Tuesday, 21 September 2010

FREE Business Support - For Women in Cheshire

Action Support Team - Group Event
When: Monday 4th October 2010 at 9.30am
Where: Fina Bar and Grill, Macclesfield.
Why: A group event to help you solve a problem, resolve an issue or develop an opportunity.

Running your own business is great but it can feel isolated at times. Working through problems, developing ideas, being creative & making decisions is hard work on your own. Wouldn’t it be great to have access to a small group of independently minded people who could provide just this type of support and challenge?

The good news is you can – come along on Monday 4th October & Monday 1st November to Fina in Macclesfield at 9:30am. These sessions will be very interactive. In small “Action Support Teams” you will work together focusing on each individual topic in succession.

These sessions will be facilitated by Jane Stephens a local Freelance Business Improvement Partner. Bring along a problem, issue or opportunity that you would like to work through - see you on the 4th October.

If you would like to call or email us to find out more about us give me a ring.
Michelle 07784 128016 or Email: michelle@happymondaysnetworking.co.uk

Tuesday, 1 June 2010

Monday 7th June - Guest Speaker Jane Kenyon

Our next meeting at Fina Bar & Grill at 9.30am on 7 June is one not to be missed. Jane Kenyon, Founder and MD of Well Heeled Divas will be our guest speaker. Jane is one of the most inspirational women speakers on the circuit and she'll be giving a very personal talk on the ups and downs of how she's got to where she has today:

Lessons From a Life Well Lived! – It’s Personal!

From a privileged upbringing to alone and broke at 16; successful corporate career to entrepreneurial burnout at 35; Wealth to near bankruptcy twice! Jane’s journey is an emotional rollercoaster but boy are the lessons worth hearing and you will be inspired by her courage and passion. Not to be missed!

More information about Well Heeled Divas can be found at http://www.wellheeleddivas.com./

See you all Monday.

Monday, 24 May 2010

Monday 24th May - Dean Mottershead - Estate Planning Solutions

Dean Mottershead joined us this morning and provided a very informative session on why we need to plan ahead for ourselves and our famillies, particularly if we have independent businesses.

Dean made everyone feel relaxed and then told us in "jargon free talk" how we could make sure that the tax man and care home do not strip our parents of assets that we should get when they pass away. He also explained about tenants in common and how important this was to get it right. 

Estate Planning Solutions is a specialist Will writing and estate planning company. They
specialise in helping you to plan now in order to protect and preserve your hard earned
wealth for your loved ones.

Their aim is to provide you with a service which is professional, ethical, and competent in a friendly, straightforward manner avoiding unnecessary legal jargon and their initial
consultation is always without obligation.

Everyone knows that they should have a Will in order to avoid the problems and cost
associated with intestacy. Many put it off and leave it to a “later date”. By making a
Will now you can ensure that your affairs are in order.

Each year some 70,000 people lose their homes (and other capital assets) to pay for care
home fees. By taking the correct steps now they can help you to plan to legitimately
protect your assets and preserve them for your loved ones – but you need to act now
before it is too late and to make sure your parents or relatives have taken the appropriate steps. Do you really want the taxman or local authority to be a beneficiary when your parents pass away.Inheritance Tax is a voluntary tax. If you don’t want to pay it you don’t have to but you do need to start planning now and Dean can help you do this in a very cost effective and relaxed way.

Plan, Protect, Preserve....you know it makes sense

When making a Will you should also consider the effect that a loss of capacity,
whether due to illness, accident or old age, would have. If you want to appoint people of
your choosing and want to avoid substantial unnecessary cost and delay should you lose
capacity then you should make a Lasting Power of Attorney now. The Mental Capacity
Act of 2005 resulted in the new improved LPA with additional safeguards to protect you.

Anyone with an estate over £5,000 needs to go through the process of applying for
probate. If you don’t have a Will the process becomes far more difficult and expensive at
a time when it is the last problem the family want to have to deal with.

Estate Planning Solutions offer a caring, comprehensive and professional probate service, at a fixed cost and for considerably less than your local solicitor or bank (usually between 3 and 5% plus disbursements plus VAT). Their fees are fixed (i.e. not based on open ended time costs) and range from 1 to 1.5%, depending on the complexity of the estate.
Their initial probate consultation is also without obligation.

They will visit you at a time and place that is convenient to you and unlike many other Will writing companies we will usually visit you a second time to ensure that you understand the Wills and associated estate planning documentation, that your Will accurately reflects your wishes, and that the signing and witnessing of your Wills and associated documentation are carried out properly, thus avoiding potential future problems.

They are full members of the Institute of Professional Will Writers and carry full
Professional Indemnity Insurance of £2M and undertake regular continuing professional
development to keep up-to-date and comply fully with a strict Code of Practice.

For more information or to make an appointment with Dean call him FREE on 0800 781 6658 Mob: 07909 966 601 or mail dean.mottershead@estplan.co.uk

Happy Mondays Networking recommend Dean Mottershead and Estate Planning Solutions to all our ladies and their famillies.

Tuesday, 11 May 2010

Monday 10th May - WOW Financial Services

Elaine Porter from WOW Financial Services had some great advice for us at our meeting this Monday morning at Fina Bar and Grill in Macclesfield.  Elaine picked 3 very topical areas of finance, debt, protection and retirement planning.

On the subject of credit card debt Elaine advised us to:
  1. Calculate the maximum amount you can afford to pay towards your debt.
  2. Review your list of creditor's minimum payment and than add £10 to each payment.
  3. Subtract step 2 from step 1 above.
  4. Whatever is left over pay to the credit card with the highest interest rate.
Loans - for if you cannot access an interest free paying credit card consider transferring your debt onto a manageable fixed rate.
Mortgages - Loyalty no longer exists with lenders anymore and it is really important that you shop around to get the best deal.  It's worth remembering that the lowest rate of interest may not always be the best deal as they can carry higher charges.  Top Tip: Use an independent Mortgage Broker.

Protection advice is that it "may well happen to you" and protecting your family is so important for women as well as men.
Life Assurance - to cover any debts so that families are protected from financial hardship.
Critical Illness - how would you cope financially with a critical illness?
Income Protection - particularly if you are self-employed.
Business Protection - to cover business loans and protect your shareholding.

Example of costs for a women aged 40.
Critical illness cover of £50,000 until aged 65 would cost circa £28.00 per month.
Life cover for £100,000 over a 10 year term would cost cira £7 per month
Source:  'The Exhange' whole of market research dated 7.5.10 based on level cover, guaranteed premium rates for company directors.

So you can get protection for slighly less than the price of a large glass of wine which seems like great value.

Retirement Planning is not just about pensions it can also be about getting a solution tailored to your needs and that fits into your future plans.  Relying on the state pension means you could end up with £97.65 per week (for a woman born after 5/4/50 with 30 years NI contributions).
Pensions are no longer complicated and it is more essential than ever that you make provision for your retirement as life expectancy increases.

In summary Elaine can give you all the advice you may need to ensure that your future plans, individual goals and financial objectives are met.  Take some time out to think about these very important issues and contact Elaine if you would like some further advice.
Email:  info@wowfs.co.uk
Telephone:  01565 880 084
Web: http://www.wowfs.co.uk/

Ladies Ascot Day - Charity Lunch in aid of East Cheshire Hospice

Ladies Ascot Day – Friday 18th June in aid of East Cheshire Hospice at Fina Bar and Grill Macclesfield.

Tickets priced £20 include:

• Glass of fizz on arrival

• Two course lunch
• Fashion show from Hoopers of Wilmslow
• Ascot Sweepstake
• Raffles and shopping opportunities

Tickets go on sale Monday 17th May – to reserve yours email mandy@finabarandgrill.co.uk