Virgin Money launches new fixed rate ISAs and fixed rate bonds - easier.com
Virgin Money has launched new issues of its popular Fixed Rate Bond and Fixed Rate Cash ISA range. The accounts offer customers a competitive rate, combined with certainty of returns for either one or three years. Accounts are available through Northern Rock branches, online, by post and over the telephone, and interest rates are the same through all distribution channels. ISA customers receive the same rates as those with a non-ISA account.
Virgin Fixed Rate Cash ISA
The Virgin Fixed Rate Cash ISA offers customers a rate of 3.30% for one year (issues 9 &13) and 3.60% for three years (issues 10 & 14) respectively. This matches the rate available for a non-ISA savings account and savers also benefit from the tax-efficiency of the ISA wrapper. These accounts allow transfers in from existing ISAs. Customers can withdraw subject to a charge equivalent to 60 and 120 days’ loss of interest respectively.
Virgin Fixed Rate Bond
The one year Virgin Fixed Rate Bond offers customers a fixed rate of 3.30%, while the three year Bond pays 3.60% per annum. Accounts can be opened with a minimum deposit of just £1, and additional deposits can be made into the bonds during the offer period, up to a maximum of £2 million per customer. Interest can be paid annually, or for those who prefer a monthly option, on the last day of the month (available first business day of the following month). Customers choosing to receive their interest monthly receive the same AER as those receiving annual interest.
The Bonds are non-redeemable and do not allow any withdrawals or closure during their respective fixed rate periods. They are strictly limited issues and may be withdrawn without notice once fully subscribed. Once withdrawn, no further deposits can be made into existing accounts. Upon maturity the account will become a no notice matured bond account and investors will be notified in writing upon maturity of the interest rate payable.
More information on Northern Rock’s savings range is available at northernrock.co.uk/savings.
Money Wisdom for Women book tour is coming to Charlotte North Carolina - Examiner
Anita Renee Johnson, a native of Oakdale, Louisiana, has been passionate about finance for many years. She received her Bachelor of Business Science in Financial Accounting from National University in Sacramento, California, she then continued on to obtain her Masters of Science in Taxation. Currently she is enrolled in a Doctoral program with Walden University, in Minneapolis Minnesota, studying for her degree in Applied Management and Decision Sciences, specializing in Finance.
Ms. Johnson has extensive experience in teaching throughout the Sacramento area. She was a facilitator for the Elk Grove School District Adult Education Always Learning program, faculty member at Heald Business College, math tutor for Genesis High School, and Adjunct Assistant Professor at Cosumnes River College. The coursework ranged from preparing high school students for the mathematics exit exam, basic bookkeeping, business management, and how to be a successful entrepreneur.
Currently, Ms. Johnson is part of the faculty for Brandman University, in Sacramento, California. Here she instructs graduate students in financial statement analysis through online coursework. In addition, she is a faculty member at University of Phoenix also in Sacramento, California, where she provides instruction to adult students in such course topics as accounting, finance, writing, American Psychological Association (APA) Citation, conflict management, and how to conduct research.
In 2010, Ms. Johnson was awarded the Success Story Blog, from Walden University. She received the Business of the Year, Northern California, from the California State Black Chamber of Commerce, award in 1999, as well being recognized as Business of the Year, Sacramento, California in 1999.
Her professional affiliations are numerous, they include: Chairperson for the Small Business Development & Employment Advisory Board for the City of Sacramento, National Associates of Women Business Owners, Member of the Public Policy Committee, National Association of Black Accountants, to name a few.
During her career, Ms. Johnson has developed and instructed numerous courses designed to assist all ages in making sound financial decisions. These courses include: “Big Girls Don’t Cry – Taking the Emotion Out of Finances”, “Emotional & Financial Freedom”, “Entrepreneur Planning”, and “The Game of Life-Foster Youth”.
The most current project for Ms. Johnson is AR Johnson & Associates- “Money Wisdom for Women”. Established in 1998, her goal is to provide sound financial advice to her clients. This information is offered either in one-on-one consulting sessions, workshops, seminars, or conferences. Through ARJ & Associates, Ms. Johnson and her team have counseled over two thousand businesses and individuals in personal and business finance. Their topics include: tax preparation and planning, estate planning, Money Wisdom – the Board Game, Money Wisdom for Small Businesses, pre-retirement for Federal Employees, specifically the Environmental Protection Agency, and Race to Retirement.
I had the opportunity to interview Ms. Johnson and ask her some additional questions about her career and upcoming book signing event.
Who or what sparked your interest in finance?
I have been around money for over 30 years. I enjoy finances. It is interesting.
Why did Financial Advisor become a career path for you?
I have been in business since 1998, first with taxes and accounting. Now I am helping women realize their true worth when it comes to their finances. Women are emotional and do things that put their finances at risk.
I see that you are the CEO of your own company called Money Wisdom for Women; what made you decide to focus on women and their financial wellbeing?
For years I have been servicing women with their finances, there are some who have no clue.
Tell me a little about your book ‘Big Girls Don’t Cry: Taking the Emotion out of Finance’. How did you come up with the title of the book and briefly what is the book about?
This is not a novel about finances, but a book that you need a pencil or pen. When you finish you will have an idea of how your finances work and what you want to do about it.
It is estimated that 80% of women live in poverty after they retire. Women are care givers, always taking care of others and not ourselves.
The title is saying it is time we take care of ourselves, be selfish, don't cry about it, and stop being emotional.
For women we need to know we can control our finances.
Where is the location of the book signing?
Springhill Suites
12325 Johnston Road, Charlotte, NC 28777
What is the time range that you will be present?
6:00pm until 8:00pm
Ms. Johnson says: “my commitment is to inform and educate my clients so that they can make sound financial decisions” and “my job, purpose, mission is to equip women with wealth building skills”.
Anita Renee Johnson and associates website is www.moneywisdomforwomen.net
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