Orlando Reid May Newsletter

Orlando Reid May Newsletter


Welcome to the May edition of the Orlando Reid newsletter - in this month's publication we have focused on providing you with useful content to help you get through the lockdown period and beyond. 


Ways to cut your spending during the coronavirus

We could all use a little extra financial help in this current health crisis. Some people may have lost their jobs, some may be working reduced hours, or some may be taking furlough leave. With schools also closed, there is added pressure to provide for the household. Whatever your circumstances, we’re sure that our tips to reduce your monthly outgoings will help!

Check your direct debit payments

Now that we are spending more time at home, we can use this time to check over our finances to see that everything is in order; something that not everybody usually has the time to do. With online banking accessible to everyone, we can access our bank statements and double check our outgoings and ditch any memberships or plans that we don’t really need or use.

Consider a new mortgage deal

With borrowing rates at an all time low, it is a good time to be on the hunt for a new mortgage deal. According to Zoopla, the average cost of a two-year fixed rate mortgage has fallen from 2.36% on 1st April, to 2.13% now, while the cost of a five year fixed rate deal has dropped from 2.66% to 2.37%. Although there are slightly less mortgage deals available, lenders are still introducing new options for borrowers. So why not see what you could save?

Reduce your energy bills

Now that we’re experiencing some lovely warm weather, we can reduce the time our heating is on (or turn it off completely). If you are still using your heating, try lowering the temperature of this – even just by a couple of degrees. By reducing your thermostat, even by just one degree lower, you could save around £50 a year!

We should also be more attentive to our electricity usage. With us being at home more often than normal it is important to check that unused appliances are not left on standby, and lights are off in rooms we aren’t using. All of this will help to reduce your electricity bill. You could even consider using a smart meter to monitor your utility usage.

Ebay!

Now is a great time to have a clear out of things that you no longer need or use. You might even find some brand new items that you’ve never used before. List them on eBay as other people might be interested in your items. You can have a tidier house and a healthy bank balance with this one.

Check on your savings

With the recent reduction on interest rates it may be worth checking up on your savings account to ensure that you are getting the best return for your money. If you’re not locked into a savings account, you can shop around for the best rates. There are many different savings accounts out there so a comparison site might help you to search for this.

Check your mobile phone contract

When was the last time that you checked your mobile phone contract? If it has been a while, now is a good time to check this as it is likely that you are over paying. If your contract has ended you could swap to a sim only deal which could considerably reduce your monthly outgoings. You can obtain some sim-only deals for under £10 a month!



Apps To Help You With Anxiety and Stress

Anxiety is something that we can all experience at times, however in the midst of the coronavirus there will likely be more of us than ever who are suffering with anxiety. There are plenty of techniques to help you manage levels of anxiety, with one of the key innovations being the development of apps, we have found some of the best apps to help you cope with the current situation and beyond.

1) Stress & Anxiety Companion
Recommended by the NHS, this application helps you to handle stress and anxiety on the go through the use of breathing exercises, relaxing music and games designed to calm the mind.

2) Calmer You
Calmer You is a new app developed by Headspace’s former head of Research. The app brings together a range of tools from Cognitive Behavioural Therapy through to workouts, all with the aim to find a personalised approach that helps soothe your anxiety.

3) ReachOut Breathe
Focusing specifically on breathing techniques, this app guides you through your breathing telling you when to inhale and exhale in order to counter some of the effects of anxiety. You can customise the techniques which work best for you and the user interface can also measure your heart rate.

4) Self-Help For Anxiety Management (SAM)
This is an anxiety-soothing app with a difference; it encourages users to think about situations which cause them anxiety and how they react. Through identifying different types of anxiety and triggers, a toolkit is developed to help you cope better – one of the key features of this application is the multi-faceted approach which it takes in dealing with your symptoms.

5) Mindshift
Perfect for the current situation as this application can focus on general worry, social anxiety, perfectionism, panic, phobia or another kind of anxiety. For each specific concern, the application can create tailored coping plans which should aid you in finding an equilibrium.

6) MoodMission
If you are looking for a more light-hearted manner in which to find your perfect coping method, then sample MoodMission. This application uses games and app rewards designed to motivate you to improve your mental fortitude.

7) Sanvello
During the Coronavirus this usually paid-for app has been made free of charge due to the demand on downloads; tracking your exercise, meals, family time and other habits it can pinpoint your bouts of anxiety.



Restrictions abroad are being lifted; what can we learn?

As some of our closest neighbours across the pond in Europe begin to lift their most severe lockdown restrictions, there are now questions concerning our own lockdown and when it will end. As well as the question of when is the question of how; we look at other European countries to see what we can glean from them, as well as the sentiment of the British public.

Denmark, Germany, Switzerland and Austria are among the leading European countries who are taking steps to end their own lockdowns, with schooling at the top of each of their lists. As lockdowns begin to ease, it seems that reopening schools, albeit daycare and primary schools only in most cases, are amongst the first to return to normality. When our own restrictions are eased, expect early-years childcare to be amongst the first to return to normality.

As well as schooling, smaller retail units are also being reopened fairly promptly, with countries producing lists of “approved businesses” – including hairdressers, DIY shops and flower shops. Germany has opened retail units based on their size, with any business that has a floorspace less than 800 square metres allowed to trade as usual, as long as social distancing measures are still adhered to. Austria has taken a more stringent view on opening “non-essential” shops, allowing shops to open with a floorspace of less than 400 square metres, half of that of the German restriction.
 
In terms of our own restrictions, we may see a clear-cut policy of the Government allowing shops with a specific floorspace to reopen, as in Germany and Austria, or we could go down the route of specific retail units being allowed to open due to their economic significance.

Whilst these lockdowns abroad are slowly lifted, it is important to note that there are still strict measures in place. Lockdowns across Europe are not being simply lifted, instead there is a slow and steady opening of schooling facilities, shops by necessity or size and social distancing measures are still strictly enforced.

The wearing of face masks is also becoming a familiar sight across the continent as people return to their daily lives; in some countries such as Austria the wearing of masks is obligatory in order to quell a second peak of infections. There is some scientific consternation around the efficacy of wearing face masks, and the British Government has indicated concerns that making the wearing of face masks obligatory could have detrimental effects on the supply of PPE to the NHS, therefore this may not be something we see widespread across the UK.

Whilst the past month or so has seen life in the United Kingdom, and indeed across the world, change enormously due to the coronavirus there are encouraging signs from our European comrades that life will start to return to normal in the fairly near future. Expect a measured and hesitant approach to relaxing lockdown regulations as the Government seeks to hone an exit strategy that allows for the economy and health services to recover, whilst simultaneously avoiding another surge in cases – therefore early years schooling, potentially followed by secondary schools and specific retail outlets will most likely be the first to reopen. Interestingly, it seems that as a country we are amongst the most concerned with regards to the threat of coronavirus, with a March poll published in the Journal of Risk Research finding that the UK had the highest level of perceived risk out of all the countries surveyed – this could indicate that we would be amongst the most receptive to a slower and more measured easement of lockdown restrictions than our closest counterparts.



Our homeschooling timetable to keep the kids entertained

Now that we are getting used to the lockdown restrictions, it may be good idea to find a new routine with your children in order to keep their learning fun and exciting. We have put together an example timetable full of free resources that will more than see you through the rest of the lockdown period.
 
9am – PE With Joe Wickes
Who better to kick your day off with than the body coach himself? Now something of a staple for many schoolchildren’s days, Joe Wickes’ morning YouTube sessions are the perfect way to get your little ones to burn off some of that excess energy and get the endorphins flowing. Visit his channel here https://www.youtube.com/user/thebodycoach1 
 
9.30am – Geography With Steve Backshall
A very familiar face to your little ones with programmes all over the BBC and beyond, Steve Backshall is broadcasting live geography lessons to bring wildlife into your home. Watch here https://www.youtube.com/channel/UCm-URP49TgSgyIU1rgh2m7A/

10.00am – Science with Konnie Huq
Former Blue Peter presenter Konnie Huq is now posting regular videos to her YouTube channel covering all sorts of topics; from cookery to science. Each video is easy-to-follow and around 20 minutes long, so perfect for a short attention span! Look at what has been posted already here https://www.youtube.com/channel/UCDlSobQTc4IifJEu6Lt22eA/videos

11.00am – BREAK
It’s important to ensure that you aren’t overwhelming your children in your efforts to home-school and keep them occupied, therefore remember to include breaks in your timetable that allow them to take a breather. Concentrating for shorter, more intense bursts will reap greater rewards in the long-term so give them time between lessons to play and relax.

11.30am – Literacy With JK Rowling
Children (and adults) around the world will recognise JK Rowling thanks to the hugely popular Harry Potter series. Rowling has now released a Harry Potter at home resource that is a huge library of activities and resources designed to nurture a child’s literacy skills – all within the realms of Harry Potter. Visit the page here, this is sure to be a lifesaver https://www.wizardingworld.com/collections/harry-potter-at-home

12.30pm – Lunch
You have made it halfway through the day – you need a pat on the back! Why not bring your littles ones into the kitchen to help you make the lunch?

1.30pm – Story Time With David Walliams
Ease your children back into the swing of things by listening to David Walliams free stories, available from 11am each day. https://www.worldofdavidwalliams.com/elevenses/

2.00pm – Science With Professor Brian Cox
Who better to teach your children science than acclaimed Professor Brian Cox? On the STEM learning website you can find easy experiments which will no doubt captivate your children’s minds and could encourage the next wave of scientists https://www.stem.org.uk/resources/collection/314734/brian-cox-school-experiments

3.00pm – Spanish With Sergio Aguero
The BBC is launching BBC Bitesize Daily which features outstanding resources, split by year group, level and lesson. A star-studded line up is included in the teaching roster, including Spanish with Sergio Aguero, History with Danny Dyer and Geography with David Attenborough. https://www.bbc.co.uk/bitesize/dailylessons