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Rob Johnston                                                                                               SPRING/SUMMER 2016

Chief Executive - Cumbria Chamber of Commerce                                     03 Welcome

A particularly popular area of the Growth Hub’s support is on the topic of                 Guest Editorial
social media. Pages 20 and 21 highlight the importance of social media and
how it is increasingly becoming a key element of a business’ communication        04 The Northern
strategy; it’s great to see David Allen offering this information proactively to         Powerhouse
support businesses.
The changes around dividends are interesting and will have a significant                    Danny Roper
impact for business owners. On pages 12 and 13 Alison Welton talks about
the complexity and challenges of getting money out of your business in a          07 Mortgages -
tax efficient way and again this highlights the importance of investigating                to fix or not to fix
these challenges with a professional before you take any action.
                                                                                           Kelly Hillier
“In an increasingly complex world it is more important
 than ever to take advantage of the full range of advice                          08 Steed Tailors
 and support available - I’m sure this newsletter will give
 you some food for thought!”                                                               Guest profile

Rob Johnston - Cumbria Chamber of Commerce                                        10 Improve workplace
                                                                                         productivity using IT
  For further information and advice on any of
  the topics raised in this newsletter, or for any                                         Gary Martin
  accountancy or business support, contact the
  team at David Allen on 01228 711888.                                            12 Dividend legislation

                                                                                           Alison Welton

                                                                                  14 What’s new in the world
                                                                                         of payroll

                                                                                           Jill Hetherington

                                                                                  16 Can you pass on a
                                                                                         pension?

                                                                                           Gary Jackson

                                                                                  18 Budget 2016

                                                                                           David Allen

                                                                                  20 Intelligent social media

                                                                                           Kerrie Allison

                                                                                  22 Second home tax advice

                                                                                           Lucy Metcalf

                                                                                  24 Carlisle College

                                                                                           Guest profile

                                                                                  26 Take control of
                                                                                         your debts

                                                                                           Dianne McDermott

                                                                                  29 Trust in trusts!

                                                                                           Trudi Dickinson

                                                                                  30 Embrace the cloud

                                                                                           Robert Nordon

                                                                                  31 VAT on business trips

                                                                                           Julie Osborn

                                                                                  32 Where next...?

                                                                                           Jane Clingan

                                                                                  34 Out and About

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