Army&You Winter 2018

&You Winter 2018

{for everyone with a soldier in their life}

EMPLOYMENT

www.armyandyou.co.uk

PASSION INTO PROFIT

Service spouses share the secrets of their business successes MONEY

IT PAYS TO TALK

How you can reap the rewards from being frank about finances SPOTLIGHT

AGAINST THE ODDS

The marathon mum who put paralysis in its place ARMY&ME

THE BRAT PACK

How the Army inspires singer Annabel Allum

The cost of serving Explore the money matters affecting Foreign & Commonwealth families

‘I WAS SHOCKED BY HOW MUCH RUBBISH THERE WAS’ Ten-year-old Josh tells us why he launched a litter pick near his Catterick home

THE MAGAZINE OF THE ARMY FAMILIES FEDERATION

Buying a new home now even easier

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es e rc siv Fo clu ex

Are you in the market for a new home and looking for the best purchase package out there for Armed Forces personnel?

Bovis Homes has developments throughout England, including a number that are close to major military bases, where we have a range of homes from 2 to 6 bedroom properties in attractive locations.

For further information about the schemes and where we are building, please go to – bovishomes.co.uk The Armed Forces purchase scheme is listed within the ‘Need help to Move’ section and you can find the nearest development to you through our ‘search for a new home’

Help to Buy Equity* – get a Government equity loan of 20% of your new home’s price and pay just a 5% deposit!

It’s the winning combination to unlock the door to your dream home!

bovishomes.co.uk

*The Bovis Homes Armed Forces Discount Scheme has specific terms and conditions. Help to Buy Equity Loan has specific terms and conditions and are subject to affordability criteria as prescribed by the Homes and Communities Agency and the Ministry of Defence. Armed Forces Help to Buy scheme is currently unavailable and under review by the MoD. Please check with the appropriate administrator within the relevant service. †Bovis Homes specify the curtains, carpets and flooring offered within the scheme. Cannot be used in conjunction with any other offers or promotions. Please ask your sales advisor for further information. Photograph shown depicts a typical Bovis Homes interior. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

FROM THE EDITOR

Army&You {for everyone with a soldier in their life}

www.armyandyou.co.uk

EDITOR Charlotte Eadie editor@aff.org.uk DEPUTY EDITOR Lisa Youd deped@aff.org.uk // 01264 382314 Army&You, IDL 414, Floor 1, Zone 6, Ramillies Building, Marlborough Lines, Monxton Road, Andover SP11 8HJ AFF UK CENTRAL OFFICE 01264 382324 // us@aff.org.uk REGIONAL MANAGER SOUTH 07824 534345 // rmsouth@aff.org.uk OXFORDSHIRE/M4 CORRIDOR 07787 091883 // oxfordshirem4@aff.org.uk

Money matters

SOUTH WEST 07787 301826 // southwest@aff.org.uk SOUTH EAST 07974 970696 // southeast@aff.org.uk

ArmyandYou

CONTRIBUTIONS If you’ve got a story to tell about Army life, then let us know – email editor@aff.org.uk SUBSCRIPTIONS In your own home or private rental? Subscribe for FREE via armyandyou.co.uk – you can unsubscribe at any time via the same link or by emailing unsubscribe@aff.org.uk DELIVERY If you live in SFA/SSFA and would like to be removed from our mailing list, you can do so at any time by emailing unsubscribe@aff.org. uk or visiting armyandyou.co.uk, where you’ll

REGIONAL MANAGER NORTH & CENTRAL 07824 534357 // rmcentral@aff.org.uk NORTH EAST 07557 977141 // northeast@aff.org.uk NORTH WEST 07733 147001 // northwest@aff.org.uk WEST MIDLANDS 07557 977290 // westmids@aff.org.uk EAST MIDLANDS 07587 456280 // eastmids@aff.org.uk EAST ANGLIA 07527 492807 // eastanglia@aff.org.uk REGIONAL MANAGER SCOTLAND, WALES & NI

07585 333115 // rmnorth@aff.org.uk

SCOTLAND 07780 093115 // scotland@aff.org.uk WALES 07527 492868 // wales@aff.org.uk NORTHERN IRELAND 07729 159013 // ni@aff.org.uk AFF OVERSEAS 0044 (0)7795 596568 // rmoverseas@aff.org.uk EUROPEAN JOINT SUPPORT UNIT ejsu@aff.org.uk CANADA canada@aff.org.uk KENYA kenya@aff.org.uk BRUNEI brunei@aff.org.uk GERMANY 0049 (0)1525 7435450 // rmgermany@aff.org.uk GUTERSLOH 0049 (0)176 254 85 762 // gutersloh@aff.org.uk PADERBORN 0049 (0)1520 744 9741 // paderborn@aff.org.uk

CHARLOTTE EADIE, EDITOR K

www.armyandyou.co.uk

find our privacy policy and T&Cs PUBLISHER Army&You is published quarterly by TylerBale Communications on behalf of the Army Families Federation. Editorial content © AFF. Not to be reproduced without permission AFF Army Families Federation is a charitable incorporated organisation registered in England and Wales with registered charity number 1176393 and a charity registered in Scotland with registered charity number SC048282. Principal office: IDL 414, Floor 1,

@armyandyou

Zone 6, Ramillies Building, Marlborough Lines, Monxton Road, Andover SP11 8HJ COMPETITIONS To enter, visit armyandyou.co.uk One entry per household per giveaway. Full T&Cs on the website. Closing date is 16 January 2019.

ADVERTISEMENTS For information about advertising opportunities in Army&You, contact the team at TylerBale Communications.

Email: info@tylerbale.co.uk Tel: 01252 714870 Web: ayads.co.uk

CYPRUS (00357) 2596 2289 // rmcyprus@aff.org.uk ESBA esba@aff.org.uk WSBA wsba@aff.org.uk YOUR AFF SPECIALISTS HEALTH & ADDITIONAL NEEDS ✪ 07552 861983 // additionalneeds@aff.org.uk EDUCATION & CHILDCARE 07527 492869 // ec@aff.org.uk HOUSING 07789 551158 // housing@aff.org.uk FOREIGN & COMMONWEALTH fcsupport@aff.org.uk EMPLOYMENT, TRAINING, ALLOWANCES & MONEY ✪ 07799 045955 // etam@aff.org.uk

Post generously sponsored by ABF The Soldiers’ Charity

F

taken the first steps to starting up (page 18).

We turn the spotlight on Catterick and discover that there’s more to the Garrison than meets the eye (pages 24-25), while from overseas we’ve received a postcard from Oman (page 33).

Don’t miss your chance to win a stunning limited 35 edition watch from Col&MacArthur, or an overnight stay with dinner and breakfast at magnificent Middlethorpe Hall – see our giveaways on page 62-63.

And finally, discover our new BlogSpot – a space to give us your take on the good, bad or ugly of Army life – on pages 65-66. If you’d like to blog in a future edition, get in touch by emailing editor@aff.org.uk or via social media @ArmyandYou

✪

M

www.armyandyou.co.uk

WILTSHIRE 07527 492783 // wiltshire@aff.org.uk

LONDON 07901 778948 // london@aff.org.uk

OST of us can say that we’ve experienced money worries at some point in our lives.

For Army households, costly moves, lack of family support with childcare and fluctuations in your second income can make it difficult to balance the books.

Our winter feature (pages 16-17) highlights some of the challenges you face and directs you to avenues of support should your finances spiral out of control.

Elsewhere in this moneythemed edition, we take a look at options for your soldier’s pension, insurance, Disturbance Expense and how to claim benefits if a member of your Army family has additional needs and/ or disability. The minimum income requirement for Foreign and Commonwealth families also comes into focus (page 32).

You’ll find career inspiration on pages 20-21, where we showcase entrepreneurial spouses who are running their own businesses, and we also meet a group of Forces widows who have @ArmyandYou

HAMPSHIRE 07527 492803 // hampshire@aff.org.uk

winter 2018 Army&You 03

Queen Victoria School Raising to Distinction Admissions Deadline 15 Jan each year Queen Victoria School in Dunblane is a co-educational boarding school for the children of UK Armed Forces personnel who are Scottish, or who have served in Scotland or who have been members of a Scottish regiment.

The QVS experience encourages and develops well-rounded, confident individuals in an environment of stability and continuity.

The main entry point is into Primary 7 and all places are fully funded for tuition and boarding by the Ministry of Defence.

Families are welcome to find out more by contacting Admissions on +44 (0) 131 310 2927 to arrange a visit.

Queen Victoria School Dunblane Perthshire FK15 0JY

www.qvs.org.uk

Contents WINTER 2018

features

23 Stick Or Twist?

Swot up on the pension options open to your soldier 26 A Clean Sweep Meet the 10-year-old tackling trash in his neighbourhood 29 Our Army Family Introducing Amanda Yorke and her Canada-based family 32 The Cost Of Serving Money matters for Foreign & Commonwealth families 37 Best Practice For Pupils Learning lessons from a Welsh school's Service provision 49 Leading The Field Exploring the great outdoors on a course for Service kids

regulars

16 It Pays To Talk Reap the rewards by being frank about your finances 20 Turn Passion Into Profit Building a business? Learn from these Service spouses 24 Northern Life What's Catterick really like? We head to Yorkshire to find out 31 Learning The Lingo A look at language lessons on offer for those overseas 35 Against The Odds Meet the marathon mum putting paralysis in its place 54 The Brat Pack Musician Annabel Allum on growing up in an Army family

06 Our Specialists Find out what AFF’s team have been up to this quarter 09 A Word From...

AFF Chief Exec Sara Baade & Gen Ivan Jones 10 AFF In Action Discover the latest news affecting Army families 48 Book Club Young readers give their verdict on a tall tiger tale 62 Giveaways Win a commemorative watch, creature cards and more 65 BlogSpot Spouses share their stories of following the flag

ON THE COVER

MONEY MATTERS

The Chitedzes, who have had to get to grips withs the financial rules affecting Foreign & Commonwealth families

PAGE 32

&You

Cover image: Jerome Mpeso, JustJerome Photography

insight

Winter 2018

{for everyone with a soldier in their life}

EMPLOYMENT

www.armyandyou.co.uk

PASSION INTO PROFIT

Service spouses share the secrets of their business successes MONEY

IT PAYS TO TALK

How you can reap the rewards from being frank about finances SPOTLIGHT

AGAINST THE ODDS

The marathon mum who put paralysis in its place ARMY&ME

THE BRAT PACK

How the Army inspires singer Annabel Allum

The cost of serving Explore the money matters affecting Foreign & Commonwealth families

‘I WAS SHOCKED BY HOW MUCH RUBBISH THERE WAS’ Ten-year-old Josh tells us why he launched a litter pick near his Catterick home

THE MAGAZINE OF THE ARMY FAMILIES FEDERATION

Contemporary Catholic Co-educational 3-13

Open Morning

Saturday 9th March 2019

Register at opendays@farleighschool.com

www.farleighschool.com Red Rice, Andover, Hampshire, SP11 7PW

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@FarleighSchool

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Day & Boarding

winter 2018 Army&You 05

AFF IN ACTION

Our specialists

Our team provides families with trusted, expert knowledge and here we find out what they’ve been up to over the last few months. Turn to page three to get in touch.

Laura Lewin

Katherine Houlston

Cat Calder

Jilly Carrell

Karen Ross

Kate McCullough

Employment, Training, Allowances & Money

Foreign & Commonwealth

Housing

Education & Childcare

Health & Additional Needs

Transition

AFF has been highlighting your concerns about the higher Scottish rate of income tax since before it was introduced in April, and we’re delighted that a mitigation scheme has now been put in place for personnel affected.

A mitigation payment will be made retrospectively at the end of the 2019 tax year to anyone negatively impacted for 2018/19. Regular personnel, excluding Military Provost Guard Service, who are Scottish taxpayers and affected by a minimum of £12 for the year are eligible. The payment is capped at £1,500. Work is underway to build the functionality into JPA. In the meantime, your soldier can access details through Defence Internal Brief 2018DIB/08.

We’ve recently been contacted by two spouses who had their applications for Indefinite Leave to Remain (ILR) refused.

In both cases the spouses were in the UK with visas for five years, but they had applied early.

They were refused because they had not yet spent five years on those visas and didn’t realise that they could only apply for ILR up to 28 days before the visa was due to expire. They lost the application fee of £2,389 and there was nothing we could do to help. So, if you’re thinking about applying for ILR but are not sure if you’re eligible, please contact us first with a copy of your visa – fcsupport@aff.org.uk

Huge thanks to everyone who dialled in to AFF’s first ever Facebook LiveChat during AFF’s housing month – I really enjoyed doing it and hope that everyone found it useful.

Many of you have asked if we can run an evening session and it’s definitely something we’d like to do at some point – keep an eye on our social feed (facebook.com/army familiesfederation) for updates.

Are there any other ways you’d like to communicate with me that we don’t already cover? Please let me know and AFF will look into it. Keep in touch at housing@ aff.org.uk – I love hearing from you!

Following the Children’s Commissioners’ report on Growing Up as an Armed Forces Child, Commissioner Anne Longfield is calling for a childfocused approach to supporting them.

She said: “The mobile lifestyle of many military families can be tough, with children telling us that multiple school moves leave them feeling unsettled and anxious about achieving good grades.” Some 40 children up to the age of 15 shared their experiences, covering mobility, separation and deployment. AFF was pleased to have been involved. We’ll continue to influence key policy from the recommendations made in the report – download a copy via childrens commissioner.gov.uk

AFF receives a number of enquiries about transferring waiting lists and treatment for orthodontic care.

From your evidence, we identified the need for specific guidance and I met with the NHS England senior project manager to discuss these issues. As a result, a bespoke leaflet with information for Service families has been produced and will be distributed to all dental commissioners, the British Orthodontic Society and the NHS Choices website. You can also view it at aff.org.uk If you’re experiencing issues with orthodontic provision, please contact me at additionalneeds @aff.org.uk

Lifting the lid on transition, the latest report by the Forces in Mind Trust and the families federations, is now available online at aff.org.uk It’s the first insight of its kind into families in transition and proposes recommendations about how you could be better supported when leaving the Army.

AFF is exploring how we can continue to support you beyond the life of this project. If you have any questions or concerns about leaving the Army, please contact your local AFF coordinator or one of our specialists – see page three. Thank you to all the families who took part in the research – I couldn’t have done it without you!

If you could run your own business, what would it be?

If you could run your own business, what would it be?

If you could run your own business, what would it be?

If you could run your own business, what would it be?

If you could run your own business, what would it be?

If you could run your own business, what would it be?

A rental agency for Army families to help with the Future Accommodation Model

A donkey sanctuary. I love animals and have several of my own, so it just seems the natural next step (my husband disagrees)

A book shop café by the seaside because I love books, cappuccino and the sea

I’d go back to my days as a consultant to help organisations that have signed the Armed Forces Covenant to deliver on their promises

Event planning – because it’s varied, flexible and I love working with people

A book store with a coffee shop in it. Combines my love of reading and eating cake

06 Army&You winter 2018

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COURAGE

• INTEGRITY • RESPECT • COMMITMENT • LOYALTY • SELF-DISCIPLINE

The Duke of York’s Royal Military School DOVER • KENT

“Looking forward with confidence, looking back with pride.”

Our co-educational state boarding school for students aged 11 to 18 is located on a beautiful 150-acre site and welcomes applications from military and non-military families.

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A WORD FROM

WELCOME

Engaging with Army communities

by Sara Baade, Army Families Federation Chief Executive and General Ivan Jones, Army Director Personnel

T

HERE are key people in the one stat that particularly worries Army that are important me – 56 per cent of families do not for us at AFF to engage feel valued by the Army. This fact is with to ensure that your not new to us, but it’s worrying that voice is heard and considered – and more than half of families surveyed one of those is General Ivan Jones, feel this way. who recently took over as Personnel Director for the Army.

WHAT LIES BEHIND His remit is vast and includes THIS STATISTIC? the policy responsibility for many AFF evidence shows that many family-related issues such as of you don’t feel that your voice housing, welfare, allowances – issues is heard or considered in policy that we work with on a day-to-day developments, believing that basis. budgets drive decisions rather than Whenever we have emerging a desire to improve your lives. This, trends or escalating concerns from together with the continued lack of families, one of my first points of information, creates the feeling of contact would be either General not being valued.

Ivan or his immediate team and I’m pleased that he has agreed to WHAT CAN WE DO share this foreword with me, talking ABOUT IT? specifically about the results of At AFF we constantly champion the the recent FAMCAS – the trineed for better communication and Service annual Families’ Continuous consideration for families and we Attitude Survey. will continue to do so.

For those of you that But there’s also a very have never heard of important role for the Contact AFF FAMCAS, it’s the MOD’s Army to play in this @The_AFF own survey to gauge and that is why I’m on Twitter, families’ satisfaction with pleased to hand over Service life. to General Ivan for his Facebook, As always, this year’s personal reflection on Instagram or survey had positives and the results and plans for via aff.org.uk negatives, but there’s improvements... &

www.armyandyou.co.uk

IT is a pleasure for me as the Army’s Personnel Director to contribute to the foreword for this edition of Army&You, writes Gen Ivan.

The FAMCAS report captures well, and I recognise personally, the continued sacrifices families make supporting those of us serving in the Army. The issues of separation, employment opportunities, work-life balance and house moves are hardy perennials. I believe we have a clear responsibility to address these issues, to improve the quality of life for our families and to ensure the Army really merits the pride 84 per cent of families feel in their soldiers.

However, it is disappointing to see that only 17 per cent of our families report feeling valued and I am determined to address this. We must get much better at communicating and consulting, particularly when there is so much change that potentially impacts on you. I would value your views on how we can best speak and listen to you through the next AFF communications survey.

I intend to engage personally and regularly with family communities to ensure my understanding of your views remains up-to-date. I have also written to all commanding officers encouraging them to seize the initiative and engage better with our families. We did it superbly while we were deployed in Iraq and Afghanistan and we must regain that connection.

Finally, thank you all for the support you provide to our soldiers. I know from my own experiences that I could not have enjoyed 30 years of service in the Army without the support of my family. I also know those serving today cannot deliver the remarkable results they consistently do without your support. &

winter 2018 Army&You 09

AFF in action #AFFinvestigates Striking a balance Results from AFF’s work-life balance survey earlier this year clearly showed that many Army families are feeling the impact of their soldier’s workload. Here are some of the key findings:

68

68 PER CENT felt their soldier’s working hours had increased during the last two years

59

59 PER CENT felt their soldier’s

work-life balance had worsened during the last two years

TOP 3 BARRIERS TO A GOOD WORK-LIFE BALANCE: Short notice tasks of time away from family l Not being able to disconnect from work l

l Amount

4/5 2/3 4 OUT OF 5 people said the impact

of poor work-life balance is making them reconsider being an Army family

TWO THIRDS said that their soldier either regularly or occasionally works from home out of hours

USE OF WHATSAPP was cited as

the main reason for soldiers not being able to disconnect

TOP 3 SUGGESTIONS TO IMPROVE WORK-LIFE BALANCE l More

tolerance about unforeseen family emergencies l Ability to take time off in lieu of extra time worked l Opportunity to work more flexibly AFF has raised these issues with the chain of command and the social media policy is under review. Look out for updates on aff.org.uk

10 Army&You winter 2018

#AFFwin Fitness and families unite Families at Aldergrove, Northern Ireland have been making a splash over the last few months, largely thanks to the efforts of AFF’s NI Co-ordinator, Lucy Clarke.

After receiving feedback from families that no swimming facilities were available in the area at weekends, Lucy has been

#Goodtoknow Meeting your F&C needs Almost a fifth of AFF’s overall enquiries come from Foreign & Commonwealth families, second only to housing.

With visas, citizenship and the minimum income requirement being the top issues, cases are often complex and timeconsuming to resolve.

#Onthecase Up and running AFF’s East Midlands Co-ordinator Claire Sunderland has been helping to ensure facilities at Bassingbourn in Cambridgeshire are ready for families moving in. The site is a former RAF camp that’s been closed for five years.

When Claire was contacted by a family concerned that their quarter wasn’t

instrumental in securing funding, sorting insurances and clearances, gathering volunteers and liaising with the chain of command and Army Welfare Service.

Eight volunteer lifeguards completed their training over the summer and the pool is now up-and-running with regular sessions and classes. There’s been a great response from the Aldergrove community, with lots of families now using the facility on Saturdays and Sundays.

That’s why AFF has now appointed a third team member to join F&C Specialist Katherine Houlston and assistant Jessica Harriman. Sarah Drapper (pictured) is already in post and here to help, so if you can’t find an answer on aff.org.uk, contact the team at fcsupport@aff.org.uk

prepped ahead of their move from Folkestone, she was able to speak to the military housing liaison officer at 7 Brigade to make sure they were on the case.

A welfare facility should also be up and running by December, ready for the 60 plus families incoming next year.

Claire has liaised with Susie Lyles-Clarke, AFF’s Co-ordinator in the South East, to ensure families are kept up-to-date with developments, while AFF is now a member of the local Facebook group too. @ArmyandYou

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The mpg figures quoted are sourced from official EU-regulated test results (EU Directive and Regulation 692/2008), are provided for comparability purposes and may not reflect your actual driving experience. *Military Saving programme available to current and ex-Service Personnel. Including veterans and retired members of the UK Armed Forces. Customer savings of 4% to 20% off the Recommended On The Road price available across the Ford range (excluding KA+ and Focus RS) on vehicles contracted between 26th January 2018 and 31st December 2018 and registered between 26th January 2018 and 30th June 2019. Retail customers only. This promotion cannot be used in conjunction with other manufacturer promotions or incentives. At participating Ford dealers – for terms and conditions, including the eligibility criteria, eligible models and customer savings visit: www.ford.co.uk/militarysales

AFF IN ACTION

#Goodtoknow Applying from abroad After spotting a trend on social media, AFF looked into the correct way to apply for a university place if posted

#AFFinvestigates The Big Survey AFF’s Big Survey on housing runs until the end of November.

We’ve seen many positive policy

#AFFwin Modifying the move-out AFF has been working with the housing estate manager (HEM) in Canada to clarify certain aspects of the pre move-out and departure guides for families.

Our Co-ordinator Jo Plews

AFF’s Wiltshire Co-ordinator Carol Morris dons her hardhat to visit the new Plumer Estate in Bulford

overseas. We’ve updated our website with guidance on how to populate the ‘area of permanent residence’ section of the UCAS Registration form. Applications for 2019 entry close on 15 January for most undergraduate courses.

Search 'UCAS' at aff.org.uk

changes from evidence gathered in previous surveys. This year we’re looking at what you’d like to see in the new allocation and maintenance contract and how you’d like Army housing to look.

Have your say at aff.org.uk

liaised with AFF’s Housing Specialist to challenge some of the more stringent criteria, which have since been relaxed to a more realistic but acceptable standard for families in BATUS. Jo now attends housing meetings in BATUS to be the voice of the community. Contact her at canada@aff.org.uk

#Onthecase Ready for rebasing Building work is in full swing around the Salisbury Plain area in readiness for families rebasing to Wiltshire. Across Larkhill, Bulford and Ludgershall, 917 homes are being built along with new medical and recreational facilities, education settings and barracks.

With more than 30 per cent

of the British Army set to be located in the region by the end of next year, AFF’s Wiltshire Co-ordinator Carol Morris can expect to be very busy! Carol has regular housing meetings with DIO, Amey and other key organisations so she’s up to speed on what’s really going on. If you have any questions about moving to Salisbury Plain, contact Carol at wiltshire@aff.org.uk or tag us in a post on social media.

The AWS team in Brunei

#AFFteamwork Teen hang out, Brunei Support for teenagers is now on the agenda in British Forces Brunei following a visit to the region from Rebecca Wakefield, head of community support at the Army Welfare Service (AWS).

Rebecca met with our Brunei Co-ordinator, Karen Brodin-Coles, to discuss provision for young people and what improvements

12 Army&You winter 2018

could be made.

The good news is that Nik Turk and his AWS team in Brunei have identified a venue where youngsters can meet and relax at weekends. The team pays regular visits to the two boarding schools in Brunei to encourage students to take ownership of the project – sharing their ideas about what activities they’d like to do and how the new building will look.

It’s hoped that the new facility will be ready by January 2019. @ArmyandYou

PROTECT YOUR FAMILY’S FUTURE FOR FREE Introducing The Royal British Legion’s FREE Will Writing service Keeping an up-to-date Will is the only way to take care of your family if you’re no longer there. It is The Royal British Legion’s pleasure to help members of the Service community do this by offering you a FREE Will Writing service.

You do not have to include the Legion in your Will to use this service but if you do decide to leave a legacy to the Legion you’ll be playing a crucial role in protecting those in need within the Armed Forces community.

Even a small portion of your Estate could help us provide everything from home adaptations for an injured veteran like Mark Stonelake to specialist dementia care in one of our award-winning Legion Care Homes. Once you have provided for your loved ones, please consider helping us to be there for members of the Armed Forces family who need us.

Find out more or request a copy of our Will Guide at www.rbl.org.uk/freewills Contact the Legion’s legacy manager at freewills@britishlegion.org.uk or call 020 3207 2253

“It’s a huge comfort to know the Legion’s support will never stop.”

Mark Stonelake, who lost his left leg following an Improvised Explosive Device (IED) explosion in Afghanistan.

Choose from up to six independent family solicitors based in your area.

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News in brief 1 PROTECTING PATRIOTS FOUNDED in 1803 to assist the many casualties of the Napoleonic Wars, the Lloyd’s Patriotic Fund (LPF) is one of the oldest military charities of its kind. The fund supports charities and projects in the military sector, such as a grant for AFF’s Foreign & Commonwealth (F&C) team to provide specialist domestic abuse advice and support to a number of F&C spouses.

In the past year, LPF has donated more than £360,000 to ten charities, in addition to £87,000 to

14 Army&You winter 2018

2 BOX CLEVER long-standing partners. The projects supported by the fund are having a significant positive impact on lives, such as Walking with the Wounded’s ‘Project Nova’ which helps veterans who have been arrested, are at risk of offending, or of re-offending.

NEED HELP? Individuals wishing to apply for a welfare grant should contact their local branch of SSAFA.

THE tradition of sending Christmas boxes to our troops originated in 1914 when Princess Mary, the daughter of King George V, came up with the idea to provide everyone wearing the King’s uniform and serving overseas on Christmas Day with a ‘gift from the nation’.

Operation Christmas Box, formerly uk4u Thanks!, has continued that tradition and sends boxes around the world to all on-duty Armed Forces personnel overseas who will be away from their families and friends on Christmas Day.

Operation Christmas Box would like your help to produce a unique Christmas card for the 2019 Christmas Box. There are four categories – up to five years old; six-to-11 years old; 12-to-16 years old; and 17 years old and over.

The closing date for entries is 31 March 2019 and the prizes will be sent early in 2020.

Send your entries to Operation Christmas Box, The Teasel Barn, Belluton, Pensford, North East Somerset BS39 4JJ or email charles.wookey@ operationchristmasbox.org @ArmyandYou

NEWS IN BRIEF 3 ADDRESSING IT RIGHT

4 TRUST FOR SUPPORT

5 CALL ME AMEY

6 LEAVING A LEGACY

THE Royal Mail has issued special UK postcodes for BFPO numbers that you should use when interacting with UK-based websites. This will enable you to order items for BFPO delivery overseas but will also allow you to maintain your credit history.

If a lender is denying you credit on account of you having a BFPO address, you may need to tell them to use the BFPO postcode – not the BFPO number – when running credit searches on you.

Some lenders haven’t downloaded the right BFPO annex from Royal Mail yet, so their IT systems will not be able to recognise BFPO addresses.

THE Armed Forces Education Trust is a charity working for children and young adults whose education has been compromised as a result of their parent’s service. The grants improve youngsters’ educational opportunities and support special skills or talents.

In the last five years it has given grants of more than £1.1 million to support Service children, including giving continuity to enable them to complete their GCSEs or A Levels at their current school when their parent left the Forces and Continuity of Education Allowance has stopped. It has also paid for support for children with special educational needs.

FORMER housing service CarillionAmey has changed its name to Amey Defence Services. If you need repairs and maintenance for your SFA or you want details of the move-in or move-out process, visit ameydefenceservices.co.uk/ housing for all the details.

The phone number remains the same - 0800 707 6000 (open 24/7, 365 days per year).

Don’t forget there are also webchat and text services, you can private message them on Twitter and Facebook or email the different departments – repairs and maintenance, movein/move-out.

There’s also a language translation service if you are not fluent in English.

BY THE time the last major units leave Bielefeld, Gutersloh and Paderborn in 2019, British Forces will have been stationed in Germany for nearly 75 years.

To mark this lengthy period of overseas deployment, HQ BFG is producing a book – British Forces in Germany – The Lived Experience.

In addition to the hundreds of thousands of military personnel and families, there have been countless civil servants, teachers, support staff, doctors, dentists and nurses, engineers and project managers who have experienced life in Germany. Every one of these people has a tale to tell.

l To find out more, visit gov.uk/bfpo

l The team behind the book would like to hear from those with a story to share. Email BFGlegacyproject@hotmail.com

l To find out more, visit armedforceseducation.org

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winter 2018 Army&You 15

k l a t o t s y It pa

Money can’t buy you happiness, but when the sums don’t add up it can make you miserable.

From tackling debt to planning for life after the Army, talking about your finances can reap rewards. Jill Miss on reports…

S

ITTING down for a brew with a friend, you don’t want a boring chat about bills and you may be ashamed to admit you need another loan.

However, there are people to have that conversation with in confidence. Calls to SSAFA’s Forcesline have increased by 11 per cent in 2018 and debt is one of the main reasons for the surge in demand. Manager Bill Grant said: “A sense of pride and fear of the repercussions can often inhibit people from sharing their concerns which is why our policy of independent, confidential advice is so important and we operate without judgement.”

SPEAKING UP

AFF’s Money Specialist Laura Lewin agreed: “It takes huge

16 Army&You winter 2018

courage for people to ask for help and it’s often the spouse or sometimes the parent who will come to me because their soldier doesn’t want to approach the chain of command.”

While AFF staff are not trained to offer financial advice, they can listen and point you in the right direction, as can your unit welfare officer.

Colonel Mike Sykes OBE, lead for personal finance, encouraged soldiers to come forward.

“Debt can be embarrassing and sometimes they don’t want to be seen as a failure or to discuss the underlying causes for the problem,” he said.

“However, additional stresses and distractions can impact on an individual’s performance and there is a Service interest in protecting operational capability.”

It takes huge courage for people to ask for help and it’s often the spouse or sometimes the parent who will come to me because their soldier doesn’t want to approach the chain of command.

GETTING WISE TO FORCES FINANCES

Soldiers are given financial education as Colonel Sykes outlined: “There is initial guidance and some basic direction in Phase One and Two training, which is followed up in units by the provision of G1 study days and visits by SIIAP-recognised agencies.” See opposite panel.

The Armed Forces Covenant is encouraging the providers of financial services and products to be more aware of how to support their military customers.

In addition, the recent launch of credit unions for the military community offers an alternative to banks and payday lenders, with savings and loan repayments taken directly from a soldier’s salary. @ArmyandYou

FEATURE

www.armyandyou.co.uk

whether that is savings and pensions or mortgages, credit cards and loans, to agree a best course of action together.”

Advisers at Forces Family Finance all come from military households, so can relate to their customers.

Director Nadine Monks said: “Often clients are unsure of their next posting or career move and how this will impact on income and outgoings; some have a small window to get things sorted before having to go away and some couples find it difficult to be in the same place to discuss important decisions.”

Army&You asked families how their unpredictable lifestyle had an impact on their ability to budget and save.

Wendy’s husband was posted from central London to Windsor and stopped receiving London

SEEKING HELP

Financial planning is essential for every Army family and information is available on the MoneyForce website which offers an interactive budget planner, credit card calculator and home buying tool.

Senior adviser Katy Lewi said: “There are tips on how to save, what to do in a crisis and how to manage your money before, during and after you leave.

“Whether you’re looking at ways to maximise income or considering debt options, the sooner you approach us, the sooner we can help and remove some of that pressure.” &

USEFUL LINKS Search ‘financial top tips for Service personnel’ and ‘allowances for Service personnel’ at gov.uk Search ‘benefits calculator’ at army.mod.uk MONEYFORCE moneyforce.org.uk CITIZENS ADVICE citizensadvice.org.uk MONEY SAVING EXPERT moneysavingexpert.com MONEY ADVICE SERVICE moneyadviceservice.org.uk NATIONAL DEBT LINE 0808 808 4000 or nationaldebtline.org TURN2US turn2us.org.uk ROYAL BRITISH LEGION BENEFITS AND MONEY ADVICE SERVICE britishlegion.org.uk/getsupport/finance STEPCHANGE DEBT CHARITY stepchange.org ENTITLED TO FOR BENEFITS CALCULATORS entitledto.co.uk JOINING FORCES CREDIT UNION joiningforcescu.co.uk SERVICES INSURANCE AND INVESTMENT ADVISORY PANEL siiap.org FORCESLINE 0800 731 4880 or ssafa.org.uk Your soldier can view the financial awareness and debt management page on the Defence Intranet.

The Army produces ‘Self-Help Debt Guide’ for personnel and their families, available on DII. winter 2018 Army&You 17

Some names featured in this article have been changed

Army veteran Andy White is project manager of the Barclays Armed Forces Transition, Employment & Resettlement programme.

He said: “Due to their unique circumstances, soldiers do not always have the time or tools available to deal with their everyday finances.

“We run bespoke money skills sessions covering topics including savings and investments, mortgages, pensions and debt.”

Some spouses can benefit from attending seminars in their workplaces, as Mark Hewitson from Wealth at Work explained.

“We believe individuals are put off from making decisions about financial planning because of a lack of understanding and confidence,” he said.

“It’s best to take into account all of your joint circumstances,

weighting. She said: “We were worse off because we had paid a lot less for our SFA, our house insurance increased and we had the extra costs of running a car.”

With three children at boarding school, Anna struggled to balance the books. She said: “School fees keep increasing with endless extras not covered

by CEA. “We want continuity for their education, but it feels like a trap as we have to remain mobile so my career has suffered and I can’t contribute much.”

Overseas postings can prove costly. Sarah said: “Moving abroad is more expensive than moves within the UK.” Having now moved into her own home, Sarah warned others to prepare for the financial burden: “In quarters we paid reduced rates and contribution in lieu of council tax, but now we pay full whack and we have to pay for repairs.”

Julie lost her job just after buying a house with her soldier, who was deployed in Afghanistan. She recalled: “It was devastating, but people told me to keep upbeat in blueys and on the phone, so I kept it quiet and used my savings to pay the mortgage.

“In the end I told him and he was able to divert some of his pay to me. It really highlighted the need to speak up if things aren’t right.”

ACCESSIBLE ACCOUNTANCY Chartered accountant Nadia Hossen Mamode admits that she wasn’t quite prepared when she married into Forces life.

Five years, four moves, three jobs, two children and a new patch later, she realised that straightforward employment wasn’t going to work. We chatted with Nadia to find what she’s done about it…

“MY PROFESSION was what I loved doing: speaking to entrepreneurs, advising them on how to grow their business and helping them with their tax affairs,” said Nadia. “I started ‘networking’ at the patch’s baby group, book club and knitting evening.

“My message was simple: we all have one good business idea in us and with the right support, that business can be a profitable one.”

Soon enough, prospective clients got in touch: a spouse wanted to know how to start up her business and a Service person had become an accidental landlord.

Although her first clients were local, Nadia had to make a bold decision if she wanted the business to be successful, so she took the Armed Forces Business Start-Up Course at the University of Wolverhampton.

“My nomadic lifestyle meant that I didn’t know where I would be in the future, so I set up Bee Accountancy to be fully-operational online, opening up my services with the whole of the Forces community as a core focus. I now work with spouse entrepreneurs, landlords, veterans setting up their own businesses and military charities.”

Get in touch with Nadia at nadia@beeaccountancy.co.uk

18 Army&You winter 2018

Building business skills

A

GROUP of Armed Forces widows are set to develop their business ideas thanks to a bespoke course run by start-up X-Forces Enterprise Community Interest Company (XFE).

The idea came about when X-Forces founder and CEO Ren Kapur was invited to speak at a gathering of the Army Widows’ Association (AWA).

When AWA chairman Helen Townend explained there was interest in the type of training that XFE offers, they teamed up with the Forces Pensions Society to fund a tailor-made course.

Katy Clark, who runs Little Grey Dog Design, signed up for

“I would recommend this course to anyone who has even the slightest inkling of a business idea.” the course to learn about the legal and financial aspects of running a business.

“I wanted to become a freelance graphic designer but didn’t know how to make it a reality,” she said. “I’ve learned so much. I’d never heard of things like value statements and cash flow forecasting, but I now feel confident to implement them for my business.”

STEPS TO SUCCESS

The five-step Empowering Armed

Forces Widows and their Dependants through Enterprise course covers: l Discovery: the good, the bad, and the ugly of selfemployment l Business planning: framework, learning, and planning l Coping strategies and reflection l Funding and launch: to get you ready for the market l Ongoing support – 12 months of mentoring and exchanging knowledge.

Having reached step five, Katy believes the ongoing mentoring support will be invaluable: “I now have the tools I need to develop my business and I’m excited for what the future holds.

“I would recommend this course to anyone who has even the slightest inkling of a business idea.

The course title is so accurate; I left the room each day feeling empowered with the knowledge and confidence to achieve my goals.”

To find out about future courses, contact XFE on 0207 811 3237 or craig@x-forces.com or, to be part of the Army Widows Association, visit armywidows.org.uk

@ArmyandYou

EMPLOYMENT & TRAINING

Empowering enterprise

When it comes to juggling business and Army life, mum-of-four Christine Dedman is a bit of a marvel. And the good news is she spends her working time enabling other military spouses and partners to set up their own companies and share their expertise…

L

IKE so many Service spouses, Christine (pictured right) had to get over the mild shock of being a newlywed in Germany 17 years ago, leaving behind a promising job and her London apartment.

But, as she explained, it wasn’t long before she found work: “As an excitable 20-something I made my way to the ‘dependants’ job office’ and applied for a role which set me on my career path in marketing.”

CHALLENGES

Until five years ago, Christine was able to secure work with relative ease, but on moving to a remote posting in the north west, the bubble burst.

“My husband deployed so I decided to wait until his return to

apply for work, only to be shorttoured and moved south within the year,” she said. “This is when I hit a low. Childcare was hugely expensive for my youngest and the school run took an hour. I needed flexibility with work, but found my options limited.”

Christine decided to try freelancing and signed up for the University of Wolverhampton’s business start-up programme for entitled military family members.

With her comms hat on, she felt the university could take the programme on the road to make it more widely accessible, and she became involved with promoting it.

She said: “It was from here that I began championing business start-up in the Armed Forces community. I’ve since seen more

than 700 Service family members set up in business spanning every sector and trade.”

WORKING TOGETHER

Running joint projects with talented freelancers also gave Christine the idea to start the Forces Enterprise Network (FEN), which aims to provide marketing and PR services delivered by a team of specialists from the

military community.

“I wanted others to access the same support and opportunities I had,” she explained. “We now have a Facebook page and we are building on-the-ground networking groups in garrisons.

“Becoming self-employed means I can work wherever we’re posted and support my family. Importantly I feel part of a team; we motivate and support each other and I hope that the FEN will continue to provide access to networking, employment and training opportunities for those juggling the challenges of Service life.”

Find out about the business start-up programme at wlv.ac.uk and join FEN at forcesenterprisenetwork.co.uk &

D-Day 44 Challenge Normandy, France | 5-7 June 2019 Run 44 miles or walk 22 miles as we commemorate the 1944 Allied invasion of occupied France on the 75th anniversary of D-Day.

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This three-day package includes return transport from London, two nights accommodation, all meals including a pasta party the night before and full medical and event support.

Blind Veterans UK Registered Charity No: 216227 (England & Wales) and SC039411 (Scotland).

BLESMA Registered Charity Numbers 1084189 SC010315.

Combat Stress, Company Registered in England & Wales No 256353. Charity Registration No 206002 (SC038828 in Scotland).

www.armyandyou.co.uk

summer winter 2018 Army&You 19

Turning passi n into profit Running your own business is hard work, time-consuming and sometimes risky, but it can also give you flexibility, fulfilment and independence. So how do you create a company and how do you make it pay? We spoke to entrepreneur spouses to find out the secrets of their success…

Beci Greenwood, Army wife for five years

Hannah Nicklin, Army wife and former soldier

Business: From Little Greenwoods

Business: Imagine Sew Beautiful

Reason for starting up: After becoming

Reason for starting up: The concept

(family-inspired prints)

a mum I found that I didn’t want to return to a job that I wasn’t passionate about and, with the price of childcare, it wasn’t financially viable.

I looked for something flexible so I could see my daughter hit her milestones, whilst futureproofing my career against postings.

The story so far: After reading about

the Supporting the Unsung Hero course in Army&You, I completed the start-up course. It was a big achievement, as was launching From Little Greenwoods and making my first sale.

Challenges: Juggling the business with being

a mum and looking after a household has been hard, especially when my husband is away.

Managing your finances: Living in SFA

has allowed us to save money, so I didn’t require any financial help when setting up.

The business is still in its infancy so I’m yet to see the financial rewards, but with what I’ve achieved so far I know it will happen.

Top tip: Take advantage of courses and

organisations open to you as an Army spouse.

(bespoke embroidery)

emerged from ideas from my military career.

My vision’s for a bespoke embroidery business.

@hariandfox

Erin Scarfe, Army wife Business: Hari & Fox (greetings cards) Reason for starting up: I had been

drawing one-off cards for years for friends and family, so I learnt to digitise them so that they could be printed and sold.

The story so far: We’ve moved once

already since launching Hari & Fox and I simply update my contact details. I also print all my postage at home so at the end of each day I place orders in my local post box. My husband’s work takes him away a lot, so Hari & Fox allows me to look after our baby and draw, pack orders and post on Instagram as and when I have time.

Knowing that people want to buy my work is really heart-warming.

The story so far: When I left the military,

I wanted to create a business that would challenge me mentally and professionally. The idea of retaining memories came from losing my father tragically while I was serving.

Challenges:

Time. My husband has been deployed for 21 months in the four years I’ve been running the business. Being a mum with limited support, I am focused on the business in the evenings and when they’re at nursery.

Managing your finances: Initial start-up

costs came out of personal savings. Website orders and invoices are managed through PayPal, and at shows I use a card reader.

Top tip: Embrace social media; understand

how you can use your customers to advertise your business. Don’t wait until you’re 100 per cent ready as you never get to that point!

Challenges: Having too many designs and not enough time to draw them!

Managing your finances: I self-funded my start-up with savings, but since then the business pays for itself. I don’t turn over a lot of money; all earnings are reinvested, as soon as I have raised enough money I order more stock.

s @fromlittlegreenwood

20 Army&You winter 2018

Top tip: Focus on today, not tomorrow. * Enter our Hari & Fox giveaway on pages 62-63

imaginesewbeautiful.co.uk

@ArmyandYou

EMPLOYMENT & TRAINING saradennisembroidery.co.uk

Kerri Coyne, Army wife for three years

Business: Dot Project

Business: Kerri Coyne Photography

(social technology enterprise)

Reason for starting up: I met co-

married, we were posted to Cyprus where I studied photography. I set up my business from my quarter with the beaches providing the perfect backdrop for me to capture memories for families.

background, I know that people always want their milestones photographed – I can adapt my business wherever I’m based.

Challenges: My main challenge is trying

to stand out among my many competitors, but this pushes me to be more creative.

Managing your finances:

There were some initial costs setting up. As the business has grown, I’ve invested in my studio equipment and props.

Top tip: Carry out extensive research,

know your target audience and have the passion and belief in what you do.

Sara Dennis, Army wife and former Army nurse Business: Sara Dennis Embroidery Reason for starting up: On a posting

to London I studied on the Royal School of Needlework future tutor programme, so it seemed a natural progression to teach. I started a company as I enjoy the flexibility of being freelance.

The story so far: Over 30 years we’ve

had 21 moves, so I’ve dipped in and out of jobs. Textiles have been a continuous thread throughout and some of our postings have been a great source of inspiration. Getting an outstanding achievement award for my work with Combat Stress was a real highlight.

Challenges: Some days can be overwhelming.

Managing your finances: Initially I had to invest in training, equipment and materials. I don’t suppose I’ll ever be a multi-millionaire, but then I wouldn’t have married a soldier if that was a life goal!

facebook.com/pg/kerricoynephotography

founder Annie and we immediately clicked; we started a business to increase social impact through technology.

The story so far: We support

businesses, social enterprises and nonprofit organisations to achieve social change through enabling technology.

They often lack the knowledge and confidence to use it effectively.

Challenges: The shift to Army life was challenging as our first posting was

to the Highlands. I felt that if I could make things work there then I could succeed in most situations. I accessed a lot of free business support in Scotland.

Managing your finances: In the

beginning we didn’t invest much, but we focused on the areas which would help us grow, attending events to network and upskilling ourselves. I don’t feel worse off, mostly because I am happier.

Top tip: Enjoy what you do because

you’ll never work harder than in your first years of starting a business – it’s worth it to maintain a rewarding career.

You’ll need to seek prior written consent from your local Service commander and Defence Infrastructure Organisation before you can run a business from your SFA or SSFA. Find out more at gov.uk/dio/sfa

Reason for starting up: After we

The story so far: Coming from an Army

Cat Ainsworth

Top tip: Take a day off every now and then;

starting your own business can be all-consuming.

Jo and Charlotte, Army wives

Business: Two Dandelions (social media management)

Reason for starting up:

twodandelions.co.uk

I was mentored by another Army wife who has her own marketing company. Business grew, so after meeting with Charlotte it felt right to set up together.

The story so far: We run

content creation and customer service for a range of brands.

We’re happy to pass on our expertise and would love to help www.armyandyou.co.uk

other Army spouses.

Challenges: We used to

be neighbours and could work together but since moving, we Facetime most days to keep everything organised. It can get lonely so we try to meet halfway every month as we enjoy planning face-to-face.

Managing your finances: We’re lucky that social media doesn’t have too many overheads. We now pay ourselves and reinvest in the company to cover costs.

Top tip: It’s not as scary as you think. You’ll be amazed at what you can teach yourself online.

dotproject.coop winter 2018 Army&You 21

GOT YOU COVERED

T

HE British Insurance Brokers Association (BIBA) receives calls from at least one Army family each week struggling to find the most appropriate home, motor or travel insurance

or seeking advice on insuring belongings while abroad or in transit, covering military kit and using a car on base.

AVAILABLE POLICIES There are a number of insurance brokers

who can meet your needs through policies with specific Armed Forces benefits, such as worldwide cover at no additional cost and £20,000 liability cover to meet MOD ‘licence to occupy’ requirements.

Specialist policies are often more flexible, with some allowing you to adjust levels of cover up and down at any time depending on your whereabouts or soldier’s deployment status.

BIBA’s advice is to understand what cover you need and try not to focus on the price alone.

“Some standard policies may contain exclusions or clauses that make them unsuitable, such as a motor insurance airside risk exclusion which means cover isn’t provided if you use your car in an area

designated for activities involving aircraft,” said Graeme Trudgill, BIBA executive director.

“Many families have found it difficult to find insurance online because some providers’ view is that those serving their country could be a higher or non-standard risk. However, there is suitable cover available if you go to the right provider.”

NEED COVER? To find a specialist through BIBA, go to biba.org.uk

Protected against cold and the occasional bullet During the First World War, Private Stephen Palmer was sent an OXO tin filled with treats from his brother. This act of brotherly love saved Stephen’s life when this very tin stopped an enemy bullet.

22 Army&You winter 2018

@ArmyandYou

MONEY&YOU

Stick or twist? * 22 years after the age of 18 for other ranks, 16 years after the age of 21 for officers

Staff at the Forces Pension Society (FPS) tell us their in-trays are full of questions about lump sum choices when soldiers leave the Army. Your soldier’s options depend on the pension scheme they are on and at what point they hang up their beret for the final time. All three Armed Forces Pension Schemes (AFPS) have built-in flexibilities about how certain benefits may be taken. Here’s a brief overview…

AFPS 75

AFPS 05

When leaving the Army, or after the immediate pension point*, your soldier has the option to buy an extra tax-free lump sum, paid for from their pension before tax until age 55.

Under this scheme your soldier can opt for ‘inverse commutation’ – giving up some or all of the taxfree lump sum (which is three times the pension) in order to boost their pension income. Your soldier can do this when they draw their pension, even if the pension is an ill-health pension.

Pros:

Cons:

It gives them handy tax-free cash and reduces their tax bill.

Their monthly pension income will reduce and they could lose the tax advantage if they re-join as a Regular or in certain Reserve roles. This option is not available to those invalided.

Pros: Their monthly pension income improves.

Cons: They may not live long enough to recoup the money surrendered and their tax bill may increase.

AFPS 15 EDP

AFPS 15

The Early Departure Payment scheme gives your soldier an automatic tax-free lump sum. To qualify, they must be over 40 and have served for at least 20 years. They can choose to give up the lump sum to boost their income.

When it comes to your soldier drawing their pension, they can elect to generate a lump sum payment by relinquishing up to 25 per cent of the value of their pension. Every £1 surrendered currently gives £12 back.

Pros:

Cons:

Pros:

Cons:

Their monthly income stream improves.

They have to surrender the whole lump sum and their tax bill can increase.

There’s no automatic lump sum payment under AFPS 15 so this can be a good way to secure a tax-free cash boost. It could also reduce the tax bill.

Their monthly pension income will be reduced.

Here for you Mary Petley, from the Forces Pension Society, recommends that you look into your options thoroughly.

She said: “It’s important that as a family you understand www.armyandyou.co.uk

the implications of the pension decisions made on discharge or when benefits are due, as each choice is irreversible.”

If your soldier is an FPS member and has questions about lump sum choices, contact pensionenquiries@forpen.co.uk To join the Society, visit forcespensionsociety.org winter 2018 Army&You 23

Northern life Catterick is already the largest British Army garrison in the world and over the next few years, further expansion will see it become the third-largest town in North Yorkshire. So what’s a posting there really like? AFFs North East Co-ordinator, Caroline Cossens, tells us more...

I

F YOU’VE never been to Catterick you may not realise quite how big it is – there are 12 individual units based here together with HQ 4th Infantry Brigade and HQ North East.

All new infantry recruits also come through the garrison for their initial training at the Infantry Training Centre, but what’s it like for families? One spouse explained: “My husband did his training here and hasn’t been back since, but it’s changed a lot and it’s much better than we expected, especially as our last posting was living behind the wire in a remote location.”

“I haven’t got anything negative to say about Catterick, we love it here and I’d be very happy to stay forever.”

BIG DEVELOPMENT

Over the last few years the garrison has undergone considerable change, with the new Princes Gate retail park providing a much-needed town centre. Further improvements are coming with more shops, a new health centre and in excess of 300 new Service Family Accommodation (SFA) in the pipeline. A designer outlet

opens at nearby Scotch Corner next year too.

INFLUX OF PEOPLE

Further rebasing under the Army2020 plans will see the number of soldiers and families increase, but this isn’t fazing those at garrison headquarters, as WO2 John Reynolds, military housing liaison officer (MHLO) for the area, explained.

He said: “In 2015 we coordinated the arrival and departure of no fewer than six regiments, so we’re well drilled in the organisation needed for unit moves. I’m confident we can

make the changes as painless as possible.”

Housing in Catterick is a good standard with far fewer maintenance issues than in other areas, but it’s also widely spread. John’s advice for anyone relocating here is to realise how dispersed SFA is.

He added: “Your soldier’s posting may be to Catterick but you could be housed in Catterick Village, Darlington, RAF Leeming or Northallerton up to half an hour’s drive away.”

SETTLING INTO SCHOOL

If you’re moving with a young family, there’s a wide choice of primary schools and a secondary school in Catterick, with two more in nearby Richmond.

There are plans for a free school in September 2019 to

Not so grim up north: Picturesque Swaledale is on the doorstep for families posted to Catterick; Inset: Youngsters have fun at the garrison’s Service Pupils’ Day

24 Army&You winter 2018

@ArmyandYou

UNITED KINGDOM accommodate the anticipated increase in pupil numbers with rebasing families arriving.

North Yorkshire County Council funds a unique team which supports Service children. Nickie Young, Service pupils’ champion in Catterick, said: “I’m here to connect with, and support, Service children through deployments, postings and life as a military child.

“I provide one-to-one support in school but we also hold emotional first aid courses for parents and teaching staff, a brilliant Service pupils’ day in the summer term and a Remembrance service in Ripon Cathedral.”

ACCESS TO DENTISTS

There have been some issues with accessing dental care following closure of one of the practices. More than 50 families contacted AFF, some of whom were travelling up to 30 miles to see a dentist.

We worked with the dental commissioner to ensure that families had access to information and services.

The advice is to use NHS Choices and search with your postcode; there are currently dentists within a three-mile radius who are accepting new patients.

PERFECT HARMONY

OUT AND ABOUT

Catterick is located on the edge of the beautiful Yorkshire Dales and has excellent transport links thanks to its proximity to the A1. There are good bus links to Darlington, although Army spouse Jenny noted that it is not that easy to get to Northallerton or further afield.

“If you don’t drive, accessing dentists and hospitals can be a big deal,” she said.

However, as her friend Charlie explained, there’s plenty to do in Catterick itself: “There are always lots of events and activities on offer from the Army Welfare Service and other local groups and my kids have made loads of new friends that way.

“It’s also a good area for free days out; it’s easy to walk to Richmond or take a picnic down

to the River Swale.”

Other amenities include the leisure centre, library, multiscreen cinema and even a nature reserve, Foxglove Covert – a little hidden gem tucked into a corner of the training area.

Army spouse Becka said that those living in Catterick hardly know they are in a garrison, adding: “[It] has had a bad reputation in the past, but it’s really changed in the last few years and become a much better place to live.”

Helen agreed: “I haven’t got anything negative to say about Catterick, we love it here and I’d be very happy to stay forever.”

Due a posting to the Catterick area and need some support? Contact Caroline at northeast@aff.org.uk &

The Military WAGS Choir Catterick Garrison is celebrating its eighth year of bringing together ladies who live in Richmondshire. And like so many community groups, it relies on committed volunteers to ensure it runs smoothly.

Choir and committee member Sue Gibbons says it’s all about singing, support, performing and having fun: “Our rehearsals offer the environment to make new friends and the health benefits attached to singing really have to be experienced to be understood.

“Being part of a choir can increase your confidence and you can make a difference by getting involved in its running if you want to.”

The WAGS choir is a charity run by a committee of nine volunteers, supported by a board of trustees. “I joined the choir in 2012,” said Sue. “The choir started with a small team of volunteers and it only continues to run because of the committee.

I joined the committee in 2014 because I’m passionate about the choir and love my role as PR and media co-ordinator.”

Sarah Gilbody, who was the WAGS choir event co-ordinator for two years, said: “It felt like I was able to give something back and it was going reasonably well until my husband deployed which made life pretty hectic as I was also recovering from a detached retina at the time. The committee all rallied round to support me and we even held the monthly meetings at my house so I didn’t have to find a babysitter. I offered to host additional WAGS nights, which we ending up renaming ‘Wine And Gin Sessions’.

www.armyandyou.co.uk

Picture: Caitlin Harvey

The choir is always on the lookout for new members, so get in touch if you’re posted to the area. Find out more at militarywagschoir.co.uk

choir performs at In full voice: The WAGS lburn Remembers’ ‘Co for l Hal ge Colburn Villa

COMMUNITY CHAMPION

A clean sweep

N

O ONE wants to live somewhere unloved and rubbish-strewn, so father and son Lee and Joshua Atkins (pictured right) decided to take matters into their own hands after they moved from Wiltshire to North Yorkshire.

“I was shocked by how much rubbish there was when we moved to Catterick at the end of last year,” explained ten-year-old Joshua. “One day I was walking home from the shop with my dad and said we should do something about it.”

Lee, who’s served for the last six years, added: “Our initial thought was to just go out as a family at the weekend and clear up, but we then decided we could go for something bigger if we used social media.

“That night Joshua came up with the name – Catterick Garrison Clean Up Crew – and asked me to set up a Facebook page. It grew from there.”

They set a date for the first litter

26 Army&You winter 2018

pick and by the time the day arrived the page had 200 followers.

“We’d expected about ten helpers to pitch up,” said Lee. “But there must have been more than 50 adults plus their children – it was amazing!”

The pair have been supported by Richmondshire District Council, which provided litter-grabbers, gloves

and bags and collects the rubbish. 4 Brigade HQ and individual units have lent their support too by printing off posters and providing refreshments. In the summer, the local McDonalds also got on board by offering participants a free drink.

The aim is to continue the clean-up by encouraging locals to meet up once a month at the same location.

“It’s really nice to see people coming together,” said Lee, “and it’s really helped Josh cope with the sudden loss of his brother last year and our move north.

“He’s now been nominated for the North Yorkshire Young People Volunteering Award – the winner gets £1,000 towards their project.”

If you live in Catterick and would like to get involved you can find Catterick Garrison Clean Up Crew on Facebook. &

WORTHY WINNER Josh and Lee are our winter Community Champions and win a tablet courtesy of DXC Technology

CELEBRATE YOUR COMMUNITY CHAMPION Do you have a person who works hard to improve Army family life in your area? To nominate them for this award, email editor@aff.org.uk with ‘Community Champion’ in the subject line and a summary – no more than 300 words – of why you think they should win. The winner’s story will be published in Army&You and we’ll share the others on armyandyou.co.uk @ArmyandYou

UNITED KINGDOM

SETTLING IN SCOTLAND? IT IS never too early to start planning where you’ll live in the future – and if your preferred destination is north of the border, Housing Options Scotland (HOS) is a source of help.

Through its Military Matters project, it provides housing briefs on bases across Scotland, where you can learn about your options and speak to a housing professional face-to-face.

Housing policy and practice may be different to other parts of the UK, but whatever you’re looking for, renting or buying, it can be a complicated process. The team at HOS can guide you through and highlight your financial options.

Problem solving in Wales DID you know? Armed Forces Liaison Officers (AFLOs) have been introduced in Wales to help local authorities understand the needs of the Service community. We spoke to Lisa Rawlings, former Servicewoman and now AFLO for the Gwent area, about her role…

How does your role help serving families?

I lived in Gwent for some of the time whilst I served so I’m well placed to know what’s important to serving families. There can be a lack of awareness amongst communities that don’t have a large Army footprint of the difficulties they may face on a day-to-day basis, so I work with others to help change perceptions and challenge policy.

How does this work in practice?

I’m in the process of briefing all head teachers (around 200) and within the first week I’ve had four referrals to find additional support. I also encourage schools to apply for Covenant funding.

By training local authority staff I’m able to solve many problems before they escalate. For example, one LA’s housing staff asked for discharge papers before allowing a family to register for social housing. I explained that they wouldn’t get these until after they’d left the Army and could potentially end up homeless. We www.armyandyou.co.uk

agreed that a unit email would suffice, so staff can now apply that to anyone who is transitioning.

What are the priorities when families are leaving the Army?

ADVICE AND RESOURCES If you, or someone in your family, is disabled or has a health condition, finding suitable accommodation can be even more difficult.

Trained housing professionals can help support you every step of the way to find a home suited to your needs.

A housing advice booklet, Finding a home in Scotland as a member of the Armed Forces Community, is also available at housingoptionsscotland.org.uk One member of the HOS team said: “When we’re asked when you should start thinking about your housing options, the advice we give is the day you join the Armed Forces.

“Whether you are going to have a long or short career, it’s important to think about what life will be like afterwards and a big part of this is where you will live.”

To find out how HOS helped a former Servicewoman who ended up homeless along with her two small daughters, go to armyandyou.co.uk/housingscot

Housing and education are key issues in my area. If you need social housing it’s best to apply immediately. Some LAs will backdate registration to the day your soldier joined; I’m championing the others to follow suit. Education may differ from other countries but the briefings mean that all schools in Gwent will have a greater understanding of the needs of Service children.

What do you want to achieve whilst in post?

I’m looking at current policies for housing and education to ensure that they are relevant to today’s serving personnel.

Most of all I hope to raise awareness of the Armed Forces Covenant to ensure that no one faces disadvantage because of their service. winter 2018 Army&You 27

WALK TO HELP OUR WOUNDED VETERANS Be a Force for Good and offer hope to veterans and their families this Christmas.

Meet Duncan‌ Operational tours in N. Ireland and Kosovo Struggled with alcohol and depression Suppor ted back into work and able to suppor t his son

I am looking forward to spending Christmas with my son as I can now afford to give him the Christmas he deserves.

1. Sign up Register at WalkingHomeForChristmas.com for your free Santa hat and fundraising pack.

2. Raise money Call on friends, family or colleagues to donate, join you, or do a walk of their own.

3. Get walking Walk home anywhere, anytime between 13–23 December or earlier if you prefer. The challenge is yours.

Register now at:

WalkingHomeForChristmas.com Walking With The Wounded is registered as a charity in England and Wales (1153497) and Scotland (SC047760) Help for Heroes is a charity registered in England and Wales (1120920) and Scotland (SC044984).

EXCLUSIVE

#OurArmyFamily Whether married or single, parent, partner, cousin or child of a soldier, we want you to tell us all about your Army family. Follow #OurArmyFamily on Twitter and Instagram for more stories

Amanda Yorke tells us about Army family life in Canada with her soldier Jay and sons Jared (13) and Jensen (11)...

GET INVOLVED

Do you and your loved ones want to share what makes up your #OurArmy Family? Send your details to editor@ aff.org.uk

www.armyandyou.co.uk

I married Jay in 2003 and since then we have been posted around the UK, Germany and now Canada. We have lived in Service Family Accommodation our whole married life and that can be a challenge, but it means we have a good sort out of all our belongings whenever we’re posted!

I feel proud of how resilient children of Forces families are.

Jared and Jensen have been to four different schools since they started their education and it can’t be easy for them moving to a new house and having to make new friends.

Luckily they are growing up in world full of

resources and technology, which allows them to stay in touch with friends when we are posted.

Army life can be hard.

At first I found it difficult to cope with Jay being away on exercise for anything from a week to a few months, but by the time he deployed to Afghanistan in 2008, I was used to the periods of separation and just got on with it.

I had to adapt to doing everything for those six months and be mum and dad to our sons.

There are positives – and the opportunities Army life has given our sons has certainly

balanced the negatives.

They’ve experienced things some people only ever dream of.

Here in Canada, they play ice hockey and go skiing in the winter, and in the summer we took them on a three-week road trip around America.

Our postings have been varied.

Sometimes it has been easy to make friends and there have been people living close by with children the same age as ours, but other postings have been

lonelier and that can be tough. I don’t tend to get too involved with patch life when we’re in the UK, but in Canada we live in a remote village in the middle of the Albertan prairies where the nearest town is a 45-minute drive, so I’m more involved.

My advice to anyone embarking on Army family life is to not listen to any negative comments about a posting – wait until you get there to make your own mind up.

Get involved with as much as you feel comfortable with but don’t feel pressured to take part in everything.

Be open to making new friends as it can really make a difference to a posting. &

spring 2018 Army&You 31

HOW MUCH IS ENOUGH? DISTURBANCE Expense (DE) is an issue that AFF comprehensively reported on back in 2014 following an overseas survey which suggested wide variations in actual moving costs incurred from Gibraltar (£2,000) to Canada (£9,500) and some defence attaché postings (£30,000)!

In 2016, the MOD agreed an uplift in DE for outward journeys overseas, but AFF continues to record concerns from families relating to actual relocation costs incurred overseas and in the UK.

UP FOR REVIEW

We are pleased that the MOD is reviewing DE once again. In September, Collette Musgrave, AFF’s UK & Overseas Director, was invited to engage with the Army allowances team as part of this review process.

At this stage it’s too early to

give any specific feedback, but she reports: “We were able to present evidence that we have been gathering since the last change to DE, supported by the quick polls that we ran in August. We hope to see several key points taken on board and further reviews of allowances, including Local Overseas Allowance (LOA).”

AFF has identified that some of the ten basic elements are more critical than others to modern Army families, and that the emphasis also differs depending on whether your move is within the UK, to/from overseas, or an overseas-to-overseas move. We have shared this data with the Army allowances team.

TOP ISSUES

Two of the top enduring overseas issues relate to countryspecific allowances and the costs

of shipment and buying/selling cars. AFF understands that these areas may be given further consideration as part of the rolling review of allowances.

CONFUSION

Thank you for your fantastic response to our recent DE quick polls on Facebook. They identified that there’s confusion as to what DE compensates for and its relationship with allowances such as LOA and other claimable additional expenses.

87 per cent of respondents felt that DE overseas was not adequate and 69 per cent felt DE UK didn’t cover their needs.

Comments gathered included: “Moving to Canada has been a huge expense… a massive financial impact. I think disturbance amounts should be on a sliding scale depending on location and not just a flat rate

for all.”

Another family said: “I think it should be adjusted according to the number of miles you have to move. [It’s] £1,000 to move around the corner – we have just moved over 350 miles away and £1,000 wasn’t enough.”

A number of areas were raised which are not within the remit of DE. For example, many of you commented on the cost associated with the safety of gardens; the inadequacies of ‘get you in’ packs, the cost of moving pets and implication of spouses losing their income. We will continue to push for greater clarity and communication so that families understand what falls into which allowance pot.

Keep telling us your DE concerns by emailing Money & Allowances Specialist, Laura Lewin, at etam@aff.org.uk &

03303 110 466

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30 Army&You winter 2018

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OVERSEAS

Learning the lingo Did you know if you’re posted abroad, there’s a range of language training available to Army spouses? Esther Thomas, AFF’s Regional Manager Overseas, finds out more…

T

HE Defence Centre for Languages and Culture (DCLC) and the European Joint Support Unit (EJSU) Language Survival Training both fund opportunities to learn any language spoken in the country you’re posted to – whether it be Italian or Swahili. It’s designed to help you manage everyday life, setting up home, organising local services and simple business transactions.

Army spouse Penny Ball, who’s currently based in Italy, has benefited from both pots: “I fell pregnant with our first child, who was born in an Italian hospital.

The funding has meant that I have been able to have one-to-one lessons at home throughout my pregnancy and beyond. Lessons are tailored to my needs, which have built up my confidence when meeting Italian mums as well as www.armyandyou.co.uk

helping with day-to-day living.

“I also accessed the EJSU funding for small group classes twice a week. This was a great opportunity for social learning. It has made a daunting prospect of two years in Italy into a really positive experience.”

The level of financial allowance and support available through the DCLC Spouse Language Training depends on a number of factors such as where the training is conducted and the difficulty of the language. Training should either be conducted before a posting or within the first six months of arrival in country and be complete within 12 months. Training can be face-to-face, real-time learning over the web; or a combination of both.

EJSU

EJSU’s fund, which is smaller at

€100 per-person, per-year, can be used for in-location language training delivered through a recognised provider.

Flt Lt David Robinson, from the EJSU Language Survival Training programme, explained: “The uptake varies year to year, but it’s very popular.

“The fund is allocated on a first-come-first-served basis and the budget is assessed yearly, so [you] are strongly encouraged to complete the application as soon as you know you’ll need it.”

ROSETTA STONE

EJSU HQ also holds ten different Rosetta Stone language CDs for all locations to hire for a maximum of six months once in location and there are many other free resources such as clubs and online language courses within the SHAPE international library.

If you believe you’re entitled to language training, search ‘overseas language training’ at aff.org.uk or contact Esther with any questions by emailing rmoverseas@aff.org.uk

USEFUL CONTACTS DCLC Shrivenham Call 01793 785905 or email laura. hajdini@da.mod.uk EJSU Language Survival Training Call 0032 (0) 6544 7316 or email EJSU-J7-S03@mod.uk Rosetta Stone/EJSU language CDs Call 0032 (0) 6544 2869 or email EJSU-J7-IER-Clk2@mod.uk SHAPE Learning Centre Advisor: Call 0032 (0) 6544 7808 or email shape.elc@detsa.co.uk winter 2018 Army&You 31

* For mor e useful in fo or to contact t he AF F F&C team , visit aff.org.uk

FOREIGN & COMMONWEALTH

Case study AS A result of the pay raise in April this year, serving soldier Jack is now able to bring his wife to the UK. However, he’s not earning enough to bring over his daughter as well.

Because he has an income shortfall of more than £3.5k per year, he would have to have savings in excess of £33k to bring them both over.

Jack has now managed to get a second job and is hoping that after six months he will have earned enough to bring his family to the UK. He said: “I feel we should automatically be allowed to bring our family over once we’ve completed training.

“As Commonwealth candidates, it’s tough to go through training alone and even tougher with your family thousands of miles away. While a second job will give me an opportunity to bring the family over, it’s difficult because this job alone is very demanding.

“I think it’s extremely important that the requirements for Commonwealth soldiers are reconsidered.”

The cost of serving Foreign & Commonwealth soldiers must earn a specific amount of money before they can bring their family to the UK – families must then apply to remain here permanently. Understanding these requirements and ensuring money is available when required is vital. Our F&C team answer your frequently asked questions…

BEFORE YOU COME TO THE UK What is the minimum income requirement? l £16,800 to bring a spouse l £22,400 to bring a spouse and one child l £24,800 to bring a spouse and two children l £2,400 for each additional child.

Has the recent pay increase helped?

Yes, if you don’t have children.

On completion of Phase Two training a recruit will now earn enough to apply to bring their spouse to the UK. The Home Office has also now confirmed that soldiers can apply using their backdated pay once the lump sum is received, meaning they won’t have to wait until they’ve been receiving the new salary for six months, as per previous guidance.

Can we use savings to make up the income shortfall?

Yes, but you must have a minimum of £16,000 plus five times the shortfall. If your soldier earns £22,000 but they need to be earning £22,400 to bring their spouse and child to the UK,

CLEAR CREDIT A credit union is a member-owned, financial co-operative, controlled by its members, that provides credit at competitive rates as well as other financial services.

32 Army&You winter 2018

then you would need to have £18,000 in savings (£400 x 5 = £2,000, plus £16,000 = £18,000).

Are there any other options?

Soldiers can bring their spouse to the UK and leave their children with relatives. As a spouse, if you’re able to get a job you could combine your incomes to meet the threshold and bring your children over after six months. Alternatively, your soldier could also get an additional source of income (with permission) to top up their salary.

What is the cost of the visa if we meet the income requirement?

The current cost of a visa to bring a family member to the UK is £1,523 per person (including children). If your visa is refused, you won’t get a refund.

Why isn’t there a discretion for Armed Forces families?

AFF has raised this issue ever since the income threshold was introduced in December 2013, and we continue to push for an exemption for Forces families.

Our F&C Specialist Katherine

Families have five years to save for visas once they arrive in the UK. Setting up a savings scheme through a credit union as soon as you arrive will alleviate the pressure of having to find thousands of pounds in one go later down the line.

Showing regular payments will also

Houlston said: “It cannot be right that those who have signed up to defend our nation are doing so at the expense of their family life.

“In July 2018, a brief written on behalf of a number of Service charities was given to the Minister of State for Immigration.

We await a response.”

ONCE YOU ARE IN THE UK When can we apply for Indefinite Leave to Remain (ILR)?

Under Armed Forces rules, families should be given a fiveyear visa. You can apply for ILR 28 days before your visa expires.

How much does ILR cost?

The current cost is £2,389 per person (including children) – this increases every April.

Can I get help with the cost?

No. Unless you’re on an overseas assignment when your visas are due to expire, then the cost will be paid for.

I’m struggling with finances and debt, what can I do?

Turn to pages 16-17 for a range of useful options. &

increase your chance of getting a small loan at a favourable rate.

In 2015, Joining Forces was launched to help Armed Forces personnel to save and pay off loans directly from their salary or pension at source.

Visit joiningforcescu.co.uk for more info. @ArmyandYou

A POSTCARD FROM...

Mel, serving husband John and children Annie (5) and Eva (3) tell us about their Army family life in Oman’s capital city, Muscat...

How long have you been an Army family?

Since 2012.

Time in Oman:

Since August 2017.

How many other military families live in Muscat?

There are a number of British families and unaccompanied Service personnel working for the Loan Service Team Oman.

Most live in either Muscat or Salalah, but there are also a few scattered elsewhere.

What's your quarter like?

Really nice! We live in a large four-bedroom, semi-detached villa with other Loan Service families on a compound. There’s a clubhouse and a swimming pool. The kids love playing with all the other children outside and in the pool.

Are there employment/ training opportunities?

They’re quite limited as working visas are difficult to obtain, but some of us have been able to find work. There are opportunities to learn Arabic and online study is also an option.

What about schools and childcare?

There are some very good international schools in Muscat which follow the British curriculum. My daughters go to a relatively new school close to our compound. School starts early at 7.30am and finishes at about 2.30pm. For the younger children, there are very nice nurseries. After-school care is a lot more difficult to access.

Where do Army families get together?

Muscat is a very sociable place.

There are always a number of socials in our own clubhouse and pool area that keep us entertained – we always find a reason to celebrate! There’s the annual single Service ball, held in one of the luxury hotels, and lots of other opportunities to get together. It’s what you make of it!

– in our daughter’s school there are 61 nationalities and we have made friends with many of them.

Who supports families?

The in-country Loan Service team supports us and families also support each other. It’s a great community.

What's the best thing about living in Oman?

Definitely the outdoor life.

Oman is a beautiful country with deserts, mountains, wadis, sea and much more to explore. It’s also a very cosmopolitan place

Would you recommend Oman as a family posting?

100 per cent. We fell in love with the beauty of this country and its welcoming and gentle people.

We live a peaceful life here and can provide our children with so many opportunities to explore and see the world through different eyes. Do not let false perceptions alter reality; come and experience it for yourself!

Want to share your experiences of Army family life? Get in touch by emailing editor@aff.org.uk www.armyandyou.co.uk

winter 2018 Army&You 33

CHARITY PROMOTION

Step out for those who served Lace up your shoes and pound the pavements to raise money for vulnerable veterans this winter...

W

ALKING With The Wounded (WWTW) and Help for Heroes are joining forces to support hundreds more veterans and their families who will be struggling this Christmas.

Earlier this year, the Duke of Sussex announced that more collaboration was needed within the military sector – and WWTW and Help for Heroes, who have worked together since 2012, are going one step further by teaming up on the Walking Home For Christmas campaign.

Funds raised will support vulnerable veterans, including those unemployed or struggling with their mental health.

Between 13-23 December, walkers will throw on their

Santa hats and walk the walk of their choice. Simply register on the website for your free fundraising pack and Santa hat.

The campaign, now in its fifth year, has so far raised more than £1m for veterans.

“Both our organisations are helping the same person,” said Edward Parker, WWTW CEO. “We help them in different ways. We reach them in different ways. But essentially, the veterans and their families are the people we’re all supporting. It's all about the camaraderie and the impact we know we’re having.”

Mel Waters, Help for Heroes CEO, added: “You can feel really removed from society and often need a little bit more support. We want to make a

difference together and I hope the public get behind this.”

BEST FOOT FORWARD

Need inspiration? Adam from the Yorkshire Regiment walked 220 miles from Wiltshire to Yorkshire in 10 days, taking only a bivvy bag and sleeping bag. Lee, an ex-Royal Marine Commando, has his own military fitness business. Every December he gets a group together, dogs and all, for a relaxed winter walk.

Find out more or sign up to the campaign at walkinghomeforchristmas. com – you can also join the conversation on social media using #WalkingHomeForChristmas n l

MAKE their DEBUT one to remember Bespoke publications and photography placing your little superstars in the sporting spotlight

DEBUT

FOR THOSE ABOUT TO MAKE THEIR MARK

Find out more at facebook.com/DebutUK or yourdebut.co.uk 34 Army&You winter 2018

@ArmyandYou

SPOTLIGHT

Against the odds A

RMY wife and mum-oftwo Jacqui Ponde was a primary school teacher but nine years ago whilst on a posting in Bovington, her life changed dramatically.

“On the 8 August 2009 I fell down the stairs, breaking my neck and incurring C4/5 spinal cord injury. I was paralysed from the neck down and spent the following five months in hospital.

We were told I would almost certainly never walk again.”

Jacqui was in intensive care after undergoing two major operations to stabilise her neck and decompress the spinal cord.

“My children went to live with my parents and the Army gave my husband Alan leave to be by my side during the early, very frightening days,” she explained.

COMMUNITY SUPPORT

In the months that followed during her stay five hours away in the National Spinal Injury Centre Stoke Mandeville, neighbours on the patch and members of the community offered their support; cooking for the family or putting the children to bed so Alan could drive to hospital.

“Meanwhile, in rehab I received daily letters from Army friends far and wide,” said Jacqui.

“My fight back to

www.armyandyou.co.uk

“Jacqui is a true inspiration and watching her determination to complete the long, arduous walks every day was awe-inspiring.” general health and eventually walking was an arduous one, taking several years. Even now, my injury has life-changing implications and I am required to attend hospital regularly. I miss my job and running, which was a love of mine prior to injury.”

MARATHON EFFORT

Jacqui first heard about the Jurassic Coast Challenge when a friend’s soldier husband completed it and it became a dream that if she was ever well enough, she would one day attempt it.

Posted back to Bovington two years ago – eight years post injury and in much better health – Jacqui decided it was now or never. She explained: “With the help of Sarah Wilkinson, a fellow Army wife, I put together a team of five to attempt the challenge. One of the team, Sarah Dyer, was my old running partner from when we were posted in Colchester, so it was amazing to be well

enough to attempt the three marathons with her.”

The training took around four months, but the team were determined to succeed.

“Our husbands were brilliant at strapping up feet, tending to blisters and advising us about dietary issues associated with walking such extreme distances,” added Jacqui.

Word spread in Bovington and Army wives came forward to volunteer to walk different sections of the 90 miles and help to raise sponsorship.

“Between us we raised almost £10,000 for the Spinal Injury Association, a charity which my whole family have supported since the accident and is so close to our hearts,” said Jacqui.

“People have asked how I managed to walk three marathons in three days. I applied the same determination that I had to when learning to walk again, which was the most painful and greatest challenge of my life, and I reminded myself at every stage how lucky I was to have been given a second chance.

“I took strength from my dedicated team mates. When I fell and thought I couldn’t continue, they picked me up off the coastal path. Everything was down to teamwork.”

Team member Denise Moore said she had no hesitation in getting involved, adding: “Jacqui is a true inspiration and watching her determination to complete the long, arduous walks every day was awe-inspiring. I am proud to call Jacqui my friend.”

Denise’s daughter Hannah said: “It proves that you can get through anything with enough positivity, willpower and determination and most importantly having a great support network around you.”

FLYING FUTURE

Jacqui has started her next challenge after being awarded a scholarship by the charity Flying Scholarships for Disabled People and has begun her pilot training.

“This gives me the chance to prove to myself what I am still capable of and to meet other disabled people overcoming their own difficulties,” she concluded. “It’s important to me that despite my injury, I continue to be a role model to my children.” &

winter 2018 Army&You 35

Haberdashers’ Monmouth Schools

An inspirational educational journey for girls and boys aged 7 - 18.

The perfect balance of single-sex and co-education combined with inter-school collaboration throughout our unique family of schools.

Developing rounded, grounded and unbounded young men and women.

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PAY ONLY 10% OF THE FEES, AROUND £950 PER TERM* *This applies to Service Families who are eligible for the Continuity of Education Allowance, entering the School 2018/19. Additional means-tested support, subject to availability, may be offered to families who lose the CEA.

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THINK BIG We have launched our new curriculum for the future taught from age 3, key content areas will be DESIGN THINKING Modelling, Engineering, Architecture, Urban Design, Sustainability, Product Design.

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DIGITAL DESIGN Coding, Robotics, Animation, Electronics, Film-making.

MATERIAL SCIENCE Key skills within all subjects will include critiquing work, problem solving and project management.

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36 Army&You winter 2018

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EDUCATION & CHILDCARE

Best practice for pupils A

FF’S Education Specialist Jilly Carrell visited Mount Street Infant School in Brecon, close to the Infantry Battle School of Wales, to see first-hand how it supports the large number of Service children within its community.

Out of 134 pupils and 48 preschoolers, a third are from Forces families, with a high percentage being Nepalese.

Head teacher Shan Kenchington explained: “Many pupils will have attended at least two schools before arriving with us, but because Mount Street Infants is a caring, inclusive and stimulating learning community where all our children feel safe and secure, our Service children make good progress quickly.”

SUPER SUPPORT

The school has successfully bid for the MOD’s Education Support Fund (ESF) for the past seven years to support Service pupils www.armyandyou.co.uk

on entry and ensure that their academic, emotional and social needs are met. This targeted funding has allowed the school to employ teaching assistants, one of whom is Nepalese, to help children and parents as they arrive and as they transition to other schools.

It was particularly good news for schools such as Mount Street Infants when the Secretary of State for Defence announced the extension of the ESF, on a limited basis, for two further years. The fund will consist of £3 million in 2018/19 and £2 million in 2019/20.

Jilly said: “Schools may face varied challenges with large numbers of Service children moving in and out of their classrooms, in-year admissions, arrival before year two testing, incomplete or missing records, or children who may not have English as their first language.

“It’s good to see schools

“They are a fantastic example of how a school can support Service children.”

such as Mount Street Infants working hard to make sure that the Armed Forces and school communities come together to ensure the best outcomes for our Service children.”

Millie Taylor, all Wales project officer from the Welsh Local Government’s Supporting Service Children in Education (SSCE) Wales, added: “SSCE Cymru has been working closely with the staff and children at Mount Street Infants. They are a fantastic example of how a school can support Service children [and] the staff are proactive in understanding the additional challenges Service children face. They have recently been successful with the Welsh Government’s Supporting Service Children in Wales Fund.”

To apply for funding from the ESF, keep an eye on the AFF website – aff.org.uk – for next year’s application dates. & winter 2018 Army&You 37

Pupils’ attainment is above and often well above national age-related expectations.

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EDUCATION & CHILDCARE All change: Attenborough School in Sennelager will prepare pupils for rebasing when its transition topic, introducing the idea of change and making new friends, begins in February; Below: the choir sings Bruno Mars hit Count On Me as a bonding exercise.

APPLYING FOR A SCHOOL PLACE

Prepping to go A

S PART of the Army’s Rebasing Programme, families are returning from Germany to the UK to start a new chapter. Many of you will be moving to locations around Salisbury Plain and around 1,000 school places are being created.

Many of the moves will take place during the summer months, so if you have school-aged children you will be able to move during school holidays. Children working to public exams, in particular GCSE and A-Level, will complete their courses at the same school where possible.

PLANS IN PLACE

Bishopspark School Paderborn has been preparing their pupils for the exciting months ahead and head teacher Andy Chapman has put a specialist transition team in place to prepare groups and

individuals for their next school.

“This involves contacting the new school, talking to the new class teacher, looking at the school’s website and completing an ‘all about me’ pupil booklet which is then sent to the new school,” he said. “We also ensure that all attainment and progress information is given to your child’s new school before they arrive so they can be put into an appropriate class.”

School leavers at Bishopspark receive a leaving bear and learning powers card. Cards with the school poem are signed by all the children so everyone has memories from their friends and a transition day helps pupils to discuss their feelings and to address any challenges.

“New friendships and new styles are things we can’t control in the future, but we can make sure that the children’s transition is as smooth as possible,” said Andy. “Armed Forces children seem to just have a knack of getting on with things and as a result of their experiences they become very good social communicators.”

UK-BOUND

Schools back in the UK are also making plans to welcome families.

Nicky Phillips, head teacher at St Michael’s Primary School in Larkhill, offered reassurance: “With such an influx coming to the area, we are planning support for families who are new.

Our Emotional Literacy Support Assistant is about to start a monthly tea and chat session for parents and this is something we will be developing further.”

The Wellington College Academy Trust is welcoming hundreds of Service children to Wiltshire. Executive headteacher Abrilli Phillip said: “Preparations are already well-developed to ensure that Service children of all ages have a fantastic education choice within the Tidworth and Bulford areas.

“We already have in excess of 50 per cent Service children in all our schools and we are looking forward to further developing our close relationships with the military community. We are in the process of applying for an MOD grant to help support the transition from Germany and a successful start to children’s education in the Wellington family of schools.”

If you’re moving back to the UK as part of rebasing and would like some support, contact your local AFF co-ordinator – details on page three or via the AFF website at aff.org.uk &

ADMISSIONS procedures and timings can vary depending on the type of school and the location, so if you’ve not done so already, contact schools in your new area.

Carole Rudd, AFF Regional Manager Germany, said: “We’ve been running a social media campaign to make families aware of the application dates. For year seven, families were able to apply using a unit address and the same will apply for reception/FS2 as the closing date in England is 15 January 2019.

“Any other applications can be done as an ‘inyear transfer’ and you can wait until you have your new address, which should be early March. 1 PWRR moving to Cyprus will transfer from MOD school to MOD school, so it should be straightforward.

“All UWOs also have an iHub in their office with information.”

Should you need to appeal for a school place, CEAS is a great source of help and can provide guidance for your child’s move if they need additional support.

There’s also a useful booklet to help with the transfer of special educational needs and disability children – search for DCYP at gov.uk

winter 2018 Army&You 39

GORDON’S SCHOOL A UNIQUE EDUCATION

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EDUCATION ADVERTORIAL

An All Hallows School pupil exercises their creative muscles

CARING FOR CREATIVITY T RADITIONAL wisdom

might place the “three

Rs” at the centre of any

innovative approach.

“The element of risk-taking which

comes with originality not only

time is being reduced and

exploration and discovery – the grail

investment cut.”

of learning.

The value of creativity in

“Freedom and encouragement

child’s schooling, but does a

helps our young people learn as they

preparing pupils for the workplaces

are essential features of a creative

focus on facts and figures have to

make mistakes along the way but,

of the future is equally not lost

environment and every possible

come at the cost of creativity?

by teaching them to embrace those

on St Mary’s Shaftesbury School

care must be taken that targets do

mistakes, it can foster resilience and

Headmistress Maria Young.

not inhibit this most natural and

The short answer, according to our panel, is a resounding “no”. While

a mentally healthy mindset.”

Labelling it as a “vital” component

Placing creativity at the heart

remains an enduring aspect of the

of education can be tough when

educators agree that the modern

who helps families find the right

educational landscape, nurturing

future careers seem more likely to

workplace needs problem-solving

school through his Which Boarding

their imaginations also forms a

require STEM [science, technology,

individuals who are able to think

School business, is another

significant part of the picture.

engineering and mathematics]

outside the box, to take risks and

advocate of viewing creativity and

expertise, but Yarrells School Head

to be able to see the links between

STEM subjects as complementary

Dr Trevor Richards, Head of

Sally Weber-Spokes believes that

seemingly disparate processes.

rather than contradictory forces.

Shepton Mallet’s All Hallows

not doing so is a dangerous path

School, which endorses former

to follow.

This is particularly true for

government creative and cultural

“Creative activities enable this

Education expert William Wilcox,

Explaining that he often

way of working and should take

encounters parents who want

place in all classrooms, not just the

their child’s education to provide

education advisory committee

digital world is moving fast and, as

traditional arts-focused subjects.

academic rigour in an environment

leader Sir Ken Robinson’s opinion

educators, we need to help prepare

Additionally, the creative arts

that nurtures independent, original

that “if you’re not prepared to be

young people for the pace of this

have a considerable role to play in

thought, William said: “Thinking

wrong, you’ll never come up with

change and the world they will

student wellbeing as a means of

outside the proverbial box and an

anything original”.

inhabit as young adults,” she told us.

self-expression.”

ability to tackle problems with

Dr Richards explained: “Our

“It is absolutely the case that the

of teaching, she added: “Most

powerful of instincts.”

preparing pupils for passing exams

“The temptation for schools,

Ensuring creativity is fostered

practical and innovative solutions

children need to be allowed

however, can be to narrow their

rather than forgotten is also an

will both be highly-valued attributes

to explore their creative sides

curriculums in favour of STEM

important part of the education

in the next generation of jobs.

to enable them to go beyond

subjects in a belief that this will

provided for youngsters at

straightforward regurgitation

facilitate students’ preparation for

Salisbury’s Chafyn Grove School.

than ever, a need for creativity in

of rote learning and let them

the business world more effectively.

Describing the trait as one of

the teaching of and approach to

develop the confidence to produce

“The result, although unintended,

“Arguably there is now, more

education’s “cardinal virtues”,

maths and all the STEM subjects.

their own ideas and solutions by

is potentially devastating for

Headmaster Simon Head said:

Educational success has become too

thinking critically and using an

creative arts subjects; curriculum

“Twinned with curiosity, it fuels

focused on academic results at the ››

“Our children need to be allowed to explore their creative sides to enable them to develop the confidence to produce their own ideas and solutions.”

– Dr Trevor Richards, All Hallows School – www.armyandyou.co.uk

winter 2018 Army&You 41

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42 Army&You winter 2018

@ArmyandYou

EDUCATION ADVERTORIAL the curriculum in favour of the most recent initiative or

Dance performances, like this one at St Mary’s Shaftesbury, allow pupils to express their creative sides

directive.

She explained: “Education should provide pupils with valuable and regular opportunities to take risks, develop grit and determination, perform in front of their peers, express their creativity, their emotions, expand their understanding of symbolism, the human form and societal behaviour, as well as give them the opportunity to develop their knowledge in the core areas of the curriculum.”

The encouragement of creativity may be regarded as a positive, but Maria Young highlighted the need for moderation from teachers in today’s fast-paced society.

The St Mary’s Headmistress said: “Part of a teacher’s role is in regulating creativity.

Technological progress means

“Outcomes are less important than how they are achieved; having the confidence to wonder and wander will take you anywhere.”

that most young people are exposed to new and creative ideas at a relentless pace.

“Teachers are in the fortunate

– Simon Head, Chafyn Grove School –

position of being able to balance overtly creative activities with deep, integrated learning, enabling

expense of curriculum breadth.

“Independent schools, and in particular boarding ones, have

in order to achieve the very best

not. Creativity is about being able

students to discover where their

outcomes for the pupils.

to look at a problem, research ideas

own skill-set is best employed.”

“If teachers are to offer originality,

and develop solutions.

CREATIVE CURRICULUM

always been the standard bearers

they must be given the freedom to

“Daily life is full of opportunities

for this approach because they have

test new approaches. The children

to problem-solve, but too often we

Given the pressure on schools to

the time, the staff and the ethos to

must also be given the space and

might opt for the quick and easy

deliver excellent exam results,

make this possible.”

support in which their creative

solution instead to save time.”

it is to their credit that so much

efforts will be valued.”

SENSATIONAL STAFF

Creativity at All Hallows School

It is an understanding of the opportunities for applying

emphasis is placed on creativity in their day-to-day operation.

Acknowledging the importance

is embedded in pupils’ daily lives,

creativity – and the subsequent

of creativity is one thing, but

with opportunities for exploration

benefits it can bring – that are the

disciplinary approach ensures

implementing it – and ensuring

built into the curriculum.

mark of a good teacher, according to

that imaginative learning and the

Chafyn Grove School’s Simon Head.

creative arts are able to co-exist

it is not overused – requires the intervention of teachers.

William Wilcox explained that

Explaining his motivation for the approach, Dr Richards

He explained: “Outcomes are

At Yarrells School, an inter-

happily with STEM subjects.

described young people as “natural

less important than how they are

the person at the front of the class

risk takers, problem solvers and

achieved; having the confidence

to prepare young people for their

– as well as the ethos of the school

uninhibited visionaries” – traits

to wonder and wander will take

futures, we must teach them to

they work in – play a “crucial” role

he fears can be suppressed by the

you anywhere. A good teacher will

think across subjects, be innovative

in encouraging pupils to use their

education system.

channel the energies and talents of

and apply their knowledge to

children without hampering them,

diverse scenarios.

imaginations.

He said: “I have seen first-hand

He added: “It is our responsibility

Sally Weber-Spokes said: “In order

and privilege as teachers to work

by being imaginative, sensible and

how an inspirational teacher can

in partnership with parents to

curious themselves.”

have a life-changing effect on the

encourage their imagination and

Providing a broad education

approach to learning when we

young people around them.

self-expression and make our

to expand, stimulate, challenge

know, as adults, that in order to

schools a cauldron of creativity.

and enrich young minds is a

succeed we have to draw upon all

“fundamental belief” of Yarrells

our skills in numerous ways to solve problems and find solutions.”

“However, these inspirational teachers must be working in an

“Parents and teachers can fall into

environment which values them,

the trap of thinking creativity is

School’s Sally Weber-Spokes, who

their subject and the work they do

linked solely to artistic skills, but it’s

actively resists any move to narrow

www.armyandyou.co.uk

“No longer can we sustain the single-subject, knowledge-based

Concrete examples of creativity ››

winter 2018 Army&You 43

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EDUCATION ADVERTORIAL SCHOOLS DIRECTORY ALL HALLOWS PREP SCHOOL allhallowsschool.co.uk ANDERSON EDUCATION andersoneducation.co.uk CHAFYN GROVE chafyngrove.co.uk THE DOWNS MALVERN thedownsmalvern.org.uk THE DUKE OF YORK’S ROYAL MILITARY SCHOOL doyrms.com

Chafyn Grove pupils expand their minds at the “finding out” table

FARLEIGH SCHOOL farleighschool.com GORDON’S SCHOOL gordons.school

School, where pupils can access facilities including a design studio, workshop, two art studios, photography department, ceramic studio and display areas featuring inspirational work.

“Knowledge is a powerful tool, but without a broad and emotionally intelligent mind, it is limited in its scope and efficacy.”

– Sally Weber-Spokes, Yarrells School –

Art and design projects such as “All The Fun” – which saw every pupil having a piece of work displayed

to the end of the day but instead

at a local gallery – further embed

integrated into the timetable.

creativity within the school’s fabric.

And while such opportunities

Simon said: “Creativity is

“There is no question that an inter-disciplinary approach, combining STEM subject work with

not restricted to art lessons –

opportunities to develop ability in

provide plenty of scope for personal

everything we do is infused with the

the creative arts is the education of

development, Dr Richards explained

recognition that this is one of the

the future,” said Sally. “Knowledge is

that they could also open doors for

most previous qualities to nurture.

a powerful tool, but without a broad

“If you can be creative in Latin

and emotionally intelligent mind, it

pupils in later life.

He said: “In the world beyond

and cricket, you’ll find yourself

is limited in its scope and efficacy.”

schools, there is an escalating

swimming in imaginative waters

emphasis on innovation, creativity,

all the time. Where creativity is

capable of nurturing creativity,

problem-solving, flexibility, values

allowed to flourish, it enhances

William Wilcox has some advice:

and collaborative skills beginning

appetites and habits. For some it

to permeate forward-thinking

will emerge as a driving strength,

l Look at the school’s curriculum

universities from employers who

for others a complementary one.

and breadth of subjects taught;

are including these elements in their selection processes.

“Above all, it protects all children

For parents keen to find a school

l Ask how it caters for exceptional

from submission to a culture of

students whose horizons may

testing and those stresses and

stretch beyond what the school

importance of academic disciplines.

limitations. Creativity allows

can offer;

If we are to give our children the

children to remain children

l Look at the facilities beyond the

best chance of flourishing in the

for longer, becoming ever more

classroom. Can they be accessed

world they will inhabit, we must

confident in their individuality –

out-of-hours?

work to develop healthy mindsets,

and light years ahead of robots.”

l Ask how teachers bring creativity

“It is not about demoting the

creativity, communications skills,

Sally Weber-Spokes concluded

the willingness to take risks and to

that pre-prep age children benefit

l Find out what ex-pupils have

think innovatively.”

from exposure to creativity thanks

gone on to study and what

in part to their sponge-like minds

industries they have entered;

and lack of self-consciousness.

l Ask if merits or house points

Chafyn Grove’s Simon Head is an advocate of promoting creativity by being creative in as many ways as

And just like Dr Richards, she

into the classroom;

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WHICH BOARDING SCHOOL which-boarding-school.com Which Boarding School offers a bespoke boarding school finding service which is completely free to military families. Call William on 01702 588225 for a chat, or email him at william@whichboarding-school.com

are given for generating creative

possible. Extra-curricular activities,

points to the future benefits of an

solutions as well as traditional

for example, are not relegated

early focus on creativity.

academic success. n

www.armyandyou.co.uk

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To feature in our education advertorial, email info@tylerbale.co.uk

winter 2018 Army&You 45

To read more from our panel of experts, visit armyandyou.co.uk/category/educationad

are not hard to find at All Hallows

n o i t a r e n e G g Youn MILY B E R S O F Y O U R A R M Y FA FOR THE YOUNGER MEM

C

HILDREN from Service families have got the experts puzzled. Despite frequent school changes and the emotional pressures their parents’ jobs bring, they do well at GCSE. They are known to be resilient, open to change and adaptable, all qualities that are important for success at university. And yet they seem to be underrepresented in the higher education population.

The government and universities are asking: why do fewer young people from Service families go on to university than

their academic results would predict?

The National Collaborative Outreach Programme (NCOP) is trying to answer this question.

GARRISON TOWNS

Although NCOP’s work is not exclusively about Service children, a glance at its map showing target ‘wards’ – postcodes where few young people go on to some form of higher level study – quickly reveals that garrison towns are higher education ‘cold spots’.

The good news is, if your son or daughter goes to one

of the garrison’s local secondary schools or colleges, they will be eligible for a wide range of exciting activities to help them with their post-16 and post-18 decision making: l Tidworth and

Salisbury Plain – Wessex Inspiration Network (WIN) l Catterick Garrison – Higher York l Aldershot – Higher Education Outreach Network (HEON) l Colchester – Make Happen.

The WIN, which covers Salisbury Plain, has

project officers at Wiltshire College and Wellington Academy making sure students receive a programme of one-to-one careers advice and giving students opportunities to attend a huge range of inspiring events.

The NCOP has run and supported a range of trips, including: l A residential at

Bath and Bath Spa Universities to explore career options and higher education l The Skills Show at the NEC in Birmingham l An insight day at Bath Spa University to find

out more about routes into teaching l A lecture at Cadbury World about careers in marketing l A visit to the Farnborough Air Show to meet Tim Peake and hear him speak about becoming an astronaut l A trip to Amsterdam as part of Wiltshire College’s BTEC health and social care course.

If you’ve got children at the garrison’s local secondary schools and colleges, look out for the acronym ‘NCOP’ and get your young person exploring a whole world of possibilities.

t u a n o r t s a o t m a d r e t s m A From

. and project officers at Wiltshire College ves wi y Arm th bo are rt be Lam ra Sa d Nicola Edger an target postcodes and this m fro nts de stu of ns tio ira asp the se rai They are working on a scheme to to them to find out more… ke spo ou y&Y Arm . ers gst un yo ce rvi Se includes reaching out to 46 Army&You winter 2018

@ArmyandYou

A FORCE FOR GOOD

On a mission

We sent Hollie-Anne Morgan (13) and her parents Kimberley and Owen to review London’s National Army Museum and, in particular, the fantastic family backp acks. Hollie-Anne shares her experience…

I REALLY enjoyed using the older children’s activity pack, Museum Film Crew.

It let me enjoy my creativity, which sometimes children my age don’t get to do very much anymore. I liked how you can use the pack in any area of the museum and it still made sense because it is so adaptable and you can tailor it to your own needs.

I had lots of fun equipment to use and particularly loved the film directors ‘action’ board. You could do anything you wanted to – make a mini movie and roll dice to say where it would take place and the theme – for example, drama or fantasy.

All you need to add is a

“Using the pack made visiting the museum a completely different experience from just walking round looking at things and reading about them.”

smart phone to take a video or pictures on and some family or friends.

My mum and dad really liked it too and at times got a bit carried away but this made it even more fun and we had lots of laughs.

Using the pack made visiting the museum a completely different experience from just walking round looking at things and reading about them.

It was more interactive and fun, as well as learning about all the historical differences and things I didn’t know about more recent conflicts.

I would happily use it again and definitely recommend both the museum and the activity packs.

WIRRAL Youth Zone, named by young people as ‘The Hive’, is a purpose-built facility for the borough’s eight-to-19year-olds, and up to 25 for those with disabilities. The Hive runs the A Force For Good project to support youngsters with a parent, step-parent, carer or sibling who is serving, a veteran or Reservist.

The project supports young people to develop life and social skills and get involved in activities and projects. Those from Forces families also get free Hive membership.

Although most of those leaving the Armed Forces make a successful transition to civvy street, there’s a significant number that encounter difficulties. This can have a negative social and financial impact on the whole family – leaving many children feeling vulnerable and excluded.

Forces youngster Charlie said: “This is one of the only things we get to do together as a family – it’s great.”

Everything The Hive does aims to inspire young people to achieve by providing fun activities, personal development programmes and life-changing experiences. With its fantastic range of facilities and a passionate, supportive team, The Hive is the ideal place for young people to rediscover their confidence, improve their mental wellbeing and broaden their horizons.

Demi added: “I love coming here and I’d like to come to other sessions too.”

The Hive is running regular, free A Force For Good events for military families to have quality time, learn about support services available – and, importantly, to give the adults an opportunity to develop their own social networks by meeting other families with a military background. l To find out more, visit thehiveyouthzone.org or search for it on social media.

As well as the Museum Film Crew backpack for ages eight-and-over, there’s also an ‘On a Misson’ backpack for two-to-seven-year-olds. Backpacks are free to borrow and available on weekends and during school holidays on a first-come first-served basis. Find out more at nam.ac.uk www.armyandyou.co.uk

winter 2018 Army&You 47

A&Y BOOK CLUB

Cosmic cat capers Published by Zephyr and illustrated by Nick Maland, hardback priced £10.99

In our latest Army&You and Reading Force Book Club, military youngsters followed the adventures of Mr Tiger, Betsy and the Blue Moon by Sally Gardner. This book is printed in blue ink in Dyslexie, a font specially designed to make reading easier – and more fun. Here’s what they thought…

My favourite characters were the Gongalong acrobats. I also love mermaids and giants.

I would like to make ice-cream that tastes of wishes. I loved this story POPPY and the amazing pictures.

SYMONDS (11) I also thought the blue writing was fun and it helped me read it to my dad; he has whiskers just like Mr Tiger.

HAVE FUN SHARING BOOKS READING Force is the national shared reading charity for Service families where you can share a book and talk about it, together at home or over

This book was magical.

I enjoyed going on the adventure with Mr Tiger and Betsy. They found a variety of people along the way who quickly became friends. Working together REBEKAH they helped make things HUMPHREYS (8) better. This was my first time reading a book in blue print. The colour, font and illustrations made it enjoyable to read.

I really enjoyed it. The story was full of adventure and excitement with lots of surprises along the way.

Mr Tiger was my favourite character and I really liked the illustrations. Having a PHOEBE book written for dyslexics NICHOLLS (9) meant I could read without help and I didn’t get a headache. I look forward to reading more from Sally Gardner.

Skype or FaceTime if separated from your soldier.

You’ll receive a free book and scrapbook to fill in with your thoughts, letters, drawings and photographs. It’s a fun way to keep connected.

Take part via your children’s school, HIVE, or

register online at readingforce.org.uk If your children would like to review books for the A&Y Book Club, email hattie@readingforce.org.uk with their names and ages.

HELP YOUR BUSINESS SPRING INTO 2019 Interested in advertising in Army&You? Visit ayads.co.uk or call 01252 714870

SPRING ISSUE HITS ARMY HOMES ON FEBRUARY 26 48 Army&You winter 2018

@ArmyandYou

“At the end of the course we were all much better at listening to each other’s ideas and I’d recommend the Annington Challenge to anyone.”

LEADING

THE FIELD

W

HEN 15-year-old Oliver Meredith accepted his offer of a place on the 2018 Annington Challenge, he didn’t envisage it would involve spending 12 hours alone in a Welsh field.

“The Outward Bound team deliberately didn’t tell us until two days into our course – it was the last thing I expected we’d have to do but I decided that I just had to go for it!”

The solo expedition is just one of a huge number of activities that make up the 19-day Skills For Life course that is offered to 15-19 year olds taking part in the Annington Challenge. Run by the Outward Bound Trust on behalf of Annington, the Challenge is aimed at Forces youngsters

aged 11-19.

Oliver, whose father is in the Royal Military Police, was one of 45 youngsters on the courses during the summer holidays.

“I was excited but nervous as I didn’t know anyone who was going. But we all got to know each other really quickly and by the end of the first 24 hours, we were all friends.”

“During the 19 days we did things like canoeing, Jacob’s Ladder, the trapeze, climbing and scrambling.

“We also did two expeditions, one as a small group of six.

We spent three nights out on our own as a group and had to get from the Outward Bound’s Centre in Aberdovey to a place on the map, camping along the

way – and then catch the train back at 5.30am. During that expedition, we walked 50km, carrying around 20kg of kit mainly in drizzle.”

The unexpected solo expedition proved to be a real opportunity for self-reflection.

“My instructors Dave and Tom dropped me off in a field with my tent, sleeping bag, sleeping mat and rations. The purpose was to give us all time to really think. I spent most of my time sleeping, eating and thinking about my GCSE results!

“But I also used the time to really think about some observations I’d made about how best to collaborate with others in the future.

“At the end of the course we were all much better at listening to each other’s ideas and I’d recommend the Annington Challenge to anyone – it’s a real experience. I’ve made some new friends; it’s good for you and very different from everyday life. The one thing I’d change is the weather – I’m still drying my boots out!” &

The Annington Challenge is open to Service youngsters aged 11-19 who would benefit from improved self-confidence, resilience and self-esteem. It comprises three courses – the seven-day Discover Adventure (11-13) and Serious Adventure (13-15) and the 19-day Skills for Life for 15-19-year-olds.

Applicants must have the support of their school. The closing date for applications is 28 February 2019. Apply and find out more at bit.ly/AnnChallenge www.armyandyou.co.uk

winter 2018 Army&You 49

FOOD FORCE

Eat well for less

nse, so Army For many military families, groceries are the biggest monthly expe Great Taste Awards wife AJ Sharp, associate member of the Guild of Fine Food and for less… judge, has gone back to basics to explore how we can all eat well FOOD FROM SCRATCH

A great way to save money is to cook using simple ingredients rather than buying pre-packed or pre-prepared products and meals. It’s simpler than you might think and is something the family can do together.

See right for a simple spaghetti bolognese recipe which costs just 54p per person.

PROPER PREPARATION

When budgeting, proper planning is crucial.

Each week decide what you are likely to need for seven days of evening meals, lunch boxes and breakfasts. You can always leave a few gaps for spontaneous meals.

BUYING THE RIGHT STUFF

Ditch buying pre-cut vegetables – you can get a kilo of carrots for the same price as 150g pre-cut, which never taste quite right

to me. Buy your meat and fish in large quantities and cut it up yourself – you can always freeze any excess.

THE FREEZER IS YOUR FRIEND

It means you don’t have to eat everything on the same day or throw it away, so grab those ‘reduced’ items and bung them straight in the freezer at home. Try to avoid frozen junk food, it’s low in nutrition and not as cheap as you think – although we keep at least a meal or two for ‘emergencies’!

SNACKING AWAY YOUR PENNIES

Snacks like biscuits, popcorn, fruit chews and crisps can be hugely expensive, mainly because they’re demolished as soon as you’ve bought them. Your wallet will thank you for making the simple swap to more cost-effective fruit, toast or crackers when the kids come in from school – and make it healthy and protein-rich with nut butter or cream cheese. You can also buy un-popped popcorn, which is much cheaper, and flavour it however you choose.

Healthy hints Don’t food shop when you’re hungry, you’ll buy more than you need.

Ditch the brands. Many own-brand cereals and biscuits are produced in the same factory as their branded counterparts.

Shop around – you don’t have to stay loyal to the same supermarket.

Use a specialist bank account that helps you to budget groceries. There are lots to choose from. I’m no financial adviser but we like Monzo.

Buy less than you think you need – around 30 per cent of groceries are thrown in the bin each week.

50 Army&You winter 2018

Bargain bolognese Spaghetti bolognese is an easy, costeffective meal to make, and a family favourite. I’ve added carrot and lentils to the recipe to bulk out the sauce, so it feeds more and is healthier too. You can adapt it to make a traditional mince by simply adding gravy instead of chopped tomatoes.

Ingredients (serves six for £3.23) 1 onion (10p) 500g mince (£1.49) 1 can of chopped tomatoes (19p) 4 carrots grated (40p) 1 tin of cooked lentils (55p) Optional flavourings: salt, pepper, garlic, oregano Spaghetti (50p)

Method Peel and chop the onion Fry in a large pan on a medium heat with a little oil Add the mince and cook until it’s brown Add the tomato, rinsed lentils and carrot Simmer gently on a low heat for at least 30 mins to soften the mince Meanwhile, boil the spaghetti Serve with salad

@ArmyandYou

Benefits bulletin

AFF receives a number of enquiries about entitlement to benefits. Karen Ross, our Health & Additional Needs Specialist, shares some things you need to know...

I

F YOU’RE over 16 and still receiving Disability Living Allowance (DLA), you will at some point receive a letter from the Department for Work and Pensions (DWP) inviting you to apply for PIP – the Personal Independence Payments which have replaced DLA. On receipt of your letter you must send an application in for PIP, because you won’t automatically be transferred.

You don’t have to wait to be invited to apply for PIP, simply contact DWP and ask to transfer at any time.

The PIP assessment system is different to DLA. For PIP you’re awarded points for the daily living skills you have difficulty with. A number of claimants who were getting DLA have found they aren’t eligible for PIP under this new assessment system. Most claimants for PIP will also have to undergo a face-towww.armyandyou.co.uk

face assessment.

DLA FOR CHILDREN If you have a child under 16 years who has difficulty with walking or needs more care than a child of the same age who doesn’t have a disability, you can still claim DLA. Usually, your child must be living in the UK, another European Economic Area country or Switzerland when you make a claim, but there are some exceptions – including being an Armed Forces family. Find out more via gov.uk RUTH’S STORY When Ruth’s son turned 16, she applied for PIP. “Although I sent detailed supporting evidence, which stated my son wouldn’t be able to cope with a face-toface assessment, either in a centre or at home, they insisted he attend,” she explained.

“We eventually took him

Useful Links DLA & PIP gov.uk

National Autistic Society’s tips for completing DLA forms autism.org.uk

Advice about completing a PIP claim and Universal Credit turn2us.org.uk

PIP factsheets disabilityrightsuk.org

Use the benefits calculator to find out what you’re entitled to gov.uk/benefitscalculators

AFF Health & Additional Needs Specialist additionalneeds @aff.org.uk

along for assessment, but he wouldn’t participate and left. It wasn’t until I kicked up a fuss that a manager contacted me.

“She apologised and informed me that, on reviewing the evidence, my son shouldn’t have been asked to a face-to-face assessment and that the evidence was enough for them to agree the claim.”

Ruth advises anyone facing similar issues to persevere and ask to speak to someone senior.

OVERSEAS ASSISTANCE AFF has received a few enquiries from families about claiming benefits whilst overseas, so we spoke to DWP to find out how the PIP assessment would work.

It told us: “Exportability rules would be followed and there wouldn’t be a deferred reassessment.

The best possible evidence

will be looked at from the claimant when considering the claim.”

Arrangements can be made for an assessment within the EU, but DWP also recognises that good medical evidence is often submitted by Defence Primary Healthcare practices and Service families tend to register with them. If this isn’t the case and you are under host nation medical care, then the paper-based assessment route should be followed, but you may be called by an assessor.

If you’re claiming DLA or PIP prior to heading overseas, you can continue to claim because DWP considers you ‘habitually resident’ in the UK. MANDATORY RECONSIDERATION If you disagree with the outcome of a decision made about your or your child’s eligibility for benefits, you can ask for the decision to be looked at again.

This is known as mandatory reconsideration and must be done within one month of the date of the decision. You’re usually required to provide further or new evidence. Your decision letter will give more details.

CARER’S ALLOWANCE If you’re over 16, care for someone for at least 35 hours a week and earn no more than £120 a week after tax and expenses, you may be eligible for Carer’s Allowance. Universal Credit is replacing means-tested benefits for people of working age, so if you receive Carer’s Allowance you will get less Universal Credit. You may receive an extra sum, known as a carer amount. & winter 2018 Army&You 51

WINTER WARMERS

With the cold weather upon us in the UK, Cat Calder, AFF’s Housing Specialist has some pointers on staying safe and warm in your property during the colder months…

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Well behaved dogs are welcome. We offer a 10% discount to readers of Army&You—just mention it on your enquiry email.

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52 Army&You winter 2018

❆ Make sure that your boiler and radiators are working.

Radiators may need to be bled and you can do this yourself quickly and easily. If you still have issues, call the Amey helpdesk on 0800 707 6000

❆ Do you know where your stopcock is in case of a flood?

If you don’t, call Amey and ask for your accommodation officer to come out to show you

❆ Turn off outside taps and insulate to prevent them freezing – some bubble wrap secured round it will help

❆ If you go away, make sure you leave the heating on low with the internal doors open to help prevent pipes freezing – don’t forget to ensure that you have liability insurance to the amount of £20,000. Visit siiap.org for more

❆ Last year in the very cold weather there were problems with external boiler pipes freezing. If this happens, the boiler will show a fault code which can be found in the manufacturer’s instruction booklet (available online).

Amey and DIO’s advice is to pour lukewarm over the external pipe. It typically freezes over the last 300mm of the external pipe before it enters the ground, so target where you pour it

❆ Mould is always more prevalent in the colder months.

To help prevent it, ensure that your house is heated to a constant 16 degrees minimum and air the house every morning for a few minutes to get rid of stale, damp air – especially in bedrooms and bathrooms

❆ If you experience mould which you can’t keep on top of with normal cleaning, report it and add your address to the AFF mould database via the AFF website.

If you have any issues or concerns, contact me at housing@aff.org.uk or, for more information about managing your SFA in cold weather, visit ameydefenceservices.co.uk/housing @ArmyandYou

YOUR HOME

ROOM FOR IMPROVEMENT

Many of you have contacted AFF as you’ve been unable to downgrade your Service Family Accommodation (SFA) under the Combined Accommodation Assessment System (CAAS) – and we’re on the case…

O

NE family told us:

“I live in an old, tired SFA next to a shiny new build but we pay the same – how is that right?”

The system is based on the Decent Homes (DH) and Decent Homes plus (DH+) standards, so to understand how CAAS works, what exactly does this mean?

DH is a minimum government standard which council and housing association homes should meet.

These homes must: l Meet the current

statutory minimum standard for housing l Be in a reasonable state of repair l Have reasonably modern facilities and services l Provide a reasonable degree of thermal comfort.

DH+ is an enhanced standard set by the MOD in order to recognise that some SFA are in much better condition than others.

However, it’s apparent that the way DH+ has been set means that it’s very difficult to downgrade to DH,

leaving many families frustrated.

WHAT’S BEING DONE ABOUT IT?

AFF now sits on the CAAS continuous improvement working group and has been heavily involved in suggestions for changes which are being considered by policy and the CAAS team.

From your evidence, we’ve been calling for the MOD to either make the DH+ standard significantly higher so that only certain SFA – mainly new builds – fit

the criteria, or to make it easier to move down to DH. As a result, the way the DH+ standard is applied is now under review and the working group has been putting together options for the decision makers. We will let you know any outcomes.

OVERSEAS CRITERIA

The working group has also been looking at the UK-centric CAAS model, which may not be the best fit for some overseas areas such as Kenya, Nepal or

NEW CONTRACT, NEW START If you’re living or have lived in Service Family Accommodation (SFA) you’ll be interested to learn that the DIO Future Defence Infrastructure Services (FDIS) programme is looking at the new contracts for the SFA estate. The programme team is looking to learn lessons from existing contracts and here they tell us more…

LESSONS LEARNT We’ve consulted with a wide range of stakeholders, including other housing management and maintenance services representing the housing sector, to ensure the new contracts will meet requirements. AFF and the other families federations have provided assistance and highlighted the importance of www.armyandyou.co.uk

developing a customer-focused approach to the future service.

The new contracts will adopt housing sector best practice and will only be awarded to suppliers who can demonstrate how they will achieve the required levels of customer service expected.

INNOVATIVE SOLUTIONS One significant change in recent

years has been the increased use of mobile technology to communicate with families. We will seek to ensure our suppliers deliver innovative solutions to the way they communicate with you when, for example, making an appointment. This should hopefully make life easier for you.

The FDIS team will undertake further consultations and will

the Falklands.

It has been recognised that CAAS policy overseas needs to be reviewed as a matter of urgency and AFF is hopeful that resources are soon found to enable this to take place.

While any changes made to CAAS as a result of policy reviews will not be backdated, we’re hopeful that families worldwide will see the benefits.

If you have any questions about CAAS and DH, contact me at housing@aff.org.uk &

Take AF F’s Big Survey on housi ng at aff.org.uk from 5-30 November

seek the views of the families federations before the new contracts are finalised.

Further announcements will be made next year. Keep an eye on aff.org.uk for more. winter 2018 Army&You 53

ARMY&ME

“There’s a certain spirit that gets drilled into you as an Army kid. You don’t give up.” up mostly with au pairs whilst my dad was away. They’d keep us distracted and make sure we were okay.

When did you discover your musical talents?

I got into singing from a young age. In school plays my teachers encouraged my involvement, often giving me solos and lead roles.

I was a bit of an outsider, so it felt good to be a part of something. I went on to secondary school and studied music. I also rebelled a lot and channelled my teenage angst through song writing.

Is the rest of your family musical?

No, not really! My dad used to listen to a lot of music. I was inspired by that.

The brat pack Born in the military hospital of Rinteln, Germany, singer songwriter Annabel Allum’s upbringing in an Army family shaped her lifestyle and her music – including latest release Fear Naught, which debuted on BBC Radio 1. Army&You caught up with to Annabel to find out more…

Who is your Army family?

My dad, my brother and me.

What’s your view of Army life?

It taught us a lot as kids. It’s great, it’s hard, but it’s made me tough as nails.

What were the best bits of being an Army child?

Getting so much freedom from a young age. Army kids run the

54 Army&You winter 2018

estates. We’d stay out late and play in the woods. It was one big playground. Halloween was the best time; everyone made an effort with pumpkins and decorations.

How did you cope with the challenges of Army life?

It’s incredible what children can go through, because they just accept it, they don’t know any different. My brother and I grew

How has your upbringing shaped your music?

I learnt to push myself from a young age. For as long as I can remember my dad always told me to ‘feel the fear and do it anyway’. There’s a certain spirit that gets drilled into you as an Army kid. You don’t give up.

What were the influences behind Fear Naught?

My dad was in the Royal Tank Regiment, hence the title. It’s a time capsule of running around my estate, making friends, losing friends. It’s an ode to my dad really. I wrote it for all the other Army kids and spouses too. The ones that have to see their loved one go off on assignments.

Which artists influenced your love of music?

Lou Reed, Patti Smith, Stevie Nicks, PJ Harvey, Janis Joplin... the list is endless.

Do you feel Army life has prepared you well for the music industry?

For sure. I don’t want to stop moving, ever. All I wanna do is tour and I’m fine with roughing it.

What advice would you give to any young person thinking of venturing into the music world?

Get out there and do it! The world really is your oyster and if you want something bad enough don’t wait around for it to happen. &

When did you get your big break?

I’m still doing it! It feels like so much has happened this year I never would have dreamed of.

Reading Festival was a big one.

Describe your music style Real, from the heart, a bit political, guitar led.

@ArmyandYou

YOUR FAMILY

‘Google of the garrison’ When Natalie Trezise met her future husband, she was living in Nottingham and working as a science teacher and he was based in Germany.

They did the ‘long-distance thing’ for five years before he was posted back to the UK where they now live together with Weimaraner Frank.

Now, Natalie has created Forces-friendly website YourHomePatch, which she hopes will become a ‘go-to’ resource for families…

NATALIE feels “incredibly lucky” to be a part of the military community.

“I’m surrounded by resilient and inspiring spouses, with incredible senses of humour and a ‘get on with it’ attitude,” she explained. “Sharing pride in what our partners do is amazing and I wouldn’t change our Army life for anything.

“During the five years of living apart and the two years together in England, I found huge comfort and strength in the military community. I’ve thrown myself into the social aspects of mess and patch life, and it was here that I found the

inspiration for my business.”

YourHomePatch brings together information about your patch into one site, helping Forces families settle into their new posting quicker.

It lists recommended local businesses and services as well as offering information about your camp, the med centre, essential numbers like the guardroom and welfare and an events calendar.

“I want it to be the directory of patch life, the ‘Google of the garrison’,” said Natalie.

“The feedback so far has been incredibly positive; the only negative being that I’ve not

Scottish Family Law Specialists Our wide range of expertise includes: • Divorce • Issues arising from cohabitation • Financial settlements arising from separation • Experience in dealing with military pensions • Negotiating care arrangements for children post-separation • Pre Nuptial & Post Nuptial Agreements to protect assets

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Our expert family law team has a tradition of representing those in military life, servicemen and their families. The team is headed by Alasdair Docwra who is a former soldier.

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launched in every area yet.

“The plan is to cover every military posting in the UK and abroad because a girl’s got to

dream big, right?”

All the recommendations come from people who live in that patch rather than from advertising, but it has been time-consuming for Natalie to put together.

“YourHomePatch won’t exist without your help, so please get in touch and let me know what’s good in your patch so I can share it with others. You can even recommend your own business.”

Check out the site at yourhomepatch.co.uk, create your free membership, and Natalie will let you know when your patch is launched. &

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56 Army&You winter 2018

@ArmyandYou

LAW ADVERTORIAL

Figuring out divorce A

LTHOUGH the prospect of being goaded as a golddigger may dissuade some from broaching bills, budgets and bank accounts following the breakdown of a relationship, there is nothing callous about considering cash while nursing a broken heart.

Indeed, focusing on the financial affairs of your family – no matter how big or small – is a vital early step of any separation and in the interest of all parties.

While a divorce does provide a definitive line in the sand, who pays for what in the aftermath of a break-up is not enshrined in law and often requires a high degree of flexibility, according to Fiona Wadey of The Family Law Company.

“It can take time to work out the long-term solution and therefore sometimes an agreement needs to be reached regarding the payment of outgoings in the interim,” she said.

“What is fair will depend on the www.armyandyou.co.uk

the circumstances. Sometimes it is a case of arrangements continuing as they were prior to separation, but this is not always possible. For example, one partner has moved out and has outgoings in respect of their new property such that they cannot afford to make the same contribution to the matrimonial outgoings as they did previously.

“Essentially it is important to ensure that the mortgage and bills get paid.”

Lin Cumberlin, a member of the family law team at Batt Broadbent Solicitors in Wiltshire, agreed.

“Any outgoings which are held in the parties’ joint names, such as mortgage repayments and other debts, should be shared, but a lot will depend on the income positions of the individuals concerned,” she said. “Neither should default on any payments that could have a negative impact on the other or their respective financial positions.”

Summing up the monetary

“When couples separate, their joint income must now stretch to funding two separate households, and this often provides a strain on financial resources.”

Philippa Buckland, Peter Lynn & Partners

balancing act required in the short-term, Philippa Buckland – a divorce solicitor at Swanseabased Peter Lynn and Partners – said: “In a nutshell, when couples separate, their joint income must now stretch to funding two separate households, and this often provides a strain on financial resources.

“It is best to negotiate this prior to separating so both parties have an idea of their income and outgoings post-separation.”

Of course, reaching a compromise is not always possible for estranged couples and in such circumstances the law can intervene.

“If your spouse leaves you in a position where you have no financial support and have little or no income of your own, an application can be made for what is known as maintenance pending suit,” advised Lin. “If you can prove to the court that you have immediate income needs and that these can and should be met by your spouse, ›› winter 2018 Army&You 57

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Particularly when it comes to legal matters.

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58 Army&You winter 2018

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LAW ADVERTORIAL

“An experienced practitioner will know when it’s best to pursue an argument and when to concede one.”

Richard Bebb, Goughs Solicitors they will be ordered to provide adequate financial support to you in the interim and whilst you are engaged in the divorce process and dealing with your matrimonial finances.”

When it comes to agreeing an enduring settlement, Richard Bebb – Partner and Head of Armed Forces law at Goughs Solicitors in Wiltshire – said the wealth of expertise an experienced solicitor can afford to Service households should not be undervalued.

“Without specialist legal advice, you can’t hope to know how to protect your future, and this can be particularly important for military families because of technical issues such as a Forces pension or the rules about Service Family Accommodation,” he explained.

“A good family lawyer can hugely influence a favourable outcome by presenting their client’s position in a plausible and persuasive way. Modern lawyers offer a variety of methods to address matters and keep them out of court, including collaborative practice, arbitration, represented mediation, roundtable meetings and constructive discussions with the other spouse and their lawyer.

“An experienced practitioner will know when it’s best to pursue an argument and when to concede one; and when it’s necessary to fight your corner, in court if required.”

The first step in any such divorce negotiations is for each spouse to provide as much information as possible about their income, liabilities and assets.

Emma Benyon-Tinker and Kris Seed, members of the family law team at Everys Solicitors, said the purpose of this process – known as financial disclosure – is “so that both parties are aware of the true financial picture of the marriage and can then negotiate a fair settlement based on what is available for division between them”.

Family Law’s Fiona explained that although there is not an exhaustive list of the documentation needed, disclosure can include property valuations; recent mortgage statements; the last 12 months’ bank statements for all accounts whether in sole or joint names; payslips as well as evidence of any benefits or other income; details of any stocks or shares held; surrender values for any endowments policies and a cash equivalent www.armyandyou.co.uk

transfer valuation of all pension funds.

“You will also need to disclose information regarding your future resources,” she added. “This may include, for example, any anticipated inheritances or assets you may be likely to receive.”

Allen Bailey of Catterick Garrison-based Scotts Wright Solicitors advised that honesty and openness is expected throughout the divorce process.

“It is necessary for each spouse to provide full information about all their assets even though they may want to make out a special argument about why a particular asset should not be taken into account or should be retained,” he said.

“The courts treat failure to give a ‘full and frank disclosure’ of all assets, liabilities and income very seriously and if it is found that one spouse has deliberately failed to disclose an asset or tried to conceal it, they may be subject to penalties such as being ordered to pay the other party’s legal costs.

“If the court have already made an order before the failure to disclose is discovered, the case could be re-opened.”

Armed Forces pensions, long prized by military families who have dutifully followed the flag and still seen as a cornerstone of the Army’s offer to its soldiers and officers, will consequently be considered as part of any final financial settlement.

“A good pension can be very significant, particularly for Forces families,” Richard continued. “For many people it’s second only in value to their house, and for some it’s their biggest asset.

“The law relating to pension choices at retirement has been revolutionised in recent years, with ‘pension freedoms’ meaning that funds in some pension pots can be converted to cash, subject to strict taxation rules.

“But pensions are extremely technical and complex, and the new rules don’t usually apply to Forces pensions. It’s sometimes impossible to understand all the nuances of a particular pension without specialist legal, financial or actuarial advice.

“It’s vital that if you’re in this position, you speak to your lawyer. Pensions are treated as assets in the ‘pot’ on divorce alongside houses and other property, and in theory are subject to division in the same way. Typically, although not always, a pound in a pension will be worth significantly less in real terms than a pound in a house, because a pension isn’t available until later in life and, even then, will be subject to restrictions.

“It’s also important to consider whether the whole of a pension should be in the pot.

Many Forces personnel may have accrued significant pension values from years of ››

Fiona Wadey, The Family Law Company thefamilylawco.co.uk

Allen Bailey, Scotts Wright Solicitors scottswright.com

Richard Bebb, Goughs Solicitors goughs.co.uk

Philippa Buckland, Peter Lynn & Partners peterlynnandpartners.co.uk

winter 2018 Army&You 59

Specialists have an advantage The same is true in family law Mountain goats are specialists as they can climb the most precipitous slopes. At The Family Law Co we are specialists too; we have developed a sure-footing in all aspects of family law, including divorce, separation & financial matters, co-habitation agreements and grandparents’ rights.

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60 Army&You winter 2018

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LAW ADVERTORIAL

“It is not as straightforward as working out what there is and dividing it equally.”

Emma Benyon-Tinker and Kris Seed, Everys Solicitors service before marriage.”

Agreeing that pensions are a complex component of divorce, Lin added: “A pension sharing order is one way of dealing with a pension, but a pension attachment order can be made to allow for a percentage of the income from the pension to be paid to a spouse. Attachment orders are rarely used as they cease if the pension holder dies or the pension receiver remarries.

“The pension value can also be used to offset against other matrimonial assets. Offsetting enables one spouse to retain all, or a large part of their pension, whilst the other spouse takes a larger proportion of the other assets such as the family home and possibly retain their own smaller pension.”

The family team at Everys were also quick to stress that arriving at a fair settlement is rarely as simple as halving everything volunteered during disclosure.

“It is not as straightforward as working out what there is and dividing it equally between you as you may have different needs and resources and lots of factors need to be weighed in the balance,” said Emma and Kris, who flagged the length of the marriage, any pre- or post-nuptial agreements and significant contribution to marital assets through inheritance and gifts as being among the other factors to have a bearing on the parameters for settlement.

“The welfare of any children you have will take priority.”

On the subject of offspring, Allen added that

Emma Benyon-Tinker, Everys Solicitors everys.co.uk

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parting parents are encouraged to agree on the amount of money to be paid by one to the other to maintain their children.

“It is often a good idea to use the formula applied by the Child Maintenance Service [CMS – formerly the Child Support Agency] as a starting point for discussing child maintenance,” he said.

“You can find out how much child maintenance you should be paying or receiving for your child by going to the official online child support calculator at gov.uk/ calculate-your-child-maintenance “If you are not able to agree on the amount of child maintenance that should be paid, either parent can apply to the CMS for it to carry out an assessment and, if necessary, to collect the payment. It is important to note however that the CMS will charge the payer an extra 20 per cent on top of the maintenance payable and the person receiving the maintenance will be charged four per cent of the maintenance payable.”

For those not living in Service accomodation, children are a significant – but not the sole – driving factor behind domestic arrangements, highlighted Philippa.

“If a house is jointly owned it would be expected that the spouse who remains in the house will buy out the other spouse’s interest if not immediately then at some point in the future,” she said.

“Triggering events such as the youngest child reaching the age of 18, re-marriage, or death would give rise to a sale.

“Sometimes, some spouses would be happy to keep the house and offset this against any potential share they would receive in the other spouse’s pension.

“These days, who keeps the house is largely dependent upon who can afford it. If the house is mortgaged, then whoever keeps the house must show the mortgage company that they would be able to pay the mortgage in their own name and therefore release the other spouse from the mortgage.” n

Kris Seed, Everys Solicitors everys.co.uk

North of the border Alasdair Docwra, a Partner at Edinburgh’s Morisons LLP (morisons llp.com), explains the law in Scotland...

In Scotland the parties’ assets and debts will be valued at the date of separation which will produce the matrimonial property for division, including assets in joint and sole names. They will be expected to share information such as bank and investment statements, property and pension valuations to vouch the worth of these assets at the date of separation. Mortgage, credit card and loan statements are also required.

A very important point of Scottish Law is that the only assets and debts taken into consideration are those acquired between marriage and separation. This has great significance with regard to military pensions. Both parties will also be expected to share information on their income and reasonable expenditure where one party is seeking maintenance (known as “aliment” in Scotland) from the other. Depending on the circumstances, if one spouse fails to share the information, the other spouse may be able to raise either divorce and/or aliment proceedings in which the court can order recovery of the necessary information.

Who keeps the house will vary from case to case. In Scotland, the principle underlying the Family Law (Scotland) Act 1985 is that the matrimonial property should be divided fairly between the spouses and a clean break achieved. If neither party can afford to continue to live in the property, usually the house will be sold and the net free proceeds of sale divided to achieve a fair sharing. If one spouse can afford to remain in the home, perhaps with any children, agreement can be reached for the home to be transferred into that spouse’s name and, if appropriate, a balancing payment can be made in exchange to the other spouse.

Sometimes agreement can be reached that one spouse will remain in the home with the children until a set date, such as the end of the youngest child’s primary education, and the house will then be sold and the proceeds divided. However this is not generally favoured by a court due to the “clean break” principle and accordingly it will only generally occur when both parties are agreeable. winter 2018 Army&You 61

Giveaways

Click the giveaways tab at armyandyou.co.uk and follow the links before entries close on 16 January

Time to commemorate

One entry per household per giveaway. Closing date for entries is 16 January 2019 unless otherwise stated. See page three for competition rules. Your information will not be used for marketing purposes. Winners’ names and T&Cs are published on the Army&You website.

Cuddle bunny bath time

The Belgian watchmaker – the official supplier of the British Army and the Royal Guards of Buckingham Palace – has designed the Armistice 1918 watch to feature a red poppy, the date 11-11-18 and ‘G.E.’ printed at 9.30am, the time the last British soldier, George Ellison, fell on the battlefield. Also incorporated on the front of the timepiece are the co-ordinates N°2419D, which is where the end of the war was formally agreed.

Celebrate your little one’s bath time with the new range of bamboo toddler towels from Cuddledry, creators of hands-free bath towels for babies and kids.

Their selection of ecofriendly, naturally antibacterial towels are now available in Cuddleroar, Cuddlebunny and Cuddlepanda – all sure to make a splash and bring a smile at what can sometimes be a stressful time of day.

Available in sizes 1-3 years (£29.99) and 3-6 years (34.99), grab your cuddle character at cuddledry.com or enter to win one of two Cuddledry towels.

This unique watch comes in a wooden box and is available for £345 (with optional engraving for £40) from colandmacarthur.com

MAGNIFICENT MIDDLETHORPE Middlethorpe Hall, near York, is a National Trust historic house hotel featuring 20 acres of immaculate walled gardens, spa facilities and a restaurant which prides itself on dishes created in the kitchen from produce grown within the hotel grounds. Now is the perfect time discover the best of what

Yorkshire has to offer – book your stay at middlethorpe.com One reader will enjoy a seasonal three-course dinner in the award-winning restaurant, overnight stay in one of the individually-designed bedrooms and wake to a full Yorkshire breakfast.

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62 Army&You winter 2018

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This giveaway closes on 7 December

This November marks the centenary of the Armistice of the First World War, and to commemorate, we’ve teamed up with Col&MacArthur to offer one reader the chance to win one of 1,918 limited-edition timepieces honouring the heroes who fought in the conflict.

Animal magic

Mark your moves Home is Where (homeis where.co.uk) was created by military spouse Dora and celebrates the Armed Forces lifestyle of personnel and their families. Its fridge magnets, badges, key rings, bags and tea towels mean you can record your military journey, camp by camp – after all, home is wherever the military sends you.

Hari & Fox, run by Army spouse Erin Scarfe, offers a unique range of koala-ty greeting cards featuring cute animal puns. With Erin’s appreciation of animals comes a love for the planet, and all her cards are printed on recycled material and packaged using compostable plastic.

Whether for a baa-thday or wedding, to say good luck or thankewe, visit the Hari & Fox Etsy site (hariandfox.etsy.com) to pick up a quirky hand-drawn design and turn to page 20 to read Erin’s full story.

Three lucky winners will each receive a £25 voucher to use in the Hari & Fox online store. A&Y readers can get 15 per cent off using code ‘ARMYANDYOU’.

Win one of three fantastic bundles including a canvas bag, tea towel, magnet and key ring, worth £30 each.

Heroic hoodies Are your little ones hungry for adventure? Ditch the computer games and try the Little Hero collection (littlehero.london) on for size to spark their imagination.

Featuring personalised camouflage t-shirts, trousers, dresses, hoodies and new baby items, all products are designed and manufactured in the UK and make great gifts to get your little heroes into adventure mode.

Win one of three personalised t-shirts in either woodland or pink camouflage, sizes newborn up to 11-years-old.

Brilliant box of learning For fun, educational activities at your fingertips, opt for Octopus Learning.

Founded by primary school teacher and busy mum Tanya, the monthly boxes are ideal for children aged from two-to-five and contain eight themed activities linked to the early years curriculum.

One lucky winner will receive a free six-month subscription, and all Army&You readers can get 15 per cent off the Learning Box (usually £9.99 or £14.99 for a double subscription plus £1 postage in UK and BFPO). Use code AFF15 during checkout at octopuslearning.co.uk to claim your discounted rate.

www.armyandyou.co.uk

winter 2018 Army&You 63

YOU’RE TRAINED FOR COMBAT. NOBODY’S TRAINED TO BE IN DEBT. Getting out of debt can be tough – especially doing it alone.

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BlogSpot

Welcome to Army&You’s BlogSpot.

Write your thoughts about Army life and send them to editor@ aff.org.uk and you could win a fabulous theatre token courtesy of theatretokens.com

Six weeks to go

By Army Wife Memoirs armywifememoirs.com

THERE are six weeks left on my ‘doing time’ app – an app, I’m told by my Army wife insta-pal based in America, created especially for Service spouses counting down the days until their partner comes home.

I’ve tried not to count away the days – I’m a little bit obsessive about time and like to try and maximise every day. However, at the same time, it’s felt like a long time and never has the phrase ‘this too shall pass’ felt more appropriate.

The lesson I’ve learnt during this deployment is about being honest about how you’re feeling. I’ve been overwhelmed and sometimes surprised by the reaction this brings out in people. Truth be told I’m not very good at talking about feelings, my general instinct is to try not to say anything awkward (so British) but inevitably awkwardness ensues.

Quite early on I just decided

to say it like it is. I’ve been lonely. I felt guilty at first, feeling lonely, because I have beautiful friends, a caring family and a crazy dog. However, when we all head off to our homes at the end of the day, most often we’re heading to a place that we’ve chosen, a location we feel safe in and a community we’re part of. For Army spouses we chose something different, we chose a lifestyle of constant change and uncertainty.

My husband went on deployment a week into moving to a new area. My initial attempts to make new friends didn’t really work out so I’ve spent a lot of time on my own. After a while this gets boring. Also it turns out

Theatre This blogger wins £75 worth of r choice Tokens to spend on a show of thei nt, opera from plays, musicals, entertainme ds and to dance. Theatre Tokens Gift Car 240 venues eGifts can be used at more than have no nationwide. Plus, Theatre Tokens of time to expiry date, so you’ll have plenty a show. choose when and where to see www.armyandyou.co.uk

your brain goes into overdrive.

I’d be lost without my fellow It starts to pre-empt threats and Army pals, but during this tries to convince you that your deployment I’ve learnt that my plans to go solo to a party are support network beyond the actually quite risky and it would patch is wide and I just need be much better to stay indoors. to learn to reach out. Lately the Something started happening phrase ‘the sun too shall rise’ has when I used the L word. People felt increasingly more relevant, started to reach out in lots of taking things day-by-day and different ways. One week I not thinking too much about received post from five different how long is left. It stops things people, another week some feeling overwhelming. Saying friends I hadn’t seen in ages that, there’s six weeks to go and stopped over that’s not long. on their way to a wedding and we had a lovely evening catching up.

I think it’s because people understand what it’s like to feel lonely, whereas they don’t understand what it’s “I’ve learnt that my suppor t network beyond the like to be patch is wide and i just nee d to learn to reach out.” an Army spouse.

ge for You can also use them to exchan don tickets at TKTS, The Official Lon r Theatre Ticket Booth in Leiceste shows Square where you’ll find many e. on offer at a discounted pric rs at

See the full list of where to use you theatretokens.com

winter 2018 Army&You 65

BLOGSPOT

The trials, tribulations and joys of being a military spouse

By Drusilla

The holy grail of milspouse job criteria

By Hayley, Just Another Mother @justanothermotheruk

I ALWAYS supported my husband’s decision to join the Army. I understood there’d be times he’d be away, be in danger. I knew the kids may find it hard moving around, leaving their friends. I got that. I didn’t realise it would deny me a career of my own.

Before we moved to SFA, I completed an access course with a view to going to university to qualify as a paediatric nurse, then a health visitor... but surprise baby number three came along and scuppered plans somewhat.

I looked at the prospect of university again, but with three kids’ childcare, a course requiring me to do placements – including nights – a husband who is often away and zero childcare funding provision, my uni dreams were over.

How was I supposed to work fulltime to pay for childcare to cover my placements and while I was at work, find time to study, still actually see my family and maybe sleep sometime?

I got a job instead. A lot of couples work alternate shifts to avoid childcare costs, or work longer shifts over fewer

66 Army&You winter 2018

days so they can take turns to be at home. Others have family that help. No chance of that with this life, is there?

I was fortunate to get a job working weekdays, school hours, term-time only... the holy grail of milspouse job criteria. Yet, it’s pretty heart-breaking when my salary vanishes on childcare as quickly as it arrives. I’d love to have the option to work nights, weekends or evenings so my husband can share the load and avoid childcare costs altogether. I’d love to have family nearby that could help when hubby is away. It surprises me there isn’t provision for families in our situation, no incentive for military spouses to work. Is it the general consensus that all we aspire to do is sit at home, make babies and have playdates?

We might be referred to as dependants, but we don’t want to be. We have dreams and aspirations too and deserve more than deadend jobs that cater to our spouse’s unreliable schedule.

It’s a shame there isn't more investment in military spouses. With constant budget cuts, I doubt it’s likely to change either. But know this... it's okay to curse your spouse for their career choice sometimes – I know I do!

Your plans might be delayed but they’re not cancelled, so don’t write off your ambition just yet.

Moving the overflowing ‘charity donations’ box with my foot – full of dog toys, frivolous batik shirts and a frying pan – I smile at memories of these wonderfully full two years.

But now, another move, another country. All new, all exciting. From Germany and the Falklands, to Texas, to Rome and Naples, here in Penang and next, to Jordan…

As an Army wife, I’ve felt I should be exempt from ever giving up anything for Lent. With feelings of dislocation from one’s own culture a by-product of this perennial shuffle from country to country, do I now have to do without chocolate and gin too? Yet this life gives us a chance to see corners of the world that otherwise we might not have seen. Every day, a new mini adventure.

It was while recounting these adventures – of our terrier attacking a goat at a German vets; of bursting through the door covered in blood in an American hospital, with garbled explanations that I’d been bitten by the husband-person and a stray dog was parking the car; of being shown a woman’s enormous hysterectomy scar in a downtown Penang post office; of my Christmas meltdown when, in appalling Italian, I over-ordered every sprout east of Suez – that I thought others must have great stories of military life in overseas postings too.

I’m putting together a book, divided into chapters ranging from pets, moving in and out and mother-inlaws to surviving your soldier’s operational tours, and making friends. Even the menopause gets its own chapter as I’ve learnt the hard way that to survive it without HRT, you need to live in the tropics where noone notices you’re sweating like an overripe cheese.

If you have any anecdotes of the trials, tribulations and joys of being a military spouse in overseas postings and would like them to appear in a published book, send them to me via editor@aff.org.uk and those printed will be given credit.

We provide a lifetime of support to soldiers, veterans and their immediate families.

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ABF The Soldiers’ Charity is a registered charity in England and Wales (1146420) and Scotland (039189) Registered Office: Mountbarrow House, 12 Elizabeth Street, London SW1W 9RB Tel: 020 7901 8900, Email: fundraising@soldierscharity.org

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