Marlborough Living Sep - Oct 2021

hot weather tips
HELPING YOUR DOG
ADJUST This summer TO from Maqueen THE NEW
Veterinary Centre...
NORMAL
Heatstroke: Dogs can only cool
Over themselves the by past panting, few which months is much many households
have
less efficient
taken
than
on
sweating,
new pets
so are
and
very
are enjoying the
susceptible to becoming overheated
benefits in hot weather, that especially they bring... if they
Established
cannot find a
pets
shady
have
cool
also
place
enjoyed
to lie.
continuous company and
extra
Panting,
attention
which
and
cools
exercise.
by evaporation,
However, as children return to
school
is less effective
and many
in
of
humid
us return
weather,
to work,
in
life is going to be different
for
a confined
our companions.
space, or
All
for
dogs
short
appreciate
nosed
an established routine
and
breeds
sudden
like pugs
changes
and
may
Bulldogs.
result in anxiety or undesirable
behaviour.
Pets with thick coats, short noses,
extra poundage or a drive to charge
Tips
about
to
whatever
help
the temperature, are
1)
particularly
Ensure that
at risk.
your dog has a safe
comfortable haven where he feels safe.
2)
Keeping
Use an
cool:
ADAPTIL
provide
Calm
cool
Diffuser
indoor refuges, with fans, and
plug
cooling
in, in
mats
the
or
area
wet
your
towels,
dog
and
spends
for water loving dogs, a cool
most
shady
time
paddling
to provide
pool.
comforting
Spray with
and
cooling water and consider
reassuring
buying a cooling
pheromones.
jacket. Take water, and a collapsible bowl with
3)
you
Build
when
their
travelling
confidence
or on
whilst
walks,
you
and
are
Doggy
still home
Ice Cream
by leaving
is always
the
house
welcome!
for short
*If your
periods
dog becomes
or working
overheated
in a separate
- contact
room.
your vet,
4)
cool
Give
him
them
down
something
with a cool
interesting
tepid shower
and rewarding
or wet towels,
to do
keep
when
him
alone
calm and
such
give
as long
him plenty
lasting
of
food
cool
puzzles,
not cold
or
water
Kongs
to
filled
drink”
with
frozen chicken stock.
5)
Senior
Give
pets:
them
take
plenty
special
of tiring
care
and
of
interesting
older companions,
exercise
making
every day
sure
-
different
that they
walks,
stay cool
retrieving
and drink
toys.
plenty
We have
of water.
wonderful
They often
country
love
walks
to
in
sunbathe
the local
but
area
may
... have
snooze
some
longer
fun
than
exploring!
they should leading to
6)
heatstroke,
Play slow
circulatory
music - preferably
problems,
reggae
or sunburn.
or classical.
Sunbathing
If you
pets
normally
with white
have
ear
the
tips
radio
and noses
on when
need
you
SPF
are
50
home,
cream
leave
to prevent
it on.
7)
skin
When
cancer
you
and
leave,
sunburn.
just do
Hypoallergenic
it quietly and calmly,
products
and
suitable
the same
for
on
young
your
children
return. Only
may be
fuss
used,
your
but
dog
products
when they
designed
are calm
for
and
pets
have
are
all
probably
4 feet on
safest,
the floor.
as some ingredients may be toxic if licked off.
ADVERTISING FEATURE
Constructive trusts,
Bare Your Trusts Wealth,
deconstructed
Bare trusts are true to their name
and just deal with “bare”
Your Decision
essentials! The trustees hold the
Having grown up in and around
trust property on behalf of the
beneficiary, Victoria Marlborough, itIremonger, really is that Thomas simple. a paralegal Britten at knew that
The beneficiary owns the
Wansbroughs when the time Solicitors came, he in wanted Devizes to considers
beneficial interest in the property
return
and the they
to English are entitled
local Court’s to the income
area to commitment settle down to and upholding pursue
it generates (if any) but they will
not
testamentary
a career own the propertyfreedom...
in law. outright 5 years until after qualifying,
they reach the age of 18 years of
Testamentary
Tom is now
freedom
an
is
associate
the concept that
solicitor
you can, within
in the
your
age.
Will, leave your wealth to whomever you wish - whether by
outright
Bare
Private
trusts
provision
are
Client
often
or
used
by team placing
by
at assets Wansbroughs into a trust. and
grandparents to gift money to their
grandchildren has ever who are growing below the age base of 18of years both old and local therefore
The recent case of Cowan v Foreman reaffirmed the English
unable to receive such funds outright. In many instances,
Court’s clients commitment and those to upholding from testamentary further afield. freedom
grandparents may open interest-bearing bank accounts in their
grandchild/grandchildren’s
wherever possible, by rejecting
names
Mrs
and
Cowan’s
then transfer
application
money
to
into that
Tom account receive enjoys her – either advising inheritance larger clients one-off, in the form all less aspects frequent of outright of private sums legacies or client more instead law, frequent of
from through sums, making i.e. the monthly trusts a Will sums. and set up preparing The by Mr grandparents Cowan’s Lasting Powers Will. can rest of Attorney assured in to this
instance administering that they a complex retain control estate. of the funds as signatories of the
account Under the while terms their of grandchildren Mr Cowan’s Will, are minors. he made TheMrs funds Cowan can be a
One used beneficiary
area for things where
of two their Tom
trusts. grandchild has found
Since may clients
Mr Cowan’s require, sometimes i.e. death, school encounter
the fees, trustees or
difficulties school have been trips. is
supporting
when The only a relationship stipulation his widow
breaks iswith that large they down must monthly
and benefit an agreement
payments. the It
needs
grandchild is however
to be
because reported
reached
although
regarding
that Mrs grandparents Cowan
the future
was
of
uncomfortable will
the
remain
family home.
in control with
The
the of
courts
arrangements, the funds,
do not
they
have
actually feeling
the same
that belong she
wide
towas the
powers
“at grandchild. the
to
mercy
distribute
of the
a cohabiting
trustees”
couple’s
who Whencould theproperty grandchild cut her
that
adrift attains they
with
have the no age to
access
distribute of 18, to they money
a married can at request all’.
couple’s that the
trustees
or civil partners’
transfer
property.
control of
Instead,
the trust
the
property
courts
and
have
the
to rely
income.
on the
Bare
trustees
concept
Mrs Cowan must
of constructive
therefore bear in mind applied
trusts.
thatto if they High consider Court 18to years vary old the to be
too distribution young for of their her late grandchildren husband’s toestate. inherit Ruling large sums against of money her, the
then
A
judge a
constructive
stated bare trust that may
trust
‘there not
is imposed
is be absolutely suitable.
by the court
nothing
when
in the
it would
evidence
be
to
unfair
It suggest is not
to
just
allow
that for the
a
grandchildren
person
trustees
A to
would
deny
thatblatantly that
bare
person
trusts defy can
B has
the bedeceased’s
an
created.
interest
Bare
in
their
wishes’ trusts can
property.
and be‘it created
When
must
deciding
be in Wills possible or when
whether
for the trustees
to impose
testator of a to pension
constructive
provide scheme for his
transfer
trust,
widow
the
by a lump
court
a generous sum death
will try to
trust benefit,
give
arrangement to name
effect to the cohabitees’
such just as a couple this,
intention
without of
as
the
examples.
to
fear
ownership
that it They will
of
be do
the
interfered not have to
former family
with contain
home.
at huge cash
This
expense and can,
will be easier
in for proceedings example,
contain
if the
cohabitees
under the shares 1975 or
have
Act.’ property. There can be more than one beneficiary
of a bare trust (i.e. recorded your grandchildren their intention asin a class). a Declaration All in all, of they Trust; can
a bedocument that confirms the proportions which two or more
individuals
As
very
highlighted
flexible
own
in
in
a property.
the
terms
Cowan
of what
case,
they
as
contain,
long as
who
trustees
the trustees
act in
are
a
and
reasonable
who the beneficiaries
manner and
are.
in accordance
They can be
with
set up
your
by
wishes,
anyone, not
just family members for the benefit of other family members.
there is little reason to overturn a trust arrangement. It should
For In the absence of a Declaration of Trust, the court will infer
however both capital be noted gains that tax Mrs andCowan inheritance has indicated tax purposes, her intention the
the beneficiary cohabitees’ intention from other circumstances; such as
to appeal the
is treated
judgment
as the
so while,
beneficial
for now,
owner
the
of any
Courts
property
appear
which
to
contributions is held in the bare to the trust, former notfamily the trustees. home, both The transfer financial by (e.g. the
be upholding this concept, it remains to be seen whether Mrs
mortgage individual, repayments) whoever thatand maynon-
financial tax purposes (e.g. housekeeping). but no inheritance As tax a charge will arise immediately
be, into the trust is a gift for inheritance
Cowan will persuade them to alter the means of her inheritance.
and last resort, if the individual the court gifting can impose into the trust survives for seven year from
the
To find out more about making a Will and other estate planning,
constructive date of the trust giftbased then no on inheritance what it tax will be payable at all.
please get in touch with your usual contact at Wansbroughs or
considers Capital gains to be taxfair.
might arise on a transfer into the trust if the asset
is contact not cash. us on Therefore 01380 733 a gift399 intoor a via bank email account at in cash would not
wealth@wansbroughs.com.
Recording trigger a charge the ownership to capitalof gains the tax.
family Once funds home are in a inDeclaration
the bare trust, capital gains tax, if payable, is
payable
By Victoria Iremonger
of Trust could by theavoid beneficiary expensive but they are entitled to their individual
annual and uncertain exemption litigation of £11,100 in Paralegal the and- similarly, Private Client income tax will be
unfortunate payable by the event beneficiary. of relationship Wansbroughs Solicitors
breakdown. Bare trusts have If you many would other like potential help uses which you can discuss
preparing with us should a Declaration you thinkof Devizes: this Trust, might01380 be of interest 733300to you.
please If you would get in touch like towith consider Melksham: us at any of01225 this in896100
more detail please
wealth@wansbroughs.com contact Wansbroughs wealth@wansbroughs.com
in Devizes or on on 01380 733300, email
Tom Britten
wealth@wansbroughs.com 01380 733300. www.wansbroughs.com
or your usual contact.
Devizes Office
Northgate House, Northgate
Street, Devizes SN10 1JX
Tel: 01380 733300
Email: mail@wansbroughs.com
ADVERTISING FEATURE
www.wansbroughs.com
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