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76% ofBr i t shaveal t er edt hei rbehavi ouri nl i ghtoft he cor onavi r usout br eak Behavi our alf i ndi ngs: •Near l yhal f( 48%)havechangedt hei rper sonalhygi enehabi t sandj ustunder hal f( 46%)havest oppedshaki nghandswi t hpeopl e.Nat ur al l ypeopl ear emor e l i kel yt ohavedonet heeasyt hi ngst hough–compar et hesenumber st o17% who havest oppedusi ngt r anspor tand14% whohavewor kedf r om homemor eof t en. •( Cl ai med)st ockpi l i ngi sappar ent l yl owert hanyoumi ghtexpect–18% say t hey’ vest ockpi l edf oodand16% sayt hey’ vest ockpi l edt oi l et r i es,t oi l etr ol lor medi ci nes. •Overat hi r d( 39%)haveavoi dedbei ngi ncr owdedpl aces. Mor egener aldemogr aphi cf i ndi ngs: •Youngerpeopl e,especi al l y1824yearol ds,ar emor el i kel yt osayt hatt heyf eel over whel med,si gni f i cant l ymor esot hanal lot heragegr oups( 34%) •Att het i meofsur veyi ng,peopl ear epr edomi nat el ywor r i edaboutt hepot ent i al i mpactwhi chcor onavi r usmi ghthaveont hei rphysi calheal t h( 31%) ,asopposed t oot heri mpact ssuchashousehol df i nanci alsi t uat i on( 26%)orwor kpr ospect s ( 20%) •Asyoumi ghtexpect ,youngerpeopl ear emor el i kel yt obewor r i edaboutt he i mpactont hei rf i nanci alsi t uat i on–1i n10( 1 1%)of1834yearol dsar e‘ ext r emel ywor r i ed’ ( vs.j ust1% of65+) •Thosewhoar ewor ki ngar esi gni f i cant l ymor el i kel yt obewor r i edaboutt he i mpactont hei rf i nanci alsi t uat i ont hant hosewhoar er et i r ed( 26% vs.16%) . •Apar tf r om t hoseon‘ Upt o14kayear ’ whoar et hemostwor r i edaboutt he i mpactont hei rf i nances( 37%) ,t her e’ snotact ual l yt hatmuchdi f f er encei nhow wor r i edpeopl ear eonot heri ncomel evel s.

•Thatsai d,apr et t yhef t y75% oft hosewhosai dt hatt heycur r ent l yf eelnegat i ve aboutt hei rhousehol df i nancesar ewor r i edaboutt hei mpactt hatCVi sgoi ngt o have–38% ar eext r emel ywor r i ed. •Rent er sar esi gni f i cant l ymor ewor r i edt hanhomeowner s( 36% ofr ent er swor r i edvs20% whoownt hei rhouseout r i ght ,or25% whoownt hei rhousewi t ha mor t gage) •Thel evelofwor r yar oundt hei mpactoncur r entphysi calheal t hr eal l ydoesnot di f f ermuchbyagegr oup.1834:31% wor r i ed,1844:29% wor r i ed,4564:33% wor r i ed,65%+:34% wor r i ed •Concer nsaboutcor onavi r usandt hei mpacti twi l lhaveonpeopl e’ sment al heal t hi smor eofani ssuewi t hyoungeragegr oups.At hi r dof1824sand2534s ( 31% and34% r espect i vel y)ar ewor r i edaboutt hi s,wi t h1i n10ext r emel ywor r i ed.Forol deragegr oupsi t sabout20% wor r i ed,e. g.22% of4554s,22% of 5564sandj ust9% of65+ * Wal nutUnl i mi t edi nt er vi ewedanat i onal l yr epr esent at i vesampl eof201 1GB adul t saged18+.Fi el dwor kwasconduct edbet ween13t h15t hMar ch2020. *Forf ur t hercommentcont act :Thomas. Wal sh@wal nut unl i mi t ed. com orcal l020 78458327. * Pl easer ef ert ot hest at i st i csasnat i onal l yr epr esent at i veandci t eWal nutUnl i mi t edast hesour ceoft hedat a.* Pl easemakenot eoft hedat eandt i mer esear ch t ookpl ace.Foranyaddi t i onalf i ndi ngsorf ormor edet ai l sar oundaspeci f i cpoi nt , pl easegeti nt ouchaswemaybeabl et ogetananswerf oryou.Forf ur t hercommentcont act :Thomas. Wal sh@wal nut unl i mi t ed. com AboutWal nutUnl i mi t ed: Wal nutUnl i mi t edi smor et hanamar ketr esear chagency ,t heyar et hehumanunder st andi ngagency .Theyuncoverhumani nsi ght st hathel pbr i nggl obalbr ands cl osert ounder st andi ngpeopl ef orbet t erbusi nessdeci si ons.Thr oughi nnovat i ve t hi nki ng,t heyusenononsensesci encedr awi ngonspeci al i smsi nneur osci ence andbehavi our alpsychol ogyandeconomi cs.Theywor kacr ossr et ai landcust omerexper i ence,t echnol ogy ,f i nanci al ,FMCG,br andandcommuni cat i ons.I nf or mat i onaboutWal nutUnl i mi t edcanbef oundher e:www. wal nut unl i mi t ed. com

HomeI mpr ovement s

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HomeI mpr ovement s

HomeI mpr ovement s Cor onavi r usandYour Fi nances: Thi si sTheHel p Avai l abl e Thi si sar eal l ywor r yi ngt i mef oral otofr easons.Theheal t hofpeopl ear ound t hewor l di st hebi ggestconcer n,butf i nanci alwor r i esar ecomi ngi nasacl ose secondwi t hahugenumberofpeopl el osi ngt hei rj obsorhavi ngt ot akepay cut s. Thegover nmenti sdoi ngwhatt heycant ohel pt heBr i t i shpubl i ct hr ought hi s di f f i cul tt i me. Thi sar t i cl egoest hr oughandexpl ai nst hehel pavai l abl ef ordi f f er entf i nanci al pr oduct si nor dert osuppor tpeopl ewhoar est r uggl i ngt omakepayment s dur i ngt hi st i me. ht t ps: / / www. ki sbr i dgi ngl oans. co. uk/ consumer gui des/ cor onavi r usandyour f i nancest hi si st hehel pavai l abl e/ I nf or mat i onaboutt hef ol l owi ngpr oduct sar ei ncl uded: Mor t gages Rent Loans Cr edi tCar ds Over dr af t s Counci l Tax GasandEl ect r i ci t yBi l l s Wat erBi l l s Vehi cl eFi nance Ent i t l ement st oRef unds Rel easef r om KI SFi nance

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Pandemi Cam -Ourgr eat estchanceyett o det ect ,moni t orandbeatCOVI D19

I fnott hedeadl i est ,t henovelcor onavi r us( COVI D19)i scer t ai nl yt hemostser i ouscont agi ousdi seaset ohavecr ossedcont i nent si nmoder nt i mes.Oneoft hebi ggestchal l engesi sscr eeni ngenmassef ordet ect i onofi nf ect i ousi ndi vi dual s.Today’ scur r ent met hodsar er udi ment ar y( measur i ngonl yt emper at ur e)orver yexpensi veandt i meconsumi ng( swabt est ) .Det ect i ngi nf ect i ouspeopl eatanear l yst agei skeyf ordi seasecont r olandmanagement . Aj oi ntvent ur ebet weenSpi nvi ew( www. spi nvi ew. i o)andVRMedi aTechnol ogy( www. vr medi at ech. com) ,hascr eat edanef f ect i veweaponagai nstcor onavi r us. I nseconds,Spi nvi ew’ sr evol ut i onar ydevi ce,Pandemi cam can,usi ngapr ovensuccessf ulmat r i xofsensor s,i dent i f yawi der angeofsympt omst oi ndi cat ei nf ect i on. Oncet hedevi cei si nst al l ed,unl i mi t edt est scanbeper f or medwi t houthavi ngt or el yon consumabl emat er i al s.Thedevi cei sabl et ooper at eenmasseandr epor tt oacent r al ser verf ori nf ect i onmoni t or i ngandt r acki ng.Accur acyi smuchhi ghert hanwi t hnoncont actt her momet er s,ast hesyst em canscant housandsofmeasur ement spersecond acr ossanent i r espect r um ofsensor s,i ncl udi ng,butgoi ngwel lbeyond,onl yt emper at ur e. COVI D19i sknownt oaf f ectphysi ol ogi calpar amet er ssuchast emper at ur e,r espi r at i on, hydr at i on,sweat i ng,f l ushi ngandcoughi ng.Pandemi Cam i sanoni nvasi vemul t i sensor ydevi cewhi chi sdesi gnedt ocol l ecti nf or mat i onf r om mul t i pl esensor st o‘ r ead’ t he COVI D19sympt om par amet er si never yper soni tscans. Pandemi cam combi nest heuseofmat hemat i csandar t i f i ci ali nt el l i gence( AI )wi t hpr eexi st i ngsensor si nt ooner evol ut i onar yscanni nguni tenabl i ngwi despr eadscr eeni ngwi t h ease.Thecol l ect eddat ai sf usedt oget herbyt hesyst em andf eedt hr oughAI ,t opr ovi de anaccur at eandf astdet ect i onofi nf ect i ouspeopl ewi t hf argr eat ercl ar i t yt hananysi ngl e par amet ert estavai l abl et oday . Appr opr i at el ynamedPandemi Cam,t hi scompl exscanni ngsyst em canhel paut hor i t i es acr osst hegl obel i mi tt hespr eadofCOVI D19,assi st i ngi nt hemanagementofpr eci ous heal t hcar er esour cesi nr eal t i me. “ Mat hemat i csandAr t i f i ci alI nt el l i gencear et wooft hemostef f ect i veweaponswehavei n t hef i ghtagai nstt hecor onavi r usout br eak”DrKat ar i naGospi c,l eadi ngNeur osci ent i st

Wher ecur r entsi ngl epar amet ert est ssuchas t emper at ur ehavet obemeasur edi ndi vi dual l y , Pandemi Cam i sabl et oscr eengr oupsofpeopl e andevenscanatadi st ancef ort hesaf et y necessi t at edbyt hi spar t i cul ardi sease.Agai nst aci t ygr i d,Pandemi Cam al l owsf ort her eal t i me mappi ngofsympt oms.Qui cki dent i f i cat i onof hot spot sal l owsf orl ocal i sedr est r i ct i onsand r esour ceal l ocat i ons,r educi ngf i nanci aldamage andhumandanger . Cont i nuousenmassescr eeni ngi skeyt owi nni ngt hebat t l eagai nstcor onavi r us. I nt heUSt her ear ecur r ent l y65, 000t est sbei ngconduct edperday( sour ce:ht t ps: / / covi dt r acki ng. com/ usdai l y/ ) .Eveni ft heywer eabl et oi ncr easet hi st o100, 000perday , i nor dert ocovert heent i r eUSpopul at i onoft hoseovert heageof18( 330mi l l i on)i t woul dt ake7year s. Themor ewecanr epeat edl yscr eenpopul at i on( s) ,t hebet t erwewi l lbeatdet ect i ngi nf ect i ouspeopl eandt hussl owi ngandl i mi t i ngt her at eofspr ead. Spi nvi ew’ sscr eeni ngwoul dbr i ngt hatf i gur edownandenabl emassscr eeni ngandi nf or mat i ononi t sspr eadi nseconds.Thesyst em wi l lal er theal t hcar epr of essi onal st oi dent i f y t hosei nneedoft r eat menti nst ant l y–nowai t i ngf orl abr esul t s.Medi calst af fcancar r y outpr edi ct i vet r i age–under st andi ngbasedont hedat ar ecei ved,cor r el at edwi t ht he knownpassageoft hedi seaset hr ought hesyst em,whatapat i enti sl i kel yt oexper i ence andt hesuppor tt heywi l lneed.Thesyst em coul dal sobeusedt oensur et heheal t hand wel l bei ngoft hegener alpubl i ci nor dert or esumef r eedom ofmovement .Byusi ngt he devi cewi t hi npubl i ct r anspor tandi nf r ast r uct ur esyst emssuchasai r por t si ncl udi ngi tas par toft hei rsecur i t ychecks,i tcoul dhel pkeepai r por t sf r eeofCOVI D19orot herdi seases.Thi swoul densur et hatf ut ur eout br eakscoul dbecont ai nedandmoni t or edmor eef f ect i vel ywhi l ekeepi ngt heeconomygoi ngandpeopl emovi ng. I nsi mpl et er ms,Pandemi Cam scansenmasse,i nsecondsandwi l lsavel i ves. Formor ei nf or mat i ononPandemi Cam pl easecont actpandemi cam@spi nvi ew. i o Rel easef r om Spi nvi ewGl obalLi mi t ed

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LocalBusi ness Suppor tf ort hesel f empl oyed: speci al i sti nsur erwar nst hat PSC cont r act or swon’ tbenef i t Fol l owi ngl as tweek ’ sannounc ementt hatt hegov er nment i si nt r oduc i ngaCor onav i r usSel f empl oy mentI nc omeSuppor tSc heme,s pec i al i s ti ns ur anc ebr ok er ,Ki ngs br i dge,has wel c omedt hehel pi twi l l of f ers omec ont r ac t or s ,but war nedt hatt hos ewor k i ngt hr oughaPer s onal Ser v i c es Company( PSC)wi l l notbenef i t . Thr ought hei ni t i at i v e,i ndi v i dual smaybeel i gi bl et or ec ei v e agr antf or80% oft hei rav er agemont hl ypr of i t supt o £2, 500amont h. I ti ses t i mat edt hat3. 8m oft he5m s el f empl oy edwor k er s i nt heUKwi l l bec ov er edt hr ought hes c heme–howev er , c ompanyowner swhopayt hems el v esadi v i dendwi l l not bec ov er ed. I naddi t i on,i twi l l onl ybeopent ot hos ewi t hat r adi ngpr of i t ofl es st han£50, 000i n201819,oranav er aget r adi ng pr of i tofl es st han£50, 000f r om 201617,201718and 201819.Thos ewhoar er ec ent l ys el f empl oy edanddonot hav eaf ul l y earofac c ount swi l l al s onotr ec ei v eanyhel p undert hi ss c heme. Ont heannounc ement ,Ni c ol aHay man,Legal Managerat Ki ngs br i dge,c omment ed: “ Whi l et hepac k agef ors el f empl oy edwor k er st hatt he Chanc el l orhasunv ei l edwi l l nodoubtbewel c omenews f ormanys ol et r ader s ,i ti sl i k el yt hatov erami l l i ons el f empl oy edpr of es s i onal sac r os st heUKwi l l f ai l t obenef i tf r om t hes c heme–andt hati nc l udesmos tl i mi t edc ompanyc ont r ac t or s . “ Yes ,t hos ewhopayt hems el v esaPAYEs al ar ywi l l hav e 80% oft hatc ov er edbyt heCor onav i r usJ obRet ent i on Sc heme.But ,i nr eal i t y ,t hatamounti sof t enl i k el yt obea s mal l per c ent ageofwhatt hes epr of es s i onal sneedt os us t ai nt hems el v esandt hei rbus i nes s es–par t i c ul ar l ydur i ng t hi sdi f f i c ul tt i me. “ Onc eagai n,gov er nmentpol i c yhasdemons t r at edl i t t l e par i t ybet weenhows el f empl oy edandempl oy edi ndi v i dual sar eas s i s t ed:empl oy edi ndi v i dual swi l l benef i tf r om gov er nments uppor tr egar dl es soft hei ri nc omeorl engt hof t enur e,whi l es el f empl oy edi ndi v i dual swi l l hav et ohi ts t r i c t c r i t er i at or ec ei v eagr ant .Asi sof t ent hec as e,t hel i ne whi c hdi v i dest hos ewhoar egenui nel yi nbus i nes sont hei r ownac c ounti sc l ear . ” Rel eas ef r om Bl ueSk yPR

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Asyouar eawar emanygar denshowshavehadt obecancel l edt hi s yearduet ot heCor onavi r ust hr eat ,notl eastt hepopul arand wor l dr enownedMel bour neshowatver yshor tnot i ce. Wer ecent l yr anacompet i t i onf ort he Mel bour neI nt er nat i onalFl ower&Gar den Showwi t ht hewi nner sduet obecr eat i ng t hei rpl ant i ngdesi gnexhi bi t si nMel bour ne t hi sweek.LCGD’ sobj ect i vet osuppor t newdesi gnert al entt hr oughpl ant i ng desi gnbot hi nAust r al i aandt heUKhas notbeencancel l ed,i t ' sj ustbeenr eassi gned. LCGDMel bour neDi r ect orBr entRei dsai d“ Manyoft hef i nal i st shave beengr owi ngpl ant sandmaki ngmat er i al sf ort heshow.Wear est i l l goi ngt osponsort hem andl ett hem showt hewor l dwhatt heycando onl i ne.“ Desi gner swi l lbecr eat i ngt hedesi gnsi nt hei rownbackyar ds, gar densandcommuni t i es,somet ocr eat eal ast i ngi mpact .Wewi l l shar et hei ror i gi naldesi gns,ef f or t sandst or i esonl i never ysoon.Look outf orsomef abul ouspl ant i ngdesi gnandor i gi nalst or i essoonon LCGD’ ssoci almedi aandwebsi t es. Andl ookoutf ormor ei nf or mat i onver ysoonabouthowyoucanget i nvol vedf r om yourowngar den.TheI nt er nat i onalGar denShowwi l lgo onl i neshor t l y . Rel easef r om ht t p: / / www. ezoneuk. com/

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