Roundabout Verwood - February 2023

Dear Residents, Where has the summer gone? Well, I believe Spring is just around the corner, so let’s hang on in there and take a deep breath until March! In the meantime, this cooler weather and rain gives us a chance to look at the house and see what is needed to upgrade or change a few things around. Maybe there are people here in your local magazine to help you? We have electricians, plumbers, solar panel experts, builders, roof specialists, carpet cleaners, oven cleaners, window cleaners, carpet fitters, window fitters… and much more! Each of our loyal and trusted trades people and services would love to hear from you. Now is a good chance to get the help you need, so please do mention us when making those all-important calls. I am always very happy to hear this as it makes all our work worthwhile. You get a local person to help with what you need, and the company keeps busy. It is what we are all about. It also keeps our local economy thriving which is good for us all. A win-win all round.

I also hope you enjoy reading the articles and local data inside. If there is anything you would like to see or any suggestions for making your useful magazine, more useful I would love to hear from you! Do give me a call or send an email.

For now, we wish you a good month of February. May you have fun with, or even find, your Valentine!

wishes, Debbie, Stephen

Printed on Carbon Balanced Paper by Pensord Press Ltd. Certified by the World Land Trust. Helping the planet one page at a time...

Local Runners Step Up To Raise £3,000 for YMCA Bournemouth

More than 500 runners took to the streets of Broadstone at the weekend as part of an annual quarter marathon in aid of YMCA Bournemouth/The Junction Sports & Leisure Centre – collectively raising a total of £3,000.

The race, now in its 37th year, is organised by YMCA Bournemouth in collaboration with The Poole Runners. Every New Year’s Day, runners navigate their way around a two-lap course starting and ending at the main shopping parade in Broadstone.

All raised funds go towards facilities and equipment for YMCA Bournemouth’s sports and leisure centre, The Junction in Broadstone – which welcomed more than 3,000 new adult members last year.

This year’s donations will contribute towards new steps to help improve accessibility to the popular swimming pool at The Junction.

“Since 1986, our quarter marathon has served as an invigorating and rewarding way for members of our community to kickstart the New Year.

“The camaraderie is always inspiring to see, as hundreds come together to raise money for those in need. Particular recognition should go to Poole Runners veteran, Geoff Scott, who’s run every one of our 37 races – even taking on the course on his own in 2021 when the wider group race had to be cancelled due to COVID.”

“We’re so grateful to everyone who took part this year to support YMCA Bournemouth. Thanks to our community’s contributions, we can continue delivering a range of essential services to Dorset – from temporary housing support and counselling to youth clubs and health and leisure facilities.”

“We are so grateful for the support of all the staff at The Junction for all their help in setting up this race and handing out water and mementos on the day. We are delighted to be able to support The Junction and to organise a very popular race for local runners. It’s a real win/win.”

To find out more about YMCA Bournemouth, visit: https://www.ymcabournemouth.org.uk/

Nick Gillespie, The Junction’s Centre Manager at YMCA Bournemouth commented:

Penny Jarvis, Race Director on behalf of Poole Runners added:

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Avatar...again

Never an actress who rushes to take up film scripts, Zoe Saldaña very often opts for the ‘less is more’ approach – thus, a string of colossal projects decorate a CV that is notable for gaps in between.

Certainly in terms of the film that set her on her way to a string of big-budget projects from where she rarely now strays, the influence of James Cameron’s groundbreaking Avatar has been present for well over a decade now.

So it is with no small amount of relief that, finally, a sequel has arrived… and not just one. In what may turn out to be the biggest box office series ever, production of four more Avatar movies is in motion, through to Avatar 5, due for release in 2028, no less.

“The project is huge, but it has to be,” says Saldaña. “You have a film that took $3billion at

the box office, and yet here we are 13 years on. Perhaps it’s only right we’re getting this many sequels done if it’s taken us this long up until now!”

On the eve of Avatar: The Way of Water, one of the most-anticipated sequels in film history, Zoe Saldaña is a woman with a lot of work to do. does just different… different.”

While details over Avatar 2, or The Way of Water to give it its official title, are sketchy, what’s clear is this is no rushed project, nor is Saldaña taking her return lightly.

“I was very nervous because sequels can be dangerous, and we were feeling the pressure. I think the first couple of days, we all had moments of, ‘Can we do this again? What was the secret ingredient?

Do you know, does anyone? Should we just leave it there, not mess with it?’ There were a lot of nerves. It has been a long while.

“Yet [director and writer] James Cameron is in charge and his vision is present and trustworthy. And the film is very different from the first, way different… different planet different.”

While we are now in a new era of film that feels a world away from the CGI-laden original, the appeal of welcoming a new generation of filmgoer to the mystery of Eurasia is one Saldaña is relishing.

“We still retain the curiosity and interest of the millions of people who went out to watch it first time around, but the continuation of this story will bring new eyes to the story, and that’s a thrill for me.”

A Design for Life… e Kevin McCloud Column

Designer, writer and television presenter, Kevin McCloud leapt into our consciousness with his vastly successful Grand Designs show on Channel 4. This month, the affable architectural business owner talks about the concept of space.

During lockdown, our understanding and appreciation of space was something that was challenged in ways we w had probably never expected.

Not only was even outside space challenged and conditioned to be accessed and used in very specific ways, but when at home, our rooms suddenly became multifunctional when they were never designed for such a purpose – our kitchen tables were work desks; our little creative nooks and crannies were filled with children and other imposters!

One of the positive take-outs many of us took from lockdown

was versatility, yet in my own life I’m keen to get back a certain amount of separation, because I find it absolutely essential for organising my mind and staying creative.

It’s for that reason that I actually have different work areas, spaces and locations for different types of jobs. By that, I mean I will do all my creative television thinking in a little bale- and stone-walled hut I have, called The Straw Bale.

It has a roof, some furniture in there, and serves as a studio away from prying eyes and everyday interruptions you would usually encounter in the house.

I felt I needed this little space because with a show such as Grand Designs I am pretty much on-location the whole time. That means there is no set base by which I can connect myself to a project and get in that headspace… unless I make one.

I have an office within the main part of the house, but that is used for much more menial matters, such as answering emails and firing off angry letters to all and sundry!

The concept of space is one that isn’t always objective – it can be

subjective as well. For instance, just because you have a big area with which to express yourself, it doesn’t mean it will actually feel big, or spacious. Similarly, very small rooms can be made to feel much larger than they are with clever techniques and smart aesthetics. I talk around this idea a lot when I mention high ceilings, uplighting and an abundance of floor space, utilising tables and chairs with legs, that guide the eye and light through the space.

In essence, it’s all about how we marry together space and comfort. If done well, you have the first building blocks for somewhere, home or office, that truly inspires you and brings happiness.

The Property Protection Trust Will package is based around how you hold the ownership of your home. All good estate planning nowadays considers the difference between owning your home as joint tenants or as tenants in common.

If you own your home as Joint Tenants; when one of you dies the ownership of the home passes by the Law of Survivorship and not by your Will. Therefore, the surviving partner will automatically own 100% of the property. This sounds right to most people. BUT should the surviving partner need care in the future, the Local Authority can take everything they own (including their home) to pay for the care fees, leaving just £14,250 to be inherited by children and grandchildren.

There is an alternative.

Nowadays many couples choose to own their home as Tenants in Common where each partner will own 50% of the family home. This provides for many benefits. Firstly, it allows you to legally leave your share of the property in your Will to whoever you wish. A properly written Will can ensure that your half of your house will eventually pass to your children even if your widow re-marries.

Unmarried cohabiting couples or relatives living together can also use this means of ownership as a way of minimising their Inheritance Tax exposure.

It can also help with long-term care costs. If one of you is still living in your home the Local Authority can’t include its value in the means test if one of you has to go in to long-term care. This also applies if the husband or wife still living at home dies while the other is in care as their share will go into the trust.

Dorset and Wight are your local experts in Property Protection Trust Wills.

Increasing numbers of homeowners are choosing to hold their properties as tenants in common to reduce inheritance tax and help protect their share from care fees

Dorset Wildlife Trust partners with ethical consumer brand, Gaia

A new partnership has been announced between Dorset Wildlife Trust and Bournemouth-based ethical consumer brand, Gaia. Dorset Wildlife Trust has been chosen by Gaia as one of the four environmental charities to which the company donates a portion of its members’ fees as part of their commitment to sustainability. As an additional benefit of their membership, Dorset Wildlife Trust members will gain access to a digital Gaia card which offers hundreds of ethical discounts and offers with local and online companies who meet their sustainability criteria.

The donations will go to Dorset Wildlife Trust’s Nature Reserves Fund, the proceeds of which are used to care for and maintain 40 nature reserves across Dorset. These include areas of ancient woodland, wildflower meadows, precious heathlands and wetlands. These are habitats which have become increasingly rare in the wider countryside and are filled with vulnerable species such as the marsh fritillary butterfly, Bechstein’s bat, bee orchid, great crested newt and of course, the Sandwich terns and red squirrels on Brownsea Island.

Dorset Wildlife Trust’s Conservation Director, Andrew Pollard said, “We are delighted to be one of Gaia’s chosen charities. The costs of managing our nature reserves rises every year - restoring rivers, woodlands, heathlands and grasslands, maintaining walking trails, repairing fences required for conservation grazing, and all the work that is required to ensure visitors are kept safe and able to enjoy these amazing wild places. It is an exciting partnership which works for both

our members as well as local companies who care about reducing their environmental impact too”.

Izzy Chalk, Gaia’s Sustainability and Ethics Co-ordinator commented “At Gaia, sustainability lies at the heart of every decision. However, we also understand the pathway to sustainability is complex, with multiple influential factors. This means we need to take action towards environmental stability, social equity, and economic progress simultaneously. In other words, we need to address all 17 of United Nations Sustainable Development Goals. The incredible work carried out by Dorset Wildlife Trust is vital for restoring ecosystems, combating global climate change, and improving the health and wellbeing of society. Therefore, we are thrilled to have Dorset Wildlife Trust as one of our selected charities for our new and improved giving-back scheme, and we are excited to explore how this partnership will benefit both people and the planet”.

To find out more about becoming a member, visit:

dorsetwildlifetrust.org.uk

Photo: Red squirrel in an apple tree.

Credit: Paul Williams

Ferdown Golf Club Ladies Captain chooses JTYAF

The Ladies Captain at Ferndown Golf Club has chosen the John Thornton Young Achievers Foundation as her charity of support for 2023.Julie wanted to work with a local charity as opposed to a large national charity and was impressed by the work that the JTYAF do and the opportunities they provide for young people in the local community.

The JTYAF is honoured to have been chosen by the Ladies Captain, at Ferndown Golf Club, the South West’s premier 27-hole heathland golf course, and they are looking forward to an exciting year ahead.

“When I was looking for a charity to support something about the JTYAF and the work they do with young people resonated with me. On meeting Pete and Linda my decision was cemented. I am really looking forward to working with the JTYAF over the coming 12 months.”

Julie Richardson, Ladies Captain

Shortly after announcing her chosen charity, Julie and her great team from the Ladies Section at Ferndown, organised a fabulous Christmas Fayre in support of the JTYAF.

It was a spectacular event with an incredible array of Christmas gifts, goodies, decorations, jewellery, handbags, glitzy outfits and shoes, everything you could possibly need for the Festive celebrations.

The members and guests were extremely generous, and the event tremendously well supported.

Without the support of people like Julie and Ferndown Golf Club, the JTYAF wouldn’t be able to do the great work that it does with young people. They need our support now more than ever before.

We can’t thank Julie and her team enough, as this partnership will make a huge difference to the opportunities that the JTYAF can provide going forward.

Visit our website: www.jtyaf.org

- HMRC defer

‘Making Tax Digital’ for personal Tax Returns

HMRC had announced that tax returns would have to be done ‘digitally’ starting from the tax year 2023/2024 (see Roundabout November 2022)

This has now been deferred to April 2026 for businesses, self-employed individuals, and landlords with income over £50,000, or April 2027 where income is over £30,000.

The new requirements include records being kept digitally on compliant software - paper bookkeeping records will no longer suffice.

The proposals are complex and include a requirement for quarterly tax returns during the year as well as an annual summary tax return.

Under original proposals the start date for MTD ITSA was April 2018. This is the fifth time the timetable for this Government project has been deferred.

For any help with Tax for Individuals or Businesses, please contact: Ian Keatley, FCA at KCI Accountancy, Verwood 01202 814764 / 07808 632163 • www.kci.accountancy.co.uk

Greenfingers…

The Alan Titchmarsh Column

He’s a brilliant presenter, accomplished gardener, talented novelist, and allround horticultural inspiration. is month, Alan Titchmarsh discusses how to keep motivation for your garden going.

e back might ache more than it used to and there’s more than a hint of a painful creak in the knees, but most days I still feel the urge to get out there and do my bit… and even when I don’t feel the urge, I always find it important to push on. A er all, my faithful beds and trellises rely on it!

It’s also worth remembering how beneficial the everyday rigours of flowering and weeding, pruning and digging are. It comes with the territory when you get to my sort of age, but I always remind myself that by the very nature of gardening you are outdoors, filling the lungs with oxygen and experiencing what it is to be around plants, trees and flowers. If that isn’t good for the soul, I don’t know what is!

I think what should motivate us to garden, even on those days when we would rather be in the pub, is the fact there is something unique about every outside space, and it changes on each occasion you set foot out into it. ere is always something that’s di erent, and special, and always ready to enchant you… always something you perhaps hadn’t noticed before!

It’s important to remember that although your garden is a wild space, you have, in e ect, tamed a lot of it; so like a pet or a child, it relies on you to keep doing the things you invested in it in the first place. It’s sort of saying, ‘you’ve started now, you can’t just stop!’

Remember too, it was you who had the vision, the idea, the perception of what this space should look like; so press on with those jobs and keep making your garden your own personal space – it’s an expression of who you are, and just like we get up in the

mornings and have a wash, comb our hair, so too do we owe that to our gardens.

So in summing up, of course the work can be hard and tiring and there are days when the body seems to be telling me to stop, but I am happy and healthy and have a loving family so things could be far worse. And what would I do anyway? Okay, yes… head to the pub!

The Adventures of Daichi

The Modern Magazines Camper Van

Daichi, The Dashing Dude, our wonderful, spirited Campervan is always ready to cheer us up, to take us on family adventures both near and far and generally take us away from any stresses or strains of everyday life. He doesn’t believe in watching the news or letting woes and worries get him down. He is all about living life, seeing friends and family and making the most of our beautiful British Isles. It is a great attitude to have. Christmas seems a long way away already, but at that time we have two important Birthdays (well I think so…), my own and Stephen’s. You see I was born 3 days before Christmas and Stephen was born on Boxing Day. It is a busy time of year! Daichi’s story this month is how very different we can spend our Birthdays and how we all enjoyed both of them!

Daichi drove us all the way to Hull for my Birthday… where I was born and lived until I was 18 years old. The family are still there and what I wanted was to see them all with my Mum and Dad. It gets to a certain time in your life, when, I don’t know about you, but you wonder if this Christmas could be the last, with certain people. I had this going on in my jumbled head for some time, so Daichi was very accommodating and drove myself and Stephen all the way to Hull. We arrived late on December 21st. What my Dad did not know

was that I had already been in contact with our 22 family members there, and each were coming to his humble abode the following evening. Dad worries a lot, and at 87 now and though still very fit and able to drive all the way down South, Daichi did not want to stress him out. A Mum with dementia is not at all easy and situations can never be predicted, but I managed to get her up and dressed and ready to go to a local garden centre the morning of my Birthday. For anyone with this problem, I had bought mum a gorgeous doll and it worked like a treat. This “baby” was a saving grace on many occasions this Christmas. It is very sad to watch in many ways, but believe me, Mum lit up like a Christmas tree when she saw her, and hardly let go the whole time we were with them. The people in the garden centre were marvellous too, mum had many smiles and hello’s, and I was very touched by all their gracious looks and helpful comments as Mum wandered around holding carefully her pretty baby. Daichi was all smiles too. What a great idea that worked a treat, for everyone’s benefit. During lunch I approached Dad and told him my Birthday plan. A little taken aback, but he knows me well, the next step of the plan was set. Shopping! The boys would do the shopping,

Debbie and mum in the garden centre

while I kept mum entertained at the garden centre. It worked! Daichi took the boys to the supermarket… and I lost Mum several times walking around the Christmas decorations! All good fun.

Seeing all my cousins and family members was what I had wanted. We don’t get together too often and when we do it is always good. I was particularly interested in the younger members… now in their twenties and thirties (I am showing my age now…). One cousin is buying her first house. Another cousin had gotten married and gone to Disney for three weeks. An aunt is planning a new life for herself. I loved it. Lots of life, living and forward thinking. It was a great way to spend my Birthday.

Mum and Dad came back with us for Christmas and spent a week with my sister over at their farmhouse in Margaret Marsh, near Shaftesbury. We spent a quiet Christmas Day with them in the countryside. Gorgeous. Log fire, wind whistling around the walls and windows and Christmas dinner…mmm…. From Hull to Margaret Marsh, and then to Weymouth for Stephen’s Birthday on 26th. Variety is the spice of life I have heard it said!

As you know we do love living in Weymouth with our sea views. The last two years, Boxing Day has been glorious! Really, sunny and blue skies. It has become Stephen’s day for a brisk swim in the sea with Hayden, our son, to

Stephen after a bracing dip on Boxing Day

celebrate his big day. They do have wetsuits, but nevertheless this is a brave move I would say! I, well, I take the photographs… Afterall someone has to do it! This year they stayed in the water a good 15 minutes all the while playing ball and diving in and out of the water. It is fun to watch, though people passing by gave us a few sympathetic looks… I think Stephen likes the challenge of it all. There I am bringing the family members together for my day, and Stephen absolutely backs me up with all of that, but on his day a bracing challenge and a full ‘alive feeling’ is what he wants. After a Birthday lunch, including ice-cream of course at our wonderful “Wafflicious” ice-cream parlour, “Avatar 2” was next on the menu! All within walking distance of where we live, the cinema, just around the corner was the perfect way to end a great day. The film is brilliant. Defense of the family is at the core of this adventure. Quite apt really. A three-hour movie, well worth it with gorgeous graphics and we were well entertained the whole time. An exhilarating end to a fabulous day!

So, how did you spend your Birthday? Daichi would love to know. Why not email him at debbie@modernmagazines.co.uk. Maybe we could add some of your Birthday photos in the magazine and Daichi will send you his Best Wishes? Birthdays are a great excuse to do what YOU want to do! Where will Daichi take us next, I wonder?

By Debbie Corney

Cleaning up our act

Keen to make your laundry routine as ecofriendly as possible? Well, we’ve got some simple and effective solutions for you.

1. Lessen the load

Sometimes the most obvious option is the best one, and in this case, that would be to simply do less washing.

Naturally, socks and pants can only be worn once before they need a clean, but perhaps you can at least strive to get a couple of days from the same pair of jeans or sweatshirt.

Going fewer days without doing a wash is also a good strategy: three larger loads a week is preferable to five smaller ones.

2. Curb the chemicals

Toxic detergents have a very negative impact on our local eco-systems – particularly marine life. Fortunately, there are numerous ecobrands on the market that are also effective and pleasantly fragrant.

Another good option is soap nuts - these are dried shells of berries from a tree native to the Himalayas. Entirely natural, chemical-free and gentle, these

nuts contain saponins, a soap-like chemical that foams when agitated in warm water. Soap nuts are also anti-bacterial, anti-fungal and an effective alternative to chemical cleaners.

3. Get some balls

Your favourite scented dryer sheet is singleuse, non-biodegradable and packed with toxic chemicals, so invest instead in some wool dryer balls.

Not only do they reduce static electricity and wrinkles, soften fabrics and encourage them to dry faster, they can also be used over and over again – far kinder to your pocket, too! And to go a step further, sprinkle with essential oils to give your clothes a dreamy scent.

4. Ditch the plastics

It’s no secret that single-use plastic is enemy number one to the environment. Why not seek out a local store that provides refillable stations, or consider a detergent alternative such as soap nuts or even just distilled white vinegar -

don’t worry, the vinegar smell naturally neutralises!

5.

Cool it down

Even though most washing machines offer the option of a 90-degree wash, it really is an unnecessary temperature to wash linens at. If you do have nasty stains, pop half-a-cup of baking soda in with your clothes to banish them.

Even your colour clothes wash can be dropped from 40 to 30 degrees thanks to better formulated detergents (even the eco brands), a small change that lessens both the impact on the planet and on your pocket.

Going Green...

So much is being said about the need to protect the planet and use more eco-friendly material, but it is the small steps that each of us can do that will really make the difference.

Take the EcoEgg Laundry Egg... the innovative laundry solution. It replaces laundry detergent and fabric conditioner, reducing both harmful chemicals used and also single-use plastic packaging.

Dermatest has rated it excellent for use on sensitive skin, giving a kinder wash on both your skin and your pocket.

The mineral pellets in the egg, which are refillable (saving even more money!), work together in the water to effectively draw dirt from your clothes and softens them by changing the pH. Therefore leaving your laundry clean and fresh.

EcoEggs are available in Fresh Linen, Spring Blossom and Fragrance Free.

Recently, they have also released the EcoEgg Dryer Egg, which can be used when tumble drying. They reduce the drying time by up to 28%, saving you both time and money.

“I’ve been using mine for over a month now and I absolutely love it. It saves money, there’s no mess from washing powders and liquids. Also easy to use, and is better for the environment. Helps cut down on single use plastic and doesn’t use harmful chemicals.” KD

If you would like to know more about these products and many more, please feel free to visit my website at debbiegoesgreen.uk or email me at hello@debbiegoesgreen.uk as I would love to hear from you. Let’s look after ourselves and our environment!

Debbie Corney

People notice hearing loss, not hearing aids

One of the very common obstructions to people taking action on their hearing loss is the misconception that people will notice that they are wearing hearing aids. Our experience is very much different. Today’s hearing devices are extremely compact, to the point that they are very dif cult for anyone to see they are being worn. What is much more obvious, however, is when people mishear what is being said or are frequently asking for things to be repeated.

Not taking action on a hearing loss simply makes life more challenging and frustrating for both the person with the loss and for those who need to communicate with them.

So many times we are told by our new clients that they wish they had taken action

sooner. They often report that even their closest family members hadn’t spotted that they were wearing new hearing aids but that they have noticed that conversations have become more relaxed.

We had a great time last year helping many people to hear more clearly. We love our job and we nd it very rewarding to know that we have made a positive difference to the quality of the lives of our clients.

We are often able to offer a ‘Try before you buy’ option at no cost. This gives you the opportunity to experience the difference that wearing hearing aids can make to allow you to make an informed decision about the bene t to you personally. Take the rst step to clearer hearing today and call us on 01202 985500 to arrange a free hearing consultation.

Understanding Investments: End of tax year investment planning

The end of the current tax year is April 5th 2023. There are some tax changes coming up in 2023 which mean more consideration is needed in advance. Generally tax reliefs are being reduced and tax rates increased.

1 - Individual Savings Accounts (ISAs):

There are no changes to the £20,000 allowance per adult (plus £9,000 for Junior ISAs). However for the past 14 years interest has been negligible on cash. That has now changed with rising interest rates and it’s possible to earn over 2% on accessible cash and 4% on 1 and 2 year cash bonds. Using your annual ISA allowance for either Cash ISAs or Stocks and Shares ISAs has become more important as any interest, dividends or capital gains are exempt from tax within an ISA.

2 - Capital Gains Tax:

The annual personal exemption is reducing from £12,300 to £6,000 in April 2023 and then again to £3,000 in April 2024. The Trust exemption is a maximum of 50% of these so also reduces accordingly. Utilising annual exemptions can be important to reduce potential future tax charges. It may also be worth reviewing investment portfolios and crystallising losses in certain scenarios.

3 - Pension Contributions:

Making personal pension contributions can be very tax efficient. You obtain tax relief on the contribution at your marginal tax rate. In addition contributions can reduce your taxable income and can affect other allowances such as Child Benefit and your personal tax free allowance.

One of the criteria to receive Child Benefit without clawback as a result of the Child Benefit Tax Charge is that you or your partner’s adjusted net income isn’t above £50,000 per annum. If exceeded, a High Income Tax Charge is applied, meaning that Child Benefit is fully clawed back once income reaches £60,000.

The personal tax free allowance of £12,570 is tapered if adjusted net income exceeds £100,000. The effective tax rate between £100,000 and £125,140 is 60%!

Additional rate tax of 45% will be applied to earnings above £125,140 after April 5th 2023 (currently £150,000). Pension contributions reduce your adjusted net income so can be a powerful tool in reducing the tax you pay.

The annual pension allowance for total pension funding is £40,000 although it is possible to go back 3 tax years and “carryforward” unused allowances, subject to certain criteria. Personal tax-relievable contributions are limited to 100% of earnings or £3,600 or annum if more.

Finally, it is possible to make a pension contribution on behalf of another individual and the tax benefit will apply to that individual personally. So for example a retired parent who is a basic rate taxpayer could make a pension contribution for a working adult child who is a higher or additional rate taxpayer and the parent would make the payment net of basic rate tax relief and the adult child would receive any higher/additional tax relief, claiming this from HMRC.

4 - Corporation Tax:

If you own a limited company corporation tax rates are increasing from April 1st 2023. You should seek advice from your accountant regarding the effect this may have on your business and any required planning. As you can see, it is important to keep up to date on tax changes and how they may impact your planning. In addition, it has been a challenging year for many investors so reviewing your investment portfolios to ensure they are suitably diversified and well-positioned for the future will be important as the economic cycle changes.

If you’d like to discuss your personal financial situation and planning, my colleague Stewart SimsHandcock and I are available for a free initial, no obligation chat.

Howard Goodship is an Independent Financial Adviser with Lonsdale Wealth Management, 5 Fridays Court, Ringwood. Tel: 01425 208490 www.lonsdaleservices.co.uk

The value of an investment and the income from it could go down as well as up. The return at the end of the investment period is not guaranteed and you may get back less than you originally invested. The contents of this article are for information purposes only and do not constitute individual advice.

Howard Goodship

Couple Goals

Want to put your best foot forward with your better half? These fashion tips on how to maximise your power couple status – while not looking too matchy matchy – cover every occasion from a gym outing to a super slick soiree.

Here are our top tips for ensuring you are the sartorial king and queen of wherever you roam.

Casual date

Want to show your one and only you have eyes for them? Then consider looking similar in the subtlest of ways.

Matching outerwear in the form of camel coats or bomber jackets; white trainers with jeans or a sweatshirt in a similar hue to her dress, can be touching without overbearing.

As with so much in fashion, the trick is to keep it subtle for maximum effect.

Gym hangout

Matching lycra is obviously a no-no unless you fancy channelling Barbie and Ken, but gym-based couple selfies surely demand a little liaising with your betrothed.

Donning the same sportswear brand or t-shirts with a similar font and style will give an effortless sense of cohesion, as will matching sports bags.

Similarly, you can also team up with matching post-workout protein shakes, but that really is one for the dedicated.

Wedding

Just remember that white and black dresses are generally a no no.

Corporate event

If the event is semi-casual, then the guy can wear a black jacket paired with pitch black jeans and loafers. His partner can stick to the little black dress. If it’s a formal event, then adhere to the same rules as for a wedding.

Summer Soiree

her

When it comes to complementary fashion looks, it’s often about the smaller details… for example, his tie matching her dress. It’s a little nod to the one you love without going overboard.

Generally, a dark to mid-grey suit pairs well with a formal cocktail dress in a colour palette agreeing to the theme and time of the wedding.

You want to look and feel relaxed, so definitely choose breathable fabrics and cuts. Loose cotton shirts and lightcoloured chinos with loafers or boat shoes for him, and a flowing, elegant dress for her.

Once again, your outfit synergy comes from the accents. The gentleman’s shoes may be similar to the lady’s dress, or her nail polish may match his shirt. These details not only make you look well put together as a couple, they also show your hosts that you’ve made the effort for their event too.

Shake Off the January Blues With a New Challenge

Help Julia’s House Support Local Families As Children’s Hospice Charity Celebrates Its 20 Year Anniversary

It might be wet and grey outside, but setting yourself a new challenge for 2023 could be just what you need to shake off the winter blues.

Local children’s hospice charity, Julia’s House, is launching its 2023 events programme to boost our get up and go. Run, walk, trek or parachutethere’s something for everyone! This year is extra special for the charity too, as Julia’s House marks a 20 year milestone of providing a lifeline of care to local seriously ill children and their families.

“We’d love to get as many people as possible involved in our 2023 events. It is a very special year for us and of course, we wouldn’t be here if it wasn’t for the amazing support of the local community over the last 20 years,” says Julia’s House

Events Fundraiser, Chantelle Shave. “We know it is a challenging time for us all, but the families we support need our help more than ever, so the money raised from our events this year will be so important in helping us to continue to provide our life-changing care.”

There are a number of events to choose from, whether you want to take things at a slower pace or prefer to opt for a fast-moving challenge:

A walk with a view: Join the Great Wiltshire Walk knowing every step you take will help give exhausted and anxious families a break from 24/7 care. You will take in the panoramic views of the Wiltshire countryside and walk amongst Avebury’s World Heritage Stone Circle. With special 20 mile and 20k routes to mark the charity’s 20 year anniversary, the Great Wiltshire Walk takes place on Sunday 14 May.

Jump around: The views don’t get more panoramic than those from 13,000 feet up in the air. If a parachute jump is on your wish list, sign up for a tandem skydive and see the world as you’ve never seen it before. The jump takes place at the Army Parachute Association near Salisbury on 10 June.

Booking deadline is 29 April.

Run Bournemouth and Bath

Half: On 7-8 October, run for Julia’s House in Bournemouth’s landmark running festival. Choose from a half marathon, 10k or 5k and make it a family occasion as there are junior races for children aged 3-12. There’s something for everyone and you get to savour the great atmosphere and wonderful coastline views. The Julia’s House events team will provide oneto-one support with fundraising and a free running vest.

Or, join the Bath Half Marathon on 15 October and enjoy the support of thousands of spectators who line the route to cheer on the runners in a traffic-free Bath. Julia’s House has got 20 places up for grabs. It’s a great goal for training, whether you’re a beginner or want to improve your time.

Swap your sunbed for the Sahara…

From 2-7 November this year, you could join an epic trek in the Moroccan Sahara that gives you a glimpse of this extraordinary desert landscape and way of life. Trekking across ancient dried up river beds, sand dunes and vast sun-baked plains you will camp out under the stunning star-filled night sky.

…or plan ahead for Petra

One of the seven new wonders of the world, the vast and unique city of Petra is carved into sheer rock face and listed as a UNESCO World Heritage Site. Join the Julia’s House

trek to this stunning and remote city in November 2024. It has been voted by National Geographic as one of the world’s best hikes and it is growing a reputation as the ‘Inca Trail of the Middle East’.

More information: To sign up or find out more about any of the Julia’s House 2023 challenge events go to juliashouse.org/event-listing/getactive

Chantelle adds: “All the money raised from the challenge events will help Julia’s House to continue its vital care for local families, from providing expert clinical and emotional support to helping vulnerable families access grants and benefits that can help them through the current cost of living crisis.

“With more children living longer with increasingly complex medical conditions requiring round the clock care, the essential respite breaks Julia’s House gives to families couldn’t be more critical. The continued support of the local community is vital to our future.”

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Contact your local Slimming World Consultant and join a friendly and super-supportive group today!

MONDAY

ST LEONARDS & ST IVES

The St Leonards Hotel - 7:30pm Call Sophie 07818 596511

TUESDAY

FERNDOWN

Ferndown Village Hall, Church Rd - 5.45pm & 7.30pm Call Zoe 07964 887581

VERWOOD

Verwood Memorial Hall, Ringwood Road - 9am Call Debbie 07931 480464

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WEDNESDAY

VERWOOD

Verwood Memorial Hall, Ringwood Rd - 5.30pm & 7.30pm Call Danni 07753 312454

WEST MOORS

Pinehurst Comm. Church, Pinehurst Rd - 4, 5.30 & 7.30pm Call Karen 07795 820310

THURSDAY

FERNDOWN

Ferndown Village Hall, Church Rd - 7.30am, 9am & 11am Call Zoe 07964 887581

WEST MOORS

Pinehurst Comm. Church, Pinehurst Rd - 9am & 10.30am Call Karen 07795 820310

slimming-friendly spag bol

VERWOOD

Contact your local Slimming World Consultant and join a friendly and super-supportive group today!

Verwood Memorial Hall, Ringwood Rd - 5.30pm Call Debbie 07931 480464

FRIDAY

FERNDOWN

Ferndown Scout Hut, Cherry Grove - 9.30am Call Sophie 07818 596511

SATURDAY KINSON

St Andrews Church Hall, Millhams Rd - 8am & 9.30am Call Jenny 07841 398337

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#YesYouCanWithSlimmingWorld

Lisa Faulkner’s Choux Hearts with Berries

Having met her now husband, John Torode, on the 2010 series of Celebrity MasterChef –on which he was a judge and she a contestant – Lisa Faulkner knows full well that food is the language of love. So, what better way to woo your beloved on Valentine’s Day than with these stunning choux hearts?

Ingredients

(makes 8 hearts)

For the choux pastry

• 90g butter

• 360ml water

• pinch salt

• pinch sugar

• 110g plain flour, sifted

• 3 whole eggs, beaten well

To serve:

• 500ml double cream

• 400g mixed fresh berries

Method

1. Preheat the oven to 200°C, gas mark 6. Put the butter and water in a medium saucepan, add the salt and sugar, and bring to the boil. Ensure the butter is melted. Remove from the heat, add the sifted flour all at once and beat vigorously with a wooden spoon until the mixture comes away from the sides of the pan. Return to the heat and cook for 2 minutes until the paste is pale. Cool a little.

2. Add the beaten eggs, a little at a time, incorporating fully with a wooden spoon after each addition. The mixture will go glossy then back to dull. Add the eggs until the mixture is shiny again and it just drops off the wooden spoon. Cool the mixture for about 10 minutes. Put in a piping bag and pipe heart shapes on to a baking sheet dampened with a little water.

3. Bake in the preheated oven for 15-20 minutes then reduce the temperature to 160°C, gas mark 3, and bake for a further 15-20 minutes until golden.

4. Pour the cream into a chilled bowl and whisk, either by hand or with a hand mixer, until stiff peaks form. This may take a few minutes.

5. When cooked, turn the hearts over and pop back into the oven for 2 minutes to dry out a little. Split each heart in

Top Tips

Be careful not to overwhip your cream. As soon as you have firm peaks (you should be able to hold the bowl over your head without it spilling out!) you should stop.

If berries aren’t your thing use whatever fruit you prefer… mango and passion fruit, for example.

half horizontally and then spoon or pipe the whipped cream on the base. Top with the other half and fill the centre with the fruit. Serve immediately.

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