Category Archives: Uncategorized

Eastbourne Newsletter – August 2020

The next Eastbourne lunch will be held virtually on the 25th of September 2020, 12:30 PM – 1:30 PM – Book here

Book onto upcoming dates here:

Sponsor:

H&Co_logo_hi-res

Humphrey & Co

Coronavirus hub

Humphrey & Co continue to keep abreast of the updates issued by HM Revenue & Customs (HMRC) in relation to financial support and initiatives relating to the Coronavirus Pandemic; key updates with web links can be found on our Coronavirus Hub https://www.humph.co.uk/coronavirus-hub.
 
You may also like to follow our social media channels:
 
Facebook https://www.facebook.com/humphreyandco
Twitter https://twitter.com/humph_co
LinkedIn https://www.linkedin.com/company/1044506

Brighton Newsletter – August 2020

The next Brighton lunch will be held virtually on the 6th October 2020, 12:30 PM – 1:30 PM, sponsored by Commonhold and Leasehold Experts – Book here

Book onto upcoming dates here:

Sponsor:

Commonhold and Leasehold Experts Limited

Support for the team

We are delighted to welcome Elin Anthony to our team!

Elin is a recent law graduate from the University of Bristol, and joins the team as a legal secretary. Elin hopes to progress through the firm to attain the qualifications needed to become a solicitor. Elin has undertaken a lot of pro bono work throughout her education and will therefore be a welcome addition to the team, who offer a pro bono scheme for leaseholders in need of legal advice. Elin lives locally to the head office in Wales, and will be working alongside Mari and Hannah in the conveyancing team. Elin is particularly delighted to join the team as she is a keen horse-rider, and will have the opportunity to use Mari’s horses based at the head office!

Hove Newsletter – August 2020

The next Hove lunch will be held virtually on the 8th of September 2020, 12:30 PM – 1:30 PM – Book here

Book onto upcoming dates here:

Sponsor:

Sarah Hurst Portrait Logo - High Res_White (1)

Sarah Hurst Skin Clinic

How to treat problem skin and acne successfully without resorting to medication

Problem skin and acne blights many a person’s life and it is a condition that we see much of in the salon. It isn’t a condition that affects only teenagers but many adults also suffer with this debilitating condition.  It is believed that ¾ of people between the ages of 11 – 30 will have acne at some time. 

The skin is the largest organ of the body and is there to protect us and our inner organs.  Because it is the outer organ, it is the most visible and when the skin is compromised it affects us both physically and mentally.   

Human skin has tiny holes in it called pores.  These are connected to sebaceous glands which produce oil (sebum).  This oily fluid carries dead skin cells up to the surface of the skin, and when they become blocked, spots occur that cause a blockage of oil under the skin. 

Propionibacterium acnes is a type of bacteria that lives in the skin.  There are different strains of the P.acnes bacteria and these can aggravate an immune response that cause acne. 

What causes it?  There is no definitive answer and there could be one cause or a variety of causes.  Environmental factors can contribute, so it is important to look at this when we perform a consultation.  We need to know the conditions that you are faced with every day so that we can address this if necessary.  Links have now been made to a high GI diet (high in carbs and sugar) and dairy products can have a direct effect on acne. 

Hormones are believed to be a contributing factor, particularly a rise in the Androgen levels.  This can cause the sebaceous glands to enlarge, producing more oil, breaking down the skin cell wall within the pores and causing a rise in bacteria. 

Most make-up on the market have a high chemical content.  These chemicals can aggravate the skin and block the pores. 

Genetic factors can also contribute as can some medications. 

In regards to treatment, at this time no-one can claim to cure acne!  But we can give it a helping hand.  By completing a thorough consultation, looking at all the factors that may be contributing to the condition, we can make recommendations based on our findings. 

Vitamin A is known to be successful with helping with this condition.  Most medications prescribed by the doctors are formed from Vitamin A (Retin A)  Unfortunately, whilst they can be highly successful, they have a myriad of side effects, including making the skin super sensitive and play havoc with our mental health. 

Environ products contain the highest form of Vitamin A that you can find in a cream before going onto medications.  This form of the vitamin is a form that is naturally found in the body, but when absorbed into the skin converts to Retin A, but without any of the harmful side effects!  This has got to be a winner. 

Feeding the skin from the inside is equally important and this is where we can approach it with Skin Accumax from the Advanced Nutrition Programme.  Containing a patented mix of Vitamin A and DIM (a nutrient found in Broccolli), clinical trials have been carried out which demonstrate the success of this supplement. 

Mild skin peels using either our Mesoestetic pharmaceutical range of peels, really help to sterilise the skin and again has huge benefits.  Salycylic Acid has a very deep and purifying effect on the skin. 

Finally, it can also be worth looking at food intolerances, and we can guide you towards tests that can show you which foods you are intolerant to, and then this can help with making some lifestyle changes. 

If you would like to find out more, then please call us and make an appointment for a full skin analysis where we can talk you through your options. 

Hove Newsletter – July 2020

The next Hove lunch will be held virtually on the 8th of September 2020, 12:30 PM – 1:30 PM – Book here

Book onto upcoming dates here:

Sponsor:

Sarah Hurst Portrait Logo - High Res_White (1)

Sarah Hurst Skin Clinic

Do you want to Face the World with confidence with skin that you love?

Our bespoke Rebalance, Repair, Restore skin programmes will help you do just that.

What does this mean?

Rebalance:  We look at treating the whole you.  Skin health starts from within and if your gut isn’t functioning well then this can really show on the skin.  Skin specific probiotics are important to really ensure optimal gut health and prepare it for receiving other oral skincare.  Skin isn’t just about feeding it from the outside.  We need to address it from the inside too as skin care applied topically can only reach so far into the skin.  By feeding it from the inside too we can reach the skin from both sides.  Topical skincare is massively important too, especially of cosmeceutical grade, which means that it can reach the deeper layers of the epidermis.  We also look at your diet and lifestyle to assess any triggers for skin conditions.

Repair:  By treating the skin with this holistic approach means that we aid in repairing it.  By using pharmaceutical grade ingredients in our treatments and skincare we can offer so much more than a facial that simply makes you feel good for a few days.  The ingredients we work with have been proven to work on a cellular level within the skin which bring about dramatic results.

Restore:  By following this process we can restore your skin into the skin that you have been dreaming about and this also works on restoring your confidence.  Win, win.

We are now able to offer face treatments from the beginning of August so if you would like to find out more about our Rebalance, Repair, Restore programme then please do call us on 01273 270709 and we can book you in with one of our Aesthetic Therapists for a full skin analysis using our Observ Skin Scanner.  We can then guide you through your bespoke programme to achieving skin that you love.

Eastbourne Newsletter – July 2020

The next Eastbourne lunch will be held virtually on the 25th of September 2020, 12:30 PM – 1:30 PM – Book here

Book onto upcoming dates here:

Sponsor:

H&Co_logo_hi-res

Humphrey & Co

Summer Economic Update

On 8th July, the Chancellor Rishi Sunak made a speech entitled “Summer Economic Update” where he unveiled further Government supports and he unveiled the Government’s plan for jobs which he described as the “Second phase in in the Government’s economic response to the crisis.”

Here are the highlights and we will update you on the details in the next news update as the Government publishes the specifics of the support measures.

You can also keep up-to-date by visiting our Coronavirus Hub where we have produced a table of Key Dates for Coronavirus Business Support Schemes. https://www.humph.co.uk/coronavirus-hub or follow our social media accounts:

Facebook

Twitter

LinkedIn

The “Plan for Jobs” PDF can be seen here: DOWNLOAD PDF

CORONAVIRUS JOB RETENTION SCHEME (CJRS) AND JOB RETENTION BONUS

The CJRS ends in October and the Chancellor looked to cushion expected redundancies with the announcement of a Job Retention Bonus (JRB). The new scheme will give employers £1,000 for each previously furloughed employee they retain and keep in employment until January 2021, as long as they are paid at least £520 a month. Further details of the scheme are expected later in July.

KICKSTART SCHEME AND MEASURES TO HELP PEOPLE FIND WORK

In order to support people finding jobs, the Chancellor announced the Kickstart Scheme, which will provide £2 billion to support the creation of “high quality” six-month work placements for 16 to 24-year-olds on Universal Credit and at risk of long-term unemployment.

The Government will provide employers that offer the placements funding equivalent to 100 per cent of the relevant level of the National Minimum Wage (NMW) for 25 hours a week. It will also cover the associated Employer NICs and minimum automatic enrolment pension contributions.

Rishi Sunak also outlined additional measures, including funding for traineeships and employers that hire new apprentices, as well as funding for several careers and job-finding programmes.

The apprenticeships funding will provide £2,000 to employers in England for every apprentice hired under the age of 25 and £1,500 for each newly hired apprentice aged 25 or older. This funding is in addition to schemes already in place to support employers in taking on apprentices.

VALUE ADDED TAX REDUCED RATE FOR HOSPITALITY AND TOURISM SECTORS

The Chancellor outlined a VAT rate cut for the Hospitality and Tourism sectors from 20 per cent to five per cent. The measures relate specifically to food and non-alcoholic drinks and to accommodation and admission to attractions, with further details expected to be published later.

The VAT rate change comes into effect on Wednesday 15 July 2020 and will be in place temporarily until 12 January 2021.

EAT OUT TO HELP OUT

The “Eat Out to Help Out” scheme will provide a discount of 50 per cent of up to £10 a person on eat-in meals, including non-alcoholic drinks, at participating establishments on Mondays, Tuesdays and Wednesdays for the month of August.

Restaurants, cafes and pubs can sign-up for the scheme on a new website on Monday 13 July 2020.

STAMP DUTY LAND TAX HOLIDAY AND JOB CREATION MEASURES

There is a temporary cut in Stamp Duty Land Tax (SDLT) from 8 July by raising the nil-rate band from £125,000 to £500,000 until 31 March 2021. The Treasury estimates that, as a consequence, around nine in 10 people buying a main residence will pay no SDLT.

Further details can be found on SDLT changes here: https://www.gov.uk/guidance/stamp-duty-land-tax-temporary-reduced-rates

RESIDENTIAL RATES ON PURCHASES FROM 8 JULY 2020 TO 31 MARCH 2021

If you purchase a residential property between 8 July 2020 to 31 March 2021, you only start to pay SDLT on the amount that you pay for the property above £500,000. These rates apply whether you are buying your first home or have owned property before.

You can use the table to work out the SDLT due:

Property or lease premium or transfer valueSDLT rate
Up to £500,000Zero
The next £425,000 (the portion from £500,001 to £925,000)5%
The next £575,000 (the portion from £925,001 to £1.5 million)10%
The remaining amount (the portion above £1.5 million) 12%

From 8 July 2020 to 31 March 2021 the special rules for first time buyers are replaced by the reduced rates for additional properties 

Higher rates for additional properties

The 3% higher rate for purchases of additional dwellings applies on top of revised standard rates above for the period 8 July 2020 to 31 March 2021.

The following rates apply:

Property or lease premium or transfer valueSDLT rate
Up to £500,0003%
The next £425,000 (the portion from £500,001 to £925,000)8%
The next £575,000 (the portion from £925,001 to £1.5 million)13%
The remaining amount (the portion above £1.5 million) 15%

New leasehold sales and transfers

The nil rate band which applies to the ‘net present value’ of any rents payable for residential property is also increased to £500,000 from 8 July 2020 until 31 March 2021.

The following rates will apply:

Net Present Value of any RentSDLT rate
Up to £500,000Zero
Over £500,0001%

Companies as well as individuals buying residential property worth less than £500,000 will also benefit from these changes, as will companies that buy residential property of any value where they meet the relief conditions from the corporate 15% SDLT charge.

On the 1 April 2021, the reduced rates shown in the above tables will revert to the rates of SDLT that were in place prior to 8 July 2020.

As outlined above we will keep you up to date with these and other measures as the Government releases further details. Please talk to us if you need any help during this time.

Brighton Newsletter – July 2020

The next Brighton lunch will be held virtually on the 4th August 2020, 12:30 PM – 1:30 PM, sponsored by Commonhold and Leasehold Experts – Book here

Book onto upcoming dates here:

Sponsor:

Commonhold and Leasehold Experts Limited

Expanding in difficult times

We are delighted to welcome Jude Owen and Elin Dukes to our team this month!

CLE was set up two years ago with a view to the team working from home and on a fully flexible basis. CLE recognised that in changing times, not all lawyers were keen to work in a formal office environment during the usual working hours. Since setting up, CLE has grown having attracted like-minded lawyers. Whilst the pandemic has been a negative experience for all of us, it has made many lawyers reassess their own positions and career goals. This has prompted us to engage in discussions with various lawyers over the last few months and to assess our own direction of travel. With the country facing some tough months ahead, we decided to take a leap of faith and expand our team while we can.    

Jude joins the team as a property litigator, having qualified as both a barrister and solicitor. Jude has extensive court and tribunal experience on a range of matters. Jude works with Mari in Wales but has already taken on a healthy case load from across the country. Once the courts reopen properly post-pandemic, Jude will be putting her advocacy skills to good use. Jude also assists Mari with the running of CLE’s pro bono clinic, which gives advice on property-related disputes to those who cannot otherwise afford legal advice.

Elin joins the team as a wills and probate solicitor and will be responsible for setting up CLE’s new wills and probate department. Elin works from West Sussex but will be working closely with Hannah, our conveyancer in Hertford. Elin joins us part-time initially as Elin also acts as a visiting lecturer for the University of Law and as a freelance writer for various publishers working on textbooks, practice notes and mock examination questions.     

The team at CLE are pleased to be joined by two exceptional lawyers and look forward to working with them.  

Hove Newsletter – June 2020

The next Hove lunch will be held virtually on the 14th of July 2020, 12:30 PM – 1:30 PM – Book here

Book onto upcoming dates here:

Sponsor:

Sarah Hurst Portrait Logo - High Res_White (1)

Sarah Hurst Skin Clinic

Time to Talk – My story regarding mental health

Today is “Time to Talk” Day.  It’s a day that encourages everyone to talk about mental health.  I feel that it is so important to talk about this, as it is an illness that there is still so much stigma surrounding, yet it is just that, an illness and it affects one in four of us.

My own life has been surrounded by mental health issues including my own and others around me.  I was a massively under-confident teenager, scrabbling around trying to make sense of the world and this affected my ability to make friends and my self esteem.  As i grew up I drew on my experiences to make me into a stronger person.  For others, it’s not so easy.  My partner has always suffered with depression and my children have as well.  I can tell when James is low, and it’s not always easy as he can deflect his feelings over and be irritated easily.  I’m glad that I (sometimes) recognise it, as it allows us to talk about it more openly and him to sometimes acknowledge how he’s feeling himself.

For my children it has been a constant battle.  With my daughter I don’t really remember a time when she wasn’t depressed, which is sad in itself.  She has suffered with this all her life and this has really affected her ability with friendships and introversy. She was bullied at school.  There is a question mark around Borderline Personality Disorder. She has recently gone through a very dark period in her life.  I credit the picture to her as it is one of her passions, and he is now on a brilliant journey finally studying her passion of art at university and bringing it to life.

With my son, it’s been difficult, because unlike my daughter who is much more open, he is very closed off.  I guessed from around 14 that he had depression, but he would never admit it to me when I asked him about how he was feeling.  He was introverted, yet despite having friends he never really went out of his way to socialise with them. He lacked motivation with most things.  He’s so bright and went off to university to study Chemical Engineering, but after going through some traumas he didn’t complete his degree and eventually came home.  He has battled through some really hard times, and he still has some way to go.  He is however working in a very good job (though possibly not his passion, which he hasn’t really worked out yet), putting his life in order and planning an amazing trip away travelling.

I am so proud of all of them.  There is no quick fix to mental health but talking is a start.  Find someone you trust and open up to them about your feelings.  It’s not a demon you want to face by yourself. #TimeToTalk

Eastbourne Newsletter – June 2020

The next Eastbourne lunch will be held virtually on the 17th of July 2020, 12:30 PM – 1:30 PM – Book here

Book onto upcoming dates here:

Sponsor:

H&Co_logo_hi-res

Humphrey & Co

The Partners and staff at Humphrey & Co hope that everyone is keeping well and staying safe. Our offices remain closed but we continue to assist our clients and deal with new enquiries whilst working from home over secure connections.

We have been updating our Coronavirus Hub with the information issued by the Government to support businesses and individuals. We will continue to update the hub with the latest developments so please check back regularly. Alternatively you can follow us on our social media channels below:

Twitter  https://twitter.com/humph_co

Facebook https://www.facebook.com/humphreyandco

New Partners

We are delighted to announce that our two Associates have become Partners this month.

Lewis Hampton and Mike Bryan have both been working for the practice for a number of years and their dedication to providing excellent service for their clients is being recognised with their progression to partners within the firm.

Lewis joined us in 2010 and qualified as a Chartered Accountant and Chartered Tax Adviser in 2011 and 2017 respectively. Lewis is based in our Eastbourne office and acts for a broad range of clients located in different areas of the UK. He has a special interest in individuals and corporate bodies associated with the Lloyd’s of London insurance market and provides a number of specialist services including auditing, valuations and tax advisory and compliance.

Mike Bryan completed his honours degree in Accountancy & Finance in 2010; he then went on to study for his Chartered Accountant qualification which he achieved shortly after joining the firm in 2014. Mike has worked within the healthcare sector throughout his career and has expert knowledge and experience in this industry. He also presents seminars on accountancy and taxation to healthcare professionals and has provided healthcare updates to some of the leading UK banks.

Lewis said “I am delighted and extremely proud to be appointed a partner of the firm after many years of hard work. It has been my aim since starting my accountancy career to become a partner so I am pleased to have been able to achieve this with a firm like Humphrey & Co.

I’m looking forward to working with the other partners to drive the firm forward during this challenging time whilst continuing to provide an excellent service to our clients”.

“Joining the partnership in May 2020 was an immensely proud occasion” said Mike. “I would like to thank the partners for allowing me to achieve my ambition since embarking on a career in accountancy 10 years ago.

The partners continue to inspire and motivate our team by proving that hard work, motivation and sound knowledge can be rewarded with career progression.

I will continue to provide my clients with a pro-active and exemplary service, assist clients to overcome the challenges that COVID-19 presents and look forward to positively impacting the firm and my clients in the years ahead.”

Anthony Smith, Senior Partner comments “Succession within any professional services firm is critically important and we often plan years in advance to ensure a seamless transition for our clients and continuity of service. We also need new partners to fuel our continued growth especially in our niche areas.

Lewis and Mike have shown determination and ambition over the past 2 or 3 years especially, and we are delighted that they have now committed to Humphrey & Co for the long term. These are undoubtedly extremely challenging times, and as a partnership, we are confident both Lewis and Mike will skilfully guide our clients to calmer waters on the other side, and beyond.

We have big plans for them both and combined with their skill sets, we are excited about the future. In the meantime, all the existing partners offer their sincere congratulations. It’s just a pity we can’t celebrate together at this time in a more traditional fashion!”

London Newsletter – June 2020

The next London lunch will be held virtually on the 24th of June 2020, 12:30 PM – 1:30 PM – Book here

Book onto upcoming dates here:

Sponsor:

The Route City Wealth Club

It’s New, it’s Exciting and it’s Here for You – Our Member Portal is now Live.

Our valued Members know, and expect, that we will always endeavour to explore new ways to offer the very best in communication and value-driven interaction.  Visibility, transparency and outstanding client service underline everything we do.

When it comes to keeping ahead of the curve, here at The Route our goal is simple: to develop new, innovative ways to keep you up to speed with your assets and investments.  

Putting You First with the Latest Technology

It’s arrived.

We’re delighted to announce the launch of our brand-new Member Portal, an easy-to use, completely exclusive section of the website that’s customised just for you.  Just a few short clicks, and you’ll have instant access to the very latest facts and figures on your entire range of commitments with us, whatever and wherever they may be.

Updated every 24 hours, the Member Portal has been designed with you in mind.  In-depth, yet entirely transparent, you’ll find the latest snapshot information on all the pertinent, relevant aspects of your assets.  From the performance on your savings and investments, details of loan repayments, mortgages, fund performance, your property portfolio status – we’ve taken the most current data available to deliver it on a single, intuitive platform.  

What’s more, you’ll be able to see any potential new investments to support your current portfolio; possible add-ons to your current assets with The Route.  This is an added layer of oversight that’s purpose-built for your needs.

Simplicity is best.  Clarity is essential.  The Route – City wealth club has combined both, with the very latest cutting-edge technology to go beyond a “nice-to-have”. 

Stay informed on the move, with secure, easy access on your tablet or mobile phone.  If you need assistance, just click on the screen hints next to the menu in the top right corner of your screen.

A Unique, Customised Single Source of Data

The Route’s Member Portal has been created specifically for our business and of course, first and foremost to meet the needs of our Members.  It’s a bespoke platform that’s unique to us. This is no off-the shelf product; in fact, that wouldn’t have been possible.  Why?  Because our range of products is unique, and we needed something equally as unique to support them.

Why Have We Developed Our Member Portal?

The short answer is: To support and expand our regulated advisory services.  We wanted something  to sit perfectly alongside, perhaps even expand how we already work with you. A tool that could answer questions, or alternatively, encourage you to contact us for more information.   

Our Member Portal has moved on from its earlier version.  It now delivers an across-the-board, single source of information, reflecting our service offering in full.  And, it’s available to everyone.  Previously focused solely on The Route – Finance part of our business, we’ve been listening.  

Meet the Developer

We’d like to pass our acknowledgement and thanks to James Wrighton of Venture Networks, a developer of extraordinary skill and vision.  With his in-depth technical know-how, James has delivered over and above on his brief, offering guidance, advice and fresh ideas when they were needed.  Thank you, James.

We’re excited about our new Member Portal.  Here at The Route, we value innovation, and the benefits it can offer our Members. 

This is a platform that could offer you even greater transparency, with robust reliability and insightful visibility. It’s simple and fast, and will help you to make clear, informed decisions on your assets and investments – this is a tool that makes sense of investing.

Hove Newsletter – April 2020

The next Hove lunch will be held virtually on the 12th of May 2020, 12:30 PM – 1:30 PM – Join here

Book onto upcoming dates here:

Sponsor:

Sarah Hurst Portrait Logo - High Res_White (1)

Sarah Hurst Skin Clinic

Lockdown Hell or Lockdown Heaven?

Lockdown due to Covid-19 pandemic has been in place now for nearly 6 weeks.  We closed the doors to the clinic on Friday 20th March after a difficult and stressful week.  My team were concerned for their own health and after much deliberation we closed before we were forced to close anyway.  We felt it was the socially responsible thing to do.

It is hard to take when this is your baby and has taken blood, sweat and tears, but this was not the time for feeling sorry for myself.  This is for the greater good after all and it is important that we all do our bit.  I was also feeling like I needed a holiday, so this was the perfect time, right? Umm, not quite.

The first couple of weeks was fraught with employment obligations.  The government were announcing new initiatives every day and it was difficult to keep up and work it all out.  My family had all come home.  My son had been travelling the world for the last year and Covid had been following him for a while, so it was safer for him to be home.  He arrived with his new America girlfriend who he had met travelling and we went into lockdown together.  My daughter also arrived home from London.  She is a student at university there.  There was a period of adjustment whilst we all got used to sharing the house together again and we were all going through our own “thing” with what was going on.

I was determined to stay positive to use this time for the greater good.  I was feeling really overwhelmed in the early days because there was so much information being thrown at us, I felt like a headless chicken.  I decided I had to pick and choose what I was going to concentrate my efforts on.

For me, this time has been about using the time wisely to start planning strategies for how we can come back bigger and better, more on this will follow. I started working on an online store and we are hoping to launch this in about 2 weeks’ time.  We are now also softly launching our online Zoom skin consultations.  These are currently being offered complementary.  If you are thinking that you skin could do with some attention, then please reach out and let’s arrange a time.

I have been doing regular yoga to ensure that I stay physically and mentally strong.  There is some great stuff on YouTube.  Sylvia, my son’s girlfriend, is an exercise freak, so she is happy to join in and when the weather was hot, we were even doing yoga in the garden 😊

I have started working on my mindset and have even enrolled in an online NLP course.  However, enrolling doesn’t mean that I have started it yet, but is on my list.

So, all in all I have found this time to be a great time to reflect, be thankful and make positive changes.  It’s a shame the reason why we are forced into this was because of something so tragic and I want to take this moment to thank ALL the keyworkers out there, of whom I know a few and what a magnificent job they are doing.

Let’s hope that we take enough away from this to make it a better world on our return.

You can reach Sarah at:  contactus@sarahhurstskinclinic.co.uk or call 01273 270709.

You can follow us on FB and IG @sarahhurstskinclinic and can also find us on YouTube.  We would love for you to subscribe to our channel.  This is where you can get our latest updates and would be a great support for us during this time.  We are looking to set up educational hints and tips and showcase what we can offer.  During May we are focussing on hair removal treatments and we would love to see you there.