Ay l e s b u r y & Vi l l a g e s October|November 2015
Lest We Forget 12,000 copies delivered each issue to:Wingrave, Weedon, Oving, Quainton, Aston Abbotts, Bierton, Hardwick, Aston Clinton, Waddesdon, Weston Turville, Whitchurch and selected areas of Aylesbury.
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finding room to foster
careis
... FCA Appeal For New Carers To Find Room To Foster finding room to foster Young Parents With Their Child
Young people in care need a place to stay and a place in your life. Foster Care Associates (FCA) is supporting parents parenting skills in a stable and caring environment whilst in the guidance of their foster carer. to develop their parenting skillsto byfoster, providing If you’ve got room call Foster Care support in the home oftoday a specially trained022 foster Associates on 0800 4012.FCA encourages parent and child placements people in family care need a place stay they allow the parent to maintain and carer. TheYoung aim is to keep the together and tobecause a place in your life. build upon their relationship with the child, stop the and children from going into care. FCA which marks its 21st anniversary of providing meaning a foster home can play a pivotal role in If you’ve got room to foster, call Foster Care ensuring the parent and child a happy lifetime care and0800 support to022 children4012 and young people Associates today on 0800 022 4012. together. this year, is appealing for potential carers across fosterwithfca.co.uk FCA provide support to those undertaking the region with the time, dedication and room parent and child placements every step of the to care for a parent and their child to consider a way, including training, a financial allowance, move into fostering. 022 4012 access to carer support groups and organised A parent0800 and child placement offers the parfosterwithfca.co.uk family activities - all contributing factors as to why ent and child the best opportunity to remain FCA placements are 22% more stable than the together. A parent may be struggling to care for national average. their child and require extra support, and these finding room to foster placements allow the parent to develop their
careis...
For more information on becoming a foster carer with FCA call 0800 022 4012 or visit www.thefca.co.uk Young people in care need a place to stay and a place in your life. If you’ve got room to foster, call Foster Care Associates today on 0800 022 4012.
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3
Editor: Andrena Carden-White
Features
Consumer Advice
buzz@beelocalmagazine.co.uk
6 Decembeard 8 Hypnotherapy
16 Clinical Negligence 22 Your Money Matters
Telephone: 01296 273473
Community
Entertainment
Advertising:
6 Appledown 30 What’s On
Home & Garden 22 Organic garden
24 In Review 27 Looking Up 28 Rugby Planner
Food 26 Pumpkin Soup
Health & Beauty In other Areas: Bee Local MK South & Villages Bee Local Leighton Buzzard & Villages Visit the website for more details of our distribution Ask about our sister magazine, The Vine, in Dunstable, Luton and Dunstable Villages We do our best to get things right but neither the publisher or contributors will take any liability for loss or damage by errors. Bee Local Magazine is published by The Vine Magazine Limited. The publisher does not officially endorse advertisements or the views held by contributors. No part of the publication can be published either in print or online without permission
12 Dry Scalp 14 Know Your Units 14 Improve Your Smile 15 Wear Red 20 Can counselling help
More Crossword Sudoko Word Search Find Herbee
Bee Local Magazine supports KidsOut. To find out how they help 1000’s of children, locally and nationally visit www.kidsout.org
Hello and welcome to thi s Autumn edition of Bee Local Magazine As a rugby fan, I thought I would go with a commemorative front cover for the World Cup. I have also included a planner to keep for posterity, I hope it will be for all the right reasons. Pop the magazine in your bag or car and the next time the children are driving you mad, set them to task finding Herbee, he’s hiding in one of the adverts. I try and fit as much as I can into the out and about guide and throughout the magazine but there is plenty more on the website and I post and share on facebook too. Don’t forget to let me know about your school fairs, plays and events Andrena
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5
Forget Santa Clause, Decembeard is comin’ to town.
community News from Appledown Did you know that the average man will spend 6 months of his life shaving? That’s a lot of time he could be putting towards doing something else productive such as not shaving for a month whilst raising money for charity. This is Edmure Tully, a one year old crossbreed who is smaller than a Labrador. Edmure is a playful and affectionate young dog who needs an active home with owners willing to carry on with his training. He is good with other dogs and travels well. He cannot be rehomed in Dacorum. If you feel you could offer Edmure or any of our other dogs a loving and secure home please call in at the kennels any day between 10 a.m. and 4 p.m. Our staff are happy to offer advice and information. Please note that we have restrictions on rehoming dogs to families with children under 7 years of age. Full details of the rehoming process can be found on our website or call the kennels. Appledown Rescue & Rehoming Kennels, Harling Road, Eaton Bray, Beds LU6 1QY. Call: 01525 220383 or e-mail: appledown.kennels@btinternet. com www.appledownrescue.co.uk (Reg. Charity No. 1116848)
round and not only does that mean more funds are raised but also important awareness of the disease, which can help to save lives.
Mark Flannagan, Chief Executive of Beating Bowel Cancer, said “Talking about bums and poo can be embarrassing for many people so the symptoms of bowel cancer are less well known than many other cancers. This means people Since 2011, the charity Beating Bowel Cancer has been encourag- are often diagnosed at a late stage ing men to grow a beard through- when the disease is far more difficult to treat.” out the month of December and to raise money so they can Scott Smith, from Essex was support the growing number of diagnosed with bowel cancer people affected by bowel cancer. eight years ago. Scott’s cancer was In 2014 over 3,000 men ditched their morning shave and got involved with the campaign, but this year the charity says they want to be bigger and better. Beating Bowel Cancer is looking to hit the half a million pound mark, and they ask that each participant raises a minimum of £100. The money raised will help them fund a range of vital services that give people with bowel cancer help, hope and reassurance. Beards can be a bit itchy at the beginning and you might get a few crumbs taking permanent residence on your face, but the charity say that it’s all worth it in the end. Bowel cancer is the UK’s second biggest cancer killer but it doesn’t have to be that way as it has a very high rate of survival if caught early. The charity says when people are curious and ask questions about your new facial fuzz, that’s your time to talk about why you are growing a beard. Word soon gets
caught early and because it hadn’t spread he didn’t need aggressive treatment like chemotherapy or radiotherapy.
Scott said he likes taking part in Decembeard because he feels that it’s a clever way of raising awareness and says “growing a beard is such a conversation starter when people are so used to seeing you clean shaven.” Scott states that he is living proof that early diagnosis saves lives and he wants to do everything he can to encourage others to be vigilant and spread the word. If, like Scott, you would like to get involved, check out the Decembeard website at www.decembeard.org. You can also follow the campaign on Twitter and Instagram @decembeard_uk. For more information about bowel cancer visit www.beatingbowelcancer.org.
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THIS DECEMBER • GROW A BEARD • RAISE FUNDS
HELP US BEAT BOWEL CANCER
Sign up at www.decembeard.org @decembeard_uk | #decembeard Images courtesy of garconjon.com
Beating Bowel Cancer is a registered charity in England and Wales (1063614) and in Scotland (SCO43340)
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7
feature
Hypnotherapy
What is hypnosis Hypnosis - is not a trance, not sleep, not some mystical magical happening.
" I was surprised that throughout my hypnosis session I was very aware of everything that was being said and my surroundings. It is the most relaxed I have ever felt and I was reassured that I felt completely able to stop the session if I had wanted to" Mrs W
During hypnosis, a person is said to have heightened focus and concentration. The person can concentrate intensely on a specific thought or memory, while blocking out sources of distraction. Only four things happen while a person is in hypnosis. 1. They achieve a deeper level of relaxation than even when asleep. 2. Their other senses (hearing, smell etc) are much sharper. 3. Their ability to remember things of the past is greatly enhanced. 4. It is much easier to plant positive suggestions into their sub-conscious mind. When used in therapy hypnosis follows two main avenues Suggestion and Analytical. Suggestion therapy is very powerful in dealing with such things as confidence boosting, controlling nerves, stopping smoking, improving sports activity amongst many others, this is achieved by planting positive suggestions into the subconscious mind that can change negative habits and usually needs only one session. Analytical therapy is
often life changing. Many of the problems, issues, difficulties that people suffer today are a result of deep rooted subconscious causes. The problems that are occurring now are the symptoms of these root causes and dealing with such things as fear, phobia, anger, emotional, sexual & relationship problems require analytical hypnotherapy. This type of therapy digs deep down into the subconscious over a number of sessions to discover and resolve the root cause which then ensures the symptoms disappear for good.
Are You
PREGNANT ? A number of hospitals and midwives are now endorsing the use of HYPNO-BIRTHING for relaxation and pain control during birth. (re Mail Online Hypnobirthing) Angie Elbourn Reg Hyp. CNHC. Has years of experience in Hypno-birthing techniques.
(CNHC are the only registering body for Hypnotherapy that is recognised by the Dept of Health)
For more info on Angie go to
www.hypnohelp.co (just co no uk) 77796 Tell our advertisers you found them in Bee Local077756 Magazine
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9
garden
Eco pile Autumn tidy up
Try building an ‘Eco pile’ this autumn, the perfect place for a Hedgehog and Ground Beetles to overwinter, then simply tidy away your eco-pile in late spring, once hibernation is over.
by Vaughan Woodcock Dip Hort (RHS)
Convert to Organic Gardening There are many reasons to convert to organic gardening. It may be environmental concerns, or to grow fruit and vegetables naturally and free from chemical residues, or simply to encourage wildlife into the garden enjoying their interaction with the plants that we grow.
veg amongst your flowers, this helps attract beneficial pest eaters. Keep soil healthy by annually adding organic matter like composts, manures or mulching materials, this keeps plants growing strongly resisting pests and diseases.
The way we manage our gardens has a big impact on the need to use gardening chemicals and a few simple changes can make all the difference.
Consider plant positions; shadelovers struggle in hot sunshine, sun-lovers become weakened in shade. Plants on hot patios suffer if not watered regularly and as such become liable to pest and disease attack.
Lightly pruning fruit trees allows light and air into the branches, ripening fruit and reducing disease.
Mowing lawns irregularly and too short weakens the grass and encourages weeds and moss.
Regularly clear away fallen fruit, if left to rot it provides a source of re-infection next year. Remember to leave a few fruits behind for birds and other wildlife to enjoy an autumn fruit feast. Operate a vegetable rotation system, avoiding growing the same crop in the same place each year. If you’ve a small veg patch, then rotate by growing particular crops every other year or so, or try growing
A few simple changes help make a happier, healthier garden.
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health & beauty by Charlotte at Mobile Hair Design
We will all experience dry scalp at some time in our life, but for some of us it can be a chronic problem and more so than ever this time of year.
5 top tips to put right that dry scalp ‘hair’mare 1 Always use the correct shampoo and conditioner for your hair type, if not your scalp will become flaky and dry and your hair will get greasier much quicker. A good moisturising or hydrating shampoo can make all the difference. 2 Shampoo your hair as usual, get as much of the excess water out as you can, then gently massage your conditioner into your scalp and leave on for the recommended time. I know I shouldn’t really advertise named brands, but I strongly recommend Tresemme Renewal Hair and Scalp!
5 Drink lots of fluids, your hair is like your skin and needs to be kept hydrated. Please be aware that sometimes a dry scalp is a medical issue and can be caused by many, things such as stress, poor diet and certain types of medication, to name but a few! In instances such as these, I would urge you to seek the advice of a qualified trichologist as soon as possible. www.trichologists.org.uk
Charlotte Mobile Hairdresser
07479 939461
3 Over washing your hair can leave your scalp dry, itchy and flaky. However if you need to do so, find a gentle daily medicated shampoo which will not strip any of its natural oils or irritate the scalp like some soap-based shampoos do. 4 I cannot stress this point enough – always rinse your hair properly.
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13
health & beauty Drinking Responsibly
Smile with Confidence
of the rest don’t. Ove become yel drinking, their toll. has never get your p
Could cosmetic dentistry help? As we head towards the festive season there’s a renewed emphasis on the dangers of drink driving. In England and Wales, the alcohol limit for drivers is 80 milligrammes of alcohol per 100 millilitres of blood, 35 microgrammes per 100 millilitres of breath or 107 milligrammes per 100 millilitres of urine. The punishment for being over the legal alcohol limit when driving is a ban for at least 12 months, and a fine of up to £5,000. Offenders may also be given between three and eleven penalty points. There is also a possibility of imprisonment for up to six months. Those caught drink driving more than once in a 10 year period; will get a driving ban of at least three years It’s not easy to ensure you remain under the limit if you drink alcohol as a variety of factors such as, weight and metabolism can influence results. Even small amounts of alcohol can influence driving, reactions may be slower, vision blurred and it can be more difficult to process information for example. All of these put you at risk.
I Love Your Smile!
Our smile is one of the first things many of today’s braces are a world that people notice about us, so a away from the unsightly ones of a mouth full of stained, chipped or few years ago. ‘Invisible braces’, crooked teeth can really affect our for example, are cleartoplastic keep the solution here are various tooth whitening confidence. Cosmetic methods dentistrynow available moulds that fit over your teeth. teeth. Making impre but all whitenranges from small changes, such workThey’re not very noticeable andtrays is th ture of the ing techniques in one of two ways: individual they either use to bleach to can lighten natural as crowning a chipped tooth, bethe taken out for eating andand so the tooth colour, or they rely on mild abrasion or success. In addition, whole-mouth makeovers. Combrushing. They do need changing is not strong enough chemicals to remove surface stains. mon procedures Bleaching include: works by whitening every few weeks, your changwhitenin the colour of theto fitProfessional bite, so can work dental out more surgery and st dentin - the layer of toothing lying directly below pumice to remove pl the enamel. A peroxide solution is placed Bleaching expensive thanontraditional fixed coated with hydroge the enamel which opens the pores and allows Teeth can be stained by smoking, braces. peroxide, using made the solution to reach and lighten the dentin some medications and resulting certain in whiter-looking teeth. Teeth keep the solution in c below, food and drink. Most stains isSometimes a graduala laser m vary in colourcan justbe as hair Teeth-straightening and skin do, so alheat and though teeth lighten and the natural removed by regular scale andwhitening pol- can process usually takes onespeed to up th takes about an hour it cannot change it. ish appointments,shade, but others are two years. The effect is pretty perThere are three ways to whiten teeth: profesSome people’s teeth harder to shift. Also, teeth naturally manent,kits although teeth mayormove during after treatm sional whitening, home whitening and differ in colour, soover-the-counter some people products. slightly as the years go by. experience discomfo Over-the-counter throat or white patch are generally will have naturallyproducts whiter teeth than the most affordable and include toothpaste, floss, mouth rinse and symptoms should dis others. Replacing missing teeth of the treatment fini gum or breath strips. Though all can achieve Bleaching is usually done over the There are different ways to whitening replace only Tooth whitening results, many merely remove surcourse of a few weeks, although The choice usu-on de It will not work face stains by using lightlymissing abrasive teeth. materials - best specifically in the case of whitening toothpaste the effect laser bleaching can give you ally depends on how neers, manyand teeth and do not actually whiten the dentin. years depending on w noticeable results,-Home in less time. The are missing, where the gap is, and whether you smoke. whitening kits can be purchased for bleaching product is painted onto what condition your other teethteeth, con ening your around £99 and contain whitening solution your teeth, and activated by thein trays (aare in. gum Youshields) could optiffor partial for you it isasuitable which is placed bit like laser. Teeth can sometimes feel a denture, which can be removed. little more sensitive during treatAlternatively, a bridge can be fixed ment and gums can be a bit sore, onto remaining teeth, or onto but results can be pretty dramatic, implants (artificial roots). with teeth up to six shades whiter. The effect can last for up to three Is it for you? years. Only you can decide whether you want to have work done and if so, Straightening how far to go. We’ve all seen the Another common cosmetic pro‘Hollywood smiles’ – those too cedure is straightening or moving white, too straight, too perfect sets teeth slightly. This is usually done of teeth that just look a bit false. with orthodontic braces. If you Sometimes it’s the minor imperfechave an image of a spotty teen with tions that make us who we are. metal train tracks, you might be Would Claudia Schiffer have been surprised to find out that more and as distinctive if she’d had her teeth more adults are getting them, and ‘fixed’?
T
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Want to look younger? Forget anti-ageing products, invest in a red dress!
puzzles
It’s time to stop spending money on anti-ageing products and invest in the stand out colour trend for AW2015, Red.
Across 1 4 7 8 9 11 12 14 16 18 20 21 23 24 Down 1 2 3 4 5 6 10 13 15 17 19 22
Biblical grandson of Abraham (5) Jolly outing or excursion (5) Directly above (8) Conservative (informal) (4) Definitive (8) Desert in Asia (4) Silky wool (6) Individual, organism (6) Squabble, altercation (4) Lesson, coaching session (8) Indian garment (4) Southern English county (8) Last letter of the Greek alphabet (5) Pleasant, refreshing weather (5) Spear (sporting) (7) Royal breed of dog (5) Farewell (informal) (3) Decision, opinion (9) Tense, anxious (7) Spasm, pound (5) Girl's name (Russian) (9) Sketch, rough plan (7) Catastrophe (7) Ancient Greek philosopher (5) Bucolic, pastoral (5) Angry group (3)
Women’s fashion retailer Rosa Cristini of SoYou Boutique in Leighton Buzzard says ‘Women of a certain age get stuck in a rut when it comes to colour, but as we age we must update and try new things to suit our changing appearance. Bad habits, such as sticking to one colour, which in our late 20’s and early 30’s worked for us, can age us Helen Mirren in our forties and fifties.' Rocking Red 'Red is a colour women hesitate over wearing, often I hear ‘is it too much?’ ‘Time and time again clients come to me and rarely am I asked if I stock red dresses, yet when our ladies step out of their comfort zone and try on a red dress in the right hue for their skin tone they are amazed at how it makes them feel and equally how well it suits them, it bestows a radiance that knocks years of their appearance.’ Research shows that when worn by a woman, red stimulates interest and passion in men, furthermore, numerous studies have found that women wearing red in a series of photographs presented to participants are rated as more attractive. Indeed, women have been donning red lipstick as far back as 10,000 B.C, Cleopatra, the alpha female of her time, crushed beetles and ants to get just the right shade for her lips, clearly a woman way ahead of her times. Rosa said ‘Why shouldn’t women dress to impress, red is a colour that not only effects people around the wearer but perhaps most importantly the woman wearing the red. Wearing red makes a woman feel confident, sexy, powerful and vibrant.’ ‘With winter drawing near and Christmas just round the corner now is the perfect time to invest in red for your wardrobe.’ Rosa offers a free one to one personal shopping experience to all clients at her boutique in 28a Market Square, Leighton Buzzard. Dresses size 6 to 24, and to complete the look tights stockings, hold-ups, scarves, handbags and jewellry. 15
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IT’S THE LAW
New Extended Hours Appointments OMM are pleased to announce that we are now able to offer prearranged out of hours appointments for clients who may find it difficult to attend during normal working hours. To learn more about this service or to book an appointment please call us on 01525 378177
Clinical Negligence Claims: The Facts
What is Clinical Negligence? Clinical negligence is the breach of a medical professional’s duty of care to a patient. In order to succeed with a clinical negligence claim, you must establish that a medical practitioner’s duty of care towards you has been breached and that the breach has caused you an injury or loss. Breach of duty The first step in any clinical negligence claim is to prove that there has been a breach of duty. What this means is that the care provided fell below the standard of a reasonably competent doctor in that particular field of medicine at that particular time. The test of whether the healthcare professional breached the duty of care is whether he or she has failed to meet the standard of a reasonable body of other medical practitioners also skilled in that field. However, if the defendant can show that there is a respectable body of medical practitioners who would have acted in the same way, then the claim will fail.
obvious as it sounds and has to be supported by independent medical opinion. Compensation Once breach of duty and causation has been established and admitted by the Defendant, compensation will be recoverable. This will include ‘General Damages’ which compensate for the pain and suffering experienced and ‘Special Damages’ which compensate for specific past and future financial losses.
Time limits Clinical negligence claims are subject to what is known as a ‘limitation period’. Legal proceedings for adults have to be brought within three years of the date of the injury or the date that you first became aware that the negligent treatment had caused you further injury, known as ‘date of knowledge’. For children, the three year time limit starts to run from their eighteenth birthday, therefore legal proceedings have to be brought before the child reaches Causation age 21. For individuals that lack In addition to proving breach of duty, mental capacity, the time does you must also prove what is known not start ticking until they regain as causation. In other words, you capacity. have to establish that the negligent The Court does have discretion to care provided either directly caused extend the three year time limit in the injuries alleged or significantly exceptional circumstances. However, contributed to them. it is best to approach a solicitor as Establishing this link between breach soon as possible to avoid the risk of of duty and causation is not as any potential claim being debarred.
Osborne Morris & Morgan info@ommlaw.co.uk 01525 450530
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S U N D AY O CthTO B E R 11 2015
Be part of Aylesbury’s first Colour Run Run, jog, walk or dance your way through the shower of colour!
5K + mini rush for kids For more information visit: www.fnhospice.org.uk
Registered Charity: 1119499
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Make your firm's Christmas tree a ‘KidsOut Giving Tree’ this Christmas KidsOut’s Giving Tree is an easy way for everyone in your firm to help bring a little light to their Christmas. Why not ask your staff to give “Secret Santa” the year off and do something for children who really need their help?
It is very simple. • We will send you a set of tags (you tell us how many you want) to hang on your firm’s Christmas tree • you invite staff to take a tag and purchase the £5-10 gift to go to a child in one of our refuge homes • you collect the gifts (unwrapped) for collection/delivery • KidsOut make sure they go to the children that desperately need a little joy at Christmas time. There is no cost to your firm. The rewards are without measure. Please register your interest either by visiting http://kidsoutgivingtree.org.uk/ or by emailing events@kidsout.org.uk www.beelocalmagazine.co.uk
19
feature
Help is only a telephone call or a visit away, should we need it. By Debbie Singh-Bhatti
Why Counselling Might Help
‘A problem shared is a problem halved’. The death of a loved one, depression, redundancy at work, unfulfilled life’s ambitions, anxiety, wanting to understand others better and wanting to feel more confident are personal challenges we all may face at some time. Sharing our concerns with qualified, trained professionals can help, and following are some of the talking therapies on offer. Counselling is available to all people and may be obtained on the NHS following a referral from your doctor. All sessions are conducted in complete confidence by counsellors who have undergone extensive study and training before being registered with the British Association of Counselling and Psychotherapy (BACP). Counselling may also be provided by other professional bodies such as Relate and ChildLine and other voluntary organisations, Evidence shows that counselling is very effective, B Wickberg and C P Hwang found that 80% of women with major post-natal depression were fully recovered after treatment. Counselling can help a person be more positive, worry less and feel more confident. Additional types of counselling/ therapies include Cognitive Behavioural Therapy (CBT) is currently very popular and helps people to manage problems by changing the way they think and behave. This therapy is proven to help with
mental health problems such as anxiety, depression, panic attacks, eating disorders, OCD (Obsessive Compulsive Disorder), Post-Traumatic Stress Disorder and phobias. . Couples Counselling (Marriage Guidance) involves a couple and a therapist. The main aim is to improve communication and resolve problems such as lack of trust, abuse, life changes and family contacts faced by intimate couples. Couples look at how factors such as lifestyle, religion and family values affect their relationship and are encouraged to resolve any conflicts they face together. Psychotherapy looks into a person’s past and how that affects the present. This is undertaken over a longer period of time than other forms of counselling and helps a person understand more about themselves, improve relations with others and enjoy life more. Different therapies suit different people and problems; sometimes you may need to speak to a few people before you find someone you feel comfortable with. Do some research yourself but if you are you at a time in your life when events are distressing? or if you overtaken by feelings that you can’t explain and which disturb you, and even overwhelm you, then don’t suffer alone, make a call.
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SUDOKO Breast cancer has recently been hitting the headlines once again, perhaps unsurprisingly, since this illness is the single most common cause of death in the UK in women aged 35 – 54 years. Shockingly, one in eight women will develop breast cancer in their lifetime. Breast Friends is a small Aylesbury based support group run entirely by volunteers and offers a listening ear as well as practical, confidential support to those who have been affected by breast cancer. The group was formed several years ago by several ladies who wanted to ensure that others in the Aylesbury area would not feel the same isolation that they had experienced following their diagnosis of breast cancer. Members of Breast Friends meet once a month, usually at Mandeville School, Ellen Road, Aylesbury, on the 1st Tuesday of each month, 7-9pm. There is the opportunity to get together for a chat over a tea and biscuits in a supportive and informal atmosphere. The monthly meetings often include guest speakers and other social events. Whether you have just been diagnosed, are currently undergoing treatment or completed your active treatment a while ago, the group offers emotional support and practical, up-to-date information. Above all, the group offers an understanding voice at the end of the phone should you ever need it. If you or someone you care about has been affected by breast cancer, please take a look at our website: www.breastfriends-aylesbury.org.uk Alternatively if you prefer, please call Jan on 01844 290362.
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Your Money matters
ARE YOU READY TO RETIRE AT 65? Retirement seems so far away for some of us but with the state pension age going up it is more important than ever to financially plan for life after work. Having a pension is just one way to help you be financially secure when you've stopped working, and mistakes can be costly. It's all about planning for the future.
SEEKING ADVICE The pensions landscape has changed drastically in recent years and it is always worth seeking advice about your personal circumstances, either through an IFA or the Pensions Advisory Service can also offer you basic information. An independent advisor can help with several issues relating to retirement; how to pay off debts; keep your money in the right places and make a will to ensure your family is catered for and any expensive legal fees are avoided. We can put you in touch with an independent financial advisor, so if you have any questions about planning for your retirement, get in touch with us at info@ clarkhowes.com or call your local office. Written by Isabel Macbeth
Retirement planning means you need to see your money in a different light. Instead of accumulating funds, the approach will shift to having a steady, reliable income. This means you shouldn't plan in the same way you would for general investments. You'll need to make sure you will have enough to live on when you're not working anymore. You will need to consider how your lifestyle and outgoings will change. For example, you may have healthcare costs but much lower travel expenses. If you have one, you should also check to see how much is left to pay on your mortgage this can equate to quite a large expense when you are no longer working. Many people choose to pay this off in a lump sum in the early years of retirement. PENSION PLANNING Typically when people think retirement they think 'pensions'. Which is correct — with autoenrolment rolling out in the forthcoming years, providing you are eligible your employer will need to offer you a pension
scheme and will need to pay into it as well. This may have already happened to you. Work-based pensions aren't the only option, you can open a private pension scheme and by paying National Insurance contributions through your income over the years you are entitled to a state pension as well. Be sure to check your National Insurance contributions as this may restrict the amount of state pension you receive. It is unsure what the future holds for the state pension and it is vital that you seek independent advice if you plan on starting a personal pension. But, why stop at a pension? There are so many other types of investments and ways to prepare, it’s important to be as tax efficient as possible. Depending on the size of the estate you have, it is best to build a portfolio of a balanced mixture of investments and see what works best for you. AVOID FUNDAMENTAL MISTAKES All investors make mistakes, however in times of retirement they can be costly as funds may not be as replaceable as someone working full-time. Be sure to take advantage of all tax efficiencies you can. You can get tax relief on pension contributions and use ISAs to store cash where you won’t pay tax on interest. Avoid investing aimlessly and be sure to take the right advice for you and your situation.
Want to read more? Follow us @ClarkHowes, visit www.clarkhowes.com or call +44(0)8442 492 209.
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Jackson & Phillips Automotive Services Flying the flag for quality service to customers for over 40 years
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in review A Local Read Read this if:
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An inspiring story of family devotion and a personal search for proof of life after death. One moment creating tears of laughter and the next sadness. She, like many, has faced her mother’s battle with cancer, her father’s dementia, her son’s learning disabilities and her own ill health. Her mother, raised by Salvation Army parents, knew she would go to heaven and together they made a plan to prove that death was not the end and the spirit continued. The book takes us on a journey with Wendy as she seeks comfort, peace, strength and proof.
Read this if:
You are a politics or history buff
The Struggle for Democracy Paliamentary Reform from Rotten Boroughs to Today by Roger Mason The book does exactly what the title suggests. It reviews Read this if: the development of the United You are a searching Kingdom’s Parliamentary democracy for something. from before the 1832 Reform Act right up to the present day. Written d ve o r P Ho w I in an interesting style and full of fascinating and amusing anecdotes .... Philip Francis was elected MP for the borough of Appleby in 1802. There was only one vote cast and it was in Wen dy his favour. M ar ston published by the History Press How I Proved Life After Death ISBN: 9780750956260 by Wendy Marston All local reads are available on Published by Book Guild Amazon ISBN 9781909984745
Watch this if:
You love Bond films
Spectre release 26th October In the aftermath of Raoul Silva’s attack on MI6, a cryptic message sets in motion events that will see James Bond come face-to-face with the sinister organisation known as SPECTRE. While Gareth Mallory, the newly appointed M, continues fighting political pressures that threaten the future of MI6, Bond discovers that the only way to unravel the web of conspiracy is to protect the innocent daughter of a powerful enemy. Following a trail from Mexico to Italy, Austria and Morocco, he is forced to operate outside his purview as he is drawn into a confrontation with an enemy from his past
Listen to this if:
You watch X Factor and wonder who Rita Ora is!
Ora by Rita Ora Commercial pop for the masses with a sexy edge. This is her 2012 album with her current single Poison out now and released from her upcoming album.
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Aylesbury Festival Choir - Fauré Requiem on Saturday, 28th November 2015.
Accompanied by the Aylesbury Festival Ensemble and the Thame Youth Choir will join them for the ‘Mass of the Children’ by John Rutter. The concert will be held at Aylesbury Methodist Church, Buckingham Street, HP20 2NQ at 7.30 pm. Tickets are £12 ea and can be bought from members of the choir, Aylesbury Tourist Office or via www.aylesburyfestivalchoir.net.
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Recipe
Pumpkin Soup Winter Warmer
Serves 6
Ingredients
Soup 4 tbsp olive oil 2 onions, finely chopped 1kg / 2lb 3oz pumpkins or squash, peeled, deseeded and chopped into chunks ½ -1 tsp ground cumin 700ml / 24 fl oz vegetable stock or chicken stock 142ml / 5fl oz pot double cream Salt and pepper Garnish 75g / 3oz lardons Chopped chilli (optional) Tiny sage leaves (optional) Note:
Although this recipe will work with Halloween pumpkins they tend to be bred for size rather than flavour. If you want to use a Halloween pumpkin I’d recommend drizzling the pumpkin pieces with olive oil first, mixing them with the cumin and roasting them in the oven on Gas 6 / 200C for 20-30 minutes. Then follow the recipe as before. Roasting brings out the maximum flavour.
Method
Heat 2 tbsp olive oil in a large saucepan, then gently fry the finely chopped onions for 5 mins, until soft but not coloured. Add the peeled, deseeded and chopped pumpkin or squash to the pan with the ground cumin, then carry on cooking for 8-10 mins, stirring occasionally until it starts to soften and turn golden. Pour the vegetable stock into the pan, then season with salt and pepper. Bring to the boil, then simmer for 10 mins until the squash is very soft. Pour the pot of double cream into the pan, bring back to the boil,
then purée with a hand blender. For an extravelvety consistency you can now push the soup through a fine sieve into another pan. While the soup is cooking heat the remaining 2 tbsp olive oil in a frying pan, then fry the lardons until deep golden brown. Add some chopped chilli and a few small sage leaves to taste, then cook for a few mins more until they too are tinged with colour. Reheat the soup if needed, season to taste, then serve scattered with the lardon garnish. Preparation time: 20 minutes Cooking time: 25 minutes (If roasting pumpkin add 20-30 minutes)
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Looking Up In Beds & Bucks
By Seb Jay
The Night Sky October & November 2015 Discover the Andromeda Galaxy Tonight:
Ever seen a distant galaxy beyond our own? Now’s your chance! The Andromeda Galaxy is so far away that light from the stars inside it takes 2.5 million years to cross the void of space to Earth. Yet even at this great distance Andromeda is easy to find with binoculars. Look up high to your south mid-evening for a giant square pattern of stars, and an arc of bright stars running out left. From the square move along this arc by one star and lift your binoculars slightly upwards until you see an oval patch of grey light. This is the glow from a trillion stars that make up the Andromeda Galaxy.
See the ISS from Bedfordshire: Mid-October sees the International Space Station (ISS) sail over Bedfordshire in the evening sky. Look for a con-
stant bright white light travelling west to east. It’ll be brighter than any other star in the sky, and won’t flash. View it from Thursday 8 October to Monday 19 October between 7pm – 8:30pm.
Watch the Orionids and Leonids Meteor Showers: This autumn sees a double peak in meteor
activity across Bedfordshire. The first peak is on the night of 21-22 October when up to 30 shooting stars per hour from the Orionids may be seen between midnight and dawn. The night of 17-18 November sees the return of the Leonids. Expect 20+ shooting stars per hour after dark. Image: The Andromeda Galaxy by Torben Bjorn Hansen
seb@darkskytelescopehire.co.uk Dark Sky Telescope Hire www.darkskytelescopehire.
Got a free hour? Where could it take you? COME ALONG TO OUR
Friday 23rd October 10am - 4pm Friars Square Shopping Centre (outside BB’s Coffee), Aylesbury Discover how one hour could transform the life of an older or vulnerable adult. Meet over 20 charities and find the best of local volunteering opportunities.
Your Life. Your Community. Your Experience. communityimpactbucks.org.uk No need to register. To find out more contact: info@communityimpactbucks.org.uk or 0300 1111 250
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Out & AbOut in
beds & bucks 11th October Colour Rush See page 18 16th October 7pm -10pm Cheddington Food & Drink Fayre Come and join us in a celebration of eating and drinking at the 8th Annual Food & Drink Fayre at Cheddington Village Hall. As well as many stalls displaying and selling locally produced food including wine, pies, cakes, chutney, cider, honey and gin, there will also be food to eat on the night including home-made soup, samosas and crepes. £1 entrance on the door. Florence Nightingale Hospice Charity BEER FESTIVAL 2015 Our annual Beer Festival in partnership with CAMRA returns on Friday 23rd October 6pm - 11pm & Saturday 24th October 11am 11pm for it's 22nd year! There will be over 20 Real Ales plus Ciders and hot & cold food will also be on offer throughout the festival as well as live music and entertainment on the Saturday. Tickets on sale at The Fundraising Office, Aylesbury Tourist Information and the hospice shops in Aylesbury, Chinnor, Wendover, Leighton Buzzard and Winslow. Please call 01296 429975 for details or visit www. aylesburybeerfestival.co.uk Bucks County Council Sports & Social Club, Lower Road, Stoke Mandeville, HP21 9DR www.aylesburybeerfestival.co.uk Arts & Crafts - Autumn Lanterns For ages 7+ (5-6 years can attend when accompanied by an adult adults go free!) Come and make beautiful lanterns in glowing autumnal colours. £20 / £18 members 10am Tueday 27th October Queens Park Arts Centre, Queens Park, Aylesbury, Bucks, HP21 7RT www.qpc.org
31st October - 1st November Hand Made and Vintage Fair at Centre:MK see page 25
Waddesdon Manor Christmas Fair Wednesday 18 November to Sunday 6 December 2015 10am to 5pm (7pm on Friday, Saturday and Sunday). Closed Monday and Tuesday National Trust members and Under 5’s FREE. Normal admission charges apply In its second year our spectacular Christmas Fair will run across 15 days this year and will be offering gifts, decorations and festive foods. Held on the magnificent South Front of the Manor, overlooking the Parterre and Vale of Aylesbury. Our fifty five hand selected stall holders will be housed in charming wooden chalets and guarantee to bring you the best of local artisan producers as well as some of the nation’s best loved independent traders from across the country.
Aylesbury Rugby Club Aylesbury's biggest and most established Bonfire night Fireworks Music At Lunchtime: Canorum Trio display in association with Mix 96. 6th November 12:45pm - 1:45pm Gates open - 5.00pm Church Of St Mary The Virgin, Bonfire lit at - 6.15pm Fireworks Aylesbury, HP20 2JJ display starts at - 8.00pm Fun Fair / Fairground rides, bar, food stalls and much more Discover Artists return to Ivinghoe Free car parking Free Bus Service 28th - 29th November. 10am-3pm Courtesy of Mix 96 and Arriva Following their hugely successAylesbury town to Aylesbury RFC ful debut last November, locally and back again (see below for based artist group, Discover, are information / times) delighted to be returning to the Tickets £6 in advance £7 on the Ivinghoe Old School Community night Hub, on November 28th and 29th Under 3s free Tickets can be 2015, for their pre-Christmas Art purchased in advance from the Fair. Visitors will be able to meet following outlets the artists, see their latest pieces, Aylesbury Tourist Board and learn more about what inWendover Tourist Board spires them and how create their Jakeman Sports, Aylesbury work - and perhaps even discover Weston Stores, Weston Turville the perfect Christmas gift. - entry Big Al’s Tea Bar, Market Square is free. Little Italy Expresso Bar, Wendover Station 28th/ 29th November SIF Shop, Halton Celebrity Just Dance see page 9
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Are you ready for Christmas? Need a little extra financial help? Contact Aylesbury Vale Community Bank: we’re here to help you! Aylesbury Vale Community Bank is branch of Swan Credit Union, which spans Aylesbury, Milton Keynes, Thame and Didcot. We are different to high-street banks as we’re a not-for-profit cooperative -owned and run by its members. Our aim is to help people save and borrow at affordable rates.
Apply for our NEW Child Benefit Loan today Borrow between £250 and £500 - pay less than £12 per week * Complete your application and send in. Once your Child Benefit is being paid into the Credit Union you’ll receive your loan within a few days. See our website for further details: www.aylesburyvalecommunitybank.org.uk T: 03030 300147
Email: enquiries@swancreditunion.org
Safe Savings and affordable loans from your local community bank *example only
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