The Queens Park & Talbot Woods Directory - April/May 2015

April/May 2015

In this issue...

Local businesses Local News

- Festival of Cricket - Dorset Police: Stop Phone Fraud

Prize Wordsearch - Win a bottle of champagne

Regular Features - The Adventures of Nellie

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Introduction

4

The Bournemouth Directory Series - Queens Park & Talbot Woods Edition Edition 49

Published by:

Stephen & Debbie Corney at Dorset Directories Ltd

Telephone:

01202 894397

Email: info@thebournemouthdirectory.co.uk

Copy deadline for the May 2015 edition: 20th April 2015

Disclaimer: Whilst every care has been taken to ensure that data in this publication is accurate, the publisher cannot accept any liability to any party to loss or damage caused by errors or omissions resulting from negligence, accident or any other cause.

Dorset Directories Ltd does not officially endorse any advertising material included within the publication. No part of this publication may be reproduced, stored in any retrieval systems or transmitted in any form, without prior permission of the publisher.

Dear Queens Park& Talbot Woods Residents, What a wonderful time of year this is. I love those bright coloured spring flowers especially the daffodils and tulips. It is a great time to make plans for the rest of the year, sort the garden out, spring clean the house, and generally look forward to a good summer.

The Queens Park & Talbot Woods Directory, part of The Bournemouth Directory Series, has a lot of local trades people and services that could make your life a little easier and do some of the work for you. They would love to hear from you, so please mention the “Queens Park & Talbot Woods Directory” when making any calls or enquiries. Stephen and I really appreciate this and I know the advertisers definitely do!

This month we have gardeners, electricians, builders, dentists, pet services, estate agents, hot tub hire, stair parts, domestic cleaners, blinds and shutters, bed stores, motorcycle clothing, bike parts and much more! Please use the index at the back for the full array of categories.

We also have our regular “Nellie” feature. This month she took us on a Murder Mystery Tour! What fun we had and we will certainly be doing more of those. You can read all about it on pages 28 and 29. There are other articles too including the Bournemouth Relay for Life, there is a festival of cricket at Dean Park, the Merton Table Tennis Club has room for new members and the Hadland Foundation are having a Pirate Day! Don’t forget to fill in your wordsearches. The VERY lucky winner from the hundreds of returned wordsearches that we received for the piece of garden furniture made by Reformed Plastics is... Maxine Almond! Well done to you.

Wishing you all a fabulous Easter,

Debbie & Stephen Corney

Useful Numbers Local Police Bournemouth Airport Central Library Emergency Electric

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Royal B’mouth Hosp Bournemouth Council Sembcorp Water Emergency Gas

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Lettings / Rentals – 01202 756911 Lilliput Sales – 01202 709888 Westbourne Sales – 01202 757555

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Community News

Festival of Cricket: 1-4 May at Dean Park As the national side struggle to hit their stride in the Cricket World Cup, England’s Ladies are more than holding their own in New Zealand and cricket is once again looming large in the public imagination.

And with thoughts turning to balmy days of summer, Bournemouth’s Dean Park Cricket Ground is proud to announce the town’s very first Festival of Cricket.

The four-day event will run over the May Day Bank Holiday as the first part of a summer of celebration as Dean Park marks its 135th anniversary with a renewed sense of purpose.

In a busy programme of events, the highlight of the Festival of Cricket is undoubtedly the return of Hampshire Cricket Club to its spiritual home.

In what will be the first match of captain Jimmy Adams’ benefit year a full-strength Hampshire side begin their T20 preparations by taking on Dorset at Dean Park on Monday 4 May. Left-handed batsman Jimmy made his country cricket debut with Dorset in 1998 at Dean Park and is thrilled to be returning to the historic ground.

“I remember it well,” says Jimmy. “Marcus Trescothick flayed us everywhere! My coach at school was the current Dorset coach Alan Willows and he got me involved again for a couple of games 10 years later.

“Dean Park has a wonderful history and association with Hampshire and it will be great to finally get back on the pitch there after a number of weather-affected years!

“It will be nice to be back and I hope it’s a good day out for all.”

With organisers expecting the festival to attract some 5,000 spectators over the weekend, the festival opens on Friday, May 1 when a special Mayor’s Select XI will take on Dorset Ladies and their guests. On Saturday, last year’s Dorset League runners up, Parley CC entertain Wimborne & Colehill; and on Sunday, May 3 last season’s Unicorns Knockout Trophy winners Devon face the home side, Dorset.

As well as the cricket Dean Park will host a local food and drink festival with more than 20 locally sourced real ales and ciders and a menu that showcases the finest fare from local producers.

Dean Park has a rich history and is something of a ‘lost treasure’ of Victorian Bournemouth. It has been home

to Dorset County Cricket Club since it was founded in 1896 and was frequently used by Hampshire County Cricket Club, hosting 343 first class matches between 1897 and 1992.

Arguably the greatest cricketer of all time Prince Ranjitsinhji honed his raw talents at Dean Park in 1890. Working with England cricketer Tom Hayward among others, he did well enough to convince himself he might find success as a cricketer.

Not only did Dean Park twice entertain the Australian national side on tour in the early 20th century, the legendary Victorian cricketer WG Grace, dubbed the Father of Cricket, supported an earlier attempt to stage a festival of cricket and made the first of many appearances at Dean Park in 1903.

Prince Phillip captained the Duke of Edinburgh’s XI to a thrilling one-wicket victor over Hampshire at Dean Park in 1949. Other notable names to have graced its wicket include Gordon Greenidge, Malcom Marshall, David Gower, Robin Smith and Graham Gooch.

And it’s not just cricket… Bournemouth Rovers played one of Britain’s earliest floodlit football matches at Dean Park in 1875 before making a home at the ground and playing as Bournemouth Dean Park in 1888. A year later they merged with Bournemouth Arabs to become Bournemouth FC before leaving Dean Park the following season. Today, they play in the Wessex League as Poppies.

Later this summer Dean Park will play host to charity matches involving the England fans’ side the Barmy Army, the Lord’s Taverners and the all-star lashings World XI.

Jimmy Adams

7

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10

Capture and preserve your family’s memories

Grab these sound and/or video memories while you can!

Your loved ones have many memories, some you know, some you’d never guess.

We rarely get around to collect family history from our loved ones before it’s lost forever.

I am a former radio journalist well used to gently drawing out people’s memories and capturing them for posterity.

Let me capture memories from you or your family in a non-pressured, confidential way.

What price precious memories? Less than you might think, starting at £145.

Chris Kelly Memories 12 Cavendish Road Bournemouth BH1 1RE

In the

PICTURE

By Gita Joshi, AWAD. www.orsomajor.com

I’m often asked by clients how an artists prices rise and if the art work they are interested will rise in value. The first thing to remember is that art dealers are not financial advisors.

However there are a few sure fire ways that make an artist collectable, raise their profile and in turn their prices, and here we look at three of them.

When an artist has a solo show at a major museum or gallery, it is pretty certain that this will raise their profile as an artist, they will become more known and in turn their prices will rise. This can be the price of new art work released from the studio and available at galleries that represent them, as well as increasing their prices on the resale market such as at auctions.

Looking over an artists CV and seeing where they have previously shown and asking about the plans they have for exhibiting will give you this information. A gallery or art dealer representing the artist will be able to tell you what you need to know so it’s worth asking the question about where they have showed or what they have coming up.

Another way that artists prices generally rise is when a museum – the institutions that are cultural barometers – buy

01202-292960 Family-memories.direct

Collectable Artwork

into an artist.

Once art enters public collections it generally positions the artists as collectable. Having art as part of a museum’s permanent collection means that more people will see it, and the artist is recognized for producing relevant work. If you think about it, wouldn’t you love to own something that also forms part of a museum collection.

Finally, when an artists work forms part of the collection of a major known buyer of art – this can be a high profile art collector, a celebrity or a corporate collection, can also affect the positioning of an artist as collectable. Collectors in this category are also often taste makers. They buy for investment as much as pleasure with the long game in mind.

Asking the gallerist about this can give you the answers you need as it may not always be information in the public domain. So there you have it, three ways to check if the artist you are interested in is an investment. Buying art for investment is a long term strategy, and the best approach to buying art is to start with answering the question, do you love it, and do you want to live with it. After that, any rise in value is a bonus.

11

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Community News

12

HANG UP ON FRAUDSTERS Telephone fraudsters are targeting Dorset residents Cold callers trick people into transferring money to a fake bank account or sending it via courier

Protect yourself from criminals...

NEVER give out your pin number or bank details to ANYONE who calls you, no matter who they claim to be, or where they claim to be from send cash in a taxi or via courier send bank cards anywhere – always keep them with you

@dorsetpolice Op Luna A4 Poster WITH BLEEDS.indd 1

www.dorset.police.uk

facebook.com/dorsetpolice 02/03/2015 14:26:29

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Wildlife News

Talking about Wildlife...

Walk for wildlife this Spring This spring, Dorset Wildlife Trust is asking not just what we can do for wildlife, but what wildlife can do for us.

There are many mental and physical benefits to spending time outside, and for many of us, it is a luxury, and a great way to spend time with the family. That feeling of breathing in fresh air, or the achievement of climbing a hill to take in a stunning view (of which there are plenty of in Dorset), can’t be matched by any computer game or television show.

Statistics also show that we should be aiming to spend at least 30 minutes of good quality time outside, every day. This is a great habit to get children into especially, as the great outdoors still holds so much for them to learn about.

So this Easter if you’re looking for a challenge, something to do with the family outside, and a way to raise money for charity, with some beautiful coastal views along the way, Dorset Wildlife Trust’s (DWT) ‘Walk for Wildlife’ might be just the thing for you.

Walk for Wildlife has been running for over 10 years, and is one of the highlights in DWT’s year. This year, the walks start and finish at Leeson House, near Swanage. There are three to choose from, and for the first time there is a new 2 miles route suitable for families*, and lots of activities are also on offer at the start and finish, including face painting, a puppet show with the ‘Hand to mouth theatre’, and a special prize for the school with the most amount of walkers.

The 6 mile and 13 mile routes both take in the rugged scenery of the Purbeck coastline, with a good chance of seeing puffins, dolphins and gannets out at sea, whilst the coastal path should provide opportunities to spot peregrine falcons and ravens, as we as newly arrive migrants such as wheatear and swallows.

We are also asking those taking part to raise some money for Dorset Wildlife Trust through sponsorship – this is a great way for us to continue helping wildlife in Dorset, and for participants to feel they are giving something back to wildlife, whilst burning some calories at the same time!

For more information, and to book online, visit www.dorsetwildlifetrust.org.uk/ walkforwildlife, or phone 01305 264620.

*Please note that none of the routes are suitable for pushchairs

By Sally Welbourn

Walking the Jurassic Coast Photo: Dorset Wildlife Trust

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Community News

Bournemouth University students running a Pirate Adventure afternoon for the Hadland Foundation Paul Reade from the Hadland Foundation says “We are very pleased that Chloe and her team have chosen to put on this fun event for us. We are a small charity and having an event organised by the students for the Foundation is a great help. I will be at the Adventure Day, suitably dressed up as a Pirate and really hope that many local families come down to support the students and enjoy a free, fun afternoon.”

Five events students from Bournemouth University have organised a Pirate Adventure Day for the Hadland Foundation, a local charity that provides help to ‘families in need’.

The Pirate Adventure Day is one of a number of events that groups of Bournemouth University students will be organising for charities over the next six weeks.

The Pirate Adventure Day will be held on Saturday 25th April at 2.3pm – 5.30pm at the Stourvale Centre, Pokesdown.

More information on the Hadland Foundation can be found on their website: www.hadlandfoundation.co.uk.

Entry to the Fun Day is FREE and is open to all local families. The activities already arranged include cheerleading, a bouncy castle and face painting and there will be much more on the day.

At the Pirate Adventure, the students will also run a raffle and the proceeds from this will go to the Hadland Foundation.

Chloe Downes, one of the students says “We have chosen to run the Pirate Adventure for the Hadland Foundation because they are a charity that helps local families in Bournemouth and Boscombe and this is important to us. We hope to raise awareness of the work of the Hadland Foundation and also some money to help fund their essential work. ”

17

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18

Food & Drink

Naturally good...

Brown butter and beer braised kale with cranberries and pecans

Ingredients for 4 2 bunches of kale 2 tbsp. unsalted butter 120ml beer of your choice 60ml chicken stock 1tbsp reduced sugar dried cranberries (this is optional) 3 tbsp. roasted chopped pecans Sea salt and freshly ground black pepper to taste

I absolutely love kale. It’s packed with flavour and nutrients and it’s incredibly quick and easy to cook.

Braising kale in beer and brown butter gives the finished dish a really nice nutty flavor and the quick method of cooking ensures that the kale retains its vibrant green colour.

1. First prepare the kale by washing it and then cutting out the stem. It is important to cut out the center stem because it can be tough and chewy. Once you have removed the stems, quickly shred the kale by rolling up the leaves into a cylinder and roughly slicing them. Set to one side.

2. In a large frying pan or sauté pan place two tablespoons of butter and cook on a medium heat until starting to turn a light brown colour. At this stage quickly add the beer and chicken stock and turn up the heat to high. Bring to the boil and then add the kale.

3. Cook the kale for approximately 3 minutes until most of the moisture has evaporated and the kale is nicely glazed. Add the chopped pecans and seasoning to taste. Transfer to a serving platter and sprinkle with the dried cranberries.

Chef’s tip: Make sure that the liquid is boiling and the heat is on high before adding the kale, you don’t want to slow cook it because it can lose its vibrant green color if it is stewed for too long.

Ryan Turner, real food and low-carb chef - www.thefoodbible.com

19

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1 Satiny (6) 4 Agricultural (8) 10 Discharge (9) 11 Rounded subdivisions of an organ (5) 12 River deposits (5) 13 Permissible (9) 14 Put in place (7) 16 Anglo-Saxon slave (4) 19 Partly open (4) 21 South African mongoose-like animal (7) 24 Astonished (9) 25 Disrobe (5) 26 Follow up on (2 words) (5) 27 Truce (9) 28 Genetic endowment (8) 29 Lines up (6)

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1 Skid (8) 2 Showing no enthusiasm (8) 3 Poems of heroism (5) 5 A region in northern Israel (7) 6 A weekly gift of money to your children (9) 7 Drink (6)

8 Imbedded (6) 9 Attack (6) 15 Ended a meeting (9) 17 Making a shrill sound (as in bagpipes) (8) 18 Machines used to fasten papers together (8) 20 Glowing (7)

21 Women of reďŹ nement (6) 22 A tomb or shrine (6) 23 Stationary part of a motor (6) 25 A plant used to make rope (5)

w i n n e rs

21

2014 has been another amazing year for NGPS and its customers.

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Community News

22

RELAY FOR LIFE Bournemouth & East Dorset

Relay For Life Bournemouth & East Dorset will exceed £200,000 fundraising milestone as it embarks on its 8th year in Ferndown this July.

Unlike any other Cancer Research UK event, the Bournemouth and East Dorset Relay For Life is for everyone in the community of all ages, background, gender and ability. It is an entirely volunteer-led and funded 24 hour annual event for Cancer Research UK, This year on the 11th / 12th July at Ferndown Leisure Centre.

Our youngest ever participant was just a few months old and our eldest a 90 year old cancer survivor. Other individuals with disabilities have also taken part over the years with the support from their team members to raise money to help bring forward the day when all cancers are cured, meanwhile developing kinder and more effective treatments.

Teams of between 8 to 15 people from all walks of life undertake a wide range of fundraising activities, both big and small throughout the months leading up to the event.

During the Relay itself, team members take it in turns to walk round a track while everyone else enjoys a wide range of entertainment and fun activities on offer. As Relay For Life is non-stop through the night, those team members not on the track, take it in turns to rest, eat, or sleep in their tents.

Every Relay For Life begins with the inspiring Survivors’ Lap of Honour. Cancer survivors walk the first lap, cheered and supported by the community. Together we celebrate life and our joint efforts which mean that together we will beat cancer sooner.

As the evening draws in, everyone gathers to light Candles of Hope and pay tribute to those

whose lives have been affected by cancer. Bags are decorated and lit up by a glowing candle meaning poignant messages of remembrance and celebration line the track to create a moving and unforgettable moment. With the ceremony in their minds the teams return to the Relay candlelit throughout the night.

Karen Lynch volunteer Chairman of Relay For Life in Bournemouth and East Dorset, said: “ Relay For Life is about being part of a community united in the belief that together we are a stronger than cancer and we can make a stand against the disease. It is a unique event with a celebratory atmosphere and everyone who joins in will take away something special.

We would love to hear from anyone who wants to find out more about Relay For Life and how they can take part or help in any way, either in preparation, raising funds, on the day support or sponsorship.

For more information visit: cruk.org/relay or call 08716412602.

Email: r4lbournemouth@gmail.com or call 01202 537624.

We are also on Facebook and Twitter (@RFL_Bournemouth).

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Do you care?

Every one of our carers would answer this with a resounding “Yes!” Well we are looking to expand our team to help more people in the local area. If you are interested in finding out more, then contact the office on 01202 280855.

No prior care experience is necessary as we provide Our services include: on-going training and support. So if you like meeting • Help with washing, dressing and personal care and interacting with people in a very rewarding career, • Companionship please call us. We would be delighted to talk to you.

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LET THE PROFESSIONALS TAKE THE HASSLE OUT OF YOUR Y HOUSEWORK THIS SPRING

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Adventures of Nellie

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The Adventures of Nellie The Dorset Directories Camper Van “Treasury Trails”! What a great idea.

Basically this is a live game of cluedo, and what fun! In Dorset alone there are 57 murder mystery walks. The website to find these fantastic walks is www. treasuretrails.co.uk. which tells us… “A Treasure Trail is an imaginative way to explore towns, cities & villages across the UK with a self-guided themed walk.

An easy to follow route will enable you to crack the clues whilst taking in some of the most fascinating sights along the way.” There are themed walks in Bournemouth, Poole, Corfe Castle, Dorchester, Christchurch, Wareham, Sandbanks, Sherborne, Piddle Village, practically anywhere you may wish to visit… and explore with a purpose to find “who did it” and “with what”?

The answers are ficticious and are not based on actual events, nor fortunately are there any real bodies or deadly truncheons lying around. It is all harmless fun and very educational. You find out about local history, discover

What panoramic views?

Where is that clue?

interesting plaques and markings on walls, that you would otherwise walk straight passed. Not only that but you see sights and take pathways that you would just ignore, especially in an unknown town. It is perfect for children and adults alike. In fact some of the clues are a little tricky and even the most discerning adult may have to work quite hard to figure them out.

So Nellie took us to Shaftesbury where we met many friends, all ready and eagerly awaiting to find, by process of elimination, who did it and with what? The website told me, “There are more roads radiating to and from Shaftesbury than any other town in Dorset. The town of Shaftesbury has been a place for travellers ever since it was founded in the 9th century by King Alfred the Great. The first part of this Trail is fairly flat and leads you to the spectacular views over the Blackmore Vale and Cranborne Chase. The second

29 part of the Trail takes you down Gold Hill, famous for that bread advert with the boy riding down the cobbles after pushing it up the hill with his basket full of bread. This is a Trail with some great historical features and some wonderful views.

This Murder Mystery Trail should take about 2 1/2 hours to walk about 2 1/2 miles. There are a couple of very steep slopes to negotiate therefore this Trail is suitable for very light pushchairs but not for wheelchairs.”

Well, we picked a perfect day… for a murder mystery tour… it was cool, drizzling and foggy! Nellie was glad she was with friends, and many of them at that, otherwise I think she would have been pretty scared. The atmosphere was befitting a Sherlock Holmes movie.

I am serious! Of course we had to start in a café to build up our stamina for the 2.5 mile walk and mental pressure we were about to endure. Once we got started, it all got very serious with some running ahead to be the first to find the answer. Nellie has some very competitive friends! One clue up on the hill, overlooking what would have been

Into the mist...

Spirit of play...

spectacular views, we just could not see because of the fog. We couldn’t believe it, but being the ‘spirit of play’ souls that we are, we turned this into a lot of fun. The precarious walk down the famous Gold Hill, set in this hazy ambience was rather exhilarating.

We could have been characters in a Dickens novel following the route of an unsavoury type, determined to catch him. Anyway back to reality… we eventually found our way to the last clue. We did it! We unlocked the mystery! I have to say I was rather glad there were quite a lot of us, as some of the clues were pretty taxing, but that made it all the more exciting when we did find “who did it” and “with what”.

Nellie highly recommends Treasure Trails. Do take a look at the website.

You can download the clues, or have them sent in the post. We found another recently that is a ‘walk and a ride’ with clues… so Nellie is very excited about that as she really will be able to join in!

Maybe we can tell you about that next time…but where will it be? Where will Nellie go next…?

By Debbie Corney

30

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Meet Rula Lenska at the Bournemouth Hearing Show

Rula Lenska

Actress Rula Lenska has kindly agreed to come along to the Bournemouth Hearing Show to chat about her hearing loss and how the latest digital aids have helped her to continue with her normal life.

Now in itâ&#x20AC;&#x2122;s ďŹ fth year the show offers a great opportunity to come and see the latest developments in the hearing aid industry, to talk to industry experts,

have a free hearing assessment not to mention free tea & coffee!

The show is on Thursday 7th May at The Village Hotel, Deansleigh Road, Bournemouth, BH7 7DZ. (Next to Bournemouth Hospital) Entry is free although it is a good idea to pre-book for priority admission by calling 01202 478881.

Exhibitors include Phonak, Unitron, Oticon, Starkey, BSVI, Puretone, Age UK, Clarity Hearing Solutions For more details or to pre-book see the Bournemouth Hearing Show website at www.bournemouthhearingshow.co.uk

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The Queens Park Directory Prize Wordsearch

O N B W V Z J H E K X B Y W Y

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on your Gardening Tips

PLOT

April showers to October fun Now is the time for April showers and with the weather warming up all the time and some gentle rain you’ll soon be seeing lots of changes on your veggie plot.

Its wonderful to see the first fresh, local, asparagus appear for sale this month and if you’ve a bit of space spare on your plot now’s the time to plant this gourmet crop.

Buy one year old crowns and plant them immediately into well drained soil. You should be able to take a small harvest next year and they’ll carry on cropping for up to 20 years!

Jobs for April:Keep an eye out for late frosts and cover any vulnerable plants.

Harden off indoor sowings before planting out.

Start off French beans and Brussels Sprouts under cover.

Fancy something a bit more exotic? Try growing some peppers and aubergines - sow this month in a greenhouse or polytunnel.

Plant an asparagus bed.

Earth up potatoes once the first shoots appear.

It’s a time when any indoor space, be it greenhouse, cold frame, or just window sills, is likely to be filling rapidly with young seedlings.

If you are thinking of planting some of your seedlings out then don’t forget to harden them off first. You can move the pots outside each morning, bringing them in at night to gradually acclimatise them to the change.

Do remember too that late frosts can still happen in April, damaging plants that are unprotected.

Watch the weather forecast and if there’s any danger of frost then use fleece or cloches to protect plants where necessary.

On the subject of cloches, save any empty plastic bottles that you may have. Cut the bottom off and you are left with a wonderful mini cloche to protect seedlings that are recently planted out. Push the plastic down into the soil firmly and it will keep off not only some of the chill but also any slugs that may have their eye on tasty young leaves.

Are you a fan of Halloween?

Pumpkins can be quite expensive come the end of October and then there’s always the hunt for one just the right size. Why not have a go at growing one (or several!) of your own this year? Pumpkins need a long, growing season to ripen well so now is the time to start them off. There’s lots of different varieties, including some

giant ones if you want something really impressive to carve. Look out on the packets for ones that are early ripening for the best chances of success.

Pumpkin seeds are huge so it’s easy to sow just one to each pot. I’d sow at least 3 plants, if they all germinate and mature it’ll probably be more than you need (they can take a lot of room as they grow) but it’s better to have spare in case you loose some early on - if they all grow well you can always pass one on to a friend or neighbour and have a competition to see who gets the biggest pumpkin! You’ll need to keep your young plant inside until all risk of frost has passed. When it comes time to plant the pumpkin out it will like lots of nutrients in the soil. Dig out a large hole and put in lots of well rotted compost - or you can even plant your pumpkin straight on top of an old compost heap. They’ll bloom with wonderfully exotic looking, huge yellow flowers and it’s wise to consider removing the growing tip once three fruit have set as this will give a better chance for larger, riper, pumpkins.

Support the growing fruits on a bed of straw to avoid them dropping off or becoming mushy.

Are you enjoying purple spouting broccoli at the moment? You can buy summer varieties to plant now, or try Calbrese (this has the green heads) which is best planted straight into the beds where they will grow.

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Money Saving Tips

Martin

LEWIS Debt For those with existing debts there are record deals available right now to let you cut the cost and save £100s or £1,000s.

Yet as the old adage goes, banks are companies that’d lend you an umbrella when the sun shines and ask for it back when it rains. So getting cheaper credit when in debt is tricky – however I have developed credit card eligibility checkers which can help you check what debt cutting cards you’re able to get before you apply. If you can lower the interest cost, then more of your repayment clears the actual debt, not just services the interest – meaning you’ll be debt-free far quicker. So here are the key debt cost cutting need to knows…

I make no apology for saying…. stop borrowing. If you're struggling, borrowing to make ends meet just elongates the problem - making it even costlier and more difficult. The tips below will help, but if you keep adding to the debt nothing will fix it. So take a deep breath, do a budget and examine all your spending to see if you can cut back.

Best buys are only best if you can get them. While there are many great rates on offer, you need to pass a credit score to get them, and many fail at that hurdle. Worse still when you apply it leaves a footprint on your file and lots of those in a short space of time can hit your future credit worthiness. I've given evidence to Parliament on this 'anti-shopping around' system - little's been done.

So to fight back on my site we’ve built a free eligibility calculator – which tells you which cards you’re most likely to be accepted for. Just as importantly it does this without leaving a footprint on your file that lenders can see – so you can home in on the right one, minimising applications. To try it go to www.MoneySavingExpert.com/eligibility.

Shift credit or store card debt to 35mth 0%. A balance transfer’s where you get a new credit card that repays debts on the old credit or store card(s) for you, so you owe it instead at a lower rate.

The longest 0% deals for those new to the card company now last nearly three years (a year ago they were 30 months), but as with many things in life longest isn't always best. Aim for the lowest fee card, ensuring you've enough time to clear it. Top picks and golden rules at www.mse.me/ balancetransfers.

Shift your overdraft to 0% too. Debit cards can be debt cards too - if you're in your overdraft it's often more costly than credit cards, especially if you bust your limit. So there are two ways to get out of this. a) Switch to a 0% overdraft: Top bank for customer service www.firstdirect.com offers a £250 0% overdraft (you

must pay-in £1,000/month) and for accepted new switchers a free £100 - which should help reduce the overdraft straight away. For some www.nationwide.co.uk 0% overdraft may be bigger, but it's only for a year and is 50p/day after. b) Shift it to a 0% 'money transfer' credit card. A few balance transfer cards also let newbies 'money transfer'. This is where it pays a lump sum into your bank account, which can then clear your overdraft so you owe it instead. Top pick is www.mbna.co.uk which gives 24 months 0% money transfers for a one off 2.2% fee (though it's 22.9% rep APR after the 0% ends). Yet be careful, follow the balance transfer rules above and for more picks and full step-by-step help see www.mse.me/moneytransfers.

Can you cut the cost of existing loans? It's complex, as you need to factor in that most loans charge up to two months' interest to repay them early.

- Who should try? Those who can get a substantially lower APR loan (eg, more than a fifth off, so from 10% to 8%), and have a while left to repay. Full options in www.mse.me/ cheaploans.

- How much can I save? Someone who is 2 years through a 5 year 12% loan for £5,000, paying it off with a 4.9% loan, could save around £1,000.

Don't pay all debts equally - attack the highest APR. Once your debts are as cheap as possible, list them all, including overdrafts, in order of APRs. Focus all spare cash to clear the highest APR one as it grows fastest, and just pay the min on the others. Once that's clear, move to the next highest.

I've never seen a debt crisis that isn't solvable - don't give up hope. The solutions above are for cutting debt costs. Yet for some, it's much worse than that. Do any of these apply to you...

- You can't meet even just the minimum monthly payments.

- You have non-mortgage debts bigger than a year's salary.

- You have sleepless nights or serious depression/anxiety over your debts.

If so then you're likely in a debt crisis and that means the solution you need is totally different. The most important thing I can tell you is I've never seen a debt crisis that isn't solvable. It may not always be quick or easy, but there is a proverbial light at the end of the tunnel. The first step is to go for free, one-on-one debt counselling help from www.adviceguide.org.uk, www.stepchange.org, www.nationaldebtline.org or, if you're struggling emotionally too www.capuk.org.

@MoneySavingExpert

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   

         

 

42

Talbot View

66 Ensbury Avenue, Ensbury Park BH10 4HG

Thinking of moving into a care home? We’re here to help Situated in the heart of the Ensbury Park community, Talbot View provides quality residential and dementia care in a home-from-home atmosphere.

Whether you’re looking for a short respite stay or a new home, we offer a warm welcome, compassionate care, comfort and peace of mind.

To request a brochure, arrange a visit or find out more, please contact Jackie Nelson, the Talbot View manager on

012 02 537571

talbotview@care-south.co.uk

www.care-south.co.uk Care South is a leading provider of residential and home care across the south of England.

RESIDENTIAL

|

DEMENTIA

DW 2015 90 X 128

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29/1/15

RESPITE

15:51

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NURSING

Page 1

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Registered Charity No. 1014697

ASSISTED LIVING

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HOME CARE

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A Local Table Tennis Club

Community News

44

Merton Table Tennis Club Merton Table Tennis Club, is a well established club formed over sixty years ago. Based at St James Institute, 33a Stourfield Road, Southbourne.

BH5 2AR. We have a specially equipped hall to the rear of the building, providing excellent playing facilities for players of all standards and ages.

With over 70 members, the club is one of the largest in the Bournemouth area and currently has 11 representative teams in the Bournemouth League from Division 5 up to the Premier and 1 team in the Poole League.There is also a healthy junior section, who meet between 5.30 and 7.30 pm on a Friday afternoon.

As a Table Tennis England (TTE) Premier Club, the quality of our facilities and equipment meet the highest standards.

The room can accommodate up to 4 tables for practice or 2 for competition.

The walls are painted in appropriate TTE recommended and approved colours. The flooring is a specially laid non slip sports surface and above the tables, the lighting system is configured especially for table tennis.

We are truly spoilt by the quality of our facilities.

St James Institute is a disability friendly building with toilet facilities, access ramps and doorway openings which all comply with current standards.

Whether you are a total beginner, a serious competition player, or coming back to the sport all are equally welcome. If you want to play for a bit of exercise, or just to meet new people and try something new, please get in touch.

More information can be found on our web site. www.mertonttc.co.uk

45

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Your quick guide to everyone and everything in your Directory...

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