Individual Savings Accounts

Individual Savings accounts (ISAs) – Use it or Lose it.

For many years I have been used to preparing and presenting on an ongoing basis for my previous colleagues at NatWest Bank. I now find that I am presented with the task to present at the Hoskin Educational workshop and have some fear running through my body. Why do I feel like this? Is it because now I do not have that comfort blanket of things being familiar. I am being placed into the unknown.

The first port of call is what do I present about. The open market option in relation to annuities, retirement planning and pensions, pension sharing orders, Income replacement, the list is endless. After giving this a lot of thought I decided upon Individual Savings Accounts (ISAs), the reason being is I have a lot of questions from clients on ISAs the dos and don’ts the allowances and options available.

Now ISAs where supposed to be easy to understand and relatively straight forward. However this never became the case what with Mini’s and Maxi’s, Cash, Stocks and shares, Life Assurance and finally TOISA’s. Confused yet?

Having now decided upon my subject I needed a title or a strap line – Use it or Lose it makes perfect sense with an ISA – it does exactly what it say’s on the tin!!

I knew I had heard this line before so I googled it and returned several options with one of those being Fitness, I can certainly relate to that.

Now so far I have a subject and strap line the next is to prepare a Power Point Presentation. Now I am really scared having never used power point in my whole entire life. According to Mr Paul Hoskin “you’ll have no problems and easily get the hang of it” I wish my confidence level was as high as his.

However I managed to muddle my way through with a bit of trial and error and eventually built my presentation. Paul then kindly tied it up for me and I was really pleased with the end result.

Now the day of the Hoskin Educational Workshop came round very quickly and no sleep was had the night before. I arrived at the Marks Tey Hotel in Colchester with plenty of time to spare. After the drive when I arrived I felt quite calm and confident. That was until I was asked to be miked up as they were going to video me and upload it to our website. Suddenly I have sticky hands and developed a tremor.

Breakfast came and went with me only managing a few beans and half a slice of bacon, it was now my turn to take the limelight. The first few minute’s were terrible and then I got into my stride and before I knew it, it was all over.

What had all the fuse been about?

For help and advice feel free to contact Debbie Day at Hoskin Financial Planning.

Until the next time Debbie Day.

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