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F resters
SUMMER
Straightforward financial solutions with a human touch
magazine
2012
OLyMPICS NOW
AND THEN
A look at the London
Games in 1948 and 2012
AGE IS BUT A
NUMBER
How to age gracefully
by being positive
THINK GLOBAL,
SPEND LOCAL
Could a local
currency benefit
your community?
Win!
A Kindle e-reader
Eco garden and
space books
Up to £100 in
M&S vouchers
Happy holidays
Affordable time out
with the kids in tow

Welcome...
... to the summer edition of Foresters magazine. We hope
you’re having a great summer so far, and we’ve got our
fingers crossed for some sunshine in the weeks to come.
With the Olympics still on many people’s minds, we take a
look back at London 1948 when the games came to a city
still in shock from the effects of World War II. As ever, we’ve
also packed the magazine with plenty of money-saving
tips and ideas for things to do. Don’t miss out on our great
competitions, too!
We hope you enjoy the magazine and find it useful.
Don’t forget to fill in our reader survey on page 9 – you
could be in with the chance of winning £100 in Marks
& Spencer vouchers!
Win!
A Kindle! See
page 29
18
he Foresters team
theforester@forestersfriendlysociety.co.uk
08000 214 523
Contents
Images: Getty, Centre Parcs
Foresters magazine is produced
for Foresters Friendly Society by
Specialist Publications.
For Foresters:
Marketing Director: Neil Armitage;
Marketing Manager: Sally
Waterfield; Address: Foresters
Friendly Society, Foresters House,
29-33 Shirley Road, Southampton
SO15 3EW; Website: www.
forestersfriendlysociety.co.uk
Authorised and regulated by
the Financial Services Authority.
Incorporated Friendly Society no
511F, FSA Registration no 110029.
For SPECIALIST:
Editors: Anna Kierstan, Lucie
Wood; Art Editor: Emily
Selwood; Picture Researcher:
Sinead Millea; Production: Pip
Leyland; Promotions: Gabriela
Staniszewska; Address: Specialist
Publications, Clifton Heights,
Triangle West, Bristol BS8 1EJ;
Tel: 0117 925 1696; Website:
www.specialistuk.com © Specialist
Publications UK Ltd 2012
Cover image: Getty
14
8
22
6 the olympics, now and then: A look at
London 2012 and London 1948
8 Aiming high: A catch-up with the Olympic
Archery GB team, sponsored by Foresters
9 OVER TO YOU: Complete our reader survey
and you could win £100 to spend at Marks
and Spencer
10 think global, spend local: Can a local
currency strengthen a community?
12 older and WISER: How the older
generation can teach financial know-how
14 happy holidays: Affordable ‘staycations’,
plus how to entertain the kids this summer
18 agE is but a number: Treat your body
well and grow old gracefully
21 added assurance: We look at the
Foresters 50+ Life Cover policy
22 eco-fit your garden: Top tips on how to
create an environmentally friendly garden
24 MUTUAL BENEFITS: An overview of the
Foresters 2011 Annual Report
25 A RIGHT ROYAL CELEBRATION: Foresters
members celebrate royal occasions
26 FORESTERS IN ACTION: Fundraising efforts
and events by Foresters
28 summer reads: Book recommendations
from Foresters Friends
29 competitions: Win a Kindle e-reader,
Titanic Museum tickets, and much more!
30 Puzzles: Colin’s crossword, sudoku & more

News....
news 03
savings, surveys and summer holidays... The latest news and views from foresters friendly society and beyond
New ISA allowance
Images: Getty
The new, increased tax-free savings
allowance for ISAs came into effect on
6 April 2012. The total ISA (individual
savings account) allowance is now
£11,280, up from £10,680.
Half of the allowance, up to £5,640,
can be saved in a Cash ISA, with the
other half OR the full amount invested
in a Stocks and Shares ISA. Income
from savings and investments is
normally liable to tax,
but by using an ISA
you can save up
to £11,280 without
incurring any
tax liabilities.
See the back page
to find out more
about Foresters’
Stocks and Shares ISA.
Happy Foresters members
The results of our 2011 Member
Satisfaction Survey are in. We’ve been
looking after our members and their
finances for over 175 years, and we’re
pleased to share with you that 99 per
cent of our members are satisfied with
the overall service we offer. Plus, eight
in ten of our claimants are highly
likely to recommend us to a friend.
We’d also love to know what you think
of this magazine. Turn to page 9 to
complete our reader survey!
Planning finances
means savings success
B
ritons who concentrate on financial planning save significantly
more than those who spend more time fretting about their finances,
according to a survey by NS&I.
Apparently, people who focus their time on managing their money and
planning what to do with it are saving almost double the amount than
those who worry more – an average of £104.39 per month, compared
to £53.47. This means these ‘planners’ are putting away £600 more each
year than ‘worriers’.
A quarter of those surveyed admitted to feeling
guilty because they spent more money as a result
of not planning ahead, and three quarters said
that they worried about their finances at least
once a year.
“By planning ahead and taking active
steps, we can take more control of our
money and work towards saving,” says
NS&I Savings Spokesperson John Prout.
“So if you’re getting money worries, take
some time out to review the situation
and take action.”
Our new look
website is live!
We’ve given our website a brand-new
look! We hope you’ll now find the pages
more user friendly and find it easier to
apply for your financial products online.
Why not take a look? Visit:
www.foresters
friendlysociety.co.uk

News
04 NEWS
AGE OF First-time buyers
on the up
The average age that people in the UK can expect to buy their first property is
now 37 years old, according to research from www.moneysupermarket.com
Adults who do not currently own a
property were asked at what age they
expected to be able to buy one. Some
40 per cent said they planned to rent
until they could afford to buy, and 41
per cent said they didn’t intend to buy
at all.
Clare Francis, mortgage
spokesperson at the consumer
website, says: “Despite a stagnant
housing market in many areas of
the country, property prices remain
exceptionally high. Coupled with
this, mortgages remain hard to
come by with the number of
loans available to those with a
small deposit well down on
the pre-credit crunch days.
Rising living costs are also
making it harder for aspiring
first-time buyers to save that
all-important deposit.”
Take a break
Despite the UK’s continued austerity drive, the majority of Britons
are refusing to pass up on their holidays in 2012, research by British
Airways American Express Credit Cards reveals. While 21 per cent
of people went without a holiday in 2011, just nine per cent plan
to do so this year...
• 23.6 million Britons are planning a major holiday of a
week or longer.
• They will spend an average of £923 per person on flights,
accommodation and spending money.
• This adds up to a collective spend of more than £36 billion
on getaways in 2012.
• 63% plan to head abroad at least once, while 28% will stay
somewhere in the UK.
See pages 14 to 17 for ideas for a great summer holiday!
You may have seen
Foresters popping up
everywhere recently!
We are delighted to have been
chosen as providers of The
Telegraph Media Group’s Regular
Saving Service. As part of the
agreement, we have regular
coverage in The Telegraph’s
Saturday and Sunday Money
supplements, where we’ve been
discussing topics such as the
benefits of being part of a mutual
society to child savings plans. .
Elsewhere, we have joined in
partnership with Hertfordshire
County Council, for whom we
have designed a bespoke
employee sickness protection plan.
And finally, we are pleased to
be working in partnership with
Lighthouse Financial Advice,
offering our Tax Exempt Savings
Plans to union members.
One in three parents are
making financial sacrifices
to support adult children
According to research by Standard Life,
parents are increasingly supporting children
aged 18 and over for expenses such as
university costs, debts, weddings, house
deposits and general finances.
Parents estimate they will invest on average
£15,490 in each adult. The research, based
on a survey of over 2,000 people,
found that 30 per cent of parents were
forfeiting long-term financial planning
for the sake of their children.
Images: Getty, Loop Images

news 05
Is your home
adequately covered?
News in brief
Membership Committee
Images: Getty, Nick Dawe
Almost 3.5 million people do not have adequate contents and buildings insurance
on their home, putting their homes and belongings at risk, the website
www.moneysupermarket.com has warned.
Research based on a survey of over 2,000 people found that nine per cent
of homeowners only had buildings or contents insurance, not both,
while a further two per cent are believed to have no form of home
insurance at all.
The research also found that people renting
their homes were taking big risks with their
possessions, with 33 per cent having no contents
insurance in place.
Peter Harrison of MoneySupermarket
says: “Homeowners without adequate buildings
and contents insurance are taking a huge
risk by leaving their homes unprotected,
and are potentially storing up a financial
catastrophe in the event of a major incident
which could even leave them homeless.”
Have a Foresters
moment of
media fame!
From time to time, Foresters is
approached by the national press for
case studies of satisfied members
who might be happy to talk about their
experiences of dealing with the Society
and the benefits of membership.
In particular, we’re currently interested
in people who have used the £25
book voucher or educational award to
support progress with higher education.
The interview will usually take
place over the phone and then a
photographer will be sent around to
take a picture of you.
If you are interested in being a
case study for Foresters Friendly
Society, please contact us on 08000
214 523 or email theforester@
forestersfriendlysociety.co.uk.
At the 2011 Annual General Meeting it
was announced that a Membership
Committee would be established to give
members a stronger representation at
Board level. The Committee has already
met several times and is being chaired
by the High Chief Ranger, and consists
of the Deputy High Chief Ranger, three
other members of the Society – Joe
Alsford, John Garrett and Dozie Azubike
– as well as Board member Carl Genese
and Marketing Director Neil Armitage.
As a mutual society, engagement
with members is particularly important
and the Committee was established to
enable members’ views on membership,
social and charitable activities, and
membership funds to be better
represented at Board level.
central members club
There are more benefits than ever
to being part of the Foresters Central
Members Club. Once you’ve been
a member for six months, you are
able to make a claim for either a £25
book voucher to assist with the cost
of children’s education; £25 towards
dental check-ups or treatment; or a £25
Specsavers voucher to help cover the
cost of optical care.
Don’t forget that this is in addition
to your regular member benefits. For
further information about our Members
Club, please get in contact on 0845
634 4480 or email us at mail@
forestersfriendlysociety.co.uk
CS Healthcare offer
Our chosen medical insurance provider,
CS Healthcare, offers care for members
aged between 18 and 75 years. Foresters
members will now receive the first two
months cover for free * when they take
out a ‘Your Choice’ health insurance
policy. For more details, visit www.
cshealthcare.co.uk/foresters or call 0800
917 4325 ** and quote promo code 245.
*Terms and conditions apply. **Calls may be
recorded and monitored for training and quality
assurance purposes. Civil Service Healthcare is
a registered Friendly Society authorised and
regulated by the Financial Services Authority.

06
THE OLYMPICS
The
The women’s
gymnastic squad
from Belgium do
some warm up
stretches before
competing at
Earls Court, 1948
Olympics
Members of the GB Track
Cycling team test out the new
Olympic Velodrome in Stratford
now and then
London 2012 marked 64
years since the UK last
hosted the Olympic Games.
We take a look at how things
have changed since 1948...
Cyclists set off
at the start of the
1948 cycling road
race in Windsor
Great Park
17.5p
(3s 6d) was the price of a
standing ticket to watch
the athletics in 1948. In
2012, the same ticket
costs between £20
and £725
uch like in 1948, the London 2012 Games
came together in the shadow of significant
economic pressure, but the scale of this
year’s event was a testament to just how
far the Olympics have come in the past six
decades. We follow the journey to London
2012, from the post-war ‘Austerity Games’
to the pride of modern Britain.
he Austerity Games
In 1948, Britain had been ravaged by war,
and the Games were the first to be held in
12 years. National debt was high and
rationing continued, leading to the Olympics
being christened the ‘Austerity
Games’. Despite the economic
challenges, and the country
only having two years to
prepare for everything
(compared to the
seven years we had
to prepare for these
Games), London
1948 made a profit
of £30,000 and
was considered
a huge success.
George Hunter (South Africa, right)
fighting Harri Walfrid Siljander
(Finland, left) at Wembley pool
in 1948
In 2012, the UK’s economic outlook is far
from rosy. The Commons Public Accounts
Committee announced that the final bill for
the 2012 Games will be almost £11 billion
– a fourfold increase since London first
entered its bid. However, it’s estimated that
the Games will increase economic output by
£1.37 billion a year and create 17,900 jobs.
raining at Butlins
No Olympic Village was built for competitors
in 1948; they were housed in military camps
and colleges, and the British track stars even
trained at Butlins! Wembley Stadium was the
main venue, with a temporary running track
laid around the pitch, while other buildings
were adapted for various sports.
In contrast, a large-scale regeneration
project prepared London for today’s Games.
Among the new constructions is an Olympic

07
❝
No Olympic Village was built for competitors in
1948; they were housed in military camps and colleges.
he British track stars even trained at Butlins!
World and European
heptathlon gold medalist
Jessica Ennis
Mal Whitfield of the USA is the first past
the finish line in the 1948 800m final
Swimmer Rebecca Adlington took
bronze at London 2012
Swimmers dive at the start of the
men’s 1,500m freestyle final
❞
ickets
Ticketing for London 2012 has been a
controversial issue. About 75 per cent of the
total 8.5 million tickets were made available to
the British public, but for high profile events,
the proportion was lower. Tickets were
released via public ballots
in June 2011 and April 2012.
However, two thirds of the
1.9 million applicants for the 6.6
million public tickets, in the first
ballot, failed to receive a single seat,
according to official figures.
Back in 1948, half the tickets were
reserved for overseas applications,
while the remaining half were divided
up, with one third going to members
of the national governing body of the
sports concerned, and two thirds to the
general public.
Images: Getty, PA Photos
Park in Stratford, East London, comprising
a new 80,000 capacity stadium, the Aquatics
Centre, several arenas and an Olympic Village
to house the athletes. Major improvements
have been made to the city’s transport
system and energy facilities.
Olympic Events
The number of events has increased
significantly since 1948, from 136 events
covering 19 sporting disciplines, to 302
medal events this year in 26 different sports.
The US led the charge of medal winners
in 1948, taking 84 in total, and this year it
led the way again, with 104 medals. Despite
only having limited resources, the UK
managed to win 23 medals in 1948, three of
which were gold. This year, Team GB’s haul
of 65 medals was the best since 1908, when
146 medals were won.
Participating Countries
A record 59 countries sent a total of 4,099
competitors to the 1948 Games. Many
countries, including Burma, Ceylon,
Lebanon, Puerto Rico, Syria and
Venezuela were represented for the
first time. Unsurprisingly, given that
the event took place soon after the
end of the war, Germany, Japan and
the USSR were excluded from the
Games. The 1948 Games were the
first to be shown on home television,
although very few people in Great
Britain actually owned sets at the time.
For 2012, 205 countries sent a
total of 10,500 athletes to the Games,
and it was covered by more than 20,000
media and broadcast organisations, with an
estimated audience of up to four billion!
Go eam GB!
The British team celebrated their best
Olympic results for over a century, with
particularly thrilling perfomances in athletics,
cycling, rowing and equestrian events.
Our final Olympic tally included 29 gold
medals, 17 silver and 19 bronze, making
a grand total of 65. We were surpassed only
by the United States and China, who got 104 and
87 medals respectively.
Highlights included Mo Farah winning both the
5,000m and 10,000m races; Andy Murray finally
claiming victory over Roger Federer and taking
gold in straight sets; Chris Hoy’s record-breaking
sixth gold in the men’s keirin; and Katherine
Copeland and Sophie Hosking’s emotional win
of the women’s lightweight double sculls,
amongst many, many others!

8
THE OLYMPICS
Naomi
Folkard
(28, from
Kidderminster)
Aiming
The London 2012 Olympic
archery competition
took place at Lord’s
Cricket Ground.
We catch up with the
six Olympic archers
who were chosen to
represent Great Britain
high
Alison
Williamson
(40, from Stafford)
Alison’s sixth
Olympics began
encouragingly when
she took the first set.
Disappointingly, she
was out shot 7-3 to
Mongolia’s Bishindee
Urantungalag. “I’m
just sad I’m not
going to be out
there in front of the
great support we’ve
had from the home
crowd,” she said.
Naomi made it
through to the
second round after
a superb 6-4 win
over Russia’s Kristina
Timofeeva, before
losing to Mariana
Avita of Mexico. “The
crowd were fantastic
– with support
like this, you can’t
explain how it makes
you feel,” she said.
Amy
Oliver
(24, from
Rotherham)
Amy got a silver
medal at the 2010
Delhi Commonwealth
Games, but this was
her first Olympic
Games. She claimed
her biggest career
win by beating world
number one Deepika
Kumari, but bowed
out in the last 32
of the women’s
individual archery.
PROUD SPONSOR
OF ARCHERY GB
It wasn’t until the Paris 1900 Olympic Games that archery put
in an appearance, and not until the London Games in 1908 that
British archers took part. They scooped two gold medals,
two silvers and a bronze.
One of the gold medalists in 1908 was Queenie Newall, who
was 53 at the time and remains the oldest ever female winner
of an Olympic gold medal.
Olympic archers have 20 seconds to shoot a target 70 metres away.
Foresters is proud to be the Performance Partner of Archery GB.
Simon erry
(38, from Leicestershire)
Simon was disappointed to leave
the London 2012 Games in the
second round after he was seen off
by 15-year-old Dan Olaru of Moldova.
Simon said: “He shot awesomely,
and I hope he goes a long way. You
can’t take any of the archers for
granted in this competition.”
Larry
Godfrey
(36, from Bristol)
Larry gave it his all
at his third Olympic
Games until he went
out in the third round
to Malaysia’s Khairul
Anuar Mohamad in
a one arrow shoot-off. He explained: “I went in
there with confidence and trust and belief and
did everything I possibly could do. I’m happy
with the way it’s gone but am I disappointed
I didn’t get a medal? Of course I am.”
Alan Wills
(31, from Cumbria)
Once a carpenter by
trade, Alan took up
archery because he
“just liked shooting
things”. It was sad to
see him suffering the
heartbreak of losing a
one arrow shoot-off in the first round against
Australia’s Taylor Worth. It was a tight match
as both players won two sets then drew the
fourth, with Worth finally sealing a dramatic
6-5 win in the shoot-off.
Images: Getty

READER SURVEY
9
to you...
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to hear from you about what you think of the magazine, what you liked and what you didn’t...
✄
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Clifton Heights, Triangle
West, Bristol. BS8 1EJ.
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entered into a draw to
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& SPENCER VOUCHERS!
You can also fill in the
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10 community
Bristol recently got its own currency,
making it the fifth place in England
to set up an alternative to sterling.
But why are people looking to
create local financial systems,
and how much of an effect
are they having in those areas?
Skill swapping
Why pay for skills when you can
swap them? A new trend in these
frugal times is to swap skills for the
equivalent in service or products,
so expertise in bookkeeping
could be swapped for a day of
gardening, for instance. Take a
look at www.swapaskill.com,
www.justfortheloveofit.org and
www.timebank.org.uk to see
how you can begin to swap.
The launch of the Bristol pound was met with some fanfare in the
local, national, and even international, press. When a town or city
decides to take on the might of sterling by creating an alternative
currency, it’s big news.
Bristol’s decision follows similar experiments in Totnes, Lewes,
Stroud and Brixton, and, with lots of interest from local businesses
and shoppers alike, promises to be a financial scheme to watch.
Bristolians will be able to change their sterling for the equivalent
in Bristol pounds at various locations around the city. They’ll then
be able to spend these pounds at businesses showing the ‘Bristol
pounds accepted here’ signs in the window, with over 300 of
these already signed up.
Ciaran Mundy, one of the founders of the Bristol pound, says:
“The local council is also on board, as you’ll be able to pay business
rates in Bristol pounds, which gives the currency that extra security.
We’ve also got the backing of a local credit union, so anyone who
has an account with Bristol pounds in it will have their money
protected to the tune of £85,000, just as normal bank accounts do.
hink global,
“When a pound is spent with a large company, the likelihood is
that it doesn’t end up in the area it was spent. Whereas if a pound is
spent with a local company, it’s ‘recycled’ in that area, paying wages,
suppliers and so on,” continues Ciaran.
“So many towns have clone high streets now that shopping areas
have lost that local identity. It really is worth trying to keep local
businesses alive in any way possible. We asked whether there was
something we could do in Bristol to maintain how successful the
independent traders have been.”
he otnes pound
When the Totnes pound was first launched it was
reported in the press from Argentina to Norway, with
collectors paying up to £10 for a single pound.
But after the initial enthusiasm, how successful has
the experiment been in the original test laboratory?
Since its formation in 2007, the local pound has
grown in use within the Devon town. There are
five places in the town where sterling can be
changed for the equivalent local currency,
with more than 70 local shops and businesses
– quite literally the butcher, the baker and the
Image: Getty

community
11
❝
So many towns have clone high
streets now that shopping areas
have lost that local identity. It
really is worth trying to keep local
businesses alive in any way possible
❞
The Brixton pound launched in
2009 and is accepted by more
than 200 local businesses
spend local
candlestick maker – willing to take the notes as
official tender. These can then be given back in
change to the next customer, or used to pay the
business’s own suppliers.
It’s also about publicity – being a member of the
local pound scheme gives small businesses the
chance to join forces for marketing purposes. Shoe
shop-owner Helen Lovell says: “It has helped my
business because I get advertising with it, so you see
my name on the website as a retailer that supports the
scheme. Visitors to the town come in and talk about it,
so it’s also good for interaction and community spirit.”
Local enthusiasm
Totnes resident Ben Brangwyn, who has worked on the project since
the beginning, says: “There’s lots of local enthusiasm for the project.
It has meant money moves around within the town, rather than being
‘exported’ out of the area.
“There’s a similar project in southern Germany, which has become
an annual economy worth over €5m. That currency, the chiemgauer,
is accepted at more than 600 businesses, with about 2,500 people
regularly using it each day. Along the way it has also earned more
Local money
Here are our tips if you think your area
would benefit from a local currency:
The projects in Lewes, Totnes, Brixton
and now Bristol all sprang out of the Transition
Network movement. Its website has lots
of useful tips and advice:
www.transitionnetwork.org
The people behind the Lewes pound
have even written a free guide about it:
www.transitionculture.org/2009/12/10/yourfree-guide-to-setting-up-local-currencies
But remember, it takes a huge commitment
to start these schemes, and endless
enthusiasm to drive them
forward – good luck!
than €100,000 for local non-profit
organisations. Bristol really could be
that successful,” Ben says.
So, what do Bristol traders
think? Dan Stern, who runs The
Fish Shop on Bristol’s Gloucester
Road, which has a large number
of independently run shops, says:
“We signed up because we can
pay some rates in the Bristol pound,
which gives it a real strength. We do
have local suppliers, but other suppliers
are in places like Devon and Cornwall,
even as far away as Grimsby, so paying them
in Bristol pounds won’t wash!”
“My understanding is that it will mean money spent in Bristol
will be recycled, rather than leaving the city for the big corporations,”
said Michel Khan of Pearce’s Hardware, also on Gloucester Road.
“I don’t think most people realise just how the money they spend
doesn’t actually do much for their town – if the Bristol pound
improves this it can only be a good thing.”
With so many traders already signed up, it seems the enthusiasm
is certainly there. Time will tell if an alternative to sterling can really
make a difference in the South West’s main city.

12 money-saving tips
Ignoring advice is
something that most
teenagers and young
people do at some stage.
But it’s clear that older
generations still have a lot
to pass on, not least when
it comes to finances...
and wiser
A
savings
ax efficient
If you’re looking to save some
spare cash each month, you
could do worse than investing in
an Individual Savings Account (ISA).
You don’t have to pay Income or
Capital Gains Tax for any interest
gained in an ISA.
Foresters offers a Stocks and Shares
ISA, which you can invest up to £11,280
into this tax year (until 5th April 2013).
If you already have an ISA you can
easily transfer it from one provider
to another.
To find out more about our
Stocks and Shares ISA, see
the back page of this
magazine, or
call us on
08000 214 523.
recent study* showed that almost 40 per
cent of young people asked thought that
their grandparents were good financial
role models but, paradoxically,
only 10 per cent had actually
taken financial advice from
them – there seems
to be a breakdown
in communication
somewhere!
John Prout of
National Savings and
Investments says:
“Grandparents can
help the younger
generation by giving
them useful tips and
advice on how to
manage expenses, such
as saving for a deposit on
their first home, a new car
or simply saving in case of
an emergency.”
In addition, the research
showed that 11 per cent of 16 to 34-year-olds
didn’t have a penny of savings, which just
goes to prove that any kind of financial advice
can’t come soon enough.
Spendthrift youth
Of course, it’s easy to generalise, but it might
seem to older people that the ‘want it now’
generation are unwilling to save for the things
they’d like in life. Perhaps this is one of the
reasons for the breakdown in communication
between the generations – with credit cards,
95 per cent mortgages and interest-free
credit seemingly the norm, is it any wonder
generations brought up in more thrifty times
feel their advice may not be welcome?
With expressions like ‘take care of the
pennies, and the pounds will take care of
themselves’ still commonly heard, there’s
clearly plenty of advice older people could
give the younger generations. Here’s our
must-follow list to get the younger generation
on the way to a sound financial future…
*Carried out by National Savings and Investments, 2011

13
Images: Getty
he obvious foundation block for sound finances
seems to be: if you don’t have it, don’t spend it. Older
generations lived by this rule, but it’s one that may seem novel
to some young people. In addition, some argue that by saving for
something you’d really like, you’ll appreciate it more.
Grow your own. We’ve all got memories of our
grandparents working in the garden, growing enough
potatoes and carrots to keep the family going. Food is more
expensive than ever, so the resurgence in interest in homegrown
produce, along with the renewed popularity of allotments, means
people are wising up to this money-saving habit once again.
A little money put away can soon add up.
Even if it’s just a few pounds a month, when young people
are just starting to earn their own money, regular work
such as a Saturday job or a paper round can quickly mean a
money pot for a rainy day.
Negotiate! Everyone loves a bargain, and
in these straightened times companies are often willing
to ‘talk numbers’. Us Brits are sometimes a bit shy
discussing money, but remember it doesn’t hurt to ask, and you’ll
often find that sales staff have been primed for that very question!
Get used to second-hand. Websites such as
Gumtree, eBay and Amazon mean the second-hand
marketplace has grown far beyond the local charity shop or car
boot sale. Once you’re used to browsing, you can often spot quality
bargains that will often outlast newer equivalents.
Renew that library membership. If you’re
going on holiday, why buy a guidebook you’ll only use
for a week? Your local library will have up-to-date guides as well
as books for the beach, and all costing nothing.
Internet use is growing faster among older people
than any other generation, especially when it comes
to finding the best deals for phones, utility or credit
card providers. It’s relatively simple to switch from one provider
to another these days, and you can save yourself a fortune –
comparison websites such as www.moneysavingexpert.com and
www.uswitch.com are a great starting point.
Finally, a great way to save money is by not paying
premium phone call rates. Many companies have 0870 or
similar numbers for their day-to-day contact, but these can cost the
earth, especially if you’re put on hold! A great website to try out is
www.saynoto0870.com – all you do is type the 08 number in and,
if it exists, you’ll be given an alternative number that
only costs the normal rate.

14 summer holiday special
With airfares on the rise and the pound weak against
currencies like the euro, it’s no surprise that more and more
people are choosing a staycation for their holidays
D
riving through the British countryside on a
sunny day, we’re reminded that we live in one
of the most stunningly diverse landscapes
around. But, in part, it’s taken the recession to
remind us of just how lucky we are to live
in this green and pleasant land.
The new eco air tax kicked
in at the beginning of the year,
and, added to this, air passenger
duty rose in April. These additional
charges confirm what we Brits
have known for a couple of years
now… cheap-as-chips foreign travel
is a luxury of the past.
The travel company Expedia found
that seven per cent more British
travellers booked trips within the UK in
2011 than in 2010. And this year looks
to be even busier during the summer,
with attractions such as the London
Olympics and the Queen’s Diamond Jubilee
celebrations giving us even more of an
excuse to stay on these shores.
What’s on offer?
When families are looking at UK options,
what sort of holidays can they expect? Of
course, there are the type of holidays that
were always here, but got sidelined for the
Costas as foreign travel became the norm.
Holiday camps still dot our coastlines and
many have been boosted with a great deal
of investment in recent years, as providers
recognise a change in fortune could be
coming their way. Gone are the shabby huts
of yesteryear – Butlins, for example, has
recently spent more than £25 million on its
newly-opened Wave Hotel at Bognor Regis.
Meanwhile, Center Parcs (located in
Cumbria, Nottinghamshire, Wiltshire
and Suffolk) and Bluestone
(Pembrokeshire) have really
upped the ante when it
comes to entertainment
and accommodation,
leaving families
to enjoy car-free
and bike-friendly
parkland, complete
with swimming
pools, restaurants
and a great
deal more.

Carry on camping
Caravanning and camping have also
experienced a real upturn in fortunes,
with ‘glamping’ the current buzzword.
This involves very smart accommodation
(Egyptian cotton sheets and a wood
burner in a yurt, anyone?) – but
it’s still essentially sleeping
in a field. For experiencing
the great outdoors, a
campsite is hard to beat.
Britain’s B&Bs are also
slowly catching up with this
renaissance in holidaying –
when you find a real gem,
with friendly owners,
comfy beds and a
cracking breakfast,
it’s still one of the
best ways to visit
different parts of
the UK.
In addition,
farms are
always looking
for ways to
Ask and you may well get
When booking accommodation, travel, day
trips and so on, it’s well worth asking if they’ll
offer you any kind of discount. It doesn’t hurt
to ask, and is something us Brits need to get
better at!
Book early or late
If you’re super organised, you can save money
on holidays by being ‘first in line’. Similarly, if
you have the kind of job that allows for a bit of
last-minute booking, go for it.
Spread the cost
SUMMER HOLIDAY SPECIAL
diversify their business, and offering accommodation is one
of the current favourites (www.farmstay.co.uk). With fresh
air and fine views, you’ll often have the opportunity to lend a
hand with the animals and see where our food really comes
from, which is guaranteed to give the young ones something
interesting to write about in their ‘what I did in the summer’
journals at school.
Home from home
Another novel way of holidaying is to stay in someone
else’s house. House swapping has been around for years
but it’s being rediscovered as a viable way to spend the
summer weeks (www.homeexchange.com). Plus, it means
accommodation is free – what’s not to like?
And, as we’re surrounded by water we have hundreds
of navigable miles of canals and rivers, so why not take a
holiday afloat?
This could include a slow moving, but ever so peaceful,
barging holiday where you’re in complete control of your
craft, while getting younger and more energetic members of
your party to open and close the locks. Or, you could even
take a trip on a beautiful rigged vessel, lending a hand and
experiencing the waves crashing into the bows.
Finally, if you’ve got a pair of stout walking boots and
a love of fresh air, why not walk to your destination?
There are so many walking trails around the UK
(www.nationaltrail.co.uk), many of which can be
done in stages, and others, such as Offa’s Dyke
or Hadrian’s Wall, giving you a taste of
how our ancestors tried to keep one
another in, or out!
The bigger the accommodation,
often the better the deal. A holiday
home that sleeps 12 won’t usually cost six
times the cost of a cottage that sleeps two,
so economies of scale can really work.
Watch your speed
With petrol more expensive than ever, it pays to
stick to 60 or 70mph speed limits.
Pack a picnic
15
You can spend a fortune feeding a family of four
when you’re out and about, so make sure you
put something together in the morning. Farm
shops or pick-your-own sites along the way
can also stock up your larder!
Images: Loop Images, Getty
>>

16
SUMMER HOLIDAY SPECIAL
>>
Images: Getty, Centre Parcs, PA Photos, Paul Box
Six weeks can seem like a
lifetime to a child, and with
trees to climb, bikes to ride and
friends living just around the
corner, it may seem their every
need is catered for. However,
with parents often taking
time off work to look after
children, it’s also great to go on
adventures, which give busy
families the chance to spend
some quality time together.
Out and about
Readers of a certain age will remember
the BBC’s Why Don’t You? This legendary
TV show encouraged us all to ‘switch off
your TV set and go and do something less
boring instead’. Apart from the fact we’d
have missed the show if we’d followed their
advice, they always had lots of ideas to keep
young people entertained during the holidays,
with the majority not costing a jot.
Things like ant houses and wormeries
were always high on the list, but they’d also
follow young people who rode horses and
went on cycling trips. Some of these may
seem a world away from today’s hobbies,
but their enthusiasm was inspiring – take
a look at www.thekidsgarden.co.uk and
www.bbc.co.uk/thingstodo for more.
Into the wild
If you have teenage children or grandchildren
and can tear them away from video games
and social networking websites, there are
some real adventures to be had. All over the
country you can now find people who are paid
to share their knowledge of the great outdoors
– where to sleep, what to eat and how to
survive in general. It’s great to take young
people out of their comfort zone, and a bush
tucker weekend could be just the ticket.
Green fingers
Growing your own produce from seedling
to dinner plate can be an equally inspiring
holiday activity. By starting with something
relatively straightforward, such as tomatoes
or chillies, youngsters can do their bit for
family mealtimes and learn something about
how our food is produced.

SUMMER HOLIDAY SPECIAL
17
National Parks
The South Downs, that stretch across
Hampshire, West Sussex and East Sussex,
recently became the UK’s 15th National
Park, and joins an impressive list of Britain’s
protected mountains, meadows, moorlands,
woods and wetlands (www.nationalparks.
gov.uk). There are year-round activities and
events at each of the parks, with people
willing to share their love and knowledge of
these wild places.
Old-fashioned games
Some of the games that used to be popular
when we were growing up are still found
up and down the country. There was a
270-step hopscotch on the nearby street
to the Foresters headquarters a few weeks
ago, which just goes to show that children
are still very keen on this time honoured
game! Kick the can, 20-20, marbles – all
games that provoke fond memories for
parents, and with a little encouragement
these games can inspire a generation
once again!
Club culture
Although feeling the squeeze due to
government cuts, youth clubs are a sure-fire
way of keeping the kids amused. They can
be found in almost every town, and give
youngsters the chance to mix with other
young people and use the equipment at
the centre. Many have facilities such as
recording studios, musical equipment,
drinks bars, pool tables and so on, and
tend to charge no more than 50p for entry
– a bargain!
Dont forget
Finally, make sure you look at sites
such as www.vouchercodes.co.uk or
www.promotionalcodes.org.uk before
you book up any trips, to see if there are
any discounts available. Try to group
together with other parents to help share
the costs involved, and remember to
make a packed lunch before you go.
Even with free events, the cost
of chauffeuring everyone around
can mount up, so it pays
to join forces.
Local events
Villages, towns and cities often stage
festivities during the summer months to
promote tourism. From tiny, local festivals to
city extravaganzas, these events give you and
your family the opportunity to see what’s great
about a place, while mixing with locals keen
to show off their home. And while visiting
towns and cities across the country, it’s worth
noting that museums and art galleries also
put on lots of events, mostly free, over the
summer months.

18 HEALTH
he key to ageing without growing
old is more than just finding a
wonder product that will achieve a
glowing physical appearance. It’s a
mixture of exercise, nutrition, social
networks and, crucially, attitude.
How you think about ageing
has a direct effect on how you feel
about yourself and come across to
others. An expensive, age-defying
face doesn’t necessarily mean
contentment or beauty.
In her book, The Warmth of the
Heart Prevents Your Body From
Rusting, psychologist Marie de
Hennezel says we can learn how to
grow old gracefully through being
receptive, taking an interest in
others and looking at the world and
life with confidence, wonderment
and gratitude.
“Old age is a time that is just as
rich and worthy of being lived as all
others,” she says.
Even though we may slow down
slightly as we increase in age, we
should still spend as much time
as we can learning, savouring and
nurturing ourselves, argues Marie.
“Acceptance of all that we cannot
change is crucial. But we can
also look towards all that is to be
discovered, for while the body may
age, the inner person continues
to evolve.”
But it’s not only our perspective
on our life that is important. If your
body is in tip-top shape, you are
more likely to feel better about
yourself too. Here we take a quick
look at the best ways to age without
growing old.
Keeping active
Exercise is a crucial contributor to
body health. Just 45 minutes, three
to four times a week will keep your
heart young, while improving your
mood, posture and brainpower.
Tennis is a great social and
mental, as well as physical,
exercise. Another popular option is
Pilates, which focuses on promoting
core strength and balanced muscle
development, as well as flexibility.
It’s also great for relaxation,
providing a level of ‘integrative
fitness’. Swimming is another
ideal fitness option, improving
cardiovascular conditioning,
flexibility, posture, muscle strength
and balance, and reducing the risk
of osteoporosis.
And don’t forget gardening,
excellent for flexibility, mobility,
finger and thumb co-ordination
and mental health. Don’t see
slowing down as a negative,
instead stretch out and rest, and
use it as a way to take time to
embrace the here and now.
Brain training
Exercising the brain is just as vital
as the body, the more frequently
you challenge it the better it will
perform. Why not combine this
with socialising? People who
maintain a number of friends have
higher scores on intelligence tests
and lower rates of dementia.
Images: Getty
Age
is but

You could join a local community
social club. Lots of choirs have
sprung up over the past few years,
for example, as well as special
interest groups for hobbies such as
photography, painting and reading.
Or, if you want to challenge yourself
and impress younger members of
the family, there’s a range of brain
games on the internet. Go to www.
braingames.com to have a go.
Face values
When it comes to hair and skin,
inevitably they will change with
age, becoming weaker. However,
thickness and shine can be
improved with a good diet, hair
serums and a great style. A grey
crop such as Judi Dench’s looks
healthy and fashionable, while a
clean shave, smart haircut and shirt
will look sharp on a man.
Skin meanwhile, always needs
to be protected from the sun, with
sunhats, sunglasses and loose,
breathable cotton layers.
Forces of habit
Finally, we all have vices, whether
it’s the odd tipple, a chocolate
dessert, a late night in front of
the TV, or a cigarette. As with
everything, they should be enjoyed
in moderation. If smokers quit
now, they can increase their life
expectancy by years. Limiting
alcohol intake is important to avoid
liver scarring, digestive troubles
and the risk of heart attack.
Also vital, and perhaps
underestimated, is a good night’s
sleep. Having at least six hours a
night can prevent diabetes and
heart disease, improve memory,
lower stress and slow down the
ageing process.
Returning to Marie de Hennezel’s
philosophy, she says: “As we age,
another kind of beauty is available
to us, that of emotional youth. We
can gain the upper hand over our
body, by being radiant with joy.”
Age is but a number!
Instead of looking in the mirror, perhaps we should
direct our energy towards enriching experiences
instead. We take a closer look at the ways we can
help ourselves to age gracefully
a number!
You are what you eat
HEALTH
Diet can never be underestimated in its importance
and contribution to a healthy body and mind. Foods
rich in antioxidants, vitamins and minerals are called
super foods. Integrated into your diet, they will
benefit your health in a variety of ways. Here are 10
anti-ageing super foods:
Berries: Acai, blueberries, blackberries,
strawberries and raspberries all contain
beneficial compounds, full of antioxidants
and vitamins that will improve cholesterol
and blood pressure, as well as reduce the
risk of several types of cancers.
Foods rich in Omega 3: These are vital for
brain function, development and growth, promoting
heart health, improving depression and helping
reduce the risk of certain diseases like cancer and
Alzheimer’s. They can be found in certain fish, such as
salmon, mackerel and sardines.
Garlic: Great for decreasing blood
pressure and cholesterol, preventing
cancer and providing vitamins A, B and C,
selenium, iodine, potassium, iron, calcium,
zinc and magnesium.
Green and leafy vegetables: Broccoli,
spinach and kale are full of fibre, calcium and
vitamin E. Green vegetables protect against a variety
of disease processes.
Green tea: Shown to be preventative against
cancer, heart disease and high cholesterol, as well
as beneficial to weight loss and maintenance.
Honey: Containing vitamins B6, C, thiamine,
niacin and calcium, as well as antioxidants,
honey is a true super food. Preliminary studies
indicate that it can even help with memory
decline and anxiety.
Nuts: High in essential omega fats, protein, iron
and vitamins, nuts are beneficial to the heart and
contain selenium, a powerful antioxidant that helps
to neutralise free radicals that can attack healthy
cells. Just 10 to 15 varied, raw unsalted nuts a
day will provide your body with health benefits.
Plain yogurt: Rich in protein and full of
friendly bacteria that promote digestive health,
plain yogurt is low in calories and a fantastic
source of calcium and vitamin B12, which helps
maintain cognitive performance as you age, and
healthy blood and nervous systems.
Wholegrains: A powerful way to reduce
cardiovascular risk and provide an optimal
source of fibre.
Water: Hydration is essential for digestion,
skin tone, energy, brain function and mobility.
Without enough water, lethargy and a general
sense of feeling unwell can set in.
19

20 HEALTH
he health tests that could save your life
s we get older, we become more
susceptible to certain diseases and
illnesses. Therefore, it’s important
to be aware of these and go for
tests – taking them could save
your life. The majority of these
tests are recommended every
few years, but this depends on
individual circumstances such as
your medical history. If you have
any suspicious symptoms, make an
appointment with your doctor.
Bowel cancer
Bowel cancer accounts for 14 per
cent of all cancers in the UK. It is
the third most common cancer
and is strongly related to age. If
you notice blood in your bowel
movements, changes in your bowel
habit, weight loss, tiredness or
breathlessness, consult your doctor.
The NHS runs a free bowel cancer
screening programme.
www.cancerscreening.nhs.uk/bowel
Breast cancer
screening test
Ninety-three per cent of breast
cancer cases occur in women
over 40 years old. There is strong
evidence that breast screening
using mammography leads
to earlier breast cancer
detection and,
with treatment,
much improved
survival rates.
www.breast
cancercare.
org.uk
For more
information
If you or a member of your
immediate family have a serious
health condition and would benefit
from using our RED ARC Foresters
Care Service, please call
01273 716700
Cervical screening
These routine tests are done to
prevent cancer – not to diagnose
it. During a test, cells are removed
from the cervix with a plastic brush.
They are then examined under
a microscope to look for early
changes that, if untreated, could
potentially develop into cancer
of the cervix.
www.nhs.uk/Conditions/Cancer-ofthe-cervix
Cholesterol tests
Too much cholesterol can cause
our arteries to become blocked,
which increases our risk of
heart disease and stroke. High
cholesterol itself doesn’t cause
any symptoms, meaning you
Kicking the habit…
could have high cholesterol and
not realise. Get your cholesterol
tested every five years, or twice
a year if you’ve been diagnosed
with high cholesterol. You can
also buy your own cholesterol
tests to use at home.
www.nhs.uk/planners/
nhshealthcheck/pages/
cholesteroltest.aspx
Prostate cancer tests
Prostate cancer is the most
common cancer in men in the
UK, accounting for nearly a
quarter of all new male cancer
diagnoses. Very few cases are
registered in men under 50, with
around three quarters of cases in
men over 65 years old.
www.prostate-cancer.org.uk
We all know of the perils that smoking can cause, but it can be
very hard for some people to stop. One such person was Ken, a
Foresters member who had tried various ways to stop smoking
over the years.
At the Foresters AGM and High Court in 2011 he met Gaby, one
of the Nurse Advisers on the Foresters Care Health Check stand.
She talked to Ken about how they could help him by arranging
for him to have some hypnotherapy and then they put him in
touch with a local qualified hypnotherapist. The treatment
was funded by RED ARC.
“The support the Foresters Care team showed me
was very much appreciated,” says Ken. “Although
the treatment wasn’t completely successful, Gaby
is still in touch with me and is very supportive. It
hasn’t been easy, but now I have someone to talk
to who wants to help me. Because of this I will
be trying again, and with this encouragement I
feel I have a good chance of success.”
Images: Getty

our products
21
Images: Getty
Q What is the 50+ Life Cover policy?
The 50+ Life Cover policy from Foresters Friendly Society is a wholeof-life
insurance policy that provides a guaranteed cash lump sum to
be paid out after your death.
The plan is designed for UK residents aged between 50 and
80, and gives you control over how the lump sum will be paid out.
For example, you can name a beneficiary to receive up to £5,000
immediately, without the need for the beneficiary to wait for Probate
to be completed.
The policy will pay out the full cash sum as long as it has been
in place for two years before the policyholder passes away, and as
long as all premiums have been paid (premiums cease at age 90).
The amount of the payout will depend on the premium you pay, your
gender, and your age when you take out the policy.
Your monthly premium is invested in Foresters’ with profits
Order Insurance Fund. Annual bonuses, as well as an additional
bonus at the time of death, could be added to the final payout,
depending on the performance of the fund. These bonuses are
not guaranteed, but once they are added to your policy they cannot
be taken away, so could provide an additional boost to the lump
sum paid out.
Special offer
For new policyholders opening a
50+ Life Cover policy there is the
opportunity to claim a free gift of
a £30 Marks & Spencer voucher or
for a full legal Will to be prepared for you.
A £30 M&S voucher is available to new policyholders
paying any monthly premium. Or, if you are paying
£25 or more a month in premiums then you can receive the
M&S voucher or opt to receive a full legal Will, worth £199. A
Will helps with the resolution of your affairs after your death
and provides peace of mind that steps
have been taken to protect your loved ones. The Will writing
service is provided by Choices, a member of the Institute
of Professional Will Writers.To find out more:
www.forestersfriendlysociety.co.uk
08000 214 523
We take a closer look at our 50+ Life Cover policy,
available to people between the ages of
50 and 80, which aims to give your loved ones
assurance
financial support after your death
Added
Q
What are some of the benefits
of the cover?
You are able to name a beneficiary for the 50+ Life Cover policy.
The payout from the policy could be used to help cover your funeral
expenses or any outstanding debts, or to form a small legacy in your
Will. It is also worth remembering that inflation will reduce what could
be purchased with the final payout from the policy.
By taking out a 50+ Life Cover policy you would also gain access
to the range of social, benevolence and protection benefits that are
Qavailable to the Society’s members.
Are there any restrictions on who
can take out a policy?
Acceptance is guaranteed as long as you’re between 50 and 80 years
old and a UK resident. There is no medical required and no requirement
to answer any questions about your health in order to take out the
50+ Life Cover policy. The level of cover you receive will depend on the
premium you choose to pay, your age and gender.
It is worth noting that from 21 December 2012, an EU Directive means
that insurance premiums will no longer be differentiated by gender. If
you are a woman, it may be worth considering cover before this change
comes into effect as female policies are likely to increase.
Q How much do I have to pay in to
the policy?
Premiums are paid monthly and range from £10 to £100. Premiums
remain fixed and will not change. You will stop paying premiums at
the age of 90, but the basic guaranteed sum will remain, as well as
the opportunity for bonuses to be added, until it is paid on your death.
If premiums stop being paid after the first two years, you can keep
a level of cover, but the sum assured will be reduced (this is known
as a ‘paid-up’ policy), otherwise the life cover will cease immediately.
During the first two years, the policy will have no cash-in value.
After two years, the policy could be cashed-in, but its value could
be lower than the amount you have paid in. In the event of accidental
death during the first two years of the policy, the guaranteed sum
would be paid.

22 GARDENing
10
for an
Top
tips
Making your garden
eco-friendly needn’t involve a
complete redesign – with a few
canny additions and updates
to existing elements, you can
create a biologically diverse
and inspiring space...
Images: Getty
1
Recycle
Compost your garden
and kitchen waste in a compost
bin, then return it to the garden to
improve the soil.
2Save water Invest in a
recycled plastic water butt to
collect rain water, which you
can then use to feed the garden.
Keep a screen over it to ensure the
3
water is clean.
Use native plants
Our native plants, which
include common poppy,
cornflower, foxglove or sweet
briar will already have excellent
natural defences against
pests and harsh weather,
making them much
lower maintenance
and reducing the
need for you to use
fertiliser to keep
them looking great.
4Grow it yourself Mowing
lawns uses fossil fuels, creates
air and noise pollution and
more work. So why not replace your
lawn with a kitchen garden instead?
Vegetables, fruit and herbs should
intermingle with flowers
rich in pollen and nectar,
which attract beneficial
pollinating and pest-
insects. 5eating
Raised
beds
Create dedicated,
raised planting
areas to give you more
accessibility when tending
to your fruit and vegetables.
Design these areas with four
beds, for a four-year rotation to
prevent disease and pests from
building up. This also makes it
more practical when it comes to
6
maintaining soil fertility.
Bug houses Instead
of using chemical pest
controllers, make your
own bug homes for insects that
will feed on pests. You can also
control pests without using
chemicals by ‘companion’
planting strong smelling herbs.
For example garlic and mint will
repel some pests, while marigolds
attract hoverflies that eat aphids.

7
Ethical
materials
You can instantly
make your garden more
environmentally friendly
by using products and
materials that have
been ethically sourced.
For example, Indian
sandstone is a popular
choice for paving, but much of it is imported from
unethical sources. By choosing locally sourced stone,
8
you can cut down on your ‘garden miles’.
Wood chips
Use these as
fillers between
stepping-stones to
reduce the need
for weed killer in
these areas.
9
Re-use
pots If you’re
growing a lot
of small plants or
herbs, household
items such as
wellies, yoghurt
pots, or even an
old hat can make
10
great planting pots.
Greenhouses A lean-to greenhouse is a
great place to grow edible and ornamental
plants, and can be used as a year-round
seating area in all weathers. It warms up as it absorbs
sunlight and, during the winter, can be used to grow
frost-resilient food crops.
We have five copies of the
inspring book How To Create
An Eco Garden to give away!
Turn to page 29 to find out more.
Window bird feeder
Made from recyclable and durable
plastic, this bird feeder has a
double-sided suction cup that lets
you attach it to a windowpane,
giving you an intimate view of your
feathered friends from the comfort
of your house. It even features a
perch for small birds!
£15.99. www.presentsformen.co.uk
Solar owl spotlight
This big-eyed solar owl requires no wiring,
and its bright, solar-powered LEDs provide
an attractive light as dusk falls that’s sure
to brighten up your flowerbeds.
£7.99. www.robertdyas.co.uk
GARDENing
gadgets
Solar-powered
plant pot
This stylish designer pot soaks
up the sun’s rays in order to
charge an internal battery
that powers several built-in
LEDs. As night falls, the pot
glows, adding a touch of
magic to your garden.
£29.99. www.glow.co.uk
Scare cat
Fed up of cats making a mess
in your garden? Frighten them off
with this quirky scare cat that,
although he looks menacing, is entirely harmless
to cats – and weatherproof to boot.
£4.99. www.easylifegroup.com
Insect hotel
Providing a perfect habitat for little
creatures, this Sophie Conran insect
hotel is made from sustainable wood and
provides a hiding place for those valuable
insects that feed on garden pests.
£15.95. www.burgonandball.com/shop
23

24
facts & figures
Mutual Benefits
We bring you a quick breakdown of the key facts and figures from the Foresters 2011 Annual Report...
Membership
satisfaction survey
99 per cent of you said you
were satisfied with the level
of service we offered. The
level of complaints, one
of the main measures for
customer satisfaction, was
also extremely low.
99%
SATISFACTION
Our products
Our range of child savings products has continued
to do well, and we have been selected by
The Telegraph Media Group to be its official
recommended regular savings provider.
Membership Committee
The new Membership Committee has got off to a
good start and we are also looking at what we are
offering in terms of membership benefits. We’ve
been consulting with some branches on this and
plans are in place to update the benefit package.
Our policyholders & the Order
Insurance Fund
Overall, total membership is down because we
had a very significant exercise in clearing up older
membership records, but the
number of policyholders in
our Order Insurance Fund
grew by 4 per cent in 2011.
In fact, since 2008 the
17%
Increase in Order
Insurance Fund
policy holders
number of policyholders
in the Fund has grown by
17 per cent and it now has
21,000 policyholders.
Premium income
Our With Profits Order
Insurance Fund, which
is the underlying fund
for new policies, saw
a 19 per cent increase
in premium income
over 2011.
❝
19%
increase in
premium
income
Independent financial advisers
Distribution via our independent financial adviser
(IFA) channel performed well in 2011, and we have
recruited three more IFA Sales Executives to take the
team up to six. These work with our IFA base across
the UK to promote our range of products.
Long-term growth
for our With
Profits Funds
The annual Money Management
survey of the With Profits sector in 2012
put Foresters Friendly Society’s With Profits
Fund in the top 10 for long-term growth over 15, 20
and 25 years. This was based on a £50 per month
endowment policy held by a male, aged 30 at the
outset of the policy. The annual growth rate for the
Society’s With Profits policy held was 6 per cent over
a period of 15 years, 6.5 per cent over 20 years, and
7.5 per cent over 25 years. The survey shows the
strength of the financial mutual sector in this area.
Foresters Marketing Director Neil Armitage said:
MONEY
MANAGEMENT
TOP 10
PRODUCT
For policyholders it is about With
Profits products doing what they have
expected them to do, in terms of consistency
of performance over the long-term.
❞
Image: Getty

foresters Heritage 25
Foresters
W
Royal coronations and jubilees have featured in the lives of
Foresters since the Society’s earliest days. Roger Logan, Honorary
Secretary of the Foresters Heritage Trust, reveals more…
heritage
hile containing members of many different views and persuasions, loyalty
to the Crown was a marked feature of the Ancient Order of Foresters.
As far back as June 1838, members were celebrating the
accession of another female monarch. A Foresters Miscellany
magazine recorded that, as “all England were celebrating the
coronation of our young and virtuous queen”, members of Court
‘Tees’ No 492 in Middlesbrough marked the occasion with both
loyalty and pomp.
Not only was it Queen Victoria’s coronation, but also the
branch’s anniversary. Joining others in a parade through the
crowded streets to church, branch members then returned
to their meeting room where flags were hoisted upon a “grand
triumphant arch, which extended across the street”, where they
then enjoyed a sumptuous meal.
A shining light
In an era of rationing and drabness, the Coronation edition
of the Foresters Miscellany magazine in August 1953
(pictured left), like the event it was celebrating, came
into members’ lives as a shining light.
In full colour, as opposed to the regular green,
its appearance was dramatic and signified the
importance of the event that had taken place
a few months earlier. Costing threepence and
a halfpenny (under 2p), including postage and
packing, it was described at the Foresters
AGM meeting in Bridlington as “an outstanding
achievement and well worth keeping as a souvenir
of a wonderful event”.
Loyal addresses
Both the accession and Silver Jubilee of Queen Elizabeth
were marked by the submission of a Loyal Address, bearing
the names of the principal officers of the Society. The 1977
Address read: “As Your Majesty’s reign enters its 26th year it
will be our aim to continue [the Order’s] benevolent work with
renewed enthusiasm and determination.”
In an innovatory move, the Society also made a donation
of £2,500 to the Commonwealth Exchange Programme.
Promoting friendship and understanding among young
people throughout the Commonwealth, the programme
acknowledged the
Queen’s interest in the
welfare of young people.
Celebrating
in style
Many members will have
their own recollections
of the Silver Jubilee
celebrations in 1977.
Several were reported
in Miscellany magazine
including the planting of
25 silver lime trees in Great
Cambridge Road, London,
presented to the borough by
Court ‘Edmonton’s Pride’ No 1620.
At Plympton in Devon, a garden seat was
given to a local old people’s home, while at
Knaresborough, North Yorkshire, the branch
took part in no fewer than three events,
including Jubilee Day celebrations held in the
grounds of the castle. Jubilee dinners and
church services were also held by
branches across the country.
Among the individuals
ell us what
you did
What did you do to celebrate the
Queen’s Diamond Jubilee?
Send in your stories and photographs
to Foresters magazine, Specialist,
Clifton Heights, Triangle West,
Bristol BS8 1EJ or email them to
theforester@foresters
friendlysociety
.co.uk
who received recognition
by the award of the
Queen’s Silver Jubilee
medal was past
Society President
and Order Trustee
HI Sparks, for
services to the friendly
society movement.
Diamond
Jubilee 2012
In time-honoured tradition, Foresters
Friendly Society submitted a Loyal Address to
the Queen to congratulate her majesty on the
event of her Diamond Jubilee.
Foresters members were delighted to
receive in return a message of appreciation
from Buckingham Palace, which sent “grateful
thanks for the words of loyalty and support”
for the address (see far left).

26 community
Image: Getty
Foresters
We find out the latest news from all of your incredible
fundraising events, the High Chief Ranger’s charity and
the latest Try Archery Day for some lucky members…
An impressive result
Past High Chief Ranger Richard
Darlington and his wife Doreen have
tirelessly campaigned over the past
year for their chosen charity of The
Guide Dogs for the Blind Association.
The hard work of all the Foresters
members towards this cause was
evident when Richard Darlington
announced at the High Court
conference and AGM in June that they
raised a grand total of £94,037!
Gareth Holmes from Guide Dogs
for the Blind Association was there
to receive the cheque. He was
overwhelmed: “This is fantastic! I know
how hard you worked, especially
Richard and Doreen, but I had no idea
in my wildest dreams that you had
raised that much. Congratulations!”
Andy went on to explain that the
money will go to Buddy Dogs, a new
scheme that helps blind children to
make friends. “We won’t rest until blind
and partially-sighted people can enjoy
the same freedom of movement as
everyone else,” he said.
A further £2,050 was collected
for the charity at High Court with a
pledge to increase the final amount to
£100,000 before the account closes.
in action
A Forester without fear
Jumping out of a plane
may not be everyone’s
way of raising money
for charity, but Chief
Ranger of ‘Court
3511’ Watford John
Sawbridge bravely
strapped on his
parachute on 27th
May at Hinton Airfield,
Northampton. John
was given a tandem
parachute jump as a
present and decided
to use the opportunity
to raise funds for the
Motor Neurone Disease
Association, a charity
of significance for his
family. John has been
a member of Watford
Court since 1962.
John Sawbridge of ‘Court
3511’ flew through the air to
raise money for the Motor
Neurone Disease Association
An exciting Rainbow Dragon Boat Race
On 12th May, an enthusiastic
team of Foresters Friendly Society
employees took part in The
Dragon Boat Challenge 2012 at
Mayflower Park in Southampton
in aid of The Rainbow Centre.
Competition was fierce as
Foresters Friendly Society’s
colourful boat raced against
13 others representing local
companies for places in the
semi-finals.
The Foresters team
won three of its heats very
comfortably but was narrowly
beaten in its fourth heat.
Live music and family fun on
the shore resulted in thousands
of pounds raised for The
Rainbow Centre.
Images: Getty

Lending a helping
hand to Macmillan
We’re delighted to announce that the
chosen charity of newly elected High Chief
Ranger Liz Abbott is Macmillan Cancer
Support. A staggering one in three of
us will suffer from cancer and the charity
provides much-needed practical,
medical and financial support.
Liz explains that she has close
connections to Macmillan having
lost two good friends to the illness.
“Both had the support of
Macmillan which was
second to none,” she
says. “When my
husband was ill,
he had a carer
who looked
after him in
hospital who
went off to be
a Macmillan
nurse. It’s
such a good
charity and
is totally
self-funding.”
More good work by
Foresters members
Naomi Wiliams (centre) is
presented with a cheque
for £3,000 by the East
Midlands Foresters branch
The 2013
Foresters calendar
is now available to order.
£1 from every calendar will go
directly to Macmillan. To order,
contact your branch secretary.
For more information call the branch
helpdesk on 0845 634 4480
or email
mail@foresters
friendlysociety.co.uk
The East Midlands branch of Foresters
were proud to present a cheque for £3,000
to the Alzheimer’s Society at their annual
dinner dance, held at Leicester City football
ground. The Alzheimer’s Society is the
leading charity in the fight against all types
of dementia and works to improve the
quality of life of sufferers.
Through a concert and various socials,
the branch was also able to make a
fantastic £600 donation to the brass band,
Foresters Brass.
Over £5,000
for BASIC
community
Left: Competition winner Barry Head is presented
with a Foresters Friendly Society/Archery GB
t-shirt by Barry Eley from Archery GB. Right: the
winners pose with archer Amy Oliver
Right on target
Six Foresters members and their friends and family took a trip to the Lilleshall
National Sports Centre in April to try their hand at archery. The six were the
winners of a competition featured in the last issue of Foresters magazine and
were joined by members of Archery GB, as they learned how to shoot.
As well as some expert coaching on using a bow and enjoying
lunch at the centre, the competition winners had the opportunity
to meet professional archer Amy Oliver, who has since
competed as part of the Archery GB team at the
Olympics in London.
Mark Edge, who attended the Try Archery Day with his son
Daniel, said: “We had a very enjoyable day and were made
very welcome by everyone we met. The dedication shown
throughout the day by the whole team was evident in every
area.” Fellow competition winner Barry Head said the day
had been “very happy and memorable, and had exceeded
his expectations”.
The Lilleshall National Sports Centre in Shropshire is
the home of Archery GB, with top of the range indoor and
outdoor archery training facilities, as well as a range of
other facilities including a gymnastics hall used by the British
Gymnastics team.
The North Western annual
meeting was an occasion
for celebration when Andy
Golightly from Brain and Spinal
Injuries Centre (BASIC) was
presented with a cheque for
£5,415. It was a last hurrah for
Area Chief Ranger Elizabeth
Wild who supported the charity
during her two years in office
and now steps down. BASIC are experts
in rebuilding lives following a stroke or brain injury and
offer over 30 rehabilitation services to individuals and
families following discharge from hospital.
Andy Golightly
from BASIC
receives a
cheque from
Elizabeth Wild
27

28
Summer
good reads
reads
A good book is an essential
when it comes to packing for
your summer holiday. We
take a look at the books that
are rated as firm favourites
on Foresters Friends…
he book club on Foresters Friends, our online social
networking site, is a great way to check out what
other Foresters members are reading. You can post
about the books you have enjoyed recently and make
comments on others’ choices. Log on now to www.
forestersfriends.co.uk to get a discussion going
about your favourite book!
he Help
by Kathryn Stockett
This book is now an Oscarnominated
film and comes as
highly recommended by our
members, one of whom outlines
the story: “The Help is based on
life in the 1960s in Mississippi,
and looks into the lives of African-
American women who are hired as
‘help’ for white families. They raise
white women’s children, but are not allowed to use the
same bathroom. Kathryn Stockett writes about the
struggle this group of women face to live their dayto-day
lives.” Critics have dubbed it as “daring, vitally
important and very courageous”.
Debs At War
1939-1945
by Anne de Courcy
An inspirational real-life account
of life in war-time Britain for the
upper class debutantes who,
seeing their men go off to war,
were determined to do their
bit too. A fascinating account
of social history, Debs at War
describes a lost era of privilege and includes the
downright dirty and dangerous jobs the women did,
their innocence about childbirth and ignorance about
cooking. A Foresters Friend member says: “A great
book about the real lives of debutantes during the
war – a far cry from dining at the Ritz all the time!”
o Kill A Mockingbird
by Harper Lee
This classic novel, set in the 1960s
in America’s Deep South, won the
Pulitzer Prize on its release and in
1996, Britain’s librarians ranked the
book as one “every adult should read
before they die”. It has certainly had a
deep impact on our readers. One tells
this story: “I first came across the book
at school where I didn’t think much
of it. Years later, I was on holiday and it rained all week. The
only book available to read was To Kill A Mockingbird. Once I
started reading, I could not put it down. The key message in
the book is tolerance and seeing things from others’ point of
view. Until you have walked around in someone’s shoes, you
cannot see life from their perspective.”
We Need o
alk About Kevin
by Lionel Shriver
The Orange Prize-winning novel
that is a powerful and provocative
examination of motherhood has
a Foresters Friend gripped. It’s
written as a series of letters from
Eva as she writes to her estranged
husband about their son Kevin,
who went on a killing spree, aged
15 and shot nine people.
Eva examines her role in
the event. Is it because
she didn’t really want
a baby, because
she wanted a
career or was
Kevin just born
inherently evil?
Win!
A Kindle
e-reader
Plus a £10 Amazon voucher for you
to download all of these novels!
Lightweight, portable, and holding
up to 1,400 books, with your Kindle
you need never worry about a
heavy suitcase again. See the
opposite page for more.

Image: Luke Hayes
Win!
Tickets to the NEW
Seacity Museum at
Southampton!
This year marks the centenary
of the Titanic, that set sail from
Southampton in April 100 years ago.
The newly built Seacity Museum
is holding an exhibition that tells the
story of the tragedy and its impact
on the city. Discover the people
who worked on board, and view
the interactive model that shows a
detailed layout of the ship.
In the Disaster Room, listen
to powerful testimonies from the
survivors describing the sequence of
events from the time the ship hit the
iceberg to its sinking.
We have five pairs of adult tickets
for entry to the museum and the
exhibition to give away.*
For your chance to win a pair
of tickets, just answer the
following question:
In what year did the itanic
tragedy take place?
*Transport is not included.
Win!
A copy of How to Create an
Eco Garden
To inspire you to remodel your back yard into
something truly beautiful, we have five copies of
How to Create an Eco Garden by John Walker to
give away.
Each page of this planet-friendly book is bursting with
Win!
inspirational ideas for creating your own eco garden on any scale
– from a small courtyard to a large garden or allotment. Find out
how to make soil-building compost from kitchen and household
waste, how to utilize sunlight in your garden, and much more!
A brand new Kindle
Weighing just 170 grams and small enough
to fit in your pocket, the Kindle reads like
paper with no glare and holds up to 1,400
books. With a one-month battery life AND
adjustable text sizes, You’ll be HOOKED!
We have a Kindle (worth £89) to give away,
plus a £10 Amazon voucher to get you started
in downloading your new electronic books,
newspapers or magazines!
To win this fantastic prize, just answer the
following question:
Which novel begins with the opening
line:“It was the best of times, it was
the worst of times”?
Go into
space!
Not literally you
understand
but by means
of Cosmos by
Giles Sparrow
(RRP £40).
The book’s
breathtaking
photography
and text takes an ultimate
trip into our own solar system via the
Moon, Venus, Mercury, the Sun and Mars,
to interstellar space and onwards to the
galactic core, a gravitational maelstrom of
exotic stars in the thrall of a supermassive
black hole, ending deep in the cosmos on
the edge of space and time!
We have 10 copies of these wonderful
A3-sized, hardback books for you to win.
COMPETITIONS AND OFFERS
How to
enter
Tick the relevant boxes on the entry
form on page 30, write your answer
if required, fill in your contact details
and send it back to us. Or you
can email us at theforester@
forestersfriendlysociety.co.uk
including the name of the prize(s)
you’d like to win in the subject
line by 30 September 2012.
OUR LUCKY Winners
from the last issue
LOG CABIN HOLIDAY
Mrs J Johnson, Staffordshire
MOLLY DOBBS’ JACKET
Mrs T Watson, Camberley
10 CLASSIC NOVELS
Mrs Julia Arnold, Norfolk
WATERCOLOUR SET
Ken Munns, W Yorks
AA ROAD MAPS
Mr Roy Carrier, Kent; Ann Tarper, Erith;
Miss Clare Glover, Cleethorpes; Rob Rick,
Southampton; Dr Sylvia Baron, London; Mr
A Baldwin, Essex; Martin Ryan, Clevedon;
John Samuel, Hampshire; Mrs C Wedge,
Manningtree.
COLIN’S CROSSWORD
P Havens, Loughborough
29

Puzzles...
30 tea break
RED ARC is pleased to
sponsor Colin’s Crossword
on behalf of
Foresters Care. For
more information
about Foresters
Care and the
complementary
services available to Foresters
members, please ring 01273
716 700 during normal
business hours.
Colin’s Crossword
Number 78
Send us your completed crossword
by 30 September 2012, and the first
name from the hat with the correct
answers will win a £50 M&S voucher.
The two runners-up will each win a
£25 M&S voucher.
You can now enter all our competitions
in one go. Just tick the boxes of the ones
you’d like to enter (see pAGE 29 for more
details ON THE PRIZES), write your answers and
contact details, and post this page back to us
by 30 SEPTEMBER 2012. good luck!
WIN a Kindle e-reader and £10 Amazon
voucher
Which novel begins with: “It was the best
of times, it was the worst of times”?
✁
Quizzes and conundrums for you
to busy your brain cells with...
✁
WIN a copy of Cosmos by Giles Sparrow
WIN Titantic exhibition tickets at Seacity
Museum, Southampton
In what year did the itanic
tragedy occur?
WIN a copy of How to Create an
Eco Garden by John Walker
Now fill in your details below:
Name:
Address:
Telephone number:
Send your answers to: Foresters magazine
competitions, Specialist, Clifton Heights, Triangle
West, Bristol BS8 1EJ. Or you can email them all to
theforester@forestersfriendlysociety.co.uk
Across
1. Laws governing a sport (5)
4. Professional person dealing with teeth (7)
8. Male servants of a lord/ in charge
of wine, tables etc (7)
9. Defence of an accused person/ that
they were elsewhere at the time of
the crime (5)
10. National emblem of Wales (4)
11. One circuit of a track (3)
12. Long periods of time (4)
15. Shirley _______, Welsh singer (6)
16. Showing again of a sequence of action (6)
19. Notified, ordered or instructed (4)
21. A child’s box-like bed (3)
22. Famous Swedish pop group (4)
26. Large passenger ship, ideal for a cruise (5)
27. To place in danger (7)
28. Last name/ second name (7)
29. Famous luxury car/ first name (5)
Down
1. A person who disobeys rules (5)
2. Written messages delivered by
the GPO (7)
3. Egg cell or germ (4)
4. Cheerless, dreary, sorrowful (6)
5. Biblical character who put the animals
in the Ark (4)
6. Used to coat and decorate cakes (5)
7. Feeling a desire to drink (7)
13. The goal in soccer or hockey (3)
14. Woven by a spider (3)
15. Vessels for containing liquids (7)
17. One of the three main political parties (7)
18. Usual name for a portable telephone (6)
20. Relating to the moon (5)
23. A book of maps (5)
24. Expanse of a surface, range or scope (4)
25. Pointed device used by a rider to urge
on their horse (4)

tea break
31
Sudoku
Place a number from 1 to 9 in each
empty cell so that each row, each
column and each 3 x 3 block contains
all the numbers from 1 to 9.
Y
M
R
O
M
A
T
N
I
Word Wheel
Using only the letters in the Wordwheel,
you have 10 minutes to find as many words
as possible, none of which are plurals,
foreign words or proper nouns. Each word
must be of three letters or more, all must
contain the central letter and letters can
only be used once in every word. There is
at least one nine-letter word in the wheel.
Answers to last issue’s Spot the Difference
Cooking Corner
Embrace the season with this
classic British recipe that’s
bursting with summer fruits
Summer pudding
What you’ll need
• 300g strawberries ...or 1.25kg
• 250g blackberries mixed berries
of your choice
• 100g redcurrants
• 500g raspberries
• 175g caster sugar
• 7 slices day-old white bread
How to do it
1. Put the fruit and the sugar in a pan
and gently heat for three to five
minutes. Taste and add more sugar if
you like it sweeter.
2. Cut the crusts off the bread and cut
into rectangles.
3. Line a deep pudding basin or dish
with the bread, overlapping and
pressing the edges together.
4. Ladle in the fruit and place a bread
lid on the top.
5.Cover with clingfilm and put a saucer
and a weight (such as a can of
tomatoes) on the top. Leave in the
fridge for a minimum of six hours.
6. Turn upside down on a serving dish
and shake out gently. Serve with
lashings of cream or crème fraîche.
Answers: 1. Parapet missing on left tower. 2. Window missing from left tower.
3. Zip missing from woman’s coat. 4. Logo missing from woman’s bow.
5. Stripe missing from man’s coat arm. 6. Weather vane missing from the
tower on the right. 7. Part of the man’s bow is missing.
Answers to crossword number 77:
Across: 7 Eleven. 8 Thames. 10 Cleanse. 11 Arena. 12 Meet. 13
Jewel. 17 March. 18 Rear. 22 Plane. 23 Penalty. 24 Credit. 25 Corner
Down: 1 Welcome. 2 Referee. 3 Penny. 4 Sheared. 5 Amber. 6 Oscar.
9 Telescope. 14 Javelin. 15 New Zealand. 16 Prayers. 19 Space. 20
Harem. 21 Onion.
Congratulations
to P. Havens, from
Loughborough,
who won last
issue’s crossword
Images: Getty
Terms & Conditions: All entries for the competitions and prize draws must be sent to us by 30 September 2012 to be eligible for entry. The winners will be the first names with the correct answers pulled
randomly from the hat on 1 October 2012. Prizes are all subject to availability and there is no cash alternative. The editor’s decision is final. For the names of winners of previous competitions, please send
an SAE to: Foresters magazine, Specialist, Clifton Heights, Triangle West, Bristol BS8 1EJ.

o apply for or find out more about any of our products:
08000 214 523 www.forestersfriendlysociety.co.uk quoting ‘SUMMER 2012’
50+ Life Cover
Over-50s life insurance, with
a lump sum payout after death
Available to UK residents aged
between 50 and 80
No medicals involved and cover
from 33p a day
Receive a full legal Will if you pay
monthly premiums of £25 or more,
or a £30 M&S voucher
If you die during the first two years
of the policy, payouts are limited to
the return of premiums, other than
in the case of accidental death
Bond
Invest a lump sum between
£1,000 and £50,000
Withdraw money as a one-off
or on a regular basis (subject
to conditions)
No time restrictions on how
long you keep your Bond
You may not get back what
you pay in, dependent on
the investment term and the
conditions at surrender
ISA
Stocks and Shares ISA investing
in our with profits fund
No Income Tax or Capital
Gains Tax to pay, and no need
to declare it on your tax return
Contribute monthly amounts
from £30, a one-off sum
(minimum £250), or a
combination of both
You may not get back what
you pay in, dependent on
the investment term and the
conditions at withdrawal
ax Exempt
Savings Plan
Monthly contributions of £25
(or £15 if you apply online)
Pays a cash lump sum, free
from Income and Capital
Gains Tax after a chosen fixed
term of 10 to 25 years
For anyone aged 16 and
over, with no upper age limit
Ethical Child
Savings Plan
Invests in environmentally
friendly and ethical companies
Pays a cash lump sum free
from Income and Capital
Gains Tax after a chosen fixed
term of 10 to 25 years
Monthly contributions of £25
(or £15 if you apply online)
Your child may not receive the
full amount saved dependent on
the performance of the ethical
section of our with profits fund
Child Trust Fund Please
note we have now closed this
product for new business, but
you can still top up existing
trust funds with lump sum
contributions (£50 minimum)
or monthly ones (from £5)
Child ax Exempt
Savings Plan
Pays a cash lump sum, free
from Income and Capital
Gains Tax after a chosen fixed
term of 10 to 25 years
Monthly contributions of £25
(or £15 if you apply online)
You choose when your child
receives the lump sum (from
age 16 onwards and subject
to a 10-year minimum term)
Member Benefits
Sickness Policy
For the self-employed,
or those with little or no
employee sickness benefits
Four benefit levels of £100,
£200, £300 or £400
Maximum benefit period of
26 or 52 weeks
For those aged between
20 and 59 (at
commencement)
No evidence of earnings
required
Take out one or more of our products and
you automatically become a member of the
Society, giving you benefits including:
Savings and discounts from leading
brand names
Social events
24-hour advice helpline
Illness or disability support
Discretionary grants
Any money paid into Foresters Friendly Society products is invested in the Society’s with profits fund. Should you apply for any
of our products, it’s important that you carefully read all the documentation provided to ensure you fully understand how the
policy(ies) work(s). Terms and conditions apply. Please note that tax rules may change in the future and will depend on individual
circumstances. Authorised and regulated by the Financial Services Authority (FSA). Incorporated Friendly Society No 511F, FSA
Registration No 110029. The discretionary benefits offered by Foresters are not authorised and regulated by the FSA.
Guaranteed
Savings Plan
Receive a lump sum after a
fixed term of 10 to 25 years
Contribute between £25
and £100 a month. Putting
in £26 or over will provide
guaranteed in-built growth
For anyone aged 16 and
over, with no upper age limit
You must maintain the
premiums for the full term of
the plan for the guarantee
to apply
Product Changes
In reponse to a regulatory update,
we will be making changes to
some of our products which will
apply to products taken out from
Monday 3 September 2012.
For information on the products
that will be changing and how,
please contact us on:
08000 214 523