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nov/dec 2013
MICHAEL FASSBENDER TALKING ABOUT HIS NEW MOVIE THE COUNSELOR THE PERFECT PARTY OUTFIT
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CORE Contents
CORE Editor’s NotE
We have a mixed bag this month. Movie-wise we have a review of Prisoners, which stars Hugh Jackman, and an exclusive interview with actor Michael Fassbender who discusses his role in the new movie the Counselor. In Core Fashion we have a decidedly retro feel with a 60s inspired fashion shoot by lensman Howard ashton-Jones and retro party accessories with Lindsay Campbell of website Campbell Crafts, who is also giving Core readers the chance to win a fantastic vintage beauty bundle! Enjoy...
Drew Hipson, editor
04
10
CONTENTS 04 CORE EXCLUSIVE
18 HEALTH & BEAUTY
An exclusive interview with Michael Fassbender.
Health advice with Kelly McChord.
07 FILM
24 FOOD & DRINK
A review of Prisoners by Rachel Salveta.
Monthly food column with Claudio Celino.
10 FASHION
33 PROPERTY
Modern Lovers by lensman Howard Ashton-Jones.
Local Property for sale with Village Estates.
16 FASHION
35 MONEY
The Perfect Party Outfit with Financial advice with Tom Munro. Lindsay Campbell.
17 COMPETITION WIN! A Vintage Beauty Bundle.
ADVERTISE WITH THE BEST!
in loving memory of scott Humphries.
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Disclaimer. This publication may not be reproduced or transmitted in any form by any means, in whole or in part, without the prior written permission of the publisher. The publisher assumes no responsibility to any party for the content of any advertisements in this publication, including any errors and omissions therein. By placing an advertisement, the advertiser agrees to indemnify the publisher against any claims relating to the advertisement.
All articles, reviews, interviews & design by Drew Hipson unless stated otherwise.
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CORE exclusIve
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CORE exclusIve
COUNSEL MEETING an exclusive interview with Michael Fassbender
Acclaimed actor Michael Fassbender heads a stellar cast in sir ridley scott’s crime thriller The counsellor. Scott (alien, gladiator) directs from an original script by Pulitzer Prize-winning author cormac Mccarthy. Fassbender (shame, a dangerous Method) joins a cast that includes cameron diaz, Javier Bardem, Penelope cruz and Brad Pitt. Fassbender, who starred for Scott in his box office hit Prometheus, plays the title role, the counselor, a lawyer tempted into a drug deal by the promise of quick riches. This film seems to have come together very quickly. When did it start for you? I can’t remember. I just know that it happened really quickly. It was before I went off to New Orleans so I knew I was doing 12 Years a Slave and then going straight into this. I think I had like a week and a half between the two jobs, so it was straight into it really. It’s a gift of a part. a cormac Mccarthy script, directed by ridley scott, and some amazing dialogue that must be incredible for an actor to chew over?
Absolutely, although the Counselor is pretty sparse with his dialogue. He seems to be getting counseled by everybody else around him and yet he’s called the Counselor – so that’s pretty interesting. I always like to do long takes because it’s fun and there’s more at stake, for everybody, the entire crew. I think an energy is created and it’s palpable. I always like that – you know, a nine-page scene with Brad and Ridley drops down to three cameras and off he goes. The writing is so exquisite and sophisticated that you just don’t get that opportunity very often. This is one script where you just don’t know
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CORE exclusIve
what is going to happen next and how these characters are going to progress or regress, or what is going to happen to them. It’s done so well with the amount of information that Cormac releases and the amount he holds back or leaves open for either the actor or the audience to fill in the blanks. In the third act everything gels together and everything becomes clear – what all the components were about and how they all have a domino effect on each other. It’s just rare to get a script like that ridley described it as ‘savage and rude.’ Would you go along with that? Yes, I think it’s brutal and beautiful. For my own character obviously there’s the relationship with Penelope’s character and that’s real. Some of the things they say to one another could be seen as quite vulgar if it weren’t two people in love and being honest and being totally dizzy with one another. They’re intoxicated with each other? Yes, and that’s got to be there because if that’s not there then there’s nothing at stake for the characters, and the audience won’t feel it. There is honesty about the writing I would say. Brutal and beautiful is how I would put it. How different an experience is it from Prometheus? Is it a common experience because it’s ridley? We’re moving faster. Obviously when you are doing something like Prometheus you are dealing with 3D imagery, all that set-up, and it’s time costly. But we’re moving so fast on this – there’s a real fluidity to it, a flow, and there’s just a confidence with the whole crew. I had the privilege to work with them on Prometheus and now again on The Counsellor. Ridley is loyal and his team works like a well-oiled machine. And it’s great to be back and see those faces and not only are they top notch at what they do in all departments, they are also very nice people,
so it’s easy. Everybody is doing their job in harmony and that’s pretty amazing to see. You have a big crew, including three or four different camera teams, and they are all in tandem, it’s pretty cool to see. You’re on a roll again, making movies backto-back. Yeah, and I don’t think I’ll stop for a while; I’ve got a few things. It looks pretty hectic for a while. I said to Cameron, “I did six films and then I took a year off.” And she said, “Wow, I do two films and then I take a year off.” (laughs) I’ve got some catching up to do I guess. Would you like to get back with Tarantino? Hopefully, yes. The thing with Tarantino is that the way he writes you just have to obey the script and you’ll be looked after, you won’t have to do anything. The person who tried to re-write Tarantino would be a fool because it’s all about rhythms. And that’s what I’m realizing, I love music and this game for me is all about rhythms. I know when I’ve done scenes and I think, “Wow, (snaps fingers) we were on a rhythm there.” You can feel it when the rhythm is on. And text is like that. I treat it like a piece of music and Tarantino is totally like that. He’ll actually give you a line if you’re getting the rhythm wrong. You couldn’t get two more different directors than Tarantino and steve McQueen. There’s no template for a director. But is there common ground? The common ground is that all of them are passionate as hell about what they are doing, they love their work and all of them are super confident, all of them communicate very clearly. They all expect a lot from everyone on their crew. You come to work prepared for all of those guys. And woe betides the person who comes unprepared because these guys are prepared and they expect the best from people. •
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CORE FIlM
FILM REVIEW PRISONERS > By Rachel Salveta Directed by Denis Villeneuve and starring Hugh Jackman and Jake Gyllenhall, 'Prisoners' is a gripping thriller about a man who will do just about anything to bring to justice the abductor of his daughter, even if it means risking his own life. When Keller Dover's (Hugh Jackman) daughter and her friend go missing in the middle of Thanksgiving festivities, panic ensues. With the girls last seen playing near a mysterious camper van parked outside, its owner becomes the subject of much interrogation, however, as detective Loki (Jake Gyllenhall) questions suspects, it seems that they are getting no closer to finding the two girls and it is at this point that Keller takes the law into his own hands. Feeling that he has failed his family by not keeping his daughter safe he will go to extreme lengths to uncover the truth and the viewer is left to watch in amazement at just how far this desperate father will go.
Not only does 'Prisoners' keep you hooked throughout, it also raises important questions on the issue of morality and whether things can be regarded as the right thing to do in certain circumstances. It is though-provoking and shows how devastating events can trigger evil in someone previously not capable of it. Fresh from his Oscar nominated role in 'Les Miserables', Hugh Jackman gives yet another powerful and heart wrenching performance as a father living his worst nightmare, however the whole cast -which includes Maria Bello, Melissa Leo and Terrence Howard - also give excellent performances making it one to watch for next year's award season. 'Prisoners' is an intelligent and thought provoking movie that will keep you thoroughly entertained throughout.
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CORE FASHION
Modern
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Photographer: Howard Ashton Jones, Dunfermline Models: Sula Powell, Megan Cullen, Ray McGurnaghan Hair: Lorraine Powell Make Up: Kayren Campbell of Rouge, Kirkcaldy Location: Dunnikier House Hotel, Kirkcaldy Wardrobe: Sphere Turret Styling: Jacki Winter Props: Kindly supplied by David Donald and Aileen Robertson from Kingdom Scooter Club.
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CORE FASHion
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Pampered Belles health & beauty
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Check our facebook page for monthly Special Offers
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01236 898343 23 Main St, The Village, Cumbernauld, G67 2RR Email: pamperedbelles@live.com 14 core MagazIne NOV/DEC 2013 I TO ADVERTISE CALL: 07753 425 348
CORE FasHIon
Photograph by Paloma Fernandez www.facebook.com/palomafernandezphotographer ax Paris black dress l1118a £24.99 guideModel: londonMarlies shirt sH738a £59.99 roland (esca rose Model agency) ax Paris aztec dress l1127a £19.99 stylist: laura villanueva (www.lauravillanueva.com) Wardrobe
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CORE FASHION
With Lyndsey Campbell of Campbell Crafts
Left: Le Keux Peachy Keen Lip Paint £11.50
T
he vintage vibe has been a massive trend for a while now, with shows from the 50’s and 60’s taking over our television sets. With Christmas right around the corner, you need to have the perfect party outfit for all your events you are attending. A glamorous look can be easy to achieve if you look to the bygone era, full skirts with lots of fabric to hide lumps and bumps, wiggle dresses to accent your curves and sexy separates to make them wearable time and time again. If you have your Christmas party look sorted, then why not look to grabbing some fantastic vintage inspired treats for your loved ones? A vintage inspired handbag can make a classic black dress have a little retro magic, tights with a fantastic black seam are a must have, while a headscarf is fun and flirty. All ideal gifts for those friends and family’s stockings! Whatever you are looking for you can find it at www.campbell-crafts.com and enjoy
10% off your first order with code NEW10. As an added bonus we have a great comp to win a surprise vintage inspired beauty bundle. Just answer this question: Which film did Marilyn Monroe star in? a) Some Like it Hot b) Breakfast at Tiffany’s c) Cleopatra Email your entry with your name and address to: allmodicon@hotmail.com Competition closes 18/12/2013.
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CORE FASHION
Below: Collectif Sash Hair/ Neck Scarf Leopard Print Chiffon £4.00
right: Gerry Roxby Vintage Lace Black Wiggle Dress £95.00
Left: Trashy Diva Honey Dress in black £100.00
Left: DIY Nails - Vintage Inspired Decals £5.00
Below: Folter Scarlett Vintage style Red Handbag £40.00
Above: We are Faux Bewitching lashes £8.00 We are Faux Dulcet lashes £9.00 All items are available from www.campbell-crafts.com
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CORE health & Beauty
THE BOTOX HEADACHE… We all know that chronic migraines can be extremely debilitating and can significantly affect a person's quality of life. What we didn’t know is that Botox® can now be considered as an alternative option for the prevention of headaches for people who suffer chronic migraines.
Words by Kelly McChord.
B
eyond reducing wrinkles, Botulinum toxin can now help people who spend more than half their lives in headache agony. Botox® can now be considered as an option for the prevention of headaches for people who suffer chronic migraines that have not responded to at least three prior preventative drug treatments. Chronic migraines can be extremely debilitating and often significantly affect a person's quality of life. Migraine symptoms are thought to be due to abnormal changes
in levels of substances that are naturally produced in the brain. Often, migraines react to a variety of triggers, such as lack of or too much sleep, bright lights, loud noises, strong odours, alcohol and caffeine. These triggers can vary from person to person and don’t always lead to migraine. So, why Botox®? It all started in the mid-1990’s when a number of health professionals reported improvement in headaches in patients receiving botulinum toxin for other reasons. Well-conducted clinical trials of
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CORE heAlth & BeAuty
botulinum toxin in various types of headache followed and identified that there might be a subgroup of patients with chronic migraine who could benefit. The idea began to spread and clinicians started giving Botox® as an "off-label" treatment – that is, in a way not approved by regulators – to people with migraines. In July 2010, Botox® was licensed in the UK specifically for the treatment of chronic migraine by the Medicines and Healthcare products Regulatory Agency (MHRA). how is Botox thought to help chronic migraine? No one knows. The general consensus is that the blocking of muscle contraction isn't involved in headache relief. Beyond that, researchers are generally stumped. Botulinum toxin has been shown to reduce pain in a number of disease states, including neuropathic (nerve) pain, lower back pain, spasticity, bladder pain and, more recently, depression. Botulinum toxin
is therefore believed to affect the central pain processing systems that generate migraine headaches. What is the treatment and how long will it last? Botulinum toxin to treat chronic migraines is given at intervals of about 12 weeks as multiple injections around the head and neck to try to dull future headache symptoms. This is expected to produce results lasting up to three months depending on the individual patient. It is important that patients who suffer chronic migraines discuss with their doctors whether Botox® is appropriate for them. If your health professional has recommended that you are suitable for this treatment, but you are having difficulty accessing Botox® from your local NHS healthcare provider, then contact: Dream Beauty Aesthetics on: 07860 878 096
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For Exclusive Membership Offers call: 01236 860722 and Quote Core
The Westerwood Hotel & Golf Resort, 1 St Andrews Drive, Cumbernauld, G68 0EW
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We also offer a dedicated outdoor play park which is great fun in good weather.
Contact Emma on 07935 600 747 Dullatur Village Hall, Victoria Road, Dullatur G68 0AW dullaturplaygroup@hotmail.co.uk www.dullaturplaygroup.co.uk
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07825 580 311
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CORE food & drink
BUON NATALE!
C
hristmas is nearly here and in years gone by I’d be taking it relatively easy at the moment, gearing up for the busiest month of the working year. I’ve got to say, this year is a bit different, the past month has been mental!! Firstly, I decided to give the shop a major makeover for Christmas. As I mentioned last month, I celebrate my 40th this month. For others, a mid-life crisis may involve buying a motorbike, heading to Glastonbury or starting to learn the guitar (allegedly symptoms of the modern midlife crisis!) but me, I decided to refurbish the shop. It started as minor refurb but ended up pretty major giving me a few more sleepless nights than usual and a lot more grey hair in the process. However, as I start to get the Christmas stock on the shelves and look around me, it’s been well worth it. Secondly, my social calendar has been the
busiest it’s been since my eldest was born over 5 years ago – stag nights, charity events and to top it all off the inaugural Scottish Italian Awards at the Hilton. We were absolutely delighted to be presented with the Best Italian Bistro Award which now has pride of place in the trattoria. Excitement is building in Celino’s for the run up to Christmas. Yes, it will be busy (hopefully!) and hard work but brilliant fun. You can bring family, friends, work colleagues along for Christmas lunch (£15.95 for 3 courses), Christmas dinner (£24.95 for 3 courses) or Christmas Tapas (£14.95 for 3 Tapas, Wednesday evenings only) and enjoy the special festive atmosphere and take the opportunity to check out the new décor at the same time. Why not put a touch of Italian flavour into your Christmas celebrations this year? Our deli
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CORE fOOD & DRInk
offers a wide range of high quality products including meats, cheese, homemade chicken liver marsala pate, olives, roasted aubergines and peppers, aged balsamic vinegars, olive oils, Italian bread and wines. We are sharing the Christmas Day cooking in the Celino house this year. My job is to prepare a mouth-watering Antipasto Mare e Monti (see below) and to supply the wine, Colle dei Tigli Bianco and Cinciano Chianti Classico Riserva. Don’t forget that Celino’s is also a great place to pick up Christmas gifts, for example: • Celino’s Christmas Hampers are beautifully presented and full of the highest quality Italian produce. Ranging in price from £24.95 to £165 and including the Caffé Caffé Basket and the very popular Party Hamper, there is something for everyone. • We stock a wide selection of Italian chocolates, biscuits and panettone. • Pick 3 of our quality Italian wines, including award winning Cinciano wines, and present them in a branded gift box. • We also sell Celino’s Gift Vouchers. Antipasto Mare e Monti (Serves 4) The Antipasto Mare e Monti will consist of tiger prawn cocktail and thinly sliced cold cuts of San Daniele ham, Mortadella, Salame and Capocollo. The Prawns You will require 250g fresh tiger prawns, de-veined and butterfly cut. In a shallow frying pan boil water and add a touch of salt then add the prawns and simmer for 3 min or until they turn pink in colour. Drain in a colander, leave for 20min to cool and then place the prawns in the fridge to chill. The Sauce Ingredients 6 heaped tbsps of top quality mayonnaise 1 tsp brandy ½ tsp sugar 1 tsp good quality balsamic vinegar A squeeze of fresh lemon Two splashes of Lea & Perrins
2 tbsps of good quality tomato ketchup Method 1. Mix well in a bowl and chill 2. To serve, use cocktail glasses, fill with crunchy iceberg lettuce, place a handful of prawns on top then spoon over the sauce, dust with paprika and serve with a slice of lemon. The Cold Cuts Pop in the car and take a drive down to Celino’s deli on the Monday or Tuesday (Christmas Eve) and we will thinly slice the very best Kings San Daniele, Golfera Salame Milano, Mortadella Antica Emilia I.G.P. and some Capocollo for you. It would also be a good idea to buy a large crusty Italian loaf as this goes well with the antipasto and also serves as a great accompaniment to homemade soup if that’s on the menu. Wines Chianti Classico Riserva D.O.C.G – Intense, warm, smooth, soft, long and elegant in the mouth. Perfect with meat and ripe cheese. Colle dei Tigli Bianco del Veneto I.G.T – Gold medal winner at the Concours Mondial 2012. A blend of Cortese and Garganiga grapes. Fresh, non-acidic and easy on the pallet. Buon natale e felice anno nuovo! Claudio Celino
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the black bull Bar & Restaurant
2 can dine for £12.99!
Bottle of House White or Red wine only
Sun - Fri* - from 12pm (Last orders 9pm)
£9.95
Starter & Main or Main & Dessert for 2 people * Excluding Public & Bank Holidays
Entertainment every Fri & Sat Night - Cabaret
Christmas Party nights Every Fri and Sat in the Black Bull 3 course dinner menu Cabaret and Christmas music £16.95
Black Bull Hogmanay Party Bring in the bells in style with our fantastic cabaret act 3 • Course Steak Pie dinner £12.95
Join us on Facebook & Twitter The Black Bull, Main Street, Cumbernauld Village
01236 739448
THE CIRCLE Private Functions at The Circle, 18th, 21st, Engagements, Anniversaries, basically whatever the celebration we will work to make your event special. Let us know your requirements for the night - the number of your party, whether you want a Karaoke, DJ, Buffet etc.. For more info call: 01236 728888 www.thecirclecumbernauld.com Core Core Magazine Magazine APRIL/MAY NOV/DEC2013 2013IITO TOADVERTISE ADVERTISECALL: CALL:07753 07753425 425348 348 33 27
Nov/Dec Entert ainment Condorrat Social Club
Friday 29th......................................Riff Raff Saturday 30th...........motown extravaganza with Craig Johnston Sunday 1st december ....................tam bell Friday 6th.......................................bell boys Saturday 7th.................................mcSmiths Sunday 8th......................duncan mclellan Friday 13th.......................................Westend Saturday 14th................................Southside Sunday 15th .........................Craig Johnston Friday 20th.................................Superstition Saturday 21st.....................................Riff Raff Sunday 22nd.................................dave lewis Friday 27th...................................Revelations Saturday 28th .......................................m-Jay Sunday 29th ..................................Southside
H O G M A N AY D I N N E R D A N C E With wine, Pipe band, Cabaret, group and Piper at midnight
tickets on sale now £25.00 Senior Citizens dinner & Children Party tickets available until 30th november on production of current membership. Function Hall available weekends for Wedding Receptions, Birthdays, Anniversaries, Christenings etc: condorratsocialbookings@hotmail.co.uk Games Room with Pool Table & Snooker Tables Sky & BT Sports Live -Two games avaialbel at the same time. Club is open until 1.00am Fri & Sat.
Condorrat Social Club, 9 main Road, Condorrat g67 4bt Tel: 01236 451040 Free
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25
New
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Presto Menu - Main Course £4.95 Add a Starter or Sweet for only £2.00 each
12 - 4pm 7 Days a week* Pre-Theatre - 2 Course: £10.95 A La Carte Available at all times
* Subject to availability or Change
Christmas Party nights Every Fri and Sat in December 3 course dinner menu • live entertainment open dance floor • till late • £19.95
Hogmanay Dining Bring in the bells in style 3 course Sirloin Steak Special • Live entertainment open dance floor • till late • £19.95
Hogmanay Party @ Puccini’s Bar Glass of bubbly on arrival • Late night buffet Live Entertainment • Tickets £10 per person
KWIK KARS Business Accounts Whether you are entertaining clients, need transport organised for a meeting or simply want to travel to your destination in comfort and style, Kwik Kars can provide you with full corporate transport. if you would like to find out more about our Business Accounts then please contact us today.
01236 720208 Core Magazine NOV/DEC 2013 I TO ADVERTISE CALL: 07753 425 348 29
Choose Qualit yt his
Christ mas Ordering has never been easier! Simply view our digital brochure on our Facebook Page then Facebook message us your order, including your name, address, telephone number, preferred store and preferred date/time for pick up. (If a V.I.P Member please include your membership number). Every order we receive via Facebook will receive a FREE Side Dish or FREE Stuffing!
Paul’sQuality Butchers pl ea sed to me at you - me at to plea se you Fr om t he b u tcher you can tru st Paul’s Quality Butchers, 16b Main Road, Condorrat
30 core MagazIne NOV/DEC 2013 I TO ADVERTISE CALL: 07753 425 348
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Everyone at Moore & Partners wishes you a very Merry Christmas and a Happy New Year.
01236 727715 email: info@moorepartners.com website: www.moorepartners.com Lennox House, Lennox Road, Seafar, Cumbernauld,G67 1LL
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independent estate agents & Mortgage advisers We can also arrange the following:
• HOME REPORTS & SURVEYS • SOLICITORS 28 laurel square, Banknock
under
43 falkirk road, BonnyBridGe
offer
seldom available, 2 Bedroomed lower cottage flat in the area of Banknock. Externally the property boasts lovely well maintained gardens to front and rear of property. Early viewing is advised to appreciate this lovely home.
superb opportunity to purchase this two Bedroomed upper cottage flat with large garden areas. There is also a balcony that can be accessed from the hallway that over looks the front of the property. Early viewing is advised to fully appreciate the accommodation on offer.
fixed price £65,000
offers around £54,995
114 oak road, aBronhill
8 Maple road, aBronhill
superb opportunity to purchase this beautifully presented 3 Bedroomed Ground floor Maisonette flat located in the Abronhill area of Cumbernauld.
extended end terrace village in the abronhill area of cumbernauld. Property comprises: Large open hallway, generous sized dining kitchen, large spacious lounge, dining room/family room/bedroom, 2 spacious double bedrooms, 3 piece family bathroom suite, off road parking and low maintenance garden.
offers around £64,995 24 ochil Gardens BonnyBridGe
special offer!
fixed price £85,000 49 roadside, cuMBernauld VillaGe
50% off up-front fees
unique upper Main door flat in Castlecary which has been upgraded to a high standard. Property comprises: Entrance hallway, bright spacious lounge, beautiful fitted kitchen, shower room, two double bedrooms, designated parking space, gas central heating and double glazing.
reduced
fixed sales fee.
offers around £84,995
Village estates are delighted to welcome to the market this 3 Bedroomed end terrace Villa in cumbernauld Village. The property is in need of upgrading which is reflected in the asking price. Viewing is a must to fully appreciate the potential on offer.
offers around £49,995
• Competitive Fixed Sales Fees • Pro-Active Marketing • Full Range of Mortgage Products available 2 The Wynd, Cumbernauld Village, G67 2SU. tel: 01236 636101 148-150 Cumbernauld Road, Muirhead G69 9DX. tel: 0141 779 9024 www.Ve-estates.com
core MagazIne NOV/DEC 2013 I TO ADVERTISE CALL: 07753 425 348 33
Home interior solutions
TE LE P H ONE: 0 1 3 2 4 6 3 0 3 9 1 Uni t 5 Al mond Rd , Mi d d l efi el d I nd us tri a l E s ta te, Fa l ki rk, Sti rl i ngs hi re, FK2 9 H Q 34 core MagazIne NOV/DEC 2013 I TO ADVERTISE CALL: 07753 425 348
CORE MoneY
DUST DOWN THOSE OLD POLICY DOCUMENTS... A big part of the work I carry out for clients involves consolidating various pension pots into one easy to administer account, where a more focused investment approach can be adopted. Having carried out extensive research recently, national adviser firm Bestinvest uncovered a shocking fact revealing billions of pounds of pension funds are languishing in poorly performing funds. Apparently 113 such funds holding a staggering £33bn have significantly underachieved. These ‘zombie funds’ as they have become known no longer allow new investment, but nevertheless continue to apply hefty management fees. The worst performing funds have underperformed their respective benchmarks over the past three years by up to 25% losing savers a significant amount of money whilst seriously reducing future retirement income. Numerous funds are managed by companies such as Phoenix and Friends Life - who ‘buy up’ funds from other insurers and are managed ‘in house’. Other funds highlighted in the survey include offerings
available through many of the UK’s largest pension providers as part of their multimanager range. Don’t assume though if your pension funds are not managed by the company’s highlighted on the list of ‘dogfunds produced by Bestinvest each year’ they are fine, there are many more underperforming funds where it may be worth switching. I am raising this issue as guilty fund managers are effectively being rewarded for failure. An underperforming fund is exacerbated even further with high annual charges which have a major outcome on its performance. Take advice before you decide to switch though as many of these plans will apply exit charges however, modern cheaper versions with significantly lower charging structures and fund offerings can often offset these costs. See you next month, Tom Munro
www.tommunro.co.uk
core MagazIne NOV/DEC 2013 I TO ADVERTISE CALL: 07753 425 348 35
36 core MagazIne NOV/DEC 2013 I TO ADVERTISE CALL: 07753 425 348
tel: 01236 724 790/Fax: 01236 455997 mob: 07738 914112 email: admin@paulmckendryaccountants.co.uk www.paulmckendryaccountants.co.uk core MagazIne NOV/DEC 2013 I TO ADVERTISE CALL: 07753 425 348 37
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38 core MagazIne NOV/DEC 2013 I TO ADVERTISE CALL: 07753 425 348
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