The Legacy Yearbook 2019 by Amra Media Solutions

THE

LEGACY YEARBOOK

2019

THE

LEGACY YEARBOOK

Dear Readers Welcome to the 2019 edition of ‘The Legacy Yearbook’. We hope that the publication will provide an ideal reference point when choosing one or more charities to leave a legacy to. When looking for a particular charity, please refer to the contents on page 26. Also within the magazine you will find various articles, such as the reasons why making a will is so important and the benefits of leaving a legacy, how you can create a lasting memorial, and more. Legacies account for a major part of the income of charities, however small, and we are sure you will find your chosen charity within The Legacy Yearbook.

Published by Amra Media Solutions The Old Lavender Mill, 46a Brook Street, Aston Clinton, Bucks, HP22 5ES Tel. 01296 632700 Email: info@amramediaco.uk www.legacyyearbook.co.uk Designed by Tom Evans Design Cover Image Fotolia All rights reserved. No part of this publication may be reproduced without the prior permission of the publisher. The opinions expressed in this magazine are not necessarily those ofthe publisher. Although every care is taken to ensure accuracy of the information and the advertisements contained within the magazine, the publisher cannot accept liability.

2019 brings us to our 21st year of this publication, and our website www.legacyyearbook.co.uk has now been running for over eight years. We would like to take this opportunity to thank all the charities who have been with us over the years, many have remained with us since the launch. Finally, please help them to continue their important work by remembering the charity of your choice in your will. You don’t have to be rich and famous to make a contribution that can make a difference. We can all do something amazing for the world just by leaving a gift in our wills to charity.

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No one is immortal

reparing for the end of life is something few of us are comfortable thinking or talking about, whether it is our own life or that of a loved one. This is particularly so while we (or they) are happy, healthy and enjoying a good quality of life. It might seem morbid to encourage people to prepare for death, but it is the only certainty in life – we are all going to die at some point. A little preparation and a few basic arrangements, well ahead of the event, could save endless amounts of angst amongst family and friends when death finally occurs. Doesn’t this just make sense? Making your wishes known and getting your affairs in order well ahead is neither gloomy nor unhealthy: quite the reverse. It is prudent, sensible and unselfish. Being prepared will also allow more quality time with loved ones, particularly when those precious final weeks or days come. It is helpful and will relieve family and care givers at a particularly difficult time of lots of strain and stress. Tough discussions and decisions are often not so difficult once the subject is broached. Once you have done so, you can then concentrate on living and enjoying each day as if it could be your last.

Many people find it enormously helpful to have openly talked about end of life-related issues in plenty of time. Conversations will differ depending on when and with whom such things are being discussed. If you have reservations about airing such matters, commit them to paper instead.

Laws of intestacy If you die without leaving a will your finances are dealt with under the rules of intestacy. The rules differ slightly between England and Wales, Scotland and Northern Ireland but that should not detract from our key message. An intestacy is basically a great big mess that will take time, money and effort to sort out and even then things won’t follow a smooth path. Rules set by the government (the laws of intestacy) will determine who inherits the deceased person’s estate (possessions, property and money). There is no guarantee that the deceased person’s wishes will be carried out or that their estate will go to those they intended. Promises made will count for nothing and may only cause confusion and perhaps upset. Only married or civil partners (actually married at the time of death) and close relatives can inherit under the rules

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organizations that you have authority to access and distribute funds that were held in the deceased’s name. If Inheritance Tax is due on the estate, some or all of this must be paid before a grant will be issued.

Wills A will is a legal document that sets out a person’s final financial wishes. There are six main reasons why you should make a will if you have not done so already: The alternative is the mess of intestacy as above. It means your wishes are known with clarity (after all you won’t be around to clarify things!).

The fear of death follows from the fear of life. A man who lives fully is prepared to die at any time.

It helps avoid disputes between relatives. Some relatives may not agree and some may still seek to make a claim on your estate but the fact that you have clarified what you want goes a very long way to prevent disgruntled relatives disputing things. It can protect assets for future generations. If you are fortunate to have assets that can stay in the family and you wish these to be preserved for future generations the will can be directed to put certain assets or funds into a trust to help preserve them for the benefit of future generations. This may help prevent the next generation blowing the lot and can be useful in large and complex estates or family situations that appear chaotic.

Mark Twain

Inheritance tax. If you leave your estate to your husband, wife or civil partner then no inheritance is paid. Anything left to a charity is also exempt from inheritance tax. Armed with some of the information on gifts from Chapter 3 (Tax) you will also see how you could be more tax-efficient with more knowledge and advice. Clarify the funeral that you would like and provide for the costs of the funeral and any after event (catering and venue hire) to be paid from your estate. This allows you to specify what you would like and also anything that you do not want, and removes significant stresses from those left to make the arrangements.

TOP TIP Intestacy is a mess so don’t put your relatives through it. Make a will and use that as an opportunity to revisit your end-of-life plans and the other matters covered in this chapter. Tough discussions and decisions are often not so difficult once the subject is broached. of intestacy. An unmarried partner and stepchildren have no automatic rights. Possessions, including the home, may have to be sold to split the proceeds between the heirs and if there are no relatives the Crown gets the lot. All is not bleak, as usually a close relative will have the legal right to step in, prove their position and relationship and seek to sort out the estate of the person who has died intestate. To administer someone’s estate you apply to the deceased’s local Probate Office for a ‘Grant of Letters of Administration’. You can ask your solicitor to help you with applying for a grant or you can make a personal application. When you get the grant you become the ‘administrator’ of the estate. The grant provides proof to banks, building societies and other

Having a will becomes absolutely essential if you live with an unmarried partner, have divorced, remarried, or need to provide for someone with a disability. You can write your will yourself or with the assistance of do-it-yourself will-writing kits available online or from stationery shops. Both routes can be prone to error and misinterpretation and therefore advice and assistance really should be sought. There are several different types of wills, amongst which are: a single will relates to an individual; mirror (or joint) wills are designed for couples who have the same wishes; a property trust will places the estate into trust for beneficiaries; a discretionary trust will allows trustees to decide what is best at the time of your death. There is no ‘one size fits all’ answer to deciding which sort of will is best. Specialist advice is essential and researching your circumstances (personal and financial) will reveal what kind of will is right for you. Your will should be stored carefully

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What to include and terminology Your will should explain the main assets you own (your ‘estate’) and indicate your debts (what you owe). This is not an exhaustive list but it will be helpful to detail any homes, significant assets, investments, savings and life policies, their location and the main debts owed (usually mortgages, loans and a listing of credit cards). Jointly owned property should be clarified and remember ‘joint tenants’ will see your share automatically passing to the other joint tenant(s) on death and ‘tenants in common’ means you can leave your share to someone else. ‘Executors’ are the vital people who make sure your will happens as you intended.

where the relevant people can find it and needs to be formally witnessed and signed to make it legally valid. If at any time you wish to update your will, this must be done officially, by means of a ‘codicil’. If your circumstances change (divorce, death of a loved one, or new family members) you should review the position and decide if a new will is necessary. Keep with your papers at home a list of your ‘assets’. Where is the treasure buried? By keeping this information up to date you can save your executors hours of work pursuing wild goose chases. Ultimately, those you wish to benefit will get more if your paperwork is accurate.

Banks Some banks offer a will-writing service. Make sure that you can choose your own executor or understand in advance the bank’s charges for acting as executor as fees can be relatively expensive if banks undertake the executor service.

‘Beneficiaries’ are the people you name to receive something in your will; remember to give their full names and precise relationship to you to make sure they are correctly identified. ‘Legacies’ is the name for gifts you make to beneficiaries. A ‘residual beneficiary’ is the person or charity that receives the remainder of your estate once specific gifts have been paid out. ‘A letter of wishes’ can often accompany a will as an annex and can be helpful in avoiding cluttering up a will with a long list of people who are to be given specific assets. It can be useful for clarifying desired funeral arrangements and some health matters (such as do not resuscitate, organ donation wishes, etc) but it is not a legally binding document. Particularly where you have created a discretionary trust in your will, a letter of wishes can flesh out the bones of a dry legal document. Typically, where young parents are worried about their children becoming orphans, they wish to say how they would like their children to be educated. A marmite question is often whether you want the trustees to pay for private education out of a trust fund.

TOP TIP

Professional will-writing specialists A will-writing service can be cheaper than using a solicitor, and more reliable than a DIY will. A will-writing service could be a good choice if you understand the basics of how wills work, you wish to pay less than a solicitor would charge, and your estate is not complex. Before you instruct a will-writing service make sure they have professional indemnity insurance, because if they get it wrong there may be nobody to sue.

Solicitors The best solution is usually through an appropriately qualified solicitor who will ensure your will is interpreted the way you want and may tease out tricky issues that you may not have anticipated. If you do not have a solicitor, ask friends for a recommendation, or ask Citizens Advice. You can budget for around £200 to £500 plus vat for this help – more if you have very complex financial affairs.

Ask for a quotation for completing the will and the costs of any anticipated extras (for instance lasting powers of attorney – see below). If using a solicitor, check that they are a member of the Law Society’s Wills and Inheritance Quality Scheme and that anyone else entrusted to write your will is a member of the Society of Trust and Estate Practitioners (STEP); this gives you some added protection on the quality, accuracy and potential tax-efficiency of your will and associated arrangements.

Deeds of variation A deed of variation can be used to change a will up to two years after the date of death where all those affected by the alteration agree to the change. Typically it is used to redirect the stated benefit in a will from, say, a child to, say, a grandchild to keep down the inheritance tax potential on the child’s estate; specialist advice should be obtained from a solicitor on this potentially useful tool. The effect of the deed of variation is to rewrite the will as if the deceased person had made the new and altered instructions in their will. Extract from The Good Retirement Guide 2019 by Kogan Page, edited by Alan Esler Smith©

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MS Research and Relief Fund Supporting all people affected by Multiple Sclerosis Please help us to continue our valuable work aimed at providing a range of free services for people affected by Multiple Sclerosis including: • Grants:

To individuals for aids, adaptations, Respite Care and holidays. To groups with an interest in MS . Towards research projects.

• Free Complementary Therapies and Exercise classes • Access to MS Specialist Nurses and Physiotherapists • Access to our Information and Support Service. Please will you support Multiple Sclerosis Research and Relief Fund? ...and help us make a difference to the lives of all people who have been affected by Multiple Sclerosis. Contact: Dan Nelson, Fundraising Manager. Benmar House, Choppington Road, Stobhill, Morpeth NE61 2HX Tel: 01670 505829 Email: d.nelson@msrrf.org.uk Registered charity No. 228634 Registered company No. 795584 LegacyYearbook Yearbook 2019 2017 page Legacy page 77

UPDATE England the ‘poor man’ of group of developed countries when it comes to funding care for older people Apathy is stopping people writing a Will, according to new research It is never a nice thing to think about what might happen upon your death, but we are all have a choice over where our wealth and belongings go. But only if we make a Will. The dangers of dying without a Will – a situation known as intestacy - are great as you lose all control of where your estate ends up. If you have a spouse and direct descendants (children, grandchildren) it flows through them, if not then it goes up via your parents, or if they are deceased then out via brothers or sisters, if you have them. The rules differ slightly between England and Wales, Scotland and Northern Ireland. The risk is especially acute for people in relationships who aren’t married or in a civil partnership. They will inherit nothing without a Will in place leaving them assets, potentially jeopardising the roof over their head. Not having a Will could also mean an elderly surviving parent gets all the assets – even if you are estranged from them – rather than a sibling which may in turn mean more of the parents estate will become subject to inheritance tax. Even if you are married, and the assets pass to your partner, without a Will their financial future could be at risk if assets are not ring fenced for them. For example, your former partner might remarry and later get divorced with their expartner receiving assets that could have benefited the children. So why are so many people leaving it to chance? The main reason for this lack of preparation appears to be apathy. The most common response (38%) when asked why people do not have a will was that they simply hadn’t ‘got around to it yet’. This was even higher for those aged 45 and above, where 50% of respondents admitted they ‘haven’t got around to it’. Other reasons cited include not having enough assets to write one (32%), and feeling too young to worry about one (24%), although this response was, as would be expected, highest amongst those ages 18-24 (71%). Amongst those who do have a Will, about one in four (23%) admit to never reviewing it. Changes in circumstances, such as relationships and family births and deaths, as well as legal and tax changes mean that Wills should be reviewed periodically.

A report commissioned by Age UK highlights the different approaches to long-term care across a group of countries in the developed world, and how they compare to the system in England. The findings suggest that creating a sustainable social care system fit for a rapidly ageing population is a challenge in every one of these countries, which none has completely overcome. However, most of the countries featured in the report have grasped the nettle and implemented significant reforms during the last 25 years. For example, Germany began to modify its system in 1995 and Japan in 2000. Over the same period, despite two Government consultations, two official Commissions, five Green or White Papers and one Act of Parliament, England’s system of means tested care funding is broadly unchanged. It is notable that England has a stricter means test than the other countries examined in the report. England has a fixed means test limit for all long-term care services, meaning anyone with savings or assets above £23,250 has to pay all the costs of their long-term care (with tapered means tested support available to those with savings and assets between £23,250 and £14,250). Even those with savings and assets below the £14,250 threshold will still be expected to pay a contribution towards the costs of their care through a deduction from their State Pension. Other countries have more progressive systems, either providing a non-means tested basic level of support (Germany), capping the level of co-payment for all (at 10% in Japan), or using a more generous and gradual means test (France).

Millennials want more from pensions Millennials may get regularly mocked as Generation Snowflake obsessed with spending on luxuries but new research from Prudential shows they are focused on saving for retirement and want more support. Its study found nearly seven out of 10 (69 per cent) of under 35s are saving into pensions either through work or in personal schemes but they are struggling for help. Over half (53 per cent) wish their employer would explain pensions and benefits and nearly a quarter (24 per cent) say they find pension rules very confusing. Two thirds (66 per cent) have signed up for workplace schemes underlining the success of auto-enrolment. However, many recognise they are not saving enough with 23 per cent saying their current workplace or personal pension contribution is not high enough. Just 24 per cent admit to not having a pension fund currently and 27 per cent say pensions either do not motive them or they are not relevant to their generation. It all adds up to a responsible attitude to retirement planning from millennials – over a quarter (26 per cent) have found out more about their financial options and current situation and say they see a financial advisor regularly.

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The British Wireless for the Blind Fund For 90 years, British Wireless for the Blind Fund has been keeping blind people in touch with the world by providing free specially adapted audio equipment to visually impaired people across the UK. Sight loss can happen for any number of reasons to anyone, at any age. Losing your sight can be a very emotional and unsettling experience as everyday living brings new challenges and difficulties. Many of our beneficiaries say they simply couldnâ&#x20AC;&#x2122;t do without it, even for a day. Our radios mean different things to so many people. Hearing their stories and about how

important their radios are to them is what makes our cause so worthwhile and is why our generous donors continue to support us and our work. British Wireless receives no government funding and is proud to be supported by the generosity of the great British public. However you choose to support our work, your involvement can make such a difference to someone who is struggling with the challenges sight loss brings. British Wireless for the Blind Fund. More than just a radio.

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CREATING A LASTING MEMORIAL

important or belonged to the person. There are infinite possibilities, the only constraints being how to generate ideas and bring them to fruition. Memorials following the death of a loved one might traditionally be thought of in terms of the headstones and marble tributes that adorn cemeteries and gardens of remembrance. These are of course hugely significant elements of remembering the life and legacy of someone who has died, though it you start to generate ideas and alternatives you will quickly appreciate that there are several ways in which it is possible to remember someone.

Where do you begin? If you don’t know where to begin in planning this, then here are some initial pointers to help you: • Name of the person who died • Date of birth and date of death • Brief details of the circumstances of his or her death • Some notes on the person and his or her life • Some notes on the person’s contribution to life, meaning to you and other people • A description of what you see as the person’s legacy You might want to look at obituaries published in newspapers or online, to give you ideas of ways of communicating what someone has meant to you. Phrases or wording that others have used will give you examples or ideas of what you might wish to incorporate into your lasting memorial. Some people choose to commit to participating in a sporting endeavour or personal challenge, linking this with fund-raising for a charity that is related to the person who died. Other issues can also be part of creating a memorial. The planning and discussion for this can begin to provide a purpose and could even be the way that previously avoided activities are reintroduced into daily living, though in a way that is still connected with mourning. Look through the pictures you have collected, speak to colleagues, family members and friends and think about these questions: • Did the person have a favourite place? • Is this somewhere that you visited together? • If you look back on the person’s life, what is the most important element of his or her approach for you? • What do you want to remember most of all about his or her death (including the impact of the death)? • What are the main elements of the way in which the person adjusted to illness? • What was his or her philosophy for living? Perhaps this inspired you and you would like to be able to incorporate elements of this into your life. Think about how you would like to feel when the memorial is in place – what would be the most helpful aspect for you personally? Remember that you are the one who can control and influence this, so take time to plan and contemplate how this can work best for you in supporting your recovery. Would you want this memorial to be publicly acknowledged, or would you prefer it to be anonymous, known about only by you and those you chose to tell that the memorial is there? This need not involve visiting a cemetery or tending a grave, though for many people this helps them feel closer to the person who has died. Others can achieve this level of connection without leaving their home or through symbolic aspects of other memorials that are created. The memorial might be as simple as a small ornament or a section of a display cabinet with a photograph and something personal that was

Some people might embark upon a trip or journey intended to celebrate or honour the memory of a person or an event, particularly if this involves visiting places of personal significance to the person who has died, or perhaps places that you shared together. Doing this acknowledges the reality of the loss, but also provides a continuing sense of connection with your loved one that is such an important part of adjusting to life without him or her. It also helps with the creation of new memories that are based on the trip, building a body of information about how the person’s legacy and meaning to you are a positive influence for good in your life now. You may want to visit places you shared with the person or, having identified issues that have personal meaning, visit places linked with that. In some cases, a written statement of facts or a petition presented to a legislative body or an executive could be progressed in memory of someone who has died, particularly if that person’s death has been contributed to by factors that require public sector improvements, legislative change or societal call to action. This is the case when death occurs as a result of accidents or avoidable systems failures such as sometimes occur in the healthcare or other service industry. It may be worth considering establishing an award or charity link. A memorial serves to remember someone, commemorating that person’s life and marking his or her death. I have often thought that, particularly for sudden deaths, societal requirements for burial and the intense distress that can accompany the shock of a death make it more difficult to develop a memorial that takes account of all the aspects that one might wish to include – the pain and acute nature of grief can make this difficult. This is not to say that it will not be difficult at other times, though the point here is that memorial acts are likely to be more helpful and comprehensive and less influenced by the acute pain of grief if they are planned and enacted several weeks after the death has occurred. In some cases people themselves may have expressed a view of how they wish this to be actioned, particularly if they have been involved in planning events after their death – perhaps as part of end-of-life care planning in the context of palliative care for a progressive and incurable disease. The memorial can become something that is associated with emotional expression, as well as a way of communicating more widely about the legacy, meaning and impact of the person who has died. The proliferation of technology, social media sites and globalisation has resulted in a wider range of options and more accessibility in creating memorial for people. There are also an increasing number of companies that focus on supporting and enabling people to create memorials for people. There are also an increasing number of companies that focus on supporting and enabling people to create memorials through audiovisual media. You may want to think about looking at the memorials that other people have created for their loved ones, visiting these, gathering pictures, information and poems and then taking some time to create something of your own. In some cases you may never share this and it becomes something that is for personal reflection and use only. Taken from Living with complicated Grief by Professor Craig A. White, SPCK, 2013. Used by permission.

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A refuge in Columbia for rescued Street Children

One Mission Society, a registered Christian Charity, works internationally to spread the Gospel, show Christian love and compassion in many different countries. Through a donation in your will you will be partnering with us to: Spread the Gospel, train local Church leaders, assisting in humanitarian aid and medical work to give the underprivileged an education and hope through trust, sharing love and Faith in Jesus Christ.

An International School in Mozambique

Charity No SC042930

www.onemissionsociety.org.uk info-uk@onemissionsociety.org A refuge in Columbia for rescued Street Children 22

today

One Mission Society

RETIREMENT

(OMS)

ne Mission Society was founded in 1901 in Japan, as Charles and Lettie Cowman joined up with Pastor Juji Nakada to start a Bible School in Tokyo holding Christian evangelistic meetings for 2,000 consecutive nights. Before long, Japanese churches were organised, and the new association, the Japan Holiness Church (JHC), grew rapidly. From these small beginnings OMS, originally known as Oriental Mission Society, is now involved in six continents and around sixty countries, sharing the love of the Lord Jesus in whatever ways we see possible. In Mexico city we run a specialised ministry called MEFI for street children. This allows the young people who survive on the streets to come and learn a skill and leave their precarious existence and to be integrated into society. Another country that OMS is heavily involved with is Mozambique. It was a Portuguese colony until 1975 when the people gained independence, however they continued to suffer severely from civil war until the early 90â&#x20AC;&#x2122;s. Today, people in Mozambique still struggle

as a result of the war, poverty and injustice. Approximately 1.6 million Mozambicans are living with HIV and more than 90,000 of them are children. With 1.6 million orphans, 1 in 10 children die before they reach their 5th birthday. People with special needs, especially those with physical limitations, are among the most vulnerable groups. These are just some of the challenges. One family, The Kellysâ&#x20AC;&#x2122;, became OMS missionaries and they set up the Girassol Charity Shop in Antrim, Northern Ireland to support initiatives in Mozambique including the Helping Hands project, to transform lives and communities. One recent project was to ship out a container of wheelchairs from the UK to Mozambique to aid those with mobility problems. These are just a couple of examples of the work the OMS undertake in some of the most challenging areas of the world.

Please help us to continue our work by including a legacy in your will.

www.onemissionsociety.org.uk

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Let others happiness be your legacy

ield are one of Scotland’s largest providers of housing and services for older people. Our ‘Free to Be’ ethos seeks to enable people to make their own choices and live their own lives wherever possible.

As well as a home, we provide life-enriching services at many of our developments, often delivered by dedicated volunteers. From activities to bingo nights, from cinema trips to day trips, from fish and chip nights to craft clubs and musical events, we try to accommodate any request. Bield does not receive any government funding for these projects and they would not be possible without the generosity of our donors. Donations come from a variety of sources; Trusts and Foundations, sponsored events, people who give regularly and legacies. Legacies made to Bield are different to other donations we receive. Most grants and funds we receive need to be spent within certain time frames, on certain things. Legacies are not like this. Legacies give us time to plan how to best use the money for the maximum benefit to service users.

Gifts are often bequeathed to a specific development – maybe where the person has lived or had connections, or particular projects that they visited and enjoyed. Therefore those whom were close to the person are not only involved in planning how best the gift be used, but can ensure it will be a fitting tribute. This year, legacies have enabled us to continue and expand our small grants programme which improve tenants environment by funding items such as garden furniture, TV’s, bingo machines and art supplies. Others have paid for outings and events, meals and entertainment and celebration nights and even a tour and high tea at a stately home for 80. Such outings and events bring immense pleasure to our service users, making lasting memories. Leaving a gift in your Will is one way in which your generosity can truly live on and you will be remembered with great fondness. If you would like to find out more, please visit www.bield.co.uk or call Tel: 0131 273 4000.

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SCOTTISH VETERANS RESIDENCES Scottish Veterans Residences (SVR) is a Registered Scottish Charity established in 1910 in reaction to the sight of veterans sleeping rough on the streets of Edinburgh. SVRâ&#x20AC;&#x2122;s mission is to provide the best quality of support and accommodation to as many ex-Service men and women as possible who find themselves in necessitous circumstances for as long as that need is there. SVR provides high quality, supported accommodation for veterans who are homeless or in need in supported housing developments in Edinburgh, Dundee and Glasgow. We house ex-service men and women of all ages, from 22 year old veterans of the conflict in Afghanistan to 94 year old Second World War veterans. Whether in need due to poverty, advanced age, the effects of trauma or homelessness, SVR aims to ensure that our residents live with dignity and privacy in a warm, friendly community environment. We provide practical and emotional support where required and encourage our residents to live as independently as possible. Please help us to continue helping them by including a legacy to SVR in your will. Visit our website at www.svronline.org Legacy Legacy Yearbook Yearbook 2019 2017 page page 13 11

Legacy 2017:Legacy 2008

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With Children in Distress your legacy can change a life

The Legacy Yearbook All of of the the charities charities you you see see in in The The Legacy Legacy All Yearbook rely rely heavily heavily upon upon public public donations, donations, Yearbook please help help as as much much as as you you can, can, and and don't don't please forget when when responding responding to to advertisers, advertisers, forget please mention mention 'The 'The Legacy Legacy Yearbook'. Yearbook'. please Thank you you Thank

Grace and Compassion Benedictines 38/39 Preston Park Avenue, Brighton, E.Sussex BN1 6HG 38/39 Preston Park Avenue, Brighton, E.Sussex BN1 6HG Telephone: 01273 502129. Facsimile: 01273 552540 Telephone: 01273 502129. Facsimile: 01273 552540 Registered Charity Number: 1056064 Registered Charity Number: 1056064 Email: osb@graceandcompassion.co.uk Email: osb@graceandcompassion.co.uk Website: www.graceandcompassionbenedictines.org.uk Website: www.graceandcompassionbenedictines.org.uk Founded in 1954 by the late Mother Mary Garson for the care Founded in 1954 by the late Mother Mary Garson for the care of the old and frail, we run care homes in England and wide of the old and frail, we run care homes in England and wide ranging services in India, Sri Lanka, Kenya and Uganda. The ranging services in India, Sri Lanka, Kenya and Uganda. The Benedictine family comprises Sisters, lay staff and volunteers, Benedictine family comprises Sisters, lay staff and volunteers, and the elderly, sick and poor of all denominations. and the elderly, sick and poor of all denominations. Your legacy could help us do so much more! Your legacy could help us do so much more!

The work of the Congregation is inspired by the conviction of the The work of the Congregation is inspired by the conviction of the foundress Mother Mary Garson OSB that the frail and elderly need foundress Mother Mary Garson OSB that the frail and elderly need not only a comfortable environment but a loving family home where not only a comfortable environment but a loving family home where respect for their dignity and independence is recognised. respect for their dignity and independence is recognised. Overseas the work has been broadened to include the poor and the Overseas the work has been broadened to include the poor and the sick of all ages, with clinics, hospitals, school of nursing, adult sick of all ages, with clinics, hospitals, school of nursing, adult education, nursery/primary education. education, nursery/primary education. The Sisters and their lay helpers are sustained by prayer and strong The Sisters and their lay helpers are sustained by prayer and strong faith and love for those for whom they care. faith and love for those for whom they care.

Your legacy legacy could could help help us us do do so so much. much. Your

Little Sisters of the Poor Provincial Residence: Provincial Residence: St Peter’s Residence, St Peter’s Residence, 2A Meadow Road, London, SW8 1QH 2A Meadow Road, London, SW8 1QH Tel: 0207 735 0788 Tel: 0207 735 0788 www.littlesistersofthepoor.co.uk Email: mp.lond@lsplondon.co.uk

LITTLE SISTERS OF THE POOR

For more details please contact Mother Provincial Little Sisters of the Poor Provincial House, 2A Meadow Road, London SW8 1QH Tel: 020 7735 0788 Email: mp.lond@lsplondon.co.uk

www.littlesistersofthepoor.co.uk www.littlesistersofthepoor.co.uk

of the Poor Registered Charity No. 234434 Registered Charity No. 234434

www.littlesistersofthepoor.co.uk

The Little Sisters of the Poor is a Congregation within the Catholic The Little Sisters of the Poor is a Congregation within the Catholic Church which is dedicated to the service of the elderly poor, Church which is dedicated to the service of the elderly poor, regardless of nationality, or creed. Founded in France in 1839 by regardless of nationality, or creed. Founded in France in 1839 by Jeanne Jugan, established in Britain in 1851, our hospitaller work is Jeanne Jugan, established in Britain in 1851, our hospitaller work is carried out amongst the aged in 31 countries on five continents, carried out amongst the aged in 31 countries on five continents, with 12 Homes in Britain and Ireland. with 12 Homes in Britain and Ireland. Within the complex of our Homes, some of which include sheltered Within the complex of our Homes, some of which include sheltered accommodation, we offer the opportunity to the elderly of the accommodation, we offer the opportunity to the elderly of the neighbourhood to share in the Home’s facilities. There is also the neighbourhood to share in the Home’s facilities. There is also the possibility for families of modest means to avail of our respite possibility for families of modest means to avail of our respite care service. care service. In providing total care we believe in enabling the Residents to fulfil In providing total care we believe in enabling the Residents to fulfil their physical, social, emotional and spiritual needs. We have their physical, social, emotional and spiritual needs. We have at heart to recognise their dignity, desire of being respected, at heart to recognise their dignity, desire of being respected, esteemed and loved and their longing to feel themselves useful. esteemed and loved and their longing to feel themselves useful. With your help we wish to respond to their need for companionship, With your help we wish to respond to their need for companionship, security in health as in sickness, until their natural death, security in health as in sickness, until their natural death, in a family atmosphere. in a family atmosphere.

Legacy Yearbook 2019 2017 page 15 13 Legacy Legacy Yearbook Yearbook 2017 page page 13

Thank you you for for your your support. support. Thank

Legacy Yearbook 2019 page 16

Bransby Horses

Over Five Decades of Horse Rescue

n 2018, Bransby Horses celebrated 50 years of dedicated equine rescue and welfare work. Founded in 1968 by Mr Peter Hunt, Bransby Horses is now one of the UK’s largest equine welfare charities, currently caring for more than 400 animals. Thanks to public donations and gifts in Wills, the Bransby Horses has helped thousands of horses, donkeys and mules over the last five decades. The charity regularly cares for equines with complex needs, such as those that are elderly, unhandled or have multiple medical issues. This care is provided around the clock and dedicated staff often leave their beds in the night to tend to sick animals. The successful ‘Friend for Life’ rehoming scheme offers rehabilitated horses a carefully selected foster home, whilst remaining under the charity’s legal ownership. The rehoming scheme makes space at the charity for more neglected equines in need of help. For those horses that cannot be rehomed, they remain at Bransby Horses in a safe haven and receive a lifetime of sanctuary care.

Emerald before

2016 - Emerald When Emerald arrived at Bransby Horses in 2016, it was touch and go as to whether or not she would survive. The dedicated team at the charity cared for Emerald around the clock, lifting her by hand with a special harness every few hours, until she had the strength to stand alone. Thankfully, after months of intensive care Emerald has no recovered from the terrible cruelty she endured. Bransby Horses is eternally grateful to its supporters who funded Emerald’s care and to the RSPCA for their assistance with Emerald’s rescue and for prosecuting her owner.

The need for equine rescue and welfare work shows no sign of decreasing and sadly abandonment, cruelty and neglect are not issues from days gone by.

1978 - Henry and Edward In 1978 Henry and Edward arrived in an emaciated state when their owner asked for help due to problems sourcing forage and suitable grazing. Both horses soon gained condition and were well enough to join the rest of the herds at the charity, following correct feeding and care. Emerald now safe and well in charity care

How you can help Your continued and valued support is vital to the long term future of Bransby Horses. If you would like to help those horses, donkeys and mules which so desperately need our help, please contact our Legacy Officer Debbie Hall, on 01427 788464 or email: legacyofficer@ bransbyhorses.co.uk for a free Leaving a Legacy pack. Thank you, we really do appreciate your support. For further information please contact Bransby Horses on 01427 788464 or visit www.bransbyhorses.co.uk. Legacy Yearbook 2019 page 17

THE BENEFITS OF LEAVING A LEGACY BY

ALASTAIR WALLBANKS

he thought of sitting down and making your Will is a

subject that many people, understandably, shy away from because of the somewhat macabre connotations associated with the process.

However, for a great number of reasons, it is something we should all consider. Making a Will gives the testator the opportunity to have his or her estate disposed of in such a manner as to perhaps reflect the way in which they lived and would like to be remembered, for example by leaving a legacy to charity. The great majority of charities rely heavily, some entirely, on donations and bequests left in peoples Wills. American entrepreneur and author, Jim Rohn, said, “All good men and women must take responsibility to create legacies that will take the next generation to a level we could only imagine.” One way to achieve that I believe is to leave a legacy or gift to a charity. This is tax free and can reduce the amount of tax you pay on your entire estate. It is also an excellent way of leaving something to a charity you have supported in your life time and an easy method of providing long term support for that charity after you’ve gone. As previously stated, leaving a legacy to charity can have a number of benefits, from the selfish point of view it can save you paying Inheritance Tax. There is nothing illegal in avoiding Inheritance Tax, (IHT) in fact there are several ways to quickly reduce your potential liability which are perfectly acceptable to the Capital Taxes Office (the Government department responsible for collecting Inheritance Tax). Then, from the altruistic point of view it can be of enormous

benefit to your chosen charity. 74% of the UK population support charities during their lifetimes, and when asked, 35% of people said they’d happily leave a gift in their Will once family and friends had been provided for. (Source - The Jonas Centre). Also, research by “Remember a Charity” campaign has shown that almost 70% of the general public regularly give money to charity during their lifetime, but just over 4% leave a charitable donation in their will, consequently because legacies to charities are exempt from inheritance tax, your entire gift will go directly to the charity of your choice. On your death your estate will be valued for Inheritance Tax, many people may be liable to IHT without realising it. If due, IHT must be paid before probate, that is before anything left in your Will can be distributed. The current threshold above which you will be liable to pay this Tax is a 40% charge on any assets above the nil rate band, which is your personal allowance. This allowance currently stands at £325,000 per person, meaning that if on your death, your estate is less than £325,000, you will not pay Inheritance Tax. You may well then ask, “why not just give everything away so that your estate is below the threshold”? There are gifts you can make during your lifetime, known strangely enough as Lifetime Gifts, which are not taxable and can reduce your estate therefor are worth considering. Conversely there are other gifts which can be caught under rules aimed at stopping people giving away everything shortly before they die to avoid Inheritance Tax. More information on this topic can be found on the web site GOV.UK. Only one in three donors part with their cash tax effectively. There

Legacy Yearbook 2019 page 18

Gift Aid on most donations, but there are some payments which don’t qualify. In certain circumstances, some payments made to charities which are not strictly gifts, like membership subscription paid to a charity, may be treated as donations for Gift Aid purposes. If any donor or person connected to the donor benefits significantly from their donation, it doesn’t qualify for Gift Aid. There are a number of different ways you can leave a legacy or gift in your Will. There is a residuary gift where you choose to leave a share or the whole of whatever is left in your estate after all other payments and legacies have been made, or a pecuniary bequest which is a cash gift where you choose to make a gift of a fixed amount of money to a charity. Unfortunately the value of pecuniary legacies decrease over time, as the cost of living increases. Then there is a specific legacy which is where you choose to leave a particular asset to a charity in the form of property, or a personal possession. Another form of legacy is a contingent gift. This is a donation which has certain conditions attached. For instance the donation to the charity may only apply if other beneficiaries named in the will die before the testator, that is the person making the will.

are a number of ways in which you can be more cost effective when donating to charity, for instance if you pay tax in the UK you can give the charity of your choice a simple Gift Aid declaration this allows the charity to reclaim the tax on your gift. The manner in which Gift Aid works is, the Charity takes your donation, money on which you’ve already paid tax, and then reclaims the tax on its ‘gross’ equivalent, that is its value before tax was deducted. This will guarantee that if you give £10 to a charity using this scheme, the gift is actually worth £12.82 to the charity. Donating through Gift Aid means charities and community amateur sports clubs (CASCs) can claim an extra 25p for every £1 you give. It won’t cost you any extra. Charities can claim

There are a number of lifetime gifts which are exempt under the current tax rules which means that you won’t be charged Inheritance Tax on any gifts which fall within these rules. For example gifts between a husband and wife or civil partners resident in the UK. Gifts to UK charities can also cut the percentage of Inheritance Tax if you leave at least 10% of your estate to a charity in your will. You can normally avoid Inheritance Tax altogether if you leave everything to your spouse or civil partner, a charity or a community amateur sports club. To be philosophical about it, as Benjamin Franklin once said, “If you would not be forgotten as soon as you are dead, either write something worth reading or do something worth writing.” The recurrent theme with all legacies is that their importance in the form of gifts to charities cannot be over stated, they are absolutely crucial to their on-going survival. A legacy no matter how small or substantial will make a real difference to a charity.

Legacy Yearbook 2019 page 19

Help end the need for animal testing in medical experiments FRAME (Fund for the Replacement of Animals in Medical Experiments) is working hard to eliminate the need to use laboratory animals in any kind of medical or scientific procedures.

in significant ways, FRAME uses an in vitro skin model which allows close investigation of how lipids are absorbed into the skin. This has the potential to help study topical creams that improve health.

FRAME was founded in 1969 by Dorothy Hegarty, an animal lover who found the arguments of the anti-vivisection societies too simplistic and unlikely to achieve their purpose.

In another example, FRAME is using alternative liver models which are being used in a major research collaboration researching drug induced liver injury, a rare disorder that can cause death.

So she formed FRAME, a charity dedicated to promoting more reliable non-animal methods of medical research.

FRAME Alternatives Laboratory In 1991 the FRAME Alternatives Laboratory was launched. Based at the University of Nottingham, its aim is to produce human-based systems that are better and more relevant to humans than current animal models.

Reform of Animal Experimentation Law FRAME was closely involved with animal welfare legislation which resulted in the Animals (Scientific Procedures) Act 1986. This legislation gave the UK what is still one of the most advanced frameworks for the protection of laboratory animals.

FRAME alternative models FRAME uses human cells to develop models that can be used in drug testing and disease investigation. For example, rather than using mouse models, which are questionable because mouse skin differs from human skin

Cosmetics testing FRAME played an instrumental role in the complete ban on the sale of cosmetics developed through animal testing, which took effect in the EU in March 2013. The ban applies to all new cosmetics and their ingredients sold in the EU, regardless of where in the world testing on animals was carried out. FRAME is now working towards a ban on using animals for cosmetics testing in China and other parts of the world where the practice still takes place.

More in the pipeline In addition to the research being carried out in the FRAME Alternatives Laboratory, FRAME is planning a summer studentship programme and a major symposium, both aimed at helping the scientists of the future to understand the importance of the 3Rs for all types of scientific research, education and testing. For more information on FRAME visit: www.frame.org.uk or call 0300 030 1016.

You canâ&#x20AC;&#x2122;t teach an old dog new tricks.

But you can teach a scientist.

Help FRAME to find a better way than animal experiments. There is no worldwide agreement that protects the welfare of animals involved in research and testing. FRAME is an independent charity dedicated to the development of new and valid methods that will remove the need for laboratory animals in medical and scientific research, education and testing.

Gifts of any size, small or large, will help FRAME find better methods. FRAME receive no funding from central or local government and rely on gifts and legacies to carry out our vital work. We are grateful for every gift, however small.

Please remember FRAME in your will. For more information visit frame.org.uk/support-us/legacies or call 0300 030 1016

Legacy Yearbook 2019 Experiments page 20 FRAME Fund for the Replacement of Animals in Medical Registered charity no: 1176266

Your Legacy Will...

...Help Us Help Them

For over 35 years, Tiggywinkles,

one day there are between 1000 and 1700

wild animals.. This number increases

The Wildlife Hospital Trust, has been

animals in our care and medical expertise

steadily as more people become aware that

treating, saving and rehabilitating sick,

available. Being a unique hospital we are

injured wildlife can be helped.

injured and orphaned British wild animals

conscious of the fact that the ground

and birds. From hedgehogs to otters, from

breaking discoveries we make are of benefit

sparrows to red kites, no creature is ever

to wildlife everywhere – as we pass on

turned away or needlessly put to sleep –

information and nurture rehabilitators world-

and every creature is treated free of charge.

wide. Incidentally, it may also be interesting

Our prime directive is to get all our patients

to learn that our hospital helps people of all

back to the wild and our team of veterinary

abilities to obtain job skills and worthwhile

specialists and over one hundred dedicated

educational qualifications, whilst they help

volunteers will never lose sight of this.

us care for our patients. In 1991, our

We treat more wild animals than any other UK centre and every donation and legacy has an immediate and important impact on our world leading hospital. With financial help we could do so much more. We rely on the compassion of caring individuals like you. To give an idea of how many patients are saved by our committed team, on any

purpose built teaching hospital at Haddenham, near Aylesbury, the first of its kind in Europe, was opened by Princess Alexandra and since its inception, Tiggywinkles has cared for hundreds of thousands of sick, injured and orphaned

It is clear that the work of Tiggywinkles must go on. Have you ever had that helpless feeling on seeing an injured wild bird or animal and not knowing who can help? We can help that casualty and YOU can help Britain’s injured wildlife by remembering Tiggywinkles in your will. We desperately need your support. Your gift can also come in the form of a donation or by becoming a member.

Thank you for considering us your support would be appreciated so much.

PLEASE HELP US HELP THEM.

LegacyYearbook Yearbook 2019 2017 page page 21 21 Legacy

LORD WHISKY SANCTUARY FUND The Lord Whisky Sanctuary Fund saves, and gives sanctuary to, a wide range of animals including equines, dogs, cats and smaller animals. Also injured and orphaned wildlife are taken in, nursed back to health and released to the wild wherever possible. No healthy animal is ever destroyed. The Lord Whisky Sanctuary Fund runs a mobile veterinary clinic, as well as two Veterinary Clinics for people on low income and has a low cost neutering programme. The Fund relies entirely on donations and legacies, without which our work could not continue. For further details write to: Mrs M. Todd MBE Lord Whisky Sanctuary Fund, Park House, Stelling Minnis, Nr. Canterbury, Kent CT4 6AN Telephone: 01303 862622 their living so however dedicated they may be in animal welfare, the charity has to pay them a living wage or risk losing them to other forms of employment.

So just how do these animal charities that do some sterling work all over the country survive? The answer is most will tell you they heavily rely on work done and income raised or donated by a loyal group of ‘friends’ and ‘supporters’.

A will is the way to leave a forever gift Animal charities need your help!

legacy is one of the ways of making sure your love of animals makes a difference beyond your lifetime. We look at how a legacy, however small, can make a significant contribution, ensuring your love and affection for animals can be continued by another generation. Charitable organisations work silently and constantly purely for the benefit of others and although donations are welcomed by most charities, it is legacies that really can make a difference. To just survive another day is a constant struggle, with many charities working for animal welfare still fighting for every penny they can lay their hands on. With the current economic climate, whereby people are struggling to keep their houses and often families are breaking up, it can be impossible for people to keep their pets. Others, for many reasons, cannot afford the up-keep of pets and therefore more and more animals are being abandoned or taken to animal sanctuaries. There is often no certainty for charities that the next month’s rent on property, accommodation, or stables can be paid. The weekly food bill alone for resident animals at a sanctuary can be counted in thousands every week. Add, on top of that, the cost of staff, veterinary fees, surgery, hospitalisation and medicines, the list is endless. Some charities are fortunate in owning or having had bequeathed properties that are home for both the animals and the administration. But, as every house owner will know, the upkeep of any building will, in itself, cost a small fortune. Most animal homes and sanctuaries rely on their full time members of staff, whose training is essential, to look after the sick or injured animals. Being full time usually means that this is how they earn

Funds are also needed to help animal organisations in their research work, to improve diagnosis, treatment and prevention of disease and injury in animals, enabling them to live happier, healthier lives. Being an animal lover you may at some time have had to have a much loved pet operated on and will appreciate the importance of ensuring animal hospitals remain at the forefront of veterinary medicine and vital up-to-date equipment is at hand, to provide care to thousands of sick and injured animals every year, as well as the training of veterinary personnel. We would be churlish, to say the least, if we didn’t state that money is what it’s all about, after caring for the animals, that is. But without that so vital ingredient, the loving care that all charities give to every resident animal, or the continuation of research develop, or the conservation of wildlife, would be impossible. Although it’s a subject many people don’t like to deal with, it is essential to keep your affairs in order. A legacy in a Will left to your favourite animal charity will ensure your love and affection for animals can be continued by another generation. Charitable organisations work silently and constantly purely for the benefit of others and although donations are welcomed by most charities, it is legacies that really can make a difference. Leaving even a little money to a charity, after taking care of loved ones, can make a vast difference. Of course, family and loved ones should always come first, but donations to charity in wills can sometimes mean your family avoids paying inheritance tax on your estate, as a legacy to charity is a tax-free gift, which means the charity receives to full value of the gift. By contributing in this way everyone benefits – the charity by receiving the gift and the donor because legacies are not subject to Inheritance Tax. It’s not just the rich and wealthy that leave money to charity when they die. Anyone can leave a legacy to charity however big or small. What matters is the end result, which is playing your part to help the good work live on, as without the gifts left in wills many of the charities we know and support today would not even exist.

LegacyYearbook Yearbook 2018 2019 page page 24 22 Legacy

Will you remember the horses at Redwings Horse Sanctuary? Redwings Horse Sanctuary believes that every horse, pony, donkey and mule has the right to a happy and healthy life, free of fear and neglect. The charity rescues neglected and abandoned equines from all over the country, giving them a safe place to live and providing essential veterinary treatment, rehabilitation therapies and lifelong care. Indeed, the charity currently provides daily care for over 1,500 rescued residents, making Redwings the UK’s largest horse sanctuary. As well as providing a place of sanctuary to rescued equines, Redwings is also responsible for 450 horses and ponies under its Guardianship Scheme. The Redwings Guardianship Scheme is devoted to finding a home for those horses that have the potential to lead a happy life outside the Sanctuary. The charity currently rehomes to East Anglia, Hertfordshire and Buckinghamshire, but will shortly expand its reach into Central England with the construction of a brand-new rehoming centre at its Oxhill visitor centre in Warwickshire. This vital development has been funded with help by kind gifts left in Wills and will provide space at the Sanctuary so the charity can help even more horses in need.

Redwings is 100% funded by public donations and every donation helps the charity help horses in need. In addition to giving every equine the opportunity for lifelong sanctuary care, Redwings has visitor centres around the UK that provide homes for its residents, as well as hosting the charity’s educational work. As well as Warwickshire, centres can be found near Harlow in Essex, Aylsham and Caldecott in Norfolk and Forfar in Angus, Scotland, which are all free to enter. Here visitors have the chance to meet some of the rescued horses and donkeys, hear their stories and find out more about the importance of equine welfare. Gifts in Wills make up the largest proportion of Redwings’ income and the charity simply wouldn’t be able to function without them. Remembering Redwings Horse Sanctuary in your Will is a wonderful way to support the charity’s work and leave a lasting legacy that will help them to help horses, ponies, donkeys and mules for generations to come. Whether your gift is large or small, every donation makes a real difference to the future of Redwings’ residents. To remember Redwings in your Will, call 01508 481030 or email legacies@redwings.co.uk

Legacy Yearbook 2019 page 23

National Animal Welfare Trust (NAWT)

ifts in Wills provide a lifeline for NAWT and are vital in keeping their centres running so they can continue to help homeless animals.

Animals like Hector, who arrived at NAWT with burns all over his body. Poor Hector’s wounds were some of the most severe they had ever seen and appeared to have been caused by hot oil. Over the next few months, NAWTs Animal Care team soothed Hectors wounds with a prescribed cream, and bandaged and re-bandaged him regularly to keep the wounds clean and protected in order to heal. They bought Hector baby jackets to wear over his bandages and gave him the time

he needed to heal, until eventually the wounds closed. Meanwhile, Hector’s regular visits to the vet saw her falling for his charms. When Hector was ready to be rehomed, his vet had to have him and offered the lovely little cat, who had stolen everyone’s hearts, a loving home. Hector is just one of the 1,200 animals NAWT rehome each year, all with their own unique story. None of this work would be possible without the support of the animal-loving public and the gifts people kindly choose to leave NAWT in their Wills. Any gift, big or small, can make all the difference to a scared, homeless animal like Hector.

Legacy Yearbook 2019 page 24

Catastrophes Cat Rescue Catastrophes Cat Rescue was set up through our involvement in animal welfare campaigning in the ‘70’s and as we became established and our “no-kill” policy became known our work increased dramatically. Many of the cats have been abandoned or are simply in need of a new home because of a change in people’s circumstances. Some have been ill treated. They are all in need of love and care. Our aim has always been to help any cat regardless of age, temperament or behaviour problems, be they wild or tame. Consequently we tend to get desperate calls for help for elderly, feral and ‘difficult’ to re-home cats. In order to meet these needs we have had to become a sanctuary as well as a cat rescue and re-homing organisation. The cats in our care are given a high standard of veterinary care and we strongly believe in spaying and neutering as a responsible part of pet ownership. The cats that are difficult to re-home are given the chance to live out their days in a peaceful

home environment with the freedom of the country garden that surrounds the sanctuary. Our work with feral cats involves spaying and neutering complete colonies and giving any necessary veterinary treatment. Feral cats are returned to their site of capture if long-term food and shelter can be provided. If not, they are relocated to a suitable farm or country home or have a home for life with us with complete freedom once they have settled in. We believe every cat deserves a chance to have a safe, caring and peaceful place to live and enjoy the rest of their lives. Its surprising how often the most seemingly unfriendly and so called ‘spiteful’ cat that arrives hissing, spitting and lashing out, or has the most difficult and anti-social habits and behaviour, can change with love, care and lots of patience. Catastrophes believe that every life saved is worth the effort it takes and with your support more cats in need will have a bright future.

Catastrophes Cat Rescue For further information: Contact Liz Varney Half Moon Cottage, Bakers Lane, Dallington, Heathfield, East Sussex, TN21 9JS Tel. 01435 830212, Fax 01825 768012, Email: lizzie@catastrophescats.org Visit us on Legacy Yearbook 2018 page 22 Legacy Yearbook 2019 page 25

THE

LEGACY YEARBOOK

Contents Features:

Charities

4 No one is immortal

IFC Bield Housing Trust

Preparing for the end of life is something few of us are comfortable thinking or talking about, whether it is our own life or that of a loved one. However, thinking about the issues involved and compiling information beforehand can save someone’s family huge amounts of angst.

MS Research and Relief Fund

British Wireless for the Blind Fund

11 One Mission Society 8 Update

13 Chest, Heart & Stroke Scotland

Apathy is stopping people writing a Will, according to new research; Millennials want more from pensions; England the ‘poor man’ of group of developed countries when it comes to funding care for older people.

13 Scottish Veterans Residences 14 Friends of the Elderly 14 BREAK

10 Creating a Lasting Memorial If you have lost a loved one and have thought about creating a lasting memorial, read about how to go about it and suggestions of what you can do.

15 Grace and Compassion Benedictines 15 Little Sisters of the Poor 16 Bransby Horses

18 Benefits of Leaving a Legacy

20 FRAME

There are a great number of reasons for making a will. Alastair Wallbanks takes a look at why making a will is so important and how charities can benefit from leaving a legacy in your will, however small.

21 Tiggywinkles Wildlife Hospital 22 Lord Whisky Animal Sanctuary 23 Redwings Horse Sanctuary

22 A will is the way to leave a forever gift – Animal charities need your help Although donations are always welcomed, a legacy is one of the ways of making sure your love of animals makes a difference beyond your lifetime. A legacy ensures your love and affection for animals can be continued by another generation.

National Animal Welfare Trust

25 Catastrophes Cat Rescue IBC Pain Relief Foundation OBC Able Community Care

To advertise your charity in the next Legacy Yearbook please email info@amramedia.co.uk Legacy Yearbook 2019 page 26

Legacy Yearbook 2019 page 27

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RETIREMENT

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