Kirklees & Calderdale issue 63

KIRKLEES & CALDERDALE EDITION 63

NOVEMBER - DECEMBER 2020

Helen Mirren

A NATIONAL TREASURE

A Secure Future WITH EQUITY RELEASE

Great Value Holidays WITH DAISH’S HOLIDAYS

Creating a Cosy Home

WWW.50PLUSMAGAZINE.CO.UK

THIS WINTER

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Typical Housing 21 communal lounge

Thinking about Retirement Living?

Private and self-contained, our retirement apartments and bungalows are designed to allow you to live independently within a community setting.

Studio apartments, and one and two bedroom apartments and bungalows are available to let for people over the age of 55 in West Yorkshire.

To arrange a viewing or for more information, call the Court Manager on 0370 192 4951. housing21.org.uk

CONTENTS 4-5

TWITTERING ON

By Angela Kelly

6-7 TRAVEL

Walking in Madeira 10-11

HELEN MIRREN A National Treasure

12-13

A SECURE FUTURE With Equity Release

17-18 HOME

Christmas Decorating Tips

Travel

20-21 HOME

Creating a Cosy Home This Winter

WALKING IN MADEIRA

Helen Mirren

Home

A NATIONAL TREASURE

CHRISTMAS DECORATING TIPS

Bridgeman House 77 Bridgeman Street | Bolton | BL3 6BY. Sales Enquiries : T: (01204) 238180

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E: artwork@mcgrathmedia.co.uk

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Our pets are much loved companions, best friends and family members but sadly, not all animals are treated with the love and care they deserve The RSPCA Halifax, Huddersfield, Bradford & District Branch receives no government funding and we are entirely reliant upon the generosity of our kind supporters. Over a third of our income is in the form of gifts included in people's Wills.

This generosity helps us to give food, bedding, veterinary care and TLC to the animals in our Animal Centre and contributes greatly to their rehabilitation. This is only possible thanks to the generosity of people leaving us a gift in their Will.

Your act of kindness is literally a gift of life to hundreds of animals that have been cruelly treated. It will cost you nothing in your lifetime but from £100 to £100,000, every donation to the RSPCA Halifax, Huddersfield, Bradford & District Branch is greatly appreciated and can help save an animal’s life.

Making a Will, or adding a codicil to your existing Will is the only way to ensure that those you love will be taken care of, including your pets.

If your pet has brought huge joy into your life, remembering the RSPCA Halifax, Huddersfield, Bradford & District Branch in your Will is a wonderful way to celebrate your love of your animals and help animals less fortunate than your own for many years to come.

As a self funded RSPCA Branch, we're totally reliant upon the kindness of animal-lovers in order to continue our work. Your lasting legacy will ensure that we can continue our work to help the thousands of animals that we care for every year and also plan for the future.

If you would like to talk to someone about leaving a Gift in your Will, please call us on 01422 341160, e-mail us at: Branchoffice@rspcahalifaxhuddersfieldbradford.org.uk or if you prefer you can write to us at RSPCA Halifax, Huddersfield, Bradford & District, Wade Street, Halifax, HX1 1SN 3

TWITTER

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TWITTERING ON

BY ANGELA KELLY

But lockdown provided a unique perspective on how the planet improves if you, even temporarily, largely remove humans from the equation.

We had dramatic drops in city pollution around the world that could be seen from space. Venice’s canals were visibly cleaner and wildlife returned to this newly improved habitat. Even general litter improved - although fly-tipping increased as official tips were closed.

WHEN NATURE WAS ON VIEW AGAIN WATCHING the 1995 film The American President the other day reminded me what a hard sell caring about the environment was back then.

Perhaps even more importantly, more people walked or cycled for exercise and just to get out and about. So we began a re-education of how we see Nature – often passed onto and shared with our children.

The plot is all around the President (Michael Douglas) meeting an environmentalist (Annette Bening) and their trials before, of course, a happy ending.

There was also a boost in people growing their own fruit and vegetables in their gardens, enhanced by the good weather.

We had more time and had slowed down our lives enough to appreciate the world around us.

But the interesting aspect was how people regarded her and her work, even to some extent the President’s view. It just underlined how far we have come with understanding global warming and the very real threats that we humans pose to the planet.

What David Attenborough had been showing us so brilliantly for years about the life on our planet suddenly seemed far more relevant. And, yes, it felt hopeful.

But did this all last when lockdown was lifted?

Many would obviously point out that we have a very long way to go yet before we can start congratulating ourselves on genuinely caring for the world around us, and they would be right.

It would be easy to say “no” but I’m trying to be more optimistic than that.

You only have to look at the amount of litter casually chucked around by uncaring individuals to realise the length of that particular journey.

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Seeing what happens when Nature is left to its own devices might just make us more aware and caring. Let’s try and find a way to live in harmony, permanently.

HOW WE NEARLY MISSED OUT ON JASON’S DEL BOY WE’VE watched actor David Jason grow up on our TV screens from Granville in Open All Hours to an ageing Inspector Frost in A Touch of Frost.

His acting skills are indisputable and must still be the envy of actors and actresses of all ages. He’s 80 now and easily qualifies as a national treasure.

50s

Contact Ray: 07811 109 547 21 Rathlin Rd, Hanging Heaton, Dewsbury, WF12 7EY

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This newly boosted appreciation could last and, hopefully, it will galvanise us to do more about our environment and ALL the creatures that live there.

So it’s surprising to learn from his just-published third autobiography, A Del Of A Life, that he was actually FIFTH choice for Del Boy Trotter in Only Fools and Horses.

Robin Nedwell of the Doctor in the House comedy series and Billy Murray (later in The Bill and EastEnders) were possibles along with comedian Enn Reitel and actor Jim Broadbent, the oily copper Roy Slater on the show.

Jason acknowledges that some of them, much taller than the compact Jason, might have made a better match as “brother” to gangly Nicholas Lyndhurst’s Rodney.

However, as became apparent, the disparity of height and looks actually helped the characterisation of what is arguably still one of our favourite TV programmes of all time.

But it does make you think, though, of what we take for granted in our favourites. How would Porridge (or Open All Hours) have been without Ronnie Barker?

With whom would either of The Two Ronnies have partnered to create the fabulous eponymous comedy series? Would Dad’s Army have been the same if Arthur Lowe hadn’t been cast as pompous Captain Mainwaring?

More recent re-makes seem to indicate that no others could really take those roles. They also underline, though, how clever was the casting in the originals, and how lucky we’ve been to be able to enjoy seeing comedy genius at work in exactly the right telly environment.

WATCH YOUR LANGUAGE, TYSON, PLEASE!

SPEAKING UP FOR JOJOBA – CORRECTLY

WE often think that we are in charge of animals in zoos and wildlife centres but sometimes little things happen that make us wonder.

COMEDIAN Billy Connolly used to have a famous routine about how exotic the ingredients in haircare had become.

One of them occurred at Lincolnshire Wildlife Centre recently, concerning five grey parrots called Billy, Eric, Tyson, Jade and Elsie.

They joined the Centre’s colony of 200 grey parrots last August and all seemed well at first. Centre staff are used to the lively parrots and also used to their tendency to swear – presumably having heard humans doing it first. Apparently, though, they usually clam up outside.

The Famous Five, however, not only learned to swear but ended up egging each other on!

In the end, they had to be split up for the sake of young visitors.

It’s tempting to think that these feathered friends did it on purpose because they liked swearing. Not so different then from youngsters everywhere - but definitely hilarious and a lesson from Nature on the canniness of all creatures great and small.

He thought jojoba was something you chucked into a pan with other ingredients for your evening meal.

Even though this oil - that has a variety of healing properties - probably wouldn’t have gone with his neeps and tatties, at least Billy always pronounced it properly as ho-ho-bah.

Now, a new Scandinavian survey has revealed that two thirds of people interviewed think it’s jo-jo-bah.

Don’t bother feeling smug, though. The survey also revealed that 58 per cent of Brits pronounce Turmeric wrongly. We tend to say tur-mer-rik when it should be tuh-muhruhk.

But then, think of all the words wrongly pronounced anyway. The one that sets my teeth on edge is mischievous mispronounced as mischiev-i-ous with an extra i. Grrrr!

or email: help@aamail.org

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TRAVEL

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50 Plus Travel

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Walking in Madeira with HF Holidays

By Gillian Thornton from Silver Travel Advisor

Madeira has a reputation for appealing to Silver Travellers like us, especially in the winter months when temperatures can happily hover in the low 20s. With a mild climate, spectacular scenery, and gleaming white villas, it has an upbeat air that’s guaranteed to put a spring in anyone’s step.

Many holidaymakers don’t stray far from the cultural sites and shopping of Funchal, or even the hotel poolside - and why not - but Madeira also attracts a more active kind of Silver Traveller, as I found on a wintersun walking break with Silver Travel Advisor partner HF Holidays. Their seven-night holiday at the 4-star Hotel Galosol in Caniço de Baixo runs from late December to the end of March and again through September and early October.

Just 15 minutes’ drive from the airport and 20-minutes from Funchal by fast local bus, the Galosol ticked all my boxes for location, facilities and meals. All rooms have balconies and for a supplement, you can look directly across the water to an island nature reserve, particularly beautiful at sunrise. There’s a large gym and tranquil indoor pool, an 6

outdoor pool, and a wellbeing spa nestled in a cliff. HF guests eat in the main hotel dining room from a copious buffet spread at breakfast and dinner.

With a choice of two graded walks each day, the routes largely follow Madeira’s famous lavadas, at which point, let’s separate fact from fiction. These man-made water channels – named after the word to ‘carry’ – bring rainwater from the high peaks and moorland to the drier lower slopes, mostly in the summer months. Tourist photos often depict narrow paths with vertiginous drops, and these do exist, but there are levada trails to suit all abilities.

Lined with concrete, the gulleys generally follow the contours of the slopes with only a gradual incline, so any steep sections of the routes are usually between one levada and another, or detours to viewpoints. And whilst the paths themselves can be narrow, they are often fringed with trees, or simply a gentle slope. Any steep drops are guarded with a rail and are generally only for short sections. And of course HF – and other tour operators – do not subject clients to any unnecessary risks.

As with other HF itineraries, we were offered a choice of walks, the Easier and Harder options being outlined each night at a pre-dinner briefing. Often the difference was more on gradient than length and several of us chose to mix and match. Our youngest walker probably just made Silver status, a business consultant taking his annual winter hill walk break away from the family. Our oldest was everything I hope I will be at 85 - vibrant, sprightly and up for anything. But walking on the levada trails is not age dependent.

Levada trails are not for walkers with any kind of mobility or vertigo issues. Our routes covered roughly 12-18 km per day and were all linear, covering different areas of the island and contrasting terrain. An ability issue with one of our group during our first walk was dealt with sensitively and sympathetically by our leaders, who worked hard to find a solution without disrupting the rest of the group, but the situation should not have arisen. So be honest with yourself about your fitness before you book.

And be aware that some levadas pass through unlit tunnels, so a torch - even on a smart phone - is essential.

But if you are fine with all this, you will love this holiday. Our varied levada routes took us through small whitewashed villages and across moorland ablaze with gorse; through lush forests of laurel and eucalyptus to a tumbling woodland waterfall. And not all walks involved the water channels.

We followed some broad panoramic tracks and on the last day, took the undulating footpath along the Praia de Sao Lourenco peninsula with views to each side of volcanic formations and crashing waves.

There’s a sightseeing element too, including the view from Europe’s highest sea cliff and, inland, over a hidden valley. A guided tour of Funchal introduced us to the whitewashed cathedral, Blandy’s Madeira distillery, and the colourful produce market. Don’t miss the downstairs fish market to see the gruesome but scrumptious scabbardfish with their vicious teeth.

HF build in a free day midweek when some walkers chose to chill out around the hotel, easing tired muscles in the spa, gym or swimming pools. Others, like me, headed into Funchal or to hilltop Monte for the spectacular gardens, for which a few tips:

The bus to Funchal (from the Galosol to the bus station) takes 20-35 minutes. Here you can get the bus to the Botanic Gardens for that famous Funchal panorama across the green and red Choreographed Garden, or the cable car to Monte to visit Monte Palace Gardens.

I saved time by sharing a taxi to the Botanic Gardens and was there in under 10 minutes.

A combined ticket for the Botanic Gardens, the cable car to Monte, and the return cable car to Funchal (the best views are on the descent) can be bought, but it’s cash only at the Garden kiosk, no credit cards.

Monte Palace Gardens tumble down a steep ravine and only a small part is accessible by electric vehicle. Many paths are roughly cobbled and fairly non-slip but wear shoes with good soles or you’ll get more of a foot massage than you bargained for. I

particularly loved the Oriental Gardens with their koi ponds and red bridges, and the adjacent orchid garden, but expect native flora, a collection of African sculpture, and the history of Portugal told in traditional tiled panels in a stunning woodland setting.

This is the perfect walking holiday for anyone who loves spectacular and varied scenery, plus an element of sightseeing. Just remember to pack your balance with your boots!

Book and travel with confidence.

At the time of writing, Madeira has no quarantine restrictions. However, this is subject to change in accordance with FCO advice. For further information please visit www.hfholidays.co.uk or call 0020 3974 8878.

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Self-drive & coach inclusive breaks

GREAT VALUE 5 DAY HALF BOARD BREAKS

£119 from

per person

When it comes to inviting, relaxing breaks, we have the ideal holiday for you..

Coach & Self-D rive Holidays October 2020 to Septembe r 2021

Go places, with

Daish's.

Whether you’re after family-friendly holidays, a romantic getaway or a group break with like-minded people, our seven hotels cover the south’s finest locations. From the popular beaches of Cornwall to the cosy Isle of Wight, there’s something for everyone.

Our coach inclusive option allows guests across the UK to travel in comfort, while our self-drive holidays offer the freedom of having your own car.

Lake District

• Blackpool • Llandudno • Newquay Weymouth • • Torquay Bournemouth • Isle of Wight • Scarboroug h

Request your brochure now!

Every break includes: Return coach travel (self-drive option available)

Comfy en suite accommodation

Breakfast & 3-course evening meal

Live nightly entertainment*

Certificate of Excellence Awards We are proud to announce that six of our group – Barrowfield, Daish’s, Devonshire, Bournemouth Sands, County, Hotel Prince Regent – have been awarded the coveted TripAdvisor Travellers’ Choice Award 2020.

*Live nightly entertainment subject to government legislation

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Isle of Wight

Torquay

Bournemouth

Llandudno

Newquay

Blackpool

Lake District

Weymouth

Don’t miss these coach inclusive breaks!

Local pick up points from make it easy to get away.

Price includes return coach travel from:

Halifax, Bradford, Leeds, Wakefield (Denby Dale Road), Sheffield, Tibshelf.

All offers are subject to availability and standard terms and conditions (see brochure or website for T&C’s).

DATE

HOTEL

DAYS

PRICE

DATE

DECEMBER

HOTEL

DAYS

PRICE

FEBRUARY

04

Sands Hotel – Bournemouth

5

£189

01

Daish’s Hotel – Isle of Wight

5

£139

05

Hotel Prince Regent – Weymouth

5

£204

06

Esplanade Hotel – Scarborough

5

£159

07

Somerset Hotel – Llandudno

5

£194

11

Barrowfield Hotel – Newquay

5

£144

10

Russell Hotel – Weymouth

5

£189

12

Sands Hotel – Bournemouth

5

£149

11

County Hotel - Lake District

4

£169

17

Hotel Prince Regent – Weymouth

5

£154

13

Daish’s Hotel – Isle of Wight

5

£184

24

Devonshire Hotel – Torquay

5

£149

27

Esplanade Hotel – Scarborough

4

£144

27

Somerset Hotel – Llandudno

5

£189

28

Sands Hotel – Bournemouth

5

£164

JANUARY 07

Devonshire Hotel – Torquay

5

£119

11

Sands Hotel – Bournemouth

5

£124

12

North Shore Hotel - Blackpool

5

£129

16

Daish’s Hotel – Isle of Wight

5

£124

21

Esplanade Hotel – Scarborough

5

£139

23

Devonshire Hotel – Torquay

5

£124

26

Barrowfield Hotel – Newquay

5

£134

28

North Shore Hotel - Blackpool

5

£139

facebook.com/daishs

Call - 01202 638840 Quote - 50PlusWY or visit daishs.com

@daishs_holidays

Prices shown are per person based on two people sharing a Standard Room. Supplements apply on twin/double rooms with sole occupancy. Optional local excursions can be booked at the hotel. Many more coach or self-drive holiday dates available in 2020. If you would prefer to self-drive, deduct £20 per person from prices shown.

9 fabulous locations, 10 great hotels.

Bournemouth

Llandudno

Newquay

Weymouth

Weymouth

Bournemouth Sands

Somerset Hotel

Barrowfield Hotel

Hotel Prince Regent

Russell Hotel

Isle of Wight

Scarborough

Torquay

Blackpool

Lake District

Daish’s Hotel

Esplanade Hotel

Devonshire Hotel

North Shore Hotel

County Hotel

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came first at primary school and then at St Bernard’s High School for Girls at Southend on Sea in school productions.

Determined on a career in theatre, at 18 she auditioned for the National Youth Theatre and at 20 impressed early on stage at the Old Vic in her role as Cleopatra in Anthony and Cleopatra in 1965.

The result of her work with the NYT was an invitation to join the Royal Shakespeare Company. A clutch of high-profile roles followed including Diana in All’s Well That Ends Well and Rosalind in As You Like It. She also appeared in touring productions, all the time adding to her reputation both for acting and as an independent-minded woman.

In 1970, a documentary film Doing Her Own Thing about Helen and her time at the RSC was made and shown on TV. Throughout the ‘70s, she was often offered roles that showcased her feisty, passionate nature and she became a favourite in West End theatres.

In 1972, she was famously dubbed “the sex queen of the Royal Shakespeare Company” by the BBC’s Michael Parkinson.

In 1977 at the RSC in Stratford and the following year at the Aldwych Theatre, she played a steely Queen Margaret in the three parts of Henry VI. In 1979, she was winning praise as Isabella in Measure for Measure.

Helen Mirren A NATIONAL TREASURE TO describe actress Helen Mirren as the Queen of British theatre and film would definitely not be far from the truth.

After all, Helen, now 75, has played a queen on film a total of six times and Queen Elizabeth II twice. In fact, she is the only actress to play both Queen Elizabeth I and II and won a BAFTA for her role as the latter in the 2006 film The Queen about the aftermath of Princess Diana’s death.

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Perhaps she was always meant to play such regal roles as, although born into a working class family, her paternal grandfather was a Russian diplomat and her great, great, great, great grandfather was Field Marshal Kamensky, one of the Russian heroes of the Napoleonic wars.

Helen Lydia Mironoff – her father changed the family name to Mirren by deed poll – she was the second of three children. Her introduction to acting

Probably inevitably, she made a breakthrough on Broadway and was subsequently twice nominated for Tony Awards as Best Actress. Later, in 2015, she won a Tony as Best Actress playing Queen Elizabeth II in The Audience which also won her an Olivier Award in the US, joining luminaries like Ingrid Bergman, Dame Maggie Smith and Al Pacino.

Alongside her enviable theatrical career, Helen has appeared in a large number of films. Early on, these included A Midsummer Night’s Dream, Age of Consent, O Lucky Man! and Caligula.

Pivotally, in 1980, she starred with Bob Hoskins in The Long Good Friday which really made film audiences sit up and notice her. Excalibur, 2010, White Nights, The Mosquito Coast and When the Whales Came followed.

Her film repertoire was wide: The Madness of King George, Some Mother’s Son, The Prince of Egypt, The Cook,

CELEBRITY INTERVIEW | 50 PLUS MAGAZINE National Treasure: Book of Secrets, Inkheart, State of Play,The Last Station, Greenfingers and The Pledge continued her on-screen presence. Her latest film releases include The Good Liar, a crime thriller with Ian McKellen, and a couple more projects held up by Covid look set to enhance her reputation in 2021 and beyond.

She has won a whole cabinet-full of awards and in 2014 received the BAFTA Fellowship for lifetime achievement. She was made a Dame Commander of the Order of the British Empire in the 2003 Queen’s Birthday Honours List for her services to drama. In 2014 she received the BAFTA Fellowship for lifetime achievement The Thief, His Wife and Her Lover. But TV also beckoned and in 1991, she took on the iconic role of Detective Chief Inspector Jane Tennison in Prime Suspect.

Tennison, one of the first females at her rank in the Greater London Metropolitan Police Service, had been created by writer Lynda La Plante. Tennison rises to the rank of Detective Superintendent, confronting institutionalised sexism in the police force while solving complex crimes.

The no-nonsense role was made for Helen Mirren who put her special stamp of acting excellence on Tennison. The series ran until 2006 and, still today, re-runs reveal her consummate skills in both acting and holding an audience – even one in its millions and at home.

As her reputation grew, she was offered more and better roles, sometimes glamorous, sometimes dowdy. In 2001 she appeared in Gosford Park with Maggie Smith and took a starring role in the inspirational Calendar Girls in 2003 with Julie Walters and a cast of actresses that resembled a Who’s Who of the nation’s best.

The Clearing, Raising Helen and Shadowboxer continued to enhance Helen’s glittering career. In 2006, she took on the role of Queen Elizabeth II in the film The Queen, providing a mesmerising performance of the monarch at a particularly tough time for the royal family and the nation. No-one was surprised when it swept the awards’ board.

Her private life has often mirrored the fascination of her on-screen roles. She lived with actor Liam Neeson for four years after meeting him on the set of Excalibur in 1981 and met her husbandto-be Taylor Hackford when he directed her in White Nights in 1985. They married later in the Scottish Highlands with Hackford dressed in a traditional Scottish tartan kilt.

She is stepmother to Hackford’s two children but has never had children of her own, reportedly stating:

“I am so happy that I didn’t have children.Well, you know, because I’ve had freedom.”

She is plainly her own woman, a brilliant role model for older females and regularly speaks her mind. When she became a Dame, she stated:

“In England, it’s a big deal.

I do feel like it’s a great honour.

“But I had to think about it quite seriously for a couple of weeks. It does sort of squash you into the establishment thing. In the end, my base feelings got the better of me. I succumbed to pride.”

Helen Mirren is obviously making every decade of her life as memorable as possible, and still plans to – for which her many fans around the world are eternally grateful.

Written by Angela Kelly.

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FINANCE

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50 PLUS MAGAZINE

A SECURE FUTURE WITH

EQUITY RELEASE? THESE days we have to look at a variety of ways to raise cash and ensure that our future will be secure and one popular way for anyone over 55 to do just that is via equity release, which offers the chance to access the cash – the equity – tied up in your home. It can be as a lump sum or in several small amounts, or a combination of both.

There are two equity release options: lifetime mortgage and home reversion.

The Money Advice Service explains that a LIFETIME MORTGAGE means that you take out a mortgage secured on your property, provided it is your main residence, while retaining ownership.

You can choose to ring-fence some of the value of your property as an inheritance for your family or you can choose to make repayments or let the interest roll-up. The loan amount and any accrued interest is paid back when you die or when you move into long-term care.

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Most people who take out equity release use a lifetime mortgage. Usually you don’t have to make any repayments while you’re alive and interest “rolls up” (unpaid interest is added to the loan), meaning the debt can increase quite quickly over a period of time. However, some lifetime mortgages do now offer the option to pay all or some of the interest. Some will let you pay off the interest and the capital.

In the same way ordinary mortgages vary from lender to lender, so do lifetime mortgages, and if you’re looking at this option it’s worth knowing that the minimum age for this is usually 55. As we’re now all living longer, the earlier you start the more this is likely to cost in the long run.

The average borrower in their late 60s can usually borrow around 35% of the value of their home, but how much can be released is dependent on your age and the value of your property. The percentage typically increases according to your age when you take out

the lifetime mortgage, while some providers might offer larger sums to those with certain past or present medical conditions. Many lenders offer interest rates which are fixed or, if they are variable, have a “cap” or upper limit which is fixed for the loan’s duration.

Check whether the product has a “no negative equity guarantee” This means that, when your property is sold and agents’ and solicitors’ fees have been paid, even if the amount left is not enough to repay the outstanding loan to your provider neither you nor your estate will be liable to pay any more.

Consider whether you can pay none, some or all of the interest. If you can make repayments, the mortgage will be less costly. However, with a lifetime mortgage where you can make monthly payments, the amount you can repay might be based on your income. Providers will have to check you can afford these regular payments.

Look at whether you can withdraw the equity you’re releasing in small amounts, as and when you need it, or whether you have to take it as one lump sum. The advantage of being able to take money out in smaller amounts is you only pay the interest on the amount you’ve withdrawn. If you can take smaller lump sums, check if there is a minimum amount.

It’s also worth finding out if you have the right to move to another property, subject to the new property being acceptable to your product provider as continuing security for your equity release loan, as different lifetime mortgage providers might have slightly different thresholds.

A HOME REVERSION involves you selling part or all of your home to a home reversion provider in return for a lump sum or regular payments.You have the right to continue living in the property until you die, rent-free, but you have to agree to maintain and insure it.

You can ring-fence a percentage of your property for later use, possibly for

inheritance - the percentage you retain will always remain the same, regardless of the change in property values, unless you decide to take further cash releases. At the end of the plan, your property is sold and the sale proceeds are shared according to the remaining proportions of ownership.

You will get a lump sum or regular payments – normally between 20 per cent and 60 per cent of the market value of your home, or the part you sell.

With home reversions, it’s worth checking whether or not you can release equity in several payments or in one lump sum and the minimum age at which you can take out a home reversion plan. Some providers insist you’re at least 60 or 65 before you can apply.

Keep in mind the percentage of the market value you will receive. This will increase the older you are when you take out the plan but might vary from provider to provider.

Also check whether you have the right to remain in your property for life or until you need to move to long-term care, provided the property remains your main residence

and you abide by the terms and conditions of your contract.

Again, check whether you have the right to move to another property, subject to the new property being acceptable to your product provider as continuing security for your equity release loan and whether the product has a “no negative equity guarantee”.You will also need to know what level of maintenance you’ll be expected to carry out and how often your property will be inspected – this could be every few years.

Overall, equity release might seem like a good option if you want some extra money and don’t want to move house, but it’s worth bearing in mind that equity release can be more expensive in comparison to an ordinary mortgage. It’s also worth considering any additional changes taking out equity release could make to existing arrangements, with the potential to lose means-tested benefits being key among them. It’s also worth considering involving your family throughout the process, as any equity taken out of the home will impact their inheritance later down the line.

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Tax-free cash to spend as you wish

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No monthly repayments required

Speak to one of our advisors for your free, no obligation quotation and to find out how much tax-free cash you can access to spend as you wish. They will explain how equity release could affect the amount of inheritance you can leave and if your entitlement to means-tested benefits could be affected now or in the future.

Equity release may involve a home reversion plan or a lifetime mortgage which is secured against your property. To understand the features and risks ask for your personalised illustration. Equity release requires paying off any existing mortgage. Any money released, plus accrued interest, would be repaid upon death or moving into long-term care. Only if your case completes would a typical fee of 2.25% of the amount released be payable (minimum £1,695).

1 You only continue to own your own home with a lifetime mortgage. *UK’s No1, based on volume of plans, source: Touchstone data 2018 - Q2 2020.

To find out how much money you could release and to request your FREE guide call

Freephone 0800 141 3628 Age Partnership Limited is authorised and regulated by the Financial Conduct Authority. FCA registered number 425432. Company registered in England and Wales No. 5265969. Company address: Age Partnership Limited, 2200 Century Way, Thorpe Park, Leeds, LS15 8ZB. VAT registration number 162 9355 92.

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We believe that everyone deserves a luxury bathroom and we are proud toAlbert stock some of 2 Carlton Buildings, Street, the finest global brands in bathroom design.

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If you are looking to start your next project our in-house design team will work with you to design a room which truly speaks to your style and tastes, making it the favourite room in your home.

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We sell full bathroom suites, tiles, mirrors, storage solutions, furniture and brassware and have an extensive range of products available to view in our showroom and we also specialise in bespoke wet floor shower areas. Everything we stock is of the highest quality and is, ultimately, timeless in its design.

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HOME | 50 PLUS MAGAZINE staircase, or drape with a selection of Christmas foliage such as spruce, holly and berries. Subtly interweave warm fairy lights around your stair bannister as a classic and gorgeous alternative approach.

CHRISTMAS

The living room… Consider your current living room furniture, wall art and décor to make sure your Christmas scheme complements what already exists in the room, whether that be contemporary or more traditional. If you aren’t lucky enough to have a roaring fire but have an empty fireplace, place natural logs in the space add lush winter greenery, or layer pine, spruce and juniper together to form a garland with ribbons for a pop of colour to place above your fireplace.

Drape soft welcoming folded blankets across the back of the sofa ready to cosy up with to watch your favourite Christmas movie.

HOME DECORATING TIPS This Christmas will you be opting for traditional Christmas classics like red and plaids, or will you choose a modern aesthetic of all whites and silvers or golds?

The team at Kebbell share the latest trends and what makes their own homes feel gorgeous in the festive season.

By The Team at Kebbell

Trees first… Play with assorted sizes of Christmas trees and branches across the house, from larger Christmas trees in the living room and entrance hall to gorgeous Christmas branches throughout other rooms. Each could be decorated to coordinate with colours of individual rooms with mini wrapped presents under each tree to build the excitement. The important part is having an eye for detail and space.

Entrance to your home… Choose a stunning winter bouquet like winter honeysuckle or jasmine, pansies or Christmas roses for the hall table, or opt for beautiful Christmas plants like poinsettias, ivy and mistletoe to bring Christmas through your door.

The stairs… If you like to make a statement, tie elegant individual baubles with pure white or red ribbon down your

The dining room… Decorate your table with stunning candles but opt for fragrance-less ones in the dining room so as not to overpower your gorgeous wintery cooking. Choose between decadence with an oversized designer candle surrounded by pinecones as your centrepiece, or sleek Scandi style with small white candles tied up with silver or gold ribbon scattered across the table.

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The kitchen… Avoid clutter in this room but stock up your cupboards with delicious Christmas spices, like cinnamon, ginger, cloves and nutmeg. Be the perfect festive host by having Swiss style hot chocolate, mulled wine or hot spiced apple punch ready on the cooker for when guests come.

The garden… Place elegant lanterns along the path to your house to welcome guests coming to visit in the festive period.

If you have an outdoor Christmas tree or different foliage that will look equally gorgeous drape it in cascading white fairy lights, or plug in a Christmas tree made out of lights and enjoy watching it glisten every evening in the winter.

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The bedrooms… Make a stunning small winter display in a glass bowl with baubles, twigs driftwood, pinecones, dried oranges and cinnamon sticks for your dressing table and hang home-made wreaths on the bedroom doors. Be creative with up-cycled glass bottles with fairy lights in them.

Bring out special Christmas bedding in the children’s bedrooms.

The bathroom… It is a little tricky to make a bathroom feel festive without creating clutter. Look for a soap and hand cream set that incorporates Christmassy scents like gingerbread, cinnamon and star anise. Light candles to create a lovely soft glow in which to indulge and unwind in a long steaming bubble bath and reach for red fluffy towels, hand towels and facecloths which can be brought out each Christmas.

The study… Decorate the study with poinsettias dotted around the room or go for glamour with brass or gold decorations.

Start a competition for the most stylish workspace with your colleagues if you are all working from home this December. www.kebbell.co.uk

HOME | 50 PLUS MAGAZINE

CREATING A COSY HOME THIS WINTER MORE time to become acquainted with our homes this year is likely to have a knock-on effect this Winter when we look at fuel bills vs keeping cosy.

According to energy and solutions provider E.ON, 49 per cent of Brits have become more concerned with having sustainable solutions since lockdown and subsequent coronavirus restrictions made us spend more time at home.

Finding ways to make your home warmer when the nights draw in will be reflected in your regular bills this Winter so it’s well worth taking a good look at every aspect of your home’s energy.

Architectural designer and TV presenter Charlie Luxton’s clever ideas for a more

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sustainable long-term include switching to an ENERGY provider with electricity backed by 100 per cent renewable sources, like E.ON3.

For good consumption, install a smart meter. They come with an in-home display that shows you how much energy you are using. “This is a great way to track your energy so you can adapt and become more efficient,” says Charlie. “Be warned – watching the little screen can become addictive!”

Technology has also given us LED bulbs so look at your LIGHTING and go for any of the wide range of light fittings that no longer give a cold harsh light.

“Every one of your bulbs should be replaced with an LED bulb (unless your lighting fixture says you shouldn’t) as they are most energy efficient and hep you save on your energy bills,” states Charlie, adding: “But be sure to turn off the lights when not in use.”

On WATER usage, he suggests considering changing your showerhead to a low-flow aerating one. “These add air into the water flow and can significantly reduce the amount of water used in a shower without impacting on your enjoyment,” explains Charlie.

“To also help reduce water waste at home, change your loo cistern to a low-flush version or if you have an older loo you can retrofit a dual flush.”

Take a good look at your BOILER. If it’s more than 12 years old, Charlie reckons “it’s likely time to consider a replacement.

New boilers are much more energy efficient, meaning there is less waste coming from your home which benefits the planet and your wallet.”

Heat can often be lost from CRACKS and SEALS around your home so seal up all the unwanted cracks and holes around your home as this is a major culprit of heat loss.

“Look around windows, doors, floors, walls and roofs,” he says. “These are key areas that ned to be sealed and to maintain proper levels of ventilation. To create an even healthier home, you could consider installing a Mechanical Ventilation Heat Recovery (MVHR) to clean pre-warmed air to your living spaces and extract any stale or damp air.”

For longer term results, it’s important to have the right INSULATION to ensure you are effectively heating your home all year round. “In a typical home, the biggest area of heat loss is through the walls,” states Charlie.

“By insulating externally or internally – either of which may have a slight impact on the size of some rooms – you will transform the warmth and comfort of your home.”

He also advises 300mm of loft insulation as “a great starting point – this is a cheap and easy solution to efficiently retaining warmth.” Modern houses may have 50mm of insulation but at least 100mm of wall insulation is optimum.

WINDOWS are an obvious area for heat loss. So, if you’re replacing windows, go for high-performance triple glazing where possible. Says Charlie: “These will help to insulate your home, be draught-free and will feature noise reduction qualities.”

Generate your own low-carbon energy for your home by considering installing PV (photovoltaics) panels on your roof.

SOLAR PANELS use the sun’s energy to power your home, “helping you to be more sustainable while also helping the planet,” states Charlie. “They are especially useful if you’re planning on investing in an electric vehicle or home battery storage.”

As well as major changes, there are plenty of minor ones you can make to your home to be warm and cosy. Using RUGS on wooden and tiled floors not only adds the illusion of warmth but actually makes a room warmer – just stand on it in your bare feet to test that theory!

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HOME | 50 PLUS MAGAZINE

Invest in thick CURTAINS, preferably lined, to help keep the heat in and the cold out. They also look cosier, especially curtains that run to the floor – unless they cover the radiator and your expensive heat!

Nor do curtains have to be just for windows. A thick curtain over the inside of an outside door adds another layer of protection against chilly winds and can certainly make spaces look cosier.

FIREPLACES come into their own at this time of year. A really smart fireplace is not only a focal point in a room but what finer antidote to howling wind and rain outside is there than cosy flames?

You can now buy all kinds of fires that mimic the genuine fuel fire (although they are still fabulous) in various shapes and sizes and if there is only one addition to your home this Winter, a new central fire can make a fantastic difference.

22

Ensure DOORS fit properly. Sometimes, simply re-hanging them helps but check you don’t need draught excluders to keep the heat in and the cold air out. Investing in a new front and/or back door may well be enough to dramatically alter your home heating anyway and stop the wind whistling through your home!

Putting a THROW on your settee in the Winter is an easy way of adding warmth when you’re sitting comfortably watching Netflix. Invest in a few matching cosy CUSHIONS which add warmth and style to your living room.

And if you’re not sleeping well in the Winter months, it may be that you need more weight in your BEDDING so look at using a thick eiderdown or oversized throw to let you cosy down into bed. Sweet dreams!

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Have you reported your changes?

Council tax reduction or housing benefit Report a change of circumstances If you receive council tax reduction and/ or housing benefit you must tell us straight away if your circumstances change.

If you do not tell us within 21 days depending on the circumstances you may be fined £70, or your benefit amount could be affected.

Changes we need to know about include:

• changes to your income or capital • someone moving into, or out of your household • changes to income or capital belonging to anyone in your household • moving home, or into a different room if you live in a shared property • changes to the amount of rent you pay

You can report your change online at: www.kirklees.gov.uk/changecircumstance

Registered Charity No.512987

Kindly sponsored by

Make a dedication to remember someone you love and donate to help The Kirkwood Support Life for people affected by a life limiting illness in your community.

To make a dedication, visit: thekirkwood.org.uk/lightupalife or call: 01484 557911

We are still here for you.

Our nurses are still working in every corner of Kirklees, providing care and support to the most vulnerable in your community.

If you or someone you love is affected by a life limiting illness and needs support, get in touch by calling our 24/7 Advice Line on:

01484 557910

To make a donation, fundraise or find out more about how The Kirkwood Support Life in your community, get in touch by calling:

01484 557900

26

Registered Charity No.512987

Smile Denture Clinic REPORTER SERIES

Reporter Series Thursday, January 25, 2018

Denture wearers can getatitthe right theClinic new Smile Clinic Denture wearers can get itatright at the new Smi Denture wearers can get it right new Smile ADVERTISING SPOTLIGHT

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Clive Walkden Dip CDT RCS (Eng) at Did you know most denture the latest generation of handSmile Denture Clinic use the latest wearers struggle daily with crafted natural-effect teeth, generation of hand-crafted naturalthe problem of loose and the highest-grade denture effect teeth, the highest-grade denture materials and the latest uncomfortable dentures? materials and the latest denture denture technology.

Badly-designed dentures technology.

Recognised as two of the UK’s not only cause this discomfort Recognised as one of the leading clinical dental technicians, David and Clive each have 41 years’ but can greatly affect a UK’s leading clinical dental denture design, thousands of happy denture wearer’s confidence technicians, David has 41 years’ patients and a trusted reputation and appearance, causing denture design, thousands of as being the denture wearer’s first choice when it comes to providing that premature aged look so happy patients and a trusted comfortable, natural dentures that expert with the right often associated with wearing reputation as being the denture optimise fit, function and comfort. skills and experience. dentures. wearer’s first choice when it comes to Smile Denture Clinics put their customers in control of cost and

If you’re Well it doesn’t have to be providing comfortable, natural dentures that treatment by offering a complete considering having new that way at Smile Denture optimise fit, function and comfort. range of denture options, from entry dentures to replace an dentures, Clinic, which has recently Smile Denture Clinics put their customers level Premier replacement Prestige cosmetic in control of cost and treatment by offering old wornand outUltimate set or wish opened in Cleckheaton. dentures to their astonishing to look years younger as With today’s technology a complete range of denture options, from Dimension Dentures – sometimes THE EXPERTS: Get your dentures right with David Coates and Clive Walkden. a denture naturally want facelift the best– as well entry level Premier replacement dentures, are fantastic solutions for most denture and the a denture environment fastest wearer, youcalled badthere design. as implant stabilised Towearers’ design adesires successful denture frompossible environment anddenture the or problems, full treatment.care, a safe and hygienic Prestige and Ultimate cosmetic dentures treatments for ultimate confidence.

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customers, it’s no wonder denture wearers trust David Coates to help them feel more confident with a great appearance and live their denture wearing lives to the full.

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As one of the UK’s most experienced Clinical Dental Technicians with 41 years denture design experience gained over thousands of happy happy denture wearers across Yorkshire, denture expert David Coates CDT RCS can personally handcraft individually designed, hi-quality, natural customers, it’s no wonder denture wearers trust David Coates to help them looking dentures that optimise Fit, Comfort and Function and are as individual as you, perfectly reflecting your gender, character and personality feel more confident with a great appearance “ and live their denture wearing lives to the full. Hi-Quality Denture Service that you can SMILE about A Dedicated,

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27

KIRKLEES & CALDERDALE’S ONLY FULLY PRIVATE CARE HOME WELCOMES GUESTS POST COVID Angelcare Residential Living, Kirklees & Calderdale’s only fully private care home, has opened to guests following a significant refurbishment of an iconic building.

Angelcare Residential Living marks the revitalisation of an iconic building, previously Ingwood Restaurant, a popular attraction during the 1970s and 80s. The building had since served as a care home from Eldercare.

Now, following a £500,000 refurb, the only fully private care home in Kirklees and 28

Calderdale, they will be providing several services including dementia care, short term stays for those recovering from surgery, and full live in care for those who require it.

“Our goal is to provide a luxury, all-inclusive holiday experience for our residents, and help them maintain as much autonomy in their lives in a comfortable environment”.

The heads of the home, Thomas & Zoe Enefer are no strangers to the industry. As the family behind Angelcare, a home care provider who work with people across Calderdale, Kirklees, and Wakefield, they have three generations of experience and have worked with local authorities and healthcare providers for over 18 years.

Having previously only looked after people in their own home, the opening of Angelcare Residential Living provides an opportunity for those requiring a more comprehensive service.

The ongoing COVID-19 pandemic pushed back their initial planned opening date, but the team are happy for the delay as it has allowed them to review their existing infection control procedures and further improve the overall experience for guests.

“We’re delighted to finally open our doors to visitors and guests, after several months of disruptions due to the pandemic” Thomas commented. “As a family run company that has been looking after those most in need in our community for almost two decades, to be able to have our own home is a way to provide even more”.

“It’s no secret the impact the virus has had on care homes” Thomas added. “Thankfully, during the design stage we had an infection control consultant come and design our systems, ensuring that they are second to none. This meant we had to implement no additional measures. Angelcare Residential Living will be one of the safest, most hygienic homes in the country, while at the same time providing all of the amenities you’d expect from a fully private care home, including an all-inclusive bar and restaurant and stunning suites for residents”.

NOW ACCEPTING ADMISSIONS

We’re delighted to announce that our first care home in Greetland is now accepting admissions and for respite and permanent stays. Completely renovated and 100% modernised, Angelcare Residential Living is Calderdale’s only all-inclusive fully private care home.

OFF ER VIRT ING U TOU AL RS

As you get older it gets harder to run your own home.

If you, or someone you love, is starting to struggle take a look around Angelcare Residential Living.

Our Victorian mansion has just had a complete refurbishment to create beautifully appointed rooms and luxury suites for both individuals and couples.

Our All-Inclusive approach provides our residents with no hidden or additional fees. These include everything from meals, haircuts, newspapers and any care you may require.

We are fully COVID safe with regular testing of staff and clients!

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s being g n i k o Bo p to taken u in ks 12 wee e advanc If you’d like more information or to arrange a viewing for yourself or a loved one, please contact us on

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 www.angelcareresidentialliving.co.uk | 116 Green Lane, West Vale, HX4 8BL 

Affordable Funeral Service

Losing a loved one can be one of life's most upsetting and distressing times. We go out of our way to help ease the worries where funeral arrangements are concerned.

Not only involved with losing a loved one is the emotional upset, but it can also be a time of financial worry and strain and we not only lend a sympathetic ear but also an affordable funeral service too.

Or maybe you see not the need for an elaborate funeral and want only a simple, low key occasion without all the fuss.

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Serving all areas

Affordable without compromising on care.

If we can help please call for an informal chat and advice

Caring Independent Funeral Ser vice

Local Caring Independent Funeral Director

Direct Cremation - £1200

Direct cremation at a fixed price inclusive of all necessary disbursements, cremation & doctors fees (no funeral service)

Low Fuss Funeral - £2050

Inclusive Funeral - £2500

• The payment of a cremation fee

• The payment of a cremation fee

• The payment of the Doctor's fees

• The payment of the Doctor's fees

• The payment of the Minister's / Celebrant fees

• The payment of the Minister’s / Celebrant fees

• The conveyance of your loved one into our Chapel of Rest

• The conveyance of your loved one into our Chapel of Rest

• The provision of the York, oak veneered coffin and gold embellishments

• The provision of the York, oak veneered coffin and gold embellishments.

• The arranging and conducting of the funeral

• The arranging and conducting of the funeral

• The provision of the hearse and necessary staff on the day of the funeral

• The provision of the hearse and necessary staff on the day of the funeral

Bespoke Funeral - £2200 • All of the above plus..

• The viewing of your loved one at our traditional chapel of rest • The leaving from a home address on the day of the funeral before proceeding to the crematorium

• The viewing of your loved one at our traditional chapel of rest • The leaving from a home address on the day of the funeral before proceeding to the crematorium • Obituary in the local newspaper • Floral tribute to the value of £50 • One family limousine

ALL OTHER FUNERAL REQUIREMENTS UNDERTAKEN AFFORDABLY

Springhead Funeral Service

7/9 Stainland Rd, Halifax (opposite Andy Thorntons)

Tel: 01422 327 382

Bradley Funeral Service 9 Copthorne Square, Bradley, Huddersfield

Tel: 01484 534 488

Pre-paid Funerals at today's prices guaranteed with Golden Leaves Funeral Plans

Please call for an information pack or informalWWW.50PLUSMAGAZINE.CO.UK chat 31

3

Escape To The Country, One Move. Many Benefits.

Coastal | Rural | Woodland

Introducing Modern Park Home Living.

Pottering around in your own private garden. Strolling along the beach or through beautiful countryside. Living in a brand new, fully furnished home that has been designed by you. And enjoying life within a safe and secure community, exclusively for the over 45’s*. Plus, part exchange and assisted move schemes to get you moved in quickly. Life just got better!

Learn more about modern park home living at one of our 26 parks across the country. *Dependent upon park rules. Contact us for confirmation.

To claim your FREE Beginners’ Guide to Park Home Living call 01933 427800 or email info@tingdene.net

www.tingdene-parks.net

01204 292308