Around Town Magazine Upminster August Edition 2017

T E R I N S U P M 0 1 7 0 8 . 2

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Over Wednesdays 60’s Pilates 10.25am courses Cranham Community Centre starts 20th Sept Tuesday mornings Wednesdays 7.45pm Cranham Community Centre starts 13th Sept Thursdays 8.20pm

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CONTENTS 09

10 Recipe Risotto

16 Made By Me

Noughts and Crosses

20

What’s On

When and Where...

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With An Insulated Conservatory Ceiling Or Tiled Roof

, cooked to " Beautiful meals Cooler in summer Warmer in winter ears of selling quality brands and unrivalled service rm a cinema n, easy“Wetohavewainstalled tiofacing “Temperaturesper in ourfec south Edition 29 coming rates why our customers keep back!! conservatory have dropped from 34 system in the conservatory .” and now y priced up and affordabl To advertise contact our Sales Team today, degreesdetails to 21 degrees.” use it even during the winter” Tony &edition Linda, Essex below. Booking deadline for our September is: Thursday 31st August

Usable all year round “We have had the conservatory for

Brooke & Adam, Oxford

QuiterOVER in bad weather 300 When it used to rain it was so

BEFORE

QUALITY Copyright 2017. Around Town Upminster is an 11 years but it was always to cold noisy, Now we can use the independent magazine and does not endorse the We used Soliroof and so pleased” DISHES conservatory 365 days year products or services that appear in the magazine.

Jemma, FROM Essex Opinions expressed in Around Town do not Pat & Albert, Kent necessarily represent those of the editors of Around Town Magazines. Around Town Magazines are published by Black Square Print Media LtdOur lightweight tiled roof offers 8x better insulation than a produced by Black Square Litho Ltd. polycarbonate roof and with U-values of 0.18, it willReady keep your in conservatory at a comfortable temperature all year minutes round.

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Cloudy2Clear Announce Trusted Trader Partnership Consumer champions Which? have now joined the thousands of customers who recognise that Cloudy2Clear Windows really are a business that you can TRUST. The company which specialises in repairing windows which are steamed up, broken or damaged by replacing the panes – not the frames has received the coveted ‘Which Trusted Trader’ status after going through a rigorous accreditation process entirely focussed on customer service.

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RECIPE Chewy Breakfast Bar (8 Servings) Ingredients: 1 cup almond butter 1/2 cup maple syrup 1/2 cup almond milk 1 tsp vanilla extract 2.5 cups rolled oats 1 cup rice cereal 1/2 cup chopped almonds 1/2 cup sultanas

Method: 1. Preheat the oven to 325f/160c

6. Cook for about 15-20 minutes or until golden brown.

2. Line a square baking tin (8x8in) with baking parchment. Spray a little coconut oil in first to help secure the paper.

7. Remove from the oven and cool for 15 minutes then drizzle with dark chocolate.

3. Mix the wet ingredients into a large bowl making sure the almond butter is fully combined.

4. Add the dry ingredients and stir well.

5. Spoon the mixture into your tin and press down well with your spatula.

8. Pop in the fridge to ensure the chocolate is solid.

9. You can store each slice in the freezer once wrapped in foil for up to three months or 1 week in the fridge.

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With WithAn AnInsulated Insulated Conservatory Conservatory Ceiling CeilingOr OrTiled TiledRoof Roof Cooler Cooler inin summer summer “Temperatures “Temperaturesininour oursouth southfacing facing conservatory conservatoryhave havedropped droppedfrom from34 34 degrees degrees toto2121degrees.” degrees.”

Tony Tony && Linda, Linda,Essex Essex

Warmer Warmer in winter winter “We “We have have installed installed aa cinema cinema system system in the conservatory conservatoryand andnow now use use itit even during during the the winter” winter” Brooke Brooke & Adam, Adam, Oxford Oxford

Usable Usable allall year yearround round “We “We have have had hadthe theconservatory conservatoryfor for 1111 years years but butit itwas wasalways alwaystotocold cold We We used used Soliroof Soliroofand andso sopleased” pleased” Pat Pat && Albert, Albert,Kent Kent

Quiter Quiter in bad weather weather When When it used to to rain rain itit was wasso so noisy, noisy, Now we can can use use the the conservatory conservatory 365 365 days days year year Jemma, Jemma, Essex Essex

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With An Insulated Conservatory Ceiling Or Tiled Roof

Cooler in summer Warmer in winter Our Our lightweight lightweight tiledsouth roof roofoffers offers8x 8xbetter better insulation than thanaaacinema “Temperatures intiled our facing “Weinsulation have installed polycarbonate polycarbonateroof roofand andwith withU-values U-values of of 0.18, 0.18, it will keep keep your your conservatory have dropped from 34 system in the conservatory and now conservatory conservatoryatata acomfortable comfortabletemperature temperature all year round. round. degrees to 21 degrees.” use it even during the winter” Tony & Linda, Essex Brooke & Adam, Oxford

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For For more more information informationcall: call:

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13

As a local Essex company, and an avid reader of Around Town Magazine personally, I am delighted to be writing a regular article.

I founded Savings Guru in the summer of 2014. Prior to that I had set up Clydesdale Bank International in 2008, which was a specialist offshore savings bank in Guernsey. I ran this bank for four and a half years before moving to Essex to run the savings division of Shawbrook Bank, based in Warley.

After the financial crisis in 2008, the UK government decided that it needed to encourage greater competition in the banking market and has since made both the capital requirements (the amount of money a bank needs to hold) and the process for applying for a banking licence much quicker.

Savings Guru Ltd

These changes have led to a flurry of new banks entering the market in the UK. I saw a gap in the market to help some of these new entrants and left my role at Shawbrook to set up the Savings Guru to do this. It may surprise you to learn that there have been 37 banks who have entered the market since 2008 – either through obtaining a new banking licence or European banks using their licence in their home country to compete here.

www.thesavings.guru

Since launch, I have worked with seven banks, building societies and financial companies helping them to obtain a banking licence, building new savings businesses for them or improving their existing savings divisions.

James Blower Founder

hello@thesavings.guru

As well as this work, I also regularly provide commentary for the national personal finance media on what is happening in the industry and why, and we also provide an information and comparison site at www.thesavings. guru to help consumers make better choices on what to do with their money.

Over the coming months and columns, I will endeavour to provide more insight in to what these changes in the market have done for consumers and how to make the best decisions on what do with your personal finances.

I’m keen to cover topics that interest you though so, if you have an area you’d like me to write about, please let me know by sending a message through my website or by emailing me at hello@thesavings.guru.

16

In the meantime, I hope you enjoy this issue and that the sun continues to shine this August!

Where’s the best place

to save my money?

This must be the question I get asked most often! As you might expect, the answer will depend on your circumstances so let’s run through the things you should consider first and then look at the options to get the best return on your savings.

The most important thing when saving is making sure that your money is fully protected.

The Financial Services Compensation Scheme (FSCS) www.fscs.org.uk is a government backed scheme which protects deposits with banks, building societies and credit unions so that you can get your money back if your bank, building society or credit union goes bust. So, the first question to ask the institution you are thinking of choosing to save with is if they are covered by the FSCS. The FSCS protects savings up to £85,000 per person, per institution or up to £170,000 if you have a joint account. This is usually more than adequate for the vast majority of us!

If you are one of those people who have more savings than this then the next step is to check whether the institution shares their license with any other bank. For example, while Bank of Scotland, Aviva, Halifax, Intelligent Finance, Birmingham Midshires (BM Savings), AA, Saga, Capital Bank and St James’s Place Bank may all sound like separate banks, they are all part of the same banking group and share once license. So, if you had £50,000 in Halifax, Bank of Scotland and Saga, only £85,000 of that £150,000 will be protected.

There is an array of savings accounts

to choose from in the market but the most popular ones are: 1) Easy or instant access 2) High interest current accounts 3) Notice 4) Regular savers 5) Fixed Rate Bonds Some of you will be wondering why Cash ISAs (Individual Savings Accounts) aren’t listed here. That’s because they are not a product themselves but merely a tax wrapper that protects the products inside it from paying tax. I’ll cover more about ISAs in a future edition.

Which account or accounts you choose should depend on how much access you want to your money. If you are saving for a ‘rainy day’ or emergency, you probably want to be able to get at your money quickly. If you are saving to buy a home in three years’ time then you can probably put your money away for longer.

Most financial advisors I have met suggest that you have between three and six months of whatever your take home pay is available in savings which you can access easily. I’ve met very few people who achieve this! Over 40% of adults in the UK have no savings at all or only a small amount up to £500 so you’re in good company if this is you.

Bank’s Freedom Saver which can be opened online with £100. It pays an interest rate of 1.20% AER which is one of the best in the market and has been consistently in our best buy tables since launch.

Although it isn’t covered by the FSCS, it is covered by the French government’s equivalent scheme as the bank is owned by the French car giant Renault.

For those looking for something with a lower starting point, Essex based Ford Money, part of the Ford Motor Company group, has a flexible savings account which can be opened online or by phone with just £1 and comes with a 1.07% AER interest rate. Deposits with Ford Money are FSCS protected too.

If you are looking to get in to the habit of saving regularly then the Saffron Building Society, based in Saffron Walden with a branch in Brentwood, has a regular savings account paying 3.50% AER which can be opened in branch or by the phone with £10 a month minimum commitment. Virgin Money also has an online regular saver paying 2.25% with £1 minimum investment and current account customers of HSBC, M&S Bank and First Direct will find they have a 5% version for existing customer only.

What are the best options for getting a saving fund started for a rainy day or emergency?

Like many things in life, savings is a habit and hopefully the tips here will help those who want to start this habit.

There are a couple of instant savings accounts on the market that stand out. The first is RCI

That’s all for this month. Have a great summer and see you again in September.

17

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August at the Forest Centre The children’s summer holiday programme will include a variety of activities for all the family on Tuesday, Wednesday and Thursday each week from 25th July to 24th August between 10.30am and 12.30pm. The Thursday activity will explore the wider Broadfields site through drama, dance, craft and nature study.

Saturday 2nd and Sunday 3rd September – Harvest Home celebrating the history of our 17th century threshing barn through drama, music and country crafts and traditions. Free admission.

For more details and for our children’s summer holiday programme, visit our website www.thamschase.org.uk Basildon & District Rambling Club The group meets every Saturday at 2.00pm. The Saturday walks are 4-5 miles with a rest halfway, we have some longer walks on other days. New members are welcome and membership is only £6 per year which includes all walks. See our website www. basildonanddistrictramblingclub. btck.co.uk for full details Bedrock Hospital Radio Annual Charity Quiz Night Bedrock Quiz Night Have a great time and support Romford & Havering’s Hospital Radio!

Where: the Romford Royal British Legion Address: Goodchild House, 54, Western Rd RM1 3LP Romford. Tickets are £5 and goes towards Bedrock Hospital Radio Fundraising. To book tickets: Call: 01708 503 113 email: tickets@bedrockradio.org.uk

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When: Friday 22 September at 19:30–23:00 Get your friends and family together for the Bedrock Radio annual charity Quiz Night.

Ticket enquires email: tickets@ bedrockradio.org.uk Bedrock Radio operates across two studios serving three hospitals.

Our main studios are located at Queen’s Hospital, Romford.

At times different shows maybe broadcast from our Goodmayes Studios. You can also listen online at www.bedrockradio.org.uk and on the Tunein Mobile App > https://tunein.com/radio/BedrockRadio-s215784/ Chelmsford & District Welsh Society Membership is open to anyone with Welsh origins or connections, or to anyone with an appreciation of Welsh heritage and traditions.

Visitors and guests are warmly welcomed to attend our meetings.

The Society’s monthly meeting is held in St Cedd’s Hall, Cathedral Chapter House, Chelmsford, CM1 1NX, and is usually on the fourth Thursday of every month. The next meeting is on Thursday 28th September 2017 at 7.30pm. All new members are welcome, come along to our meeting for a fun and sociable evening.

We hold a variety of events, including a ‘Noson Lawen’, St David’s Day Dinner, Church Service, ‘Cymanfa Ganu’, and an annual concert featuring a Welsh Male voice choir, held at Chelmsford Cathedral.

Throughout the year there are also fund raising events such as coffee mornings, musical evenings and a Garden Party.

For more details please contact Gwenno on 07724144432 www.chelmsfordwelsh.org.uk/ home www.facebook.com/ chelmsfordwelsh Friends of Parklands The aim of our “Friends” Group is to maintain Parklands Open Space as a pleasant place to walk and relax, surrounded by a natural environment.

We arrange Working Parties to keep Parklands tidy and to help control any excessive overgrowth.

The Working Parties meet for a couple of hours, once a month, at 10 a.m. on a Wednesday.

If you would like to join us please visit our website, www.friendsof parklands.org.uk , for further information, or email our Working Party Organiser, Andy Brett, at: upminsterbrett@gmail.com Friends Of Upminster Mini Golf Course We are a recently formed group with the aims of promoting the Mini Golf Course in Hall Lane, Upminster and working in partnership with Havering Council to improve amenities and to encourage people of all ages to participate at the course. Find us on Facebook.

Why not come and give it a go. Equipment is supplied and the course suits all abilities from novices to experienced golfers looking to improve their short game.

More information on the Councils website: www.havering.gov.uk/Pages/ ServiceChild/Hall-Lane-golf-course.

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Friends of Upminster Windmill Volunteers are sought to help us develop and maintain an attractive garden area around the new visitor centre at Upminster Windmill. Our small friendly group meets on Tuesdays. If you would like to help email charlottethemiller@ gmail.com or enquire at the site on a Tuesday.

Havering Antique Collectors Club This friendly monthly club starts Friday 15th September. Speakers include Chris White – WW1 & WW2 Art, Charlie Haylock – History of Surnames, BBC Antiques guest speakers - Paul Atterbury – The Great Exhibition and Judith Miller – Treasure or Trash.

Annual Membership £25.

Guests £4. £7 for BBC Antiques.

Meet 3rd Friday monthly 7.30 for 8.00 The Neighbourhood Centre, Gubbins Lane, Harold Wood.

Chairman Mrs Chris Lovett 0794 7367 258 Pilates for a Healthier Spine Experienced Sports & Remedial Massage Therapists Charlene & Neil Carpenter teach traditional Pilates in private sessions and also to small groups in Upminster & Cranham.

For further information or to book a course or trial class please visit www.upminstersportsmassage. co.uk or call Charlene on 07411 826721, or email upminstersportsmassage@ gmail.com Departures from Cranham, flyers on holidays and day trip leaflets available. Please call Shirley Ward 01708 227884 for more details or e mail shirley@shirleytours.co.uk

for full list of trips.

Retired with free time during the week - Upminster and District Probus Club.

Luncheon club, with talks and outings, for retired men, covering art, crime, gardening, history, music, sport and transport etc.

Meet on the last Wednesday of the month at the Cranleigh, Hornchurch. Outings planned 2017: Battle of Britain Explorer Dover area, Christmas Concert with the Philharmonia Orchestra, jointly with ladies Probus club..

Secretary: Barry, on 01708 703783 email secretary@ upminsterprobus.com www.upminsterprobus.com and https://www.facebook.com/upmi nsterprobus/?ref=bookmarks.

The Rotary club of Havering East We hold our meetings at Upminster Golf Club every Tuesday Evening at 7pm for 7.30 and enjoy an excellent 2 course meal. We are a friendly club our main aim is to help people less fortunate than ourselves.

We raise money for charities but also enjoy fellowship and social events. If you are interested in finding out about Rotary organisation and helping your local community why not come along one evening. Contact: Liz Goodwin on 07967644918 email:liz.goodwn7@gmail.com.

The Rotary Club of Hornchurch and Upminster We attract members from in and around Havering who have a common agenda to help people in need wherever they may be. Our Club prides itself on the closeness and friendship

between its members and their partners. We meet most Thursdays at 12.30 for 13.00 at The Railway Hotel in Hornchurch.

If you would like to find out more please visit our website www. hornchurchrotary.org or contact Brian Taffs on 01708 250855 or e-mail btaffs@btinternet.com Upminster and District Probus Club A luncheon club, with talks and outings, for retired or semi retired a men, covering subjects including art, crime, gardening, history, music, sport and transport.

We meet last Wednesday of the month at the Cranleigh, Hornchurch. Outings planned: the i360 tower at Brighton, and a tour of Constable Country, jointly with ladies Probus club..

Our Secretary is Barry, on 01708 703783 or email: secretary@ upminsterprobus.com www.upminsterprobus.com Upminster Park Towns Women’s Guild We are a friendly group of Ladies enjoying a chat over tea and biscuits listening to a good speaker or entertainer.

Going on outings/theatre trips and promoting friendship and well being.

We meet at St.Lawrence Church, Derham Hall, Upminster on the fourth Wednesday each month at 1.45 - 4pm.

For more information contact Deborah Pryor 01708 226127 or Anne Monk 01708 226305 or simply come along.

If you would like to promote your club or event then please email a maximum of 70 words to:

admin@aroundtownmagazines.co.uk Please ensure that all contact details are included.

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