Retirement Today Summer 2019 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

Issue 99 Summer 2019 £2.90

So, you’ve retired. What’s next? The Private Autobiography Specialists

Have you ever wondered what your children really know about you or how you will be remembered? Do they know about your life, your struggles, your achievements? What will your grandchildren or great-grandchildren know about their origins or what the world was like when you were a child?

Your story In your words For your family

Our authors write their autobiographies for all sorts of reasons, one of the most common being that they don’t want their lives to be forgotten. Writing a private autobiography ensures this doesn’t happen. It protects the individual’s legacy and guarantees that their life story can be passed down the generations to come.

Why Nigel became a LifeBook author

Author, Nigel Gray – ‘Snapshot’ Snapshot’

Call now & request a

free booklet

0330 127 2144 www.lifebookuk.com

“It started with my daughter, who’s now 33. I’ve always told her stories about what I used to do in the past. Sometimes when I hear her telling them back to people, they’re not exactly what I told her. So, she said ‘All right then, why don’t you write a book, Dad?’ I replied, ‘I couldn’t write a book. I’m not very good at that sort of thing.’ (Sometimes, I can’t even write an email!) Then she suggested, ‘Well, can’t you get somebody to write it for you?’ I thought about this, looked on the internet and found LifeBook. After one call, the rest is history.”

CONTENTS

4 Ten ways to be happy when your retire

David Wilson has some advice for fellow retirees on how to increase the chances of being happy when you retire.

6 Update

WELCOME TO RETIREMENT TODAY MAGAZINE

Over half of Brits are considering a move abroad to improve emotional well-being; Heat risks for older people underestimated by the public; Parents and children expecting inheritance, but majority have no care fee plan in place; New revolutionary purifier restores wine to its natural state.

9 Mediterranean inspired recipes

Relaxed recipes to bring you that sunshine feeling every day of the year.

11 Back to School in Retirement

Whether you are just about to retire or have already retired, you are never too old to learn a new skill.

Photo ©Ben Russell

13 Volunteer and make a difference

One of the ways to keep active and remain involved in your community when you retire is to become a volunteer.

16 Growing in tiny spaces Ryl

You don’t need a large plot to start growing fruit and vegetables. Some ideas to make a productive patio, balcony or even just Pe ter a window box.

and

Sm all

18 REVEALED: 4 fantastic ways to save cash after you’ve retired

Here, we take a look at some great ways to help you avoid overspending and save money when you have retired.

25 Out and About

Enjoy a day out by steam; Too young to stay in, too old to go out; Excitement builds ahead of the Bowes Museum turning LEGO® Wonderland; Magdalene Odundo: The Journey of Things.

29 Savings as part of your Retirement Planning

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nia

Vis

it E

26 A Traveller’s Tale

Some inspiring ideas for balancing harmonious living with practicality in small spaces.

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Top left: from New Vegetable Garden Techniques, photo Ben Russell Top right: from Small Space Style, photo Rachel Whiting © Ryland Peters & Small Middle right: from Summer Every Day, photo Kate Whitaker ©Ryland Peters & Small Bottom left : Image courtesy of Visit Estonia

Cour

Photo Kate Whitak

Advice for those who are interested in saving and investing for retirement.

33 Summer in Estonia

The season of ‘White Nights’ in Estonia welcomes in the long summer months of glorious Estonian sunshine and offers something for everyone.

37 Traditional vs Electronic Greetings

In the online world, does traditional writing still have space?

38 The importance of making a will • Published by: Amra Media Solutions Ltd The Old Lavender Mill 46a Brook Street Aston Clinton Buckinghamshire HP22 5ES • Tel: 01296 632700 • Email: info@amramedia.co.uk • www.retirement-today.co.uk • Designed by: Tom Evans Design 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.

Read why it is so important to make a will to ensure beneficiaries, loved ones and charities receive exactly what the will maker intends.

43 Charity News

Bransby Horses announces their biggest summer activity schedule for 2019; Secure your future and transform theirs; InDependent Diabetes Trust offer free information packs

44 Charity News

Making Space celebrates 37 years; The Royal College of Surgeons of England funds the first surgical high dependency unit in Eastern Uganda; Can you help six-month old pony Buddy recover from his terrifying ordeal; Hedgehog is rescued from netting.

46 Charity News

‘Casper’ finds sanctuary at Catastrophes after being rescued by Twinkle Trust; Small charities value your donation more! Hedgehog is rescued from netting.

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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Ten ways to be happy when you retire David Wilson has some advice for fellow retirees

Ten ways to be happy when you retire

ost of us look forward impatiently to the day we can retire. We’re constantly being told that 60 is the new 40, and that we can expect to have between 10 and 20 years of active retirement if we stop working in our sixth decade. Yet the reality doesn’t always live up to the dream. Ill health can stop us abruptly in our tracks. Money is a worry for many. And there’s a big group who just don’t know what to do with all that free time they have when they do finally retire. I left an absorbing job as a teacher and company trainer just over two years ago, so I’m still learning how to handle my new-found freedom. But I’m beginning to realise from my own experience, and the experiences of my retired friends, that there are some things we really should do to maximise our happiness after we finish working. So here are my ten tips to increase the chances that you’ll be happy when you retire: 1. Establish routines of time and place. You may have had to do this when you were working. Even if you didn’t, familiar routines don’t stop you from being spontaneous as well. Routines help you to do daily chores on auto-pilot, and they free up your psychic energy to do something different each day. 2. Keep improving those time management skills you learned at work. You don’t need to be over-strict about it now you’ve retired, but calculate mentally how much time you have each day, and how long you can devote to each of the things you enjoy doing. And know your body clock. Each of us has a different period of the day when we’re at our best. 3. Get plenty of sleep. For most of us that means at least seven or eight hours on a regular basis. Try going to bed at the same time each night. In addition to enough sleep, take time out to rest. As we get older, we need to do this just to keep our energy levels up to the mark. RETIREMENT

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Residential Courses Summer Schools Workshops Concerts have some face-to-face communication with people every day, especially if you live alone. And they don’t need to be friends. People who serve you in a supermarket, café or restaurant, or even people who ring your doorbell will do (be careful here, but not too suspicious!) 10. Be positive! Try to see the good in yourself, in other people and in things that happen around you, however hard it may be at times. Take the long view, and don’t let setbacks set you back for ever. Be thankful for what you have and can do, not resentful about what you don’t have or fail to do. Try to eradicate negative thinking; it can be done with practice. Maybe you’re already doing some of these things, but there may be some you’re neglecting. I find they all help build up confidence in myself as a retiree. And hopefully, they will help you to have a long and happy retirement. n David Wilson is practising at being retired. He lives in York, England.

Classical Early Folk/Gospel Jazz/Light

www.benslowmusic.org +44 (0)1462 459446 • info@benslowmusic.org Benslow Music, Benslow Lane, Hitchin, Hertfordshire, SG4 9RB A Company limited by guarantee. Registered in England No 408404. Reg Charity No 313663

David Wilson

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Ten ways to be happy when you retire

4. Be mindful about everything you do each day. Enjoy or learn to enjoy everything you do, however pleasant or unpleasant it is. 5. Have a clear idea of what you really enjoy doing, not what other people want you to do. You will have more quality time to spend with your partner and attend to each other’s needs, but don’t crowd each other out. That can spell relationship difficulties. But what do you really want to do? It can be anything from reading a book to going for a country walk. You decide what to do and when you are going to do it. 6. Eat wisely. Don’t skip meals. Make sure your diet is reasonably low-fat and don’t binge on carbs: they put on weight. Include five portions of fruit and green vegetables each day. Drink alcohol in moderation. It’s ok sometimes to have a small glass of red wine with your dinner but aim for at least three alcohol-free days each week. 7. Make time for regular exercise every week. Depending on the state of your health and fitness, go swimming or visit the gym for at least half and hour or an hour three times a week. If you can’t manage that, try vigorous walking for 30 minutes to an hour each day. Get outdoors and enjoy your surroundings. You now have more time to observe the people and places around you. Regular exercise will help you sleep better and simply make you feel good. 8. Learn something new. It could be a degree course if you’re feeling ambitious; or a new language (I’ve taken up Portuguese), new knowledge or a new skill. Take up something you really enjoy learning, for its own sake, not because you have to do it. 9. Spend time with people and make new friends. Actively seek out new friendships with people of all ages. Keeping up-to-date with people and events around you is particularly important at our stage of life. Social media provide excellent opportunities for this as well as being a source of new friends. But make sure you

UPDATE

Heat risks for older people underestimated by the public With summer upon us, large sections of the public are underestimating the dangers posed by even ‘UK-level’ heat, a new survey by the charity Independent Age has discovered. The poll, released to mark the launch of the charity’s Summer wise guide found that almost three-quarters of people were not aware that heat-related deaths can start at temperatures as low as 25c. The survey also revealed a lack of knowledge around skin protection, with nearly half of respondents not realising that sunscreen needs to be applied 30 minutes before sun exposure, and again just before going out. The Summer wide guide has been launched to provide accurate advice about how to enjoy the summer while staying healthy and safe. It is completely free and packed with information and tips on coping with summer heat. You can order a copy by calling 0800 319 6789 or downloading from www.independentage.org/summer-wise.

Over half of Brits are considering a move abroad to improve emotional well-being 51% of Brits are thinking about moving abroad, with two-thirds saying that it would help improve their emotional well-being, according to a survey of 1000 people aged 18-50+. With increased awareness of stress and mental health issues, it looks like Brits are taking steps to improve their situation with a move abroad. The top three reasons for a move abroad are to improve quality of life (42%), for better weather (41%) and to improve wellbeing (32%). While the survey, conducted by Crown Relocations, shows that many of us consider life in the UK too stressful, it also found that we’re leaving materialist needs behind. Despite being split as a nation over Brexit, our top destination to relocate to is Europe, with Australia/NZ coming in second and the US third. Europe is considered the safest, friendliest, cheapest and easiest destination to relocate globally. However, in contrast nearly half of Brits are too nationalistic to leave. When looking at what’s preventing a move abroad, people said that they would miss their family too much, like the UK too much (a third) to leave and a quarter said they would miss the culture.

Parents and children expecting inheritance, but majority have no care fee plan in place New revolutionary purifier restores wine to its natural state The nation seems to have woken up to the whole idea of clean cuisine and as we get older to try and look after our health through the things we put in our body. Of course, we all appreciate a good glass of wine now and again and one American entrepreneur, James Kornacki has found a way of making us enjoy our favourite tipple whilst reducing any health drawbacks. James launched the ÜIIO Wine Purifier (retailing at £69.99) when learning that his aunt was unable to drink wine due to her intolerance to sulphites, a chemical added to wine as a preservative. With a doctorate in chemistry from Northwestern University James made it his mission to develop a product to allow her to drink wine. The ÜIIO Wine Purifier is now available in the UK from selected retailers including Harrods, Amazon and available though the ÜIIO website www.ullowine.com 6

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Adults putting off the hard questions surrounding growing old and care in later life risk dreams of an inheritance for their children being shattered and family left to count the cost of care home fee realities instead, according to a new survey. YouGov research commissioned by law firm Irwin Mitchell polled over 2000 of the British public on attitudes and plans for care home fees in the UK, revealing at least 31% of parents think that elderly care home fees generally come from sources other than the individual’s estate – yet over half (65%) aren’t currently saving for any potential future fees and don’t plan to, and just 9% are currently saving. Kelly Grieg, partner and head of later life planning at Irwin Mitchell said ‘The results are interesting in that they reflect a gap between the intention of saving for care – taking funds from savings was the most popular choice after the traditional avenues of paying from the estate and government funding – versus the reality of it, considering a big majority the survey said they had no plans to save for care homes fees. ‘This reflects a concerning attitude towards putting off the hard questions about growing old, when planning ahead now could be the difference between having enough to keep the family home for the children and grandchildren to inherit – otherwise the inheritance if the first thing to go.’

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T OF F I G E H T IFE L W E N A AD: 8 WE H IN 201 UE CASES C 93 RES ES REHOMED RS O 141 H 9 IN OUR 41 N SITE CARE O

MEDITERRANEAN INSPIRED RECIPES

elaxed recipes to bring you that sunshine feeling every day of the year. Whatever the weather there’s no excuse for throwing any old plate of food together – it should be the reason why you take extra care so the meal can be a memorable one. Simple, fresh Mediterranean-style ingredients and fuss-free recipes equals the perfect solution to stylish entertaining at home, whether you’re feeding a group or just that special someone.

Recipes from Summer Every Day by Acland Geddes & Pedro da Silva, published by Ryland Peters & Small (£14.99) Photography by Kate Whitaker © Ryland Peters & Small

GRILLED NECTARINES WITH BUFFALO MOZZARELLA, COPPA SALAMI & CHILLI By leaving a legacy to Bransby Horses in your Will we can keep giving horses, like mare and foal Passchendaele and Evelina, a wonderful new life.

LEGACIES ARE A LIFELINE TO OUR RESCUE AND REHABILITATION WORK 2008

Bransby Horses is a Registered Charity No: 1075601 Company Limited by Guarantee Registered in England and Wales No: 3711676.

8 slices coppa salami (if you can’t find any, substitute Parma ham) 250 g buffalo mozzarella, torn into generous hunks 1 mild red chilli, finely chopped (avoid the bird’s eye variety, they’re way too vicious for this dish)

The Psychiatry Research Trust

50 g Parmesan cheese, shaved

Mental illness and brain disease affects everyone – one in four of us directly.

Serves 4

The sole objective of The Psychiatry Research Trust is to raise funds for research into these devastating conditions at the Institute of Psychiatry, Psychology & Neuroscience (KCL) and its associated Maudsley and Bethlem Royal Hospitals.

Mediterranian inspired recipes

774

caster sugar, for sprinkling

3 tablespoons extra virgin olive oil

The research is aimed at prevention and informed detection as well as new and better treatments throughout the whole range of mental health topics, including Alzheimer’s and Motor Neurone Disease, Eating Disorders, Psychotic Illness, Addictions and Childhood Problems. We especially help young researchers with new ideas, to obtain their first support grants.

Reduced Balsamic Vinaigrette, to serve sea salt and cracked black pepper a ridged grill pan Registered charity number: 1087579

Stone the nectarines and cut them into quarters. Heat a ridged grill pan until Please future of wild moorland smoking hot, help sprinkleus thesecure nectarinethe pieces with sugar and cook for a few usRemove in your minutes onponies each side,by untilremembering the char-lines show. and will allow to cool. Mix together the nectarines, salami, mozzarella, chilli, basil and olive oil. Season with salt and black pepper. Arrange on a plate, scatter with the shaved Parmesan and Reduced Balsamic Vinaigrette, and serve.

For further information, or to make a donation, contact The Psychiatry Research Trust. All donations are of necessity subject to a small annual charge to cover the cost of administration, including fundraising.

The Psychiatry Research Trust

PO 87, De Crespigny Park, Denmark Hill, London SE5 8AF Tel: 0207 703 6217 www.psychiatryresearchtrust.co.uk Email: psychiatry_research_trust@kcl.ac.uk gow. Donate on line at day! Project2:Layout 1 17/4/13 12:51 Page 1 www.justgiving.com/psychiatryresearchtrust

4 nectarines

a bunch of fresh basil leaves

ol rk

10/1/18 14:05 Page 22 Bransby Horses, Dept. RT19, Bransby, Lincoln, LN1 2PH www.bransbyhorses.co.uk | 01427 788464

A great-looking dish that’s bound to get ‘oohs’ and ‘aahs’. It tastes as good as it looks, and is totally foolproof. Don’t worry if you don’t have the time (or patience) to grill the nectarines – it’s the combination of colours and flavours that makes this simple assembly dish such a hit.

Registered Charity Number 284286

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Ponies are an iconic part of Dartmoor and Bodmin moor, grazing the commons since 2,000 BC, and are a priceless part of our heritage. We need to remain a lifeline for these incredible animals. A gift in your will could help us to safeguard the future of all moorland ponies For more information call 01822 854823 or online at www.swep.org.uk Unit B4, Yelverton Business Park, Crapstone, PL20 7PE

SPAGHETTI ALL’AMATRICIANA This is a simple, everyday pasta that’s not particularly cheffy, nor is it the height of edible aesthetics. It’s just damn good comfort food, perfect for eating in on a night in curled up on the sofa watching trashy TV. Make more than you think; you’ll undoubtedly have a second portion, and quite possibly a third straight from the fridge during the ad break. 250 g good-quality spaghetti vegetable oil, for frying 50 g cubed pancetta 50 ml olive oil 1 garlic clove, bashed but left whole 1 white onion, finely chopped 250 ml Tomato & Basil sauce 30 g grated Parmesan, plus extra to serve a small bunch of fresh basil, roughly chopped mascarpone, to serve Serves 2 Bring a large pan of water to the boil and add salt. Add the pasta and cook according to the instructions on the packet, subtracting 1 minute.

A very simple, light dish that packs a hefty punch. You can make your own harissa paste but it is just as delicious straight from the jar. I strongly advise wearing food-safe vinyl gloves when preparing the chillies if you do make your own; no matter how diligently you wash your hands, there will always be some lingering spice on your fingers, which will cause agony if you rub your eyes. Suffice it to say that I learned this the hard way… 4 large raw tiger prawns, about 100 g/3½ oz. each 1 small avocado, sliced

Discard the cooking oil and carefully give the pan a quick wipe with a kitchen towel (don’t burn yourself!). Return the pan to the heat and add the olive oil and garlic. Fry the garlic until browned all over, then remove from the pan with a slotted spoon. You want it to flavour the oil, but not stay so long that it becomes bitter. Add the onions and fry until translucent and lightly caramelized, then add the Tomato & Basil Sauce. Warm the sauce through, then remove from the heat. Add the Parmesan, pancetta and basil leaves. When the pasta is almost cooked but still very much al dente, tip it into a colander, reserving one mugful of the cooking water for use later. Return the pasta to the pan and add the sauce. Return to low heat and stir, adding a little of the cooking water if it’s too thick. Effectively, you’re finishing cooking the pasta in the sauce, which means it will absorb much more of the flavour. Serve with a sprinkling of extra Parmesan, a few basil leaves, and a spoon of mascarpone on top.

½ small red onion, sliced

Tomato & basil sauce

a small bunch of fresh mint

150 ml olive oil

1 head little gem lettuce

10 garlic cloves, sliced

olive oil, to serve

1 fresh red chilli, sliced

sea salt, to taste

8 x 400-g cans good-quality tomatoes, chopped or whole (don’t stint, it makes all the difference)

½ lemon, cut into wedges

1 large bunch fresh basil, chopped

For the dressing

1 tablespoon salt

1–2 teaspoons harissa paste

a hand-held electric blender

2 tablespoons yogurt

Makes 800 ml

Serves 2

Put the olive oil, garlic and chilli in a heavy-based pan over medium heat. Once the garlic has just got the first hint of colour, add the tomatoes, basil (stalks and all) and salt. Bring to the boil, then reduce the heat to the lowest simmer possible.

Preheat a heavy-based grill pan over high heat. Put the tiger prawns on a chopping board and cut them lengthwise with a sharp serrated knife from the tail to just before the head. Open up the tail and season with a little olive oil and salt. Once the pan is smoking hot, add the prawns so that they stand on their opened-up tails. Cook for 3–5 minutes, until the flesh has turned white, then turn off the heat. Mix the avocado, red onion, mint and lettuce and drizzle with a little olive oil and sea salt. Place the prawns on top with a wedge of lemon. Depending on how fiery you like it, mix 2 teaspoons of harissa paste with the yogurt (the yogurt counteracts the chilli heat) and dress the prawns and avocado salad. Or you could put a dollop of yogurt and a spoonful of harissa on each plate and let your guest manage their own heat.

Cook for 3–4 hours, stirring frequently, until the sauce has thickened. Blitz with a hand-held blender to make a smooth sauce. Add more salt if necessary – it should be generously seasoned. Leave to cool, then store in the fridge overnight so that the flavours mature. Pour into containers and freeze for later use. RETIREMENT

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Mediterranian inspired recipes

BUTTERFLIED PRAWNS WITH AVOCADO, HARISSA & YOGURT

While the pasta is cooking, heat a large non-stick frying pan over medium-high heat with a splash of vegetable oil. Fry the pancetta cubes until nicely crispy, then remove.

MASTER YOUR CREATIVE WRITING CRAFT

The Manchester Writing School Join our MFA/MA Creative Writing programme and one of the UK’s largest and most successful literary centres.

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Study on campus or from anywhere in the world via online distance learning (September or January entry).

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Follow a specialist route in Novel, Poetry, Writing for Children & Young Adults, Scriptwriting or Creative Non-fiction.

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Complete your own full-length manuscript with editorial input from one of our world-leading writers.

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MA English Studies, short writing courses and two-day Summer School also available.

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£10k Poetry and Fiction Prizes The Manchester Writing Competition is now accepting entries for the 2019 Poetry Prize and Fiction Prize. Both prizes are open internationally and offer the chance to win £10,000. Find out more:

manchesterwritingcompetition.co.uk

‘Back to School’ in Retirement

BENSLOW MUSIC Courses and Concerts The best moment was … “…when I realised I was enjoying playing again and could actually do it” “Gaining the confidence to play with others and being able to find my place in the music after making a mistake” (Introduction to Wind Chamber Music, August 2018)

They love it when people find motivation through their courses and discover or rediscover their love of music.That is why they are there. At Benslow Music they offer a huge variety of informal residential and day courses to musicians of all abilities on a wide range of instruments and voices at their beautiful campus in Hitchin, Hertfordshire. They boast ten designated rehearsal rooms, including two recital halls, good quality accommodation and in-house catering for up to fifty guests at any one time. Their tranquil four-acre gardens are an integral part of the Benslow Music experience and provide an inviting space in which to relax and re-gather energies between sessions. Whether your musical taste is for classical, jazz, popular or folk, the have a music course to suit you. They run over 250 residential music courses annually and their tutors are the best in the business! From their Baroque Opera project, Late Starter String Orchestra, wind quintet courses to their Big Band Summer School, there is something for you! “It took me a while to realise what I got from the course because to be honest, I struggled all weekend to keep up. Today the answer came to me – it was courage. I realised that we use the sheet music as a crutch and we just have to ditch the score and play as best we can. It is the only way to let our ears take over as the dominant sense and when we do that and trust in ourselves, good things start to happen!” (Folk Fiddling by Ear, September 2018)

Benslow Music, Benslow Lane, Hitchin, Hertfordshire SG4 9RB www.BenslowMusic.org

active and at the same time gives you the opportunity of meeting new people with similar interests to yourself. Whether purely for pleasure or with an anticipated qualification in mind, they are many establishments and organisations offering a variety of part-time, weekend or distance learning courses. Here are a couple of samples.

THE MANCHESTER WRITING SCHOOL at Manchester Metropolitan University

Have you always dreamed of writing your own book or script? Join their MFA/MA Creative Writing programme at one of the UK’s largest and most successful literary centres, run under the creative direction of former Poet Laureate Carol Ann Duffy DBE. More than 85 of their students and graduates have embarked upon publishing careers launching first books, with many more achieving publication in journals and magazines, winning writing awards and prizes, and setting up small presses and anthologies. • Study on campus in the city centre of Manchester, a designated UNESCO City of Literature, or from anywhere in the world via online distance learning (September or January entry). • Follow a specialist route in novel writing (including short fiction), poetry, writing for children & young adults, scriptwriting (for stage, screen or radio), or creative non-fiction. • Complete your own full-length manuscript with editorial input from one of theirl world-leading writers. • MA English Studies, with routes in The Gothic and Contemporary Literature, Film and Theory, and a range of short writing courses are also available. £10k Poetry and Fiction Prizes The Manchester Writing Competition offers the UK’s biggest literary awards for unpublished work. Each year there is a chance to win £10,000 for either poetry or fiction. The competition encourages and celebrates new writing from across the globe and is open internationally to new and established writers. Entries are now being accepted for the 2019 prizes. To find out more about Manchester Writing School, the courses that are on offer and the writers who teach on the courses, visit www.mmu.ac.uk/writingschool RETIREMENT

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‘Back to School’ in Retirement

hether you are just about to retire or have already retired, you are never too old to learn a new skill. Retirement is a good time to start something you have always wanted to do but never had the time whilst working. It’s a great way to keep the mind and body

VOLUNTEERING CHANGES LIVES Volunteering with the British Heart Foundation can change more lives than you think. You will help raise the money that drives our life saving research whilst meeting great people and being part of a friendly team. Whether you can give just a few hours or a few days, every minute of your time is valuable to us. Find out more at bhf.org.uk/volunteer or call 0300 330 3322

Registered charity numbers 225971 & SC039426

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At just 15 years old Helen, 49, first heard about the British Heart Foundation at a talk at her school in Cornwall in 1985 and has been volunteering as part of a fundraising group ever since. Her mother Gill, 73, joined the group four years later and they have been working together with the group to raise vital funds for the last three decades. This later led to Gill becoming a volunteer at the BHF shops, first working at the store in Bodmin and then moving to her current local shop in Liskeard where she has been for the past 10 years. Gill says; “I just love working in the shop, I love the camaraderie”. Helen and Gill now have over 64 years of volunteering between them and have helped their local fundraising group raise hundreds of thousands of pounds for the British Heart Foundation. A highlight of their time spent volunteering was the day Helen was awarded the Volunteer of the Year Award, when they were invited to the BHF Head Office to meet the CEO. A whole group from the local fundraising committee travelled with them to celebrate what Gill describes as a very emotional day: “I shed lots of tears, I was just so proud!” As mother and daughter, they thoroughly enjoy spending time together, with some people mistaking them for sisters. Helen says; “We have a great laugh and enjoy the time spent together, knowing that we are raising money for this great cause. What got me involved in the first place is the fact that my Grandad died from heart failure, so I always keep that in mind.” For further information www.bhf.org.uk

Giving back with SSAFA

Volunteering can help you give back - we speak to one veteran volunteering with SSAFA, the Armed Forces charity about his experiences in helping his fellow comrades. Paul Moore served in the military for 34 years before returning to civvy street and becoming self-employed. “I always said that I wanted to work with veterans at some point,” explains Paul. When a friend asked him to get involved with SSAFA five years ago, he didn’t hesitate. He says: “When you’re in the Forces, you’re used to looking after your own guys. When I became self-employed, it gave me the time and opportunity to volunteer and work with veterans. It also gave me a bit of focus.” Paul started volunteering in SSAFA’s Durham branch and later this year he will become chairman of the same branch. He supports SSAFA’s volunteers and fundraisers throughout the local area and acts as a link to the central office in London. Now retired, volunteering with SSAFA has inspired Paul to complete a master’s degree looking at the mental health and wellbeing of veterans and their families. Initially, Paul was concerned about the time commitments to volunteering, but he soon realised that SSAFA was appreciative of any help he could give. “Go along, dip a toe in the water, see how it impacts you. Lots of our volunteers are retired and they say they get so much personal satisfaction out of doing something good for someone else, that in itself is a reward.” “The moment you see the person having a breakthrough…that’s just definitely worth it” For more information on volunteering with SSAFA in your local area, visit www.ssafa.org.uk RETIREMENT

hese days we are all living longer and healthier lives and the days when people thought of retirement as a time to just sit back and put your feet up and do nothing has long gone. Perhaps in retirement you are looking forward to leaving the hustle and bustle of your daily routine behind but at the same time are anxious to have something different and challenging to fill your days. When people retire and are still in good health, one of the ways for them to keep active and remain involved in their community is to become a volunteer. As people move from work to retirement volunteering can play a significant part in people’s lives. For example, it allows you to connect to your community and make it a better place and even helping out with the smallest of tasks can make a real difference to charities. Volunteering can be a two-way street, as it can benefit you as well as the cause you choose to help. It’s a great way to meet new people and make new friends, especially if you have recently moved and are new to the area. Helping others can reduce stress, combat depression and bring fun and fulfilment to your life. Numerous charities couldn’t function without people who give up part of their day to gift their time and expertise to help others. There are lots of easy ways you can help to make a difference to the lives of others, from helping out in your local area to making a regular commitment to volunteer with a charity. Read some examples of how volunteering has enriched people’s lives.

Volunteering with the British Heart Foundation for three decades!

today

Volunteer and make a difference

VOLUNTEER and make a difference

Anna has been volunteering for British Wireless for the Blind Fund for many years

She helps them out as a database administrator – making sure their recipients’ and supporters’ details are all correct and up-to-date on their system. Anna gives up her time to help at two other charities as well and says she loves the variety volunteering can bring.

“I worked for 20 years and was then made redundant,” she said. “Their head office volunteers are vital in helping them to keep me busy and gets me out and about. “It also keeps me up to speed with computer work, it’s the sort of thing I like doing, it’s nice having the variety of different people to see and sitting at home would be boring! “I always had the ambition to work for

a charity but it never happened so I’m doing it now by volunteering.” Their head office volunteers are vital in helping them to keep things going behind the scenes. She has spina bifida and said that was a part of wanting to help out a charity which supports people with a disability. “Anything to do with a disability from my point of view is worthwhile and I think anyone who is thinking about volunteering should go for it,” she added. “Charities are always looking for volunteers to help in all sorts of areas and whether you have got a disability or not there is always space for people. “I feel like I’m giving something back to society and to a cause which helps others.” n For more information visit www.blind.org.uk

INDEPENDENT DIABETES TRUST

Do You Have Diabetes? Do You Know Someone with Diabetes? As a small charity with a big mission

- we need your help...

We offer free support and information to people with diabetes, their families and health care professionals on the issues that are important to them. Our Helpline offers a friendly, understanding ear when the going gets tough. Your help will enable us to continue to support people with diabetes and provide much needed aid to children in developing countries. We rely entirley on voluntary donations. So if you are thinking about making, or updating your Will, please consider a gift to help us continue our work. Please make donations to “Diabetes Trust Research and Care Fund.”

For more information please contact: InDependent Diabetes Trust PO Box 294, Northampton, NN1 4XS

TELEPHONE 01604 622837 Email: martin@iddtinternational.org Website: www. iddtinternational.org Charity Number 1058284. Registered Number 3148360

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VOLUNTEERING

BE A FORCE FOR OUR FORCES Every day our teams of SSAFA volunteers and mentors are changing the lives of those in need from the Armed Forces and their families. Make the most of your talents. To find out more about volunteering or mentoring with SSAFA and how you can make a difference, visit: ssafa.org.uk/volunteer

Registered as a charity in England and Wales Number 210760 in Scotland Number SCO38056 and in Republic of Ireland Number 20006082. Established 1885. S378.0619

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Growing in Tiny Spaces

Large plastic pot filled with peppers, tumbling tomatoes, and aubergines (eggplants) transform a bright patio

ou don’t need a large plot to start growing fruit and vegetables; in fact, you don’t need a garden at all. Try these ideas to make a productive patio, balcony, or even just a window box.

Growing in Tiny Spaces

Packing in pots

It’s easy to transform a tiny paved area into a beautiful productive space or to grow a few delicious edibles on a balcony or windowsill. All you need are a few pots, containers and hanging baskets and a sunny corner; you can also carry them with you if you move. What could be nicer than a flourishing strawberry tub on the patio, a trailing pumpkin growing along a fence, or chilli peppers and herbs thriving near a sunny window? The commitment of time and money is minimal and the rewards of fresh pickings are high. To get started, invest in a container, or make your own from recycled food cans or buckets. Then buy a packet or two of seeds and you’re ready to go. Some plants may succeed better than others, but that’s all part of the fun of learning how to grow crops.

Choosing the best containers

Select large containers for most of your crops. Big pots hold more compost, more fertilizer, and more moisture, which reduces the maintenance needed, as nutrients aren’t used up too quickly and the compost doesn’t dry out as soon as the sun shines. If you plan to grow greedy RETIREMENT

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vegetables, such as potatoes or squash, choose a container at least as big as a bucket, or larger; even then, you may have to add extra fertilizer as the plants grow. Although large containers are easiest, a mix of pot sizes can look attractive – use the smaller ones for drought-tolerant herbs or cut-andcome-again salad leaves.

Reasons to grow fruit and veg in containers • CONTAINERS FIT where a garden bed can’t. They can stand on a solid floor or on the top of a wall.You can also attach them to fences and walls, or hang small pots from a roof. • PLANTS BENEFIT FROM WARMTH and shelter when containers are set next to a house wall, allowing you to grow sunloving crops, such as tomatoes, peppers and aubergines, which may not fare as well in more exposed areas. • CLAY AND BLACK POTS ABSORB HEAT and provide a

warm environment for roots. • YOU CAN MOVE POTS AROUND to follow the sun, or to ensure that there’s always something fresh to pick close to the kitchen door. • IT’S EASY TO GIVE THE RIGHT COMPOST and conditions to each plant when growing them in their own, separate containers.

Materials matter

As well as choosing the right size of container for your crops, also consider the materials from which they are made. The following selection of the most popular types identifies their pros and cons: • Wooden tubs and barrels are heavy, but they are less likely to blow over on a windy terrace. When using old barrels make sure they haven’t been treated with a toxic preservative. If you’re good at DIY, you can also make containers yourself to a size and shape that fits your patio or balcony perfectly. • Ceramic pots come in many

Use liquid feed every 7-10 days for a bumper, healthy crop

Grow herbs in pots near the kitchen door or on a sunny windowsill

shapes, sizes and colours. Choose frost-proof types if you intend to leave them outside in winter – water expands as it freezes, causing some ceramic to crack. • Plastic pots are light and cheap to buy.You can hide them behind more attractive containers, or use them to grow trailing plants that will disguise them. • Metal containers can rust, unless they are galvanized or made from stainless steel, but you can reduce rust by applying a layer of paint (check for environmentally friendly options). Metal heats up quickly, too, which may be a problem in full sun. • Growbags make excellent containers. Make covers if you don’t like the look of them and buy those that are filled with organic compost. Don’t be limited by what you can buy. Old kettles, milk churns, wellington boots, wheelbarrows and large food tins all make great containers. If you have a good eye, you can make a spectacular display.

Joyce’s tips for success

An extract from New Vegetable Garden Techniques by Joyce Russell, photography by Ben Russell, published by White Lion Publishing at £18.99

A small patio or conservatory offers the perfect growing space for a wide range of crops

Growing in Tiny Spaces

Buy frost-proof ceramic pots if they are to stand outside through cold winters

• Check pots have drainage holes in the base. A single small hole in a large container may not be sufficient and can lead to soggy compost, so drill a few more if possible. • Potting compost provides nutrients for six to eight weeks of growth. Use a liquid feed every seven to ten days after that time. • Use compost from the garden heap to fill large containers. Cover this with a layer of bought compost to reduce weed growth. • Fill pots to just below the rim. This allows for space at the top for watering, or an extra layer of compost or mulch. • Choose small and early varieties of fruits and vegetables. These are bred to mature quickly and often well on containers.

• Make sure rain reaches containers. Pull them away from the house wall if you are going on holiday and ask a friend to water while you are away. • Don’t let compost dry out. Water daily in hot weather, or every few days in cooler conditions. Stand pots in a container filled with about 10cm (4in) of water o prevent them from drying out in summer. • Avoid soggy compost – check drainage holes and stand pots on feet if it is too wet n

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3. Prioritise

Having a budget doesn’t mean removing the items or adventures that are most important to you from your life. However, it is important to set yourself priorities. Decide what it is that you really want in your life and what are just added bonuses. Doing this can help you to prioritise your money, while ensuring you don’t miss out on what you really want in your life

4. Adjust the frequency of luxuries

REVEALED:

4 fantastic ways to save cash after you’ve retired

REVEALED: 4 fantastic ways to save cash after you’ve retired

any are of the belief that 57 is the ideal age for packing in work, according to studies, with 32% of respondents planning to quit the working world at this age. for some, the thought of calling it a day before they’re eligible for their state pension isn’t feasible. It’s been estimated that the British public will need at least £260,000 to retire without money issues. Unfortunately, research has found that the average pot of money held by those aged between 45 and 54 is £71,240 — way off the final required total. Although this final figure seems very large, there are ways to avoid overspending after you have retired and to make your money go that little bit further. Here, we take a look at some great ways to save money after you’ve retired.

1. Grow your own

Growing produce at home has many benefits. We all know that eating fruit and vegetables is good for you due to them being full of vitamins, minerals and nutrients. However, have you ever stopped and thought about how much money you can save if you grow your own veg? If your garden is big enough, you should create a vegetable plot.This can include cabbages, lettuce, onions, sweetcorn, leeks and the likes. You should also look into companion planting. For example, grow swiss chard in the same space as onions, beetroot and cabbages and you’ll make the most of your space while also deterring pests. A patio garden can also grow smaller produce, including mange tout, radish and French beans. Some of the most cost-effective vegetables you should look to grow in your garden include tomatoes. As they don’t require much space to grow, you can even place these on balconies. Usually, they take 12 weeks before they are ready for harvest and each plant can create fresh produce daily for up to six years. Based on a shopper buying one box of tomatoes per week, this can help you save £52 each year. Potatoes are another money saver. The average Brit eats 429g of potatoes every week and the average four-pack costs £1 in a supermarket. However, for a pack of five seeds, you can grow up to 45 potatoes for as little as £1.50. Of course, there are many other examples that can save you money, and it all tallies up when put together to make great savings. RETIREMENT

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2. Sell your clutter

We are a nation of hoarders. Whether it’s old equipment or new purchases, we don’t like to get rid. In fact, over half of the UK’s adults claim to have between one and 10 items hanging in their wardrobe which have never been worn. However, one man’s junk is another man’s treasure, right? Therefore, clear out any unnecessary clutter you may have acquired over the years. Have a huge clear out and you’ll be surprised at how much stuff you don’t actually need if you’re ruthless. This can help to provide extra funds to go towards your retirement pot. It means that you’ll be increasing your income, and you won’t even have to make too many cuts from your lifestyle.

You don’t have to stop enjoying yourself to save money in retirement. It’s no use retiring just to sit and be bored. However, it’s important that you plan properly and adjust your lifestyle to suit your budget. We all like the occasional blow out — whether that’s on a holiday, fine dining or on new items. However, it’s crucial to live within your means. If you were used to eating out every other night when you were in employment, chances are you won’t be able to once you’ve left the workplace. However, you shouldn’t cut it out altogether. Simply adjust the frequency you do so, and you’ll still be able to have that luxury that you long for. All the above are simple ways to converse cash once you’ve retired. Of course, there are plenty of opportunities for you to make the most of your retirement, but by focusing on these points, you’ll be well on your way to enjoying your relaxing time after finishing work for good n

MEET YOUR NEW NEIGHBOURS AT OUR AFTERNOON TEA! Join us on Saturday 27th July 11am - 4pm for a Prosecco Afternoon Tea! You’ll get the chance to meet your potential new neighbours and take a tour of our high specification, low-maintenance apartments, available exclusively for over 55’s. Our generously sized 2 & 3 bedroom apartments are conveniently located between Letchworth Garden City and Stotfold, just 15 miles* from Luton Airport. Surrounded by countryside yet with an array of amenities nearby, all apartments include two parking spaces and benefit from having lower service charges than nearby Fairfield Park*. Book your place today - homes ready to move into now! 2 bedroom apartments from £284,950 3 bedroom apartments from £349,950

HIGH SPECIFICATION

DESIRABLE NEIGHBOURHOOD

CLOSE TO TRANSPORT LINKS

CLOSE TO LOCAL AMENITIES

Hitchin Road | Fairfield Park | SG5 4RZ - Marketing suite & show homes open daily 10am - 5pm

www.crestnicholson.com/fairfieldgardens

01462 502011

Distance taken from Google Maps. Annual service and estate charge at Fairfield Gardens is £1,300, in comparison to an average of £3,404 at Fairfield Park. Neither figure includes ground rent charges. Street scene and show home photography. Imagery includes optional upgrades at additional cost. Please note, these are not warden controlled retirement homes. Pricing correct on 28.06.19

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Experts in Retirement Living

any retirement living operators are now alert to the fact that a rental option is what many in the market are looking for rather than a leasehold purchase as they look to downsize for their retirement lifestyle. The good news is that you can speak to the undisputed experts in rental retirement who have been successfully delivering this for 25 years in the UK. They can show you how to downsize your worries and upsize your retirement! All Inclusive The Hawthorns Group operate four premium retirement villages and communities and have honed this to a compelling offering with many years of experience based on what the customer wants – a single monthly charge that covers everything, easy to budget for and with no unpleasant surprises. Hospitality’s assured with restaurant quality dining prepared by a professional chef and his team served three times a day, with table service and menu choices at every sitting. There are free refreshments throughout the day that even includes wine at lunch with specialist teas and coffees, nutritious juices and fruit in the coffee lounge; the chef even bakes cakes daily for that little treat you so deserve.

With all your weekly housekeeping and larger laundry items done for you, you can concentrate on living life. The Hawthorns RETIREMENT today

places great value on supporting residents to be proactive about managing their health and well-being and provides an optional and free Well-being Assessment, which considers all factors that help you to get the most out of life, maintain your chosen lifestyle and support independence. Well-being staff tailor a programme of events around interests that really matter to each individual. Free exercise classes, entertainment in the complex and trips out in the private minibus – they’re all included. Downsize the burden What the residents don’t want, and therefore don’t get, are the: property and garden maintenance fees, monthly service charges, or ground rents; utility bills no matter how much heating and hot water they use and even internet and council tax charges. They don’t want to be tied in or to be held to a long term contract, but just 30 days’ notice, and with no exit fees. They want to be able to quickly and easily change apartment within the community should their circumstances change without the costs associated with sale and purchase. It’s a truly unique retirement offering. Make Your Retirement Easy With all the recent concern in the press about the ongoing costs and negative returns for some retirement property purchases, the financial comparison is compelling.You also won’t be guaranteed all the hotel quality services and the lifestyle that comes as standard with the Hawthorns rental model. Look for clarity, choice, lifestyle and the easy ability to change your mind at any time.

Retirement Assured The stunning Hawthorns provides a unique lifestyle in all-inclusive rental retirement living, with a choice of spacious studios, 1-bed and 2-bed apartments; there’s something for everyone. Staff are on hand around the clock and there’s a first responder emergency service call system in each apartment. A welcoming and safe community Don’t just take our word for it “I’m glad that I moved in to The Hawthorns when I did. If I could speak with potential residents who don’t think they are ready, I would advise them not to leave it too late, make the move whilst you are still able to enjoy all that is on offer.” Valerie Stokoe “I’m pleased I moved to The Hawthorns when I did. I recently went back to my old home to visit some friends and it made me realise just how happy I am at The Hawthorns. I was elated to walk back through the doors that evening.” Joy Mutlow “I made the move to The Hawthorns at the right time. The older you get the harder everything becomes, especially if you have no close family at hand. I aim to make the most of all that is available whilst I am still able to do so.” Millie Spark For more information call 01603 895417, search ‘Hawthorns Retire’ on-line or see life at our communities on Facebook.

Classic Wings Advert 90mm w x 137mm h 2-18.qxp_Layout 1 14/02/2018 15:15 Page 1

FLIGHTS OF NOSTALGIA AT IWM DUXFORD Sightseeing in our 1930s de Havilland Dragon Rapide over London or Cambridge

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Fly Wing to Wing with a genuine Second World War Spitfire

Flights available from £99 Fly in a Spitfire – for the ultimate experience

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Flying at IWM Duxford since 1990

Discover the freedom of renting in retirement

“Having made so many new friends, I feel relaxed and secure knowing my assured tenancy means I can stay in my new home for life!“

All the beneﬁts of retirement living 6 + Long term assured ‘lifetime’ tenancies Age ex0 clusiv prop e erty No service charges to pay natio available nwid e No property ownership responsibilities Landlord is responsible for maintenance Specialist retirement property letting agent Register with us to ﬁnd your new home...

0800 525 184

Book online at www.classic-wings.co.uk Contact 01223 837453

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‘I never knew it would be this good!’ Retirement Village

WINDSOR Independent living with peace of mind. 1, 2 & 3 bed apartments for the over 55s with tremendous communal facilities and care if required

Come and see for yourself we have an open week from Mon 1st - Sun 7th July 10am - 4pm. No appointment necessary. Contact Ruth Wilson on 01753 378 127

www.castleviewwindsor.co.uk

info@castleviewwindsor.co.uk

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JJ C

JJ JJ C TM

J JC

JJ C

JJC

J J COOPER & SONS

EXCLUSIVE RESIDENTIAL & HOLIDAY PARK HOME ESTATES

HERE QUALITY & W LIFESTYLE COME FIRST Please contact our Head Ofﬁce on 0118 942 8782 to discuss your residential park home or holiday lodge requirements. We can supply park homes and leisure lodge homes from any manufacturer. We have an inventory of stock homes from any of the leading manufacturers available immediately, alternatively you can place a forward order for a home of your choice with a lead time of 12 weeks delivery. Our parks are located in Berkshire, Wiltshire, Hampshire, Oxfordshire, Surrey and Essex with our address details listed below. We have in excess of 1200 residents living on our estates and have more than 40 years experience in the industry, with our ﬁrst park ownership in 1976.

We look forward to welcoming you to one of our parks.

Exclusive Park Home Estates at: Garstons Park Home Village, Tilehurst, Berkshire RG31 4TS (Head Ofﬁce) California Country Park, Finchampstead, Berkshire RG40 4HT • Kingsleigh Park, Thundersley, Essex SS7 3QJ • Cambridge Lodge Park, Horley, Surrey RH6 8PR • Oxford Park Homes, Sandford-on-Thames, Oxford OX4 4YT • Bungalow Park, Amesbury, Wiltshire SP4 7PJ • Robann Park, Fareham, Hamsphire • Lincoln Farm Park, Standlake, Witney OX29 7RH

T: 0118 942 8782

JJ Cooper.indd 1

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E: garstonspark@outlook.com

23/03/2018 15:04

£6 TR O 5 IA NE PE L O M R F O DA FE N Y R F TH AL R L OM IN CL .

WHAT’S NEXT FOR YOUR RETIREMENT? Enjoy a worry-free and active lifestyle with all the chores done for you. The all-inclusive rental model covers your weekly housekeeping, property and garden upkeep, all fine dining and refreshments daily, plus all your heating and hot water. It even includes your Council Tax, internet access and daily activities. Hospitality’s assured, and there’s always a warm welcome.

Sector leading Well-being Programme • Exercise classes & Activities All-inclusive living • Hair Salon • Cinema • Safe & secure • Restaurant quality dining • Coffee Lounge Walking guides designed for all abilities • Library • Landscaped gardens • Staff on hand 24/7

Call 01603 895417

Search ‘Hawthorns Retire’ online or on

Hospitality assured

Braintree, Essex | Clevedon, Somerset | Eastbourne, Sussex | Northampton, Northamptonshire

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TOO YOUNG TO STAY IN, TOO OLD TO GO OUT!

at the Edinburgh Fringe

Nigel Osner casts a quizzical eye over life’s challenges and opportunities for those just that little bit older. Going out, love, holidays - even the gym! A series of original songs and stories by male and female characters. ‘This is a beautiful piece of solo work of an excellent quality’ FRINGE REVIEW

‘The writing is clever with plenty of wit and humour’ THE MUSICAL THEATRE REVIEW

‘Witty, bitchy, achingly sad and, finally, strangely uplifting’ BROADWAY BABY

At Sweet Novotel. 80 Lauriston Place, Novotel Edinburgh Centre Hotel, Edinburgh, EH3 9DE

August 2nd to 18th (except 12th) at 17.45 Box Office: 0131 243 3596 £8.00 (£7.00 concessions)

IL RA HO From

AY LID

8 DAY

Georg Trueb

£1475

Autumn in Alsace

Discover the enchanting region of Alsace by steam train on this rich tour of autumn splendour in eastern France. Alsace borders Germany to the north and east, and Switzerland to the south. Based in the magnificent city of Colmar you’ll explore the region on privately chartered standard gauge steam trains on all of the preserved railways in Alsace and a forest railway in nearby Lorraine. Thanks to the short travel distances from Colmar to all the featured attractions this is a truly relaxed tour, and the perfect opportunity to see France in a completely new way! Find out more about this tour and all our other World tours and UK Day trips on our website.

The Railway Touring Company’s standard conditions of booking and travel apply. See website or brochures for details.

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EST. 1997

The Railway Touring Company 14a Tuesday Market Place, King’s Lynn, Norfolk PE30 1JN

To order your free brochures please visit railwaytouring.net or call us on 01553 661 500. 24

Thursday 10th October to Thursday 17th October 2019

The Railway Touring

Company UK Steam Rail Day Trips and Tours 2019 2nd Edition

The Railway Touring

Company

Worldwide Steam Rail Holidays 2019 2nd Edition

Out&About...

Too young to stay in, too old to go out! Edinburgh Fringe Novotel Edinburgh Centre Hotel, Edinburgh 2 – 18 August (except 12th)

Until he was 60, Nigel Osner, a former practising barrister, worked at the Ministry of Justice. However, he went part time to focus on writing and performing. Since retirement in 2008 he has found himself an agent, played some roles in film and on stage, and joined Equity. He has felt more fulfilled and truer to himself. However, he says, it is just as well he has a couple of pensions to support him! His particular love is character-based cabaret. This August he will be taking his current show to the Edinburgh Fringe. It is called ‘Too young to stay in, too old to go out!’ Nigel takes a look at the challenges and opportunities for those just that little bit older! There’s lots of humour but with a bitter sweet edge. Nigel illustrates his theme with his own lyrics and stories. Characters include Gerald, who is having a taxing night out in central London; a rich designer who falls for his hunky gardener; the woman driven mad by her companion on a river cruise down the Danube; and a fading star on an endless tour. Nigel has been described by the Scotsman as ‘tremendously talented and very entertaining’. Fringe Review has called him ‘a multi-skilled performer.’ In 2017 Nigel was nominated for excellence in new writing by the Buxton Fringe for his previous show ‘Angel to vampire!’ Highlight reel for the show: https://youtu.be/vOMriKXkenM Box Office: 0131 243 3596 £8.00 (£7.00 concessions)

The Bowes Museum, Barnard Castle, County Durham Until 13 October

Sensational sculptures, thrilling trails and fantastic fun are all on the agenda as The Bowes Museum opens its summer exhibition, LEGO®: Building The Bowes Museum. Visitors will be able to see magnificent LEGO® models alongside some of the most loved objects collected by their founders John and Joséphine Bowes, including the spectacular silver swan, collecting stickers as they go, before recreating a number of them in mini Creation Stations full of LEGO® bricks around the Museum. Their main Creation Station is where people can really unleash their creativity, including toddlers in a dedicated LEGO® DUPLO® area, and use some of the 60,000 LEGO® bricks to take inspiration from their own collections to plan and build their own Museum of Treasures. Perfect day out for grandchildren and big kids too! www.thebowesmuseum.org.uk

Sainsbury Centre of Visual Arts, University of East Anglia, Norwich 3 August – 15 December

Magdalene Odundo OBE is one of the world’s most esteemed artists working in the field of ceramics. This major exhibition brings together more than 50 of Odundo’s works. They will be shown alongside a large selection of objects chosen by Odundo from across the globe and spanning over 3,000 years, to reveal the rich and diverse range of objects and making traditions that have informed the development of her own work. Also on show at the The Sainsbury Centre is Transition II, Odundo’s largest work, made up of 1,001 individual suspended Magdalene Odundo, Untitled, 1989. © Magdalene Odundo. glass pieces, presented in a sweeping crescendo, suggesting Private collection, courtesy Anthony Slayter-Ralp. Photo: Bill Dewey flowing water or a murmuration of starlings. Odundo made this work during a residency at the National Glass Centre in 2014 in collaboration with glassblower James Maskrey. www.scva.ac.uk

ENJOY A DAY OUT BY STEAM Magnificent steam locomotives, splendid scenery and super destinations combine to make a great day out with The Railway Touring Company.

Nostalgic steam Enjoy the excitement of steam during nostalgic journeys in the company of some of Britain’s finest preserved steam locomotives, including sleek A4 Pacific 60009 Union of South Africa, magnificent 46233 Duchess of Sutherland and beautiful 6201 Princess Elizabeth. Reliving the Golden Age of rail travelling by steam train you can explore fascinating historic cities, such as York, Worcester and Chester, or visit favourite seaside resorts, including Weymouth, Bournemouth and Minehead.

Dramatic routes Dramatic routes include the famous Settle & Carlisle Line, featuring the iconic Ribblehead Viaduct and Three Peaks views. For stunning sea views steam along the North Wales Coast to Bangor or Holyhead, race along the sea’s edge near Dawlish, enjoy a steam run beside the Bristol Channel coast or head for the Dorset Coast for stunning cliff top views of Poole Harbour. Sitting back and relaxing in your reserved seat watching as the scenery unfolds, you can enjoy refreshments from the buffet car or your own picnic. Alternatively, treat yourself, family or friends to First Class, which includes morning coffee with a muffin and tea with a cake and biscuit in the afternoon.

Special occasion For a very special occasion why not choose the Premier Dining option? At your white linen-covered table you will be served a full English breakfast and, later in the day, a four course dinner. www.railwaytouring.net 01553 661500 RETIREMENT

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Out and About

Excitement builds ahead of the Bowes Museum turning into a Lego® wonderland

Magdalene Odundo: The Journey of Things

An extract from Small Space Style by Sara Emslie, published by Ryland Peters & Small. Photographer Rachel Whiting, images ©Ryland Peters & Small.

A traveller’s tale

A pretty display of similar but slightly different rattan baskets on the wall offers plenty of visual interest without being overly complicated. Mirrors generate reflections and make the most of the available daylight, enhancing the overall sense of space; and a calming mix of soft textures and breezy shades creates a living area that is relaxed and welcoming.

AS KEEN TRAVELLERS, DESIGNERS STEPHANE AND PIERRE OF MAISON HAND RETURN FROM BUYING TRIPS ABROAD WITH HEADS FULL OF VISUAL INSPIRATION AS WELL AS SUITCASES FULL OF PURCHASES. TRAVELLING AROUND THE WORLD AND STAYING IN ALL SORTS OF HOTEL ROOMS ALONG THE WAY, THE COUPLE HAVE DISCOVERED SOME INSPIRING IDEAS FOR BALANCING HARMONIOUS LIVING WITH PRACTICALITY IN SMALL SPACES. The calm, serene and sophisticated ethnic décor of this light, bright apartment is very much a style anthology of the best features of some of those hotel rooms. It is also a fusion of the couple’s original design intentions, which hark back to their first business in home decoration – an interiors boutique called Hand, also based in Lyon – that specialized in combining handmade one-off items with a charming global mix sourced from all over. When the pair set themselves a design brief for this apartment, they drew on their elegant yet ethnic aesthetic and a sense of being abroad. They also wanted RETIREMENT

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to achieve a feeling of relaxation and wellbeing, despite the apartment’s restrictions in size. So two armchairs were brought back from China, the baskets on the wall from a trip to Burma, the oversized lamps are from Indonesia and the carpet from Morocco. There are many influences present in this small space, yet they work wonderfully well together, thanks to the similar textures provided by the natural wood and the rustic bamboo and rattan, offset by the calming soft white shade chosen for the walls. It’s a tried-and-tested palette of colours and materials that Stéphane and Pierre have applied to several of Maison Hand’s interior decorating projects, and which works particularly well in such a small space. The subtle greyish-

green off-white paint used on the walls offers an ethereal sense of space, but also a feeling of warmth as it is nicely ‘lifted’ and thrown into contrast by the pure white-painted floor. The sense of spaciousness also owes much to the large mirror placed in the corner at floor level, which provides a highly effective and much-needed visual expansion of the living space, and the accompanying mirrored cubes with low-level table lamps. More elaborate details include the decorative gilt mirrors above the bed and the woven wicker baskets on the wall of the living area. Both are perfect examples of how to create a display in a small interior by grouping a few similar objects together to provide visual interest but without fuss or clutter. Yet this small space has more to offer than what is on the walls. A compact shower room and small fitted kitchen allow for more space to be allocated to the key design component of this studio space: the raised bedroom area with built-in closet. This is screened off by large partition windows that provide privacy at night time and connectivity to the rest of the space during the day. Just three steps separate the two levels, but they divide the apartment into a clearly defined living area and a sleeping space to retreat to in the evening. The raised bedroom also cleverly accommodates a built-in closet that occupies the area above the kitchen cupboards, thereby utilizing what would otherwise be redundant space. Likewise, the washing machine is tucked beneath the sleeping area and accessed by a little door. The pair have used some classic small-space solutions to great effect and, by combining these with their own inimitable style, have

Storage solutions don’t have to be complicated. For example, a capacious Kilner jar makes a sweet alternative to a cutlery/flatware tray.

Compact and contained indeed: although this kitchen is very small, it includes all the essentials for preparing and cooking food. A simple hanging rail is the perfect solution for storing utensils, as well as making a lovely display feature

Interesting decorative pieces sourced by the couple during their travels abroad give the small apartment a touch of global grandeur. Mixing quirky, one-off finds with functional pieces adds personality and style to any compact space.

A traveller’s tale

created an intimate yet attractive and sophisticated space. A vintage cupboard has been given a rough coat of paint and offers a wonderful visual contrast to the clean uniformity of the fitted kitchen cabinets, and provides additional space for crockery, cutlery/flatware and other kitchen essentials. In the dining area, the panelling on the wall, painted the same shade, quietly but convincingly defines the dining area from the rest of the open-plan living space, with the individual panels acting like empty picture frames and providing additional visual interest without the need for a great deal of artwork. The oversized ceiling lamps and imposing wooden Chinese armchairs are a play on scale and proportion when teamed with other pieces in the apartment of a more regular size. Similar tiling has been used to marry together two tiny spaces – the shower room and the kitchen – that sit closely together. And repetition abounds, but subliminally so: the graphic framing of the black grout on the white tiles has been picked up and echoed in other details such as the pattern on the rug, the pictures on the walls and the black trim on the shades of the floor lamps and even on the curtains and hooks and poles in the closet. Subtle and simple ideas these may be, but they are also surprisingly effective n RETIREMENT

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ups and downs that the markets will inevitably bring. Remember, once a market has fallen, the stock it contains is ‘on sale’. Equally when markets are at an all-time high, it could be overpriced (although markets will always continue to increase in value over the long term). But there is a big difference between ‘saving’ and ‘investing’. Investing is for the long term. It is money you can put away for your retirement, and in the long run it should grow more rapidly than in a savings account. If you are saving for a shorter-term goal, perhaps in less than five years, then you are looking to get the most interest paid on your money. Martin Gorvett provides more valuable insights and tips: 1. Buy what is right for you and don’t believe everything you read or hear. Just because an investment works well for someone else doesn’t necessarily mean it will be right for you. Social media promotions can be misleading. Ensure that the investment provider is regulated by the FCA; you don’t have to wander off the beaten track just to avoid the herd. 2. Diversify and don’t put all your

eggs in one basket. Consider spreading your risk by diversifying across a mixture of asset classes, industry sectors and geographical areas. When the value of one asset is falling, another might be rising so could help to compensate. 3. Invest for the long term. Adopt a strategy and stick with it. Investing is not a matter of ‘timing the market’, it is about ‘time in the market’. Similarly, try not to get emotionally attached to your investments. Review and rebalance your portfolio regularly to ensure you have not strayed from the original strategy. 4. Take professional advice. Investing is not free. Every avenue to market has a cost. Professional advisers will have a tried-andtested process, often accessing institutional prices, rather than retail classes available to direct investors. 5. Lastly, don’t risk investing money that you cannot afford to lose. Investments carry a huge caveat – you may get out less than you put in. So don’t overstretch, stick within your means and know when to walk away.

oney in savings and deposit accounts at banks has been earning minimal interest in recent years (maybe 1 per cent) and the value of funds held in banks is being eroded by inflation, which has been hovering around 2 per cent to 3 per cent. This has caused real pain to many who have led thrifty lives and saved for old age in traditional bank accounts. Savings play a critical role in the way that the whole economy works so we have seen positive government intervention in the increase in the Individual Savings Account (ISA) annual limit to £20,000. This allows savers to protect part of their wealth from Income Tax and Capital Gains Tax. Between a couple and over several years that can equate to a powerful tax-free fund that can help in retirement.The first £1,000 (£500 for higher-rate taxpayers) of interest and the first £2,000 in dividends (2018/19) will not be subject to Income Tax on your self-assessment return – another useful tax-planning tool. Successful investing has never been easy, but for those who are interested in saving and investing for retirement, and for the long term, the principles remain the same. Martin Gorvett, Chartered Financial Planner of Lavender Financial Planners Ltd, explains the golden rules: Keep the costs down; shelter as much money from the tax office as you can; buy assets when they are cheap and sell when they are expensive (albeit that few people have the financial knowledge or crystal ball to really make a success of this but the motto, generally, is worth remembering). To be a successful investor you have to be disciplined.You need to decide on a strategy, allocate your money to your investment accordingly, then stick with that through the

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Savings as part of your retirement planning

• Profits on your home: if you sell it and downsize or relocate to less expensive accommodation. Provided this is your main home, there is no Capital Gains Tax to pay. • Redundancy money, golden handshake or other farewell gift from your employer: currently you are allowed £30,000 redundancy money free of tax. • Sale of SAYE and other share option schemes: the tax rules vary according to the type of scheme and the rules are liable to change with each Budget statement. • Inheritance or a big lottery/ premium bond win: selfexplanatory! n

Since everyone has different financial aims, there is no ‘one-size-fits-all’ a pproach to investing. In very simple terms, there are four different types of investment you could consider:

Savings as part of your retirement planning

1. Cash investments. Made into a bank account or cash ISA. These are generally short term and offer easy access to your money and lower risk, so the potential returns are much less than other types of investment. Your money is secure up to £85,000 (covered under the FSCS limits) but it could lose value due to tax on interest and if inflation rates exceed interest rates.

2. Bonds and gilts. Effectively, an IOU from the government or big companies. When you buy one you are lending money that earns an agreed fixed rate of interest. Government bonds (called gilts) are backed by the state and hopefully are as good as guaranteed. Corporate bonds carry greater risk in the event that the issuing company goes bust or cannot afford to repay you, but because of this element of risk they offer the possibility of improved returns. 3. Investing in property. Directly as a buy-to-let investor or as a furnished holiday-let investor or indirectly through certain investment funds. Property prices go down as well as up, and it can take time to sell property and get your cash back. Don’t do anything without reading Successful Property Letting: How to make money in buy-to-let, by David Lawrenson (2017). 4. Shares. Sometimes referred to as ‘equities’, this basically means putting money on the stock market.You can do this by buying shares in individual companies or by investing through a professionally managed investment fund, such as a unit trust. As a rule of thumb, some investors keep an emergency fund equal to at least three months’ living costs. Once this sum is set aside you could consider investing for higher-potential returns. RETIREMENT

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Sources of investable funds

These are the sorts of places you usually find funds to invest: • Long-term savings built up out of excess income over expenditure. • Commuted lump sum/25 per cent tax free from your pension: one-quarter of your pension can be taken as a tax-free lump sum. The remainder will then be paid out subject to the ordinary rates f Income Tax. • Insurance policies (such as endowment policies): designed to mature on or near your date of retirement. These are normally tax free.

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Key is an Equity Release broker whose usual advice fee is 1.99% of the amount released, subject to a minimum of £1,499 payable only on completion. Over-55 homeowners only. *If you’ve already had equity release quotes from advisers or providers, arrange a consultation, give us the same criteria and we’ll beat or match their rate or we’ll give you £500. Our challenge only applies when you’ve had a consultation with Key, and to Equity Release Council approved plans available at the time of your recommendation from Key. You should seek independent advice from a reputable expert equity release adviser.

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Experience the Estonian harvest

Estonia has the most edible plants per square kilometre in Northern Europe and what better way to spend the summer than to experience the iconic Estonian harvest. Visitors can pluck vegetables and herbs from gardens, catch wild sea trout off the coast of northern islands, or trek into the forest in search of seasonal lingonberries, blueberries, mushrooms and dandelions. At the Tamme Farm, near Pärnu, learn about all things alternative agriculture including herbs, vegetables and decorative plants for cooking. Alternatively, head to Soomaa National Park and pick produce in the berry and mushroom forests, accompanied by a local Soomaa guide. As well as seasonal fruit and vegetables, Rye bread is a common staple in the Estonian kitchen. The Avinurme Handicrafts Centre also offers many different workshops, including bread baking and chipwood basket weaving.

’Heat up the sauna’ in a summer cottage

Photos courtesy of Visit Estonia

Prangli Island

Uncover Estonia’s hidden gems

Home to more than 2,000 islands (most of which are just a short ferry ride away), Estonia has a unique island culture which has shaped the nation’s history. As the largest of Estonia’s islands, Saaremaa is famous for its unique spa experiences, scenic hikes, juniper trees and fascinating history. Saaremaa’s capital, Kuressaare has a longstanding history as a resort town, with the highest number of spas per capita in the world (one spa per every ten inhabitants). The Georg Ots Spa Hotel in Kuressaare uses juniper berries in its body peels to extract toxins and offers authentic Estonian ‘whisking’, an exfoliation technique with birch twigs. Alternatively, Toila Spa uses Leiger curative mud collected from the island of Hiiumaa and offers mud wraps and massages with curative mud cream. Muhu, lying between Estonia’s west coast and Saaremaa, is known for its

The go-to phrase in summer in Estonia tends to be "panen sauna kütte" ("I'll heat up the sauna") and experiencing a traditional Estonian smoked sauna in a summer cottage is a must. At Mooska Farm in Võru County, travellers can try this ancient Estonian heritage for themselves. A traditional

sauna session lasts at least three hours and the smoke sauna of Mooska Farm can comfortably accommodate eight people. The rich aroma of burning wood is complemented by a whispered note of the meat smoked in the sauna, plus birch boughs and sauna honey. For an additional fee, receive a juniper bough, towels, a sauna hat, a bathrobe and home-made beer. Alternatively, the Lammasmäe Holiday Centre now has the world’s only peat sauna, located on the Kunda River. Visitors have to walk along floating pontoons covered with peat tiles to get to the unusual sauna, where they will discover bog plants growing on the walls and seats made from turf piles.

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Everything under the sun in Estonia

he season of ‘White Nights’ in Estonia welcomes in the long summer months of glorious Estonian sunshine and offers everything from wilderness walks and magical music to foodie excursions and wildlife tours. Whether travellers are looking for a road-trip, a beach holiday, island hopping, bustling cities, cultural richness or a world-class foodie scene Estonia has something for everyone this summer.

Kuressaare Episcopal Castle in Saaremaa

Peipsi Lake

Everything under the sun in Estonia

colourful doors, bright traditional costumes as well as its intricate handicrafts. Explore the Muhu Museum to get a taste of Estonian culture and traditions, admire the Eemu Windmill or hike the Uugu area or the Uugu Buff for views of the sea. For those after a truly local captivating experience, Kihnu is home to a community of approximately 700 inhabitants, who value old traditions, dress in folk clothing and believe that singing and dancing is an integral part of life. The cultural heritage of Kihnu – the clothing, language, music and handcrafts are part of the UNESCO Intangible Cultural Heritage List. Experience old traditions like the Day of Kihnu Home Cafes in June, the Kihnu Sea Festival in July and the Kihnu Dance Day in August. Culture lovers are sure to be delighted by home visits, truck car tours and fishing trips offered on the island.

Discover where the wild things are

Soomaa National Park experiences a regular phenomenon of nature called the ‘Fifth Season’ in the summer, whereby the winter snow melts and rain continues to fall as spring approaches, leaving all low-lying forests, roads and even yards flooded. Visitors can canoe or kayak through the forest and along the road and occasionally even right up to the front doors of waterlogged houses. Here tourists can explore a Beaver Trail on a guided canoe tour and discover all sorts of den construction, beaver lodges and dams. Other wildlife can also be spotted on the tour including deer, elk, wild boar, lynx, birds, bears and even wolves. Alternatively, go mushroom picking and follow a local Soomaa tour guide and learn about the various edible and inedible mushrooms. Culture lovers can experience the thrill of walking places that would be otherwise inaccessible on a guided tour with bog shoes (a shoe used by ancient ancestors to navigate the bogs).

Take to the sea

Summer events

From opera on a medieval island to the biggest electronic musicians on the beach, these are the top events in Estonia this summer: - Saaremaa Opera Days (23-27 July): Saaremaa Opera Days take place in the middle of summer in the historical courtyard of Kuressaare Castle and is the most popular opera festival in the Baltic States. An opera house is erected for this occasion, seating up to 2,000 people. This summer, there are two main performers: the Hungarian State Opera and the Shanghai Opera from China. - Vijandi Folk Music Festival

Everything under the sun in Estonia

Packed with regattas, Estonia is a place well worth exploring by boat. Popular day sailing trips in Tallinn include the islands of Aegna, Naissaar and Prangli, which can be combined with a visit to the Maritime Museum at the Seaplane Harbour in Tallinn. Estonia’s summer capital Pärnu is one of

Estonian black bread

the most popular sailing destinations in West Estonia with its famous sandy beaches and small islands: Kihnu and Ruhnu. North of Estonia, sailors will find the resort town Haapsalu, where they can make a brief crossing over to Hiiumaa and Saaremaa islands. For a celebration, take a historical voyage on the schooner Hoppet, which accommodates up to 50 people and features seven cabins. The voyage showcases concerts on board, sunset and bay voyages and a visit to Abruka Island.

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Estonian Song Festival

(25-28 July): The festival takes place every July in the castle park and centre of Vilkani and has become one of the largest festivals of this kind in the Baltic and Nordic countries. The festival features four days of folk music, Fairy Tale Chambers and a Handicraft Yard and exhibition. - Leigo Lake Music Festival (2-3 August): The Leigo Lake Music Festival uniquely combines nature and music, showcasing classical to rock concerts and culminating in a Leigo-style display of fireworks. - Intsikurmu Music Festival (2-4 August): The Intsikurmu Music Festival takes visitors back into the wild and is held each year in the woods of Põlva County. The festival features a wide-range of music, video installations and international acts. - tARTuFF (13-17 August): tARTuFF is the largest outdoor film festival in the Baltics held in Tartu Old Town and showcases a diverse selection of genre and documentary films in a cosy midsummer atmosphere. - Narva Battle (16-17 August): The Narva Battle has grown into the main event of summer in Narva and brings together military-historical clubs from all over Northern Europe to meet at the courtyard of Narva Castle. n

Find out more: visitestonia.com for official tourist information

For children living in extremeWe have poverty, Helping others with put together a simple leaflet to High Blood Pressure guide you through the process Christmas is just another day. and you can get a copy by Have you thought of Blood Pressure UK in your Will?

telephoning: (020) 7882 6255, visiting the website: Finding out thatlike you have high who packs, range of leaflets and our Children Diana comes from the slums of Mexico. Abandoned by her father to the www.bloodpressureuk.org, blood is traumatic, helpline, we provide reassurance care pressure of distant relatives. There was little money for food or education, her daily concern was or by writing to: Blood Pressure UK, particularly if you are young. and support to sufferers and survival and her young life was spent in constant fear. Until earlier this year when we were able Wolfson Institute, Charterhouse Most people don’t know all of this to their offerfamilies. Diana But a place at the Sisters of Mary school in Chalco, Mexico. Square, London, EC1M 6BQ. anything about the condition work is expensive and while Safe in the care of the Sisters, she now has three meals a day and is learning and worry about how it will membership subscriptions vocational skills to help her find employment. Thriving in her studies, and general donations help affect themselves and those she is growing in confidence and so excited for her first Christmas! around them. enormously, leaving a gift in But Blood Pressure UK is here your Will can help us make The Sisters of Mary provide 20,000 children every year with the chance to help, and with our information a bigger difference. of a proper childhood and the comforts of a home. With your love and It isn’t complicated as you support this Christmas, all these children can experience a little of the think, doesn’t have to be a large festive joy that so many take for granted. amount and will give you the reassurance that our work Will you help uswillgive these children helping fellow sufferers continue once you have gone. something special to look forward Obviously, providing for your friends comesDay? tofamily on and Christmas first, but once that To support our Christmas appeal is doneplease please visit consider a www.worldvillages.org.uk , call us Pressure on 020UK 7629 3050 gift to Blood or write to us at World Villages for Children, Sackville House, in your Will. the blood pressure charity 40 Piccadilly, London W1J 0DR. A registered charity no. 1058973 Registered Charity Charity NumberNumber 271028. Registered 271028.

‘No parent should lose their child ‘No parent should lose their child down aa hole hole in in the the healthcare healthcare system’ system’ down

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by Sue Sheppard

by Sue DAUGHTER Sheppard CHARLOTTE LOST HER LIFE WHEN SHE WAS JUST 19 YEARS OLD SUE’S SUE’S DAUGHTER CHARLOTTE LOST HER LIFE WHEN SHE WAS JUST 19 YEARS OLD MY DAUGHTER Charlotte was for therapy was so long that for so get longanthat MY DAUGHTER was shetherapy couldn’twas even a real characterCharlotte and so bright. Find out couldn’t even getonan22nd a real character and so bright. she appointment. Sadly Find She started self-harming at 13, appointment. Sadly 22nd how out you February 2009, she on self-harmed She self-harming at 13, but itstarted took five years for her to how you February 2009, she self-harmed but it took five years for her to can remember and lost her life. be diagnosed with Borderline

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Rethink Mental Mental Rethink Illness in in your your Illness will will

be diagnosed with Borderline Personality Disorder (BPD). Personality Disorder (BPD). Other than than aa short short spell spell in in aa Other private hospital, hospital, thanks thanks to to my my private limited work benefit, Charlotte limited work benefit, Charlotte had no no help. help. The The waiting waiting list list had

and lost her life. There are so many holes in There are so many holes in the system system and and Charlotte Charlotte fell fell the through all all of of them. them. through After her her death, death, II found found Rethink Rethink After Mental Illness. Illness. They They help help people people Mental

like Charlotte to get the care

like get the theyCharlotte need, buttomuch of care this work they but much of this work reliesneed, on legacies. relies on legacies. Any gift you can give in your Any gift you can give in your Will can make a difference. Will can make a difference. don’t want want another another young young II don’t person to to suffer suffer or or aa parent parent to to person lose their child. Please will you lose their child. Please will you help me me change change the the way way mental mental help illness isis treated? treated? Thank Thank you. you. illness

Leave Leave aa legacy legacy to to change change how how mental mental illness illness is is treated. treated.

If If we we don’t, don’t, who who will? will?

For a free guide, please return this coupon. Simply write ‘For the attention For a free guide, please return this coupon. Simply write ‘For the attention of Dan Walshe, Freepost Rethink London’ on the envelope and it will get of us. DanYou Walshe, Freepost Rethink London’ on the envelope and it will get to don’t need a stamp.

to us. You don’t need a stamp.

Name

Address

Postcode

Rethink Mental Illness will not contact you about anything other than this. Postcode Charlotte Sheppard 1989 – 2009

Charlotte Sheppard 1989 – 2009

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Rethinkus Mental not contact youor about anything other than this. Call on Illness 020will 7840 3032 visit rethink.org/wewill

Call us on 020 7840 3032 or visit rethink.org/wewill

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Traditional vs Electronic Greetings In the online world, does traditional writing still have space?

Electronic messages are great, but they don’t always do the trick

Our method of communication has changed on a huge scale since the development of digital technology. We can now reply to a message instantly, communicate with more than one person at the same time and reply with no words at all by using only emojis or gifs. In the words of Philip Seargeant ‘electronic communication has replaced handwritten communication for a great number of situations, particularly those where speed, reach, cost and flexibility are primary issues.’ However, traditional communication still carries a lot of value, with Philip telling us that, ‘Handwritten communication can feel more personal, more considered and more permanent. And when people still send handwritten communication, it’s when these qualities are more important to them for the particular situation at hand.’ Even though we live in a time where digitalisation

has bedded itself into what feels like most parts of our lives, 77% of the population prefer receiving a traditional greeting card over an electronic message when a special event is coming. Philip explains why this might be: ‘The act of simply sending a card carries a particular message. It tells the receiver you’re thinking of them in times of celebration or difficulty.’ He goes on to say that, ‘Despite the fact that we are living more and more of our lives online, physically interacting with people and meeting face-toface is still a vitally important part of our lives, and greeting cards can be part of this more embodied aspect of communicating with each other.’

What does the future of communications look like? With 1 in 2 people sending cards because it feels more personal and thoughtful than a digital greeting or message, the value of traditional communication looks set to remain as we move forwards in an increasingly digital world. Philip concludes by telling us: ‘My expectation would be that the popularity of greetings cards in particular contexts will continue. The mix of the ritual importance of cards, plus the sense of personal value attached to them seems likely to continue’ n

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Traditional vs Electronic Greetings

e live in a digital era where, from the moment we wake up until the minute we go to bed, we are glued to a screen in one form or another. In fact, it can often seem like traditional habits are something that only a few nostalgic people still practice. Supplier packaging Rajapack has surveyed Britain’s population and collaborated with linguistic expert Philip Seargeant on a study explaining whether traditional cards are still relevant in the digital era. Is this form of writing disappearing or it will remain untouchable?

The importance of making a will

If you die without leaving a will your finances are dealt with under the rules of intestacy. The rules differ slightly between England and Wales, Scotland and Northern Ireland but that should not detract from our key message. An intestacy is basically a great big mess that will take time, money and effort to sort out and even then things will not follow a smooth path. Rules set by the government (the laws of intestacy) will determine who inherits the deceased person’s estate (possessions, property and money). There is no guarantee that the deceased person’s wishes will be carried out or that their estate will go to those they intended. Promises made will count for nothing and may only cause confusion and perhaps upset. Only married or civil partners (actually married at the time of death) and close relatives can inherit under the rules of intestacy. An unmarried partner and stepchildren have no automatic rights. Possessions, including the home, may have to be sold to split the proceeds between the heirs – and if there are no relatives the Crown gets the lot. All is not bleak, as usually a close relative will have the legal right to step in, prove their position and relationship and seek to sort out the estate of the person who has died intestate. To administer someone’s estate you apply to the deceased’s local Probate Office for a ‘Grant of Letters of Administration’. You can ask your solicitor to help you with applying for a grant or you can make a personal application.When you get the grant you become the ‘administrator’ of the estate. The grant provides proof to banks, building societies and other organizations that you RETIREMENT

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have authority to access and distribute funds that were held in the deceased’s name. If IHT is due on the estate, some or all of this must be paid before a grant will be issued.

Top tip

Intestacy is a mess so don’t put your relatives through it. Make a will and use that as an opportunity to revisit your end-of-life plans and the other matters covered in this chapter. Remember the motto of this chapter: ‘Tough discussions and decisions are often not so difficult once the subject is broached.’

Wills

A will is a legal document that sets out a person’s final financial wishes. There are six main reasons why you should make a will if you have not done so already: • The alternative is the mess of intestacy as above. • It means your wishes are known with clarity (after all you will not be around to clarify things!).

• It helps avoid disputes between relatives. Some relatives may not agree and some may still seek to make a claim on your estate, but the fact that you have clarified what you want goes a very long way to preventing disgruntled relatives disputing things. • It can protect assets for future generations. If you are fortunate to have assets that can stay in the family and you wish these to be preserved for future generations the will can be directed to put certain assets or funds into a trust to help preserve them for the benefit of future generations. This may help prevent the next generation blowing the lot and can be useful in large and complex estates or family situations that appear chaotic. • Inheritance Tax. If you leave your estate to your husband, wife or civil partner then no IHT is paid. Anything left to a charity is also exempt from IHT. Armed with some of the information on gifts from Chapter 3 (Tax) you will also see how you could be more tax efficient with more knowledge and advice. • Clarify the funeral that you would like and provide for the costs of the funeral and any after event (catering and venue hire) to be paid from your estate. This allows you to specify what you would like and also anything that you do not want, and removes significant stresses from those left to make the arrangements. Having a will becomes absolutely essential

The importance of making a will

Laws of intestacy

Leave a gift in your Will to Making Space After providing for your loved ones, leaving a gift in your Will to Making Space charity can help us to plan for the future; it can help make sure we are still around for the future and to reach more people with dementia, mental health needs, learning disabilities or the challenges of getting older. At Making Space, we support over 15,000 people each year with unique needs. We pride ourselves on being an adaptable and caring charity making a difference in many peoplesâ&#x20AC;&#x2122; lives. These are uncertain times and we donâ&#x20AC;&#x2122;t know how health and social care services will change in the coming years. None of us know what the future holds for us and we want our charity to be around for many years to come to continue to support people who need our help. www.makingspace.co.uk Bob.Towers@makingspace.co.uk Tel: 01925 581729 Reg Charity No. 512907

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Lower Winstone Farm Wroxall Isle of Wight PO38 3AA

01983 852693 www.iowdonkeysanctuary.org

HELP OUR DONKEYS Isle of Wight Donkey Sanctuary

There will always be old, unwanted, neglected and sometimes abused donkeys in need of a home. Here at the sanctuary we have over 90 such donkeys in our care. Their lives really do depend on us. Large or small a legacy, donation or 'in memoriam' gift will make a big difference and help us to continue our work. Thank you. A Charity registered with the Charity Commission for England & Wales. Charity Number 1159886

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Banks

Some banks offer a will-writing service. Make sure that you can choose your own executor or understand in advance the bank’s charges for acting as executor, as fees can be relatively expensive if banks undertake the executor service.

Professional will-writing specialists

A will-writing service can be cheaper than

using a solicitor, and more reliable than a DIY will. A will-writing service could be a good choice if you understand the basics of how wills work, you wish to pay less than a solicitor would charge, and your estate is not complex. Before you instruct a will-writing service make sure they have professional indemnity insurance, b ecause if they get it wrong there may not be anyone to sue.

Solicitors

donation wishes, etc) but it is not a legally binding document. Particularly where you have created a discretionary trust in your will, a letter of wishes can flesh out the bones of a dry legal document. Typically, where young parents are worried about their children becoming orphans, they wish to say how they would like their children to be educated. A marmite question is often whether you want the trustees to pay for private education out of a trust fund.

The best solution is usually through an appropriately qualified solicitor who will ensure your will is interpreted the way you want and may tease out tricky issues that you may not have anticipated. If you do not have a solicitor, ask friends for a recommendation, or ask Citizens Advice. You should budget for around £200 to £500 plus VAT for this help – more if you have very complex financial affairs. What to include and terminology Your will should explain the main assets you own (your ‘estate’) and indicate your debts (what you owe). This is not an exhaustive list but it will be helpful to detail any homes, significant assets, investments, savings and life policies, their location and the main debts owed (usually mortgages, loans and a listing of credit cards). Jointly owned property should be clarified and remember ‘joint tenants’ will see your share automatically passing to the other joint tenant(s) on death and ‘tenants in common’ means you can leave your share to someone else. ‘Executors’ are the vital people who make sure your will happens as you intended – more on them below. ‘Beneficiaries’ are the people you name to receive something in your will; remember to give their full names and precise relationship to you to make sure they are correctly identified.‘Legacies’ is the name for gifts you make to beneficiaries. A ‘residual beneficiary’ is the person or charity that receives the remainder of your estate once specific gifts have been paid out. ‘A letter of wishes’ can often accompany a will as an annex and can be helpful in avoiding cluttering up a will with a long list of people who are to be given specific assets. It can be useful for clarifying desired funeral arrangements and some health matters (such as do not resuscitate, organ-

Deeds of variation

A deed of variation can be used to change a will up to two years after the date of death where all those affected by the alteration agree to the change. Typically it is used to redirect the stated benefit in a will from, say, a child to, say, a grandchild to keep down the IHT potential on the child’s estate; specialist advice should be obtained from a solicitor on this potentially useful tool. The effect of the deed of variation is to rewrite the will as if the deceased person had made the new and altered instructions in their will n

Top tip

Ask for a quotation for completing the will and the costs of any anticipated extras (for instance lasting powers of attorney – see below). If using a solicitor, check that they are a member of the Law Society’s Wills and Inheritance Quality Scheme and that anyone else entrusted to write your will is a member of the Society of Trust and Estate Practitioners (STEP); this gives you some added protection on the quality, accuracy and potential tax efficiency of your will and associated arrangements. This extract from The Good Retirement Guide edited by Allan Esler Smith is ©2019 and reproduced with permission from Kogan Page Ltd.

Leaving a Legacy to charity can make a vital difference Once you’ve looked after your family and friends, why not think about leaving a gift to a favourite charity that is close to your heart. For many years, gifts in wills have helped charities in all kinds of areas, such as helping vulnerable people, funding medical research, protecting domestic animals and wildlife, and much more. Charities rely heavily on the support of legacies and however much or little. Leaving a legacy in your will remains the most effect way to support your

favourite charity with a gift that can make a vital difference to future generations. No matter how small the legacy it can make a huge difference to a charity in the long term, many of which would struggle to survive or wouldn’t even exist. It doesn’t have to be money either, charities have been left everything from houses to jewellery and even antique ornaments. Also, remember gifts to charities are free from inheritance and capital gain taxes too. RETIREMENT

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The importance of making a will

if you live with an unmarried partner, have divorced, remarried, or need to provide for someone with a disability. You can write your will yourself or with the assistance of do-it-yourself will-writing kits available online or from stationery shops. Both routes can be prone to error and misinterpretation and therefore advice and assistance really should be sought. There are several different types of wills, amongst which are: • a single will relates to an individual; • mirror (or joint) wills are designed for couples who have the same wishes; • a property trust will places the estate into trust for beneficiaries; • a discretionary trust will allows trustees to decide what is best at the time of your death. There is no ‘one size fits all’ answer to deciding which sort of will is best. Specialist advice is essential and researching your circumstances (personal and financial) will reveal what kind of will is right for you. Your will should be stored carefully where the relevant people can find it and needs to be formally witnessed and signed to make it legally valid. If at any time you wish to update your will, this must be done officially, by means of a ‘codicil’. If your circumstances change (divorce, death of a loved one, or new family members) you should review the position and decide if a new will is necessary. Keep with your papers at home a list of your ‘assets’. Where is the treasure buried? By keeping this information up to date you can save your executors hours of work wasted on wild goose chases. Ultimately, those you wish to benefit will get more if your paperwork is accurate.

30-34 New Bridge Street, London, EC4V 6BJ page ad.pdf UK registered Legacy charity no. quarter 208530

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

Will you remember the horses at Redwings Horse Sanctuary? Remember Redwings in your Will and save the lives of hundreds of horses in desperate need for years to come. Call 01508 481030 or email legacies@redwings.co.uk to find out how to leave a legacy today.

Thank you

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If you love horses, remember them!

Please help me get better

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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.

CMY

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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. 34

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Change a little life forever RT94.indd 34

It’s incredible to think you have the potential to transform a child’s life. Leave a gift in your will to Action for Children and you’ll do just that. You’ll bring hope and happiness into the lives of the most vulnerable children in the UK. Find out how a gift in your will can change a child’s life – now and for generations to come. actionforchildren.org.uk/RT legacies@actionforchildren.org.uk 0300 123 2112 Registered charity nos.1097940/ SCO38092. Company no. 4764232. ©Action for Children 2019. AfC 1037

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Gif t

FREE A

OPE N S WE EK

Reg

Charity N E W S Bransby Horses announces their biggest summer activity schedule for 2019

Secure your future and transform theirs

Not every child has the best start in life, but by leaving a gift in your will to Action for Children, you have the potential to transform the lives of the UK’s most vulnerable children, young people and their families. July 2019 marks 150 years since Action for Children’s founder, Thomas Bowman Stephenson opened the first National Children’s Home in London. They have since grown to support over 300,000 children in 550 services across the UK, and their work is as crucial now as it was in 1869. Sue*, witnessed horrendous domestic abuse growing up. “I left a gift in my will to Action for Children because I don’t want other children to experience what I did. They help children come to terms with what they saw, not to feel guilty that they couldn’t stop it, rebuild trust and most importantly, feel safe and loved.” Lincolnshire-based equine charity, Bransby Horses, is planning a fun schedule of summer activities which start on 22nd July. As well as the trails and walks to explore on the site and a chance to meet the horses, donkeys and mules, the charity will also be holding new activities designed to help families get creative, messy, imaginative and close to nature. Entry to Bransby Horses is free with organised activities from free to £5 per person (dependent on activity type). Bransby Horses is open 362 days a year and during the summer is open 9am – 5pm. With more than 400 equines spread across 600 acres and a team of 150 who rescue, rehabilitate and care for each animal, the charity is committed to raising awareness and funds to continue their work. As well as walkways, play areas, animals to see and picnic areas, there is also a café, The Feedroom Café, serving hot and cold food, drinks and a wide selection of cakes. For more information about summer at Bransby Horses, please visit: www.bransbyhorses.co.uk

InDependent Diabetes Trust

The InDependent Diabetes Trust (IDDT) offers support and information to people with diabetes, their families and health professionals on the issues that are important to them. Our Helpline offers a friendly understanding ear when the going gets tough. IDDT supplies a range of FREE Information Packs to people with d iabetes, their families, carers, health professionals and teachers so they understand the needs of people living with diabetes. The Trust also provides much needed aid to children with diabetes in developing countries.

Legacies like Sue’s will help Action for Children to build a brighter future and bring hope and happiness to vulnerable children -now and for generations to come. To find out how to change a little life forever visit actionforchildren.org.uk/gifts-in-wills or call 0300 123 2112 for more information. *Name has been changed.

TAKE A BREAK

with military veteran friends in Weston-super-Mare We all need a break sometimes, a chance to spend time with old friends and to maybe make some new ones. Sharing a common background is a great way to start a new friendship, which is why the Royal Air Forces Association’s hotel, Flowerdown House, in Westonsuper-Mare offers holidays for RAF veterans and their families. We can also support veterans of the Army and Navy too. Manager Nick Rickwood said: “Many of our guests visit us every year, as they love being able to chat about service life. It’s fascinating to listen to everyone’s stories. “We have a number of specially adapted rooms, with care call systems, grab rails and non-slip walk-in wet rooms, so if you need a little bit of extra help, it’s available. We also offer day trips to some of the many attractions in the area, which are particularly popular with single guests.” To find out more about a holiday at Flowerdown House please email Flowerdown. Reception@rafa.org.uk or call 01934 621664.

Charity News

Diabetes can cause serious long-term complications and a cure is still illusive so IDDT funds essential research, as well as-day-to-day advice and support As a registered charity IDDT relies entirely on voluntary donations so if you are thinking about making or reviewing your wil,l a gift to the “Independent Diabetes Trust” would be most gratefully received RETIREMENT

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Charity N E W S

Making Space celebrates 37 years! Making Space is gearing up for their 37th birthday and is determined to be around for another 36 years! Making Space is a national charity which came from humble beginnings and now provides services in the heart of local communities all over the country. The charity specialises in adult health and social care. Staff are passionate about providing quality care and support flexible to the needs of people to give them more control over their lives. They offer:

• Mental health services, including independent hospitals and care homes, whether mild to moderate, complex, challenging or long-term. Working together, where appropriate with family and carers, using innovative tools and treatments to develop a package of care and support that is tailored to each individual's needs and choices. • Dementia-friendly care homes and short and long-term residential accommodation services, with varying levels of support depending on needs and preferences. • Support for carers including advice on everything from finance and welfare to medication and possible side effects and respite. • For older people Making Space has an elite network of residential and nursing services, specialist support centred on helping and encouraging an active independent lifestyle. Community day services, dementia services, floating support and homecare. Visit: www.makingspace.co.uk

The Royal College of Surgeons of England funds the first surgical high dependency unit in eastern Uganda The College have been involved with international surgical work in resource-poor areas for well over 100 years and they continue to expand and increase their impact in several of the neediest parts of the world. Their commitment to establishing timely surgical intervention worldwide to reduce death and disability from operable conditions has never wavered and remains steadfast for 2019. Serving a population of over 4.5 million, Mbale Regional Referral Hospital (RRH) in eastern Uganda had no high dependency unit (HDU) for intensive care following surgery. Adult and paediatric trauma and post-operative patients were cared for together, on one 50-bed ward with only one nurse on duty. Thanks to the generous support their Christmas Appeal received, they raised over £24,000 and the Grand Opening of the HDU took place in spring of this year. It was well attended by local government officials, hospital administration, leading nursing and medical staff and a representative from the ministry of health. The first round of training took place in March and went smoothly with 35 nurses and intern doctors trained in the basics of high dependency care. With the first few nurses assigned and the shelves stocked with all of the essential drugs and sundries, they started things slowly to allow time to manage any early difficulties but the unit started accepting patients at the end of March. Full details of their appeal are on their website www.rcseng.ac.uk/donate

Can you help six-month-old pony Buddy recover from his terrifying ordeal?

Little Buddy was discovered dumped beside a busy road in Norwich but is now receiving all the care he needs from Redwings Horse Sanctuary. Norfolk Police were called to the scene in May after Buddy was spotted straying close to the traffic, putting himself and road users in danger. Due to Redwings’ expertise in horse handling, police officers called upon the charity, whose headquarters are based south of Norwich, for help. Redwings Senior Field Officer Julie Harding arrived and helped to catch Buddy and transport him to the Sanctuary, where he was immediately provided with a cosy stable, food and water. Buddy was very underweight, with overgrown hooves and was suffering from a severe worm burden. He was also extremely nervous. With no owner sadly able to be traced, Norfolk Police have now signed over ownership of Buddy to the Sanctuary where he has been pledged a safe, forever home. Redwings is a registered charity 100% funded by donations. A donation of £10 could fill a stable with warm bedding for a poorly horse, like Buddy, while £250 could fund a month’s care. To help, call 01508 481000 or visit www.redwings.org.uk/donate.

Hedgehog is rescued from netting!

As the busiest wildlife hospital in the world, Tiggywinkles treats countless animals and birds trapped by accidental hazards. One such casualty was a poor hedgehog who had become tangled in sports netting. He had caught all his neck and his little front paws where he had been trying to get free.

Charity News

He was so lucky to have not received any wounds from the ordeal and to have been spotted before dehydration and exhaustion could set in. Tiggys volunteer rescuer was able to cut him free at the scene (and advise that the nets should be tied up when not in use) before taking him in to the hospital for a thorough check up. Thankfully, his condition didn’t develop and he made a quick and full recovery.

Netting is a common problem for wildlife so please, please make sure all netting is either put away at the end of the day or safely tied up when not in use. We would be so grateful if you could pass this message on to your neighbours and local sports clubs, the more people who are aware of the risks, the more wildlife we can save! www.sttiggywinkles.org.uk RETIREMENT

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Community Spirit: How legacies can save lives

We are a UK charity working at the heart of local communities, looking at major issues faced by older people. We found age discrimination; lack of mobility and loneliness had led to a sense of disconnection from the community.

in the Fu Invest

We have reached 1000s of people, but urgently need your help to run more Balanced Lives® programmes. Leaving a legacy to Action For Elders can make a big difference. If we don’t help, many people will suffer from poor quality of life and die much earlier than they should. We found a vibrant community of older people who have the means to help themselves. By giving them the right tools we can create a lasting legacy of happier, longer and fulfilled lives. For information on the Balanced Lives® Legacy Initiative or to DONATE please visit www.actionforelders.org.uk or call 03033 030 132

ture of Later

A gift in your will no matter how large or small can make a huge difference

Our Weekly Balanced Lives Programmes...

can help transform physical, mental and social wellbeing. We empower people to take back control of their health, feel part of a community and to rebuild lives socially.

For more information, or to donate: Project2:Layout 1

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email: info@actionforelders.org.uk

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Life

Registered charity no. 1145996

We were heartened to learn that our Balanced Lives® programmes – as recommended by GPs – were having a very positive impact. We provide gentle exercise, coupled with social interaction in a friendly, supportive environment. In the case of Betty from Hereford, we helped her from over-reliance on a mobility scooter to walking unaided, while Richard in York was able to stand for the first time in six months. This new-found confidence has benefited them both physically and mentally. We are able to treat life-threatening health issues, prevent dangerous falls, tackle low self esteem and anxiety problems.

#think differently about ageing

call us on: 030 330 30132 or visit: www.actionforelders.org.uk

atastrophes Cat Rescue CATASTROPHES CAT RESCUE Action-for-Elders-Ad-legacy-May-19-2.indd 1

09/05/2019 16:43:40

home environment with the freedom of the country es Cat Rescue was set up through our Over the years we in have increasing number of garden that surrounds thecats sanctuary. nt in animal welfare campaigning the helped an and kittens in distress, by taking them into our care and finding s we became established and our “no-kill” Ourtake work cats involves spaying and neutering ame known ourgood workhomes increased for dramatically. them. The cats we inwith haveferal often been rquay Torquay complete colonies and giving any necessary veterinary e cats have been abandoned or are simply abandoned or badly treated, some are simply strays who have treatment. Feral cats are returned to their site of capture a new home because of a change in people’s never had the chance of a proper caring home. if long-term food and shelter can be provided. If not, ces. Some have been ill treated. They are Our aim is to help any cat that is in need and we believe they are relocated to a suitable farm or country home of love and care. or haveof a home life with us with complete freedom that every cat deserves the chance a goodforhome. once they have settled in. s always been to help any cat regardless of rament or behaviour problems, be they wild We do not believe in putting animals to sleep unnecessarily We believe every cat deserves a chance to have a safe, onsequently we tend to 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 their lives. Its surprising how often the most seemingly eet these needs we have had to become a 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 spitting and lashing out, or has the most difficult and n. The cats in our care are given a high 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 cats that are difficult to re-home are Great oice choice • Great facilities • Great facilities support more cats in need will have a bright future. hance to live out their days in 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

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Charity N E W S Casper - post surgery

‘Casper’ finds sanctuary at Catastrophes after being rescued by Twinkle Trust SMALL CHARITIES VALUE YOUR DONATION MORE!

The Isle of Wight Donkey sanctuary is the scenic home to over 94 abandoned and rescued British Donkeys. The charity needs to find £500,000 every year just to survive and provide the accommodation and welfare for its resident donkeys ; many of the animals are on lifelong medicines and they simply wouldn’t be alive today without the sterling work of the staff and volunteers who look after them . In return the donkeys play an amazing community role by taking part in therapy schemes in dementia centres ,with stroke patients ,and by visiting patients in the local Mountbatten Hospice. In addition, the sanctuary is proud of its education scheme, with over 60 primary schools a year learning about the working of the farm and the heritage of the donkeys. However it is getting harder for charities such as this to survive. Charity Manager Derek Needham explained ‘The big charities with their large fundraising teams, their blanket adverts and TV exposure, obtain lots of the available donations. This means that charities such as ours have a real struggle to survive. People who donate to us know that every pound makes a massive difference and their donation will never be forgotten. Perhaps there is a swing away from the big charities and towards those small charities such as ours with a caring ethos, lots of volunteers and a genuine cause. People’s donations stay in Britain, their families can see the animals who are being supported and there is a direct relevance and impact of every pound that is gifted to us. Their gift is personal and individual and is not a faceless part of millions of pounds worth of other donations. The sanctuary survives by donations, by selling adoptions, by people making direct contributions to pay for a donkey’s individual medical treatment or by the purchase of bales of hay. The charity hopes to receive more gifts from wills, as people realise the real difference that their gift can make to an animal’s life-and how that animal can in turn help the fortunes of people with illnesses who are visited by the donkeys. More information on the work of the sanctuary and how to donate to its donkeys can be found at www. iowdonkeysanctuary.org or e mail info@iowdonkeysanctuary.org 46

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Liz Varney runs Catastrophes Cat Rescue, a sanctuary in East Sussex for unwanted cats. Many of the cats in their care have been abandoned, illtreated or simply in need of a new home through no fault of their own. As well as caring for cats in the UK, Liz works closely with ‘Twinkle Trust’, a uk based charity who are dedicated to helping feral or neglected cats in Fuerteventura, getting them neutered and spayed to prevent unwanted kittens, as well as dealing with daily emergencies. Recently, they came across a lovely white cat who was found on the edge of a golf course, living with a group of feral cats. They could see that being a white cat he was very vulnerable to the hot sun and took him straight to the vets for help. His ears had suffered from extreme sun damage and the vet had to operate to remove the outer edges. In addition to this, he had very bad teeth and also a suspected shotgun pellet embedded in his cheek. He was very frightened but with intensive care from Twinkle Trust’s CEO Jenny Billimore and veterinary treatment he started to respond. A wonderful supporter offered to sponsor his flight to England and now ‘Casper’ is blossoming and growing stronger every day in his loving home with Catastrophes. Casper would not have stood a chance if it hadn’t been for the tireless dedication of Jenny. It is a challenge to work in cat rescue in the UK but to take on a hot and often inhospitable environment takes real courage. For further information or to donate visit: www.catstrophescats.org www.twinkletrust.org Casper - recovering at Catastrophes

“It is incredible that I have been so well looked after“ Legacy gifts are vital in helping to support the RAF family. It’s our job to make sure those who have served in the RAF do not feel abandoned when they’re most in need. But we can't do this alone. The generosity of those remembering us in their wills makes this support possible.

To find out how you can help Call 0116 268 8791 Email legacy@rafa.org.uk Visit rafa.org.uk/legacy-today RETIREMENT

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Everyone has one story, bring yours to life.

If you’re dreaming of a beautiful home by the coast or in the country, it’s time to lead a RoyaleLife. You could move in to a quality, brand new, fully furnished, single storey home from the UK’s largest bungalow provider. Our luxury bungalows, exclusively for the over 45s, all have their own garden and parking within a secure, gated community where you can enjoy a relaxed, care-free lifestyle with like-minded neighbours. Plus, with our Home Part Exchange Service we pay 100% market value for your current home, so you could be living the RoyaleLife sooner than you think!

Our Home Part Exchange Service We pay 100% market value for your current home. ● No estate agent fees ● No solicitors’ fees ● No stamp duty Home Part Exchange example: Your home: ..................................................................... £300,000 RoyaleLife bungalow: .......................................... £225,000 Cash for you to enjoy: .............................................£75,000

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