Free Consultation

You can have a free initial consultation, with a financial adviser/advisor. There's no fee, no catch and no obligation on your part.  We can call you to arrange a time that suits you. No pressure, no problems!

It takes time to provide quality investment advice, so Millhaven, (Reading), gives plenty of time to gather all the necessary information, to provide the required investment advice, that you require and deserve.

Please feel free to call Millhaven on, (Reading), 0118 958 6562

E Mail Millhaven on:- stuart@slawes.fsnet.co.uk

Or click on NEXT below for direct message service.

And remember Millhaven, (Reading), offers:

Mortgage solutions, remortgaging strategies, pension planning, investment advice, protection plans, retirement options, drawdown, pension transferrs, and finanial planning for private clients and for corporate clients.

Some of the areas Millhaven cover:-

Reading, Wokingham, Newbury, Windsor, Eton, Ascot, Maidenhead, Henely On Thames, Marlow, Oxford, Bracknell, Slough, Cookham, High Wycombe, Wallingford, Hungerford, Swindon, Basingstoke, Camberley, Berkshire, South of England, London.

 

Economic Situation For:-

March  2011  (released 12/04/11)

Economic Cycle: Coming from recession into slow upswing.

Inflation (annual):

CPI (index used across Europe)   4.0%

RPI (all index)                                    5.3%

RPI (excluding mortgages)            5.4%

GDP (country's income) up 1 yr     1.8% 

GDP for the last 3 months up         0.5%

Average pay (2009 figs)               £25,948

Unemployment rate, Dec/ Feb 2011   7.8%,

Average house price Dec 2010 £162,763 (over 6 times average earnings - high). Too high for first time buyers. House prices expected to drop by up to 10% during the first part of 2011 according to commentators. Market semtiment - rather gloomy, with increases in fuel duty, VAT, and national insurance coming up early in 2011.

 

 

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Health insurance

Although everyone thinks it will never happen to them, illness, which alters lives permanently, can become a reality. Chances are, you know of someone, or have heard about a colleague that has been affected. These illnesses are never planned, often striking at a critical time. With state support largely focused on emergency treatment, health protection today has become increasingly important.

Whether you’re self-employed, totally responsible for your own mortgage or supporting a family, having a financial safety net can alleviate worries and hence speed up recovery. There are four main health insurance products on the market, each delivering very different levels of support.

Some offer crossover benefits, which is why seeking financial advice is important. We can help select the best product for your needs. Call us today for more guidance and let us help you find the best deal with the widest level of health protection.

If in doubt, disclose everything

At application stage for most health related insurance products, you will be asked all sorts of information. Never bend the truth, even a little. If the insurer finds out, they could refuse a payout at a time when you need the financial support most. Make known any medical diagnosis, treatment or tests you’ve undergone for major illnesses. You must reveal any medication you receive and if you’ve been turned down for cover elsewhere.

Other things which must be declared include:

· weight and height, which is used to calculate your body mass index;
· HIV tests;
· hazardous pursuits;
· lifestyle habits, including smoking and alcohol consumption.

Roughly five per-cent of applicants are asked to take a medical. These tests normally apply to higher risks or people wanting large sums insured.

We are licensed to provide advice on whole of market term products.

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