We are pleased to announce the sponsorship of ‘The Money Map Sheffield Alliance Midweek Cricket League’ for the 2021 season.
We have sponsored this competition since 2014. You can follow the league on @alliancemidweek on twitter.
Good luck all for the season.
I needed to change my mortgage and to discuss savings and investments for my children’s futures. Since then I have made contact with the adviser over the years to advise on all financial matters including how to manage my redundancy payment to achieve the best returns in the future.
The advisor assessed my current financial situation , my attitude to risk and security and devised the best plan for me and my family currently and for the future.
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The Money Map wish to congratulate The Wednesday Cricket Club on their 2nd successive promotion within the ‘Mansfield & District Sunday league’ this September. This time by winning the title on the final Sunday of the league. They will now compete in the Section 5 league in the 2015 season.
This September The Money Map is pleased to confirm their continued sponsorship of Bradford Salem Rugby club for the 2014/2015 season. The season runs from September through to May and you can follow their progress on www.pitchero.com/clubs/bradfordsalem/
The Money Map are happy to announce this April we will be main sponsor of the ‘Sheffield Alliance Midweek Cricket league’ from April 2014. This was previously the ‘Irwin Mitchell Alliance Midweek league’ but will now be ‘The Money Map Alliance Midweek league’. The games and league will run from April until August, it includes four divisions (Premier, A, B and C leagues). We hope this is the start of a long partnership between ‘The Money Map’ and the ‘Alliance Midweek league’. To follow, fixtures and results are all available on www.alliancemidweek.org.uk
The Money Map is pleased to announce their continued support and partnership this March with ‘The Wednesday Cricket Club’ by sponsoring club shirts for both the Sunday ‘Mansfield and District league’ and ‘Sheffield Alliance Midweek league’ during the 2014 season. This is now our 4th consecutive year of sponsorship since they re-formed in 2010. We wish them all the success for this year.
The lowest cost life assurance is Term Assurance. Term Assurance is life cover that protects you for a fixed period of time. The amount of cover you initially select can then either stay level throughout the term, could increase at a predetermined rate or you may wish to select cover that decreases.
You pay your premiums for the level of cover you require for the term you require and if you do not die within the term the policy finishes and the insurance company wins.
Decreasing term assurance is most commonly used where a liability is protected and which reduces, for example a repayment mortgage. Protecting a mortgage debt against is a relatively simple calculation, because you would normally only cover yourself for the amount that is owed. If you want to protect your family’s standard of living in case you die prematurely, the calculation can be more scientific.
A starting point to make the calculation is how much income would be required to maintain the family’s life should you die. If for example, this equates to £10,000 per annum, for 20 years, you could either protect for £200,000 (20x £10,000) to guarantee the income. The other option is for you to take a risk on investment returns and lifespan and insure for a lower amount. Once you have decided on how much income to protect, you then need to protect any capital requirements that you potentially have, for instance children’s higher education costs. You need to think, would they be able to afford higher education if you were not around?
Insurance is important, but the cost of potentially providing for the future has to be balanced against living today. Whenever doing some financial planning and deciding upon the correct level and most appropriate type of protection, it is sensible to seek independent financial advice and The Money Map are experts in all fields of protection for the family.
One of the choices you will have to make when purchasing annuities is how often you receive your income.
A couple of the options are to receive the income monthly, annually, in arrears or in advance.
This decision will depend on your own individual circumstances; most people have monthly commitments with household bills, school fees for grandchildren and holiday planning funds to manage. Annual pension payments may only suit if you have additional income from other sources, for example, other pensions either personal or company, or from your spouse.
The benefits of receiving the income annually in arrears is that you may receive slightly more income than choosing monthly. The main disadvantages are that once you have made a decision, the annuity shape cannot be changed.
A review of your circumstances with an independent financial advisor can help to identify these issues and make sure the decisions you make will suit you now, and in the future.