As we approach the festive period and darker nights, it’s a good time to review security of your home, says Police Scotland.
Do you keep your keys in view of a window? If you have an alarm, do you use it, is it zoned? Have you recorded the serial numbers for your electrical equipment? Are your valuables easily accessible? Have you uploaded your photos to the cloud or onto a hard drive? Here’s a few tips
:• Ensure your locks are tested to British Standard or meet the needs of your insurance company.
• Keep doors and windows locked.
• Keep car keys secure and hidden.
• If you are out whilst it is dark, consider fitting light timers or leaving a light on.
• Fit outside security lights, either motion senor or dusk to dawn.
• Window locks should be fitted where appropriate and used all the time. Do not leave the key in the lock.
• Mark all the electrical equipment with an ultraviolet marker pen
• At the front of the house hedges or trees should be trimmed or cropped so as not to provide cover for thieves.
• Laptop computers and mobile phones are favourite housebreaking targets. These should be locked away or removed from view. Add tracking software to smart phones, laptops and Ipads to aid in the recovery of these items
• Consider investing in a safe or strong box for storage of cash and valuables. A safe should be securely fixed to the fabric of the building and should only be used for short-term storage of cash.
Black Friday shoppers have been encouraged to pay on credit card, do their research before the day and be wary when it comes to some deals this year.
Penny pinching pros from NetVoucherCodes.co.uk have revealed six helpful tips to make a successful Black Friday haul.
Black Friday and Cyber Monday is one of the best weekends of the year to spend money due to the bargain prices many shops offer.
It’s important, however, to stay as safe as you can whilst shopping and to make sure that the deals are actually deals.
A spokesperson for NetVoucherCodes.co.uk said: “Black Friday weekend is one of the best times to buy presents for Christmas, but it can get busy quickly.
“Many shoppers are expected to ditch the shops and buy online this year due to the current coronavirus restrictions, so it’s important to do your research before the weekend.
“By following our tips hopefully you’ll make Santa jealous with your haul of presents, all whilst keeping your bank account happy too!”
These are NetVoucherCodes.co.uk tips to stay safe and have an enjoyable weekend shopping:
1. Make a list
It can be very easy to go blind when you’re confronted with lots of offers. Before Black Friday, make a list of who you need to buy for, or what you want to buy. This will make it more difficult to over buy. You could even have a browse and write down pre-Black Friday prices. Browse around and compare prices, then make a note of the best two websites that stock the products. If it sells out before you have chance to buy it you’ll have a back-up store ready.
2. Social Media
Many brands will be advertising their deals on social media in the lead up to Black Friday. Some may even offer exclusive deals to their followers. If you have the option to follow local stores, this may mean you can enjoy deals exclusive only to individual shops.
3. Start early
Some shops have been known to start their Black Friday deals up to a week before the big day. Sometimes it can pay to buy a few smaller items on these days, so on Black Friday you’ll have more time to trawl through the offers.
4. Be wary
If there’s a deal which looks too good to be true, it probably is. Just because there’s a deal on doesn’t mean you have to buy. It’s easy to think that because an item is reduced on one site then it’s a great deal. It may only be reduced by a small amount or may be even cheaper elsewhere. If you have the time to shop about, do it. Using a price tracking website will let you look at a product’s price history so you can see if it is a great deal or not.
5. Voucher sites
Although some of the offers may seem great already, your bank account isn’t going to say no if you can save even more money! Spend some time going through voucher sites which could help you get even more of a discount on your Black Friday shopping. Write down any codes next to relevant items on your list. This will help speed up the checkout process when it comes to the big day.
6.Card
If you’re planning on making your purchases online, it’s important to consider which card you will be using. If you pay with a credit card or via PayPal you’ll have more protection if anything goes wrong.
Two Midlothian based entrepreneurs have successfully launched a new clothing brand following support from Business Gateway.
Launched in April 2020, MC Apparel is a fashion clothing brand created by Midlothian locals Michael Surgeon and Liam Chisholm. The team identified the opportunity and were motivated to launch their second business after their first paused trading due to COVID-19.
Working closely with Business Gateway, MC Apparel received a variety of start-up support services including support to create a business plan, marketing and networking opportunities, as well as accessing online resources such as webinars and advertising tutorials.
This guidance from Business Gateway ensured the team were able to adapt their business model to meet the challenges posed by the pandemic and increase margins by shifting from early drop-shipping to stock holding, this enabled MC Apparel to improve quality control and reduce delivery timescales for customers.
Michael Surgeon, Founder of MC Apparel, said: “We gained a wide range of support from Business Gateway and this meant the process of launching our new business went smoothly.
“The team at Business Gateway Midlothian have been very supportive during this period and the online workshops we attended were invaluable, helping us to develop a digital marketing strategy that allowed us to reach our target audiences even with the challenges of lockdown.
“I would recommend anyone who is starting out in business to get in touch with Business Gateway. They are always there when you need them and if they don’t have the answer, they can signpost you to the right person or resource.”
When COVID-19 restrictions ease, the team at MC Apparel are looking forward to organising photoshoots to showcase the clothing range and have plans to collaborate with local fashion brands to give away 20 t-shirts to support a local charity.
Annie Watt, Business Gateway Lead Officer, said: “It’s impressive to see how Michael and Liam have adapted to lockdown, identifying an opportunity to launch a new business and taking it forward.
“They have been incredibly proactive, accessing a range of Business Gateway resources, attending workshops and arranging one-to-one sessions via Zoom to receive guidance and support on development plans.
“Recent research by Business Gateway revealed that despite the challenges, COVID-19 has not hampered peoples’ appetite to start a business, and Michael and Liam’s experience is a testament to this.
“While it is a difficult trading environment, I would encourage anyone with an idea for a new business to get in touch and see how our resources, advice and support can help get it off the ground.”
To celebrate Financial Planning Week 2020 (5-11 October 2020) and World Financial Planning Day (7 October 2020), wealth manager Charles Stanley is offering free one-hour consultations with a financial planner.
Advisers in the Edinburgh office will be on hand to help people understand how they can achieve financial wellbeing and identify what steps they need to take to help reach their future goals.
With the market and future so uncertain due to the Covid pandemic, many people are looking at their financial situation as their circumstances are changing, but planning finances can appear daunting and getting it wrong could be very costly.
Anyone with questions around areas such as retirement, savings and investments or estate planning and inheritance, might benefit from getting an outside expert view.
Sam Cowan, Financial Planner at Charles Stanley says: “Many people think that only very wealthy people need advice, but nothing could be further from the truth. Anyone planning for life milestones such as buying a home, planning for retirement or saving for their children’s university education can benefit.
“There have been a number of tax and pension changes over the last year which can be complex which means people often miss out on available options and getting advice can really pay off and make a difference to your financial future.”
To book a video or telephone appointment for a free one-hour, introductory meeting call 0203 553 7384, email or fill in the form through our website. Appointments are limited and are allocated on a first come first served basis.
Top 10 reasons to see a financial planner:
Retirement: Avoid common retirement planning traps and get help in making crucial decisions such as whether it’s better to buy an annuity and how to get the best deal or if it’s better to draw money from your pension without buying an annuity to secure your future income. Some people may be considering, or forced to consider, early retirement and need help in putting their affairs in place.
Pension planning: many people are notputting enough aside to ensure the retirement they ideally want, while others want help in transferring their pensions from one scheme to another and consolidating them.
3. Inheritance: whether you have inherited a sum of money and want to make the most of it, or if you want to plan ahead for passing on your estate to make sure your loved ones get as much of your hard-earned money as possible, it is worth getting advice. The sooner you start planning, the more options you have to minimise the amount of inheritance tax that might be due, such as looking at trusts or lifetime gifts and annual exemptions. Similarly, if the main or sole earner in your household has passed away you may need help in sorting out your financial affairs.
4. Children’s savings: saving little and often from an early age can build into a substantial nest egg by the time your children leave school. Explore the most tax-efficient options of saving, from JISA’s to pensions, and whether cash or stocks and shares solutions are the most appropriate for your needs.
5. Preparing for life milestones: whether you are looking at buying your first home, changing career, starting a family, paying for your child’s education or planning for retirement, it’s important to make sure you are financially prepared. Take time to set goals and think about what your priorities are to put the best savings scheme in place for your life ambitions.
6. Succession planning: having a succession plan in place is crucial to safeguard a continued smooth running of your business or estate. Transferring a business to a new owner can have significant tax implications, so it’s important to understand how the funds from the sale of your company may tie into your own personal wealth objectives.
7. Tax-efficiency: tax rules are complex and there are a number of tax allowances and exemptions to be aware of, to ensure you are not paying more tax than you should be. From Capital Gains Tax (CGT) and Inheritance Tax (IHT) to Charitable Giving and tax-efficient saving, there many ways to make sure you are taking advantage of all the legitimate tax breaks you are entitled to.
8. Long-term care planning: with the onus increasingly on the individual to meet some or all of the expense of long-term care should it be needed, there are a number of options to consider, from covering the costs from savings and investments or taking a Deferred Payment Agreement (DPA) with the local authority to equity release or taking out an immediate care annuity. By planning early, you can ensure you are prepared.
9. Divorce: going through a divorce is a stressful transition and a financial planner can be invaluable when it comes to cataloguing assets and advising on potential distribution, as well as other important factors, to ensure you are in the best possible financial position going forward.
10. Lifestyle protection: make sure your family is protected and reduce the burden of life-changing events by arranging flexible protection policies to provide peace of mind such as life insurance, critical illness cover and income protection.
How to choose a financial planner
Get a recommendation: speak to family and friends and see if they can recommend anyone.
Check qualifications and expertise
Get references: speak to existing clients and check if they advise any clients in a similar situation to you.
How do they charge? Make sure you get a breakdown of their charges and that you fully understand what you are getting for your money.
The psychology of money: can the financial planner work out a financial life plan for you and create a vision for the future with a related financial plan?
Meet them: make sure you feel they understand you and what you are trying to achieve. Establishing a relationship with a financial planner you can trust is critical to achieving your goals. Make the most of free consultations.
Do the understanding test: make sure they explain everything clearly and don’t use jargon. If you can explain their advice to a family friend, and if they understand it and can sense check it for you, then that’s a good way of checking that advice is sound.
What do you really, really want? be clear about the advice you are looking for and what you hope to gain from the meeting and make sure they can offer it and are focused.
Check they are regulated: they should be authorised by the FCA so check they are on its Register.
The Scottish Men’s Sheds Association (SMSA) has released a Covid-19 poster resource pack for Men’s Sheds in Scotland.
The Association is still advising Men’s Sheds to remain closed in Phase 3 however, a recent SMSA poll – on the reopening of Sheds in Scotland – identified that 15% of the Sheds that responded are already open within the Scottish Government’s Guidelines for Phase 3.
The resource pack – currently containing 25 individual posters – will allow Sheds that are open to print off and prominently display the posters that they require for their Shed premises but also help those Sheds considering opening in the future to prepare in advance.
The SMSA is in ongoing discussions with the Scottish Government regarding the closure of Sheds and the health and safety of Shedders during the pandemic.
SMSA is currently working on the guidance (including risk assessments) for Sheds which will be issued at the appropriate time in line with Scottish Government guidance.
More people will be able to benefit from free debt advice following investment from the Scottish Government. More than £2.4 million will be distributed among a number of advice organisations to expand their services and invest in more effective methods to help individuals with problem debt.
The investment will assist projects offering face to face advice using video calls and projects aimed at moving debt solution processes online. This investment will also help the debt advice sector to manage the expected increase in demand as a result of the economic impacts of coronavirus (COVID-19).
AdviceUK will be one of the new recipients of funding and has 70 Scottish-based partners who will now be able to extend their services.
Minister for Communities Aileen Campbell said: “I am pleased that this funding will enable more people to access free debt advice, especially as we expect to see increased demand on these services due to the long term effects of COVID-19.
“Our Debt Advice Routemap sets out our vision for a user-friendly and collaborative free debt advice system in Scotland. Through this additional investment we aim to distribute funds across Scotland, focusing on those hardest to reach, including those who maybe have never sought advice before.
“Debt advice services are looking at innovative new approaches, using technology and new ways of working. I would encourage anyone who finds themselves struggling with problem debt to seek help at the earliest opportunity.”
AdviceUK Executive Director Chilli Reid said: “AdviceUK warmly welcomes this funding from the Scottish Government, which will make a huge difference to people struggling with money worries.
“Our members serve communities across Scotland, and this investment will support them in their vital work tackling child poverty, supporting households on low incomes, and helping those most exposed to the impacts of COVID-19.”
The funding is part of the Financial Services Levy for debt advice which has been increased by the UK Government in response to the expected growth in demand for free debt advice due to the long-term effects of COVID-19.
The funding was devolved to the Scottish Government in 2019 and the Debt Advice Routemap was launched to help improve access to services across Scotland.
Established in 1979, Advice UK is the largest network of independent advice providers in the UK.
Granton Information Centre has continued to provide an advice service throughout the coronavirus lockdown, supporting people with debt, housing and employment issues.
If you need help to deal with mounting debts, or are unclear about which benefits you may be entitled to, call Granton Information Centre on 0131 551 2459 or 0131 552 0458 or you can email info@gic.org.uk
SafeDeposits Scotland is working with landlords who provide student accommodation to help overcome challenges brought on by Covid-19, as the number of overseas students returning to the UK drops.
During lockdown, the not-for-profit organisation reached out to landlords and tenants to provide advice and information around changes to the sector due to the pandemic. It works closely with all landlords including those that have been impacted by the decrease in students enrolling this academic year.
The Glasgow-based tenancy deposit scheme holds deposits on behalf of landlords and agents in line with government regulations designed to ensure responsible leasing.
As the sector continues to work towards pre-Covid-19 levels of activity, SafeDeposits Scotland is urging landlords to focus on providing the best renting experience for current tenants, while considering options to diversify their future tenant base.
Mike Smith, operations manager at SafeDeposits Scotland, said: “UK universities expect to see a £2.6 billion shortfall in the next academic year due to the pandemic, with 20% of domestic students not returning to university, and 75% of overseas students not enrolling this September.
“Pre-lockdown, demand for student accommodation in Scotland was notably high. Boasting some of the UK’s top universities, it’s no surprise areas including Aberdeen, Dundee, St Andrews, Glasgow and Edinburgh experienced an influx of students each year looking for housing.
But despite the drop in numbers of students expected to enrol this year, it’s evident there’s faith in the resilience of the sector, with a number of high-profile developments announced in the past month alone.
“Two recent Edinburgh examples of long-term growth within the sector include the new 120-bed purpose built student accommodation complex set to be built at Haymarket, while Unite Student has confirmed plans for a £24 million build of student flats at Meadowbank.”
To understand the concerns of landlords in the private rented sector during these unprecedented times more clearly, SafeDeposits Scotland carried out research to find out how they have coped during lockdown and how they feel about leasing property in the new academic year.
Mike explained: “We’re confident demand for student housing will return, whether it is in the private rented sector or for purpose-built accommodation. However, until we have a clearer picture of what future academic enrolment figures are like, landlords could consider alternative ways to lease properties.
A good example is renting to young professionals that are looking to move away from home for the first time. The demands of these tenants are similar to students in the private rented sector, and it can be a way of keeping properties occupied until we know more about the future of higher education.
“We recently carried out research with our landlords that are renting to students. This revealed that almost half (43%) secured new tenancies during lockdown while almost three quarters (73%) of this group expressed concerns around what this academic year will look like for them.
“To alleviate concerns, we’ve been working closely with landlords to ensure the tenants they do have in place now have the best experience. To support, we’ve moved our face-to-face workshops online to offer free advice and information. Our Charitable Trust has also recently announced its funding towards research being carried out by the University of Stirling. This research is exploring the benefits of allowing tenants more flexibility to make a house a home.
“We believe having happy tenants leads to longer tenancies, creating more vibrant communities where people want to live. This boosts local economies and helps increase demand for rental property in that area.
“The property sector has been resilient during past economic challenges, but the full impact of the pandemic is yet to be seen. We know the government is working hard to support international students hoping to return to Scotland to continue their higher education studies. This will have a hugely positive impact for our landlords who rely on overseas students to rent their properties, and hopefully we will see the results of this work.
“In the short term, we urge landlords to implement safety guidance from the Scottish Government and manage risk wherever possible, while tenants adhere to the measures put in place.”
“Plan your walk, walk your plan” is the message Sergeant Peter Lorain-Smith of Police Scotland’s Mountain Rescue Team wants to get out at this time.
Peter said: “If you are thinking of heading to our beautiful hills and mountains, it is important to be prepared by planning the route you are going to walk and having suitable equipment and clothing, as the weather up in the hills can change quickly.
“Unfortunately we have come across examples recently of walkers not being prepared for the walks that they are undertaking, including people being on the hills without maps, torches or basic survival gear, or the skills and knowledge to use them. The message remains simple – come to the hills and enjoy them, but be prepared for all eventualities and don’t go beyond your ability.
“We do not want to put anyone off enjoying the great outdoor activities we have here in Scotland but we would ask that people plan their routes, take sensible precautions and consider whether it is safe to climb a particular route. The environment of the Scottish mountains is by its very nature an unpredictable one and it is important that people take as many precautions and plan ahead as much as possible if they are going to go climbing.
“If you do find yourself in need of assistance in the mountains because of being lost or injured then please remember to phone 999 and ask for Police then Mountain Rescue, you will be helped, but because of the COVID-19 restrictions and volume of calls, it may take longer than normal for us to get to you.
“It is also very important to have respect for the Outdoor Access Code, particularly as it relates to where and when not to park, on what can often be narrow and somewhat crowded roads at this time of year. Emergency vehicles can require access to almost anywhere and a badly parked vehicle could hinder emergency access. Use designated parking areas where possible.
Granton Information Centre are delighted to announce that we are resuming our benefits/money/debt advice outreach service at Muirhouse Medical Group from the beginning of September.
The appointments are with our advisor Kay on Wednesday afternoons and can be made by contacting the surgery directly on 0131 202 4444.
Please be aware these appointments are for those people who are registered with Muirhouse Medical Group only.
