Last minute ISA Ideas for 2012/13 Tax year

 

·         ISA ideas for different types of investors

·         14% of all HL ISAs opened in the last week of the tax year

·         HL Opening Times

 

Adrian Lowcock, senior investment manager at Hargreaves Lansdown offers his ISA ideas as this year’s deadline approaches:

 

“In the last two tax years 14% of all new ISAs opened on the Hargreaves Lansdown Vantage platform were opened in the last week.  Make sure you take out your ISA as once the tax year ends you have lost that allowance. To take out an ISA all you need is your national insurance number, debit card and cleared funds in the bank.”

 

Income investor

 

Invesco Perpetual Distribution – This fund aims to provide a regular stable income this fund invests in a mix of bonds and income-producing equities. Approximately two-thirds is invested in corporate bonds with the remainder invested in equities. Income is its primary aim and it makes payments to investors monthly.

 

Defensive investor

 

Newton Real Return – This fund is for investors who may need access to some of their capital in the medium term (but still in at least 5 years’ time). It therefore tries to offer some sheltering of capital and aims for more modest growth. The manager invests in a variety of assets and uses sophisticated techniques to try to profit from assets which fall in value.

 

Medium Risk investor

 

Troy Trojan – This fund is defensively managed and provides the potential to achieve a reasonable level of return over the medium term with a little less volatility than the very long-term, more aggressive portfolios.

 

Long-Term investor

 

CF JM Finn Global Opportunities – This suggestion is for investors with a long time horizon.  Therefore the focus is on more risky areas with greater potential to build wealth over the long term.

 

Junior ISA / Investing for Children

 

Lindsell Train Global Equity – The managers invest in global equities and have a long term buy and hold approach. This compliments those investing for children who often have very long-term goals in mind.

 

 

Hargreaves Lansdown end of tax year opening hours

 

Monday 25 – Thursday 28 March                               8am – 7pm

Easter Bank Holiday weekend every day               9am – 6pm

Tuesday 2 April                                                                 8am – 8pm

Wednesday 3 April                                                          8am – 8pm

Thursday 4 April                                                                8am – 8pm

Friday 5 April                                                                      8am – Midnight

 

ISA deadlines

 

Stocks & Shares ISA

 

Online                   Friday 5th April – 23:45                                    www.hl.co.uk/ISA

Telephone          Friday 5th April – 23:55                                    0117 900 9000

Postal                    Friday 5th April

 

Bed & ISA

 

Funds on Vantage                           Wednesday 3rd April – 17:00

Shares on Vantage                          Friday 5th April – 12:00

Funds/ shares certificated           Wednesday 3rd April

ISA Contribution limits

 

                                  2012/13                                2013/14

 

Stocks and Shares ISA                    £11,280                                 £11,520

Junior ISA                                            £3,600                                   £3,720

Frost’s Valentine’s Day Special

So it is that time of year again, where the lovers of the world show each other how they feel. Gift buying can be a nightmare so Frost has put together a guide.

You cannot go wrong with The Body Shop. They do not test on animals and always have great products. They do excellent gift sets and underwear may be a cliche but most women love something from La Senza.

Perfume is something that pretty much all women love. Get some at halfpriceperfumes.co.uk and then take your other half out for a meal with the money you save.

Shoes are the way to a women’s heart, and men are partial to them too. There are some beautiful shoes at zalando.co.uk

Get some excellent grooming products for the man in your life from mankind.co.uk

uk.loccitane.com products are classy and smell divine. I buy their hand creams for the people I love in my life.

Fifty Shades of Grey is still selling like hotcakes and it might get your women in the mood. No, not that one, the good one. You can get her the book on Christian Grey or some other erotic books from Amazon.co.uk.

Benefit Cosmetics are sassy, cool and well packaged, and that is before you even use the product. Perfect for the wow factor.

Forget the Valentine’s Day clichés, if you’re looking to ignite your lover’s imagination this year, then the Kobo Mini eReader is the perfect gift, at just £59.99 from WH Smith.

Proving that great gifts come in small packages, the Kobo Mini is the world’s smallest and most stylish eReader currently on the market. Preload your lover’s Kobo Mini with romantic poetry and love stories to truly get hearts racing – and with over 3 million ebooks to choose from and one million that are absolutely FREE, the Kobo Mini is a thoughtful gift that’s sure to seal the deal.

Coming with a 5” screen and device that holds over 1,000 ebooks, the Kobo Mini perfectly slips into a clutch bag or jacket pocket. Available in either black or white, you can customise your eReader by choosing from Kobo’s selection of signature quilted back interchangeable back covers that come in a selection of colours, designed for comfort.

Other great gifts include the Kobo Glo eReader – which comes with front-light, and Kobo Arc – Kobo’s new tablet which comes with tapestries to hold all your favourites so you can easily find them on the interface.

The Kobo Mini is available from WH Smith at £59.99 and all good retailers.

With Valentine’s Day coming up, award winning online marketplace notonthehighstreet.com is helping people make a truly meaningful romantic gesture this February with their innovative #Tweetheart campaign.

 

From today, anyone can tweet a romantic message (or comment on the notonthehighstreet.com Facebook page) using the #Tweetheart tag, along with their declaration of love, and notonthehighstreet.com will select five messages to bring to life with teams of musicians and artists in London.

• Five winners will receive a bespoke ‘live gift’ sent wherever in London the lucky recipient is to be found, whether in their office, at a restaurant or walking in the park.
• Specially selected acts will work with notonthehighstreet.com to create a surprise tailored to the content of the selected tweet or Facebook entry.
• notonthehighstreet.com will record the ‘live gift’ to create a lasting, romantic memento for the winers.
• #tweetheart follows on from 2012’s successful campaign with popular duo The Coopers.

The Itchy Feet Dance Academy: Thursday 14th February, Valentine’s event at Concrete, Shoreditch

WHAT: An evening of vintage dance lessons, pizza and cocktails to the sound of rock n roll, rhythm and blues and swing. Sure to get your feet moving, Itchy Feet dance instructors will be on site to teach you toe-tapping moves to dance the night away without the pressure of bright lights and the dreaded dance studio. Professional cocktail makers will be on hand to help you pluck up the courage to take what you’ve learnt to the floor and let your moves do the talking. You can also win prizes through a series of dance competitions during the night and raid a giant dressing up box to get you into the spirit.

WHERE: Concrete (under Pizza East), 56 Shoreditch High Street, East London, E1 6JJ

WHEN: Thursday 14th February 2013, 7.30pm till 1am

WHO: Itchy Feet’s resident DJ, Leo Bedford, will be playing a mix of rock n roll, blues and swing throughout the night. Itchy Feet dance instructors will be hosting a 90-minute dance lesson in a laidback venue to get hips swinging and souls beating.

TICKETS: Tickets are priced at £14 each or £25 per couple, which includes buffet pizza and dance lesson. For those wanting to just join the after party, post dance lessons and food, tickets cost £5. Buy tickets at http://buytickets.at/itchyfeet/7104.



Set Hearts Racing this Valentine’s with Sumptuous Sharing Steaks and Flirty Cocktails at Gillray’s Steakhouse & Bar

This Valentine’s Day satisfy your and your loved one’s heart’s desires with a unique Sharing Steaks menu and selection of bespoke, amorous ~Ish Gin cocktails available at Gillray’s Steakhouse & Bar. Located on the banks of the river Thames it is the perfect spot for romance.

Gillray’s own Executive Chef Gareth Bowen will be lovingly preparing a trio of 1kg, hand selected sharing steaks for you and your loved one to choose from and devour, all served with roasted cherry vine tomatoes, Portobello mushrooms and a choice of sauces.

Choose from the Chateaubriand 35 day dry aged Angus Beef Fillet steak, priced at £90 for two, Skirt Steak servedsliced from 35 day dry aged Angus Beef Plate steak, renowned for its flavour and priced at £40, or Gillray’s own signature Bull’s Head double rib chop, priced at £55. A selection of sides sourced from the finest producers in England including truffle and Old Winchester chips, Purple Sprouting Broccoli, Hazelnuts and Yorkshire Blue and Chili Roasted Local Squash.

The team at Gillray’s Bar has partnered with the London Dry ~Ish Gin to create an exclusive collection of cocktails – the prefect libations to inspire an evening of flirty romance, either as an aperitif or nightcap.

The selection includes:

Provocative – £10

~Ish Gin lusciously combined with velvet falernum and elderflower cordial, served with a scoop of champagne and elderflower sorbet

Stiletto – £10

~Ish Gin in a naughty combination with apple liqueur, fresh lemon juice a scoop of bramley apple sorbet

Chocolat~Ish £20 (to share)

A spicy combination of ~Ish Gin, red chilli tincture, dark & milk chocolate liqueurs and a touch of cayenne pepper, served in a tall martini glass

The Sharing Steaks Menu is available from Monday 11 – Sunday 17 February.

The ~Ish Gin collection of cocktails is available throughout February.

An English steakhouse of the finest design, Gillray’s Steakhouse & Bar pays homage to top quality beef. The menu features nine cuts of steak, with the Bull’s Head – weighing in at an incredible 1000g – at its helm, whilst the bar offers a selection of no less than 39 English gins.

Also available are a range of in-house gin infusions and tinctures including blood orange, cardamom and mandarin and fennel seed. Non-gin drinkers can choose from ten English beers, six English vodkas and a selection of the finest English wines.

Offering a sophisticated and stylish Thames-side destination, with stunning views over the illuminated Big Ben and the Houses of Parliament, there is simply no better place to enjoy English gin with a touch of vintage glamour.

Want a testosterone boost without an expensive injection?

Nature’s Plus T MALE puts the ‘super’ back into man

It’s all over the news – an increasing number of men are looking to Testosterone Replacement Therapy (TRT) to boost their flagging sex drives and inject some energy into their day.

Stressful careers, overindulgence and poor nutrition are all contributing to burnt out men, leading many to go to the extreme of having expensive testosterone injections. If you are looking for a injection of testosterone without a needle then why not try Nature’s Plus T MALE? The unique formula can be taken in tablet form and the all-natural ingredients mean you don’t have to worry about any of the unwanted side effects that can be associated with TRT.

High potency zinc found in Nature’s Plus T MALE aids maintenance of healthy, natural testosterone concentrations in men. Zinc supports fertility, while vitamin B6 reduces tiredness and fatigue and assists the regulation of hormonal activity. T MALE also provides the body with selenium, which offers nutritional support for normal sperm production (spermatogenesis) and calcium, another key mineral for the production of testosterone.

 

“GO ON, BREAK UP THIS VALENTINE’S DAY” – IT’S THE ANTI-VALENTINE’S DAY!

One in ten (15%) people have broken up with a loved one around Valentine’s Day, according to new research by Nationwide Building Society*. But the Society says “breaking up is not always a bad thing.”

“It all depends on the relationship and what you want to get out of it. If your relationship is not working, then change is not always a bad thing. For example, this Valentine’s Day we are encouraging those who have been let down by their bank or have a bad financial services relationship, to make the split and switch their current account to us, as we are a building society we do not have shareholders to satisfy we can focus on our customers.

 

 

Løv Organic loose leaf Rose tea, packaged in an eye-catching pink reusable tin, is the ideal blend of luxury, fun and romance this Valentine’s Day. The black China tea is lightly scented with organic rose blossoms for a wonderfully delicate flavour. The perfect present, it is available at John Lewis and Selfridges priced from £8.99.
www.lov-organic.com

Celebrate the 14th by indulging in a selection of Cocomaya’s exquisite chocolates and artisan cakes and biscuits. Heart-shaped all-butter shortbread biscuits (from £2.50-£3.00 apiece) come wrapped in beautiful packaging to make for the perfect present. For an intimate gift, create a bespoke Name Bar with white, milk or dark chocolate and finish it off with a sprinkle of glitter or personalised decoration, a quirky way to spell out your love. www.cocomaya.co.uk.

Give Your Man Morning Glory this Valentine’s Day

Make Your Valentine’s Day Go With a Bang with Rude Health’s Naughty Breakfast Range

Recent health studies show that when it comes to getting your man in the mood this Valentine’s Day it really is all about having your oats, and leading cereal maker Rude Health has the perfect recipe to put the passion into your Valentine’s Day breakfast.

The most common cause for not having sex is because people are too tired, with one in three married Brits even saying sex has become a chore. Well, top independent food producer Rude Health, which is stocked in Waitrose and Sainsbury’s, has come up with the perfect solution to keep Britain in the mood this Valentine’s Day with its energy boosting Morning Glory porridge.

Porridge oats are rich in a variety of vitamins and minerals that are known to affect how we feel. These include: zinc, vitamin B6, iron, folic acid, calcium and magnesium to name a few. It is reported that a single serving of porridge oats contains 17% of the required daily intake of zinc, therefore making porridge the perfect answer for sustaining you for longer in bed.

So forget the champagne, oysters and chocolate, make sure you feed your man a hearty bowl of Rude Health’s porridge to make your Valentine’s Day go with a bang.

Rude Health founder, Nick Barnard said: “At Rude Health we produce food that gives you enough energy to stay in rude health all day.

“We’ve always maintained that you should breakfast like a king and it’s interesting to see that most Britons now cite being too tired to have sex. Start your day with a bowl of porridge and you’ll get all the energy you need for morning activities of any kind.”

Pixengo: New iPhone App helps men deliver on Valentine’s Day

Looking for the perfect way to say “I love you” to your girlfriend or wife this Valentine’s Day? Are you too skint to buy a card or just too lazy to drive to the shop and buy one? Perhaps you’re inept enough to forget the date completely and spend the day frantically trying to arrange that ‘surprise’ gift or trip.

Fortunately, there is now a new way to send your loved one a Valentine’s Day message. It takes just a few minutes and doesn’t cost a penny.

Pixengo, an innovative new App for the iPhone available to download from iTunes, is FREE and allows you to add thoughts and emotions to still images by fusing them with 30 second sound bites. Record a funny message, whisper sweet nothings or even propose if you are brave. Let your photos do the talking!

Pixengo means you can send personalised Valentine’s Day greetings to your partner. Capture a photo using the App or select an existing one from your camera roll – perhaps one of you, a screenshot of the flowers you forgot to buy or the necklace you ‘definitely’ ordered that hasn’t turned up yet. If you want to enhance the image Pixengo comes complete with special creative tools and filters.

Add a recording and share privately (or publicly!) via your Pixengo stream, email, Facebook or Twitter with the one you love. If you mess up you can rerecord, simple.

Lucky recipients see the photo, click on a play button to listen to the sound clip and have the option to like or comment. They can view ‘Pixengos’ in a web browser on their mobile or a computer; they do not need the App.

Although some might see Pixengo as a get out of jail free card it actually complements traditional gifts brilliantly, earning brownie points for gentlemen who remember and prepare for Valentine’s Day in advance.

For instance, if you’ve arranged a surprise trip why not send your partner a Pixengo clue? Or a picture of the intimate dinner you’ve laid out for when they return from work, complete with a seductive message? Pixengo allows you to add the finishing touch to what will hopefully be a perfect Valentine’s Day.

Check out our examples (click on the play icon in the top left hand corner to hear the clip):

The mankini (it’s exactly how it sounds): http://new.pixengo.com/p/18GD7CM
A romantic dinner (not a brilliant effort!): http://new.pixengo.com/p/18GD5PA

Sealed with a kiss this Valentines at Flavour No5 Cavendish Sq

London’s hottest new restaurant offering

Wine, dine and impress your Valentine at the exclusive restaurant, Flavour at the beautiful and opulent No5 Cavendish Sq overlooking the picturesque views of Cavendish Square – the perfect backdrop for a romantic evening.

Exclusively for Valentine’s Day, Flavour at No5 Cavendish Sq are offering an exceptional Valentine’s dining package which includes a six course tasting menu lovingly prepared by Jamie Oliver trained chefs and a complimentary glass of prosecco complete with romantic background music to get you in the mood for love!

Pre-booking is recommended – for reservations please call Flavour at No5 Cavendish Sq on 0207 079 5003. Price per person is £35. For more information visit www.no5cavendishsq.com

Valentine’s Day Set 6 Course Dinner Menu 2013

Starters

Bruschetta of buffalo Mozzarella with smashed peas and broad beans in fused with lemon and mint dressing

Warm salad of wood pigeon with frisée, mâché, cranberries and raspberry and thyme dressing

Mains

Six hour porchetta with roast onion purée confit baby carrots, grilled baby leeks and fennel with calvados jus

Gnocchi with shiitake, oyster and portobello mushrooms in thyme cream sauce

Deserts

Wild strawberry fool

Chocolate, orange and pistachio semifreddo with candied orange

No5 Cavendish Sq are also offering diners who wish to continue the romance into the night a special room rate of £208 including breakfast and complimentary upgrade subject to availability.

On 14th, 15th and 16th February No5 Cavendish Sq are including a bottle of prosecco and chocolate covered strawberries with any hotel room bookings.

YOU MAKE ME FEEL LIKE A…. NATURAL APHRODISIAC

ONE of the last remaining tea producers in Britain, Higher Living is described as ‘the Rolls-Royce of tea’ and has firmly established itself as a leading expert in the world of herbal tea.

So much so in fact, that not only are the 23 blends 100% organic and extremely tasty, but three of them possess the natural ingredients needed to light up your Valentine’s night.

While some turn to alcohol to accompany a romantic evening, the health conscious and tee-total may have been lacking in assistance with sensual gusto… Well not anymore.

One for the ladies, Fennel is notably high in phytoestrogens, natural estrogen-like chemicals found in plants. In fact, in the 1930’s, fennel was considered to be used as a source for synthetic estrogen*. Ladies’, slip into something more comfortable and get the kettle on!

Chillies can fire you up in more ways than one. They contain the chemical capsaicin that can induce the release of endorphins to create a temporary high. Capsaicin also speeds up the metabolism and increases circulation, responses that are similar to those experienced when being intimate*.

One for the guys, Licorice has been used in ancient China for its love and lust provoking properties*. Research has revealed that the secret to Licorice could be the smell itself as it has shown to stimulate the male libido in a number of scientific studies**.

Higher Living Tea is priced from £1.99 RRP and available to buy from Asda, Tesco, Waitrose, Holland & Barrett, Planet Organic and Whole Foods.

Cornish Red mugs for Valentine’s Day

A pair of personalised Cornishware striped mugs make an unusual gift to say ‘I love you’ on Valentine’s Day. The two mugs come in a handsome striped gift box for £30 including p&p (+ £1.00 per letter for up to 12 characters on each mug) from Cornishware makers T.G.Green’s online shop. www.tggreen.co.uk Last orders for bespoke mugs is 10th February.

Sexy, Fun and Outright Awesome Valentines Day Gift ideas from Desire and Pleasure

Valentines Day is a time to show the one you love just how much you love them and what better way than getting up close and personal and taking things into the bedroom for some after hours fun!

This Valentines Day, unleash your inner sexual desires with the help of Desire and Pleasure and this range of sexy, fun products to try…

Dim the lights, start the fire and keep warm this winter whilst making signature Belvedere cocktails in the comfort of your own home.

Cosy up with your loved one and induce your creative juices this Valentine’s Day by making and drinking your very own Belvedere Cupid’s Bow. Served in a classic Martini glass, the easy to make cocktail is made with delightful splashes of simple syrup, lemon juice and half a dozen fresh raspberries – a real boost of sweet ingredient’s that can be enjoyed in true Belvedere style.


Belvedere Cupid’s Bow Recipe

50ml / 2 oz Belvedere Pure Vodka
15ml / ¼ oz Simple Syrup
20ml / ½ oz Lemon Juice
6 Raspberries
Dash Egg White

Shake vigorously and strain into a chilled martini glass. Garnish with a raspberry.

To push your mixology skills even further, try your luck at also making the Belvedere Skinny Swizzle and Belvedere Grapefruit Caipiroska. Please find images and recipes attached for your use (further Belvedere bottle imagery available on request).

For the full range of signature Belvedere cocktail recipes, please visit http://www.belvederevodka.com/browse-drinks.

What’s more, all profits made from sales on Desire and Pleasure are used to support the invaluable sexual health charity work of the FPA (Family Planning Association).

Check out these amazing umbrellas from Fulton. My favourite are the ones from Cath Kidston and Lulu Guinness

Palmes d’Or Rosé 2005 vintage, £120

Champagne Palmes d’Or Rosé 2005 was created more than 25 years ago by Mr Nicolas Feuillatte, as a tribute to an opera diva he once met in New York, where he was living at the time. With its sensual shape and honeycombed sides that capture the light to magnificent effect, Palmes d’Or Rosé 2005 Vintage makes the perfect drink to celebrate Valentine’s Day with extravagance and lavishness.

Available at John Lewis online.

Champagne Brut Rosé, £30

Salmon pink with silver tints, this sublime Champagne works from starter to dessert. Thanks to the large proportion of Pinot Noir grapes in the blend it offers up aromas of blueberry, blackcurrant and raspberry. Refreshingly dry, but with enough flavour to pair it with food, a chilled bottle of Nicolas Feuillatte Brut Rosé will be the ideal Champagne offer or to simply enjoy with friends on 14th February 2013.

Available at John Lewis Stores and John Lewis online.

The historical shopping store Selfridges has some excellent gifts. Clothes, make up and perfume all under one roof. There is nothing they do not sell, even fridges. (boom, boom)

Handmade from QVC this Valentine’s Day

“Spread a little bit of love on Valentine’s day and send all of your favourite people a Valentines card to let them know how much they mean to you. Happy Crafting!” – Stephanie Weightman, QVC’s Craft Expert

Fed up with the usual roses and shop-bought cards on Valentine’s Day? Why not get crafty to show your loved one just how special they are? Decorate the house, a card or simply create individual jewellery with love. Be thoughtful and creative this Valentine’s Day with QVC.

Martha Stewart Enchanted Heart Large Double Punch

Item number,  501115, QVC price £17.75

This upright punch creates crisp, perfectly shaped cut-outs. Great for decorating Valentine’s Day cards, scrapbook pages, party favours, or custom gift tags.

Martha Stewart Set of 12 Glitter Paints

Item number,  590909, QVC price £23.25

 

Features a collection of glitter paints in a variety of vibrant colours. Perfect for all craft painting techniques, including brush painting and detailing, sponging, stencilling, stamping and lots more.

Set of 5 Hearts & Sentiments Stencils

Item number, 590488. QVC price, £13.00

These stainless steel stencils are ideal for use as dry embossing templates for embossing on paper, scrapbook embossing and embossing with paste, as well as using for tracing and stencilling. Add another dimension to your paper crafts with this set.

Set of 60 Mini Rose Buds

Item number, 502148. QVC price, £9.50

 

Features bunches of mini rose buds in beige, peach, red, dusky pink and raspberry shades. Add a beautiful dimension to your Valentine’s Card making with these stunning fabric rosebuds, wire stemmed to allow perfect positioning.

Mother's Day Ideas

It is mothering Sunday on the 18th and Frost has sourced some gift ideas and treats for the special women in your life.

This Mother’s Day, treat your mum to exclusive and stylish gifts from Isabella Oliver 365. Select from luxurious and timeless pieces such as the Everyday Scarf, the Essential Skinny Belt or the Leopard Skinny Belt, perfect for any chic mum’s wardrobe. Spoil your mum this Mother’s Day and treat her
to a gift that she will always love. To view the collections visit IsabellaOliver.com . I love all of the collection, it is just effortlessly stylish.

FROM INDIA WITH LOVE ON MOTHER’S DAY

Mother’s Day is celebrated the world over, and this year British Airways will be flying in a special selection of Mother’s Day cards made with love from the Sreepuer village in Bangladesh.

The beautifully handcrafted cards have a deeper meaning than the words on the cover – as all profits are returned to Sreepur Village, a home for destitute women and children in rural Bangladesh.

Rob Jenkinson, who distributes Sreepur cards in the UK, said: “This Mother’s Day you can make two Mum’s happy as well as making a world of difference to the women of Sreepur. They do an incredible job to create these cards all year round, while bringing up their families below the poverty line. Every single penny makes a difference and goes straight back to the project.”

British Airways has supported the Sreepur project since it was established, helping with vital distribution flying a range of greetings cards into the UK, as well as retailing them internally in their Head Office.

The cards are made from jute, also known as Hessian, which grows in abundance in the area around Sreepur, helped by the ideal wet and warm conditions of the monsoon area. The cards are decorated with a combination of wheat straw and paper, with the finished product made from locally sourced natural products to a high standard.

Mary Barry, British Airways community relations manager said: “We’re so proud to be part of this project. I have seen first hand how the village has been transformed, thanks to the generosity of all the people who buy these cards and I would like to thank them for their contribution.”
There’s still time to buy a card before Mother’s Day on Sunday 18 March, please visit – www.thesreepurvillage.org

If you really cannot think of what to get her, try a gift card.

As demands of the modern day can make it increasingly difficult to dedicate time to the family, we need to make that extra effort to show our appreciation on important dates such as Mother’s Day. ‘Children’, both young and old, should be thinking of ways to thank their mums for those long years of suffering, even if they are not able to spend the day with them. To help with this, the UK Gift Card & Voucher Association (UK GCVA) has surveyed 100 modern day mums and found out what they would really appreciate this Mother’s Day. The top results included:

1. A day out with all the family;

2. To be excused from cooking and cleaning over the Mother’s Day weekend;

3. For a beauty or pampering session;

4. Peace and quiet for the whole 24 hours of Mother’s Day;

5. A voucher for her favourite clothing or make-up brand

The top entry of ‘a day out with all the family’ will not come as a surprise to many, however meeting this request by getting everyone together may be difficult for some families.

Andrew Johnson, director-general of the UK GCVA suggests using gift cards and vouchers to compensate for not being with your mum on Mother’s Day:

“An experience voucher (such as for a family day out at the zoo or a weekend away) is a great way for the whole family to enjoy a fun day out together, and mum can make the most of some quality time with the kids. A bonus of these gifts is that they can be redeemed at any time meaning that, if you’re unable to see your mum on Mother’s Day, the gift can be enjoyed at a later date.

Similarly, if you’re not able to spend the day with her, and she wants peace and quiet, why not send your mum away for a spa day by herself so she can unwind. There is a large selection of gift cards on offer that your mum can choose from for a spa retreat.”

Johnson continues:

“As mums are not generally that demanding of their children, many of you will need to think ‘outside the box’ for ideas to show your true appreciation on Mother’s Day. Gift cards and vouchers are an easy and effective way of doing this. To make up for not being around on the day, a further idea may be to give your mum a voucher for her favourite clothing store so she can treat herself.”

There are so many options available to show our mothers how grateful we are to them and all it takes is a little imagination to ensure that mum has a smile on her face on 18th March.

Love Your Mum with New Zealand Lamb

This Mother’s Day, let Mum put her feet up, and cook a meal that comes straight from the heart. This simple roast recipe is easy enough even for kitchen novices to try their hand at, perfect for a lazy Sunday afternoon with the family. For those who are looking for further inspiration, check out www.loveourlamb.co.uk to see New Zealand chef Peter Gordon teaching England rugby star Will Greenwood how to make this meal – live from 1st March 2012. You can view the video on Frost Magazine


Serves: 4-6

Preparation Time: 20 mins

Cooking Time: 2h 20


1 x 2 – 2.5kg leg of lamb

1 large red onion, peeled and chopped

4 cloves garlic, peeled and chopped (optional)

The leaves from 2 x 10cm stalks of rosemary

2 teaspoons fresh thyme leaves (or 1 teaspoon dried thyme)

2 tablespoons olive oil

4 medium parsnips peeled, topped and tailed, cut into chunks

1 bunch baby carrots, scrubbed

800g mashing potatoes, peeled and cut in half

100ml double cream

60g butter

1 medium head broccoli, cut into large florets

150g frozen peas

A small handful mint leaves, torn

1½ tablespoons flour

Preheat the oven to 180?C. Place the lamb in a roasting dish and poke a thin, small knife into it in about 20 places. In a bowl, mix the onion, garlic, rosemary, thyme and olive oil with some salt and pepper and rub this all over the lamb. Leave for 20 minutes, then rub it in again and place in the centre of the oven and roast for an hour.

Turn the lamb over and add the parsnips to the roasting dish along with half a tea cup of hot water. Roast for 45 minutes, basting the lamb with the pan juices a couple of times. Turn the lamb over again and add the baby carrots. It will be cooked medium (which is lovely for a leg of lamb) in another 20-40 minutes.

Boil the potatoes in lightly salted water.

Remove the lamb from the roasting dish and place in a dish loosely covered with foil. Rest in a warm place for 20 minutes.

Drain the potatoes into a colander. Using the pot they were cooked in, bring the cream and all but 1 tablespoon of the butter to the boil. Return the potatoes to the pot and mash them with salt and pepper. Keep a lid on the pot to keep it warm.

Bring another pot of lightly salted water to the boil and add the broccoli. Bring back to the boil and add the peas. Bring back to the boil and cook for 2 minutes. Drain, reserving the liquid, then toss with the reserved butter and mint and keep warm.

If you can place the vegetable roasting dish on the hob, then remove the vegetables. If not, pour the roasting juices into a saucepan. Place over a moderate heat, add the flour and stir to make a paste, then slowly add the juices from the leg of lamb and as much liquid from the vegetables as possible to make gravy. Taste for seasoning.

To serve: simply carve the lamb and arrange on warmed plates with vegetables, mash and gravy.


It’s the thought that counts
Now for some stats and facts!

Standard Life’s ‘Your Commitments, Your Future’ report reveals the nation’s true time and money spent on their parents – a clue to what mums might have in store this Mother’s Day.

Treating your parents:

* Adults in the UK spend just £13 a month on average on their parents, that’s just over £150 a year
* In comparison, parents in the UK are spend over three times as much, £456 a year on average, spoiling their children

Thinking about parents:

* Adults in the UK spend on average nearly half an hour (27 minutes) each day thinking about their parents
* However, women think about their parents significantly more than men, with women devoting 10 minutes more each day – that’s nearly 70 hours more each year!
* Women aged 18-24 spend almost three quarters of an hour (44 minutes) each day thinking about their parents, the most of any age group
* In comparison, men in the same age group devote half the time to their parents, just 22 minutes each day
* On the other hand, parents in the UK on average spend 41 minutes a day thinking about their children, with women aged 45-54 devoting almost an hour a day (58 minutes)

Who/what else do we spend time thinking about?

· Partner/Spouse – 50 minutes a day on average

· Work colleagues – 18 minutes a day on average

· Credit card payments – 11 minutes a day on average

· Investments – 6 minutes a day on average

· Current accounts – almost 4 minutes a day on average

· Pensions – 3 minutes a day on average

Julie Russell, Personal Finance Expert at Standard Life, said:

“We spend a lot of time thinking about our families and like to treat the people we love. So it’s worth remembering that planning our future finances can play a key role in our relationships with our loved ones. Whether we’re spoiling our mums with a well-deserved treat this Mother’s Day or planning a fun family break this summer, budgeting and looking ahead is essential. And with the end of the tax year looming, it’s a great time for us all to sit down with our families and think about how we can improve our finances to help us enjoy our family life even more.”

To help people better understand their financial and emotional commitments, Standard Life has published knowyourcommitments.co.uk with an interactive tool and thoughts on financially preparing for the future. Further help with financial planning is also available at yourfuturemoney.co.uk

Now for something a bit different, but an excellent idea.

Newcastle-based Shared Interest is an ethical investment co-operative that aims to reduce poverty in the world by providing fair and just financial services. The Society, which was started in 1990, is the world’s only 100% fair trade lender. Shared Interest accepts investments from UK based individuals as well as from businesses, schools, community and faith groups. Account values range
from £100-£20,000. All invested funds are then pooled and used to make low interest loans to fair trade businesses in the developing world. With the support of over 8,000 members the organisation
was able to lend £40 million over the last 12 months. The organisation has expanded its international
presence in the past three years opening offices in Kenya, Peru and Costa Rica. This regional presence
– and the vital local knowledge that the staff are equipped with – means that they are able to help
even the most remote communities by enabling them to access the credit needed to take goods to market.

www.shared-interest.com