Debtsure Debt Solutions are a debt management company who specialise in helping people who are struggling to meet the demands of their creditors.

With UK personal debt at an all time high, there has never been a better time to do something about it. Whatever your circumstances, Debtsure Debt Solutions will look at your situation individually and their advisors will endeavor to find the correct solution that’s right for you, whether it be a debt management program, IVA or debt consolidation remortgage (if you are a homeowner).

Debtsure Debt Solutions are specialists in:

• Debt management
• Debt Consolidation
• IVAs (Individual Voluntary Arrangements)
• Trust Deeds (Similar to an IVA in Scotland)
• Reduced Early Settlements

Société Générale Asset Management is a global fund management group with over £262 billion in assets under management worldwide (as at end of December 2006). At this time, their goal was to consistently provide investors with quality investment strategies and funds that meet client needs.

Societe Generale Asset Management is the trading name of a group of companies including Société Générale Investment Funds Limited, Société Générale Asset Management International Limited and Société Générale Asset Management UK Limited (all authorised and regulated by the Financial Services Authority).

Scottish Bond

The Scottish Bond helps you to realise the benefits of your tax-free allowance which the UK Government allows you to invest each month, tax-free, with a friendly society like the Scottish Friendly. Also, you are entitled to use this tax-free savings allowance even if you already have a cash ISA. However, if you choose not to save with a friendly society, you simply lose this benefit.

The Scottish Bond is a 10 year savings plan for anyone aged between 16 and 55. All you have to do is decide how much you want to save each month. Then, in 10 years, you will have a cash lump sum to help towards a wedding, home improvements, a new car or whatever you like.

When you take out a Scottish Bond savings bond, you are saving tax-free in two different ways. First, differently to other savings accounts, your money grows, tax-free, and Second, you do not pay tax on the payout when your savings bond matures at the end of the 10 year period.

Money invested in the Scottish Bond is actually invested in the Scottish Friendly With-Profits fund, which in turn is invested in a broad range of assets, with the specific aim of returning long-term growth. When coupled with the aim of delivering a guaranteed minimum cash sum at the end of 10 years investment period, helps to make this savings bond a safer way to invest (consult a qualified Financial Advisor for full details before you invest). The actual guaranteed cash sum is based on a minimum expectation and a combination of the age of the investor and the amount paid in each month.

How could the Scottish Bond grow?

The Scottish Bond offers two ways to grow over the 10 year investment period. First, a guaranteed minimum cash sum, and Second, Potential Bonuses, which are the main long-term growth potential of your Scottish Bond.

As a condition of the tax benefits, the Scottish Bond automatically includes a small element of life cover which ensures that on death your estate will receive at least your guaranteed minimum cash sum plus any locked in bonuses. The amount of life cover depends on your age, your health and the amount your pay in. For example, someone taking out a Scottish Bond aged 30 will have a greater level of life cover than someone aged 55. You should ensure that you consider all the benefits under this bond for your own financial needs.

Apply now for Scottish Bond

For full details on the Scottish Friendly Scottish Bonds savings plan, including suggested investment plan returns, life cover projections and to apply online, visit the Scottish Friendly website.

Scottish Friendly Assurance Savings Bonds – Child Bonds

Child Bond

As most parents will tell you, Children grow-up so quickly that they will have left home before you know it. This is when the bank of Mum & Dad starts, so what better way of planning than with a Child Bond from Scottish Friendly. Saving just £10 to £25 a month with the Scottish Friendly Child Bond could make a big difference when the Kids are older. Who knows what their financial needs will be and also, what financial circumstances you will be in.

You can take out a Child savings bond for any child under the age of 16. It could be for your grandchild, godchild, niece, nephew or any other child you want to help. The savings bond is the property of the child and as such, they will be sure to be very grateful when it matures. The Child Bond is a specially designed tax-free with-profits savings plan which runs for a minimum of 10 years. It gives two main benefits. First, all growth is tax-free and Second, the child has no income tax or capital gains tax to pay on their payout.

You can take out a Child Bond whenever you like: it doesn’t have to be for a special occasion. The sooner you start saving, the bigger the payout the child will receive at the end of the bond life you choose. Premiums paid into the Child Bond are invested in the Scottish Friendly With-Profits fund which invests in a range of assets for long-term growth, as well as providing a degree of security in the form of a guaranteed minimum cash sum at the end of the bond’s life. Life cover for the child is also included with this plan so you should consider if this is appropriate for their financial needs.

There are two options for saving – Regular saving: You can save between £10 and £25 a month or between £120 and £270 a year; and Lump sum saving: This provides a way for you to take care of all your premiums at once and is especially popular with grandparents who like the reassurance of knowing all premiums for the full term of the plan are taken care of. It works by using your lump sum to set up a funding plan which invests in Scottish Friendly’s taxable fund and guarantees to pay the annual premium into your tax-exempt Child Bond.

If you invest the maximum lump sum of £2,340 for a 10 year period, this actually invests £270 a year into the Child Bond – a total of £2,700. The minimum lump sum of £1,040 provides £120 a year for 10 years – a total of £1,200. Note: Amounts correct as of 1st March 2010. If you want the payout to mature on an 18th or 21st birthday, you may need the Child Bond to run for longer than 10 years. For example, if your child is 3 on their next birthday and you would like the Bond to mature on their 18th birthday, you would need a 15 year term – the maximum lump sum you could invest would be £3,190.

How could the Child Bond grow?

You have the reassurance of knowing that, at the end of the bond duration you chose, the child will get back a guaranteed minimum cash sum which protects part of the total amount invested. The child’s actual guaranteed minimum cash sum will depend on how much you pay in each month. At first, the guaranteed minimum cash sum will be less than your total payments into the bond, however it is designed to grow through the addition of bonuses.

The main long-term growth potential of the Child Bond is through the addition of regular bonuses and a potential final bonus. The value of any regular and final bonus added is based on how much profit the bond fund makes. Future bonuses are not guaranteed.

Apply now for the Child Bond

For full details on the Scottish Friendly Scottish Bonds savings plan, including suggested investment plan returns, life cover projections and to apply online, visit the Scottish Friendly website.