Marlborough Living Jul - Aug 2021

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hot Hot weather tips This summer from Maqueen Tips Veterinary Centre... ADVERTISING FEATURE Heatstroke Dogs Heatstroke: can only Dogs cool can themselves only cool by panting, themselves which by panting, is much which less efficient is much than less efficient sweating, than so sweating, are very susceptible so are very to susceptible becoming to overheated becoming overheated in hot weather, in hot weather, especially especially if they if cannot they find a cannot shady find cool a place shady to cool lie. place Panting, to lie. which Panting, cools which by cools evaporation, by evaporation, is less effective is less effective in humid in humid weather, weather, in a confined in space, or for short nosed a confined breeds space, like or pugs for short and Bulldogs. nosed Pets with thick coats, short breeds noses, like pugs extra and poundage Bulldogs. or a drive to charge about whatever Pets with the thick temperature, coats, short noses, are particularly at risk. Keeping extra poundage cool: provide or a drive cool to indoor charge refuges, with fans, and cooling about whatever mats or the wet temperature, towels, and are for water loving dogs, a cool shady particularly paddling at risk. pool. Spray with cooling water and consider buying a cooling jacket. Take water, and a collapsible bowl with Keeping you when cool: provide travelling cool or indoor on walks, refuges, and Doggy with fans, Ice and Cream is always cooling welcome! mats or wet towels, and for water loving dogs, a cool If shady your paddling dog becomes pool. Spray overheated with cooling - contact water your and vet, consider cool him down buying with a cooling a cool jacket. tepid shower Take water, or wet and towels, a collapsible keep him bowl calm with and you when give him travelling plenty or of on cool walks, not cold and Doggy water to Ice drink Cream is always welcome! *If your dog becomes overheated - contact your vet, Senior cool him pets down - take with special a cool tepid care shower of older or companions, wet towels, keep making him sure calm that and they give him stay plenty cool and of cool drink not plenty cold water of water. to drink” They often love to sunbathe but may snooze longer than they should leading Senior pets: to heatstroke, take special circulatory care of older problems, companions, or sunburn making sure that they stay cool and drink plenty of water. They often love to Sunbathing sunbathe but pets may with snooze white longer ear tips than and they noses should need leading SPF to 50 cream heatstroke, to prevent circulatory skin problems, cancer and or sunburn. sunburn. Hypoallergenic Sunbathing pets products with white suitable ear tips for and young noses children need SPF may 50 be cream used, to but prevent products skin cancer designed and sunburn. for pets Hypoallergenic are probably products safest, as suitable some for ingredients young children may may be be toxic used, if licked but products off. designed for pets are probably safest, as some ingredients may be toxic if licked off. A Declaration of Bare Your Trust Trusts could Wealth, provide Bare trusts are true to their name and peace just deal with Your of “bare” mind Decision for essentials! The trustees hold the trust property on behalf of the cohabiting couples ADVERTISING FEATURE beneficiary, Victoria itIremonger, really is that simple. a paralegal at The beneficiary owns the Wansbroughs Solicitors in Devizes considers beneficial interest in the property the English Court’s commitment to upholding and Tom theyBritten, are entitled to an the income Associate in the it generates (if any) but they will not testamentary Private own the property Client freedom... outright team until at Wansbroughs they reach the age of 18 years of Testamentary explains freedom why is cohabiting the concept that you couples can, within your age. Will, leave your wealth to whomever you wish - whether by outright Bare might trusts provision are want often or used by to placing consider by assets into the a trust. benefits of grandparents to gift money to their grandchildren a Declaration who are below of Trust. the age of 18 years old and therefore The recent case of Cowan v Foreman reaffirmed the English unable to receive such funds outright. In many instances, grandparents Court’s commitment may open to interest-bearing upholding testamentary bank accounts freedom in their According grandchild/grandchildren’s wherever possible, to the Office by rejecting of National names Mrs and Statistics, Cowan’s then transfer the application number money of to into that cohabiting account receive her – either couples inheritance larger (with one-off, in or the without form lesschildren) frequent of outright continues sums legacies or more to instead grow frequent of faster through sums, than i.e. the monthly married trusts sums. set couples The by and Mr grandparents lone Cowan’s Will. can families rest – assured an increase thisof instance 25.8% from that2008 they to retain 2018. control However, of themany funds cohabitees as signatories are not of the aware account of Under the limited the while terms legal their of protection grandchildren Mr Cowan’s available Will, are minors. he to them made The if Mrs their funds Cowan relationship can be a were used beneficiary to forbreakdown. things of two theirtrusts. It grandchild is important Since may Mr to Cowan’s require, realise that, i.e. death, school when the dealing fees, trustees or with school have assets been trips. supporting on The the only breakdown stipulation his widow of is a with relationship, that large they must monthly a cohabitee benefit payments. theis not It treated grandchild is however in the because reported same way although that as Mrs a spouse. grandparents Cowan This was is uncomfortable will often remain misunderstood in control with the of and arrangements, the funds, can leave they one actually feeling party that belong at a she disadvantage towas the“at grandchild. the during mercy what of the is already trustees” a difficult who Whencould the and grandchild cut emotional her adrift attains time. with the no age access of 18, to they money can at request all’. that the trustees transfer control of the trust property and the income. Bare trustees One Mrs Cowan way must to be therefore bear clear in about mind applied the that extent to if they of High consider each Court cohabitee’s 18to years vary old the interest to be in too the distribution young for family home of their her is to late grandchildren prepare husband’s to a Declaration estate. inherit Ruling large sums of Trust. against of money This document her, the then confirms judge astated bare trust the proportions that may ‘there notis be in absolutely suitable. which two or nothing more individuals in the evidence own a to property It suggest is not just and that for can the grandchildren trustees reflect how would the that parties blatantly bare trusts would defy can like the be the deceased’s created. net sale Bare proceeds wishes’ trusts can and be to be ‘it created must split, should be in Wills possible or when the relationship for the trustees testator of a breakdown. to pension provide scheme for his transfer widow by a lump a generous sum death trust benefit, arrangement to namesuch just as a couple this, without of the examples. A fear Declaration that it They will of be do Trust interfered not have to can be with contain used at to huge cash record expense and can, both initial in for proceedings example, contain and future under financial the shares 1975 or contributions Act.’ property. There can be more than one beneficiary of a bare trust (i.e. your grandchildren made by as all parties. a class). If All one in party all, they is can contributing be more than the other to the property, for example, by contributing As very highlighted flexible the in in entirety the terms Cowan of what of the case, they deposit as contain, for long a property as who trustees the trustees purchase, act in are they a and reasonable who the beneficiaries may wish manner to protect and are. their in accordance They can be extra contribution with set up your by by stating wishes, anyone, not just family members for the benefit of other family members. that this there is little reason to overturn a trust arrangement. It should For amount must be repaid before the remaining equity is divided. however both capital be noted gains that tax Mrs andCowan inheritance has indicated tax purposes, her intention the beneficiary to appeal the is treated judgment as the so while, beneficial for now, owner the of any Courts property appear which to Nobody is held inlikes the bare to plan trust, for not failure. the However, trustees. The a Declaration transfer byof the Trust is be upholding this concept, it remains to be seen whether Mrs a individual, good way whoever of ensuring that that mayall be, into the trust is a gift for inheritance Cowan will persuade them to alter the means of her inheritance. cohabitees’ tax purposesinterests but no inheritance are recorded tax charge will arise immediately and if protected the individual and may gifting even intohelp the trust survives for seven year from the To find out more about making a Will and other estate planning, to avoid date or of at theleast gift then minimise no inheritance the tax will be payable at all. please get in touch with your usual contact at Wansbroughs or costs Capital associated gains tax might with a arise dispute on if a transfer into the trust if the asset contact us on 01380 733 399 or via email at a isrelationship not cash. Therefore does break a gift down. into a bank account in cash would not trigger wealth@wansbroughs.com. a charge to capital gains tax. Wansbroughs Once funds arecan in the provide bareadvice trust, capital gains tax, if payable, is payable By Victoria Iremonger regarding byDeclarations the beneficiary of Trust but they are entitled to their individual annual and how exemption they can be of £11,100 used Paralegal to and- similarly, Private Client income tax will be provide payablepeace by theof beneficiary. mind for Wansbroughs all Solicitors parties. Bare trusts If you have would many like other to potential uses which you can discuss discuss with should Declarations you think of Trust Devizes: this might in 01380 be of interest 733300to you. more If youdetail, wouldplease like toget consider in Melksham: touch any of01225 this in896100 more detail please with contact us via Wansbroughs email at wealth@wansbroughs.com in Devizes on 01380 733300, email Tom Britten wealth@wansbroughs.com. www.wansbroughs.com or your usual contact. Devizes Office Northgate House, Northgate Street, Devizes SN10 1JX Tel: 01380 733300 Email: mail@wansbroughs.com www.wansbroughs.com www.minervamagazines.co.uk | 47
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Marlborough Living Jul - Aug 2021

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