Monthly Archives: May 2021

News

Top tips for a healthy return to the office

As employees return to the office what are employers’ health and safety obligations? With an estimated 11 million Brits (source: BUPA) suffering increased back problems as a result of working from home, how can employers ensure the office is safe? Amanda Harris MCSP, expert Physiotherapist and Founder of The Physio Company (www.thephysiocompany.co.uk) provides her top tips:

  1. Ensure all employees are using fully adjustable chairs. If your employees are working partly from home, you will need to supply appropriate chairs for the office and home.
  2. Supply rucksacks. Will your employees be carrying laptops to and from the office and meetings? If so, it’s worth supplying rucksacks so that the weight is evenly distributed; laptops flung into handbags can cause serious neck injuries.
  3. Make sure that IT equipment can be used safely. Laptops are not designed for full time work. If you are expecting employees to use them, you have to supply stands and separate keyboards so that the screen can be brought up to the correct height (the top of the screen should be level with the user’s eyes. The keyboard should be level with their elbows).
  4. Train staff to adjust their workstation before use. Hot desking is no longer as popular as it was due to the pandemic. However, if you do intend to return to it, or introduce it, all employees have to be trained in how to adjust the workstation, including the chair, to suit them. They will also need to be instructed to clean the workstation after use to prevent infection.
  5. Make social distancing easy to achieve. You may find you will need to leave some empty desks or, if that’s not possible due to space, install screens between desks to protect staff. Hand sanitiser should be readily available and face masks should be worn in communal areas.

As an employer you have a legal obligation to supply a safe working environment. A key part of that is the workstation set up, whether employees are at home or in your office. All employees should be given desk tests (which can be conducted remotely) to assess the workstation and make any necessary adjustment. I would also recommend hiring a Health and Safety professional as it is easy for key issues to be overlooked, which can put the employer at risk of prosecution.

Please visit: www.thephysiocompany.co.uk

 

News

The Future Of Property Investment – What are the opportunities?

There was a time when being a landlord was a sure-fire way to make a good return on your money. But the times they are a-changing, thanks to taxation and regulatory reforms over the past five years that have seen a significant number of portfolios become unprofitable and forced thousands of landlords to leave the market altogether.

 

A raft of permitted development rights that allow non-residential buildings to be converted into residential homes without the need for planning permission have been created with a view to converting the ever-increasing number of brownfield sites that are well-suited to redevelopment as housing instead of building on our highly prized green belt. And there lies opportunity.

 

But surely major homebuilders have got this market sewn up?

 

No, they haven’t.

 

The significant majority of brownfield opportunities sit way below the scale necessary to interest the big boys. The government has recognised this and is instead targeting small-scale developers, many of whom will be undertaking development projects for the first time.

 

The repository of buildings that are ripe for residential conversion has been increasing of late – look at the number of redundant stores in the wake of the recent collapse of Arcadia, Debenhams, et al. As our shopping habits have changed, so many High Streets have become ghettos. As these primary brands depart our town centres, the secondary retail around them is also affected. There is likely more to follow; when the furlough scheme ends, we will see a significant number of businesses collapse, and their properties, whether retail, commercial or industrial, will become vacant. One struggles to envisage there will be a glut of buyers waiting to snap them up.

 

Where does this leave the humble landlord? Surely property development is more complex than snapping up a couple of buy-to-lets? Interestingly, the strategies and skills that a new small-scale developer might need are very similar skills to those of a landlord, senior manager, or business owner. There has to be an overarching understanding of what’s involved in development, but most of the heavy lifting and technical issues are delegated to the professional team.

 

But don’t property developers need to have a small fortune in the bank to develop their projects? The answer in most cases is ‘no’. Whereas landlords typically fund their buy-to-let deposits personally, developers often secure a significant part of their deposits from private investors. The remainder of the asset capital and the development funding is obtained from a single commercial lender.

 

One major advantage of development over buy-to-let investment is the speed with which capital is created. You can expect a small-scale development project that would typically return a six-figure profit to be completed within 12 to 24 months. For a buy to let investment, the pay-back period is usually a lot longer.

 

Imagine you have £50k to invest in property, and that the multiverse is a thing. In one world, you use your £50k as a deposit on a £200k three-bed semi, which you then rent out. You clear around £300 per month in profit, but it will be several years before your equity growth enables you to remortgage and raise a deposit for buy-to-let number two.

 

Meanwhile, on another world, you use your £50k as the deposit on a small development project, a retail building that can be converted into flats using permitted development rights. You obtain the remainder of the financing you need through a commercial lender, and you expect to receive a profit of £150k within 18-24 months. You can also make up any deposit shortfall by tapping into private investment.

 

And while world-one-you is still waiting for equity growth (and occasionally dealing with broken boilers), world-two-you has made enough profit in 18 months to buy three of world-one-you’s buy-to-let houses AND has £50k left over to start a second development project.

 

Project things forward and, given that it’s possible to run multiple development projects at once, you can see how world two’s portfolio growth could be stratospheric compared to world one’s.

 

In our world, the hybrid landlord-developer role is starting to become popular, as existing landlords discover that small-scale development is well within their capabilities.

 

Please visit: https://propertyceo.co.uk/

News

Flomatik bolsters leadership team with announcement of new CEO and company growth plans

Market-leading Network Services Provider Flomatik has appointed experienced leader Dean Checkley as its CEO, as the company focuses on business growth and recruiting top telecoms talent.

Having begun in the telecoms industry at the age of 16 as an apprentice at GEC Telecommunications in Coventry, Dean brings 45 years’ experience to the helm of Hampshire-headquartered Flomatik – a firm where he previously served as its chief delivery officer.

Formerly an interim managing director for Rural Optic – part of Airband Community Internet – as well as The Law Society’s head of shared services and IT operations, and a director of service and operations with Virgin Media Business WiFi, Dean possesses a strong background in senior management across both public and private sectors.

Despite Covid-19, Flomatik hit its 2020 targets and has recently won major projects with Virgin Media and the ISP Alternative Network Providers sector. Forecasting to have 540,000 homes designed by the end of 2021, the team also has ambitions to continue its year-on-year Altnet productivity growth by 10%.

With a focus on growth throughout the year, Dean and Flomatik’s senior leadership team – the Executive Steering Group (ESG) – are working with colleagues and customers to ensure the business successfully invests in its people, systems, culture and clients.

That includes recruiting for a new chief delivery officer, and sales and marketing director, as well as investing to further enhance its tailored network services for telecoms clients which include Virgin Media, CityFibre Holdings, toob, Swish, WightFibre and FibreNation, to name a few.

Speaking about his new role, Dean said: “The minute I joined Flomatik, I fell in love with the business. The tenacity, resilience and commitment to the customer I saw in our colleagues was phenomenal – I was invested in the company from day one.

“It’s important we’re seen as an organisation that’s transparent and delivers on our promises. The ESG will play a pivotal role in ensuring that we continue to work hard behind the scenes to develop our people, systems and culture.”

Referring to the 2021 challenges for the telecoms industry, Dean added: “There’s no doubt every industry has experienced a difficult time throughout the pandemic, but it’s also paved the way for some really exciting developments to come to the fore.

“Our sector continues to play a pivotal role in the ongoing recovery and doing everything we can to keep the nation connected will be key to moving beyond the crisis.”

Commenting on the team’s new CEO, chairman Kevin Barrie added: “Dean is a collaborative leader who brings a wealth of experience to the boardroom, our customers and workforce as a whole.

“His strategic focus and ability to build sustainable business relationships means Flomatik can continue to build into a more forward-thinking, transparent company that’s bursting with leaders and telecoms specialists.”

News

Anthesis Supports Tesco to Offer Sustainability-linked Finance to Suppliers

Anthesis, the sustainability activator, is proud to have supported Tesco to launch its sustainability-linked supply chain finance programme. Launching later this year, the initiative offers suppliers access to tiered financing rates linked to sustainability performance, provided by Santander. Suppliers will be assessed based on the disclosure of greenhouse gas emissions, setting reduction targets, and delivering on goals.

In line with Tesco’s science-based climate targets and goal to achieve net zero in the UK by 2035, the supply chain finance programme encourages suppliers to work with Tesco to address the most urgent environmental issue, climate change.

Anthesis has supported Tesco to design the methodology that determines how suppliers’ sustainability credentials are assessed. In addition, the team will assist with collecting and reviewing supplier data, as well as supporting Tesco with the continued evolution of the initiative over time – in line with the retailer’s sustainability goals.

Anthesis has been working with Tesco since 2014 to advance its supply chain sustainability agenda. This has included developing and delivering the Tesco Supplier Network, Tesco’s online supplier collaboration platform, which gives over 10,000 suppliers and producers access to guidance materials to improve sustainability.

Ashwin Prasad, Tesco’s Chief Product Officer, said:

“In this critical year for climate action, we’re delighted to be able to offer thousands of suppliers access to market-leading supply chain finance linked to sustainability. This programme not only provides suppliers with a real incentive to set science-based emissions reduction targets, it will help embed sustainability goals throughout our supply chain and support the UK in realising its climate change targets.”

Chris Morris, Principal Consultant at Anthesis, added:

“This project highlights the value and importance of working with and incentivising the supply change to address the biggest sustainability challenges of our time. The project opens an exciting opportunity for suppliers to realise how sustainability can drive value in their business and for other organisations to learn from this industry leading initiative.”

News

78% of comms leaders say protecting their brand’s reputation is unmanageable

Survey finds threats such as activism, fake news and cancel culture have transformed the reputational risk landscape in the last five years

 New research has found that brand protection is an impossible job for more than three-quarters (78%) of comms leaders due to the increasing number of reputational threats they have to battle, including internal threats from current employees.

The survey of comms leaders at major UK companies, commissioned by crisis simulation platform provider Conducttr, found that employee activism is perceived as the second biggest threat to their organisation’s brand reputation, after cyber attack. In fact, half (50%) of all professionals in the sector say that one of their biggest fears regarding reputation is the potential for an employee to devalue it. These fears are not unfounded, with almost two-thirds (65%) of professionals having to deal with a crisis driven by employee activism previously.

Outsider threats have additionally compounded these fears, with almost all (93%) of comms leaders agreeing that consumers are savvier about the power they wield over brands, revealing that employees and the general public are now more aware of the influence they can have on a brand’s reputation and are subsequently holding them to account on perceived missteps.

Despite cancel culture existing as a newer reputational threat, more than half (52%) admitted having to deal with a crisis around this growing trend, while the emergence of fake news and disinformation via online platforms is facilitating further threat opportunities, with almost a third of comms professionals (31%) regarding them as a challenge.

New avenues for attacks on business reputation are proving to be a barrier to addressing new threats, with 43% noting difficulties managing deep fakes and social media. Additionally, 33% report a lack of understanding of newer threats, impacting on their inability to respond to risks quickly and effectively.

The combination of these factors is having a significant impact on the working lives of comms professionals. Respondents were almost unanimous (95%) in acknowledging that consumer empowerment and activism on social media meant that more time was being spent on managing brand reputation, while 71% said that the pressure and stress on their job role had increased.

Robert Pratten, Founder and CEO of Conducttr, commented, “For comms professionals, there is an urgent need to increase experience of managing these new threats to build confidence and reduce stress. This is best done in a safe, simulated environment that can reproduce these “next generation” reputational threats and their consequences in a realistic way. Far better to do this in a simulation than experience it for the first time in real life.”

News

Laundry specialist boosts business with dairy farm focus

A Cornish business boosted turnover by £75,000 in just a month – by adding ONE extra page on its website.

Redruth-based commercial laundry specialist Brewer & Bunney wanted to reach out to more dairy farms, as they help make the milking process more sustainable and profitable.

And online web design and marketing company GWS Media updated the site so their niche services could be found more easily.

Brewer & Bunney business development manager Dan Lloyd said: “We know who our customers are – and this targeted approach means they can find us more easily.

“We can trace half of new business leads to our online presence, which has been created by the team at GWS Media.”

Preventing potentially fatal infection

Brewer & Bunney, which provides quicker and more cost-effective alternatives to traditional thermal systems, has decades of experience working with farms across the region.

The team provides machines for washing everything from teat cloths to sheep fleeces – which run at quicker cycles and at lower temperatures, saving energy and money.

And their engineers work with clients to remove causes of mastitis, which is a potentially fatal mammary gland infection in cows.

Online presence

Dan said: “There is a real market for industrial washing machines in the dairy farm industry – with hundreds of reusable microfibre cloths to wash daily.

“But few were aware of our products or the savings they could make – not to mention challenging the throw-away culture.”

“We recognised this was something we needed to change. We told GWS Media what results we were looking for and they made it happen.”

Army veteran Dan, who has also worked in PPE for construction work and in confidential waste disposal, met GWS Media financial director Richard Graves while networking 16 years ago.

He said: “I trust the team implicitly. They understand our business vision and find ways to achieve it, without any fuss. They also let me know when they think something will not work.”

Brewer & Bunney had previously spent money trying to drive web traffic, with little success.

Dan said: “We were spending a fortune, but the site was not mobile-friendly, included dead links and did not bring in enquiries.

“A website should not just be a box-ticking exercise, but something which brings in business.”

Visibility

GWS Media, based in  Bristol, overhauled the whole website – from design, to hosting, to keyword targeting to make it more visible for relevant searches.

Dan said: “The team at GWS Media are easy to deal with and come up with ideas to reduce cost and generate income, such as adding a resources page to allow brochures to be downloaded.

“They understood our business, our vision, and have easily doubled our website enquiries.”

Inbound leads

Brewer & Bunney is spending just a third of the money it invested with a previous online marketing supplier with GWS Media – but has doubled its inbound leads.

Dan said: “I told the team at GWS Media where we wanted to be and they carried out an analysis and came up with ideas, which they implemented, to get us there.

“The website now works very well and brings in lots of business. We have been able to personally monitor the results, rather than rely on a monthly report from an external body.

“We have created pages for relevant industries, such as independent schools, care homes, hotels and campsites. The reason behind buying is different for each area and the website now reflects this.

“GWS Media cover all bases, not just the technical side. Our  site is easier to navigate – taking people to the relevant page, testimonials and names, for example.”

News

DC Thomson selects James and James for eCommerce fulfilment

James and James enables D2C eCommerce for DC Thomson Media, Aceville, and Puzzler

DC Thomson – the media company behind brands like Aceville, Beano, Puzzler and Stylist – has awarded James and James Fulfilment a contract to provide a fully outsourced eCommerce fulfilment service and access to its award-winning, cloud-based order management system, ControlPort. This strategic move provides DC Thomson access to modern outsourced fulfilment, increased visibility of its supply chain and supports the firm’s desire to modernise fulfilment, while driving direct-to-consumer sales.

Working with James and James sets DC Thomson up operationally for further eCommerce growth and enables it to offer customers a better service. DC Thomson’s customer service team now has greater visibility of customer purchases and can provide them with real-time updates about their orders. Well-known publications that James and James will deliver and fulfil include Beano and Dandy Summer Specials, The Dennis Collection, This England Annual 2022 and calendar, Oor Wullie My Book Of Riddles & Trivia Book; and issues of Premium Crosswords, Codewords,Wordsearch and Sudoku.

Craig Houston, Head of eCommerce and Partnerships at DC Thomson Media says: “Our customers increasingly want to buy directly from our brands online. This need was amplified through the pandemic as we saw eCommerce grow substantially across our websites. This encouraged us to consider how we could improve our customer journey and involved reviewing our eCommerce processes and how we would modernise them to meet customer needs. Part of that exercise involved an overhaul of our eCommerce fulfilment. We really wanted to work with a modern fulfilment provider that offered us efficient and accurate picking, packing and delivery times as well as strong access to cloud-based technologies that would provide us with an accurate view of our supply chain.”

James and James has worked with DC Thomson since December 2020 with fulfilment carried out by James and James’s Northampton based fulfilment centre.

“DC Thomson is such a well-known British brand with icons like Beano and Puzzler under its banner. It’s fantastic to be a part of its eCommerce journey and to help it deliver a great customer experience during fulfilment and delivery to customers,” says James Hyde, CEO of James and James Fulfilment. “We set up James and James to provide eCommerce brands, like DC Thomson, with a modern, digital eCommerce fulfilment experience. Many of the firms we represent come to us to take the pain away from them to deliver their products to customers. This frees up time within their businesses to focus on what they do best: building their brands, building customer relationships and selling their products whilst trusting us with fulfilment.”

About James and James Fulfilment

James and James Fulfilment provides outsourced fulfilment services to online retailers. It stores their products, picks, packs and ships their orders, and handles any returns. The company was founded by University of Cambridge graduates, James Hyde and James Strachan, in 2010, when they could not find a modern fulfilment solution for an eCommerce business they worked for. Since then, its proprietary software has won a Queen’s Award for Enterprise in the field of Innovation and it has joined the Fast Track 100 and FT1000 lists of high-growth companies. Headquartered in Northampton, UK, with an additional fulfilment centre in Ohio, USA, the company secured an £11m investment from private equity investor, LDC, in March 2020. It won a second Queen’s Award – for International Trade – in April 2020. https://www.ecommercefulfilment.com/

About DC Thomson

DC Thomson is a private company and one of the leading media organisations in the UK, with a wide portfolio of news, magazine and radio brands. It is headquartered in Dundee, Scotland, with a London base in the world-famous Fleet Street. The DC Thomson Group includes DC Thomson Media, global genealogy company Findmypast, leading IT business services provider Brightsolid, multimedia studio Beano Studios and magazine businesses Puzzler Media and The Stylist Group.

News

Celebration Packaging launches disposable paper cutlery in retail packs

UK-based Celebration Packaging has launched its proven disposable and fully recyclable paper cutlery range in convenient retail packs.

“We’ve been supplying our award-winning disposable paper cutlery to the foodservice and takeaway sectors for quite some time, but we are now making the products available to the general public through retail channels,” says Celebration Packaging Managing Director Nick Burton. “Packs of paper knives, forks and spoons are already on-shelf with a leading retailer in Norway, and will soon be available here in the UK.”

Available in convenient packs of 20 knives, forks or spoons, Celebration Packaging’s recyclable EnviroWare® paper cutlery is made from paper produced from sustainable forestry and has full FSC® (Forest Stewardship Council®) chain of custody accreditations.  Celebration Packaging is BRCGS (Brand Reputation Compliance Global Standards) certified, and the sustainable paper cutlery has been vigorously tested to meet relevant EU regulations, and is free from Bisphenol A.

The outer packaging is own-label branded to fit in with retailer’s existing retail homeware and picnic ranges, and enables consumers to see at a glance that the cutlery is environmentally friendly.

“In the foodservice and takeaway sectors, we’re seen as the paper cutlery experts,” says Nick. “Immediately after launching the range in 2019, we won an award in the Innovation Challenge at the lunch! show at ExCel, London. The judging panel said: ‘The EnviroWare® paper cutlery is a real contender for the future of foodservice cutlery’. We are excited to now make these sustainable products available through retail channels.”

In Europe, a ban on the sale of single-use plastic cutlery comes into force on 3 July, and in the UK, while a ban on the supply or sale of single-use plastic straws and cotton buds came into effect last October, the banning of other single-use plastic items is still being debated.

“Disposable, but fully recyclable paper cutlery provides a perfect solution for consumers wanting to play their part in reducing single-use plastic packaging,” says Nick. “Many people think the focus on sustainability is something new and are then surprised to discover that we launched our EnviroWare® range over 13 years ago.”

Please visit: https://celebration.co.uk/

News

Lockdown Norms and Staff Crunch: UK Hospitality Sector Faces Fresh Challenges

After struggling with three national lockdowns since the pandemic broke out, the UK has gradually opened the economy. Bars and restaurants began welcoming customers from 12 April onwards, and indoor dining is expected to open from 17 May. The Covid-19 pandemic ravaged businesses, especially the ones in the hospitality and aviation sectors. Global travel restrictions and social distancing norms crippled both sectors.

The hospitality sector is expecting that the pent-up demand and a UK-oriented holiday season would help the sector to revive with a profitable summer season.

But as the industry is gearing up for recovery of the businesses, staff crunch is the biggest challenge the sector is facing. Job losses in the sector during the lockdown forced workers to leave their jobs and look for jobs in other sectors. The crisis is so pressing that most establishments are struggling to hire enough workers, due to which, plans to fully operationalize by May might fall apart.

Restaurants and pubs have said that as many as a quarter of those who were employed before the Covid-19 pandemic may not return owing to the uncertainties. Besides post-Brexit, the challenge pertains mainly to the lack of availability of skilled labor from the EU, which is causing hiring issues, specifically in the kitchen.

UK workforce in the hospitality sector before the Brexit comprised mainly overseas workers, including those from the EU. But a major chunk of them have left England last year, and there is no clarity on whether they would be back any time soon.

The listed restaurant operator, Mitchells & Butlers (M&B) lost 9,000 of its 39,000 staff in the last year. The restaurant owner D&D is looking to hire as many as 400 new hands to add to its total workforce of 1,300. Pizza Express laid off thousands of its employees in the last year and is now looking to hire 1,000 staff.

A report by Fitch Ratings has said that restaurants, pubs, hotels, and restaurants would have to bear additional costs of both hiring and training new employees, which would impact margins in the short term. According to the report, prior to the Brexit, EU nationals comprised 12 percent of the UK’s hospitality workforce.

The report pointed out that the staff crunch was not even across the sector. Establishments like Whitbread that employ directly, would likely have more employees returning to work than those who hire part-time or through staff agencies. It said that the crunch would be felt more in London and other big cities, as they hired more foreign workers than remote joints, which depend on local communities would remain less affected.

Though venue owners expect huge demand after a year but if opening hours are limited due to staff shortage and therefore, it might impact revenues. A recruitment website highlighted that vacancies on its website were up by over 85 percent in the last couple of weeks. About 22,000 roles are now being advertised. Data from the Office for National Statistics suggest that the hospitality sector has 355,000 vacancies compared to a year ago. About 3.2 million were employed in the sector before the pandemic.

UK businesses were severely impacted by the pandemic. The easing of lockdown norms was supposed to help businesses get back on their feet. The hospitality sector is one of the biggest employment generators. If the staffing crisis is not resolved soon, it would not only defeat the purpose of easing norms, it would also impact revenues in a big way.

Written by Kunal Sawhney, CEO, Kalkine Group. For more information: https://kalkinemedia.com/uk

Charity & CSR, News

Sayer Vincent offers vital support to charities with free webinar programme covering key areas of charity finance

Sayer Vincent, the award-winning firm of charity auditors and advisers announces its 2021 Spring and Summer series of free webinars tailored to support the development of finance professionals in charities and other social purpose organisations.

Covering key areas including Charity tax made simple and Tax for fundraisers – these sessions will be informative and easily accessible and will give attendees practical advice and knowledge that they can use in their roles.

All sessions are delivered live in webinar format with a chair to collate and structure the Q&A section. They include a slide presentation, video window of speaker, live Q&A box and the ability to share other handouts during the session. For those that can’t attend, each webinar will be available on demand for a limited period afterwards.

The charity sector is facing unprecedented challenges due to the COVID-19 pandemic. The PBE Covid Charity Tracker[i] survey revealed seventy-five per cent of charities expect higher demand in 2021, while 83% forecast income decline.

Pro Bono Economics estimates the funding gap between income and expenditure among UK charities could reach £10bn, leading to 60,000 redundancies[ii].

Jonathan Orchard, Partner at Sayer Vincent said, “As lockdown is starting to ease and restrictions are lifted there is light at the end of the tunnel for charities that have struggled during the pandemic. However, the strain on finances will not disappear overnight, and finance professionals will continue being at the forefront of their charity’s recovery.

“During the pandemic we moved our seminar series online which has meant more organisations have been able to benefit from our expertise. Our team will be showing charities how to become more effective in how they manage their finances and achieve the best outcomes for their beneficiaries.

“We are running sessions on charity tax covering the rules, how they apply to charities and common situations charities face. Understanding tax is essential, especially when it comes to fundraising. With opportunities and ideas likely to increase as we move out of lockdown its imperative charities are aware of the rules and possible tax implications.”

Kate Donnelly, Membership Manager, Fields in Trust who attended one of the previous sessions said, “The VAT and gift aid training session was really enlightening and showed me new ways in which we can save money and claim tax back. It was clearly presented and explained; I’d highly recommend it to other charitable organisations.”

Below is the webinar programme for 2021:

 Charity tax made simple – Tax issues are particularly complicated for charities. Sayer Vincent breaks down the key points in a way that is easy to understand

  • 11 May 2021 – VAT: income status
  • 12 May 2021 – VAT: recovery & reliefs
  • 13 May 2021 – Gift Aid
  • 14 May 2021 – Trading & rates relief

 Tax for fundraisers – Looks at practical aspects of managing the tax and VAT aspects of events and other fundraising methods such as membership schemes

  • 15 June 2021 – Gift Aid: the basics
  • 16 June 2021 – Fundraising events (VAT & Gift Aid)
  • 17 June 2021 – Corporate support & membership

For more information and to book onto these webinars visit: http://www.sayervincent.co.uk/events/our-seminars/

[i] https://cfg.org.uk/press_release_economists_sound_warning_over_charity_crunch

[ii] https://www.theguardian.com/society/2021/jan/28/martin-lewis-calls-for-bailout-for-charities-at-risk-of-collapse-due-to-covid