Below are examples of two families, one who and regular savers and one who are lump sum investors. To maximise the return potential of your money, why not talk to one of our advisers about our Investment Bond and Regular Saver options?
You can use our helpful geo locator to help find and contact a financial broker near you. Or to learn more about the education saving and investment options offered by Aviva, simply click here. We understand what it means to save for the big things in life. Let us carry some of the load. For more information on how we can help you, click here. Warning: All figures are estimates only.
They are not a reliable guide to the future performance of this investment. Warning: If you invest in these products you may lose some or all of the money you invest. We all want to get the most out of our weekly or monthly income, a simple way to get you started is to create a household or personal budget. When a new year arrives, we all have great intentions to save more money, with many of us managing to keep on track for a few weeks. The pension savings gap has increased by 38 per cent since and Ireland now has the second highest gap in eight EU countries surveyed.
We all try our best to budget, and sometimes it can feel like our savings are falling short of what we had hoped to reach. Nowadays we all try to live healthier and more active lifestyles. Registered in Ireland No. Tel 01 Find out more. Get independent advice on your investment or retirement needs. Contact your Financial Broker today. Find a broker. Warnings Important information to consider. Warning: Past performance is not a reliable guide to future performance.
So, if your child has a W-2, he can absolutely contribute to an IRA. Talk to an accountant more about this if you decide to go this route. The best case scenario here is a child opens and contributes to a Roth IRA. The key to this is compounding. Starting in your teenage years regular contributions can result in massive wealth being generated for later years.
As you can see the ending balance for person 1 is much larger over twice as big as person 2. Talk about having the opportunity to get super wealthy even if you never earn big bucks! IRA accounts can be opened as custodial accounts where the parent is often the custodian. The custodian manages the account until the minor reaches age 18 or 21 depending on the state. The funds in the account belong to the child whether or not the child is still considered a minor.
A few more notes on why Roth IRAs are one of the best investments for kids. Overall, a Roth IRA is so incredibly powerful. If your kids college accounts are already funded, and the child is working a job, get that Roth IRA going. What a legacy to provide for your child. Another possible route for investing for your kids is a CD ladder. When implementing a CD ladder, you simply purchase multiple certificates of deposit with varying durations and usually interest rates.
This will result in having several CDs that mature at regular intervals. You can repeat this process as long as you wish to keep the money in savings and keep the money generating interest. Often times, individuals will use CD ladders for emergency funds or money they are saving for a down payment on a home. You might think of these accounts as essentially custodial accounts that are non-retirement accounts.
UGMA accounts are typically used for cash, stocks, mutual funds, bonds and insurance policies where an UTMA account can also include any type of asset such as real estate and other items. Earnings on these accounts are subject to federal income or capital gains like any brokerage accounts.
When is an UTMA account appropriate? Then, when you deem the time is right, you can give this money to your children. In order to open a brokerage account for your child, first you must determine the type of account you want to open. Next, you need to choose the broker. Schwab, Vanguard and Fidelity have been pretty much leading the way with low cost investment account options.
Check out each of those and talk to a representative if you want to do some more research. The Intelligent Portfolio offering is applicable to custodial brokerage account. Next, fill out the appropriate paperwork and open the account.
At most of the larger brokers, this can be done entirely online now. Lastly, determine what you want to invest in! Now what? What are the actual best investments for kids that you should be selecting for the account? And by the word investments, we mean specifically, stocks, bonds, etc.
Before making major moves, read some of the books listed at the bottom of this article on the basics of investing. The three-fund portfolio essentially aims to provide broad, diversified exposure to US stocks, US bonds and international stocks.
You can get super low-cost ETFs and accomplish a very diversified portfolio that performs very well historically by just buying three simple ETF funds. Here are examples at the three large brokerages:. Again, the three-fund portfolio is a really nice place to start.
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Name : Miss Catherine Peters Katie. Age : 27 years 8 months and 28 days Female. Nationality : Irish. Marital Status : Single. Embarked : Queenstown on Thursday 11th April Died in the Titanic disaster 15th April Link and cite this biography. Articles and Stories. Miss Kate Connolly. Miss Catherine McCarthy. Local Support If you know people in your community who may be vulnerable and can contact them safely e. Fund Raising Local Fundraising are continually updating training methods and compliance procedures and offers ongoing training and support to all members of our company throughout the entire operation.
Volunteer It is important though to make sure you are well enough to volunteer and you can volunteer in a safe way. Anne Casson at the Inch Field. Cahir Bears Front. Duneske Leisure Centre. Craft Granary. Inch Field children with Excalibur. Farmers Market.
Up coming event Level 5 Business Admin Course. By: Admin. Draw held on the 19th of August Draw witnessed by Leo Coffey. Draw held on the 12th of August Draw witnessed by Leo Coffey.
However, the level of achievement of the pupils in reading and writing is very poor. It is recommended that the school prioritise literacy as an area in immediate need of development. The English plan drafted by the principal should be further developed.
This plan should include a whole-school approach towards the teaching of phonics and phonological awareness, specific reading strategies to be promoted at each class level and guidelines in the use of assessment results in order to develop individual reading programmes matched to the needs of the pupils. The board should ensure that pupils have access to a broad range of reading materials. Functional writing activities were, in general, of an unsatisfactory standard with pupils experiencing significant difficulties in spelling and syntax.
Little attention is paid to the development of the writing process. The teaching of writing needs to be systematically addressed at all class levels within the context of a whole-school plan. A wide range of teaching approaches is used in the teaching of Mathematics and effective use is made of the limited amount of concrete materials available. Differentiated learning outcomes are outlined for pupils experiencing significant difficulties. Good attention is paid to the development of mathematical concepts and language.
Pupils in the infant classes demonstrate good standards of attainment in the various strands of the curriculum, particularly the strands of measures and number. However, in general, pupils in the junior, middle and senior classes display significant weaknesses in their attainment levels across the strand units in Mathematics. It is recommended that numeracy be prioritised as an area of the curriculum in need of development. A whole-school plan should be devised which addresses the unsatisfactory attainment levels among the pupils and which outlines a programme to meet their learning needs.
The board also needs to provide for an increased supply of teaching and learning resources including the provision of Information and Communication Technologies ICT. Very good lessons were observed in the teaching of physical education. Lessons are well paced and structured and specific skills are well developed. All pupils participate enthusiastically in the activities and benefit from them. The school has access to a hard court play area and a green field which is used by the pupils during clement weather.
There is, however, an over-emphasis on games and athletics in the programme offered to the pupils. It is recommended that a whole-school plan be drafted for physical education which ensures that the pupils are enabled to access a broad and balanced physical education programme. It is reported that standardised tests in English and Mathematics are administered to all pupils from first class to sixth class each June. However, records of the results attained by the pupils prior to June are not available.
The special education needs team regularly assesses pupils progress using a limited range of assessment modes. These results are effectively utilised to devise individual education plans IEPs for the pupils with identified learning difficulties.
It is recommended that a whole-school assessment plan be devised which outlines how pupil progress might be assessed and reported to parents. This plan should also outline how assessment data might be utilised in the interest of progressing pupil learning. A resource teacher for special educational needs works in the school for five hours a week and a learning support teacher provides support to twelve pupils for a further five hours a week.
Good learning activities are organised and a wide range of teaching methodologies is utilised to enable the pupils to make progress in their learning. Diagnostic tests are administered, where appropriate, to ascertain pupil progress. Pupil progress would be enhanced by the provision of a wider range of suitable resources including ICT. It is further recommended that the provision of in-class support in literacy be considered in the junior classes. The school has strengths in the following areas:.
The following key recommendations are made in order to further improve the quality of education provided by the school:. Post-evaluation meetings were held with the staff and the board of management where the draft findings and recommendations of the evaluation were presented and discussed. Submitted by the Board of Management. Our vision statement is on display in the hallway. The B. The Board holds regular meetings, minutes are recorded and accounts are recorded since January The post holder has received her duties and a contract of employment has recently been drafted and is now in place for the SNA.
The Staff and Board have prioritised the areas of literacy and numeracy and have invested in resources for these areas. The new B. New Board members will be attending training when it is available in our area. A Whole School Review is planned for 29 th May Parents have offered to source and fund materials to aid teaching and learning. Circumstances beyond the BOM control led to the failure of plans and policies drafted by the principal being ratified.
These are now ratified. Pupils progress is assessed by weekly, monthly tests, daily oral tests. Pupil portfolios and profiles also recorded. Within each classroom close consultation with the Learning Support Team results in suitable differentiated work for pupils with learning difficulties. The Board has ratified this policy. A Designated Liaison Person and Deputy have been appointed by the board. Attention will be paid to ensure that structured and systematic development be made in relation to pupils vocabulary from class level to class level.
The English Plan is being developed. Team teaching strategies have been adopted focusing on reading and comprehension, grammar, oral language. With regard to phonics the Newell System has been adopted. At present in the junior classes level 2 is in operation, in senior classes level 5. New books have also been bought. At the moment team teaching is concentrating on functional writing with a view to improving creative writing. Grammar, spelling and comprehension are our main areas receiving attention.
Team teaching in maths is concentrating on concepts of numeracy and acquisition and understanding of number facts. These assessments will be used to develop a maths plan to meet the learning needs of the children. The post holder is taking responsibility for this area. With regard to physical education — to date resources have been limited. We intend developing the area of movement and dance and have acquired resources for this. Orienteering is planned for summer term.
With future funding we hope to acquire mats and other gymnastic equipment. We are currently reviewing our assessment resources with regard to purchasing suitable materials. Sigma T and Micra T are reviewed in the context of each child — making note of strengths and weaknesses not just final scores. The caseload of the Learning Support Teacher has been revised which now involves team teaching, early intervention in junior classes.
Prioritised children are taken on an individual basis. The Teaching Staff and Board of Management are committed to implementing the very helpful suggestions that this inspection has put before us. Quality of school management 2. Quality of school planning 3. Quality of learning and teaching 4. Quality of support for pupils 5. On the night of the sinking Katie McCarthy, the only surviving member of their group, recalled that Roger Tobin called by their cabin and told them to get up and dressed and to bring lifebelts but simultaneously assured them there was no danger.
McCarthy said that only she sensed any urgency and whilst she implored the other two girls to follow her, she ended up leaving alone and never saw the other two Kates again. Her devastated family back in Ireland was to face heartache in the next few years when Katie's parents died only a year apart; her mother Mary died 13 January whilst her father William, afflicted with senility, died 24 February Leave a comment.
Katie Peters died in the sinking and her body, if recovered, was never identified. Titanic Passenger Summary. Name : Miss Catherine Peters Katie. Age : 27 years 8 months and 28 days Female. Nationality : Irish. Marital Status : Single.