SUPPORTING VILLAGE LIFE & BACKING LOCAL BUSINESS •
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Redbourn
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Kinsbourne Green & North Harpenden
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Markyate & Flamstead
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FR T
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Caddington & Slip End
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Studham & The Gaddesdens Kensworth & Whipsnade
Also in this issue ...
10,000 copies delivered door-to-door
•
Traditional saving and spending habits have been turned upside down – say Capital Manor Financial Advisors
• • • • •
Autumn bulb planting for a long season of colour - Amberley Garden Services Making or signing a Will during the pandemic - Sherrards solicitors LOCAL CLUBS & SOCIETIES DOUBLE PUZZLE PAGE with local clues Services Directory
Front Cover July Aug 2020 2.indd 1
20% discount on adverts to help businesses get going again 27/07/2020 17:29:59
Fusion Foods • FREE home delivery service 4 miles radius • Banquet takeaways on Tuesdays and Wednesdays 1 starter, 1 main, 1 vegetable side, 1 rice or naan bread for £11.95 • For fish or king prawn main, add £3.50 • Minimum order £15.00 • 10% off collection • 5 star hygiene rating BEST CHEF Indian Takeaway for Herts 2019 awarded to Fusion Foods by Curry Life In the first year of trading, FUSION FOODS takeaway of Markyate, has won the prestigious Curry Life award for the BEST CHEF at an INDIAN TAKEAWAY. Regular chef Murshed was awarded with the coveted plate at the annual award ceremony, along with owner Gyash Uddin.
121 High Street, Markyate, Herts AL3 8JG www.fusionfoodsmarkyate.co.uk
Fusion Sept Oct 2020.indd 18
27/07/2020 15:30:31
3
Our PANORAMIC GARDEN will REOPEN on the 6th Aug!
"Enjoy a Take away at home!"
The Bell in Studham O U T SI D E W I N E & P I T C H E R BA R !
" F O O D, DRI N K S & L A RG E G A RDE N ! " PHONE ORDERS & COLLECT FROM PICK UP POINT! TAKE AWAYS: 01582 872460
"An Award Winning Pub"...
www.thebellinstudham.co.uk Dunstable Rd, Studham, Beds. LU6 2QG
Email: info@thebellinstudham.co.uk Vegetarian & Vegan Dishes freshly prepared EXTENSIVE CLEANING & MEASURES IN PLACE TO BE COVID SECURE To advertise call 07941 661004
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Inching towards normality Your local magazine for Redbourn, Kinsbourne Green and North Harpenden, Markyate, Flamstead, Caddington, Slip End, Aley Green, Woodside, Kensworth, Whipsnade, Studham and the Gaddesdens.
After four long months of lock-down, which has seemed like an eternity, we are gradually moving towards what is more normal. It’s good to see most of our businesses opening their doors to customers once more. To help them on their way, we have offered 20% discount on all advertising so good luck to everyone. Life is not the same as before; we now wear masks when shopping, continue to practice social distancing and have to be prepared for local lock-downs. Buying a new bike and being able to watch sport on TV has kept me going. A holiday abroad would be an absolute joy ... but not just yet. Keep smiling,
We are helping your businesss to get going again with 20% discount on advertising rates for the first advert after lock-down
Pretty Slip End
Prices start from just £32 10,000 copies of MiMagazine delivered door-to-door email janet@mimagazine. co.uk or call 07941 661004 to find
Sue Mitchell
out more
T C FEEDS & TACK HAVEN Dovehouse Lane, Kensworth, LU6 2PQ Tel: 01582 872333 For all your pet and equestrian needs Opening hours: Mon - Fri 8.30-5.30 Sat 9-5. Sun and bank hols 10-4. Closed Xmas Day, Boxing Day, New Year’s Day and Easter Sunday
M G Furniture Makers Ltd
Malcolm Gale, Swift Workshop
28 Swifts Green Close, Stopsley, Luton LU2 8BS Workshop: 01582 722511 Mobile: 07957 888735
-
Specialising in bespoke furniture making. Restoration of antique and modern furniture. French polishing and spray finishes. Established over 40 years in the furniture trade.
Free quotations. www.mg-furnituremakers.co.uk mg_furniture@yahoo.co.uk Disclaimer: MiMagazine is published in good faith and cannot be held responsible in any way for inaccuracies in reports, articles or advertising appearing in the magazine. The views expressed in editorial may not necessarily reflect the views of the editor. Photographs and materials submitted by readers or advertisers can only be published if permission has been granted by the photographer, author and the persons appearing in the photos. MiMagazine cannot be held responsible for checking all such permissions have been granted.
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5
• Family Owned & Operated • 350+ 5 Star Reviews • Flexible Monthly Payments • Up to a 12 Year Boiler Guarantee
Expert Advice, Specific to You , Your Home & Your Budget
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Competitive Pricing with No Hidden Costs
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7/27/2020 4:51:11 PM 6/3/2020 5:06:01 PM
eco ROD eco ROD eco ROD eco ROD PLUMBING SPECIALISTS eco ROD eco ROD PLUMBING SPECIALISTS eco ROD PLUMBING SPECIALISTS eco ROD eco ROD PLUMBING SPECIALISTS eco ROD PLUMBING SPECIALISTS eco ROD PLUMBING SPECIALISTS eco ROD 6
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in drainage, water softening, company with specialisation Well-respected plumbing CCTV surveys, high pressure Tel: 01582 794762 in drainage, water softening, plumbing company water jetting and moling. Mob: 07733specialisation 308 999pressure CCTV surveys, high ompany with Web: www.ecorod.co.uk with specialisation water jetting and moling. Tel: 01582 794762 n drainage, water softening, Well-respected plumbing Mob: 07733 308 999 in drainage, Tel: 01582 794762 PLUMBING SPECIALISTS Web: www.ecorod.co.uk CTV surveys, high ompany with specialisation Mob:water 07733 308 999pressure softening, Web: www.ecorod.co.uk water jetting andsurveys, moling. n drainage, water softening, CCTV CTV surveys, high water pressure high pressure Well-respected plumbing el: 01582 794762 water jetting and jetting SPECIALISTS andmoling. moling, PLUMBING ompany with specialisation Mob: 07733 308 999 bathrooms, Well-respected plumbing nel: drainage, water softening, Well-respected plumbing Web: www.ecorod.co.uk 01582 794762 company with specialisation ceramic tiling, PLUMBING SPECIALISTS CTV 07733 surveys, high pressure ompany with308 specialisation in drainage, water softening, Mob: 999 24 Hour CCTV surveys, high pressure water jetting and moling. n drainage, water softening, Well-respected plumbing Web: www.ecorod.co.uk water jetting moling. call out and available CTV surveys, high pressure ompany with specialisation Tel: 01582 794762 01582 794762 water jetting and moling. nel: drainage, water softening, Well-respected plumbing Mob: 07733 308 999 Web: www.ecorod.co.uk Mob: 308 999 CTV 07733 surveys, high pressurewww.kingsholme.co.uk ompany with specialisation Well-respected plumbing Web: www.ecorod.co.uk 01582 794762 water jetting and moling. nel: drainage, water softening, ompany with308 specialisation Mob: 999 CTV 07733 surveys, high pressure nel: drainage, water softening, Well-respected plumbing Web: www.ecorod.co.uk 01582 794762 water jetting and moling. Established over 21 Years Glazed Extension Specialists Full Design & Build Service Kitchen Extension Experts
For a Free, No-Obligation Quotation or Advice Tel: 01582 873897
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7/27/2020 9:45:45 AM
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DRIPS ‘N’ THINGS LTD 9 Brookfield Ave, Houghton Regis, Dunstable, Beds LU5 5TS
Goodson Builders Ltd Established 1975 COVID 19 SPECIAL OFFER PRICES New build extensions and renovations Expert in conservation & heritage work
All domestic plumbing Plus:-
Bathroom Suites Supplied and Fitted
Dishwashers, dripping taps, tanks and washing machines All work guaranteed FREE Estimates Small enough to care. Established 37 years No call out charge Same day service often available
Tel: 01582 862554 email: dripsnthings@gmail.com www.dripsnthings.co.uk
Dripsnthingsquarternew.indd 1
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Complete service from drawings to decoration Quality old fashioned craftmanship Competitive old fashioned prices Guaranteed to please Full Building Maintenance Service All work quality assured & guaranteed Testimonials available
Call: 07850 746171 Email: goodson.builders@lineone.net goodson.builders@lineone.net
7/11/2019 11:16:11 AM
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7/27/2020 9:46:33 AM
8
Autumn bulb planting
for coolour from March to Nov 3.
This short article will highlight some fantastic bulbs and plants which can be utilised in many different gardens and give huge benefits by way of colour (which attracts pollinators) and longevity (long flowering period). This selection will also work as a stand-alone bed so if you are looking to make some changes to your garden this offers a very simplistic, cost effective, ready-made design.
Bulbs
I am always very reliant on bulbs to fill in gaps when not 1. much is happening in the garden and use different types especially from March through to June. Daffodils – there are so many different varieties and planted in clumps of ten make a real impact and can spread the season �rom March through to April. One of my favourites is the fragrant, multi headed ‘Narcissus Bridal Crown’ (for height) and then Narcissi ‘Rip van Winkle’ (which seems to flower forever) and ‘Bulbocodium Conspicious’ as dwarf varieties (March to April). Tulips – When choosing tulips, I always consider how they will look once the rain has been and gone. Parrot and fringed tulips such as Estella Rijnveld (pic1) always look amazing but one burst of rain is enough to damage their fragile flowers and all that painstaking work planting will be lost in an instant. (April to May). The more sturdy shaped varieties such as ‘Triumph (pic2), Darwin Hybrid, Kauffmania and Purissima tulips always seem to last longer Alliums – Alliums flower between May- June and are pretty balls on single stems of different colours and sizes. Two that work really well together are Mars and Mount Everest (Purple and White) which will reach heights of 1.4m and the BEES LOVE THEM! (pic3)
2.
Feature Plants
Trio of colours Hydrangaea Annabelle, Crocosmia Lucifer and Verbena Lollipop This combination start flowering in mid-June and will continue all the way through till late September and all complement each other very well. They cope with all soil types, are pretty drought tolerant and can be used as cut flowers for a vase in the house. So here you now have a quick design bed using feature plants and bulbs, happy gardening. Paul Cramp, MCI Hort (Amberley Garden Services Ltd)
To advertise call 07941 661004
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Butterfly Funerals Independent family funeral directors
Our aim is to provide an outstanding professional, cost effective and friendly service
✓ ✓ ✓ ✓ ✓
Established over 50 years Traditional values with forward thinking and modern technology Full range of business and personal accountancy and tax services Latest cloud software Tel: 01582 608601 99 High Street South, Free initial meeting Dunstable, LU6 3SF
Contact us today: enquiries@stotengillam.co.uk www.stotengillam.co.uk @stotengillam
ROOFING DIVISION
CLARIDGE & HALL BROS LTD Est 1890
01582 840201
SPECIALISTS IN ALL TYPES OF ROOFING WORK
Quality work at competitive prices in Hertfordshire and the surrounding areas Please telephone Graham Parkins for advice or a FREE QUOTATION on 01582 840201 or email enquiries@claridgeandhall.com CLARIDGE & HALL BROS LTD - THE STABLES - VALLEY FARM - VALLEY LANE MARKYATE - HERTS - AL3 8AT To advertise call 07941 661004 Claridge New.indd 2
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7/27/2020 10:26:29 AM
Cladwinds Full Nov 19.qxp_Layout 1 04/11/2019 17:31 Page 1
Transform your home with beautiful new windows from Cladwinds. A trusted local ďŹ rm with 35 years manufacturing and installing experience
Replacement aluminium fascias, soďŹƒts and seamless guttering. Conservatories, Windows, Doors & Conservatory Roof Conversions
Insurance backed 10 year guarantee
Est. since 1985
Visit us at: Leighton Buzzard Garden Centre, Leighton Road, Leighton Buzzard, Beds LU7 9NX or visit our Factory Showroom: Unit 17, Triumph Way, Woburn Rd Ind Est, Kempston, Beds MK42 7QB
Contact Peter Pascan
Tel: 01525 405330 ppascan@btinternet.com
Please mention www.cladwinds.com
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11 11
ADVERTISEMENT
Home Counties Loft Ladders, PANES MES! Quality You Can Trust!
These days most homeowners Cloud 9 replace failed or brokensuffer from a lack of storage units in Wood, Aluminium, So many UPVC and Velux space. windows, as precious items that well as repairing locks, handles, need to be kept – but hinges and mechanisms. Call where to store it all? Paul on 0800 328 8213 forwhere a free,Home That’s friendly, no obligation quote to Ladders Counties Loft start enjoying your best value come in. and service. The company, based locally, offers homeowners the opportunity to maximise their storage space with a loft ladder, 50sqft of boarding and a light - all fully fitted in less than a day from just £355! But it’s not just the affordability of the package that makes Home Counties Loft Ladders stand out, as manager Jamie Oakley explains:
‘Our watchwords are Quality, Integrity and Value. Quality in the materials that we use for all our installations and the fact that all our loft packages are fitted by time served tradesmen, so our customers are assured of the best job.
Integrity in that we will turn up at the time we say and make sure the house is spotless when we leave, and value in that we offer our services at a price people can afford.
customers - that simply installation we carry wouldn’t happen if we out!’ didn’t adhere to our So, if you want to make overriding principles. use of your loft space, At the end of the day call Jamie free on 0808 the old adage that 301 9557 and he’ll be happy customers happy to pop round and lead to more happy give you a no obligation customers is true and quote so you too can we work hard to make that happen for every make use of your loft!
Our business relies on referrals and we get a huge amount of our calls from people who have been referred to us by our existing
R CLOUDY Need more NDOWS, EARED.storage space?
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nly the clouded up panes es. We also fix faulty locks, es, seals & gaskets and fit boxes, dog & cat STARTER flaps.
PACKAGE: Aluminium loft Call Free: ladder, light plus 50 sqft boarding, fully fitted in less than a day from £355 0 328 8213
9windows.co.uk • Loft Ladders • Hatches
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Double Glazing Repair & Replacement
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Page11.indd 11 Page9.indd 9
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7/27/2020 10:34:57 AM 4/8/2019 11:40:34 AM
12 Independent Day School for girls 4-16 years Day Nursery & Pre-School for girls & boys from 6 months
Nursery
Prep
Senior
At Abbot’s Hill, our pupils celebrate individuality, flourish academically and create lasting friendships. ‘Outstanding’ Nursery for girls and boys ‘Excellent’ ISI rating across the girls’ school Bunkers Lane, Hemel Hempstead, Hertfordshire HP3 8RP 01442 240333 | registrar@abbotshill.herts.sch.uk | www.abbotshill.herts.sch.uk To advertise call 07941 661004
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13
Will Kimberley Garden Services
Hedge cutting High Hedges our speciality Tree work, pruning, removal Grass cutting (one-off and regular) Fencing new and repairs Garden shed construction and re-felting
Chimneys Swept
Chimneys Caps and Swept Cowls
Caps and Cowls Wood and Multifuel Stove Installation & Liners Stove Wood and Multifuel
General Garden Tidy Up’s Garden clearance and maintenance
Installation & Liners
Turf and gravel laying Contact Will for a free no obligation written estimate
01582 932343 07989 418510 info@poppinschimney.co.uk
Untitled-3 1
01582 932343 07989 418510 info@poppinschimney.co.uk
01442 255784 or
email: wkgardenservices@btconnect.com
11/27/2019 3:56:47 PM
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03/02/2014 10:57:51
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7/27/2020 10:36:46 AM
14
Men in Sheds talk shoulder-to-shoulder and plenty of cakes to help the men persevere in the hot sunshine, together with a contribution towards keeping the organisation going. A job well done, I’d say! A E Copeland
ai159541452311_Neville Funerals Advert Colour July 2020.pdf 1 22/07/2020 11:42:03
After spending my last twenty-seven years of a long We believe good value and excellent teaching career at Studham Village School I felt it service go hand in hand. would be nice to leave a gift for the children that would be stimulating, fun and well used. While on NEVILLE. Because there is a difference. playground duty, the idea came to me of having the playground equipment re-painted. Not being terribly skilled with a paintbrush myself, I approached a good HEMEL HEMPSTEAD friend who is involved with an organisation carrying 75 Marlowes HP1 1LF out worthy projects in the community. I knew very t: 01442 252395 little about Men In Sheds but since Monday I’ve e: hemel@nevillefuneralservice.com learnt a lot more. Men In Sheds are a non-profit local organisation LUTON providing friendship, social interaction and the Neville House, Marsh Road, Leagrave LU3 2RZ opportunity to learn new skills, while supporting the t: 01582 490005 health and well-being of older men. e: luton@nevillefuneralservice.com Starting in Australia in the 1990s, the Sheds www.nevillefuneralservice.com Association set out to raise awareness of the social benefits of sheds in reducing isolation and loneliness. As Martin Young, the Dunstable Chairman, told me, “Women talk face-to-face, men talk shoulder-toshoulder.” The Association is ideal for older men Senior Citizen 10% who may well miss the ✓ Qualified Mobile hairdresser camaraderie that they felt off all prices when going to work. ✓ Dedicated to provide excellence in my service Men In Sheds are Dry cut £11.50 involved in a wide range Fully qualified Level 1, 2 & 3 Wash & cut £13.00 of community projects in Blow dry £12.00 Hairdresser Cut & blow dry £19.00 schools and community 12 years’ experience in a salon Restyle & finish £22.00 groups, from boot trays to Shampoo & set £11.50 Monday – Friday bug hotels and train seats Cut & set £19.00 for children’s playgrounds; Harpenden, Redbourn, Perm from £37.00 all with a smile on their Colour tint £28.00 Caddington, Slip End & Colour regrowth £24.00 faces and plenty of banter. surrounding areas. Hi-Lights F/H from £36.00 I’ve had a lovely few Hi-Lights H/H from £26.00 days finding out about Telephone Charlotte Semi colour £24.00 this community group as Cap Hi-light £26.00 07513 101247 I watched my painting Under 14 yr’s Dry cut £9.00 Please leave a message if not available and I will return the call when free. Under 5 yr’s Dry cut £7.00 project come together. Of course, I supplied tea C
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Image Mobile Hairdressing
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15
MOT CENTRE
NO APPOINTMENT NEEDED, WHILE - U - WAIT SERVICE
No
JUST MOT’s
Spares, Repairs or Sales Pressure - Just a fair test!
Easy to find 1 High Street Redbourn Herts AL3 7LE Easy to park!
We are The Centre You Can Trust! Open Mon - Fri 8am - 6pm. Sat 8am - 1pm. Sun & Bank Holidays Closed.
MOT CENTRE
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Anderton Electricsyou wired up.
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Free quotations, no obligations Emergency Work – day or night Domestic or Commercial A name you can trust
g
in Keep
Contact James direct on: Mobile: 07771 698 151 Office: 01582 343 123 Email: james@andertonelectrics.co.uk See our feedback on Check a trade www.checkatrade.com/andertonelectrics
www.andertonelectrics.co.uk To advertise call 07941 661004
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7/27/2020 10:38:40 AM
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27
To adver�se call 07941 661004
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18
OPEN TO ADMISSIONS
CADDINGTON GROVE A luxury care home with a heart
Caddington Grove offers residential, dementia and nursing care, as well as short breaks, all within a luxury environment. Find out more about the exceptional safety and infection control measures we have in place which go above and beyond industry standards.
Our care teams are committed to being leaders in the fight against COVID-19, and they’ve put their name to it
Our Enhanced Infection Control Pledge means that you can be confident that Caddington Grove is a safe and protected environment that provides outstanding care for all our residents
Our carefully controlled visits mean that residents and families can continue to enjoy time together, in a safe and protected environment
The Wellbeing & Lifestyle Coaches within our homes support our residents to be physically active, mentally stimulated, and socially connected
Our award-winning Homemakers ensure our residents stay connected with family and friends through regular video calls, wherever they are
Contact us to find out more, or to book in a guided virtual tour Tel: 01582 320750 | enquiries@hamberleycarehomes.co.uk Caddington Grove, 175 London Road, Dunstable, Bedfordshire LU6 3DX Spacious en-suite bedrooms | An elegant cafĂŠ and bar | Wellbeing and beauty salon Deluxe cinema | Resident chef and complete nutritional support | Landscaped gardens www.hamberleycarehomes.co.uk To advertise call 07941 661004
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7/27/2020 10:40:30 AM
19
Leigh Hibon Washing Machines • Dishwashers
Daytime 07841 652496
Tumble Dryers • Electric Ovens Evening 01582 842764
leighhibon@yahoo.com Vacuum Cleaners
www.ldhdomestic.co.uk
* No Callout Charges * 90 Trowley Hill Road, Flamstead, AL3 8EA * All Makes Repaired * Washing Machines *• Honest Dishwashers & Reliable * * No Callout Charges Tumble Dryers*•Full Electric Ovens Electrical Safety Tests * * Honest * Evening & Weekend Appointments * & Reliable Vacuum Cleaners * All Work Guaranteed * * All Work Guaranteed
* All Makes Repaired Leigh Hibon * Full Electrical Safety Daytime Tests 07841 652496 01582 842764 * Evening & WeekendEvening Appointments
leighhibon@yahoo.com www.ldhdomesticappliancesrepairs.co.uk 90 Trowley Hill Road, Flamstead, AL3 8EA.
Leigh Hibon2.indd 1
Caddington 01582 206 004
1/23/2017 3:04:13 PM
Kensworth 01582 206 399
To advertise call 07941 661004
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Markyate 01582 206 004 Please mention
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3/2/2020 9:52:54 AM 7/27/2020 10:41:20 AM
20
Making or signing a Will during the Pandemic There has been a significant increase in the number of people seeking to make a Will or review their Wills during the current crisis as well as executing Powers of Attorney. We understand that this may be a cause of great anxiety especially as we have all received advice from the Government on social distancing and self-isolation which is particularly important for the elderly or ill. Whilst our London and St Albans offices are physically closed, we are all working from home and the Wills and Probate Department is fully up and running. We are able to arrange meetings via various video conferencing facilities including FaceTime, Skype, WhatsApp and Zoom. You can also speak to a member of the team on the telephone as our office numbers have all been diverted to our mobile telephone numbers. Where possible, most correspondence can be done by email. As far as the signing of a Will is concerned, the law states that there needs to be two independent witnesses present when the Testator signs the Will. They must then each sign the Will in the presence of the Testator and one another. This law has been in place since 1837 and is very precise. In the current climate this poses some difficulties following the Government’s advice to reduce social contact. Family members will not be independent and therefore should not act as witnesses.
witnessing can take place, for example, by video conferencing. For the time being it seems that two possibilities could include the signing and witnessing of a Will through a window or in an open space such as over a garden fence. Ancient case law (Casson v Dade 1781) suggest that it may be sufficient to have two witnesses who are in the line of sight if they are not in the same room. As soon as we have received further information on this from the Law Society in conjunction with the Ministry of Justice, we will provide an update. In the meantime, should you have any concerns or wish to discuss the preparation of a Will or review of your Will then please contact myself or a member of the Private Client team. Nicole. marmor@ sherrards.com www.sherrards.com
So, how can a Will be witnessed at present? We are waiting for further guidance from the Government and it may, be in due course, that the law is temporarily changed so that To advertise call 07941 661004
Sherrards Sept 2020.indd 20
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27/07/2020 11:38:30
MIMagazine Jan/Feb 20.qxp_Layout 1 06/12/2019 14:15 Page 24 ai15905750299_Neville Funerals Advert Colour May 2020.pdf 1 27/05/2020 11:23:50
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Leigh Hibon Daytime 07841 652496 Evening 01582 842764 leighhibon@yahoo.com Excellent Childcare, Outstanding Facilities & Affordable Prices! www.ldhdomestic.co.uk * No 90 Trowley Hill Road, Flamstead, AL3 8EA • Caterpillar room from birth – walking • 2 large fully equipped gardens
• Butterfly room from walking to 3 years • Vegetable patch 8BTIJOH .BDIJOFT t %JTIXBTIFST • Pre-school from 3-5 years * Noclassroom Callout Charges 5VNCMF %SZFST t &MFDUSJD 0WFOT• Outdoor • After school club including collection • Added security of gated drive & CCTV * Honest & Reliable Vacuum • Healthy home cookedCleaners meals • Open 7.30am – 6.00pm all year round
* All Work Guaranteed * All Makes Repaired * Full Electrical Safety Tests * Evening & Weekend Appointments
To Find out more or book a viewing contact Jessica on 01582 840586 Email: Jessica@appletreeschildcare.co.uk www.appletreeschildcare.co.uk
AppleTreesMarkyateMagazine Ad.indd 1
To adver�se call 07941 661004 To advertise call call 07941 661004 To adver�se 07941 661004 21 sherrards and appletrees.indd 21 Page30.indd 30
04/02/2015 14:08
Please men�on when responding to adverts Please mention when responding to adverts Please men�on when responding to adverts 27/07/2020 12:54:32 6/3/2020 5:22:23 PM
22
FAMILY FINANCES
22
TRADITIONAL SPENDING AND SAVING HABITS HAVE BEEN TURNED UPSIDE DOWN Household finances, including spending and saving patterns have deteriorated drastically since the coronavirus (COVID-19) lockdown, despite unprecedented Government support. Traditional habits have been turned upside down, and household budgets that guided our incomings and outgoings before the pandemic are no longer valid. Analysis of consumer sentiment alongside official household spending data[1] reveals the inability to save is the biggest current concern for UK adults (26%), as earnings have been disrupted for millions of workers. UK adults also cited economic and stock market volatility reducing the value of their pension or investments to be a key concern (23%), as well as an inability to pay household bills (19%).
financial future. For example, they typically spend a greater proportion of their budget on housing, and bills, which remains unchanged. This is likely to have been a major influence on demand for mortgage payment holidays.
TYPICAL UK HOUSEHOLDS However, at the same time, spending on non-essential items has fallen as a result of government instructions to stay at home. This means that typical UK households could be spending 29% less per week in total during lockdown compared with ‘normal’ times. But it is estimated that increased spending on items such tea, coffee, chocolate and energy consumption and pastimes like TV subscriptions (Netflix, Sky) adds around 6% to the average household’s weekly spending.
NAVIGATING UNFORESEEN CIRCUMSTANCES Many factors will determine how different parts of the UK are faring financially, including how much of the local economy is based on tourism, retail and leisure and how much it relies on public transport. Many households continue to navigate through unforeseen circumstances. Now is the time to keep saving and spending habits under careful and regular review. It is good practice to weigh up what we are spending each month, and how much more or less we are saving. If you feel as if you have more cash to spare at the end of the month during this time, it’s important to consider a good home for it. Maintaining or even increasing pension contributions could be an attractive longer-term option for savers who can afford to do so, so that money you would otherwise have paid in tax on your earnings goes straight into your pension pot via tax relief. Providing you can access other funds at short notice if you need them, then small extra savings today could make a big difference tomorrow.
REDUCED OR ZERO SPENDING This is likely to have been significantly offset by reduced or zero spending on leisure pursuits halted by the lockdown. These include holidays, house moves, eating out, clothing, hairdressers and trips to the cinema, theatre and museums, potentially reducing the typical household’s average weekly spending by 35%. Overall, this creates a net saving of 29%[2]. The data highlights that female savers look to have been disproportionately affected during the lockdown, as workers in sectors such as hospitality and retail are more likely to be younger females[3].
GREEN SHOOTS OF FINANCIAL CONFIDENCE A wide range of measures has been announced by the Government to help support people and businesses financially through the coronavirus pandemic. As a result, we’re starting to see green shoots of financial confidence from UK households. If you would like to review any area of your financial plans contact us to discuss this further. Capital Manor 01582 414514 17 Manor Road, Caddington LU1 4EE www.capitalmanor.co.uk info@capitalmanor.co.uk see reference information on page 30
UNCERTAIN FINANCIAL FUTURE Younger people across the board also face a significant challenge. Those under 34 typically struggle to save under normal circumstances, but the current conditions have exacerbated this, as this age group continues to come up against large costs although they face a more uncertain
The value of investments and income from them may go down. You may not get back the original amount invested. Investment should be regarded as long term and fit in with your overall attitude to investment risk and financial circumstances. This content is for your general information and use only and is not intended to address your particular requirements or constitute advice.
To advertise call 07941 661004
Capital Manor.indd 22
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27/07/2020 11:19:10
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MARKYATE SPICE We are fully open for dine-in, takeaway and collection We are complying with all government guidelines including 1 meter social distancing
Fine Indian Dining
Come and experience Fine Indian Dining at its best at this multi-award winning restaurant in the heart of Markyate. Order on line, free home delivery. 10% discount on collections.
Tel: 01582 841112 /290677 73 High Street, Markyate, AL3 8PJ www.markyatespice.co.uk
ToToadvertise advertisecall call07941 07941661004 661004
Wearing a face mask.indd 8
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15/07/2020 19:14:00
24
How COVID-19 has changed the motor industry
No-one expected the COVID-19 pandemic, so when it came, it adversely affected a number of industries severely and fast. The motor industry saw a disruption in the supply chain as parts manufacturing ceased and assembly plants closed. In the UK, large car showrooms closed, parts suppliers ran on limited staff, and some repair centres closed as it was not viable for them to remain open. But, where has that left the industry now? NEW CAR SALES New car sales in the UK was hit hard with a 97% downturn on last year’s figures. This may produce some good news for consumers, as manufacturers may offer good deals for new purchases as they try to get the market back on track. USED CAR SALES MotorFinance report that sales exceeded supply by a massive 71%. This equates to a shortage of 100,000 used cars against pre-lockdown levels. There has been a surge for used cars with those aged 6-12 years old up by 10% reinforcing the market’s move to older and cheaper cars. It is also in line with those wishing to move to the safety of cars rather than public transport. This pattern is predicted to continue for at least the rest of 2020. The cars that have seen the highest price increases are sports, luxury and SUV vehicles. One of our customers purchased a SUV when the market was less stable has seen a 25% increase in value in two months! REPAIR It is expected that the aftermarket industry across Europe will shrink around 20 percent. Across the UK, we are currently experiencing an economic downturn as businesses are refocussing and evaluating structures to enable their businesses to survive. We have seen the loss of some of the largest high
To advertise call 07941 661004
Redbourn Autos.indd 24
street stores and many jobs. The motor industry is no different with many dealerships closing, but it is expected that the garages specialising in performance parts and accessories will see the steepest fall of around 25 percent across Europe However, for those who have been able to adjust to the new norm and become COVID secure, there is predicted a brighter future. As mentioned above, the demand is significant and set to last for at least the next 6 months, so the pressure on repair centres will increase. MOT From 1st August, the 6-month MOT extension will cease. The extensions from March- July will create an unusual level of need from September-January, with many of these likely to need rectification work in already oversubscribed workshops. HOW GARAGES/WORKSHOPS HAVE CHANGED It has been great to see how people are adapting to the ‘new normal’: pubs repurposing to provide take-away drinks or turning into food stalls; factories ‘pivoting’ to make ventilators; church services taking place on-line and Zoom meetings and family get togethers becoming commonplace. For us, we have extended our collection and delivery service and take payment over the phone. Our hygiene procedures are so robust that we are delighted to say, we were the first repair garage in the area to be certified by the Independent Garage Association as COVID-19 Secure with a 100% score. Our stringent processes mean that we prevent any cross contamination between cars and return it to you sanitised. So, if you’re looking for someone with extensive ability, experience and knowledge, using the latest equipment to look after your car in a safe way, then please give us a call. Please support your local repair centre; without your support more will close.
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23/07/2020 11:07:36
33 25
SERVICE & REPAIR Routine Servicing All repairs undertaken Air-Con Servicing Diagnostics New Tyres, Brakes, Clutches SALES New cars and light
WE SERVICE CARS AND LIGHT COMMERCIAL VEHICLES
To advertise call 07941 661004
To adver�se call 07941 661004
Page25.indd 25 Redbourn Autos Jan Feb.indd 32
commercial vehicles from ANY manufacturer Used vehicles
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7/27/2020 10:42:57 AM 12/3/2019 3:58:13 PM
26
rpm
2-12 yard skips available Grab Hire
Muck, hardcore and mixed waste away Aggregate haulage
Call 01582 794481 or text 07968 785392 to arrange your skip today www.rpmskips.co.uk
RPM Skips Advert.indd 26
skips
ltd
We are a local family run waste management company based in Hemel Hempstead. We service all surrounding areas including Markyate, Redbourn, Harpenden and St Albans. We’re fully registered with the Environment Agency so you can be sure your rubbish is dealt with properly and safely.
27/07/2020 11:12:31
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• New Stocks • Repairs • Renovations • Servicing • Gunfitting • Gunroom Official dealer for Chapuis Armes and Caesar Guerini. New and second hand guns.
Tel: 01525 872 522 Bedfordshire J12 on M1 www.stephenandson-gunmakers.co.uk To advertise call 07941 661004
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7/27/2020 10:44:37 AM
4
Brain Teasers Can you find the Caddington streets to fill-in the gaps on the grid below? M
D
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R O P A T T
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Sudoku (Medium)
Fill in the grid in such a way that every row and column and every 3x3 box contains the numbers 1-9
6 5 2
9 1
7
3 8 4 9 2 8 7 4
8 2 6 7
9
4 3 1
To advertise call 07941 661004
Puzzle page.indd 4
Word Search
Can you find the Capital Cities in the Word Search? P L U S A K A T L K R O M E L
H N P B N L C O O M A O S L O
N I A E K I C K N A S B Z D M
O C R I A S R Y D C O F U C E
M O I R R B A O O A G B P L B
P S S U A O E W N U L L I U M
Please mention
E I D T O N B R J I A M E Y P
N A A O U A E I N G A N F R E
H A V A N A R B O G O T A F G
M P T J H N L S S S L I U P M
A A U A D A I D A K A R R O U
D L N W O W N I R A B A T S S
R O I M H A R A R E G D T U C
I Q S S A E V A D U Z C R V A
D R N A S S A U E S O F I A T
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23/07/2020 13:09:14
5 Can you find the Markyate streets to fill-in the gaps on the grid below? All answers on page 34 A T
S A T A D
D S O R
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Can you fill-in the gaps for these Redbourn businesses? 1. - - - b- - - - / - - - o 2. T - - / - u 3. - i - - / - - - t 4. - - - - - - - - /M - - /C - - - - 5. E - - - - - - - /A - - - - 6. - n - - - - - - - /- - a /- - - - 7. - l - - - - - -/-/H - - - / B - - 8. - s - - - - 9. F - - - /- /- - - - - - 10.R - - - - - - -/- - - - - l/P - - - - - - Or these Public Houses in the area? 1. - - -/- e - 2. - - - /R - - /- - - 3. - - -/- - - n To advertise call 07941 661004
Puzzle page.indd 5
4. T- -/- r - - - - - - - 5. - - -/- - - - - /B - - 6. - - -/- r - -/- - -/R - - - - - 7. - - - /- - - - -/- -/F - - - - - - 8. - - -/- - -/- h - - - - - 9. - - -/- a - - - - -/- - y 10. - - -/- - x Can you name the following local social media sites? 1. - p - - - - -/- - - - - - - - 2. - - - - - - - -/- a - - - - 3. - e - - - - - - - - 4. - - - - - - - - - -/- - - - - - 5. - - - - - - - /- - - - - - - r 6. - - - - - - - - -/- - -/- - l - - - - /n - - - - - Please mention
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23/07/2020 13:09:15
30
Groups & Societies
Parish Council Websites https://whipsnade.bedsparishes.gov.uk/ http://flamstead.org https://www.studhamparish.co.uk/ www.markyateparishcouncil.gov.uk http://redbournparishcouncil.gov.uk/ www.caddington.com https://slipendparishcouncil.co.uk https://kensworth.bedsparishes.gov.uk/ www.harpendenruralpc.org.uk/
Markyate
Care Group Help Line – 07972 152279 Care Bus – Sue and Malcolm Davies – 01582 840554 Markyate Parish Council – Jenny Bissmire 840110 Herts County Councillor – Terry Douris 01442 402273
Slip End
Photography Group meet every 3rd Tuesday at Slip End Social Club New Street 7pm. 01582 452851 Tennis Club - We are a small, friendly club open to all ages and we are now open again. Call to check the arrangements due to Covid-19. Membership enquiries: Steve Lyons (01582 414162) Coaching enquiries: Sally Parry (01582 413501)
Caddington
Caddington and Slip End Runners – Front Street, Slip End 8pm Call 07587 189260 CaddingtonCare Good Neighbour Scheme, has been running throughout the pandemic crisis, helping the people of Caddington, wherever there is a need and whatever their age. Prescriptions have been delivered, shopping has been done, telephone befrienders have been put into action, and many small acts of kindness have been carried out. CaddingtonCare continues to run its core service MondayFriday between 9am and 4.30pm. Please call 07548 264672. Please note, all regular social activities have been suspended until further notice.
Kensworth
Village Hall – Lynne Lewis 873981 Neighbourhood Watch – Caroline Streek 872410 Cricket Club – Duncan Wingfield 872743; Parish Council – Pat Mitchell 871178 Community Scheme – 07919 081473 Local History – Julia Holder 873465
Studham
Friends of Studham Common See website www.foscomm.org Studham Village Hall - Main hall and a meeting room available for hire. Modern kitchen. Contact: Des Salmon, 01582 872082 desstudham@btconnect.com Tennis Club – Open to members and non-members. All welcome. Contact Andrew Jones Andrew.jones@ expressvending.co.uk 07833 111682 See www.studhamtennisclub.co.uk Neighbourhood Watch – Richard Hodge 01582 873630
Whipsnade Parish Council
Ken France 01582 872375; Village Hall – Jenny Saunders 07775 582107 To advertise call 07941 661004
Clubs and Societies.indd 30
Redbourn
Tennis at Redbourn Club - Club members play right through the autumn and winter seasons throughout the year. For more details please visit www. redbourntennis.org.uk or look on the Facebook page. 4 hard courts, coaching. Three mix-in adult sessions per week. League matches. www. redbourntennis.org.uk Want to cycle? - Join the Hub. Email hubmeister@ hubcoffeebikes.com with the words “Ride Reminder” in the subject field and we’ll do the rest. Run Redbourn - They have 7 organised running sessions per week for runners of all standards. Contact Rachel Mackie on runredbourn@gmail.com Redbourn in Bloom Membership of Redbourn in Bloom costs just £5 per household per year. This income helps towards our planting projects to enhance the village. Pauline Williamson 01582 792931 or Mike Thain, (volunteer co-ordinator) on 01582 793376 Redbourn Village Museum, The Common, Redbourn (next to The Cricketers) is open weekends 2 – 5 pm, admission free. Local history collection on the site of a former Silk Mill and Tea Factory, with children’s activities and village walking trail. Call 01582 793397 to check if open following pandemic. Village Hall - For hire rates office@redbournvillagehall.org.uk Redbourn Care Group RCG is a friendly charity which seeks to alleviate loneliness and support independent living by mobilising volunteers to help villagers in need through social and amenity transport and the sponsoring of local good causes which enhance the lives of residents. Call 01582 794550 info@ redbourncaregroup.co.uk. www.redbourncaregroup.co.uk Redbourn Bowls Club, based at the Centre, always welcomes new members. If you would like more details, please contact our Chairperson, Margaret Davis, on 01582 799075, email: margaretfdavis@virginmedia.com or Jez Cronshaw, Coach, at 07525 867450. Clerk to Redbourn Parish Council Redbourn Parish Centre, The Park, Redbourn, Hertfordshire, AL3 7LR Clerk@redbournparishcouncil.gov.uk www.redbournparishcouncil.gov.uk Tel: 01582 794832 Citizens Advice at the Parish Centre on alternate Monday. For dates of surgeries see website castad.org.uk or all 01727 811118. County Councillor – Annie Brewster annie.brewster@hertfordshire.gov.uk Source Data for Capital Manor article on page 22
Source data:[1] Research of 2,020 UK adults conducted on behalf of Aviva by Censuswide, 7th–11th May 2020. All figures featured in this release refers to this dataset, unless otherwise stated [2] The 35% saving, coupled with the 6% of additional expenditure, creates a potential 29% overall saving in households’ typical expenditure each week [3] www.ifs.org.uk/publications/14791 Please mention
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27/07/2020 11:31:09
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MiMagazine Services Directory... post lock-down prices from £32 Redbourn Auto Solutions 01582 679300 www.redbournautosolutions.com Redbourn MOT Centre 01582 794000 info@redbournmot.com www.redbournmot.com
BAKERS Prudens Bakery Ltd 01582 840340 sales@prudensbakery.com
Prudens Bakery Ltd
Prudens have been supplying buffets for parties, private functions, business or corporate functions for many years. We offer local delivery in refrigerated vans. Please see our website below for details 75 The High Street, Markyate. Tel:01582 840340
sales@prudensbakery.com www.prudensbakery.com
BUILDERS/ROOFING Claridge & Hall Bros Ltd 01582 840201 enquiries@claridgeandhall.com Goodson Builders Ltd 07850 746171 goodson.builders@lineone.net G&J Groundworks Landscape & Plant Hire 01582 447 284 info@gj-groundworks.co.uk GJ Smith Roofing 01582 671185 www.gjsmithroofing.com J M Bygate Designs Ltd 07841 389342 james@jmbygatedesigns.co.uk Covering all aspects of Roofing ✓ Fascia, Soffits & Guttering ✓ Tiling / Slating / Flat Roofing ✓ Rubber Roofing ✓ VELUX windows ✓ Trust a Trader & Competent Roofer Registered
01582 671185
www.gjsmithroofing.com
CAR CENTRES/DEALERSHIPS/REPAIRS/LEASING PH Services Caddington paulinebean@hotmail.co.uk 01582 722251 07769734417
P H Ser vices Car servicing & repairs Collection & delivery service available Tel: 01582 722251 Mobile: 07769734417 Unit 1 Manor Road Garage, Manor Road, Caddington, LU1 4ED
Supporting Village Life and
backing Local Business To advertise call 07941 661004
Minientries Jul Aug 2020.indd 31
CARE HOMES Hamberley Care Homes 01582 320750 enquiries@hamberleycarehomes.co.uk www.hamberleycarehomes.co.uk CHILDCARE/NURSERIES Appletrees Child Care 01582 840586 jessica@appletreeschildcare.co.uk www.appletreeschildcare.co.uk CHIMNEY SWEEPS Hijet Chimney Sweep 01582 416201 07703 764085 Poppins Chimney Sweep 01582 932343 info@poppinschimney.co.uk
Hijet Chimney Sweep Established 1982
Family run business providing a professional & friendly service for all types of chimneys. Covering all areas in Herts,Beds & Bucks
Steve - 01582 416201 mob - 07703 764085
DRAIN CLEANING SERVICES Ecorod Plumbing, blocked drains, water softner, purification. 01582 794762 07733 308 999 DOMESTIC APPLIANCE REPAIRS/BOILERS LDH Domestic Repairs 07841 652496 leighhibon@yahoo.com WB Gas Ltd 01582 932324 07970 333999 info@yournewbolier.com ELECTRICIANS Anderton Electrics 07771 698 151 01582 343123 james@andertonelectrics.co.uk Baxter Electrical Services 07737 582735 chris@baxterelectricalservices.co.uk Ian Mose Electric 07840 258480 iain.mose@hotmail.co.uk EVENTS/ CENTRES Putteridge Bury conference.centre@beds.ac.uk 01582 872001 Please mention
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7/27/2020 12:38:01 PM
63 6432
MiMagazine Services Directory... post lock-down prices from £32 NICEIC Registered
Free Quotes For a friendly and reliable electrical service contact Chris Baxter - Phone: 07737 582735
Email: baxterelectricalservices@gmail.com
I. A. M. Electical Local Domestic Electrican
FREE ESTIMATES Tel: 07840 258480 email: iain.mose@hotmail.co.uk FITNESS/GYMS GYMTRO Markyate 07572352388 info@gymtro.com FUNERAL DIRECTORS Butterfly Funeral Services 01582 968130 Neville Funeral Services 01582 490005 01442 252395 www.nevillefuneralservice.com GARDENING SERVICES Andy’s Landscape Gardening 07484 143719 Richards Gardening Services 07817 510806 rjsandsjs@gmail.com M.J. Waldron & Sons 01442 248837 www.mjwaldron.co.uk
M.J.Waldron & Sons
Big Enough To Cope
Small Enough To Care Building and Landscaping Contractors Driveways / Patios / Fencing / Brickwork Decking / Treework / Turfing / Grab Hire Free Estimates and Portfolio Available 01442 248837 07956 506610 www.mjwaldron.co.uk
GUTTERS/MAINTENANCE Guttermedics 01582 872880 07815 115971
GUTTERMEDICS
* Guttering cleared / repaired / replaced * UPVC facias & soffits fitted * Existing cleaned plus conservatories * Exterior painting * Roofing - New to repairs & felt Over 40 years experience Tel: 01582 872880 - 07815 115971
HOUSEHOLD/PROFESSIONAL CLEANERS Dusting Daisy Domestic Cleaning 07855 0016872
DUSTING DAISY DOMESTIC CLEANING
We are an award winning cleaning company now in your area
SUMMER DEALS
Great packages for new customers (Code 01) Pensioner deals (Code 02) * Cleaning to suit * Spring cleaning and iroing *We can arrange carpet and oven cleaning * Friendly, reliable and uniformed staff * Highly respected * Been in the cleaning business for sixteen years * Gardening (Weeekends only) We have pride in our work so you can have pride your home Tel: Brenda on: 07855 016872 References available
HAIR/BEAUTY/SKIN TREATMENTS HYPNOTHERAPY Hypnotherapist Kim Bader For all your domestic gardening jobs, such as; Dusting Daisy.indd 1 07547 833822 kebader@icloud.com • Garden make-overs, care and maintenance Kerry Kaye Beauty Therapist 07593795641 • New fencing or repairs to existing fences kerrykbeauty@icloud.com • Shrub, hedge and small tree pruning • Storm damage clean-ups Image Mobile Hairdressing 07513 101247
Andy’s Landscape Gardening
• Pond make-overs • External lighting and much more...
For advice and a free quotation
call 07484 143719 RichGarden ard’s GaServices rdening Service’s Will Kimberley 20 Years’ Experience 01442 255784 wkgardenservices@btconnect.com Friendly, Reliable, Affordable Prices Grass Cutting
Winter leaf clearing
GUNMAKERS Edging Hedge/Bush Trimming Patio Power washing Stephen Shrub & PruSon ningGunmakers Ltd Fence Painting Flow er Bed Weeding 01525 872522 Weekly. Fortnightly. Regular Garden Maintenance www.stephenandsongunmakers.co.uk Free Estimate: 07817510806
To advertise call 07941 661004
Minientries Jul Aug 2020.indd 32
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HYPNOTHERAPIST For further information kebader@icloud.com Telephone: 07547 833822 LOCKSMITHS Locksmith Services Larry Neale 01582 206004/205399/206008 SJ Locks Steve Jacob 01582 318307 07580 716415 www.sjlocks.co.uk Please mention
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7/27/2020 12:38:01 PM
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MiMagazine Services Directory... post lock-down prices from £32 Beauty and Brows by Kerry
Pepperstock based beauty Therapist offering a wide range of treatments including HD brows, gel nail and manicures, pedicures, lash lifts and more. For more information or to book call Kerry on 07593 795641
PET/HORSE SUPPLIES TC Feeds & Tack Haven admin@tcfeedsandtack.co.uk 01582 872333 www.cfeedsandtack.co.uk PHYSIOTHERAPY Just so Physio 07853 352407 nicola@justsophysio.com
*Ease your pain! * Stay active and independent! ACUPUNCTURE & * Improve your mobility and strength! SPORTS INJURY CLINIC * Prevent the need for surgery! To book an appointment please call 07853 352407 For more information please visit our website www.justsophysio.com email nicola@justsophysio.com
7/27/2020 12:24:04 PM PHYSIOTHERAPY,
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PLUMBING/HEATING Be Heated Heating, Plumbing, Gas 07393 867481 info@beheated.co.uk Able Plumbers 07708 540712 07973 769444 Drips’n’Things 01582 862554 www.dripsnthings.co.uk WB GAS LTD info@yournewboiler.com
LOFT LADDERS Home Counties Loft Ladders 0808 3019557 www.homecountiesloftladders.co.uk
ABLE PLUMBER SERVICES Your local plumbers
PAINTERS/DECORATORS Spencer the Decorator 07740 673811 spenny_t@yahoo.co.uk
Spencer the Decorator
I take the pain out of painting! FREE QUOTES
For all your needs from:Dripping taps to new suites, blocked wastes and drains, guttering replaced or repaired
For a FREE quote Call Paul 01582 873797 07708 540712 or Andy 07973 769444
Over 15yrs experience
Interior/exterior, painting, papering, also some woodwork
Quality work
Guaranteed
07740 673811
spenny_t@yahoo.co.uk
Reliable & Very tidy Able plumbing.indd 1
5/31/2017 10:50:38 AM
PEST CONTROL A1 Pestmasters 01582 840004 07958 646467 PROFESSIONAL SERVICES Capital Manor Financial Advisors Ltd 01582 414514 info@capitalmanor.co.uk Stoten Gillam Chartered Accountants 01582 608601 www.stotengillam.co.uk PROPERTY SERVICES The 50 Plus hannah.munn@the50plus.co.uk 01582 226029 Redbourn- Markyate-Flamstead-Caddington-Kensworth-Studham
To advertise call 07941 661004 Untitled-1 1
Minientries Jul Aug 2020.indd 33
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corner eyelets and349480 plastic carry sleeve. Sonriki Troph Suitcaase Travel 01582 penny@suitcasetravel.co.uk sonriki.trophi Total: £37.50 each WATCH REPA TREE(Minimum SURGEONS order quantity of 2, Bond Street S Tree Services Andyand Hooper 07740 944410 01582 72527 PlasticAJH sleeve to hold protect 2 x site boards 34 ajhtrees@gmail.com would be £8.00) MiMagazine Services Directory... Craig postBrooks lock-down prices from Tel: £32 Trees Services and Landscapes Home repairs from The
07961 239115 TREEElms SURGEONS High Tree Surgery 01582 840144 07939 623675 AJH Tree Services Andy Hooper info@highelmstreesurgery.co.uk 07740 944410 ajhtrees@gmail.com
50 plus
841mm
Plumbing, electrical, handyman and more from tap washers to consumer units (fuse boxes) and external works 01582 226 029
A.J.H Tree Services Specialist in all aspects of tree work
www.the50plus.co.uk
WINDOWS/C Cladwinds Ltd Sonriki Trophies.indd 1 ppascan@bti Tree Felling Stump Grinding Hedge Cutting www.cladwin Crown Reduction Site Clearance Unicorn Wind Sales@unicor
FREE QUOTATIONS
594mm
RESTAURANTS/TAKEAWAYS Fusion Foods Indian Take Away 01582 842753 www.fusionfoodsmarkyate.co.uk Markyate Spice 01582 841112/290677 www.markyatespice.co.uk The Bell 01582 872460 info@thebellinstudham.co.uk The Pavillion Markyate 01582 841436/841843
Mobile 07740 944410 Office 01582 841058
WINDOWS/CONSERVATORIES CB Tree Services & Landscapes Cladwind LtdChipper Conservatories and Specialists in All Windows aspects Graphic x 2of tree work 01525 405330 ppascan@btinternet.com FREE quotations & advice Craig 3288213 Brooks 07961 239115 / 01582 871124 to produce and install. Cloud 9 Windows 0800 cbtreeservices@gmail.com www.cloud9windows.co.uk
SCHOOLS Abbot’s Hill School - Independent Day School 01442 240333 registrar@abbotshillherts.sch.uk
Total: £48.00
Tree felling, crown07973 reductions, Kingsholme Windows 01582 873897 hedge cutting, garden clearance, grass cuttings, 133329 www.kingsholme.co.uk turfing, garden maintenance, stump grinding
SPIRITUAL GIFTS/STONES/REIKI/MEDITATION Persephone 01582 969099/841919 info@deusmyticus.co.uk Puzzle answers from pages 28/29 Redbourn Businesses 1. Redbourn Autos 2. The Hub 3. Bike Loft 4. Redbourn MOT Centre 5. Everyone Active 6. Enchanted Tea Rooms 7. Claridge & Hall Bros 8. Ashtons 9. Fine & Country 10. Redbourn Dental Practice Public Houses 1. The Bell 2. The Red Lion 3. The Swan 4. The Cricketers 5. The Holly Bush 6. The Frog and Rhubarb 7. The Plume of Feathers 8. The Old Chequers 9. The Farmers Boy 10. The Fox
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Please men�
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Make the right choices for your future with expert pension advice from your local financial advisor... We offer invaluable guidance and insight into the changes to the pension rules and how this can affect you. Other services include:
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The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage.
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