Income Protection Insurance - What Is It and Do I Need It?

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In the current climate, it’s fair to say that we are all so grateful for our income. The last year or so has been really tough on so many people financially, and we’ve all realised the importance of a roof over our heads and food in the cupboards.

With that in mind, why are so many of us unprotected when it comes to life insurance? And particularly income protection insurance? It makes total sense to insure your income, so that if you are unable to work due to injury or illness, you can continue to keep the bills paid and the family warm and fed.

About income protection insurance

Income protection insurance sits under the umbrella of life insurance. When you take out an income protection policy, you pay monthly to your provider to allow you to claim if you were to become too ill or injured to go to work for a prolonged period of time. Claiming on an income protection policy provides you with a percentage of your salary (usually between 50-70%) and enables you to continue meeting your financial responsibilities.

Income protection insurance is different to your standard life insurance policy as it is designed to pay out whilst you’re still around, rather than upon death. It also differs in that it pays out in regular, manageable chunks as opposed to one large lump sum.

8 tips for homeschooling - plus a free timetable printable

As we enter another lockdown and homeschooling is on the agenda for many families once again, it's important to be as prepared and organised as you can be to make the transition as smooth as possible. 

Hopefully these 8 tips will help to make being in charge of your child's education that little bit easier.

Although learning from home allows some flexibility, it's a wise idea to have a clear written schedule available that you and the children can see. Not only will this provide structure for your day, similar to school, it prevents you getting sidetracked. Try to stick to the school's timetable as closely as you can, including taking regular breaks - I've created a free template at the bottom of this post that you can download/print to assist.

Lap Land at Silverstone Circuit - A Festive Light and Laser Experience (AD)

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With Christmas upon us and many families looking for fun and festive entertainment, Silverstone stepped up to provide a light and laser spectacle - and you don't even have to leave your own car to enjoy it!

We were kindly invited to the brand new, COVID safe, Lap Land media preview earlier this month in Northamptonshire and it was definitely a unique and memorable experience. Nowhere else in the UK can you drive on the track at a prestigious racing venue (where the Formula 1 British Grand Prix is hosted) whilst watching such a colourful display.

Caring for Wildlife in Autumn and Winter

As the summer fades away and autumn returns, it's a nice idea to think about how the wildlife in your gardens will cope. Food can become scarce as the weather cools so by taking just a few minutes to care for the birds and other creatures it will not only help them to survive but it can be a great way for little ones to learn about caring for animals too! 

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You can make fatballs of your own as a source of food or purchase bird feeders for just a few pounds. Try to ensure that they are in a location where birds can access them with ease, without the risk of attack from cats and don't place them too close to windows. Keep them topped up all season and clean or replace them when necessary as a damaged feeder can cause injury. 

7 Tips for Beautiful Hair this Autumn

At this time of year, which sees the return of the cooler weather, our beautiful tresses can often suffer becoming dry, brittle and losing shine, but keeping your hair in great condition need not be as difficult as you think. 

These 7 simple tips should certainly help to keep your locks looking luscious until the arrival of spring - there is minimal effort involved too...

If you're entering the season with hair that is already damaged from the summer sun and chlorine filled pools (if you were lucky enough to get away) you may want to work on repairing it before the cold wind and rain worsens it. Look at purchasing some hot oil treatments or masks to deeply moisturise your hair. These can usually be used once or twice a week and they can really improve the condition.