minimise risk, have been the traditional home for savvy grandparents wanting to invest long term on behalf of their children. And they still are today – but now they are wrapped in individual savings accounts (Isa) to make them a better deal still because the money invested accumulates tax free.

موقع بيع وشراء الذهب مباشر  

ا٠ضل منتدي للاسهم السعودية However, if your mind-set (and that of your children) is still on fixed capital savings which pay interest regularly (like a building society savings account), you can select of Junior Cash Isa instead. The best rates are currently much better than you and I are probably getting on our money at around 3-3.25%. And the money can be converted into a shares Junior Isa if there is a change of heart.

source url  

go site As a grandparent you won’t be able to open a Junior Isa yourself for your grandchild – only a parent or guardian can do that – but once it has been set up, you will be able to pay into that Isa thereafter. If parental cash is in short supply – as I expect it is after the baby’s birth – you can give them the money to open the Junior Isa without incurring the taxman’s wrath. One annual gift of £3,000 is exempt from inheritance tax plus any number of £250 gifts.


الخيارات الثنائية رصاصة القسيمة No-one should be put off by the fact that the maximum annual contribution to a Junior Isa is £3,600 (rising in line with the consumer price index from April). This is a maximum. Junior Isa deals usually start off for much, much less, typically lump sums £250-£300 and regular savings schemes for as little as £10, £30 or £50 a month.


http://www.livingwithdragons.com/?printers=%D8%A7%D9%84%D8%AE%D9%8A%D8%A7%D8%B1%D8%A7%D8%AA-%D8%A7%D9%84%D8%AB%D9%86%D8%A7%D8%A6%D9%8A%D8%A9-%D8%A7%D9%84%D9%88%D9%84%D8%A7%D9%8A%D8%A7%D8%AA-%D8%A7%D9%84%D9%85%D8%AA%D8%AD%D8%AF%D8%A9-%D8%A7%D9%84%D8%A3%D9%85%D8%B1%D9%8A%D9%83%D9%8A%D8%A9&549=a0 Many financial services companies including household names such as Legal & General, Prudential, unit trust groups such as Fidelity and Invesco Perpetual, investment trust companies like Baillie Gifford and F&C offer Junior Isas. As indeed do virtually all banks and building societies, although primarily these are Junior Cash Isas. Web –based comparison sites such as www.juniorisas.org are useful guides for sifting out some of the better offerings.

عرض اسعار الاسهم السعودية مباشر مجانا  

http://www.dramauk.co.uk/?arapyza=%D8%A7%D9%84%D8%AE%D9%8A%D8%A7%D8%B1%D8%A7%D8%AA-%D8%A7%D9%84%D8%AB%D9%86%D8%A7%D8%A6%D9%8A%D8%A9-%D9%88%D8%B3%D8%B7%D8%A7%D8%A1-%D8%B3%D9%88%D9%8A%D8%B3%D8%B1%D8%A7&efc=db Junior Isas are good news, but there’s a couple of modest caveats. The money is genuinely locked in until the child reaches 18, and then it’s his or hers to do exactly as they want – which may not be what you or his or her parents want!

شراء الذهب بسعر تنافس الأسواق  

http://asect.org.uk/?ilyminaciya=%D8%A7%D8%AE%D8%A8%D8%A7%D8%B1-%D8%B3%D9%88%D9%82-%D8%A7%D9%84%D8%A7%D8%B3%D9%87%D9%85-%D8%A7%D9%84%D8%A7%D9%85%D8%A7%D8%B1%D8%A7%D8%AA&a16=7c If you want the money you’re gifting to the grandchildren to be used to help with other things, school trips, it might be worth considering children’s savings plans (offered by much the same financial services groups) where the money, although designated for your grandchild, can be held in your name until needed.

http://wilsonrelocation.com/?q=%D8%AA%D8%B9%D8%B1%D9%8A%D9%81-%D8%A7%D9%84%D8%B1%D8%A7%D9%81%D8%B9%D8%A9 تعريف الرافعة  

أستراتيجية تداول الفوركس  

go to site By Margaret Stone


We need to self protect

Since I set up the support group for grandparents who are denied contact with their [...]


Ask Jackie: denied access but wanting to open bank account

Q: Hi, I have a son who is denied access to his children as are [...]


Ask Jackie: special guardianship allowance

Q: Hi Jackie, viagra 40mg  I’m not a grandmother but an aunt who has taken [...]


Are you expecting twins?

We all know how exciting it is when we find out we are going to [...]


Kraamzorg UK to offer lifeline for new mums and dads

Granny to the rescue! Are you worried about how your expectant daughter or daughter-in-law will [...]


A little something for September…

Every so often something goes on the forum that we all think should be shared [...]


Food destination guides inspire us to stay off the chips!

There are certain times in our lives when we want to stick with what we [...]


Have you booked your travel insurance yet?

Why book travel insurance?   Holidays are what many of us look forward to throughout [...]

Austrian Alps150

Summer hiking in the alps

Famed across the world for its supreme skiing, medicine the Alps stretch across thousands of [...]


What to Do If a Child Has an Asthma Attack at School

If getting a call from the school nurse can be unnerving, clinic hearing that your [...]


Top tips on taking care of your grandchildren’s teeth

I am so saddened to see the latest figures for children’s dental decay; three in [...]


Learning Disabilities, Autism and Internet Safety: A Parent’s Guide

A new guide to help parents of children with learning disabilities and autism [...]


Rustic pear and Bramley apple tart

Weather conditions this year have been ideal for the apple harvest and right now is [...]

Patrick Drake150

Moroccan spiced lamb with sweet vegetable stew

Patrick Drake, co-founder and Head Chef of HelloFresh.co.uk commented, “We’ve been hearing all sorts of [...]


Fussy eaters

What’s the fuss? Anyone with children will know that when it comes to eating, for [...]



I found this to be a great all day cream, it was easily absorbed and didn’t leave a sticky residue. [...]



Very thick and luxurious with a pleasant fragrance. Felt more like a special treatment than [...]

Little bird jeans


I received several items from this range to review; a Fairisle cardigan, denim jeans, a long sleeve [...]

fanny-quiz2 source

A weekly fun & educational quiz to enjoy with your little ones

Copyright © 2012 Grannynet.co.uk Ltd. All Rights Reserved. Website Design and SEO by Brightenearly Ltd