Friday, 14 July 2017

The Long Road To Leaving A Legacy

Most parents hate the idea of their kids being left with nothing when they eventually pass away. Instead, you want the money you have worked hard for to go straight into their hands, be it in the form of cash or assets. 
But, with taxes and other fees, it can be very hard to see this happening with your funds. Unfortunately, to ensure that your kids get the most they possibly can, you have to do some work. To help you out, this post will be going through some of the best ways to leave a legacy for your kids. It’s best to start as early as possible with something like. 
In some cases, people will start long before they even have children.

apartment, architecture, balconies

  • Property

One of the best options you have regarding a legacy for your kids is property. Unlike cash, it’s very difficult for a home to be chopped up by the taxman. Instead, your kids will only have to pay a little bit towards their new home
Of course, a home isn’t exactly cheap. But, this shouldn’t matter. Most people will want to own their own property by the time they have a family, anyway. 
So, this will probably fall in-line with your normal goals. 
If not, you can look into other options to give your kids something physical when you pass. Other high-value items include gold and other precious metals or gems. But, these won’t be anywhere near as secure as property or the other options on this list.

buy, cash, coins

  • Investments

Along with investing in property, you could also consider some other investments. There are loads of methods to store your money which will result in passive income generation.
For example, if you invest in the shares for a business, you will be able to take a slice of their revenue once they’re making money.
Or, if you invest in stocks, they could be sold at a later date for a lot more than they were bought for. Bonds also make great investments to pass down to your children, as they are almost entirely risk-free. These sorts of investments don’t only benefit your kids, though. 
Along with leaving a good legacy, they could also help you to make a little bit of extra cash each month. This will help you to save even more, or spend something on yourself once in awhile.

couple, elderly, man

  • Life Insurance

This next option is arguably the very best for leaving a legacy for your children because it’s designed to be used in this way. Life insurance is built from payments which are made throughout your life. Then, when you pass, the money will be given to your kids. 
This will be entirely tax-free, ensuring that they get every penny of it. And, it can be a great way to give them more than you’ve saved. 500k life cover will rarely ever cost you half a million, even after years of putting money into it. 
But, through investing your money, the company providing it to you will be able to guarantee that your kids will get the full amount.
It’s best to start this sort of policy early, as you will be expected to contribute a large percentage of the funds. So, the earlier you start, the smaller the monthly payments will be.

  • Teaching

A lot of young people struggle with money. The skills required to balance a bank account aren’t taught in schools. 
So, people have to learn these skills for themselves. This is alright for some. But, for others, more help will be required. From an early age, your kids can be exposed to money and the decisions that come with it. 
You can teach them to look after the small amount of money they have. And, you can help them to be responsible with it when they have more. Very few kids have a true understanding of the value of money. But, this is something which can be taught quite early on. 
A lot of parents encourage their kids to get a weekend job once they’re in their early teens. This will teach them what it takes to earn money, and what money is worth regarding hard work.

Hopefully, this post will inspire you to start working hard on the legacy you leave your kids. A lot of parents don’t put this sort of effort in. But, it can be an excellent way to give you kids a great start in life. And, it means you can rest assured that they’ll be looked after when you’re gone.

*Collaborative Post*

Tuesday, 11 July 2017

Leighton Denny // Nail Elixir

You can't beat nicely painted nails.
Getting them done at the nail salon or doing them yourself at home it gives you that instant pick me up!

Being a mum of four I don't often get a spare moment to pop out to get my nails done, so I often do mine myself.

I was recently sent a some nail goodies from Leighton Denny

and a new polish Viva La Diva.

Normally when I do my nails, I just do them quickly and bypass buffing and undercoats, so it was nice to take the time to actually do it properly.

I cleaned away the chipped varnish that I had on my nails and then buffed them up with the buffer and they came up super shiny.
I nearly left them at that, but was pretty excited about trying out the new Nail Elixir.

Nail Elixir 

A new nail treatment for ridged, ageing nails that lack moisture and smoothness.

Secret ingredients ...

Collagen - helps promote youthful and healthy looking nails.
 Chrono-peptide - strengthens, hydrates and protects.
 Lime-tree extract and citric acid - whitening

How the Experts do it -

Brush two thin layers onto clean, dry nails, and repeat bi-weekly to build up treatment for increased results. 
It can also act as a base for applying colour, and will continue to treat nails during polish wear.

I was very impressed even after I had applied the first coat.
My nails looked 10x healthier and I loved the shine that came off them.

I've been using it as the Leighton Denny experts have suggested and I'm ridiculously in love with the results.

As well as the elixir I have been using this gorgeous Viva La Diva colour,
It's just perfect for summer and instantly brightens up my day when I look down at my nails.
The first time I used it I had a few mums at school point them out and say how much they liked them!

The experts recommend two coats, but I have only been using the one coat and it still gives off an amazing result.

Leighton Denny have a beautiful range of nail varnishes, you can check them out here.
All are very reasonably priced and you're sure to have salon looking nails at the end of your DIY manicure.

Sunday, 9 July 2017

MySundayPhoto // Flying High...

We took the boys off to Snettisham Beach this morning to test out the kites the twins were given for their birthday.

They flew better than we thought they would and they were super easy to put together.

Even little Ru was able to keep control of the bumble bee one.