South Gloucestershire Direct Local Magazine December 2018

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SOUTH GLOUCESTERSHIRE MAGAZINE DEC 2018

Inside this festive edition: Creamy Christmas cocktails, Special offer to launch new local service

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This month..

8.

6. Celtic tree astrology December 8. Your garden in December 10. December movie previews 12’. competiton 14. Whats on December 17. Creamy Christmas Cocktails

18. Cought by the pention tax trap 19. Special offer to launch new local service

The team

PUBLISHER / EDITOR Michael Davies PROOF READER Elisabeth Davies DISTRIBUTION LEADER Matthew Clarke ACCOUNTS Lisa Davies

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Advertising sales

Tel: 0117 3258029 Mobile: 0750 0017236 E: info@directlocalonline.com

Regular articles by: Marie Heyward Aaron Potter Mike Davies Miles Kitching

Distribution:

Direct Local South Glos is hand delivered to selected homes and businesses in Patchway, Bradley Stoke, Thornbury, Chipping Sodbury, Yate, and surrounding areas.

17.

Facebook.com/directlocal Twitter.com/directlocalmag

www.directlocalbristol.co.uk Do you have any local news to share? If yes get in touch with us and we will put it in our next edition free just give Mike a call or email info@directlocalonline.com subject to space available.

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Disclaimer

The opinions expressed in Direct Local do not necessarily reflect those of the editor, publisher or their agents. Whilst every reasonable care is taken to ensure the accuracy of information included within this publication, the publisher takes no responsibility for errors or omissions in Direct Local. The content of Direct Local is not to be reproduced in any form without permission of the publisher.

Please pass to a friend, recycle or compost. All adverts designed by Direct Local are the property of Direct Local please contact us if you wish to reprint them in other publications as a small release fee Is applied. Use of adverts designed by us will need written permission first.

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What Does Your Tree Zodiac Sign Reveal About You? January – Tree Rowan It seems something maybe feeling a bit restricted, as though there is too much going on at the moment. There maybe a few things bothering you at the time but try and keep relaxed and get into the festive spirit, time to let go and enjoy yourself.

Keywords. Let go and relax February – Tree Ash It may feel as though your energy levels are not where you would like them to be right now.

Maybe you are taking too much on? Try not to get involved in confrontation or gossip at this time, instead try and help to keep things in harmony and balance around you.

Keywords. Harmony and balance March - Tree Alder Things may seem a little difficult at present and this maybe causing a few problems regarding communication. Your passion for socialising and fun at this time is still quite prominent, although something seems to be holding you back a little, this shouldn’t last too long as there seems to be opportunities for both enjoyment and some practical avenues in your life.

Keyword. Intuition and balance April – Tree Willow It seems you’re feeling a little restless and looking for new things. Try not to be too stuck in your ways and lighten up a little, try to be flexible.If there is something that is making life a bit difficult at present, remember that you have a strong character and can overcome most things.

Keywords flexibility and resilience.

May – Tree Oak This month your vitality levels seem good and you have a new zest for life. It also seems highly likely that romance is well if you don’t have someone at present, it seems likely you will soon.

Keyword. Calm and clearing June – Tree Holly For some reason you may feel you need to be a little on your guard. You have a few things in mind that may bring you some new opportunities. Keyword. Observation and movment

July - Tree Hazel It may be wise to keep some things to yourself at this time. Your intuition would be a good thing to follow, especially in regarding any difficult situations. Work and social life is on the up too.

Keyword. Diligence and faith August – Tree Vine Maybe time to think of taking a step back and reviewing the situation. You may feel you would like to start a new interest or hobby.

In a tricky situation try to be diplomatic. And possibly find a new way of dealing with difficult people or situations.

Keywords New interest and diplomacy.

September – Tree Ivy New projects or study looks very likely for you at the end of this month. It also seems as though some decision needs to be made either at home or at work. Listen to your intuition as its rarely wrong Keyword. Balance and power October – Tree Broom It seems as though your intuition is working at its best so it maybe wise to listening to it.

It seems as though you could be in demand socially, both with family and friends and also work colleagues. Try and avoid difficult situations especially where communication is concerned as it is possible someone may misunderstand something. keyword. Communication and sensitivity November – Tree Elder This month could be quite busy for you but try to remain calm and balanced. Allow yourself time to take a breather here and there. Later this month you may feel the need for some changes, although this maybe met with hold ups, or opposition.

Keywords. Balance and changes December – Tree Birch Although you may have a tendency to keep everything to yourself and take everything on as your responsibility, for a change try and let other people help. You maybe getting restless and feel something is needing to be changed.

You will have a very full and active month and maybe reunited with people you haven’t been in touch with for a long time.

Keywords. Share responsibility

l my readers x

Merry Christmas to al

Want to find out more about what’s in store for you this month ? Contact Marie on: 07949 800354 Disclaimer This zodiac is for entertainment purposes only please do not take the predictions seriously Marie take no responsibility for your actions

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Your Garden In December Frost, rain and winds are increasingly common this month and most of us would probably like to stay inside in the warm with a glass of mulled wine. The beginning of the month will probably be dedicated to decorating the Christmas tree. For many people this is an essential part of their festival traditions and there’s nothing quite like a real Christmas tree to decorate a room and fill the home with that nostalgic seasonal aroma. There are however a few jobs to do in the garden during December, so wrap up warm and enjoy those crisp, dry winter mornings.

Clear leaves

Clear leaves from lawns, patios, borders and ponds.

Not only will this keep the garden looking tidy but it will remove any pests and diseases that are present in the rotting vegetation. Enjoy your garden

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Why should you plant them?

Saracocca is a slow growing plant that can give Protect perennial plants from the worst of the great coverage to any spot in the garden. A vastly winter weather by mulching borders with at least underrated shrub, its commonly known as “Sweet 5cm of bark, compost or manure. Mulching not Box” or “Christmas Box” Its a tough reliable plant only protects roots, and tubers from frost but it also that is really easy to grow making it a perfect plant enriches the soil, which will help to give your plants for winter. a great start next spring.

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p container

Brighten u

Brighten up containers with evergreens and winter flowering plants. Ivy, pansy, viola, cyclamen and shrubs that look great in the winter such as Leucothoe will make an attractive display to cheer up those dark days. Don’t forget to raise patio containers onto feet or bricks to avoid them sitting in the wet.

How should

This plant thrives in the shade, making it idea for shaded border. It wil also grow in sun light but the roots will need to be ketp moist. This plant grows slowly into low growing mounds of evergreen follage making it idea for ground coverage. it can also be put in containers and placed outside the house giving off a rich scent.

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So your baby has been with you 24/7 for the past two years and you are both about to embark on another of life’s milestones, as you prepare to enrol your child into pre-school.

Will they cope without me? Will they mix with other children? Will they like it? What am I going to do?

Can I trust the preschool with the most precious person in my life?.

The answer is yes! The LA childcare preschools, Little Acers and Little Acorns have been going for 21 years.

During this time we have cared for, nurtured and helped educate thousands of children, all completely different and unique. We believe children should love being at preschool, a place where they feel safe, can make friends, be able to express themselves and most importantly have fun. Together we can provide the best start to your child’s education.

• Pack a bag with spare clothes - They are going to get dirty and maybe have the odd toilet accident.

• Drinks bottle – Milk and water is provided but in our experience children prefer a drink bottle that they move around with.

• Appropriate clothing – coat, wellies, sun hat, sun cream and most definitely put them in old clothing.

They are going to get messy!

• Talk to your child’s keyperson – this is the person who is going to bond with your child the most, they will be more than happy to discuss any concerns you might have.

• Prepare yourself that your child may get upset – this is perfectly normal. Our settings are more than happy to go at your child’s pace. If this means only doing half an hour and building up, that’s fine by us.

• Prepare yourself that you may get upset, maybe more than your child. – pack tissues in your pocket for that walk back to the car. Then get home and console yourself with a cup of tea and a biscuit.

Here are some tips to help prepare for your first day at our preschools –

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Movie Previews For December Quite appropriately, December would appear to be the gift that keeps on giving. That’s due to the huge crop of blockbuster releases set to hit cinema screens at your local Cineworld. Whether you’re in the mood for flying English nannies, crawling cities, or underwater superheroes – there’s something for everyone this festive season!

Swinging his way into cinemas for the second time this year after Avengers: Infinity War, December 12th sees the return of not just one Spider-Man, but many, as we step Into the Spiderverse.

Featuring the likes of Miles Morales, Spider-Gwen, and even Peter Porker, all wall-crawlers will need to work together to save a deadly enemy threating the multiverse.

Then it’s a double whammy just two days later, as on December 14th both Peter Jackson’s Mortal Engines and DC’s Aquaman hit the big screen.

The latter of which we previously saw fighting alongside Batman and Superman to save the world, but will he fare as well working alone?

Fast forward a week later and it’s the return of the original magical nanny, as Mary Poppins Returns to once again guide the Banks children who are now all grown up. And if you’re still left wanting, why not delve into the origins of a certain yellow transformer on December 26th, as Bumblebee takes to the big screen.

Finally, if you have time, Cineworld Yatel and Direct Local Bristol have teamed up to give readers a chance to win two free cinema tickets. Simply fill out the next page word search.

Tis the season to be jolly, and how could you not be with such exciting releases happening at Cineworld this December?

Aaron Potter is a professional writer for Cineworld Bristol and places these articles in Direct Local each month to give you the public a choice of great movies to view at your local cinema.

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Enjoy all these movies and more at

CINEWORLD YATE

Wreck-It Ralph 2:

Mortal Engines

Spider-Man: Into The Spider-Verse

Ralph Breaks The Internet

8 December

12 December

Aquaman

Mary Poppins Returns

Bumblebee

14 December

21 December

26 December

30 November

All films are subject to availability. Please check the website for further information www.cineworld.co.uk

IES V O M D E T I M I L UN .90 A MONTH FROM JUST ÂŁ17

me Want more? Welco

to Unlimited

Minimum 12 month subscription. Exclusions apply. Uplifts payable where applicable. Higher monthly fee for West End cinemas. Full terms available at cineworld.com/terms/unlimited-card.

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like prizes?

like us!

At Direct Local we love social media competitons and regulaly run special movie merchendise competitions courtesy of Cineworld on our Facebook page @directlocal.

This months featured prize is Mortal Engins Merchandise So head over to our Facebook page follow us and get notifications of our latest competitions.

...............................................................................................................

Win movie tickets Crosses Parallel Dimensions Aquaman Underwater Atlanteans Revolt Mysterious Depression Rediscover Father Hundreds Years After Civilization

Cineworld Yate are giving away 2 tickets to any movie of your choice . All you need to do is complete the word search and either scan, take a photo on your smart phone and email it to us at: info@directlocalonline.com or send it in the post via snail mail to the address below with your address.

7 Hopewell Gardens Shirehampton Bristol BS11 0JS Competition Closes 20/12/18 Oct winner : Nicole Smith

All the details of the entrants will be stored for 2 months securely and NOT be shared with any other third parties except for the winner of the competition in which Cineworld Yate or P.W.C will need the details to contact the winner to collect the prize.

Cineworld Yate 11, Link Road Yate Bristol BS37 4AY

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Whats On December!

Adele Tribute at De Vere Tortworth Court Hotel Event Date: 6th Dec Description: Tickets priced at only £35 per person. For bedrooms all guests can enjoy 20% off our best available rate, when attending a party night, please quote FUN20 when booking.

Venue: De Vere Tortworth Court Hotel Tortworth Wotton-under-Edge South Gloucestershire

Take That Tribute at De Vere Tortworth Court Hotel Event Date: 13th Dec Description: Tickets priced at only £35 per person. For bedrooms all guests can enjoy 20% off our best available rate, when attending a party night, please quote FUN20 when booking.

Venue: De Vere Tortworth Court Hotel Tortworth Wotton-under-Edge South Gloucestershire

Christmas Jumper Golf Day The Bristol Event Date: 20th Dec Description: Tis the season to be jolly, so get involved with one of our Christmas jumper golf days! Bit of fun for the festive season, anyone interested book now!

Venue: The Bristol Golf Club St. Swithins Park, Blackhorse Hill Almondsbury, Bristol

Christmas Eve Disco - The Huntsman Generous George Christmas Cracker at ThornDownend bury Golf Club Event Date: 24th Dec Event Date: 14th Dec Description: Stay local and join Description: £19.99, which us for the return of our family includes:Coffee & bacon roll on Christmas Eve Disco. arrival18 holes fun Venue: The Huntsman Pub Stableford competition Roast Generous George Westerleigh turkey baguette Call Nathan on Road Downend Bristol 01454 281144 to book. www. thornburygc.co.uk/news-events New Year’s Eve with 13-piece veenue: Thornbury Golf Course Blues Brothers band!

MINGLES OVER 30’s DANCE Bristol Road, Thornbury, BS35 Event Date: 31st Dec PARTY at The BAWA Club, 3XL Description: New Year’s Eve at Bristol Chipping Sodbury Town Hall Event Date: 7th Dec Christmas Party Night is back!

Description: FIRST Friday of Alvaston Hotel Venue: Chipping Sodbury Town Every MONTH….. It’s The Ideal Event Date: 1st - 21st Dec Hall Night Out For The 30 * 40 * 50 Description: available every * 60 Age Range. Come And Friday and Saturday from 1st Psychic Sally - Close Dance Amongst A Friendly December. Relax and enjoy encounters Lively Crowd.

Christmas at Alveston House Event Date: 4th Jan - 5th Jan Venue: BAWA, 589 Southmead Hotel. Our Christmas menus Description: World renowned Road Filton Bristol are bursting with flavour and psychic, television and theatre use the freshest ingredients star, and the UK’s best-loved, Xmas Party Options MJ’s Live from Bristol and the South award-winning medium Sally Music - Britney Spears Tribute West. Call us today on 01454 Morgan is back and makes her Event Date: 7th Dec 415050 to find out more. debut visit to Chipping SodDescription: If you’re looking to Venue Alvaston Hotel bury Town Hall. hold your Xmas party for work, Venue: Chipping Sodbury Town friends or family then why not Carols in the Barn Hall join us as VIPs on one of our Event Date: 15th Dec 16th Dec great entertainment nights in Description: Christmas drama December? and carols in the amazing meVenue: MJ’s Live Music Venue dieval barn.

87 Regent Street, Kingswood, Venue: Winterbourne Medieval Bristol Barn, Church Lane, Winterbourne, Bristol Celebrate Christmas Under Concorde Event Date: 6th Dec Description: Make this festive season a truly unique experience and celebrate Christmas with your colleagues and friends under the wings of Concorde.

Venue: Aerospace Bristol Hayes Way Patchway Bristol

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Creamy Christmas Cocktails

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Pour into martini glass and decorate with a cherry.

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Caught by the pension tax trap?

Those looking to cash in part, or all, of their personal pension need to check they don’t pay too much tax.

Pension freedom rules allow anyone aged 55 or over to access their personal pension funds, there are complex rules on how withdrawals are taxed.

Problems can occur if you take a one-off lump sum – an ‘uncrystallised fund pension lump sum withdrawal’ (UFPLS) – perhaps to reinvest or to pay off debts. This differs from using a personal pension to provide a regular income, through a drawdown plan or annuity.

Your pension provider will apply an emergency tax code, which assumes you are withdrawing the UFPLS on a monthly basis, unless it has an up-to date tax code for you.

For example, if you take a UFPLS of £10,000 at the start of the tax year, HMRC may assume you will take an income of £120,000 across the year from your pension and tax you accordingly. If it is a one-off withdrawal, you are likely to pay too much tax.

Your Pension Review Our professional advice service includes: 4 Explain your pension options in plain English 4 Reviewing your existing pension plans in line with your needs and objectives 4 Managing your pension funds within your attitude to risk.

4 Ongoing professional pension advice

For an initial no obligation chat call: 0117 9596503 Email: enquiries@bristolandwestfs.co.uk Bristol & West Financial Services Ltd is an appointed representative of Sandringham Financial Partners Limited, authorised and regulated by the Financial Conduct Authority.

Registration number 581304. Registered Office: 5th Floor, 30 Market Street, Huddersfield, West Yorkshire, HD1 2HG. Registered in England and Wales No: 08022795. VAT Registered:153 0427 42

Avoiding the charge As emergency tax codes are generally only applied the first-time people access their pension funds, one option is to make your first withdrawal a nominal amount, say £100.

The emergency tax code is still applied, but this triggers HMRC to adjust your tax code and send an updated version to your pension provider. Once the new code has been issued, any further, larger withdrawals are taxed correctly.

You may be able to claim a rebate, either through your tax return at the end of the tax year, or HMRC if you need the rebate more quickly. If you are planning to withdraw a lump sum from your pension contact Bristol & West financial services.

The Financial Conduct Authority does not regulate tax advice. Levels and bases of taxation and tax reliefs are subject to change and their value depends on individual circumstances.

Tax laws can change.

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Special offer to launch new local service

Goodwills Bristol & West, which has assisted many local people with Wills, Trusts and Lasting Powers of Attorney has launched a new service with a new regular advert in the “Direct Local” magazines. The new service provides help, advice and information on a wide range of prepaid and pay monthly funeral plans.

Funds are kept secure in an independent trust and all plans offered are from a well established and trusted providers.”

To mark the launch of this service, readers of the Direct Local magazines who take out a funeral plan and present a copy of the new Goodwills Bristol & West local advert will receive £50.00 worth of gift vouchers of their choice for shops or restaurants (details available on request).

Mark & Don of Goodwills Bristol & West said: “This means we can now offer a more complete service to local people. A prepaid funeral plan, like a Will or Lasting Power of Attorney, gives peace of mind and helps protect a person’s assets.

Most people opt for a prepaid funeral plan to save money and take away the financial and emotional burden from family at a time when they are least able to cope with it” “There are a wide range of plan options and different payment methods such as a single advance payment or affordable monthly payments.

Appointments can be booked by calling Mark or Don on 0117 379 0121 or contact them by email at enquiries@goodwillsbristolwest.co.uk or via the website www.goodwillsbristolwest.co.uk All legal work is carried out by Goodwills Legal Services Ltd, a professional and regulated law firm

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Make or update your Will Home visit From your local goodwills consultant

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Price includes individual consultation and your will being professionally produced by Goodwills legal Services ltd, a regulated law firm.

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