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f aye@pr epar edmedi a. co. uk

www. pr epar edmedi a. co. uk

01823618170 13t hJanuar y2017

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Heal t hcar e&Nur si ng

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Legal

THE SCALE OFMENTALHEALTH I SSUES CAUSED

BY DEBT UNCOVERED Cr edi t f i x ,t heUK’ sl ar ges tper s onal i ns ol v enc ypr ac t i c ehasr el eas ednewf i gur es t hats howt hatper s onal debti shav i nganegat i v ei mpac tont hement al heal t hof i ndi v i dual saf f ec t edbyf i nanc i al pr obl ems .

I naUKwi des ur v eyofpeopl ec ur r ent l yi nanI ndi v i dual Vol unt ar yAr r angementor Pr ot ec t edTr us tDeed( I VA/ PTD)wi t hCr edi t f i x ,74perc entofr es pondent ss ai d t hei rper s onal debts i t uat i onhaddi r ec t l yl edt opoorment al heal t h,s uc hasi nc r eas edanx i et y ,depr es s i onandi ns omni a.

Oft hi s ,83perc entex per i enc epoorment al heal t h,32perc ents ai dt heyex per i enc edi nc r eas edl ev el sofanx i et yors t r es s ;whi l s t22perc ents ai dt heyhads uf f er edf r om i ns omni aandot hers l eepr el at edpr obl ems .Depr es s i onwasal s oc i t ed amongs tt hos et ac k l i ngdebt ,wi t h15perc entoft hepeopl er epor t i ngpoorment al heal t hs ay i ngt heyf el tdepr es s edasadi r ec tr es ul toft hei ri nc r eas i ngdebt .

Ther es ul t soft hes ur v eyal s os howt hat6perc entofr es pondent ss uf f er edf r om wei ghti s s ues ,and3perc enthadpani cat t ac k sasar es ul toft hei rper s onal f i nanc es .

Thes er es ul t sar ec ompoundedbyt hef ac tt hats i gni f i c antpr opor t i onofr es pondent sar et r y i ngt omai nt ai nf ul l orpar t t i meempl oy ment ,r el at i ons hi psands uppor tt hei rf ami l i es .Ass uc h,t her eal i t yofper s onal debt r el at edment al heal t h i s s uesi spot ent i al l yawi derpr obl em i ns oc i et y ,wi t ht heef f ec t sr eac hi ngf ari nt o c ommuni t i esandt hewi derec onomy .

Cr edi t f i xi st heUK’ sl ar ges tpr ov i derofI VA/ PTDs ,hav i nghel pedov er19, 000 peopl es of ari n2016.Theor gani s at i oni sex pl or i ngf ur t heri nt oment al heal t hwi t h t hehel pofi ndus t r yex per t s ,i nc l udi ngs uppor tf r om uni v er s i t yac ademi c sandaddi t i onal r es ear c hpl annedf or2017.

J oBr ewi s ,whoi sPr of es s orofOr gani s at i onandCons umpt i oni nt heSc hool of Bus i nes satt heUni v er s i t yofLei c es t er ,c omment ed:

“ Per s onal f i nanc ei snowmuc heas i ert os ec ur eduet ot hehuger angeofpr ov i der sandt headv entofnewf i nanc i al s er v i c ess uc haspay dayl oans .Howev er ,i t c anal s obev er yc ompl ext ounder s t and,whi c hi nc r eas est hel i k el i hoodofdef aul t s .I ndeed,i ndi v i dual i ns ol v enc yr at eshav ebeenr i s i ngac os st heUKs i nc e mi d2015. “ TheCr edi t f i xs ur v eyi si mpor t antr es ear c hi nt hi sc ont ex t ,andt her es ul t sar eex t r emel ywor r y i ng.Thef ar r eac hi ngef f ec t sofment al i l l nes sasar es ul tofper s onal debti nc l udeagr eat erbur denont heNHSaswel l ast hec ons i der abl et ol l f ori ndi v i dual st hems el v es ,t hei rf ami l i es ,c ommuni t i es ,c ol l eaguesandempl oy er s . ” Pear s eFl y nn,CEO ofCr edi t f i x ,added: “ Thei mpac tofper s onal debtdoes n’ ts t opats omeone’ sbanks t at ement .I ndi v i dual st hatar es t r uggl i ngwi t hdebtneedhel pands uppor t ,nott obes t i gmat i s ed.At Cr edi t f i x ,al l s t af far et r ai nedt odeal wi t hv ul ner abl ec us t omer sandt oens ur et hey f eel s uppor t edandunder s t ood–r egar dl es sofwhatl ev el ofdebtt heyar edeal i ng wi t h. “ Ment al heal t hi s s uesl i k eanx i et yanddepr es s i onar es er i ousc ondi t i onst hat peopl ear es t r uggl i ngwi t h,andc anhav ek noc k onef f ec t st hati mpac tonf ami l y member s ,f r i endsandwor kc ol l eagues . “ Thewor r y i ngf ac ti st hatment al heal t hpr obl emsc anl eadpeopl et os pi r al i nt o f ur t herdebt .Wheni nf ac tt hos et hatt ac k l et hes i t uat i onheadonands eekhel p, s uppor tandadv i c ear et heonest hatar eabl et obef i nanc i al l yr ehabi l i t at edand enj oyadebtf r eef ut ur e. ” Formor ei nf or mat i ononCr edi t f i x ,v i s i twww. c r edi t f i x . c o. uk .

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Ar t s&Her i t age

New t echni quer eveal s6, 000year ol d manuf act ur i ngpr ocess T ounc ov ert hes ec r et sofa6, 000y ear ol damul et ,t heol des tk nownl os t waxc as t obj ec t ,s c i ent i s t shav edev el opedanov el i magi ngt ec hni quet hatal l owst hemanuf ac t ur i ngpr oc es st ober ec ons t r uc t edatal ev el ofdet ai l nev erac hi ev edbef or e.

Res ear c her sf r om t heI PANEMAl abor at or y( CNRS,MCC,UVSQ)ands y nc hr ot r onSOLEI LatUni v er s i t éPar i s Sac l ays t udi edt heamul etf r om Mehr gar h,Pak i s t an,us i nganewphot ol umi nes c enc ei magi ngappr oac h.Thef ul l c or r os i onoft he ar t ef ac tmadebyl os t waxc as t i ng–amet hodus edt odupl i c at emet al s c ul pt ur es c as tf r om anor i gi nal model –had,upt onow,hamper edt heunder s t andi ngoft he met al l ur gi c al s equenc esus edbymet al wor k er s .

Thr oughawi der angi ngc ol l abor at i onpr oj ec twi t hs c i ent i s t sf r om C2RMF , Pr éT ec h,Ar Sc AnandTRACESl abor at or i es ,t het eam f r om I PANEMAr ev eal eda hi ddenmi c r os t r uc t ur ebys hi ni ngl i ghti nt heUV/ v i s i bl er angeont heobj ec t ,gener at edbyac ont r as tofl umi nes c enc ei nduc edbyv ar i at i onsofc r y s t al l i nedef ec t s wi t hi nt hec or r odedamul et .Suc hghos tmi c r os t r uc t ur e,i nv i s i bl ewi t hot heradv anc edt ec hni ques ,r ev eal st hef ul l met al l ur gi c al s equenc ei nt hec r eat i onoft he amul etandi t sdegr adat i ondur i ngbur i al .

Loc at edont heSOLEI Ls y nc hr ot r ons i t eatUni v er s i t éPar i s Sac l ay ,I PANEMAi sa l abor at or ydedi c at edt or es ear c handdev el opmentofadv anc edmet hodol ogyof mat er i al s ’ c har ac t er i z at i oni nar c haeol ogy ,pal aeoenv i r onment s ,pal eont ol ogy andc ul t ur al her i t ager es ear c h. “ Sc i ent i s t shadr eac hedt hel i mi t sofwhatt heyc oul dl ear nf r om t heamul etwi t h t r adi t i onal i magi ngt ec hni quess i nc ei t sdi s c ov er yt hr eedec adesago.Wedes i gnedaf ul l f i el dphot ol umi nes c enc eappr oac ht ol ookatt heobj ec t ’ ss t r uc t ur e andc ompos i t i oni ngr eat erdet ai l , ”s ay saut horMat hi euThour y .

The‘ s pok edwheel ’ s hapeofs i xs mal l r odsonar i ngof20mm di amet erwas c onf i r medt obec as ti nas i ngl epi ec e,wi t houtanys ol der edpar t s ,and,s ur pr i s i ngl y ,met al wor k er sofMehr gar hus edv er ypur ec opper–i ndi c at i ngi nnov at i v e dev el opmenti nt omet al l ur gyatt het i me.Us i nghi ghpur i t yc opperwass oonr ej ec t edbyt hef ounder si nPak i s t anwhodi s c ov er edt hataddi ngl eadi nc r eas ed t hemet al f l ui di t y .

Ther es ear c hs hedsl i ghtont he i nv ent i onofhi ghpr ec i s i onf oundr y t hati ss t i l l us edt oday .Los t wax c as t i ngi sapr ec i s emet al f or mi ng t ec hni que–al s oc al l ed‘ i nv es t ment c as t i ng’ –i naer os pac e, aer onaut i c s ,andbi omedi c i ne,f or hi ghper f or manc eal l oy sf r om s t eel t ot i t ani um. “ Al t houghi thasnev erbeenus ed i nar c heol ogy ,t he phot ol umi nes c enc ei magi ng t ec hni quedev el opedher ehol ds gr eatpr omi s ef ort hi sf i el dand ot herdi s c i pl i nes ,i nc l udi ng env i r onment al s c i enc esandgeophy s i c s , ”s ayaut hor sMat hi euThour yandLoï c Ber t r and.

Thes ef i ndi ngswer ef i r s tpubl i s hedi nt hej our nal Nat ur eCommuni c at i ons .

Rel eas ef r om Bl ues k yPR

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Envi r onment alOppor t uni t i es

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DrJohnC Tayl orOBE Recei vesHonor aryDoct or at ef r om Dur ham Uni ver si t y Pr ol i f i ci nvent orandengi neerDrJohnCTayl orOBE,whosenamemay notbef ami l i art oal lbutwhosei nvent i onsar eusedbyt ensofmi l l i onsof peopl eacr osst hegl obeever yday ,hasbeenr ecogni sedbyt hehi ghl y pr est i gi ousDur ham Uni ver si t yf orhi scont r i but i onst osci enceandbusi ness.

“ TheUni t edKi ngdom i sknownar oundt hewor l df ori t si nnovat i onandI t hi nki t ’ si mpor t antt osuppor tt hei nnovat or soft hef ut ur e,whowi l lhel p t hecommuni t ybycr eat i ngj obs,moneyandoppor t uni t i esf orot her s. ”

Pr of essorSt uar tCor br i dge, Vi ceChancel l orofDur ham Uni ver si t y ,sai d,“ Dur ham DrTayl ormadehi snamecr eat i ngbi met alcomponent st hatar evi t alt o st udent sbenef i tf r om educat i on manyi t emsi nourcar sandhomeswecoul dn’ tl i vewi t hout . t hati schal l engi ng,di f f i cul t , i ng,r esear chl edand Ear l yel ect r i cket t l eswoul dnott ur nof fwhent hewat erwasboi l i ng,mean- enabl t r ansf or mat i ve,del i ver edi nan i ngt hatt heyneededconst antsuper vi si onandwer ei ndangerofmel t i ng r onmentofwor l dl eadi ng andst ar t i ngf i r esi ft heywer enotpr oper l yat t ended.DrTayl orcr eat edt he envi l dchangi ngr esear ch, sol ut i ont ot hi spr obl em:asmal l ,bi met al l i ct her most atwhi chwoul dbr eak andwor aswel lasenj oyi ngawi der t heket t l e’ sci r cui twhent hewat erst ar t edt oboi l . st udentexper i encet or i valt hebesti nt hewor l d.Thi shel psmakeour gr aduat esamongt hemostsoughtaf t eri nt hewor l d.

DrTayl orhast oday( Thur sdayJanuar y12)beenawar dedanhonor ar y doct or at e( DSci )byDur ham Uni ver si t y ,atwhi chhehasbeenaVi si t i ng Icongr at ul at eal lofourgr aduat esandwi sht hem ever ysuccessast hey Pr of essorofPhysi csf oranumberofyear s,l ect ur i ngont opi cssuchashi s “ kuponanewphasei nt hei rl i ves.Ourhonor ar ygr aduat esar egr eat f amousCor pusChr onophagecl ocki nCambr i dge,andt el l i ngani nvent or , embar nnovat or si nt hei rf i el dandIam sur eourst udent swi l ldr awi nspi r at i on engi neerandent r epr eneur ’ sst or yt ot hest udent st oent huset hem t oal so i f r om t hem. ” becr eat i ve.

DrTayl ornowhasover400pat ent st ohi sname,andhi sr et i r ementhas notsl owedhi m down.Hei soneoft heUK’ sl eadi ngexper t sonear l yEngl i shcl ocksandhi smostr ecenti nvent i onsr ef l ecthi sl oveofhor ol ogy .I n 2008t heCor pusChr onophagewasunvei l edi nanext er i orwal loft he orLi br ar yatCor pusCol l ege,Cambr i dge. “ Whatmakesi tpar t i cul ar l yspeci alf ormei st hatt hi si swher emysonNei l Tayl gr aduat edwi t haFi r sti nEngi neer i ngi n1991.

TheCor pusChr onophagei soneoft hef ewuni quecl ocksi nt hewor l dand t spat ent edmechani cswor kl i kenocl ockbef or ei t .I thasnowbecome “ I ’ ml ooki ngf or war dt ocont i nui ngt ol ect ur eatDur ham,i npar t i cul arof f er - i hemost vi si t edt our i stat t r act i oni nCambr i dge.Rel easef r om DrJohnC i ngt hesor tofpr act i caladvi cet hatcanhel pyoungengi neer sandi nven- t Tayl orOBE t or st ot ur nagoodi deai nt oavi abl ebusi ness.

Onr ecei vi ngt hehonor ar ydoct or at e,DrTayl orsai d,“ Bei ngawar dedan honor ar ydoct or at ei nsci encef r om suchadi st i ngui sheduni ver si t yas Dur ham i sasur pr i seandasour ceofgr eatpr i de.

Oppor t uni t yoft heWeek

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Chi l dFr i endl yVi l l asDi r ectLaunchesWi t hWor l d' sFi r st' Teddy Tr avel 'Servi ceToCombatHol i dayHeadaches •Onei nt hr eeBr i t sar eex pec t edt obookt hei rwi nt erget awayi nJ anuar yandFebr uar yt obeatwi nt er bl ues •Near l yhal fofUKhol i day mak er sc ons i der‘ t eddyt ant r ums ’ t obet henumberonec aus eofhol i day headac hes( 45%) •Sur pr i s i ngl y ,t eddi esr ank edhi ghert hant ec ht r oubl es ,wi t honl y40% c i t i ngt hi sasani s s ue Wi t honei nt hr eehol i day mak er ss ett obookt hei rs ummerget away si nJ anuar yandFebr uar y,anew f ami l yhol i daywebs i t ehasl aunc hedt oof f erpar ent saneas y‘ ones t ops hop’ f orc hoos i ngs omeoft he bes tf ami l yf r i endl yv i l l asac r os sEur opeandNor t hAf r i c a.

Launc hi ngi nJ anuar y2017,Chi l dFr i endl yVi l l asDi r ec t-( www. c hi l df r i endl y v i l l as di r ec t . c om)-i st hef i r s t webs i t et oputpar ent si nt ouc hdi r ec t l ywi t hawi der angeofi ndependentv i l l aagent sandmanager spr ov i di nggr eat eri nf or mat i on,wi t ht heul t i mat egoal ofpr ov i di ngt hemos tc os tef f ec t i v e,s t r es sf r ees ol ut i on t ot heper f ec tf ami l yhol i day .

Feat ur i ngmor et han100hands el ec t edv i l l asac r os sEur opeandNor t hAf r i c a,t hes i t ef eat ur eseas yt o us ev i s ual i c onst ohel ppar ent ss el ec tt hemos tappr opr i at ev i l l af ort hei rf ami l y ,r angi ngf r om baby f r i endl yf ac i l i t i est oat t r ac t i onsf ory oungt r av el l er s .Thebus i nes sai mst ohav eatl eas t300v i l l asl i s t edon t hes i t ebyt heendof2017.

Aspar tofi t sof f er i ng,t hec ompanyi sl aunc hi ngt heWor l d’ sFi r s t‘ T eddyTr av el Ser v i c e’ f orVI Bs( v er y i mpor t antbear s ) ,af t err es ear c hc onduc t edbyChi l dFr i endl yVi l l asr ev eal edl eav i ngac hi l d’ sc omf or t er athomei soneoft hemos ts t r es s f ul t hi ngspar ent senc ount eronat r i p.

Res ear c hof1, 000par ent sc ar r i edoutbyt hewebs i t eChi l dFr i endl yVi l l asDi r ec thasr ev eal edt hatdes pi t et he‘ i Padgener at i on’ ,f or get t i ngac hi l d’ sf av our i t et eddyorc omf or t eri st henumberonec aus eof hol i dayheadac hesf oral mos thal fofBr i t i s hf ami l i es( 45perc ent ) .Asar es ul t ,t hec ompanyi spr ov i di ng as er v i c et or et ur nanys pec i al f ur r yf r i endsl ef tatoneoft hev i l l asf r eeofc har ge.

Sur pr i s i ngl y ,t eddi esr ank edhi ghert hant hei rmoder nt ec hc ount er par t si nt hel i s toff ami l yhol i dayes s ent i al s ,wi t honl y40perc entofpar ent ss ay i ngf or get t i ngat abl etdev i c eormobi l ephonewoul dc aus e t hem ahol i dayheadac heandj us tf i v eperc ents ay i ngf or get t i ngaf av our i t eDVDwoul dc aus ef r i c t i on.

Sar ahDav i es ,whof oundedChi l dFr i endl yVi l l asDi r ec t ,s ai d:“ Wewantt opr ov i deanews er v i c ef orpar ent st ohel pt hem wi t ht hepr oc es soff i ndi ngandbook i ngt heper f ec tf ami l yv i l l a,mak i ngi taseas yas pos s i bl e.Thei deas t emmedf r om ourownpr obl emss ear c hi ngf oraf ami l yf r i endl yv i l l a–apr oc es swe f oundt i mec ons umi ngandf r us t r at i ng.Ones i z edoes n’ tf i tal l f orf ami l yhol i day sandmos ts i t esdon’ t pr ov i der eadyac c es st oi nf or mat i onr egar di ngc hi l df r i endl yopt i ons ,bur yf eat ur esi nt hef i nepr i ntor s i mpl yc onc ent r at eonhol i day i ngwi t hbabi es . "

Soci alCar e

" Webel i ev et hatc hi l df r i endl yhol i day ss houl dn’ tbedemot edt oj us taf i l t er ,buts houl dbeat r eas ur et r ov eof i nf or mat i on,f i l l edwi t hal l t hek nowl edgeandadv i c ey ouneedt obookaf ami l yf r i endl yv i l l awi t hc onf i denc e. “ Wi t hChi l dFr i endl yVi l l asDi r ec twewant edt oc r eat eaus er f r i endl ypl ac ewher ebus ypar ent sc anqui c k l y di s c ov ert hei rper f ec tf ami l yv i l l ahol i day ,l i nk i ngt hem di r ec t l ywi t hi ndependentv i l l aagent sandmanager s t oac c es st hemos tc os tef f ec t i v edeal sav ai l abl e. " Thr oughoutt hes i t ef ami l i esc andet er mi newhi c hc hi l df r i endl yf eat ur esar ei mpor t antt ot hem andc hoos ea v i l l at os ui tt hei ri ndi v i dual needs ,aswel l asbenef i t t i ngf r om l oc al k nowl edgeandadv i c ef r om v i l l aagent s andmanager st hems el v es .

Sar ahDav i eshadt hei deaf ort hebus i nes swhi l eonmat er ni t yl eav ef r om herj obasas ol i c i t or .Af t erpl anni ngaf ami l yv i l l ahol i dayi nSpai nands t r uggl i ngt of i ndt hei nf or mat i ont heyneeded,t heyar r i v edt of i ndi t wasnots ui t abl ef oray oungf ami l y .

Oneoft hef i r s tv i l l agr oupst owor kwi t hSar ahwas Fawak ayVi l l asi nMar r ak ec h.Thec ompanywass etup i n2005byDawnBoy s St ones ,who,l i k eSar ah,gav e upherj obt os t ar tanewc ommer c i al v ent ur eandnow r unst hec ompl exoft hr eel ar ge,s andc ol our edv i l l asi n 3.

5ac r esofgar den,per f ec tf orf ami l yhol i day s .

Dawns ai d:“ Af t er25y ear sofs t oc k br ok i ngi nLondon, myhus bandandIhadar us hofbl oodt ot heheadand dec i dedt her eandt hent hatwe’ dl eav et hatl i f ebehi nd.

Webr oughtourf ourc hi l dr ent oMar r ak ec handc r eat ed anewl i f eher et hatmeantwec oul dbemor eofa f ami l y . “ I t ’ sf ort hats amer eas ont hatwe’ r ehappyt opar t ner wi t hSar ahandl i s tourv i l l ast hr oughhers er v i c e.Her et hosi s‘ f r om onef ami l yt oanot her ’ ,andt hat ’ showwe s eeourbus i nes st oo. ” T of i ndoutmor eaboutt hev i l l asl i s t edont hes i t egot o www. c hi l df r i endl y v i l l as di r ec t . c om Rel eas ef r om Ac c el er i sMar k et i ngCommuni c at i ons

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Soci alCar e

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Thi r dSect or

I sThi st heEndoft heBuyToLetPr oper t yDr eam?

I nt hel at es ts queez eonbuy t ol eti nv es t or s ,anumberoff or ec as t er shav eannounc edt hatt heyar eex pec t i ngs l owergr owt h( andi ns omec as esnegat i v e gr owt h)f orhous epr i c esi n2017.I nDec ember ,Nat i onwi deannounc edt hatav er agepr i c eshadgr ownby4.

5% y ear ony ear ,butes t i mat esf r om anumberof s our c ess howt hatex pec t at i onsf or2017ar enots opos i t i v e.

“ I nSc ot l and,l et t i ngagent shav ebeenbannedf r om c har gi ngf eest ot enant ss i nc e Nov ember2012,andr es ear c hf r om hous i ngc har i t yShel t erhass hownt hatt heban hadanegl i gi bl eef f ec tonr ent s .Thi ss ugges t st hatt hel et t i ngagenc i es ’ c os t sar e bei ngabs or bedbyt hel andl or d,eat i ngi nt ot hemodes tpr of i tmar gi noft hebuy t ol et i nv es t or .

Nat i onwi deex pec t shous epr i c est or i s eby2% i n2017,c ompar edt ot heRoy al I ns t i t ut eofChar t er edSur v ey or s ,whi c hex pec t sagr owt hof3%.Thegov er nment ’ sr ec entannounc ementof14newgar denv i l l agesandt hr eegar dent owns , t ot al l i ngupt o48, 000newhomes ,wi l l al s ohav eanef f ec tongr owt hi nhous e pr i c esi nt henearf ut ur e.

“ Thec hangei nl egi s l at i ons houl d,howev er ,dr i v edownl et t i ngagent s ’ f eesbyi nc r eas i ngc ompet i t i on,aspr oper t yowner shav et hepower–andnowt hemot i v at i on –t oc hoos el et t i ngagent swi t hl owf ees . ”

Af t ery ear sofabur geoni ngbuy t ol etmar k eti nt heUK,2016s awt hegov er nmentt ak eac t i ont oc ont r ol demandf ors ec ondhous esi nt heUK,i nt hehopeof i nc r eas i ngt heav ai l abi l i t yofpr oper t i est of i r s t t i mehomebuy er s .

Fi r s t l y ,i nApr i l ,t hegov er nmentannounc edt hatt axr el i efons ec ondhomes woul dber educ edf r om 40% t o20% f orhi gher r at et ax pay er s ,i nabi dt or educ e t hei nc ent i v esonpr oper t yi nv es t ment .Si nc eApr i l ,t her ehasal s obeenas t amp dut ys ur c har geof3% addedt ot axonaddi t i onal pr oper t i eswi t hav al ueofov er £40, 000.Thi smeanst hatas ec ondhomev al uedat£275, 000,whi c hwoul dhav e i nc ur r edas t andar ds t ampdut yof£3, 750i fboughtl as ty ear ,wi l l nowc os tan ex t r a£8, 250duet ot hebuy t ol ets ur c har ge:at ot al of£12, 000i ns t ampdut y .

I nNov ember ,Chanc el l orPhi l i pHammondannounc edt hegov er nment ’ sl at es t pl ant oc ur bt heUK’ sbuy t ol etmar k et :ar es t r i c t i onont hes i z eofamor t gage t hatpeopl ec angetf oras ec ondhome.I nv es t or swi l l nowhav et opr ov et hat t heyc anmak eapr of i tof25% f r om t hei rr ent al i nc ome,ev eni fi nt er es tr at er i s es i nc r eas et hei rmor t gagepay ment s .

TheUK200Gr oupi st heUK’ sl ar ges tmember s hi pas s oc i at i onofi ndependent c har t er edac c ount anc yandl awf i r ms .St ev eVi c k er si st heT axPar t nerat UK200Gr oupmemberac c ount anc yf i r m Har tShaw,bas edi nShef f i el d.Hes ai d, “ Las ty ears awmaj orc hangesf orbuy t ol eti nv es t or st hr oughoutt heUK,t he mai nonebei ngt hec hanget ot axr el i efwher ebyi fy ouar eahi gher r at et ax pay er ,y ouc anonl yobt ai n20% t axr el i efony ouri nt er es tonabuy t ol etmor t gage, wher ey ouc oul dpr ev i ous l yc l ai m 40% agai ns ty ourpr of i t s . “ Wehav et obec ar ef ul bec aus es ome t ax pay er s ,dependi ngont hei rot her i nc ome,mayf i ndt hatt heydon’ tgetany t axr el i efwhat s oev er . “ Themor ec y ni c al amongs tuswoul ds ay t hatt hi si spur el yar ev enuer ai s i ng ex er c i s e,butt hemor el ev el headedwoul d s ayt hati t ’ sanat t emptt oc ur bdemandi n abuoy antbuy t ol etmar k et ,whi c h,t obe f ai r ,woul d,atl eas ti nt heor y ,hel pf i r s tt i me buy er s . “ AtHar tShawwehav ec l i ent swhohav e al r eadydi v es t edt hems el v esofs omeof t hei rr es i dent i al pr oper t ypor t f ol i ot opay downmor t gagesons omeoft hei r r emai ni ngpr oper t i ess oast omi t i gat et heef f ec t soft hec hanges . “ I nt ur n,t hi swi l l i nc r eas es uppl y ,whi c h,pr es umabl y ,t hegov er nmenthopeswi l l hel pt oc ur bpr i c er i s es . “ Ot her shav ec ons i der edi nc or por at i ngi nt oal i mi t edc ompany .Butt hi sr out e needsc ar ef ul pl anni ngduet opot ent i al t axt r apsc aus edbyt het r ans f ert ot he newc ompany . ” I nhi sAut umnSt at ement ,Chanc el l orPhi l i pHammondannounc edt hatl et t i ng agent swoul dnol ongerbeabl et oc har gel et t i ngf eest ot enant si nEngl and, whi c hi nmos tc as eswi l l meant hatt hec os t sar epas s edont ot hel andl or d.

J ohnPai nt er ,Chai roft heUK200Gr oup’ sPr oper t yandCons t r uc t i onI ndus t r y Gr oupandManagi ngPar t nerofWor c es t er bas edCBChar t er edAc c ount ant s , s ai d,“ Thet r ans f er r al ofl et t i ngagent s ’ f eesf r om t enant st ol andl or dsmays eem s i mpl e;i ns t eadofl et t i ngt het enantdeal wi t ht hos ec os t s ,t hel andl or dwi l l now payt heupf r ontf eeandr ai s et her entt oc ov ert hec os t .

Sowhatc ani nv es t or sdot omi ni mi s et heef f ec tofal l oft hec hangesannounc edi n 2017?J ohnPai nt erc ont i nues ,“ I nv es t or swhoar ei ndi v i dual sc oul dc ons i deri nc or por at i ngt hei rpr oper t yi nv es t mentpor t f ol i ot or educ et heef f ec tofs omeoft he c hanges .Howev ert hi si sal s of r aughtwi t hhi ddenc os t s ,s uc hasSt ampDut yLand T ax ,andmaynotal way sbeappr opr i at e. ” Ti mes c al esf orr egul at i onandt axc hangesaf f ec t i ngbuy t ol etl ender s : •Reduc t i oni nt axr el i eff r om 40% t o20% f orbuy t ol eti nv es t or si nhi gher r at et ax br ac k et :Al r eadyi npl ac e •Addi t i onal s t ampdut ys ur c har geof3% f ors ec ondhomes :Al r eadyi npl ac e •I nc r eas ei nr egul at i ononmor t gagesf orbuy t ol eti nv es t or s :Camei nt oac t i on1 J anuar y2017 •Banonl et t i ngagent sc har gi ngf eest ot enant s :Yett obeannounc ed TheUK200Gr oup,es t abl i s hedi n1986,r epr es ent sas i gni f i c antgr oupoft r us t ed, qual i t y as s ur edbus i nes sadv i s er s–c har t er edac c ount ant sandl awy er s–whohav e ov er150, 000SMEc l i ent si nt ot al .Ass uc h,t heUK200Gr oupac t sast hev oi c ef or 1, 899c har i t i es ,ov er12% ofal l r egi s t er edac ademi es ,mor et han3, 887f ar ms ,800 heal t hc ar ebus i nes s esandov er4, 000pr oper t yandc ons t r uc t i onpr of es s i onal s .

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