Why it pays to use your 2022/23 ISA Allowance right not Edward John Trelawney...........13/14 What’s On. ...............................15/17

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Tuition without Competion WHY IT PAYS TO USE YOUR 2022/23 ISA ALLOWANCE RIGHT NOW

The 2022/23 tax year has only just started, but you should already start thinking about how you’ll use your allowances over the next 12 months. It can help maximise your assets.

In the 2022/23 tax year you can deposit up to £20,000 into ISAs. If you don’t use this allowance before the end of the tax year, you lose it. You can save or invest tax-efficiently through an ISA, so making full use of your allowance can help your money go further. If you left using your 2021/22 ISA allowance until the deadline was near, don’t let your ISA slip your mind now.

Drip-feeding your deposits can make your ISA goal part of your budget:

If you want to maximise your ISA allowance or have a goal for how much you want to put in, making regular deposits a part of your budget can help. Depositing £1,666 into your ISA each month can be more manageable than adding a lump sum at the end of the tax year. If you don’t have a lump sum to add to your ISA, breaking down your end goal can make sense. In addition to making deposits more manageable, drip-feeding your money can be useful if you’ll be investing through an ISA. Investment markets will rise and fall throughout the year. So, by spreading out deposits, you’ll be buying at different points throughout the market cycle. It’s an approach that can remove the temptation to try and time the markets.

Depositing a lump sum now means you have longer to earn interest or returns

If you already have a lump sum available to deposit, doing so now means you could have an extra 12 months of interest or returns than you would if you waited until April 2023. If you’ll be saving through a Cash ISA, the extra interest added to your account over the year can really add up. Adding a lump sum if you’ll be using a Stocks and Shares ISA to invest means you can potentially benefit from an additional 12 months of investment returns. The graph below shows how investing £5,000 each tax year delivers different returns if you invested on the first working day of the tax year compared to the last working day.

£200,000

£150,000

£100,000

£50,000

£0

2000 2002 2004 2006 2008 2010 2012 2014 2016 2018 2020 Source: Hargreaves Lansdown First day Last day While both options have done well and returned over 99% growth, you would be better off by investing at the start of the tax year overall. However, you should keep in mind that investment performance cannot be guaranteed. Please contact us on 01273 774855 or email advice@pembrokefs.co.uk to discuss your financial plan and the steps you should be taking in the 2022/23 tax year. Please quote reference PFSIS.

The value of your investment can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.

T. 01273 774855 E. advice@pembrokefs.co.uk W. www.pembrokefinancial.co.uk

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Edward John Trelawny

Trelawny’s date of birth and birthplace are unknown but his baptism was recorded to have taken place in Marylebone, London on the 29th of November 1792.

His parents were Lieutenant-Colonel Charles Trelawny-Brereton and Maria Hawkins. Edward was added to John Trelawny’s name during his cruel boarding school years, as his father often boasted that the family heritage could be traced back to serving Edward the Confessor. Attending boarding school from the age of eight Trelawny was often punished for his atrocious spelling and poor academic work, as his dyslexia was never recognised. In 1804, at twelve years of age he looked forward to a life at sea, as it was the custom of the gentry to enlist their youngest sons in the navy. At the age of thirteen he became a first class volunteer on board HMS Superb then transferred to HMS Temeraire, then HMS Colossus before going on to study at the naval school in Plymouth. In 1806 he was posted to HMS Woolwich, a ship that voyaged to the Cape of Good Hope and also to St. Helena. In 1809 he served on board HMS Cornelia during its deployment to India to curb the Napoleonic French navy’s attacks on trade in the Indian Ocean. The raids and piracy were having a damaging effect on the British Empire and the decision was taken to invade and occupy the Isle de France. On the 29th of November 1810 HMS Cornelia was part of the invasion force that captured the island and the British renamed it Mauritius. In 1811 Trelawny was serving on the captured French frigate Président renamed HMS President when it took part in an amphibious operation that captured the island of Java from the French. In 1812 at nineteen years old Trelawny, who was described as a mutinous sailor and frequently disciplined, left the navy without achieving an officer’s commission. At most he had obtained the rank of acting midshipman on a captured French ship. After leaving the navy despite never having obtained the rank he decided to call himself Lieutenant Trelawny. In 1820 while living in Switzerland he reinvented himself again as Captain Trelawny, royal navy retired, as his allowance was equivalent to a captain’s pay of £300 per year. Trelawny had discovered a book by Percy Bysshe Shelley and was already a reader of Lord Bryon’s work, when he met Edward Ellerker Williams and Thomas Medwin who were friends of both the romantic poets. Trelawny, despite being of lesser wealth and poorer education, was invited to join Percy and Mary Shelley and Lord Bryon at Pisa in Italy. Trelawny became a companion to Mary Shelley when Percy tired of the endless society partying. Trelawny’s tales of swashbuckling adventures entertained Lord Bryon. In one of his stories he claimed to have deserted from the Royal Navy at India to become a pirate, fighting many a duel for his love of a girl named Zella. Bryon employed Trelawny to captain his own ship the Bolivar until it was sold to pay off Bryon’s debts. Upon the death of Percy Shelley, it was Trelawny who arranged the funeral, set his affairs in order and financed his widow Mary’s return to England. They remained friends. Trelawny joined Lord Bryon, travelling to Greece to join the rebellion against the Turkish rule of the Ottoman Empire and to fight for Greek independence. Trelawny became leader of a band of rebels while Bryon rented a house there and died of fever in 1824. Trelawny put the affairs of his friend in order then continued to fight in the wellpublicised rebellion. He was able to raise money to buy and smuggle guns with the aid of two British secret agents who when bribed by a Greek warlord shot him in an assassination attempt.

Edward John Trelawny

Trelawny returned to England and despite his dyslexia wrote a fictional account of his life, Adventures of a Younger Son. His landlord, Charles Armitage Brown and Mary Shelley edited the book. It was published anonymously in 1831 to great acclaim and London society clamoured to know whom the author was. Trelawny became the darling of London society and many a biographer mistook the story of Trelawny’s piracy for fact. By then it had become hard to discern what was real and what was a dinner party tale. Trelawny was considered to be the preeminent expert on Percy Shelley and Lord Bryon and in 1858 he published Recollections of the Last Days of Shelley and Byron. In 1878 he published the two volume Records of Shelley and Byron. Having travelled the world, Trelawny settled in Sompting with his family and painted his cottage red, which to the village made him an eccentric character with an adventure story to tell. His body was an unexplained jigsaw puzzle of scars from knife and gunshot wounds. He was seen riding his pony and trap to Shoreham beach for a regular seaside swim. He died aged eighty-eight in 1881,but as pre-arranged in 1822, his ashes were buried in Rome next to Percy Shelley’s grave. Trelawny’s grave marker bears a quote from Shelley’s poem “Epitaph”.

Judy Upton Sources:Goulburn Herald Saturday 29 October 1881 Wikipedia Nuvo Magazine

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What’s On - Local Groups

Sequence Dancing

Sequence dancing Wednesday afternoons 1.45 - 4.15 pm at Quayside, Upper Kingston Lane, Southwick, BN42 4RE. For more info ring Clive on 01273 410438

Retirees Golf Society

Have you just retired, over 60 and and would like to play. Golf with like-minded people who don’t want to pay the expensive annual subscriptions and joining fees. Why not join my local retirees golf society? My name is Rob, I enjoy golf and live in Shoreham. Looking for people to join who want to play for fun. If our golf improves too, then that’s a bonus.The Society started in May. We play every Monday morning, each month we play nine holes course or two eighteen holes courses, all venues well be within half an hours drive from Shoreham, currently we have in excess of twenty members but there is always room for more. Ladies are welcome. Should you be interested you can contact me at: marsh-robert@sky.com

St Nicolas’ Services

Our services are as follows : Sundays 8.30 and 10 am and Wednesdays 9.30 am - all for Holy Communion.

Table Tennis for the Over 50s

St Giles Church Hall, Upper Shoreham Rd Shoreham. Thursdays 2.30-4.30 with refreshments. Beginners welcome a very friendly group. £4 session paid monthly. Numbers are limited MUST BOOK through Pat on 07856 285078.

The Shoreham Chess Club

The Club started during Lockdown 2020 and has recently moved to Address: Sussex Yacht Club; 85/89 Brighton Rd, Shoreham-by-Sea, BN43 6RF Hours: Wednesday: 7:30PM–10:00PM So- every Wednesday we play friendly games and try to get a little better. The level ranges from people who recently learned the rules to county standard. We are looking for more members so please visit our website to findout how to contact us and learn more. https://shorehamchessclub.com.

nicolaharmanyoga.co.uk

Tuesday yoga 6pm Shoreham Centre Wednesday yoga online zoom 7:15pm Saturday yoga online zoom 10am All classes are 1 hour https://www.nicolaharmanyoga.co.uk 07844070448

Southwick Trefoil

Welcomes new members. We meet on the second Monday of the month 19.15 - 21.15 at Southwick Community Centre. Have you ever noticed how much fun youth groups like Rainbows, Brownies & Guides have. Do you want to challenge yourself in the same way to learn new skills, enjoy fun activities, visit places of interest & explore outdoors. Would you like to meet other adults socially & have fun? Trefoil is for adults aged 18 & over who believe in supporting Guiding & Scouting & their local community. Trefoil members are adults who enjoy life, make friends, support others & value making time to do something for themselves. Everyone decides on a programme together that provides the fun & friendship that gives Trefoil its central ethos. You may be the parent of a Brownie, someone who was a Guide or Scout years ago or someone who has never heard of us before. Everyone can join today. We’re looking forward to welcoming you & sharing the fun that is Trefoil. For further information please contact Margaret 01273 966534 or Mary 01273 594753

Southwick Trefoil:Girl Guiding for Adults

Girl Guiding for adults. New members always welcome & open to anyone over 18 years. No previous membership of Girl Guiding necessary. Meetings held on 2nd Monday of the month 19.15 - 21.15, usually at Southwick Community Centre. For further details please contact Margaret 01273 966534 or Mary 01273 594753

Shoreham Book Club.

We meet once a month. The last Tuesday of each Month at the Crabtree Pub at 7.30 in the snug Please email ShorehamBySeaBookClub@ gmail.com for more information.

Southwick Lace Club

Southwick Lace Class meets at the Southwick Community Centre on Tuesdays from 09.45 to 11.45 in term time. We welcome beginners to lacemaking as well as those with experience. For more information please contact the Tutor, Rosemary Brown, on 07900 191443 or rjbrownsw@virginmedia.com

What’s On - Local Groups

Southwick Bowls Club

Southwick Recreation Ground. The new outdoor bowls season commences on Monday 18th April. We welcome new and experienced bowlers to come along and take a look at our bowls club. Every Monday and Friday at 1.30pm we invite new bowlers to try out and will provide bowls, tuition, help and encouragement to get you started. For more information:- Website: southwickbowlsclub.com or phone John Southwick Bowls Club 07973149534

UKESALOUD Ukulele lessons

Ukulele Courses for Adults Saturday mornings in the Function Room at the Ferry Rigg, Shoreham by Sea Please call or text: 07931 372694 or email: theresavcarey@hotmail.com for booking details. All social distancing measures in place.

Shoreham Society AGM

7.00pm, Friday 21st May 2022, Room 3, Shoreham Centre (Free) This is an exciting period for the Shoreham Society and Shoreham in general. Join us and find out what we have been doing over the last year and what we plan for the future. Full details at www.shorehamsociety.org.uk/events

St Nicholas Church

Old Shoreham.A warm welcome to anyone who would like to join us for Holy Communication on Sundays at 8.30am and 10.00am and Wednesday at 9.30am or Sung evensong on 1st Sunday of every month at 6pm. Why not come and try our popular monthly Coffee and Cakes on a Saturday morning - eat in or take away cakes! Normally 3rd Saturday of the month but full details of dates on our Facebook page.”

Samuel Courtauld and His Collection by Natalia Murray: Monday 9th May 2022

One of the finest collections of Impressionism anywhere in the world was assembled by the English industrialist and philanthropist Samuel Courtauld (1876-1947) who established The Courtauld Institute and Gallery in London. This lecture will explore Courtauld’s collection and his role in promoting Impressionism in the United Kingdom. The Steyning Centre, Fletchers Croft, BN44 3XZ 10:00am - 12:00. Free to members, £10 donation for visitors. steyning@theartssociety.org www.theartssocietysteyning.org.uk

Southwick and Fishersgate Horticultural Society

Meetings are held on the 1st Tuesday of the month at Southwick Community Centre from 2-4pm. No meetings in January and August. Annual membership is £5 single or £8 per couple. Afternoon meeting entry is £5. New members & visitors always welcome. For further information please contact Julie 01273 596707

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