An ideal time to refinance ?

Paul Trickett, BDM at West Kirby based Bathgate Business Finance, is working with several lenders who can refinance long-term personal professional loans and commercial loans in the legal sector.

Paul has been exploring the opportunity afforded by some lenders who are tackling rising interest rates by offering customers with long-term loans a penalty-free option to repay or refinance early and secure fixed rate finance. Long-term loans are common in the legal sector, particularly to support acquisitions or buying in or out of a firm. Many are 10-year facilities, which given rising interest rates have likely provided a financial challenge for those on variable rates. Some lenders are now tackling rising interest rates by offering customers with long-term loans a penalty-free option to repay or refinance early and secure fixed rate finance.

Considering increasing interest rates, some providers have decided to offer their existing customers the option to either pay off their loans or refinance early, so they can secure a fixed term loan facility with another provider that will allow them to better budget for monthly payments. Paul said: “From the current lenders’ perspectives, this kind of offer will allow them to get outstanding debts in more quickly, and foster goodwill and loyalty with customers, by offering a penalty-free option to refinance and bring stability to cash flow. For customers being offered the ‘out’ it represents an opportunity to review finances and secure a fixed term loan that will bring security and stability and insulate them from any further sudden rises, giving peace of mind in challenging economic times.”

To discuss your options, contact Paul Trickett on 07469 140 180 or

Email: [email protected]

 

 

 

 

 

 

Liverpool live radio is thrilled to announce the launch of a groundbreaking new radio show

“IN MY SHOES”

 Co-hosted by Nat & Paul, In My Shoes is an engaging show that will captivate audiences with its unique and compassionate approach to storytelling.

The first airing of this great new show was broadcast on Sunday July 30th and will air every Sunday from 10pm on Liverpool Live Radio.

“In My Shoes” is not your typical radio show; it’s a transformative experience designed to promote empathy, understanding, and inclusivity. Each episode will take listeners on a compelling journey into the lives of individuals from diverse backgrounds and experiences. Through authentic and personal interviews, the show aims to bridge the gaps between different communities, fostering a greater sense of unity among our listeners.

The co-hosts, Nat & Paul are seasoned storytellers, known for their ability to delve into the heart of people’s experiences, making the show a truly moving and enlightening experience. “In My Shoes” will cover a wide array of topics, from personal triumphs and challenges to cultural heritage and social issues. By sharing real-life stories, the show intends to break down stereotypes, challenge prejudices, and open up honest conversations about the human experience.

The first broadcast of the show was timed to air during Liverpool’s Pride Celebrations, and Nat & Paul discussed the topic of The Art of Painting on a Smile with Tom Barrie, a trained actor, event host, Drag Queen, Drag wedding celebrant and someone who is living with the impacts of a life changing health diagnosis.

“As a society, it is essential that we strive to understand and connect with one another on a deeper level and Liverpool Live Radio provides us with the perfect platform to do this” said Nat. Co-host Paul adds, “Through this radio show, we aim to create a safe and welcoming space for people to share their stories, learn from one another, and cultivate empathy, ultimately leading to a more compassionate and united community.”

The team at Liverpool Live Radio is excited to welcome “In My Shoes” to its roster of diverse and thought-provoking programming. As a community-driven radio station, Liverpool Live Radio is committed to bringing meaningful content to its listeners and believes that “In My Shoes” will undoubtedly leave a lasting impact on the hearts and minds of its audience.

Listeners can tune in to “In My Shoes” on Liverpool Live Radio via DAB+, ALEXA, online and on Freeview TV.

For more information about “In My Shoes” please contact Nat & Paul at nat&[email protected]

For more information about Liverpool Live Radio please contact [email protected]

 

Move networking organisers toast 4th birthday

A new evening South Liverpool ‘networking’ walk in Sefton Park, which began last week courtesy of the acclaimed MOVE Netwalking, has been deemed a big success, with a second event to follow  this coming Wednesday 19th July.

Wednesday’s event is part of MOVE Netwalking’s continuing celebrations for its fourth birthday, having helped many companies with introductions to others in business and kept people in good shape too.

Founders Mark Waldron and Andrea Edwards established the company four years ago after acknowledging the value of  walking, nature and ‘Netwalking’ as they call it.

Joel Jelen, who runs multi-sector pr & marketing outfit Wellbeing Ubiquity and breathing education business SniffSighYawn.com, is collaborating on their new weekly evening Netwalk. He said: “Lasting around 60 minutes, all those who sign up take part at a reasonable walking pace in between sauntering and power walking and networking…basically socialising! Afterwards, we all  gather at local café Milo Lounge in Lark Lane to complete the evening with some quality conversation in a convivial atmosphere.”

Mark added: “We had a great turnout last week and we have had so many good stories already about the benefit of taking part!

Lesley Martin-Wright, chief executive of Knowsley Chamber of Commerce enthused: “It was just a perfect evening in an iconic setting. Thank you!”

Another of the Move Netwalkers, Jade Ainsworth, a model and influencer who also owns www.houseofglitzandglamour.co.uk, said: “I’ve had lots of interest after posting about the event from friends and followers alike and I’ll definitely be returning this week.”

https://move-online.co.uk/netwalking/

Daisy inclusive uk is overwhelmed with positive feedback

A small, award-winning charity hoping to expand its services supporting disabled and vulnerable people across Liverpool received plaudits from Government Minister and Parliamentary Under Secretary of State for Sport, Tourism, Heritage and Civil Society Stuart Andrew MP and National Lottery CEO David Knott following their recent visit to Liverpool.

The Anfield-based organisation, the brainchild of CEO Dave Kelly after he went blind almost overnight more than 30 years ago, put together the EuroMist Games day of sport with teams representing Great Britain, Ukraine and Germany. The day was dedicated to highlighting Daisy’s work in the field of disability, sport, diversity and inclusion.

Dave Kelly said: “It was an absolute pleasure meeting both Stuart and David. They were so approachable and easy to engage with in what was a very relaxed environment and a great showcase of the essential work that Daisy Inclusive delivers in supporting disabled and vulnerable people in our community.

“Perhaps most satisfying was their genuine words of encouragement and approval of what we do. Their feedback really highlighted Daisy’s continued need for support too.”

Activities for the EuroMist Games included wheelchair basketball and a Blind Football Penalty shoot-out, with teams from the likes of Daisy Inclusive UK, InterStellar Global,  Your Voice Your Choice, Onward Homes, LFC Foundation and Liverpool Life Rooms all participating.

Mr Andrew summed up what Dave Kelly and the whole Daisy Inclusive UK team wanted to hear: “It is amazing, you are a charitable community organisation that knows your community and the needs of the people and that’s what makes it tick for me. Supporting small charities is a passion of mine and we need to see what else we can do, thank you for what you do, it’s fantastic work.”

As well as ‘Inclusive Sport’, Daisy offers a range of activities including Socials and Disability Hate Crime initiatives, including Report and Support, Education and Employment.

Dave Kelly concluded:  “The EuroMIST was basically our regular Merseyside Inclusive Sports Tournament Games with a Eurovision slant. They empower organisations to support people with disabilities. We use Inclusive Sport too using ‘Reverse Inclusion’, where activities are designed with disability in mind and then include the non-disabled.”

www.daisyuk.com

 

Sampson security ahead of the workplace wellness curve

Liverpool-based Workplace Wellness and ESG company Sniff Sigh Yawn, which runs a mix of showcases from interactive workshops, masterclasses, on and off-site events and one-to-one consults in person and face-to-face, has begun its latest project with new client, Samson Security.

Samson Security has its HQ and command centre based in Wavertree and the acclaimed security solutions business is keen to continue its ongoing commitment to team wellbeing which the company began long before workplace wellness became a trend.

Samson Security’s Andie Fessey said: “We recently had an amazing session with some of the team and Joel Jelen from Sniff Sigh Yawn. I can highly recommend his work and we’re already trying his techniques. We are all looking forward to his next visit.”

Joel, a well known wellbeing advocate across Merseyside, believes companies like Samson Security have been setting the tone for the way forward in ESG and workplace wellness.

“I know from speaking with Andie and members of the team that Samson Security are a fine example of how progressive companies working in the corporate and SME space can help provide a genuine level of care for their people through implementing wellness initiatives.

“Many of the companies i’m meeting now acknowledge that there is a direct correlation between having workplace wellness plans in place and their ability to retain staff, enhance productivity, performance and profit.”

sniffsighyawn.com

samsonsecurity.co.uk

 

June 2023

Split perspectivz receives government poits of light award

Recognition for three-year child mental health campaign from Prime Minister

Two award-winning authors and child mental health campaigners have received recognition from the Prime Minister this week for their CIC Split Perspectivz’s work on the Builder Book programme and its positive impact on child mental health.

The award comes following a three-year campaign that has been acknowledged by the Department for Culture Media and Sport, which supports the Prime Minister with the Points of Light award, a cross-party programme supported by all MPs which recognises an outstanding individual volunteer, charity leader or community champion for the positive change they are making for their community.

The award to Split Perspectivz was announced on Friday 12th, May,and Natalie Reeves Billing, who along with business partner Jude Lennon, has been heavily involved with Eurovision, distributing thousands of Builder Book education packs around the city, said:

“This is a pivotal moment for us. Having the prime minister write to you personally thanking you for your work and having this published nationally on a government website almost left us both lost for words when he heard!

“We’ve delivered more than 23,000 Builder Book Boxes to date across the Liverpool City Region, featuring learning resources to help children develop reading and creativity skills.

“We founded the community interest company ‘Split Perspectivz’ in 2020 to help foster reading and creativity as part of education. From this, we created the ‘Builder Book’ learning resource boxes, working both locally and collaboratively to make boxes free and accessible to children most in need of them.  The boxes are assembled by a team of volunteers before being distributed to schools, community centres, parent groups, and town halls. With a variety of boxes available, they focus on learning and play for key stages 1 and 2, with materials for children to read, draw, build, sketch, talk and laugh. The award really is testament to everyone on our team which includes all our wonderful, enthusiastic volunteers, loyal collaborators and partners that have helped in making this all happen.

“We’ve been running additional local community projects Liverpool City Region-wide to celebrate Eurovision, including children’s workshops, creating the song ‘Together’ that children can dance along with, and producing a Eurovision magazine.

“We have been working with Ukrainian Interior designer Anna Troian as well as creating and delivering workshops for the Ukrainian community distributing packs to 3,000 children in the city, with a downloadable version available on our Split Perspectivz’s website. These include resources and fact sheets about different countries, with a focus on Ukraine and building empathy with refugees to fully involve families in the run-up to the event.

Both Natalie and Jude (pictured above) have been invited ahead of the announcement on Friday, to Downing Street on Wednesday 10th May to celebrate Eurovision with the Prime Minister.

Natalie is also the Primary Ambassador of ‘The Boat of Hope’, a child mental health campaign. The campaign founder, Bernie Hollywood OBE, from Liverpool, completed an incredibly brave, life-endangering solo row across the Atlantic, covering 3000 miles in 90 days on a boat filled with artwork and words of children across the UK. Natalie has written the official accompanying picture book with all sales going towards the campaign and creating a space for young people to talk.

Split Perspectivz is currently working alongside Connected Places Catapult on a national inclusive innovation project aimed at primary school children to allow children to harness their creativity and use it in the course of their working lives.

Pictured from left, Natasha Ellis, Rebecca Christian, Anna Troian, Natalie Reeves Billing, Jude Lennon.

Why every company needs a workplace wellness strategy

I was recently asked in a presentation that I gave on resilience at work what were the most popular areas of breathwork I’ve delivered in the past.

For 6 years since beginning Sniff Sigh Yawn, which also mirrors what I’ve taught prior to 1995, the questions include the following; breathwork for better sleep, breathing for movement/exercise/resistance training, overcoming hyperventilation syndrome, recovering from asthma, and wellbeing in the workplace to build resilience.

It’s on the latter that I’ve had the broadest interest, which is why I’ve been focusing on it since 2022, with regards to a business audience in partnership with Kim Rutherford.

In addition, and as mentioned, many people have asked me more about my work with resilience – the subject seems to be trending now amongst those working in e.g. experienced leadership roles.

How we breathe plays a big role in our coping strategies for managing stress and building resilience at work. “But all you need to do is inhale and exhale” quipped a lively member of another recent company workshop I held. “Well, you’d be dead if you didn’t” came my response. The point is…don’t forget to pause after the exhale. Here’s why.

As humans, we can control how we feel by how we breathe. For example, you’re on a plane and feel that fear of flying, as a result your pulse, breathing rate and temperature increases. You can go down the mindfulness, meditation route or you can simply focus on the breath and remember that the calmest people breathe silently, gently and from the lower abdominal muscles at a rate of about 6-8 breaths a minute. This puts us in a ‘parasympathetic’ state and the best way to achieve this is via a longer exhale that contains a long pause afterwards. So, for example, breathe in for 3, out for 7 and pause for 3.

Lower abdominal breathing is key. This technique also improves our sleep and ability to exercise with more strength and endurance but that’s for another article.

Focusing on the workplace, how do such breathing techniques help you build resilience? Imagine having to cope with a daily stress load that doesn’t give you ‘time to breathe’? How can breathwork change that? Being on a heightened sense of anticipation is a state too many of us recognise in modern Western society. That often creates a dysfunctional breathing habit that commonly we are unaware of and is thus hidden. This heightened state can send a cascade of stress through the body creating the potential for many symptoms and ill health as a result.

Life is all about emotion and our ability to keep our energy and vibe high, right? But how do we build up a capacity to tolerate a negative emotion if it’s already low? We all know that feeling of low emotion from the pandemic years (incidentally, there’s a strong link between low emotion and why your mind employs multiple buffer mechanisms that include procrastination, eating junk, drinking, excessive video gaming, etc. These are all symptoms of what’s referred to as psychosomatic dysfunction).

Given that the ability to maintain your composure during stress can potentially determine whether the stress will cause positive or negative metabolic adaptations, it’s therefore crucial to change that feeling of low emotion. And you do it via the breath.

You can imagine your abilities in the workplace to perform better and be more productive by coping better with your stress load through a stronger emotional state.

Nature gave us the power of the breath that’s why it feels so good to breathe in nature. The beauty of the breath and its powers, lies in nature yes but also the speed with which by manipulating it through different breathing exercises can change how you feel physically, mentally and psychologically…helping to shift that emotional state, and, it’s all in the experience.

Our bodies are so good at telling us how we feel…notice I purposely didn’t say the mind – I’ll come back to that.

So, when we feel that stressed state, it’s worth remembering, wait for it, why Zebras don’t get ulcers. Yes, they spend much of their time in the Savannah, minding their own business, in a parasympathetic state, grazing and living the dream, that is until the big cat arrives and then the adrenals kick in.

As humans in the workplace and in life we need to feel that stressed state less often, otherwise we ultimately get burnt out and begin to perform relatively poorly on a daily basis.

Being stressed turns on hyperventilation-based breathing. Long term that can create illness and, not to put too fine a point on it, there are more than 150 different medical conditions related to living in a hyperventilation state.

Given the speed with which breathing exercises can change how we feel and function daily, imagine the power and benefits of committing to a daily practice – key to keeping us from feeling over stimulated and overwhelmed! The beauty of the exercises is that they create a habit, a daily sequence that we can rely on when our bodies check in with us and tell us we are stressed. I did mention that I’d come back to that point about our minds telling us how we feel. Well, when we focus on the breath, watch what disappears from your mind. Most of what we think is made up of 95% nonsense based upon existing in a stressed state. Breathwork fixes that.

Behind the exercises, I have found that a daily observance of the breath, and e.g. where it comes from, and how light or heavy it feels, can keep you in the best state to maximise your potential at work. For instance, come to recognise your breath as ‘normal’ by making sure it is light, quiet, effortless, soft, through the nose, tummy-based, rhythmic, and gently paused on the exhale for about three seconds.

There are three levels of breathing…(a) so softly that the person next to you can’t hear you breathe, (b) softly so you can’t hear yourself breathe, (c) so softly that you cannot feel yourself breathe.

And if you want to become aware of that hidden dysfunctional breathing pattern and change it into a functional one to build greater resilience, here’s a checklist of bad habits to give up…mouth breathing (common when using tech), audible breathing during rest, regular sighing, sniffing, yawning with big breaths, large breaths prior to talking, lots of upper visible chest movement aided by forward head posture.

Awareness of the breath not only stops you taking your breathing for granted, it also enables you to use it to your huge advantage at work and it’s a proven game-changer.

www.sniffsighyawn.com

 

Expect ltd enjoys belly laughs for a great cause

A Sefton-based social care charity doing invaluable work across the borough to help adults who are considered to be vulnerable, including people living with a disability or needing mental health support, is planning to put a smile on people’s faces and create belly laughs next Thursday in Liverpool City Centre

Expect Ltd will host their first ever Comedy Night event at LEAF on Bold Street with a top line up of comedians including Stephen Cookson, Sam Avery and Jack Miller with Eddie Fortune as compere.

Money raised from the event will go to Housing Initiatives, part of the Expect Group that provides accommodation in collaboration with other charitable and not-for-profit organisations and social landlords to offer affordable housing. Funds will go towards the refurbishment of one of the team’s houses within the local community.

One of their recent partnerships was with ex-servicemen now being able to move into their own self-contained flats. In addition to housing provision they also pride themselves on the relationships that they build with tenants, many of whom are otherwise socially isolated. They organise community outings as well as signposting them to other appropriate interventions.

Kevin Byrne, Business Development Manager at Expect Ltd said: “Our comedy evening will bring some much needed brand awareness and attention to the charities and the important work that we do. It’s also great to give our service users, staff and supporters the opportunity for a different, fun night out whilst raising vital funds.”

The event is being sponsored by local Insurance firm Butterworth Spengler. Director Mark Robinson said: “Butterworth Spengler are delighted to be involved in helping this event. Here’s to a great night and hopefully raising lots of money for a good cause.”

Kevin added: “Having the support of Mark and the team at Butterworth Spengler is crucially important to us. It’s really very much appreciated and a huge help to our fundraising efforts.”

Expect Ltd and Housing Initiatives Comedy Night

https://www.eventbrite.com/e/expect-limited-and-housing-initiatives-comedy-night-2023-tickets-564681907787?aff=ebdsoporgprofile £10.00 each plus booking fee.

Further information: 0151 317 5511.

 

 

April 2023