Christmas is fast approaching - adding yet more financial pressures to already overstretched finances. In this issue of our monthly money bulletin we give you details on a prepaid card that can help you to avoid a financial hangover in January and tips on how to reduce your car insurance premium when it’s up for renewal. Plus read on to find out about the postcode lottery when it comes to pension incomes, where to get advice about equity release and how a funeral plan could save your family from future financial worries. |
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PEACE OF MIND Janet and Reginald Baker from Mid Glamorgan didn’t want to leave their three sons with any money worries in the future and so decided to buy funeral plans. “We’d been thinking about it for a while,” says Janet, 69. “Then I read about funeral plans from Dignity in my Daily Mirror and that prompted me to do something. “We got it all sorted a couple of months ago. It’s like a weight off our minds. We can just get on with our lives now, knowing that when the time comes everything is covered and our children won’t have any bills to pay. “It gives you peace of mind knowing you’ve got something like this done and dusted and you don’t have to think about it again.” The Dignity Funeral Plan offers practical and affordable ways to pay towards funeral costs. You can guarantee to cover all the services within the plan in full, ensuring you don’t leave your loved ones with a hefty unexpected bill. CALL FREE on 0800 731 0627 and speak to one of Dignity’s UK based advisors to receive a no-obligation pack.  |
| POST CODE LOTTERY Did you know that where you live can effect your pension pot? Norwich Union is the latest company to announce that it will pay bigger pensions to people living in poorer areas, compared to those living at posh addresses. They believe that where you live can indicate how long you live. For example a man residing in Kensington can expect to live to 84 on average, compared to less than 80 in parts of Lanarkshire. Insurance companies that provide annuities (retirement income for life) take a number of factors into account when deciding how much retirement income to pay when you purchase an annuity. These can include where you live, your health, whether you smoke and your occupation. To help you get the best retirement income for your circumstances - wherever you live - Mirrorsure has teamed up with retirement specialists Origen. They will look at your situation and advise on the best solution. It is an easy process and a friendly adviser will talk you through the options and help you make the best decision. IF YOU ARE COMING UP TO RETIREMENT AND WANT TO TURN YOUR PENSION SAVINGS INTO AN INCOME THEN CONTACT ORIGEN on 0800 013 7722.  |
YOUR FUTURE YOUR CHOICE Releasing a tax free cash lump sum gives you the opportunity to choose how to spend your future and retirement years. Many homeowners use the equity that has built up in their homes for holidays of a lifetime, to treat loved ones and for home and garden improvements. It is also providing many over 55’s with peace of mind that they have paid their outstanding mortgage and other debts. With some using equity release to top up their income – meaning they can afford the luxuries that they deserve without any money worries. Equity release is an important financial decision and with so many different plans available taking independent financial advice is essential and could save you and your estate thousands of pounds in the future. That’s why Mirrorsure has teamed up with Key Retirement Solutions – the equity release specialists. Find out more about equity release and get a FREE GUIDE or FREE NO OBLIGATION CONSULTATION by calling 0800 422 0800 or visit www.mirrorsure.co.uk/equityrelease  |
| DRIVING DOWN COSTS Q - Everything seems to be costing more these days. Have you got any advice on how I can reduce the cost of my car insurance when I renew it? A - Policy costs depend on your circumstances - age, where you live and your car. But the following may help you to lower your car insurance: - If possible, keep your vehicle in a garage or on a driveway. It’s at a greater risk kept on the road overnight. - Install an alarm, immobiliser or tracker if your vehicle doesn’t have any of these as standard. - Choose your car carefully, smaller models are cheaper to insure; and road tax could also be cheaper. - When renewing your insurance, check that your declared annual mileage is correct – circumstances change and you may find that you’re driving your car less than when you first took out insurance. - Increase your voluntary excess amount (the sum you agree to pay towards the cost of any insurance claim). - If your partner drives, ask about adding them to your insurance, even if they never drive your car - this can sometimes reduce the cost of your premium. FOR MORE INFORMATION ON WAYS TO REDUCE YOUR INSURANCE PREMIUMS CALL 0800 781 9665.  |
FESTIVE FINANCES If you want to take advantage of online deals this Christmas but don’t want to leave yourself with a financial hangover in January then the Mirror’s Quidity prepaid Maestro card is just what you need. Unlike a credit card where you can be tempted to overspend and run up debts, you are in complete control of your spending with Quidity. You simply load up the card with the cash you want to spend this festive season and then hit your keyboard to find the best deals on everything from presents to food and treats for the whole family. FIND OUT MORE ABOUT QUIDITY - which doesn’t require a bank account and which you can top up like a mobile phone via Post Office, Paypoint or online - at www.quidity.com/mirror  |
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