Why use Multiple Sibling Trusts within a Will?

Leaving assets to a single Trust is a better solution than leaving assets absolutely, but is it the best solution when there are multiple beneficiaries? Multiple Trusts provides both you and your beneficiaries with even more flexibility.

For example if all of your Trustees (who may also be beneficiaries) of a Trust cannot agree on a course of action, it may be that the funds cannot be utilised for the benefit of beneficiaries as a result, meaning the Trust can’t operate effectively.

Separate Trusts are also useful in solving those tricky ‘who gets what’ issues that can arise. Allowing different Trustees to act across a number of Trusts means that each Trust can be managed independently of others. Establishing separate Trusts for each beneficiary also means that individuals needs can be accounted for, as you are able to choose who, what and how you wish your beneficiaries to benefit.

Where the Trustees of a Trust are concerned with one family or member of the family as opposed to numerous individuals with different needs, the management of the Trust can also be simpler.  A group of simple Trusts is much simpler to manage than a single Trust with many purposes, mixed assets, multiple beneficiaries and more potential for conflict amongst them.

For help and advice on creating Multiple Sibling Trusts within a Will please contact Ferndown Business Network member David Booth at DB Consultancy on 01425 480954 or email david@dmsuk.info

Marketing is so much more than promotion

No matter the size of your business every penny you spend & every hour you commit to your marketing has to count towards you achieving your business goals.

Promotion is an important part in your marketing efforts but ‘effective marketing’, the entire marketing that satisfies the needs of your customers is so much more. You can have a great promotional campaign but if your product or service isn’t wanted or you are charging prices that are above what your target customers will pay then it will struggle to deliver.

To have ‘effective marketing’ you need to consider a wider range of factors than just promotion. Much of it isn’t difficult with the result being that it can transform the impact of your marketing. Here are just a few ideas:

• Start with product. Give customers what they need not what you think they need. Think wider than the actual product – consider the other features that surround your product – delivery methods and times, guarantees, installations, refunds, exchange policies – all of which can make your product or service more attractive.

• Speak to your customers. Ask them what they need and want from you. Find out what they think of your product or service and how it can be improved.

• Ask your customers for reviews. If they are liking what you do then encourage them to share with others what they think of your product and to post reviews on-line.

• Regularly monitor your sector and competitors. Consider how tastes are changing or new products are being launched and adapt where necessary.

• Make it easy for people to acquire your product. That maybe how they can find you or buy your product on-line. Make sure your website is mobile responsive and is search engine optimised.

• Develop your team. Ensure that everyone who works for you has great knowledge about your business and offer. Ensure they also have the right attitude & provide the level of service your customers would expect.

• Be responsive to your customers. Ensure you follow up on enquiries quickly – not many buy products or services from a company they have had to chase or have had to wait a long time to respond.

• Deal with customer complaints well. No doubts you have all had customers who haven’t been completely satisfied but how you deal and resolve their compliant will make all the difference to whether they buy from you again or recommend you to others.

• Measure, measure, measure. If you don’t measure your marketing you can’t understand, control or improve it. Use tools such as Google Analytics to see how well your website is working, monitor your email performance or conduct market research to understand what your target audience think about you and your product or service.

Measure4success blog

Measure4success is the blog for e-nexus Ltd.  We are a member of Ferndown Business Network and a Bournemouth based Marketing consultancy specialising in Strategic Marketing Planning and Performance Measurement.  Learn more about what we do and how we can support your business by emailing info@e-nexus.co.uk or by visiting our website at www-e-nexus.co.uk

How well are your assets protected?

Do you have a plan in place to ensure that your wealth passes to the right people at the appropriate time in a manner that provides protection and is efficient for tax purposes? 

Ferndown Business Network member DB Consultancy use Asset Protection Strategies for those who wish to protect themselves and their family’s future inheritance.  They use a tried and tested combination of Wills, Trusts and Powers of Attorney to cover the most common threats to wealth made up from homes, savings, investments, life assurances, pension plans & death-in-service benefits.

Wills ensure the most effective legal ownership of your home whilst setting up Trusts means that your assets are protected from the threat of:

  • The financial burden of long-term care
  • Future insolvency problems
  • Children getting divorced
  • Surviving spouse entering a new relationship
  • Inheritance and other taxes
  • Avoiding the delays associated with probate
  • Legislation changes

David Booth, Director of DB Consultancy said: “We work closely with our clients to create a plan that suits their specific requirements. We put them in control of their financial affairs and provide them with peace of mind. Our approach also ensures that the people you choose can manage your financial and welfare affairs should you become unable to do so due to mental or physical incapacity. This important aspect of planning gives the ones you trust control of important decisions, rather than a government agency.”

DB Consultancy provide a full range of services and bespoke advice in all areas of Estate Planning including Wills, protecting wealth using Trusts, Inheritance Tax Planning and Lasting Powers of Attorney.  Based in Ringwood, Hampshire we benefit from 30 years of experience in Wills and Estate Planning.  We also work in association with The Countrywide Tax & Trust Corporation Ltd.

For help and advice on how best to protect your assets please contact David Booth at DB Consultancy on 01425 480954 or email david@dmsuk.info

Have you calculated your staffs’ holiday entitlement properly?

The first month of 2020 has almost been and gone ….are you all sorted with your staffs’ holiday entitlements for the year?

Here’s some advice and guidance from Ferndown Business Network member, Just Ask Juli

When staff primarily worked Monday – Friday 9am-5pm it was all very straight forward; now however with more and more people working over the weekends, on part time contracts or working compressed working weeks things have gotten a bit more complicated.

It’s our legal requirement as employers to make sure that all our staff receive their statuary minimum holiday entitlement and to make sure that bank holidays are calculated in a fair and consistent manner. Be very careful if your team are primarily part time and you just give them the day off when a bank holiday occurs; you may well be giving more holiday than they are entitled to (which makes you a great boss) or more importantly you may not be giving enough (which makes you an illegal boss)!

So some tips if your work force works differing hours:-

• when calculating holiday entitlement switch from “days” to “ hours”

• make sure its very clear in their contracts as to whether their holiday entitlement includes or excludes bank holidays (note there is a legal minimum that must be observed)

• show clearly on their holiday forms how you’ve calculated their entitlement. Its often useful to show the bank holiday entitlement as a separate figure

• and finally .. remember this year a standard Monday bank holiday has been moved to a Friday so a different calculation may be necessary for some of your team

The HMRC website gives lots of help and useful tools https://www.gov.uk/holiday-entitlement-rights

Need some help? Just Ask Juli!

Supporting Wessex Cancer Trust

Ferndown Business Network is delighted to announce that it has supported FBN Member Wessex Cancer Trust by making a donation of £1000 as part of the Wessex Cancer Trust crisis appeal. 

Wessex Cancer Trust believes that there should be help and support available to everyone living with cancer, when and where they need it.  Every year around 23,000 people are diagnosed with cancer within the Wessex region. A diagnosis can be a shock and have a huge impact on an entire family. Wessex Cancer Trust helps and supports anyone affected by cancer regardless of age, gender or type of cancer.  

Maria Tidy from Wessex Cancer said: “ I’d like to say a massive thank you to Ferndown Business Network for their donation to Wessex Cancer Trust Crisis Appeal. We really are truly grateful for your help and support.”

Richard Morris, Ferndown Business Network Chairman and owner of Signs Express Bournemouth said: “We are delighted to continually support Wessex Cancer Trust.  Wessex Cancer Trust and specifically Maria Tidy from the charity is a major reason FBN is so successful.   As such we are always looking for new ways to support the charity and its fundraising initiatives including our recently announced new donation of £1 per member per month.”

The next time FBN will be supporting Wessex Cancer Trust is at their big fundraising event at Castlepoint on Saturday 25th and Sunday 26th January.  Wessex Cancer Trust needs to raise £600,000 by the end of January 2020 or they risk losing their support centres. So they are asking you to save your £1 coins over the next couple of weeks and bring them to Castlepoint Shopping Park on Saturday 25th or Sunday 26th January to add to their  “Line of Gold”.  If they can fill the line from Asda to Sainsburys in one day they could raise £22,500 and they are going to try to do it twice.

For more information about Wessex Cancer Trust please contact Maria Tidy on 07471 217693 or visit www.wessexcancer.org.uk

Ways to take more care of your eyes

When you consider the fact that you only have one pair of eyes your entire life and that poor vision can make it harder to read, drive and many other things we take for granted on a day-to-day basis, it becomes apparent just how important it is to take care of your eye health.  

Whether you’re blessed with perfect vision or already wear glasses or contact lenses on a daily basis, why not put a few things into practice to minimise the pressure you’re putting on your eyes? Ferndown Business Network member ‘Dr Peter’ of Wessex Aloe would recommend: 

Visit an eye care specialist regularly 

It’s important to ensure you get your eyes checked regularly by an optometrist to test for visual impairment and ensure you have good overall eye health. Your vision can deteriorate over time. Therefore, even if you had perfect vision at an appointment ten years ago, you shouldn’t assume that you still do; regular eye tests are recommended. Having no prescription when you need one, or the wrong prescription (for example, continuing to use a pair of glasses you were prescribed three years ago that are no longer right for you) can really damage your eyes.  

Furthermore, if your optician finds that you need a prescriptive lens, you should ensure that you’re wearing your glasses or contact lenses whenever you need them to prevent eye strain and further damage. Finally, it’s important to remember to take your contact lenses out every night and to follow the appropriate cleaning instructions, in order to reduce the risk of drying your eyes out or getting an infection.  

Remove your make-up every day 

We’re often told that removing make-up is important to let our skin and pores breathe, but it’s equally important to get rid of eye make-up, such as eye liner and mascara, to prevent irritation, eye infections or styes. You can use a product like our Sonya Refreshing Gel Cleanser (Code 605) to gently melt away make-up in a way that doesn’t tug or pull on the delicate skin around your eyes.  

While we’re on the topic of make-up, never share your eye make-up with others! Doing so puts you at risk of sharing bacteria and infections.  

Wear UV protection sunglasses 

We all know how important it is to protect our skin by ensuring our sunscreen has both UVA and UVB protection, e.g. Aloe Sunscreen (Code 617), but have you ever considered the UV protection in your sunglasses? A cheap pair may seem like a bargain, but they often don’t do the trick when it comes to eye protection. If you’re going to be spending a lot of time in the sunshine, it’s especially important to make sure your glasses are blocking 99 to 100% of all harmful UV rays from reaching your eyes.  

Get plenty of sleep 

Ah, there’s nothing quite like a good sleep to help your body rest and repair itself. There are some things that your morning cup of coffee just won’t fix and they are the health issues that can often come hand-in-hand with a consistent lack of sleep. This is true for keeping your eyes healthy, too. If you’re not getting enough sleep, you may find that you struggle with dry, irritated and itchy eyes, and you’ll be tempted to rub at them. This in turn usually contributes to more bacteria entering the eyes and puts you at a higher risk of infection. It’s important to aim for seven to eight hours of sleep per night for optimum all-round health and to avoid those side-effects.  

Limit your screen time 

Grandma’s warnings about getting square eyes from sitting in front of the TV all day may not be literal, but she certainly had a point; staring at a screen all day can be really bad for your eye health, and in this digital day and age we’re often staring at them for upwards of ten hours a day!  

While it’s advisable to limit your screen time, we know that work obligations as well as the draw of smart phones and TV streaming services can sometimes make it difficult, so it’s important to put a few protective barriers in place. For example, you could implement the 20/20/20 rule at your computer while you’re working. Every twenty minutes, look away from your computer and focus on something at least twenty feet away for a minimum of twenty seconds to help refocus your eyes.  

You can also minimise harmful blue light by changing your desktop or mobile phone screens to take on a more sepia tone, or by purchasing a pair of blue light minimising glasses. It may also be worth making it an aim to limit your television viewing time to give your eyes a rest in the evening or to put your phone away several hours before bedtime – something that will help with your sleep quality, too.  

Taking the right vitamins 

We all know the benefits of eating a well-balanced diet with regards to our fitness and weight, but did you know that there are also lots of foods that contain eye-supporting nutrients?  

Some of the nutrients that are really key to eye health include vitamin A, zinc and copper. Lutein and zeaxanthin are carotenoids which are pigments found in plants and in your retina. They’re often found in greater amounts in leafy green vegetables, such as cabbage, kale and spinach, which is where you’ll also find high quantities of copper. Zinc helps to protect cells from oxidative stress and is often found in eggs, dairy products and meat, but for the vegans among us, legumes and seeds can be a good source too.  

You can also supplement a well-balanced diet with our new Forever iVision (Code 624)which contains the antioxidant vitamins C and E to protect cells from oxidative stress, as well as beta carotene from vitamin A and zinc which contribute to the maintenance of normal vision. 

Happy gazing! Don’t forget that these products are available via ’Dr Peter’s’ online shop (www.wessex-aloe.com) or by calling him on 07947 685785. 

Christmas Party 2019 🍾

Thanks to Bournemouth Chamber of Trade & Commerce for organising last week’s brilliant Christmas Party at The Cumberland Hotel. A fantastic night was had by all the Ferndown Business Network members. We are already looking forward to next year’s celebrations.

Not only was it a great party but the event also raised £1,158 for Ferndown Business Network member Wessex Cancer Trust. ❤️

Winter Skincare Routine for Men

Men should never shy away from daily skincare, as like women, their skin is susceptible to age spots, blemishes and uneven skin tone that deserves to be kept under control especially during the winter when temperatures drop.  Your skin’s health should be considered just as important as your health in other areas, so put aside any reservations you have about skincare and complete this winter skincare routine on a regular basis to avoid rough and dry winter skin. 

CLEANSING

Many men start their skincare regime off badly by choosing to wash their face with a bar of soap.  Although this removes unwanted dirt and oil from your face, it can be very harsh and drying on the skin.  A great cleanser should not contain harsh chemicals or detergents that strip away essential moisture. 

Ferndown Business Network member ‘Dr Peter’ has two different cleansers – Infinite Hydrating Cleanser (Code 554) and Sonya Refreshing Gel Cleanser (Code 605) – both are excellent cleansing solutions for men, and the decision on the one you use should be determined by your skin type (dry, oily or combination) and whether you have ageing skin.  Once you’ve chosen which skincare collection you’re going to follow, it’s time to start using the products daily so that you instil a habit.  Always start with the cleanser, cleansing morning and evening, then follow through with the rest of the products.

EXFOLIATING

The next step after cleansing is to exfoliate the skin.  This will remove dead skin cells to make sure your moisturiser is penetrating your skin and working as effectively as possible.  Aim to do this two to three times a week with Forever’s Smoothing Exfoliator (Code 559).  This gentle exfoliator uses natural jojoba beads and bamboo powder to remove dead skin cells without harming the skin and added lemon essential oils which work as a rich moisturiser to hydrate the new skin beneath the surface.

MOISTURISING

Once you have removed dead skin cells, you need to add moisture back into your skin.  Gentleman’s Pride (Code 070) is a great moisturiser to use each morning as it doubles up as an aftershave balm that’s extremely soothing on freshly shaven and sensitive skin.  Feel the icy exhilaration of this unique blend of lubricants and moisturisers combined with pure, stabilised Aloe Vera gel.  With conditioning agents like camomile and rosemary, this popular aftershave will leave behind a fresh and clean masculine fragrance that’ll last all day long.

Ideally you should aim to moisturise twice a day after cleansing but obviously an aftershave balm isn’t the best moisturiser just before bed.  Instead we’d recommend you give Infinite Firming Serum (Code 555) a go.  With powerful natural ingredients and our patented aloe, this cutting edge and rich moisturiser will make your skin feel smooth and firm, and your complexion appear visibly younger.

Whatever products you choose, consistency is key.  Establishing a regular routine for the winter months is necessary for long term skin health so try to stick to your skincare schedule daily for noticeable results that last the test of time.

Don’t forget that these products are available via ’Dr Peter’s’ online shop (www.wessex-aloe.com) or by calling him on 07947 685785.

Just Ask Juli

Just ask Juli started as an idea; I wanted to do something different; to work for  a variety of people; to make peoples lives a little easier … so Just ask Juli was created.

Small businesses are under a lot of pressure at the moment and do not carry any extra staff so, when things become very busy, staff take holiday or go off sick, the implications are felt very quickly. This is where Ferndown Business Network member Just ask Juli comes in. Due to my extensive employment experiences (more about those later) I can help with a variety of tasks ranging from answering the phone, responding to emails to planning an event or managing social media campaigns. All you need to do is Just ask Juli! I’m happy to work for just a couple of hours to help you catch up, a couple of days or a couple of weeks … whatever you need to make a positive difference to you.

Many small companies are aware of the benefits of social media but many do not have the time, knowledge or inclination to “post”, “like”, “tweet” or “re-gram”. I can take all of this off your shoulders and manage your social media on an ongoing basis.

Due to my employment history (yes more of that later) I can also help small charities. They, like businesses often run with the very minimum of staff and rely on volunteers so when something extra needs doing there isn’t always the personnel able to do it. Just ask Juli, and I can come in and help. I can complete funding bids for specific projects, help with preparation of documents, policies, role descriptions or plan a major funding event.

Finally, I would like to be able to help local people. People who have hospital appointments often have to face these alone but would prefer a bit of company. I can pick people up from their homes, take them to their appointment, stay with them while they wait and even have a cuppa with them before we head for home … all you need to do is Just ask Juli.

Now my employment history … I worked for a national publishing company in Poole for 18 years as a senior Production Manager, I’ve worked in several local charities and have been a Samaritan, am a presenter on a local radio station and am an avid dog lover!

So what can Just ask Juli  help with? (list is not exhaustive)

  • Event management
  • Social media management
  • Website updates
  • Creation of newsletters
  • Answering the  phone
  • Email management
  • Diary management
  • Inputting invoices onto accounts system
  • Data entry
  • Spreadsheet creation / updating
  • Updating systems (reducing paperwork)
  • File management
  • Charity fundraising
  • Charity documentation
  • Project research
  • Lifts to / from appointments
  • Shopping companion
  • Online shopping
  • Dog walking
  • Clearing out (recycling) unwanted items

So could I help you or someone you know? ….

Enhancing our clients digital footprint

Irwin Edgehill Training approached Ferndown Business Network member e-nexus LTD to help them develop their marketing. They wanted to work with an agency that could help them enhance their profile and reach new customers. 

Irwin Edgehill Training has been supporting individuals and teams for over a decade.  Founded by Irwin Edgehill, a Bournemouth based trainer and personal development coach, they have helped hundreds of people build their confidence and resilience empowering them to transform their personal & professional lives.

Building on their existing marketing efforts, our initial phase of activity was focused on enhancing their digital footprint to make it easier for potential clients to find them and ensure there is a consistent narrative.  To date we have:

  • Built a new company website (irwinedgehilltraining.com) focusing on content, design and SEO
  • Set up new social media channels and refreshed existing ones
  • Written & posted content for the company’s new Blog and social media channels based on our Social Media Management programme
  • Updated and supplied content to business referral sites
  • Grown social media followers, blog followers and engagement with followers
  • Identified, joined & engaged with other social media communities

Irwin Edgehill Training’s feedback on what we at e-nexus have delivered to date has been: “The best things come to those who wait. Having finally attracted the right company to market my business, I am infinitely pleased that Richard is now helping me move my business to the next level. A straight up guy who professionally delivers on everything he creates, the feedback I have and continue to receive from others on the work e-nexus has produced is fantastic. A very good professional and a nice man, highly recommended.”

Interested in discussing with e-nexus how we can support your marketing needs then email: info@e-nexus.co.uk or call Richard Milton on 07535 612652

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