Tel: 01226 741000

Pupdate – Society names Support Dog

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Sheffield Mutual Friendly Society has worked with Support Dogs for the last 4 years and we were pleasantly surprised when they asked us to name one of their dogs in training. After lots of help from our Facebook followers and a vote including staff and Committee members, we went with Smurf, and here she is…

Smurf… Sheffield..Mutual..Friendly Society.smurf

Smurf is two years old and arrived at Support Dogs from Battersea Dogs Home, as her previous owner could no longer care for her.

She is currently completing her initial general training stage with the charity before identified as being best suited for a specific programme. The charity runs three programmes of support: Epilepsy seizure alert dogs, Autism assistance dogs for children aged 3 – 10 and disability assistance dogs providing safety and help with day-to-day tasks for those affected by a wide range of physical disabilities including MS, Cerebral Palsy and Spinal Cord Injury.

Danny Anderson, Fundraising Manager at Support Dogs said “Despite her difficult start in life, Smurf is a real people lover. We think she has the potential to be a great support dog and are looking forward to updating you on her progress.”

Please see our other ‘Pupdate’ blogs to find out more about Support Dogs and how Sheffield Mutual is helping them to provide Support Dogs For Autism, For Epilepsy, For Disability.support-dogs-blue_new-strap_reverse-blue-cropped

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PRESS RELEASE: Sheffield Mutual Staff and Committee Members become Dementia Friends.

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Local friendly Society Sheffield Mutual is about to celebrate its 125th birthday next year and whilst it has been around for a long time, it seems to be a well kept secret. As part of the Society’s heritage, it likes to be involved with charities and the community – having made charitable donations throughout the years via various donation schemes,
staff fundraising, their Community Fund and Mutual Friends Scheme®.

This month, the Society’s staff and Committee members undertook the one hour session to enable them to become Dementia Friends.dsc_4120

Alzheimer’s Society’s Dementia Friends programme is the biggest ever initiative to change people’s perceptions of dementia. It aims to transform the way the nation thinks, acts and talks about the condition.

Business Development Manager at Sheffield Mutual, Dawn Gregory said: “Alzheimer’s and Dementia touches so many lives and with an ageing population, it is important that people have more awareness about Dementia and understand how by making small changes, you really can make a big difference to people living with Dementia.”

The Alzheimer’s Society has set an ambitious target of reaching four million Dementia Friends by 2020 – could you spare an hour of your time now to help you make a change that will last a lifetime?

For further information please contact Business Development Manager Dawn Gregory on 01226 741000 or email enquiries@sheffieldmutual.com

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A boost for Children’s Savings by Curtis Parker

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Curtis Parker

Curtis Parker, Client Relationship Administrator

 

The Chancellor, Philip Hammond, has earlier this week (23 November 2016) announced an increase in the Junior ISA limit from 6 April 2017. The subscription limit usually increases each year in line with Consumer Price Index (CPI) and will rise from £4,080 to £4,128.

Since Junior ISAs or JISAs were introduced back in November 2011, over 2 million accounts have been opened and last tax year saw over 738,000 accounts opened and £921m subscribed, according to Treasury figures.

Why a Junior ISA?

Junior ISAs are long term tax-efficient savings for children that were introduced by the Government to replace the Child Trust Fund and to encourage parents to start saving for their children’s future.

There are two types available – cash and stocks and shares and a child can hold both types at any one time providing the annual subscription limit isn’t exceeded. Whilst the account has to be opened by the child’s parent or guardian, anyone can pay in and the returns received by the child on maturity will be paid tax-free.*

Cash or stocks & shares?

According to Treasury figures, 60% of parents who took out a Junior ISA in the 2015/16 tax year chose cash over stocks and shares. Banks and building societies tend to offer better rates on children’s savings accounts, including junior ISAs, when compared to interest rates offered on adult cash ISAs.

However, stocks and shares junior ISAs should not be overlooked as the stock market has historically out-performed cash savings over the long term. If you have a cautious approach to investing you can still consider some types of stocks and shares Junior ISAs. Sheffield Mutual’s Investment Junior ISA is classed as stocks and shares but we use a process known as ‘smoothing’ where we iron out the ups-and-downs often associated with investing so it could suit parents who have a cautious approach to investing.

My child has a Child Trust Fund, can they have a Junior ISA?

If your child was born between 1 September 2002 and 2 January 2011, you would have received a voucher from the government to open a Child Trust Fund account. If you didn’t open an account, the government will have done so on your behalf and you can find out where you child’s account is held at http://www.hmrc.gov.uk/tools/childtrustfundclaim/ctfaccount.htm.

If your child has a CTF they cannot have a Junior ISA, but you can now easily transfer a CTF account to a Junior ISA if you’re unhappy with the performance or wish to take advantage of the greater choice available in the Junior ISA market.

This blog provides generic information and opinions of the writer and should not be relied upon for making investment decisions. No advice has been provided by Sheffield Mutual. If you are in any doubt as to whether a savings or investment plan is suitable for you, you should consider contacting a financial adviser for advice. If you do not have a financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk or www.vouchedfor.co.uk. Advisers may charge for providing such advice and should confirm any costs beforehand. Any reference to taxation is based on the writer’s understanding of current tax legislation and practice, which could change in the future.

* This is based on our current understanding of tax legislation, which may vary in the future.

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Pupdate – Sheffield Mutual and its staff have now donated over £25,000 to Support Dogs!

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Support Dogs is a national charity based in Sheffield who provide and train dogs to assist people with disabilities and autism. They also train seizure alert dogs to provide a 100% reliable warning of up to 50 minutes prior to an oncoming seizure – essentially they are giving people their lives back.

This year the staff at Sheffield Mutual chose Support Dogs as their charity of the year. As well as donations from the Society itself, three members of Sheffield Mutual’s staff have completed a 15,000ft skydive raising over £2,000 between them and are looking for more ways to be involved with the charity and help to raise some much needed funding and awareness.

 

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Alzheimer’s Society, Dementia Friends and Sheffield Mutual

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I met with Zoe from the Alzheimer’s Society earlier this week to talk about what they do, who they help and their plans for the future.

Dementia can happen to anyone and there’s currently no cure. There are 850,000
people with dementia in the UK and the number is set to rise to 1 million by 2021.

At Alzheimer’s Society, they believe passionately that life doesn’t end when dementia begins. They are there for anyone affected by dementia, and do everything they can to keep people with dementia connected to their lives and the people who matter most.

There are 6,695 people living with dementia in Sheffield alone. Living with dementia can be a frightening and isolating experience and caring for a loved one with the disease can be challenging. In Sheffield the Alzheimer’s Society run peer support services such as dementia cafes, Singing for the Brain and activity groups. They also offer 1-2-1 support through their Dementia Support Team. Just last month, 850 people in the area accessed
their local services for support and many more rang the Helpline or received advice leaflets and logged onto their online community.

All the Sheffield Mutual staff will soon be “Dementia Friends” – Zoe will be visiting us for an interactive presentation to enable us to become Dementia Friends. Alzheimer’s Society’s Dementia Friends programme is the biggest ever initiative to change people’s perceptions of dementia. It aims to transform the way the nation thinks, acts and talks about the condition. Anyone can become a Dementia Friend and whether you attend a face-to-face Session or watch the online video, Dementia Friends is about learning more about dementia and the small ways you can help. From telling friends about Dementia Friends to visiting someone you know living with dementia, every action counts.

For more information about Dementia Friends please visit :- https://www.dementiafriends.org.uk/

There are other ways you can get involved too…

Become a Dementia Friends Champion…
There are over 10,000 volunteer Dementia Friends Champions encouraging people to learn a little bit more about dementia. Champions are trained and supported by us to run Information Sessions in their community and help inspire others to help those living with dementia live well.
‘Becoming a Dementia Friend Champion has undoubtedly been one of the most positive and exciting things I’ve done’ – Jane Gilby, Dementia Friends Champion

Organisations large and small..
The Alzheimer’s Society works with all types of organisations from large to small across the private, public and third sector and supports them to roll out Dementia Friends to their workforce.

To find out more about Alzheimer’s Society you can contact Zoe at :- zoe.barraclough@alzheimers.org.uk visit www.alzheimers.org.uk or :-

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Was your child born in the UK between 1st September 2002 and 2nd January 2011? If so, you should read this…

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Savings for Children

If your child was born between the dates above, the likelihood is that they have a pot of money sitting in a Child Trust Fund (CTF) account somewhere.

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The Government allocated between £50 and £250 (up to £500 for low income families) as an initial deposit (depending on your child’s date of birth) and in some cases even made further top-up payments at age 7. So, there could be a pot of over £1,000 waiting for your child, without you even knowing about it!

There are lots of parents out there who are not aware about their child’s government funded CTF.

Initially the government issued vouchers to parents to let them have their own choice of where to set them up, in many cases they were received but forgotten about and in some cases due to change of circumstances people didn’t receive the original communication at all. In these cases, so the child didn’t miss out on their allowance, the Government decided to open the policies for them and these accounts were allocated to a selected panel of providers all over the UK, including Sheffield Mutual.

Whilst the Government contributions have now ceased, the policies still remain in force and will do so until they mature when the child reaches age 18. Currently (as at 07/09/2016) you can contribute up to £4,080 in-between each birthday for your child so you have the potential to build up quite a nice tax-free* lump sum for their 18th birthday.

CTF_C_RGB300DPI-webIf you don’t know where your child’s CTF is held,you can find out by submitting your details here:- http://www.hmrc.gov.uk/tools/childtrustfundclaim/ctfaccount.htm

If you locate your child’s CTF but aren’t happy with where it has been placed, you can transfer to another CTF provider or, you can now also transfer to a Junior ISA (JISA). Sheffield Mutual accepts both CTF to JISA / CTF to CTF transfers and you can find out more here :- http://www.sheffieldmutual.com/childrens-savings

This blog provides generic information and opinions of the writer and should not be relied upon for making investment decisions. No advice has been provided by Sheffield Mutual. If you are in any doubt as to whether a savings or investment plan is suitable for you, you should consider contacting a financial adviser for advice. If you do not have a financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk or www.vouchedfor.co.uk . Advisers may charge for providing such advice and should confirm any costs beforehand. *Any reference to taxation is based on the writer’s understanding of current tax legislation and practice, which could change in the future.

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Back to school…

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Web JISA Front CoverThis week the internet and social media has been flooded with pictures posted by proud parents, of their children in their new uniforms on the first day of school!

A new chapter has just begun – one of many. Parents all over the country have been preparing for this one day for months… buying school uniforms, school bags, lunch boxes and mountains of stationery. Organising the school run, perhaps sorting out going back to work or changing their hours. Preparation is key for these major life events, so the earlier you start.. the better!

School is such an important part in a child’s life, all parents want to make sure that their children get a good education to prepare them for future adult life but, just as important, is preparing for the child’s financial future… Soon it will be college to contend with, the cost of books, travel, IT equipment and other required kit can really mount up.

Soon after that, the bank of Mum & Dad becomes even more important,  they’ll be needing help with University fees, a new car or help with a deposit for a house/flat.

By putting the building blocks in place now you will be building the foundations to a bigger and brighter future for your child/grandchild. Helping them to achieve their dreams, knowing that you’ve made preparations and that money shouldn’t be an issue.

Sheffield Mutual has a range of children’s savings plans: Junior ISAs that mature on their 18th Birthday, or if you want a longer term, you can set up one of our Tax-Exempt or Regular Savings plans for up to 25 years – you choose when the child gets the funds.

Plans start from just £5 per monthDownload our free “Saving and Investing for Children” guide today and let Sheffield Mutual help you to prepare for their tomorrow..

Already have a Children’s Savings Plan with us?

The guide will still be useful – we may have another plan for children which you’ve not spotted before. Whether it be a small regular amount you wish to save or a single one off lump sum we could have just what you are looking for…

This blog provides generic information and opinions of the writer and should not be relied upon for making investment decisions. No advice has been provided by Sheffield Mutual. If you are in any doubt as to whether a savings or investment plan is suitable for you, you should consider contacting a financial adviser for advice. If you do not have a financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk or www.vouchedfor.co.uk . Advisers may charge for providing such advice and should confirm any costs beforehand. *Any reference to taxation is based on the writer’s understanding of current tax legislation and practice, which could change in the future.

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Pupdate from Support Dogs & Staff Skydive raising over £1,000…

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Support puppy coatBusiness Development Manager Dawn Gregory has now completed her Skydive in aid of Support Dogs – raising a fantastic £1,056! She said

“Having worked with Support Dogs for the last 4 years, seeing the work that they have done and meeting with the people that they have helped, I wanted to go the extra mile (well 3 miles up actually!) and raise as much as possible for this amazing life transforming charity. It is definitely a once in a lifetime experience but I’m so pleased I’ve been able to make a difference.”

Skydive Thumbs up

There’s still time to sponsor Dawn https://www.justgiving.com/Dawn-Gregory3

Support Dogs have sent us an update on some of their partnerships below:-

Gregor and Farley :

We are delighted that our autism assistance dog partnership between 10 year old Gregor and Autism Assistance Dog Farley has qualified this summer. Gregor’s mum explainsGregor and Farley

“Autism can very disruptive, and sometimes our family
could spend so much time split in two, as Gregor struggled leaving the house, with Gregor getting very distressed. So we had to take it in turns to be with him while trying to go with is older sister. Thanks to Farley and Support Dogs, going out together as a family of four for long walks has been amazing. Gregor loves watching Farley run, and having him hold on to Farley’s harness adds an element of safety, as Gregor has no sense or danger or awareness of risks crossing the road.”

Kym and MarleyKym and Marley 2

Three year old red Labrador retriever, Marley was being sold on second hand buy and sell website Preloved, after his owners could no longer look after him and had been living in his family’s garden and was rarely exercised. Support Dogs found his listing and went out to assess him and found he had the potential we were looking for.

Following 18 months of training Marley was paired up with Kym who has a degenerative condition which causes constant pain and greatly affects her mobility, making even the simplest of everyday tasks difficult. Kym said:

“Having a support dog has had such a massive impact on my life. Before I had a dog, I hadn’t left the house for over a year. I had no confidence and my family was worried about me. With Marley I have my life and my independence back and it is all thanks to Support Dogs.”

Fudge

Fudge

Pug Terrier cross Fudge has just been accepted on to our training programme after an 8 week assessment. Fudge came to the charity after being discovered by a rescue centre run by the Blue Cross. Support Dogs recruits dogs from rescue centres and unwanted pets who have the potential to make it as support dogs.

Something for you to watch:-  We recently filmed a lovely 3 minute film about Bobbie and Support Dog Poppy. It shows the amazing impact that your support is making happen to the lives of those affected by a range of disabilities. You can view it at https://www.youtube.com/watch?v=DKMQ13_jaMo

A breath of fresh air National Trust’s Longshaw Event are organising a 10k run every last Sunday of the month. It is free to take part and you can raise sponsorship for Support Dogs in the process. For more details visit www.supportdogs.org.uk or email fundraising@supportdogs.org.uk There are also plenty of other challenges to take part in from cycle rides to Skydiving so please get in touch.

Volunteering We are urgently looking for foster carers, to provide homes during evenings and weekends for our support dogs in training. We are also in need of those who can help raise funds at various local events. If you can help at all with any of this or would like more info please email fundraising@supportdogs.org.uk

Sponsor a support dog From just £4 a month you can sponsor one of our wonderful support dogs and help our work for those affected by autism, epilepsy and disability. You receive a lovely welcome pack with a soft toy and an update 3 times a year. For more details visit www.supportdogs.org.uk

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Focus on the Income Bond…

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  • INC BOND Invest a lump sum between £5,000-£100,000
  • Potential for capital growth through bonuses
  • Take between 2%-5% income – monthly/quarterly, half
    yearly or annually with no immediate tax implications*
  • Capital guarantee after 5 years
  • Current interim bonus rate (@ 06/07/2016) 3%

Bonuses are not guaranteed and depend on the performance of our with-profits fund.

*Based on our understanding of current tax legislation and practice, which may change in the future.

We suggest a minimum term of 5 years, otherwise an early surrender penalty may apply.

Income-Bond - How the income works 20160608_Page_1

Income-Bond - How the income works 20160608_Page_2

Great growth potential for your investment

We invest in a range of low to medium risk assets with the aim of providing higher returns than would be achieved with a bank or building society.
See where we invest your money below:


asset allocation

Web income bond cover

Find out more about Sheffield Mutual’s Income Bond

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This blog provides generic information and opinions of the writer and should not be relied upon for making investment decisions. No advice has been provided by Sheffield Mutual. If you are in any doubt as to whether a savings or investment plan is suitable for you, you should consider contacting a financial adviser for advice. If you do not have a financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk or www.vouchedfor.co.uk . Advisers may charge for providing such advice and should confirm any costs beforehand. *Any reference to taxation is based on the writer’s understanding of current tax legislation and practice, which could change in the future.

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Focus on the Investment Bond…

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  • INV BONDInvest a lump sum between £1,000 – £50,000
  • Guaranteed minimum return of at least 103% after 5 years
  • Money is invested in our balanced with-profits fund
  • Open ended term – save for as long as you like*
  • Current interim bonus rate (@ 06/07/2016) 2.75%

Bonuses are not guaranteed and depend on the performance of our with-profits fund.

*We suggest a minimum term of 5 years, otherwise an early surrender penalty may apply and you could get back less than you invested.

Great growth potential for your investment

We invest in a range of low to medium risk assets with the aim of providing higher returns than would be achieved with a bank or building society.
See where we invest your money below:asset allocation

Web Investment Bond Cover

Find out more about Sheffield Mutual’s Investment Bond

social posts-28

This blog provides generic information and opinions of the writer and should not be relied upon for making investment decisions. No advice has been provided by Sheffield Mutual. If you are in any doubt as to whether a savings or investment plan is suitable for you, you should consider contacting a financial adviser for advice. If you do not have a financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk or www.vouchedfor.co.uk . Advisers may charge for providing such advice and should confirm any costs beforehand. *Any reference to taxation is based on the writer’s understanding of current tax legislation and practice, which could change in the future.

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