Retirement Today Spring 2021 by Amra Media Solutions

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R E T I R E M E N T

www.retirement-today.co.uk

The magazine for pre and post retirement

FINANCE•LIFESTYLE•TRAVEL•CULTURE•GARDENING•HEALTH•RECIPES

Spring 2021 Issue 106 £2.90

ng low livi a g n f bu The f uture o

It’s so easy to make the move

YOUR CHANCE TO WIN

At RoyaleLife we are open and want to make sure you can make the move to your new home safely, your way, so we’re offering two ways to view. You can still book a Covid-safe V.I.P development visit, where one of our sales advisors will show you around and answer any questions you may have, always maintaining social distancing. Alternatively, you could view from the comfort of your own sofa on a virtual tour. We offer fully furnished luxury bungalows, exclusively for the over 45s, on safe, secure and sociable developments where you’ll live alongside like-minded neighbours. Our bungalows are far enough away from each other to stay safe but close enough for a socially distanced chat. At RoyaleLife our customers are at the heart of what we do and our focus is on delivering the highest levels of service, from the first phone call to supplying the keys to your brand new luxury bungalow and beyond.

Home Part Exchange

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Bungalows start from £160,000 Call now to book your viewing, your way, on 01945 223 861 or visit royalelife.com/viewings

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†Terms & Conditions: RoyaleLife Home Part Exchange Scheme offers 100% market value based on two independent agent valuations. Offers subject to survey and clear legal title. All properties are considered on an individual basis for suitability. One prize of £100K. Entrants must be aged 45 or over and must have purchased a residential licenced home from RoyaleLife between 1 March 2021 and 30 November 2021. Complete entry form through the link provided by your sales advisor by 11:59PM, 30 November 2021. 1 entry per home purchase. Proof of purchase and ID required. Additional terms and conditions apply. See www.royalelife.com/win-100-000-tcs. E&OE. Details correct at time of print.

CONTENTS

4 Voluntary Work

Volunteering is not just about giving back; it can enhance your own life too. Here are some suggestions as to what you might do.

WELCOME TO RETIREMENT TODAY MAGAZINE

9 Update

The wealthy over 50s are ready to start spending again; Canine Cottages partners with Battersea; Embarrassing habits: over half of Brits wouldn’t want their partner to have legacy access to their social media accounts; My Grandfather’s Charity Cycling Challenge.

10 Instant Pot® Recipes

Vegetarian and vegan recipes for preparation in an Instant Pot® - For active people or those re Winfield ©Ryland a l C y with busy or demanding lives, b o Pete Phot rs & Sm it’s a miraculous timesaver. a

13 What’s On

Within The Reach of All:The Century Guild;Taking a Line for a Walk; Barbara Hepworth: Art and Life; A Passion for Landscape: Rediscovering John Crome.

National Trust

Top left ©National Trust Bottom left ©Cico Books

14 Roses – an enduring passion

Read how our love of roses dates back centuries and spans the globe.

16 Probate and Inheritance Tax

Paula Barlow, Probate Manager at Zedra, answers questions on Probate and Inheritance Tax

18 Summery recipes with Apples and Pears

South African fruit is welcoming the high-anticipated summer with three new recipes, featuring their delicious apples and pears.

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All rights reserved. No part of this publication may be reproduced without the prior permission of the publisher. The opinions expressed in this magazine are not necessarily those of the publisher. Although every care is taken to ensure the accuracy of the information and the advertisements contained within the magazine, the publishers cannot accept any liability. Retirement Today would be pleased to receive your articles and photographs for possible publication. Although all reasonable care will be taken the magazine can assume no responsibility and contributors are advised to retain a copy.

23 New Study finds link between regular meat consumption and a wide range of common diseases

The results of a large, populationlevel study conducted by a team at the University of Oxford, linking regular meat consumption with a range of diseases.

25 The importance of making a will Cico Books

• www.retirement-today.co.uk

Inspiring ideas to bring colour into your home.

Why it’s so important to make a will, and due to the pandemic, many people are now looking to make a virtual will.

• Email: info@amramedia.co.uk

20 A Pop of Colour

29 Charity News

Bransby Horses face their biggest challenge; a Trichy Patient; Making Surgery their Legacy.

If you would like to receive free digital copies of Retirement Today magazine, please email info@amramedia.co.uk with code ‘Free RT’

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Voluntary Work

olunteering is not just about giving back; it can enhance your own life too. A quarter of people say they volunteer so they can meet new people and make friends, almost the same proportion see it as a way of using their existing skills and one in six welcome it as a chance to learn new skills, according to a government survey. So if this appeals to you, why not give it some thought? Here are some suggestions as to what you might do.

TYPES OF WORK Clerical

Any active group is likely to need basic administrative help, from typing and stuffing envelopes to answering the telephone and organising committees. This may involve a day or so a week or occasional assistance at peak times. Many smaller charities in particular would also greatly welcome hearing from individuals with IT expertise to assist with setting up databases, a website, etc.

Fundraising

Voluntary Work

Every voluntary organisation needs money, and when donations are static or falling, more creativity and ingenuity are required to help bring in funds. Events are many and varied, but anyone with energy and experience of organising fundraising events would be welcomed with open arms as a volunteer.

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Committee work

This can cover anything from very occasional help to a virtually full-time commitment as branch treasurer or secretary. People with business skills or financial or legal backgrounds are likely to be especially valuable and those whose skills include minutetaking are always in demand.

• What sort of work is involved? • Who will be working with you? • What is expected? • When will you be needed? • Are expenses paid? What for? How much?

Direct Work

Driving, delivering ‘meals on wheels’, counselling, visiting the housebound, working in a charity shop, helping with a playgroup, respite care for carers; the list is endless and the value of the work incalculable. While certain qualifications and experience – financial, legal, nursing

If you have all this mapped out in the beginning there will be less chance of any misunderstandings. You will find that voluntary work is not only very rewarding in its own right, but also allows you to make a real contribution to the community. You will be required to have a full Disclosure and Barring Service (DBS) check (formerly called a Criminal Records Bureau or CRB check) with enhanced disclosure if you are considering working with vulnerable people (young or old). For further information about DBS checks and why they are required, see gov.uk/dbs-check-applicant-criminal-record. At the time of writing, we were just coming out of the first phase of the coronavirus pandemic, but no one could tell if, when and where there might be new outbreaks, so there were still many opportunities to volunteer to help the NHS, your local community and neighbours – see gov.uk/volunteering/coronavirusvolunteering. Keeping yourself and others safe is essential, so make sure to follow all the guidelines.

Choosing the right voluntary work

Once you’ve decided that you might take on some volunteering, the next question is what to do. You will need to find out where the opportunities are in your local area and what particular outlet would suit your talents. Friends and neighbours, especially if they volunteer themselves, may have some ideas. However, if you don’t know where to start, the following list has signposts to help you find some of the many thousands of possibilities:

• The Do-It Trust is a digital charity that operates on online hub bringing together volunteers and organisations that need them. See do-it-org. • The National Council for Voluntary Organisations (which has taken over the previous role of Volunteering England) is a member organisation for charities and similar organisations. Its website includes a directory for finding your local volunteering centre. See ncvo.org.uk. • REACH is the skilled volunteering charity, encouraging people to take on new challenges and make a difference to their community. See reachskills.org.uk • The Royal Voluntary Service (RVS) is an 80-year old organisation that mobilises volunteers to work particularly in hospitals and the community. See royalvoluntaryservice.org.uk • Volunteer centres. Most towns have a body of this kind that seeks to match up volunteers with local organisations seeking help. Ask your local council for contact details. • Volunteering Matters (formerly Community Service Volunteers) lets you search for local volunteering opportunities, with separate sections for the different British nations. See volunteeringmatters.org.uk • Volunteering Scotland is the national centre of volunteering in Scotland. See www.volunteerscotland.net.

• Volunteering Wales is the website of Third Sector Support Wales, bringing together volunteering support across the Welsh local councils and third-sector organisations. See volunteering.wales.net. • The Wales Council for Voluntary Action is an umbrella body for voluntary activity in Wales. See wcva.org.uk

Voluntary Work

and social work – have particular value in some circumstances, there is also a multitude of interesting and useful jobs for those without special training or with abilities like driving or computer skills. Similarly, the time commitment can vary to suit both helper and organisation. It is far better to give just one morning a month and be reliable than to promise more time than you can spare and end up cancelling or letting people down. Equally, as with a paid job, before you start you should be absolutely clear about all the terms and conditions:

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Voluntary Work

YOU'VE GOT THE SKILLS. WE'VE GOT THE OPPORTUNITIES. ALL WE NEED IS YOU TO VOLUNTEER. SSAFA, the Armed Forces charity is seeking volunteers for a variety of rewarding roles to help support the local Armed Forces community. SSAFA provides financial, practical, and emotional support for serving personnel, veterans, and military families across the UK and worldwide. All backgrounds and experiences are welcomed to volunteer, and a military background is not essential. SSAFA promotes inclusivity and diversity and would encourage anyone to consider volunteering for the opportunity to inspire and guide others with the wisdom and perspective you have in life. The volunteer roles are varied, flexible and very rewarding, giving back to those that have served. Previous experience is not necessary as training will be provided. Retired BT Manager, Eric Smith, is Chairman of Cardiff and the Vale of Glamorgan branch of SSAFA. Though he does not have direct experience of being in

the military, he was inspired to join because of his son who served in the Territorial Army. “I'm very proud of the work that SSAFA does. It's just the satisfaction of knowing you're doing something worthwhile instead of twiddling your thumbs or looking for your next holiday. You're doing something useful. Once you've given up work, it can be difficult to get a focus. But this is a wonderful focus, because you're doing good in the world, and that's quite something these days, knowing you've helped people. That's the real key, for me.

“Anyone thinking about volunteering for SSAFA, give it a try. There are different roles you can do which will suit you and your lifestyle, so I would always say go for it.” Everyone who offers their time to volunteer with SSAFA makes a huge difference. SSAFA needs your skills to continue making a lasting difference to the lives of serving personnel, veterans and their families. To find out more about a volunteering role that will value your talents visit: ssafa.org.uk/volunteer

SSAFA_Eric Smith

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VOLUNTEER WITH YOUR LOCAL SSAFA TEAM We need your skills at SSAFA, the Armed Forces charity to continue making a lasting difference to the lives of serving personnel, veterans and their families. Find out more about a volunteering role that will value your talents visit: ssafa.org.uk/volunteer Registered as a charity in England and Wales Number 210760 in Scotland Number SC038056 and in Republic of Ireland Number 20202001. Est. 1885. S604.1220

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Discover the freedom of renting… Exclusively for over 55’s our properties include independent living spaces alongside welcoming communal lounges with maintained gardens for socialising & relaxing. On-site managers and 24 hour emergency care line for additional peace of mind. All these services and more are included in the rent!

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UPDATE The wealthy over 50s are ready to start spending again

CANINE COTTAGES PARTNERS WITH BATTERSEA Helping the nation keep its pets healthy and happy

With all over 50s likely to have been vaccinated by the end of March, the route out of lockdown laid out and increasing optimism for a return to normality in 2021 Silversurfers members are busy planning for the end of lockdown. They have been saving their cash over the past year and are ready to start spending again. The ONS has said that the older generation will be least affected financially by the pandemic and more than 70% of their members told them that the pandemic has had either no impact or a positive impact on their finances so they have cash to spend and many will be spending it this year. Silversurfers reaches 25 million people a month via their website and social media with up to 9 million people engaging with their content. Their popular email newsletters go out to over a quarter of a million people.

Dog-friendly holiday specialist Canine Cottages has partnered with Battersea to become the official sponsor of its Pet Advice email service, ‘The Battersea Way’. Packed with expert advice and ideas to help pet owners keep their dogs and cats healthy and happy, ‘The Battersea Way’ is a free fortnightly email covering everything from behaviour and training tricks to grooming tips and recipes for making nutritious dog and cat treats. Pet owners signing up can choose to receive information about dogs, cats, or both, which will include pertinent topics such as how to manage separation anxiety in dogs – an issue that is likely to come further to the fore as Covid lockdown restrictions ease across the UK – and how to address dogs jumping up on furniture, a must for those planning to visit friends and family, or to book holiday accommodation, once travel restrictions are lifted. For further information on Battersea www.battersea.org.uk Or to book a dog friendly break www.caninecottages.co.uk

My Grandfather’s Charity Cycling Challenge Nathan Livingstone, is eighteen years old and his 91-year old Grandfather is cycling double the entire length of Great Britain for charity. He’s cycling from Land's End to John O'Groats and back again on his exercise bike, whilst raising money for Roundabout Dramatherapy, the UK’s leading dramatherapy charity. Recently, he has just reached a grand total of 2500km and he is carrying on cycling around 5-6km every single day.

Today the over 50s spend more on clothes, cars, restaurants, holidays, cosmetics, leisure and household items than younger people and yet many feel ignored by advertisers.

Nathan says ‘ I am so incredibly proud of his efforts and quite frankly cannot believe that this 91-year old Iranian widower has found the motivation to take on this incredible challenge, keeping fit and raising money for charity at the same time’.

www.silversurfers.com

Nathan continues, ‘Roundabout released a

video about his fundraising efforts to their YouTube channel (https://www.youtube.com/ watch?v=xwxpB6QrtgA) and I saw his eyes light up as he watched it back’. I am so proud of him. I’m about to head back to University so I won’t be able to see him in person as he continues to power through this challenge, but I really want to make sure he knows that his efforts aren’t going unnoticed. I want to show him that he should be proud of what he is doing. If you could just give the video a watch that would mean a lot to me and him. Thank you so much for your time and I hope that you, like me, find some inspiration from my Grandfather’s ‘Charity Cycling Challenge’.

Over half (57%) of Brits say they wouldn’t want their partner or family to have legacy access to their social media accounts if they died suddenly, according to new research by online personal storage platform myFRP. The research, which looked into people’s attitudes and habits around personal data storage, found that the most common reason for not wanting loved ones to have legacy access to accounts is privacy concerns (48%), followed by worries about embarrassing content (13%). Despite being the digital-first generation, Gen Z are the least comfortable sharing their social media accounts with loved ones if they died, with only 49% of 16 to 24-year-olds happy doing so compared to six in 10 (61%) of 34 to 44-year-olds, who see no issue with their friends or family having legacy access to their accounts. Those with young children living at home seem to have the least to hide when it comes to their social media, with two thirds (66%) happy to give their partner legacy access compared to just 48% of people without children. Single people are the most secretive about their social media accounts, with only 46% happy to give loved ones legacy access, compared to two-thirds of married Brits (64%), who are the most happy for their family or partner to have access to their social media. www.myfamilyrecoveryplan.com RETIREMENT

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Update

Embarrassing habits: over half of Brits wouldn’t want their partner to have legacy access to their social media accounts

Instant Pot Recipes ®

eading nutrition expert Jenny Tschiesche presents a collection of vegetarian and vegan recipes for preparation in an Instant Pot® - For active people or those with busy or demanding lives, it’s a miraculous timesaver. www.instantpot.co.uk

COCONUT FLOUR BANANA CAKE

Recipes from Modern Vegetarian Instant Pot® Cookbook by Jenny Tschiesche, published by Ryland Peters & Small (£16.99) Photography by Clare Winfield © Ryland Peters & Small

oconut flour is naturally gluten free, high in fibre and low in carbohydrates. In this moist banana cake, it provides a mild coconut flavour that contrasts nicely with the other ingredients. 3–4 VERY ripe bananas (about 300 g), plus extra sliced banana, to serve 1 tbsp smooth almond butter 4 eggs 2 tbsp honey or maple syrup, plus extra to serve 30 g oil 1 tsp vanilla extract 70 g coconut flour 1 tsp bicarbonate of soda

Serves 6–8 Mash the bananas in a large bowl then add all other wet ingredients i.e. almond butter, eggs, honey or maple syrup, oil and vanilla. In another bowl mix the dry ingredients i.e. the coconut flour, bicarbonate of soda and salt. Combine the mixtures in the largest bowl and stir. Pour the mixture into the baking pan. Pour 500 ml water into the Instant Pot. Add the trivet. Place the filled cake pan on top. Cook at PRESSURE for 30 minutes then NPR at the end of cooking. Leave to cool before slicing. Serve with a dollop of coconut cream, sliced banana and a drizzle of honey or maple syrup, if liked.

pinch of salt coconut cream, to serve (optional) 15-cm diameter springform baking pan

VEGAN MUSHROOM RISOTTO

lthough risotto is probably most associated with a rich and creamy texture brought about by the addition of butter and cheese, a deliciously rich and 'cheesy' risotto can also be created with sautéed mushrooms and the addition of nutritional yeast flakes, making this a dish suitable for vegans. 1 tbsp oil 1 onion, chopped

Instant Pot® Recipes

250 g mushrooms, sliced

1 tbsp chopped garlic 250 g Arborio rice 75 ml vegan white wine 550 ml water 1 tsp vegetable bouillon powder 3 tbsp nutritional yeast flakes 1 tbsp chopped flat-leaf parsley, plus extra to serve a salad, to serve (optional) RETIREMENT

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Serves 4 Set the Instant Pot to SAUTÉ and add the oil to the pot. Add the onion and sauté for 3 minutes before adding the mushrooms and garlic. Keep sautéing until the mushrooms release their liquid and then add the rice and stir. As soon as the rice is combined with the other ingredients add the wine and stir. The wine will evaporate and once it has pour in the water, vegetable bouillon and yeast flakes and stir once again. Set the pot to PRESSURE for 6 minutes. QPR at the end of cooking and stir in the chopped parsley. Serve garnished with extra chopped flat-leaf parsley over the top and with a salad on the side, if liked.

'BUTTERY' BROWN BASMATI

combination of comforting textures and aromatic spices. Aubergine provides a buttery and succulent texture to contrast with the sweet cooked tomatoes and satisfying potatoes.

Serves 4 as a side Put the rice and water in the Instant Pot. Set to PRESSURE for 15 minutes. NPR for 15 minutes then QPR. Finally, stir in the butter or vegan spread and serve immediately.

2 tbsp olive oil

Serves 4 Set the Instant Pot to SAUTÉ and add the oil. Add the onion and sauté for 3–5 minutes stirring from time to time. Add the aubergine, chilli, garlic and ginger, and stir again. Do so until the aubergine appears to have absorbed the oil. Add the cubed potato, cherry tomatoes, tomato purée and spices with the salt and stir again. You may need to add the water straightaway if the ingredients have started to stick. Stir in the water and set to PRESSURE for 4 minutes. NPR at the end of cooking for at least 15 minutes.

1 onion, chopped 1 aubergine, cut into 3-cm cubes ½–1 green chilli, chopped 1 tsp chopped garlic 1 tsp chopped fresh ginger 1 large potato, cut into cubes 10 cherry tomatoes, quartered 1 tbsp tomato purée 1 tsp mild curry powder ½ tsp each ground cumin, ground turmeric and garam masala 1 tsp salt 80 ml water

'BUTTERY' BROWN BASMATI

Serve with all or any of the suggested garnishes and/or accompaniments, as preferred.

'Buttery' Brown Basmati, lime pickle, sliced green chillies and coriander leaves, to serve (optional) 190 g brown basmati rice

AUBERGINE, TOMATO AND POTATO CURRY

his is a rich and creamy tasting rice pudding with a classic flavour combination of ginger and pistachio.

250 ml water 2 tbsp butter or vegan spread

GINGER & PISTACHIO CHIA RICE PUDDING

1 tbsp butter 200 g pudding (short-grain) rice 1 heaped tbsp chia seeds 1.4 litres any milk of your choice 85 g stem ginger, very finely chopped 2 tbsp maple syrup 100 g chopped unsalted pistachios, to serve

Instant Pot® Recipes

Serves 8 Set the Instant Pot to SAUTÉ and add the butter. Once melted add the rice and chia seeds, and stir to coat. Add the milk and still on SAUTÉ bring to the boil. Add the ginger and maple syrup, and stir again. Cover with the lid and set to PRESSURE for 12 minutes, then NPR at the end of cooking. Remove the lid and stir. Serve warm with the pistachios over the top.

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JJ C

JJ JJ C TM

J JC

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J J COOPER & SONS

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JJ Cooper.indd 1

23/03/2018 15:04

Discover Jersey’s Coastal Wildlife with Jersey Stamps & Collectables Strictly Limited Edition Souvenir coin Only 50 produced £125 +VAT

Species of endangered wildlife spotted around the coast of Jersey have been beautifully illustrated on this commemorative stamp set from Jersey Post. The stamps are available affixed to first day cover envelopes or contained within presentation packs, both featuring insightful information about these fascinating creatures. A stunning silver-plated souvenir coin celebrates Jersey’s most iconic bird, the Atlantic puffin. Contact us to receive a free Jersey Stamps brochure. Set up a subscription with us and we’ll post each new stamp issue direct to your door. Email: stamps@jerseypost.com or call us on +44 (0) 1534 616717 www.facebook.com/jerseystamps @JerseyStamps

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Out&About Barbara Hepworth: ART AND LIFE

The Hepworth, Wakefield 21 May – 31 October

To mark The Hepworth Wakefield’s 10th anniversary, the Yorkshirebased gallery is organising the most expansive exhibition of Barbara Hepworth’s work in the UK since the artist’s death in 1975. The exhibition will present an in-depth view of the artist’s life, interests, work and legacy, displaying some of Hepworth’s most celebrated sculptures including the modern abstract carving that launched her career in the 1920s and 1930s, her iconic strung sculptures of the 1940s and 1950s, and large-scale bronze and carved sculptures from later in her career. www.hepworthwakefield.org

Admission free

The first exhibition in 20 years to explore the pioneering aesthetics and lasting legacy of this influential association of artists, designers and craftspeople. The Century Guild was established by the architect and designer Arthur Heygate Mackmurdo (1851 – 1942), who later helped found the William Morris Gallery, and his assistant, Herbert Percy Horne (1864 – 1916), in close collaboration with designer Selwyn Image (1849 – 1930). They aspired to elevate crafts to the status of art, integrate both art and crafts in domestic interiors, and democratise good design. Within The Reach of All: The Century Guild explores the group's key figures, along with its influence on Art Nouveau, 20th-century design and modern publishing, through works from the William Morris Gallery, which holds the world's largest and most comprehensive collection of Century Guild works. Due to reduced capacity, the Gallery strongly advises booking free advance tickets online through the Art Tickets platform www.william-morris-gallery.arttickets.org.uk

Arthur Heygate Mackmurdo. Swirling Leaf Wallpaper design c.1880-1883 © William Morris Gallery, London Borough of Waltham Forest

JOHN VERNON LORD AND FRIENDS Ditchling Museum of Art & Craft, Hassocks, West Sussex 1 May – 31 October

A new exhibition opens to mark 50 years of revered illustrator John Vernon Lord’s life and work in Ditchling. Lord is one of Britain’s most recognised and respected illustrators and has illustrated many classics of English literature including the works of Lewis Carroll, Edward Lear, Aesop’s fables and James Joyce. Over 100 extraordinary pen and ink drawings alongside notebooks from across Lord’s career, from his student days in the late 1950s, to his move to Ditchling in the 1970s, through to new works made in response to the global pandemic. For opening hours and prices www.ditchlingmuseumartcraft.org.uk

A Passion for Landscape: REDISCOVERING JOHN CROME

Norwich Castle Museum & Art Gallery 17 May – 5 September

A collection of works, celebrating one of Britain’s great romantic artists. Featuring around 90 works, including paintings, watercolours and etchings, all of which demonstrate Crome’s proficiency and skill in varied media. John Crome (1768-1821) grew up in Norwich, the son of a journeyman weaver who received no formal artistic training, learning to paint and mix colours through an apprenticeship as a coach and sign painter. While Crome looked to Old Masters for inspiration, notably 17th century Dutch landscape painters such as Meindert Hobbema (1638-1709) and also the Welsh landscape artist Richard Wilson RA (1714–1782), his interpretation was modern, original and distinctly his own. A careful observer of the natural world, Crome rooted his work in his local surroundings. He provided a snapshot of the Norfolk landscape, often focusing, with rapid brushstrokes, on the quiet corners, capturing small streams, creaking gates and ancient, gnarled trees. Entry by advanced booking only. Tickets must be pre-booked online at least one day in advance. No tickets on the door. www.norfolk-museums.arttickets.org.uk/norwich-castle-museum-art-gallery RETIREMENT

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Out & About

18 May – 31 August

Taking a Line for a Walk

The River through the Trees, by John Crome, graphite and watercolour on paper, Private Collection

WITHIN THE REACH OF ALL: The Century Guild William Morris Gallery, London

Barbara Hepworth, Curved Forms (Pavan), 1956. Impregnated plaster, painted, on an aluminium armature 52 x 80 x 48.5 cm Presented by the artist’s daughters, Rachel Kidd and Sarah Bowness, through the Trustees of the Barbara Hepworth Estate and the Art Fund © Bowness. Photo: Jerry Hardman-Jones

Image ©NTI_Clive Nicholls

Mottisfont -

Roses 14

Roses AN ENDURING PASSION

ROSE TYPES

Our love of roses dates back centuries and spans the globe. Roses feature in the art and literature of Ancient Greece, Rome, Egypt, Persia and China, where they were celebrated for their beauty and symbolism as well as being used in perfume and medicine. The first roses popular in Europe were the damasks and the gallicas, introduced to Britain by returning Crusaders. Roses were so prized that they became the emblem of the Royal Houses of England in the Middle Ages, although the original ‘red’ rose of York – like all roses in Europe at this time – was pink, not red. During trading expeditions in the late 1700s, Europeans discovered roses in China that had been cultivated there for centuries. Some of these flowered more than once and had deep red or bright yellow blooms. The first imports were delicate and usually struggled in British winters but were soon crossed with hardier roses. The resulting repeatflowering hybrids fuelled a fashion for collecting roses that spread across Europe. During the Victorian era endless hybridisations took place, using varieties from China and the Middle East as well as new species found in the wild. Many rose gardens were created during this period, both in private gardens and public parks. In the 20th century a new breed of roses was developed. Valued for their sculpted, repeatflowering blooms, upright habit and wide range of colours, these modern ‘hybrid tea’ and ‘floribunda’ roses soon took centre stage and, by the 1970s, they graced almost all our gardens and parks. Fashions have changed again in recent decades. Old roses, such as those collected by Graham Stuart Thomas at Mottisfont in Hampshire, have become popular and rose breeders have developed a new generation of hybrids which combine the best qualities of modern roses with the scent and voluptuous blooms of their predecessors.

• Old roses were popular up to the end of the 19th century. They include gallicas, albas, moss and damask roses and centifolias (which have one main flush of flowers), as well as Portlands, Bourbons, hybrid perpetuals and hybrid musks (which repeatflower). Most have a relaxed habit and are referred to as shrub roses. • Modern roses became popular in the 20th century: hybrid teas have large, sculpted single flowers; polyanthas and floribundas have clusters of flowers. Modern roses have neat, upright habits and are often called bush roses. Modern breeding has also given us compact roses, including patio, miniature and ground- cover types. • Climbing and rambling roses are usually grouped together. Ramblers have lax stems and usually flower once in early summer, with small blooms carried in clusters. Climbers are less vigorous, have stiffer stems and tend to repeatflower with larger blooms. • Species roses are wild roses such as Rosa rugosa, R. moyesii and R. glauca and their cultivated forms. Many make wonderful, natural-

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looking garden plants, although they can be very vigorous and thorny. They have shrubby habits and are also referred to as shrub roses. • English roses are modern hybrids, developed by rose-breeder David Austin to combine the charm of old roses with the reliable, repeatflowering nature of modern ones. They are sometimes referred to as modern shrubs and can be treated much like old roses.

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John Wood, Head Gardener at Hinton Ampner, is a rose connoisseur and highly recommends the following varieties for growing at home. ‘Roseraie de l’Hay’ is a scented, double rugosa rose with large crimson flowers. It is disease resistant and, like all rugosas, it can be pruned hard to keep it neat, or allowed to form a big shrub with multiple, smaller heads. ‘Climbing Étoile de Hollande’ is a modern climbing rose which is very disease-resistant and has beautifully scented, deep crimson flowers.

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‘Sally Holmes’ is a tall, repeat-flowering shrub rose which has single, creamy-white flowers that are very popular with bees. ‘Summer Wine’ is a modern climber with glossy foliage and strongly scented, semi-double, coral-pink blooms. ‘Gypsy Boy’ is a Bourbon rose with purple-red blooms, which does very well at Hinton. Its long, vigorous but quite lax stems mean it can even be trained over a balustrade as a short climber. ‘William Lobb’ is a nice old moss rose, which can be grown as a tall shrub or trained up into an apple tree. It has heavily scented, double, deep wine-purple blooms. ‘Scharlachglut’ is a semiclimbing shrub rose that produces one flush of bright scarlet flowers and forms amazing, orange- red hips.

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is a very good rambler that will grow happily on a short pillar, has few thorns and never gets blackspot. Flowers start out apricot and fade to white.

Roses

JOHN’S RECOMMENDED ROSES

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Extract from The National School of Gardening by Rebecca Bevan, published by National Trust Books. RETIREMENT

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Probate and Inheritance Tax

Inheritance tax must be paid six months from the end of the month in which the death occurred. If not paid in this timescale, interest is payable to HMRC. You will receive a penalty in addition to the interest payable if the death is not reported to HMRC within 12 months of death. These timescales have led to many challenges during the COVID pandemic where financial organisations have been slow to provide the date of death valuations required to prepare the inheritance tax accounts.

Are there any reliefs of exemptions available to reduce Inheritance Tax?

By Paula Barlow, Probate Manager at ZEDRA

nheritance tax has attracted a lot of negative media attention, with many describing the tax as ‘complex and confusing’ and in need of a complete overhaul. With £5.38 billion in inheritance tax paid to the UK government in 2018/2019, it is important for Executors and Administrators to understand this tax regime and the implications when handling the estate of someone who has died.

What is Inheritance Tax?

Inheritance Tax is a tax paid mainly when someone dies. It is worked out on the net value of an estate i.e. the value of assets less debts outstanding at death such as a mortgage and credit card balances, less any exemptions or allowances.

What is the standard rate of Inheritance Tax on death?

The rate of tax is an eyewatering 40% for most estates where tax is due.

Probate and Inheritance Tax

Do I have to report the value of the estate to HMRC?

The current position is that all estates requiring a Grant of Representation/Probate (‘Grant’) need to be reported to HM Revenue & Customs (HMRC) whether tax is payable or not. On making an application for the Grant, an inheritance tax account needs to be prepared, either an IHT205 which is a reduced account or an IHT400 ƒa full account. As the Executor or Administrator of the estate, you must identify and submit the correct account depending on the circumstances of the estate and the reliefs/exemptions being claimed. Changes are coming following the Government’s announcement on 23rd March as part of Tax Day. From January 2022, the requirement to complete inheritance tax paperwork will be dropped for estates with a value significantly under the threshold after probate – a change expected to cover more than 90% of estates. The precise details are not yet set out but it is an RETIREMENT

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indication of the government’s aims of sharpening up the administration of tax collection rather than making radical changes to policy.

How soon after death is Inheritance Tax payable?

Inheritance tax must be paid before the Grant of Representation (Probate) is issued. This presents a number of challenges if you need the Grant to encash assets. Many financial organisations such as banks recognise this dilemma and will often release cash directly to HMRC to settle the tax before the issue of the Grant. Where there is no access to liquid assets at the date of death to fund the Inheritance Tax liability, options are limited. In these circumstances, you may need to look to the estate beneficiaries to introduce the funds or look for an inheritance tax loan which will inevitably include high interest rate charges.

There are a number of reliefs and exemptions available, so it is important that you identify and claim these within set timescales. These include: • the nil rate band • transferrable nil rate band • residence nil rate band • transferrable residence nil rate band • spouse/charitable relief • business/agricultural property relief • gifts out of excess income Failure to identify and claim reliefs within the defined timescales can prove very costly for the estate beneficiaries who will receive a reduced inheritance.

Is there a reduced tax rate for leaving money to charity?

In an attempt to make gifting money to charity attractive to UK taxpayers, in April 2012 the government introduced a reduced rate of tax (36%) for estates where 10% of the net value is left to charities. This provided a real incentive to taxpayers to benefit charities whilst reducing their liability and maximising the inheritance left to their loved ones.

How can I reduce Inheritance Tax?

There are a number of steps that you can take now to reduce the tax liability on your own estate. You can seek estate planning advice to understand how the inheritance tax regime applies to your personal circumstances and take action to maximise the inheritance you want to pass on to your loved ones. As inheritance tax rules change, it is important to review your circumstances and your Will regularly.

A gift to us in your

Will is a gift to everyone

you care about…

Heart and circulatory diseases kill 1 in 4 of us in the UK. That means a quarter of the people you care about could be lost to them. But you have the power to change that – by leaving a gift in your Will to the British Heart Foundation (BHF). You could help scientists to find new treatments and cures – so that our children, grandchildren – and their children too – won’t have to fear conditions like heart

disease, stroke and vascular dementia the way we do now. So when you take care of your loved ones in your Will, please consider remembering the BHF as well – and you could keep them safe from heart and circulatory diseases too.

A gift in your Will could beat heartbreak forever. We call it Will Power.

Find out more – search online for ‘BHF Future Gift’ © British Heart Foundation 2021 registered charity in England and Wales (225971 and Scotland (SC039426) 20LA20 RETIREMENT

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Summery recipes with Apples and Pears South African fruit is welcoming the highly-anticipated summer with three new recipes, featuring their delicious apples and pears.

Pink Lady Apple Pancakes with Butterscotch Sauce Lush is the word for these amazing South African Pink Lady Apple pancakes! Serves: 4 Preparation time: 15 minutes Cooking time: 15 minutes Ingredients:

Caramelised Pink Lady, Pecan and Smoked Salmon Salad Crisp and juicy South African apples add a refreshing flavour to this deliciously decadent salad Serves: 2 Preparation time: 10 minutes Cooking time: 5 minutes Ingredients: 2 generous handfuls mixed salad leaves 200g smoked salmon 2 fresh figs, sliced 20g butter 1 South African Pink Lady apple, cored and thinly sliced 30g pecan halves 1tsp caster sugar Pinch of sea salt flakes Chopped flat leaf parsley, to garnish Dressing: 1tbsp olive oil 1tsp lemon juice

Summery recipes with Apples and Pears

1tsp wholegrain mustard

Pinch pf salt, pepper and caster sugar Method 1 Share the salad leaves between 2 serving plates and arrange the smoked salmon and figs on top. 2 Heat the butter in a large frying pan and cook the apple slices for 2-3 minutes, turning often. Add the pecans and cook for another 30 seconds or so. Sprinkle in the sugar and salt and cook for about 30-40 seconds until lightly browned. Remove from the heat and cool. 3 Make the dressing by whisking together the olive oil, lemon juice, mustard and seasonings. 4 Share the apples and pecans between the salads, then serve, sprinkled with the dressing and some chopped fresh parsley. Cook’s tip: Use a different variety of South African apple if you like – such as a crisp Granny Smith. RETIREMENT

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Butterscotch sauce: 50g butter 50g soft brown sugar 2tbsp golden syrup 2tbsp single or double cream Pancakes: 120g plain flour Pinch of salt 1 large egg 300ml milk 2-3tsp vegetable oil 20g butter 2 South African Pink Lady apples, cored and thinly sliced 1tbsp caster sugar Method 1. For the butterscotch sauce, put the butter, brown sugar and syrup into a heavy-based saucepan and heat very gently until melted and smooth, though do not boil. Stir in the cream and set aside. 2. For the pancakes, beat together the flour, salt, egg and milk with a wire whisk or stick blender to make a smooth batter. 3. Heat a large non-stick frying pan and add a few drops of oil. Pour in a quarter of the batter, tilting the pan so that the batter flows over the surface. Cook over a medium heat for 1-2 minutes until set on the surface, then flip over to cook the other side. Make 4 pancakes in total, keeping them in a warm place. 4. Heat the butter in the frying pan and cook the apples for 3-5 minutes, turning often. Add the sugar and cook until lightly browned. Serve with the pancakes, drizzled with butterscotch sauce. Cook’s tip: Feeling hungry? Make two pancakes each by doubling the batter quantity to 240g plain flour, a large pinch of salt, 2 large eggs and 600ml milk.

South African Pear, Gorgonzola and Butternut Risotto South African pears add a delicious flavour to this vegetarian risotto. Serves: 4 Preparation time: 15 minutes Cooking time: 35 minutes Ingredients: 2tbsp olive oil 300g risotto rice 300g prepared butternut squash, chopped into small chunks (about 1cm) 100ml dry white wine 1 litre vegetable stock 1tbsp chopped fresh sage or thyme 1 South African pear, cored and thinly sliced Finely grated zest of 1 lemon 40g finely grated Parmesan cheese 250g Gorgonzola South African pear slices and a few sage or thyme leaves, for garnish Method 1. Heat the oil in a large saucepan or deep-sided frying pan. Add the rice and butternut squash and cook over a low heat for 2-3 minutes, stirring constantly. Take care that the rice doesn’t burn! 2. Pour in the wine and allow it to bubble up and evaporate. 3. Pour about one third of the stock into the pan and cook the risotto over a low heat, stirring often, until the liquid has almost been absorbed. Gradually add the remaining stock and continue to cook gently until it has all been absorbed, and the rice is swollen and tender. This will take about 25-30 minutes. 4. Add the sage or thyme, South African pear slices, lemon zest and Parmesan. Cook, stirring, for another 2-3 minutes. Serve each portion topped with a generous slice of Gorgonzola, garnished with pear slices and sage or thyme. Cook’s tip: Risotto has to be cooked slowly so that the rice gradually absorbs the liquid to become creamy and delicious – choose Italian arborio or carnaroli rice for the best result

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A Pop of

Colour

Who wouldn’t want to go glamping in this decommissioned vintage bus? The most wonderful space has been achieved using bright glossy yellow paint and toning vintage wallpaper. It’s unexpected and really romantic.

A Pop of Colour

colour pop using tones of the same palette will help you achieve a calm and relaxing modern look. Simply put, a tonal, or tone-on- tone, colour scheme means you pick one main colour, then layer in as many different tints and tones of that colour as you desire. In a way, it is less challenging than adding contrasting pops of colour and the advantage is that the overall look and feel of a tonal interior is calm and relaxing. Tonal schemes look sophisticated and fuss-free. If you stick with a monochrome look, you can layer up black or white with all the grey tones in between.The same principle applies to any colour that you choose. If you decide upon blue for your main or foundation colour, you can use varying tones of that colour, from navy to powder blue, RETIREMENT

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on the floor, ceiling, soft furnishings or accessories. Get hold of a paint colour chart and inspect it in pure daylight so that you can see all the different tints (the colour mixed with white) and shades (the colour mixed with black) of a particular hue. Having said that, in this chapter you will see examples of tonal decorating that don’t only involve paint colours. The different layers of colour in an interior may come from wood, art, soft furnishings and more. The important thing is that all these tones sit harmoniously together. So how do you begin? The first step

is to look for colour inspiration for your room. It may already be staring you in the face.Your main colour can be a strong one, as it plays a central role – I’ve based an entire scheme around just one boldly coloured throw. Do you love a particular rug, painting, bedspread or even decorative item? That could end up being your starting point for a whole room. Be open-minded and you can have great fun collecting bits and pieces or even painting or spray-painting objects to work within your scheme. Adding a pop of tonal colour doesn’t have to be about a very polished or expensive interior – my ethos is all about achieving great results without serious financial outlay or having a team of experts on hand to advise. Instead, it requires that you understand the principle of tonal decorating, then implement it in a way that suits your particular home and budget. So, for example, if you already have an old blue sofa, you might think about painting the wall behind a darker shade of blue, adding a throw or a couple of cushions/throw pillows that are slightly paler and arranging a couple of similar-coloured vases or books or any other objects on a shelf nearby. In this way, you are slowly but surely building up a tonal scheme. And it’s this layering of similar shades that brings vibrancy and interest to any interior, especially if you’re mixing different textures such as plush velvet and chalky paint. Tonal schemes work in any room, as long as you pick a main colour that suits the mood you wish to create. For a bedroom, you might opt for a duvet cover in a rich berry shade with an undersheet and pillowcases in softer shades of rose pink and a deep burgundy rug on the floor. Another way of selecting a slightly wider yet nevertheless harmonious palette is to choose colours that sit near each other on the colour wheel – pale green, blue and grey, for example, or warm pink, red and orange. You’ll still achieve a tonal effect, but it will have slightly more vibrancy.

The original 19th-century ceramic stove in this Scandinavian apartment provided inspiration for a tonal scheme based around warm putty shades.

Warm yellow works brilliantly with unpainted wood and washed linen textiles in tonal shades. Tonal shades from cream to peach to buttercup come together to create a sunny, glowing kitchen. You can see how a tonal palette is good for unifying very different features like the elaborate architectural mouldings and a modern wall cabinet.

A Pop of Colour

I love the vintage vibe here. Fresh pastel greens create a gentle retro feel that is enhanced by the bunting, the painted rustic chair and the fabric panels in the door. This scheme would be great for a cottage or small house with original features. unifying very different features like the elaborate architectural mouldings and a modern wall cabinet.

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ISLE OF WIGHT DONKEY SANCTUARY

Isle of Wight Donkey Santuary

ike most charities, the Isle of Wight Donkey Sanctuary was planning to reopen to the public in April 2021. Lockdown has been tough for animal charities, and they have been hit by a triple whammy! Firstly animals still need looking after and feeding even in a pandemic, so their costs have remained high. (Furlough has been a wonderful, national scheme but you can’t furlough people who are looking after the welfare of animals). Secondly, there have been no visitors, so they have been living on their reserves - something which can only go on for so long. Finally, more animals are looking for homes in a pandemic as people struggle to afford the bills for their furry friends. All of these things have applied to the Isle of Wight Donkey Sanctuary. They have taken in over 20 donkeys in the last 4 months alone, all of whom were deserving cases who needed care, welfare and shelter. Those donkeys have been looked after by staff who have had to work in separate social bubbles to keep themselves safe and

prevent an outbreak of Covid happening on the site - it would have been devastating for them if any of their staff had been told to isolate during this period. And through it all they have had to raise money through adoptions, donations, sales from their online shop, and sometimes through direct appeals when donkeys have needed extra care. Their French donkey Junon needed a specialist hoof operation and Murphy, an old long term resident of the sanctuary, needed a stomach operation on the mainland-both of which were funded by kind donations from supporters. Everybody who has been hit by Covid deserves support. In the case of animals however they have only ourselves to represent them in these difficult times. If you would like to help them continue to help donkeys in need, please visit the Isle of Wight Donkey Sanctuary website www.isleofwightdonkeysanctuary.org

DENTAL CARE

an important part of any cats health

Catstrophes cat rescue

eeping healthy and happy is important to all of us especially in these difficult and unprecedented times. The same applies to our cherished pets. At Catastrophes Cat Rescue sanctuary they aim to provide a safe haven for unwanted and stray cats as well as those needing to be rehomed due to a change in an owners circumstances. The first port of call for a cat arriving at their sanctuary is a thorough veterinary check. Their tick list include: Spaying and neutering, microchipping, treating any wounds injuries or ailments, the diagnosing and treatment of any infections and vaccinations. Last but certainly not least are dental checks which are of prime importance. Looking back, it used to be virtually unheard of for pets to have dentals! Now, with the advancement of veterinary knowledge we can do so much more to help our pets to have a good quality of life. With mouth and teeth checks you really do need the expert eye of your vet. A good time to have a health and dental check is when you see your vet for annual vaccinations. However, a vet check is always advisable at any time if you have any concerns about your pet. Dental specialist Gerhard Putter emphasises that good dental care is paramount to your pets health and happiness – a sore mouth and bad teeth can affect the health of your animal in many ways. Having a dental can be life changing for a cat. As we all know, a toothache will send us running to a dentist in spite of it being our least favourite thing to do! Sizzler was showing signs of mouth pain sometimes crying out sharply when he ate and backing away from his food bowl as if it was attacking him. Following his dental Sizzler is now Sizzler again,

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enjoying his food, playing ball and chasing his tail! Of course, all of this care costs money but for an animal’s health and wellbeing it is an investment for the future. Without the wonderful support of people who care they could not continue to provide their vital lifeline to cats in need. Catastrophes Cat Rescue is currently raising funds to build a veterinary treatment and recovery facility, this would enable their vets to visit the sanctuary to carry out dental and health checks and to monitor the progress of cats in their care to help them lead a happy life.

Help them to be their Someone. For further information contact Liz Varney, CEO Catastrophes Cat Rescue Tel : 07912 113392 Email : lizzie@catastrophescats.org

egular meat consumption is associated with a range of diseases that researchers had not previously considered, according to a large, population-level study conducted by a team at the University of Oxford. The results associate regular meat intake with a higher risk of various diseases, including heart disease, pneumonia and diabetes, but a lower risk of iron-deficiency anaemia. The study is published today in BMC Medicine. Consistent evidence has shown that excess consumption of red meat and processed meat (such as bacon and sausages) may be associated with an increased likelihood of developing colorectal cancer. But up to now, it was not clear whether high meat consumption in general might raise or lower the risk of other, non-cancerous diseases. This has been investigated in a new large-cohort study which used data from almost 475,000 UK adults, who were monitored for 25 major causes of non-cancerous hospital admissions. At the start of the study, participants completed a questionnaire which assessed their dietary habits (including meat intake), after which they were followed-up for an average period of eight years. Overall, participants who consumed unprocessed red meat and processed meat regularly (three or more times per week) were more likely than low meat-eaters to smoke, drink alcohol, have overweight or obesity, and eat less fruit and vegetables, fibre, and fish.

However, after taking these factors into account, the results indicated that: * Higher consumption of unprocessed red meat and processed meat combined was associated with higher risks of ischaemic heart disease, pneumonia, diverticular disease, colon polyps, and diabetes. For instance, every 70 g higher red meat and processed meat intake per day was associated with a 15% higher risk of ischaemic heart disease and a 30% higher risk of diabetes. * Higher consumption of poultry meat was associated with higher risks of gastro-oesophageal reflux

disease, gastritis and duodenitis, diverticular disease, gallbladder disease, and diabetes. Every 30g higher poultry meat intake per day was associated with a 17% higher risk of gastro-oesophageal reflux disease and a 14% greater risk of diabetes. * Most of these positive associations were reduced if body mass index (BMI, a measure of body weight) was taken into account.This suggests that regular meat eaters having a higher average body weight could be partly causing these associations. * The team also found that higher intakes of unprocessed red meat and poultry meat were associated with a lower risk of iron deficiency anaemia.The risk was 20% lower with every 50g higher per day intake of unprocessed red meat and 17% lower with every 30g higher per day intake of poultry meat. A higher intake of processed meat was not associated with the risk of iron deficiency anaemia. The research team suggest that unprocessed red meat and processed meat may increase the risk of ischaemic heart disease because they are major dietary sources of saturated fatty acids. These can increase low-

density lipoprotein (LDL) cholesterol, an established risk factor for ischaemic heart disease. Lead author Dr Keren, from the Nuffield Department of Population Health at the University of Oxford, said: ‘We have long known that unprocessed red meat and processed meat consumption is likely to be carcinogenic and this research is the first to assess the risk of 25 noncancerous health conditions in relation to meat intake in one study. Additional research is needed to evaluate whether the differences in risk we observed in relation to meat intake reflect causal relationships, and if so the extent to which these diseases could be prevented by decreasing meat consumption. The result that meat consumption is associated with a lower risk of iron-deficiency anaemia, however, indicates that people who do not eat meat need to be careful that they obtain enough iron, through dietary sources or supplements.’ The World Cancer Research Fund recommends that people should limit red meat consumption to no more than three portions per week (around 350–500g cooked weight in total), and processed meat should be eaten rarely, if at all. This study was based on 474,985 middle-aged adults recruited into the UK Biobank study between 2006 and 2010 and followed-up until 2017. These participants were invited to complete a dietary questionnaire with 29 questions on diet, which assessed the consumption frequency of a range of foods. Participants were then categorised into subgroups based on their meat intake: 0-1 times/week; 2 times/week; 3-4 times/week and 5 or more times a week.The information on each participant’s meat intake was linked with hospital admission and mortality data from the NHS Central Registers. RETIREMENT

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New study finds links between regular meat consumption and a wide range of common diseases

The Importance of making a Will

N The Importance of making a Will

o one likes to think about death, and many people delay writing a will until a more suitable time. However, failing to write a will can leave you intestate and can also cause a mass of problems for your family. Making a will is so important as it is the only sure

The Wills Act 1837 has governed the legal requirements for making a valid Will for over 180 years. That is until we reached the year 2020. 2020 saw the world hit by a global pandemic forcing the Will making process to take a leap into the 21st century. In September 2020, the government introduced retrospective legislation permitting the use of video link technology for witnessing Wills from January 31 2020, until January 2022 (although that date is subject to change). The requirement to have two witnesses (who are not beneficiaries) to the Will remained in order to protect against undue influence and fraud, however, it allowed the Will making process to be completed without the need for face to face contact.The Ministry of Justice did however advise that this process should only be used as a last resort and that physical witnessing of Wills should continue where possible. One of the most concerning aspects about a virtual Will making process is undoubtedly the potential for undue influence, i.e. the testator being coerced/pressured into making a Will by another party. A solicitor must ensure that the testator’s testamentary wishes are of their own free will and take certain steps to try and minimise the risk of a Will challenge, irrespective of the manner in which the Will is executed.These include: 1) Seeing the testator alone and asking their reasons for making the Will and any departures from a previous Will (particularly where there is a drastic change in wishes); RETIREMENT

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way that will allow you to decide how you wish your possessions (estate) to be distributed and passed on to whom when you pass. Due to the pandemic, many people are now looking to make a virtual will.Tasmin Woolridge from Limes Solicitors writes about the steps to take when making a virtual will.

2) Considering whether the testator is particularly frail or ill and in turn more vulnerable to undue influence. If they have any concerns, then it is good practice for the solicitor to obtain a medical report although this is not a requirement; 3) Asking the testator who arranged the meeting and whose device will be being used; and 4) Asking that any other parties on the video call identify themselves and their reason for being present. The government guidance also indicates that the whole Will making process should be recorded and that the witnesses must see the Will being signed in real time. It is inevitable that it will be harder for a solicitor to assess whether someone is being unduly influenced without the ability to see them face to face. For example, the solicitor will not be able to see whether there is someone off camera trying to pressure the testator into making the Will. A solicitor should therefore keep comprehensive attendance notes. If you have executed your Will over video link and are concerned that your solicitor may not have taken adequate steps to prevent your Will being challenged then contact your solicitor immediately and explain why you are unhappy. If your solicitor does not resolve matters then you should follow the firm’s complaints procedure. Typically, this involves the

firm’s complaints partner reviewing the complaint themselves and the logical thing for them to offer in the circumstances would be to arrange for your Will to be re-executed. Alternatively, you could bring a professional negligence claim if you can show that either the solicitor’s actions fell below the standard of a reasonably competent solicitor or that they acted in a way that no reasonably competent solicitor in their area of practice would have done. However, you are under an obligation to mitigate your loss. Therefore, this type of claim will likely fail if made during your lifetime as you could simply re-execute the Will and no loss would have been incurred. This may prompt you to think that you should take no action but leave it to your executors to sue your solicitor after you die. However, not only would this result in additional stress and expense for your executors but it may also mean that they have to deal with a Will dispute. It is therefore far better that you address your concerns during your lifetime to alleviate any unnecessary stress for your loved ones. Ultimately, the safest action for you to take is to execute your Will in the traditional manner under the Wills Act 1837, however, if you cannot then you may execute your Will via video link but ensure that your solicitor takes adequate safeguards. Tamsin Wooldridge is a Solicitor in the Inheritance Disputes team at Lime Solicitors

FREE GIF TS IN WILL GUIDE S

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Make a difference in your will

Over the years, gifts in wills have helped charities in many areas, such as helping vulnerable people, protecting domestic

animals and wildlife, funding of medical research and much more. It is very often an important income stream for many charities, especially now

Help give animals a second chance

The Importance of making a Will

Battersea is here for every dog and cat, and has been since 1860. Over more than 160 years, we’ve gone from one home in London to three rescuing and rehoming centres across the country and have cared for over three million animals. We believe that every dog and cat deserves the best. That’s why we help every dog or cat in need, caring for them until we find them the homes where they truly belong. One in three of these animals is cared for thanks to gifts in Wills from kind animal-lovers, so every single gift, no matter the size, makes a real difference. Gifts in Wills can help animals like tiny kitten Cricket, who came to Battersea in a terrible state. He had been abandoned in a cat carrier with a note saying, ‘Help me, please.’ The little kitten was extremely malnourished, and his two front legs were badly bowed. Our veterinary team worked tirelessly to give him the best possible chance of survival. Thanks to this expert care, Cricket grew stronger every day. He gained weight, his fur grew back, and he learnt to trust people again. Before too long, he found a loving family of his own, and is fully enjoying life in his new home. Gifts in Wills give hope to countless dogs and cats like Cricket, ensuring they get the second chance of happiness they deserve – now and for many years to come. To request a free Gifts in Wills information pack, please contact the Special Gifts team on specialgifts@battersea.org.uk or 020 7627 9300, or visit battersea.org.uk/wills

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more than ever. Here are examples from two charities of how leaving a legacy when making a will can make a difference

United, we can stop animal testing in UK labs

Britain is one of the world’s most prolific animal testers with more than 3.4 million animal experiments carried out in labs up and down the land every year. Yet this outdated method is failing both humans and animals because over 90% of new drugs tested on animals fail to benefit human health. “We often read media stories about medical breakthroughs in treatments and cures for killer diseases, from Alzheimer’s to cancers to diabetes,” says Animal Free Research UK’s CEO, Carla Owen. “But rarely do we read follow-up reports detailing how most of these headline drugs fail to reach the market because successful tests on animals fail to translate into tangible benefit to humans,” she adds. This unethical and ineffective research method is, albeit slowly, being replaced by pioneering lab technology which reduces the drug development failure rate. Methods such as cell culture and 3D organ on a chip which simulates the activities, mechanics and physiological response of entire human organs systems – compile more accurate data faster and cheaper than using animals. “That’s why Animal Free Research UK is on a mission to cure human diseases without animal suffering – but we need your help to accelerate the replacement of animals in labs,” adds the charity’s Owen. Celebrating its 50th Anniversary in May, Animal Free Research UK has over the decades given £10m in grants to over 260 medical research projects at leading universities and hospitals across the UK, advancing technological development of human relevant research for diseases including cancer, Alzheimer’s, diabetes and more recently Covid-19. By funding technological breakthroughs, financing the training of a new generation of researchers and building government backing, the charity believes with more public support medicines can be developed without using any animals by 2040. Added Owen: “As much as we want animal experiments to end today, we’re realistic and understand change takes time. With the public’s backing, we are calling on the government to make the increased investment required to accelerate human relevant life sciences and cure diseases. “This will save the lives of humans and animals as well as boosting the UK economy.” Visit animalfreeresearchuk.org to find out how you can help and to learn more about our free will writing service.

Legacy quarter page ad.pdf

20/04/2012

15:22

Last year we helped over 80,000 wild birds and animals like Rudolph

CMY

Please help me get better Not only do we treat more hedgehogs than any other wildlife hospital, but our caring teams save lives every day. Our aim is simple, to treat injured British wildlife, then return them to the wild. Like Rudolph, who arrived badly injured at just five days old. Our specialist care saved this little deer and he is now facing a brighter future. But it is only with your support we can help casualties like Rudolph; please remember Tiggywinkles in your Will.

Our late friend Dame Thora Hird actively encouraged others to help us secure funding for our lifesaving work. In her words "All the little wild creatures and I thank you so very much". For more information please contact: Jenny Babb, Tiggywinkles, Aylesbury, Buckinghamshire HP17 8AF

01844 292 292 mail@sttiggywinkles.org.uk www.tiggywinkles.com Registered Charity No. 286447

Come and have a look around our Visitor Centre. Opening times can be found on our website www.tiggywinkles.com.

is the busiest wildlife hospital in the world.

In August 2020, Margaret provided 84 hours of medical care to a dying horse, saving its life. Margaret in the 1950s

Create Your Legacy Margaret passed away in March, 2020 and kindly remembered Bransby Horses in her Will. Gifts in Wills help us to rescue and care for hundreds of equines every single year.

Would you like to bring a smile to a friend's face during lockdown? We will send a complimentary issue of Retirement Today to brighten their day. Just email address quoting FREE. email info@amramedia.co.uk

Please note we do not retain addresses.

01427 788 464 BransbyHorses.co.uk/legacy Charity No: 1075601. Company Limited by Guarantee Registered in England and Wales No: 3711676 Mrs Penney’s family generously gave permission for this image use and message; continuing Margaret’s incredible legacy. 84 hours based on 6 staff working at our Intensive Care Unit.

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PAIN RELIEF FOUNDATION RELIEVING CHRONIC PAIN THROUGH RESEARCH

CHRONIC PAIN - THE SILENT EPIDEMIC › 1 in 10 people in the UK suffer from chronic pain – which does not go away. › Over half of sufferers endure chronic pain all day, every day of their lives. › Many sufferers say they can’t remember what it is like not to be in pain. › Thousands of sufferers lose their jobs because the pain is so bad that they cannot work. › Pain stops sufferers enjoying walking, shopping, sleeping; even playing with their children Chronic Pain affects people of all walks of life, 43% of the population suffer from chronic pain. Research costs money, and there is always an urgent need to provide more funds for more research. The Pain Relief Foundation DOES NOT receive funding from the NHS or any other Government body. Instead, our vital work depends entirely on donations and the generosity of people like you. PLEASE MAKE A DONATION TODAY, Or leave a Legacy in your will. For help and advice, contact us. Pain Relief Foundation, Clinical Sciences Centre, University Hospital Aintree, Liverpool L9 7AL Telephone: 0151 529 5820 E-mail: lorraine.roberts@painrelieffoundation.org.uk 28

Pain Relief Foundation.indd 1 RETIREMENT today

www.painrelieﬀoundation.org.uk Registered Charity No. 1156227

08/02/2019 11:24

Charity N E W S

A Trichy Patient This handsome barn owl, one of the latest patients at Tiggywinkles, was rushed over to the hospital after he was found grounded. It was obvious straight away to the nurse on duty at the world’s busiest wildlife hospital that the owl, named Benji, was very thin and weak. On closer examination, the nurse discovered an infection of his tongue. Poor Benji was unfortunately suffering from trichomoniasis. This highly infectious disease, commonly known as ‘trich’, affects the upper digestive tracts of birds and causes a build-up in the throat, making it difficult for the bird to eat, which would explain why Benji was emaciated and struggling. It is more common in garden birds, so the team were surprised to admit a barn owl with the disease.

Bransby Horses face their biggest challenge Founded in 1968, Bransby Horses is one of the UK's largest equine welfare and rescue charities, dedicated to improving the lives of horses, ponies, donkeys and mules through rescue, rehabilitation, rehoming, education and providing specialist sanctuary care. They have nearly 1,000 equines in their care across two sites in Lincolnshire and foster homes around the country, many of whom come from situations of neglect and mistreatment. The charity have been facing the most challenging time since serious flooding of their land due to heavy rainfall in 2019. During the flooding, an additional £200,000 was needed to urgently move some of the equines from the Bransby site to Barlings, and set up temporary facilities there. At the end of 2020, the charity estimated that so far, the COVID-19 pandemic will have cost them around £100,000 in lost fundraising income since the first lockdown in March 2020.

Once Benji had received initial treatment, the experienced vet team drew up a treatment plan to bring the trich under control. Poor Benji understandably didn’t feel like eating much in his first few days at the hospital but with medication and a dedicated nursing team looking after him, the trich cleared up and he is now steadily putting weight back on! It won’t be long until he is back in the wild. If you have bird feeders or baths in your garden, it is important to regularly clean and disinfect them, as trich is spread through food or drink contaminated by a bird with the infection. Use a good disinfectant or dilute bleach and make sure you rinse them thoroughly and allow them to air dry! www.tiggywinkles.com

Bransby Horses rely solely on support from the general public to continue their mission to improve the lives of horses, ponies, donkeys and mules, and sadly, there are always more equines that require their help. Thanks to continued public support and people remembering them in their Will, Bransby Horses are able to continue with their welfare work and take on more equines in need during what is proving to be the most challenging time in their history. Without the legacy income they receive from generous supporters, Bransby Horses simply wouldn't be able to operate with the same scope or at the same scale as they do. With the impact of COVID-19, the charity are preparing for another tough year for equine rescue and welfare. When you leave a legacy for Bransby Horses, you are making a world of difference to this caring, hard-working charity and all the horses, ponies, donkeys and mules they look after. If you would like to remember Bransby Horses in your Will, please contact their Legacy Team on 01427 788464 or email legacy@bransbyhorses.co.uk for a free Leaving a Legacy guide.

Making Surgery their Legacy

Choosing to leave the Royal College of Surgeons of England (RCSEng) a legacy in your will can have a direct impact on the future of surgery and on the patients who receive it. Legacies have enabled them to purchase essential equipment and support a wide range of projects in surgical education and research. A one-year research fellowship, costs in the region of £65,000 and a recent bequest funded a urology surgeon whose is looking at determining the genetic drivers of bladder cancer. Bladder cancer affects approximately 10,000 people each year in the UK and is more common in older adults and men. This research aims to help sufferers of bladder cancer by looking into the genes, which play an important role in driving the cancers and their responses to treatments. In the short term, the project hopes to discover new ways to diagnose bladder cancer and predict patients’ responses to treatments and in the longer term, will aim to identify treatments that are more effective. Since the surgical fellowship scheme was founded in 1993, the number of high calibre applications has doubled and they are unable to support 80% of applicants. They are always in need of more funding to enable projects that address the health challenges of modern society, supporting the development of pioneering ideas across the NHS. With each small success, the Royal College of Surgeons of England takes another step towards the next big breakthrough. www.rcsend.ac.uk RETIREMENT

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Charity News

Bransbyhorses.co.uk

HM Stevens - The Author

he name born when school friends learning of his ambition to follow a a title like that it was a job hard to refuse. maritime career coupled his cheerful demeanour with the acronym HMS, HM ventured into journalism writing shipboard newspapers aboard luxury nicknamed him Happy Mug Stevens, hence the pen name. cruise liners featuring the daily antics and shenanigans of shipboard life for the His first steps as an author came when he won a high school writing competition amusement of the passengers. with a story titled ‘The Railway Station’. During his seventeenth year, the school In his spare time and when not rattling the keyboard HM fly's a beautiful Robin annual summer holidays saw HM experiencing a taste of life at sea when he Regent light aircraft. sailed aboard a Hull based distant water trawler going to the northern fishing In his recently released fictional novel ‘Murky Waters’ HM was able to create grounds within the Arctic Circle. Here he endured by drawing on a lot of his personal experiences sea sickness, freezing temperatures and storms at home and abroad but he insists that it is by no with the deck awash. Experiences which today means an autobiography. This will come later and are euphemistically known as Work Experience. entitled ‘Choppy Waters’... The life and times from He spent the remainder of the summer holidays Bilge Rat to General Manager of The World!’ a working as a domestic bread delivery driver. somewhat satirical look at life afloat. What a summer that was for HM; going from the One recent review of ‘Murky Waters’ stated the freezing temperatures to the soft embrace of following:frustrated housewives, several who looked for imaginative ways of negotiating payment for their Adventure, romance, sex, murder, violence, and bread deliveries! more sex, from the cold north of Lincolnshire to the jungles of West Africa, the author takes us on Naval service saw him mixed up in the Congo many exciting journeys in this page turner of a civil war, then being rammed by an Icelandic Gun book. Using information that can only be obtained Boat during the ill fated ‘Cod Wars’. Some years by insiders knowledge, the author takes us through later he was dodging incoming ordnance whilst the skills and excitement of flying; the ins and outs in Cyprus amid the war there between the Turks of operating ships and a shipping company (and and Greeks. Then with the task force during the the associated fiddles and frauds); and the detailed Falklands War. After which family committments description of an SAS operation against modern-day demanded he embark on a more homely, quiet pirates – all handled with panache, humour and an lifestyle so HM made the change from roaming the eye for detail. An excellent read, buy it and enjoy. seven seas by swapping his navy blue uniform for the dark blue of a police officer where he enjoyed Currently working on his next novel, ‘Bloody Waters’ living the life of a real ‘Heartbeat’ copper in rural in keeping the theme of waters HM has plans for East Yorkshire. Project2:Layout 1 17/4/13 12:51 Page 1 several other nautical Project2:Layout 1 17/4/13 12:51 Page 1 based adventure An abrupt change in personal circumstances took mystery yarns. HM back to sea in the position as the seagoing General Manager of ship called ‘The World’. With Available through Amazon in Kindle or paperback.

CATASTROPHES CAT atastrophes Cat Rescue CATASTROPHES CAT RESCUE RESCUE

home environment with es Cat RescueOver was set through our helped an theup years we have increasing number of the catsfreedom of the country Over the years we in have helped angarden increasing number of cats that surrounds the sanctuary. nt in animal welfare campaigning the and kittens in distress, by taking them into our care and finding kittens in distress, by taking them into our care and finding s we becameand established and our “no-kill” good homes for dramatically. them. The cats we inwith have often been Ourtake work cats involves spaying and neutering ame known ourgood workhomes increased for them. The cats we take in haveferal often been rquay Torquay abandoned or badly treated, some are simply strays who have complete colonies and giving e cats have been abandoned or are treated, simply some are simply strays who have any necessary veterinary abandoned or badly Feralhome. cats are returned to their site of capture a new home because never of a change in people’s had the chance of a treatment. proper caring never had the chance of a proper caring home. if long-term food shelter can be provided. If not, ces. Some have been ill treated. They arecat that is Our aim is to help any in need and weand believe in need and we to believe they are relocated a suitable farm or country home of love and care.Our aim is to help any cat that is that every cat deserves the chance a goodforhome. or haveof life with us with complete freedom that every cat deserves the chance ofa home a good home. once they have settled in. s always been to help any cat regardless of We do not believe in putting animals to sleep unnecessarily rament or behaviour be in they wild animals We doproblems, not believe putting to sleep unnecessarily We believe cat deserves encourage sterilisation as aevery vital part of pet a chance to have a safe, onsequently weand tendwe to actively get desperate calls for and we actively encourage sterilisation as apeaceful vital partplace of pet caring and to live and enjoy the rest of erly, feral and ‘difficult’ to re-home cats. In ownership. Please remember us in your will. Your donation Please remember ustheir in your will. donation lives. Its Your surprising how often the most seemingly eet these needs ownership. we have had to become a or legacy will help our work for the animals and save lives. unfriendly called ‘spiteful’ cat that arrives hissing, or legacy help our work for the animalsand andsosave lives. s well as a cat rescue andwill re-homing Visitors welcome by appointment spitting and lashing out, or has the most difficult and n. The cats in our care are given a high Contact Liz Varney Contact Liz Varney anti-social habits and behaviour, can change with love, veterinary care and we strongly believe care and lots of patience. Catastrophes believe that and neutering as a responsible part of pet every life saved is worth the effort it takes and with your The catschoice that are difficult•toGreat re-home facilities areGreat facilities Great oice • Half Moon Cottage, Bakers Lane, cats in need will have a bright future. Moon Cottage,support Bakers more Lane, hance to live out their days inHalf a peaceful

el hotel smallwith hotelawith big heart a big and heart and big w...view... in the in heart the of heart Torquay of Torquay Catastrophes Cat Rescue Rescue Catastrophes Catastrophes Cat Cat Rescue

HalfHeathfield, Moon Lane, Great ertainment entertainment • Great value • Cottage, Great value Dallington, EastBakers Sussex TN21 9JS

Dallington, Heathfield, East Sussex TN21 9JS Catastrophes Cat Rescue Dallington, Heathfield, East Sussex TN21 9JS Tel: 01435 830212 07912 113392 Tel: 01435 830212Mobile: Fax:Contact 01825 768012 mes...guaranteed eat times...guaranteed For further information: Liz Varney Tel: 01435 830212 Fax: 01825 768012 Email: lizzie@catastrophescats.org Email:Bakers lizzie@internationalanimalrescue.org Half Moon Cottage, Lane, Dallington, Heathfield, East Sussex, TN21 9JS Email: lizzie@internationalanimalrescue.org Registered Charity Number: 1017304 00500 803 400500 Tel. 01435 830212, FaxWe’re 01825 768012, Email: lizzie@catastrophescats.org Registered Charity Number: 1017304 social, join usWe’re on social, join us on Registered Charity Number: 1017304 uk w.tlh.co.uk sales@tlh.co.uk sales@tlh.co.uk

eisure elgrave Resort, Rd, Torquay, Belgrave TQ2 Rd,5HS Torquay, TQ2 5HS 30

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Visit us on

Legacy Yearbook#TLHhotels 2018 page 22#TLHhotels

Lyle House Care Home

Luxury residential and dementia care We understand how difficult things are for the elderly population right now. If you’re concerned about how your relative is coping and would like them to have more support, Lyle House provides family-led care in a luxurious and homely environment. Our highly trained staff follow thorough practices to ensure the health and wellbeing of all those in our care, allowing them to live safely and as they wish.

020 8878 3806 207 Arabella Drive, Roehampton, London, SW15 5LH www.countrycourtcare.com

Join the Country Court family, near you. Country Court operate 33 beautiful, family-led care homes across the UK. To find out if we have something available near you, please visit www.countrycourtcare.com

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Retirement Today Spring 2021

Articles inside

New Study finds link between regular meat consumption and a wide range of common diseases

The importance of

Probate and Inheritance Tax

Charity News

Summery recipes with Apples and Pears

Update

A Pop of Colour