Dec17 East Algarve Magazine

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OLHÃO · SÃO BRÁS · TAVIRA · ALCOUTIM · CASTRO MARIM · VILA REAL DE SANTO ANTÓNIO ISSUE NO. 108 DECEMBER 2017

Merry Christmas & Happy New Year from all of us at Blevins Franks 289 350 150 gavin.scott@blevinsfranks.com adrian.hook@blevinsfranks.com dan.henderson@blevinsfranks.com

CRST17-pt

www.blevinsfranks.com Blevins Franks Financial Management Limited (BFFM) is authorised and regulated by the Financial Conduct Authority in the UK, reference number 179731. Where advice is provided outside the UK, via the Insurance Mediation Directive from Malta, the regulatory system differs in some respects from that of the UK. Blevins Franks Trustees Limited is authorised and regulated by the Malta Financial Services Authority for the administration of trusts and companies. Blevins Franks Tax Limited provides taxation advice; its advisers are fully qualified tax specialists. This promotion has been approved and issued by BFFM.

Welcome...

EastAlgarve M

Yes, it’s that time of year as Christmas and the New Year are almost upon us. As it's the time for giving, we re-visit the internationally recognized Refugio Aboim Ascensão in Faro. An invaluable organization which works to better the lives of abused, abandoned and neglected children.

Restaurant Essência has celebrated its first anniversary and brings us mouth watering dishes and a possible alternative to Christmas or New Year's dinner venue? As ever the the Boas Festas Christmas light switch on began as we went to press, you’ll find some photographs of just a few of the magnificent illuminated parts of the East Algarve.

All this together with a round up of the property year as well as our regular features. We would like to thank all our loyal advertisers and contributors and wish you all a Merry Christmas and a prosperous New Year. See you in 2018!

Editor

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PUBLISHER & DESIGNER Richard Bassett EDITOR Richard Bassett EDITORIAL CO-ORDINATORS Richard Bassett Snr. ADVERTISING Call 961 700 200 or email info@eastalgarvemag.com DISTRIBUTION 3,500 copies printed.

All advertisers are issued copies for distribution, along with retail outlets.

COVER PHOTO Richard Bassett.

All rights reserved. Except for normal review purposes, no part of this magazine may be reproduced without the written permission of the publisher. Every care has been taken in the preparation of this magazine, but the contents are only meant as a guide to readers. The proprietors of this magazine are publishers not agents or sub agents of those who advertise therein.

The publisher cannot be held liable for any loss suffered as a result of information gained from this publication

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Contents 10

6 8 10 14 18 20 23 26 32 34 38 40 46 48 50

NEWS

Local news.

HEALTH Fascia.

PLACES

A haven for children in need.

PLACES

Essência restaurant.

PLACES

The Algarve Lights up.

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PEOPLE

de Vere come to the Algarve.

PROPERTY

2017 Property round up.

PROPERTY

Property of the month.

TAVIRA

Find our advertisers on the map of Tavira.

GARDENING

Christmas in the plant world.

FINANCE

Up-to-date news from Blevins Franks.

FINANCE

Finance news from Ricardo Chaves.

SPORT

The latest from Chris Wright.

GOLF

Pro tip from Stuart Martin!

CLASSIFIEDS Grab a local bargain.

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NOTICEBOARD ENTERTAI

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R Music for parties, ba rs and res tau rants, Call Richy , 281 971 484

ALFRESCOS ENGLISH SHOP IN CONCEICAO... are now open 10-8 monday to friday 10-3 saturday and sunday

ENGLISH EUCHARIST As and from October 1st Mass will be in English at 12.15 pm at The Parish of Santa Maria in Tavira and every Sunday

ENGLISH MOBILE

MECHANIC 'WE COME TO YOU AND QUOTE YOU HAPPY' Electrical work, Cam belts, Clutches, Servicing, Brakes Etc. ON ALL MAKES AND MODELS OF CAR or TRUCK! NO JOB TOO BIG OR SMALL! FULL DIAGNOSTIC EQUIPMENT TEL+34 642 458 853 or 00351 914 417 580 email: paul.titcombe@hotmail.co.uk

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TAVIRA AIR CONDITIONING SERVICES

Repair and installation of Air Conditioning.

Quick call out. Call 916415203

Ruy Barros Hairstyling & Beauty Salon Ladies & Gents Welcome to our new space in the centre of Tavira! With a professional and friendly service.

Cut, colouring, perming, hair extensions, hairstyling, hair treatments, massages, face/body treatments, make up artist, epilation, laser, lash extensions, gel nails, nail art, gel polish and much more.

MON - SAT 09.00H - 19.00H All year Travessa Zacarias Guerreiro No16, Tavira Tel +351 281 023 636 Mob +351 964 888 810 or 913 999 906 Email: rbcabeleireiros@gmail.com Rui Barros Cabeleireiros e Estetica

We would like to wish our clients a very Merry Christmas & a Happy New year..

Warm up this month with out fantastic hot oil treatment.. » Hot Oil Facial » Relaxing Hot Oil Massage with hot stones » Scalp Massage

€39 Situated down the avenue from Tavira train station in the square.

I look forward to seeing you...

Tel; 919 630 255 elle_dayspa@hotmail.com 5

News

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Algarve golf continues to lead the country

he Algarve accounts for about 70% of the national golf market, an essential part of the region’s tourism offer with year-to-date figures nearly 5% up on last year’s record performance.

The number of rounds played in the region in 2016 was 10% up on the year before and the indicators for 2017 show continued growth.

According to figures released by the Tourism Association of Algarve (ATA) - the association responsible for promoting the region's tourism to foreign markets - a total of 1.17 million rounds of golf have been played so far

this year, an increase of 4.6% over the same period in 2016.

"We believe we will hit a new record by the end of the year. The exponential growth that the Algarve has been registering since 2014 validates the effectiveness of the strong promotion strategy we have been developing in partnership with the golf tourism industry, whose persistence and resilience after some difficult years is to be commended," said Dora Coelho, Executive Director of the ATA. With more than 40 golf courses in the Algarve, the region is the premier golf destination in Europe, with quality

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infrastructure and a good climate allowing year round play. Following the continuous promotion from the ATA, golf in the Algarve has been gaining international recognition, taking on a central role in the region's tourism revenues.

According to the latest figures from the National Institute of Statistics, the Algarve is the main tourist destination with almost 14 million overnight stays (34.6% of the total overnight stays in Portugal) and is the region with the highest number of overnight stays by foreigners (37% of total), according to the figures to August 2017.

BREXIT BRIEFING

ritish Ambassador Kirsty Hayes recently addressed a gathering of expats in Tavira. It was apparent that many issues have been resolved particularly on healthcare and pensions given that the final Brexit deal is agreed. Full information on negotiations to date can be found at:

Facebook Brits in Portugal. Information regarding Citizens rights can be accessed by Googling: Comparison of EU/UK positions on Citizens’ Rights.

Pic Left: (L to R) Rebecca Sinclair (UK Govt Pensions & Healthcare); Kirsty Hayes (British Ambassador); Jorge Botelho (President Tavira Câmara); Clive Jewell (British Consul).

The

HAIR STUDIO HAIR STUDIO ● CREATIVE HAIR LADIES & GENTS

Benamor Golf Tavira

Cabanas

Conceição

We are here

Source: www.algarvedailynews.com

Professional friendly service for both men and women, Cutting, colouring, perming and re-styling.

CONCEIÇÃO DE TAVIRA, OPEN ALL YEAR ROUND TEL: 916 765 082

Gents Cut 10€, Ladies Cut & Blow Dry 20€.

Mon closed. Tue 10-4pm. Wed 9.30-2.30pm. Thur 10-4pm. Fri 10-3pm.

APPOINTMENT NOT ALWAYS NECESSARY 6

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TAVIRA_WINTER 17.18

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Health

Fascia: what is it and why should you care?

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he term ‘Fascia’ suggests a specific tissue that can be classified as separate from other Connective Tissues.

Dr Guimberteau reclassifies fascia as follows; “Fascia is a tensional, continuous fibrillar network within the body, extending from the surface of the skin to the nucleus of the cell. This global network is mobile, adaptable, fractal, and irregular; it constitutes the basic structural architecture of the human body” Fascia is a dynamic fractal system, composed of multiple strings known as collagen fibrils. This fibrillar network constantly divides to distribute stress on the body but always maintains its unique and repeating geometric arrangement, creating order out of what looks like chaos. There are many examples of fractalisation in human biology. Examples are the cerebral cortex, the pulmonary alveoli of the lungs and the skin. Each of these fractal arrangements serve to increase surface area of the tissues to improve exchange between two different environments. The fractal organisation of fascia, not only increases surface area but also increases the volumes contained within its geometry. Fascia isn’t flat, so Imagine the fibrillar 3D framework forming a series of shapes that are kind of like irregular, permeable footballs (soccer balls) made of triangles which can be squeezed and squashed in any direction in response to mechanical stress. When you squeeze an inflated balloon at one end, the air inside is forced towards the opposite end. As the air is constrained, the skin of the ballon distends as its internal volume shifts position. Granted, a balloon is not like a icosahedron but it does give you a visual representation of a force altering the shape of a structure.

Fascia and emotions Fascia – constitutive tissue, the connective tissue matrix – is tissue derived from the inner, middle germ layer known as the mesoderm. In a phenomenological sense, the mesoderm represents the inside of the body, the fascia represents the ‘innerness’ of the body. The two outer

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germ layers, or limiting borders of the germ layers, are phylogenetically a most recent development; the Ectoderm from which the skin, muscles, brain, and nervous system develop and the phylogenetically most ancient layer, the endoderm, from which the digestive, respiratory and reproductive systems, develop.

As any myofascial therapist will tell you, when working through gentle myofascial work, the clients will often spontaneously experience emotional responses. As tissues, electrical charge, interstitial fluid, and chemicals are moved and released people may: cry, feel sad,or even experience a memory of something in their past which is of particular significance but maybe has been forgotten or repressed. It would be easy to say that fascia stores emotions and that there exists common conflicts of the psyche which effect the biology of human kind in such a way that underlies all disease. For example, conflicts that impact tissues associated with the mesoderm. In this instance, let’s refer to the connective tissues based around various levels of self devaluation and attack, the Endodermal tissues are effected through conflicts relative to basic survival and Ectodermal conflicts are those which are based around territory and separation. We can think of the connective tissue matrix, in an emotional sense as the mechanical equivalent to the knee. The knee sits in between two other joints which drastically influence its function.

Ultimately, the representation of the self, ones own worth in life emotions get shaken up, released, or made relevant if you will, through handson-work, such as myofascial release.

There are also molecular and electrical explanations which can be broughtin to help describe mechanisms of emotions effecting the tissues.

When one decides to focus on a particular aspect of the body, be it biomechanics or even functional neurology, but remain to work with a generalised client base, we are inevitably lead back towards trying to understand the interaction of the

body, brain, and mind as a whole. But it’s not just the receptors which afford fascia a potentially influential role in movement control. It’s actual structure and adaptability, it’s form, is also suggested as part of the equation. The geometry of fascia helps us to resist the forces of gravity and to maintain and resist the immense pressures which act upon the human structure.

It is the form itself which also serves to provide the body with its incredible adaptable and explorative capacity for coupled mobility and stability in multiple directions and orientations.

Fascia, therefore is the geometry, communication, and connection of the body and the mind with itself. Visit Fisioclube Holistic Therapy Center, where we can improve your quality of life and well-being.

Fisioclube FUZETA

HOLISTIC THERAPY › Osteopathy › Physiotherapy › Global Postural Re-education (RPG) › Nutritional Therapy › Iris Diagnosis › MicroKenesitherapie › Neuromuscular Balance › Auricular Therapy › Neural Therapy › Therapy Taping › Cupping Therapy › Quantum Therapy › Flexion-distraction system › Neural Biopunture

Tel 962 777 701

email duarte@fisioclube.net www.fisioclube.net

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Mulled wine

LIVE JAZZ

La Petite France Bistro

A real taste of France in Tavira French wines • Foie Gras • Baked Camembert • Home made Chocolate Mousse • Gazpacho

Tel 967 668 252 Open Weds - Sun 12pm till late.

6pm till late, Closed on Mondays & Tuesdays

Extensive range of wine's and Cocktails.

Open New Years Eve. See Facebook for Event details

lapetitefrance.tavira email: Lapetitefrance.tavira@gmail.com Find us on the Map, see page 32

Filet Steak & Duck breast on the Stone, BY RESERVATION ONLY

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Baked Camembert

Raclette

Chocolate Mousse

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Places

A haven for children in need T

his month we were very kindly welcomed by Dr. Luis Villas-Boas and his team whilst visiting Refúgio Aboim Ascensão, a private internationally recognised non profit Christian Charity Organization, working to better the lives of abused, abandoned and neglected children under the age of six.

Since 1985, Refúgio’s specialized model of care ‘Emergencia Infantil’ dedicated to infants and young children at risk, has earned numerous national and international awards. Dr.Luis was also awarded the prestigious - Diana Princess of Wales Award in 1998 and was also made an honorary member of the council of the NSPCC (National

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Society for the Prevention of Cruelty to Children), in 1992 and remains a role model for infant care around the globe,. His work has been compared to that of pioneering Benjamin Whall founder of the NSPCC at the end of the 19th century.

Refúgio Aboim Ascensão was founded in 1933 in Faro, by Manuel de Sande Lemos, in recognition of his uncle Rodrigo’s will. It was Rodrigo Aboim Ascensão, who founded The Protective Association of Early Childhood in Lisbon in 1901.

It was initially established as a breast milk support centre for single mothers, then a medical service for newborns and premature infants.

The founder’s primary goal “Support for Early Childhood” has been the

institutions technical and methodical focus over the years, and since 1985 the Refúgio has undergone a number of changes with regard to its facilities, social framework, and clinical and teaching services for children temporarily living at the Refúgio.

Based on agreements made with the ‘Ministries of Social Security, Justice, Health, Education and the Municipality of Faro’, the Refúgio is now a major centre for temporary emergency protection – the first to be created in Portugal for at risk children of both sexes, from newborns to six years of age.

The Refúgio derives no income or profit from its programme and heavily relies on donations.

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Places

The doors of the RefĂşgio Aboim AscensĂŁo are open 24/7, 365 days a year, ready to help better the lives of abused, abandoned and neglected children

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Places

The Emergencia Infantil program, created by director Luis Villas-Boas on August 1st, 1985, was an effort to continue the child protection reconstruction work begun at the Refúgio, to benefit children at risk.

Emergencia Infantil’s primary aim is the rapid re-integration of a child to its natural family. As the first and primary temporary centre for child protection in Portugal it aims to reconnect children with their families whenever possible, if not, it facilitates alternative family arrangements such as adoption, but only upon the competent court’s decision when it is not possible for children to return to their families.

Over the years Emergencia Infantil’s unique and effective model of intervention has been recognized nationally and internationally for its ability to help children as they have ‘the right to be loved’.

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Refúgio Aboim Ascensão has participated and promoted seminars, meetings and conferences for both European and International participation, such as the International Children’s Forum in 1997, which included participation of 57 countries. It continues to voice the rights of abused and neglected children and with benefit of early intervention to help children who are at risk.

The Refúgio is a very friendly and welcoming place, hosting many children’s events and visits from special guests and friends from the community. You are more than welcome to visit them at any time and see for yourself the amazing work and environment that they have created for the children; the latest arrival was a baby girl who was just a few days old. Providing professional care services on a 24 hour 365 day

a year schedule, therapists and technicians of varying specialities form part of a weekly schedule including evening, weekend and holiday rotations to ensure quality care on a continual basis. The team consists of; 3 Occupational Therapists, 2 Physiotherapists, 1 Speech Therapist, 1 Medical Doctor, 3 Psychologists, 9 Childhood Educators, 3 Social Workers.

Upon entering the Refúgio, each child receives an individual assessment by the professional therapy team and a program of care is designed for them, depending on their specific needs. Therapists work with children in order to enhance and develop their sensor motor, cognitive interaction and communication skills.

To achieve this development many

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Places

Above: The large courtyard playground Far Left: Children are entertained by local artists and performers Left: The dormertaries are immaculate

different objectives and techniques are applied such as Neuro development, Sensorial Integration, Hydrotherapy, Baby Massage, Postural Alignment and Activity Training, amongst many others.

Psychotherapy The Refúgio’s psychotherapy program consists of 3 clinical psychologists who have the appropriate material for diagnosis and therapeutic interventions.

The Objective Their main purpose is to provide children a safe, structured, happy and healthy environment, while giving them tools to develop confidence and self esteem for the future and ultimately, to either return them to their biological parents or an adoptive one after a court decision and social security services select a candidate.

It has the capacity for 95 children, plus special emergency protection for an additional 5. Non profit making, they appreciate the many forms of assistance that they receive from local, national and international supporters, their work would not be possible without those contributions.

They welcome many forms of volunteer work to enable them to provide the best possible care for the children. If you would like to be considered for a volunteering position, please do contact them to discuss the best way the children can benefit from your help.

“We endeavor to provide a superior quality of life for infants and children needing shelter and protection. This work however would not be possible, if we were not in receipt of the support from the community, businesses and citizens throughout the country. It is with their financial contributions Refúgio Aboim Ascensão is able to provide the enhanced care abused and neglected children need”. If you are interested in helping them continue this work they would appreciate your consideration, and ask you to get in contact with them through their website www.refugio.pt, or please, as we did, visit them yourself.

Very many thanks to everyone at The Refúgio Aboim Ascensão it is a truly special place.

An Elephant for Christmas?

……. or maybe a Chevrolet

Ray Simes, the artist in Cabanas raysimesartistincabanas@hotmail.com 914 495 724 Paintings on display at Somewhere Else Tavira and The Hairy Lemon Conceicao

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“The Strings & Things Show Band” Christmas Shows and Dinner 20.00 euro only: 3 Course meal, inc drinks with meal & coffee, at 2 venues: Sat 9th Dec: The Horta Restaurant, Tavira Road, Sao Bras de Alportel.

Sat 16th Dec: The Fonte da Pedra Restaurant, Sao Bras de Alportel.

Reservations/enquiries: 919 968 768, 920 498 891 Don’t miss these Fabulous Fun Nights!

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Places

Essência

We visit restaurant Essência a year after they opened and are pleased to report that they have had a great year and are still producing Master Chef quality food.

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ocal Entrepreneurs Tiago Dos Santos and Carlos Rocha have been friends from the very early days, at primary school. They fulfilled their dream to provide pure quality and friendliness at their stylish, restaurant “Essência “ in December

2016.

Located in the village of Cacela, the modern, inviting space serves lunch and dinner from the cozy outside decked terrace and the stylish restaurant. Mouthwatering dishes are freshly prepared by Carlos, to ensure a heavenly experience.

Tiago and his family are from Cacela whilst Carlos is from Vila Real De San Antonio. After leaving school the friends parted; Tiago went into the construction industry, firstly working locally, moving on with his company to Peru in 2012, then Angola and now Rwanda.

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Chef Carlos studied at the famous Catering University in Faro and went on to gain invaluable experience in Lisbon, at the Casino de Lisboa for a year. He returned to the East Algarve to the prestigious Restaurants O Infante where he stayed for five years and then to the famous sister restaurant, with its ocean views at Praia Verde for four years.

It was after meeting up for a holiday that they decided to extend their friendship and become business partners and with the help of Celia, Tiago’s sister, Carlos, with his wealth of experience, prepares sumptuous dishes.

It is the policy to make their clients feel right at home and to ensure a thoroughly exquisite experience. They pride themselves on service and each client is treated like family. They're proud of their reputation and experience which shows through small but very important touches

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"Wonderful food and ambience!

This restaurant is an experience not to missed. Tucked away near the market in cacela. This is fine dining a real treat. Excellent chef and lovely waitress a warm welcome is assured. We have been here 3 times. And can't wait to go back. It is not cheap but certainly special".

(Trip Advisor)

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"New star in Cacela" "Really nice restaurant, variety of food and great suggestions. A bit more expensive than the average restaurant but significantly better than average. My new favourite on Cacela"! (Trip Advisor)

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such as; your wine bottle cork is placed in a vase at the entrance with other clients' signatures written on them, just one of the many signs of their passion for their clients' “all round experience”.

Whether it is lunch or dinner, a sweet or savoury dish, everything is divinely prepared by chef Carlos. The menu is made up of traditional cuisine with a touch of the spice and experience from Tiago’s travels and includes, Monkfish curry, Toasted Goats Cheese with Dried Fig and Apple, Caramelised Scallop with Pearled Sauce, Octopus Tempura or Ceviche with Shrimp and Vanilla. Delight with a main course of Braised Octopus with Pepper Trilogy and Sauté Potatoes, Shrimp Neri Rissotto with Ginger or a Showcase of fish; Croaker, Sole, Turbot, Sea Bass, Gilded Catfish and Red Mullet.

Rice and Cataplana speciality dishes are offered together with Lamb Rib, Duck Magret with honey and orange, or Grilled Rib Steak with fresh aromatic herbs and a potato au gratin with mushroom sauce. Desserts to delight include; Red Fruits Cheescake, Chocolate Mouse or

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People

Mango Panna Cotta with Cinnamon.

An impressive selection of fine Portuguese wines have been chosen to compliment your meal and of course there is an international bar.

Speciality dishes are prepared each week and Carlos ensures that his guests feel they have their own home chef, tailoring any dish to suit the palate and mood.

"Essences is the best of us, the one that makes you feel special".

Now together with Denise the professional team at Essência are celebrating their first year with a variety of International regular clientele and are proud of their success with both local people and visitors. We wish the team much continued success in the future.

Open for Lunch Midday till 3pm and Dinner 6.30-11pm.

Closed Monday's.

Open Christmas Day and New Year's Day Facebook: Essencia Email. Essencia.net@sapo.pt Info@essencia.restaurante Telephone 281 956 118.

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Places

THE ALGARVE LIGHTS

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Places

UP

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Enjoy our selection of Christmas lights from OlhĂŁo and the Forum algarve

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Senior area manager, Andrew Oliver

Financial advisory giant, deVere, launches in the Algarve

One of the world’s largest independent financial advisory organisations has now launched in the Algarve as it looks to further expand across Portugal.

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art of deVere Group, one of the world’s largest independent financial advisory organisations, deVere Portugal is based in Tavira, from where it now offers bespoke, independent and expert financial advice to expatriates and internationally-focused investors.

This division is headed by senior area manager, Andrew Oliver, who is widely recognised as one of the international financial industry’s most qualified advisers. His formal qualifications span a variety of key areas, including tax planning, trusts, portfolio planning, pensions, mortgages, and equity release, amongst others, plus he has an MBA Masters in Finance.

Mr Oliver comments: “deVere Portugal’s goal is always for the greater good of its clients and, by consequence, for the betterment of the financial industry within which it operates”.

“Indeed, from its stronghold position, clients, product manufacturers, regulators and the media all look to deVere Portugal to lead the intermediary way across the country.” deVere Portugal is supported by the unparalleled size and strength of deVere Group, which has over 80,000 clients in more than 100 countries, and over $12 billion under advice.

Mr Oliver continues: “Naturally, for clients, size is important. The sheer size of deVere means it’s best-placed to cater to evolving client needs and expectations.

“As people become increasingly aware of the tangible benefits of independent financial advice in growing, maximising and safeguarding their wealth, and as there are ever more options for them in the market, client expectations are, rightly, developing and heightening.

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This is something that is welcomed, and adapted and evolved to meet.

“Clients are at the very centre of everything deVere Portugal does; the overarching mission is to help secure their financial objectives. This is the laser-like focus in all client dealings.” deVere Portugal offers clients an extensive range of financial products and services that, unlike other more rigid financial organisations with smaller offerings, enables the company to offer clients a holistic, comprehensive life planning approach.

These services range from investments, life assurance and family protection, through education planning to retirement, inheritance tax and succession planning. Complimenting these services are separate divisions including the deVere Tax Consultancy, deVere Foreign Exchange, Legal Services, and deVere Mortgages.

And with established working partnerships with some of the world’s leading financial institutions, those solutions are often unique to the company and its clients.

Furthermore, clients enjoy other associated benefits such as marketleading technologies, a comprehensive range of products – many of which are exclusive to their clients, and well-established relationships with the world’s leading financial institutions.

Mr Oliver goes on to say: “The independent financial advisers at deVere Portugal have a reputation for

excellence. As expatriates themselves, they are fully aware of the importance and value of being able to use the status of ‘expat’ to their financial advantage. They help clients maintain a globally-orientated portfolio, and assist them to realise their tolerance to, and mitigate risk, make the most of opportunities, help highlight the most appropriate investment and financial planning solutions for them, and access offshore investment and saving opportunities.

“This all helps to provide clients with invaluable security and peace of mind.”

The Senior Area Manager concludes: “deVere Portugal is a far-sighted organisation, driven by an unswerving desire to be the most trusted independent financial advisory firm, recognised for its integrity, ambition and unique ability to provide the most innovative, longterm financial security for its clients.

“Through best practice across all of its operations, deVere Portugal aims to deliver a flawless service, putting its clients in the very best of financial positions.”

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CASA DO POVO Moncarapacho... What's On Sunday Lunches from 12.30 until 15.00

Free starters during December and January

Fish and Chips Weds 12.30 til 14.00 Fri 19.00 til 20.30 Free starters during December and January.

Beginners Bridge

Wednesday morning 10.00 til 13.00

SPECIAL LUNCH OFFER!

Professor Nuno Brazona wishes everyone a Happy christmas and New Year

BIODANZA Roelinde

Boogie Woogie Classes

Wednesday evening 18.00 til 19.00

Bio Dancing/ Danza

Every Wednesday 16.00 hrs til 17.15 Tel 961 211 360 English & Dutch 926 854 687 German & French 917 881 206 Portuguese

Casa Do Povo

Contact teenyweiss@gmail.com or text 920362233 Moncarapacho

Every wednesday From 16.00 - 17.15

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Roelinde (english-dutch) 961211360 * Frans (german-french) 926854687 * Clare (portuguese) 917881206

2017

PROPERTY REPORT PROPERTY

Property expert Robert Bijker brings us Land & Houses Algarve's round up of the 2017 property market and looks forward to 2018.

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very year in December, we property market has found new economic uncertainty is reflected in reflect on the past year and momentum. This in turn has led to the volatility of the exchange rate. provide an outlook for the higher turnover for local businesses, However, we see most buyers from property market in the year lower unemployment and more the UK hedging themselves once ahead, 2018. During the past revenue for the government. We agreement has been reached over 12 month’s real estate continued to believe that the property market will the purchase price of a property. be popular for both permanent living remain buoyant throughout 2018 Financially, Portugal is in a better and investment. The total number supported by a solid and broad- position which is reflected in the 1.9 of visitors to the Algarve continued based economic expansion in percent yield on 10 year government to increase in 2017 and surpassed Europe as well as the continuation bonds, down from 2.3 percent last the all time high recorded in 2016. of a low interest rate environment.

May. It peaked in 2012 at 18 percent This is mainly due to the continuous The demand for properties this year at the height of the euro region popularity of the destination as came predominately from buyers debt crisis. The ministry of finance well as the influx of hundreds of from Scandinavia, France, Germany, expects the debt to GDP ratio to thousands ´newcomers´ from other Italy and The United Kingdom come in at 126.2 percent in 2017 holiday destinations in countries and often in relation with the NHR and to drop to 123.5 percent in 2018. that are currently facing turmoil. The program. Where buyers of property Even if the 2018 target is achieved, weather conditions have been it remains dangerously high. very good all the way up to The reduction in the debt to "Financially, Portugal is in a better the end of November, much GDP ratio is mainly due to to the delight of visitors who position which is reflected in the 1.9% an expanding economy, not will leave with fond memories yield on 10 year government bonds, because of a reduction of the of the Algarve. When back absolute level of debt which down from 2.3% last May". home, word of mouth will do rose from € 72 bn in 2007 to the rest. Most reasons for € 249 bn (up from 239 bn in the popularity of the Algarve have with the Golden Visa program tend 2016). The government aims to been the same for a long time: 300 to favour areas like the golden narrow the budget deficit in 2018 to days of sunshine, beautiful sandy triangle in the Algarve, Porto and the 1 percent of GDP. Economic growth beaches, reasonable prices, good greater Lisbon area, NHR applicants is expected to slow to 2.2 percent in flight connections, excellent cuisine seem less focussed on a particular 2018, down from 2.6 percent in 2017. and friendly local people. Having area and tend to have a preference The unemployment rate is expected said this, in combination with tax for apartments, townhouses and to drop to 8.6 percent in 2018, down incentives such as the Golden Visa villas in urban areas. The British from 9.2 percent in 2017. and the Non Habitual Resident (NHR) continued to buy property seemingly For the first time since 2010 all Programs, as well as the relatively undeterred by a weak Pound and leading economies are expanding in low tax on short-term holiday rental ongoing Brexit saga. The resulting 2017 and Portugal benefits from this income, there is a sense that the unprecedented political and too. However, there is little sign that

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23

Property Portugal is using the opportunities offered during the recovery for structural reform of the economy and runs the risk of wasting a once in a lifetime opportunity to get its finances in order. The period of ultra-low interest rates and QE will not last forever. Instead, it seems to choose to be rather happy to enjoy the economic recovery and greater optimism after a period of austerity.

Foreign buyers continued to be attracted by the Golden Visa and the NHR program. Especially the latter as more and more people from Northern Europe learned about this program and the benefits. The NHR program is a scheme for individuals who have not been a resident in Portugal during the past 5 years. Once an PROPERTY MANAGEMENT ALGARVEAN COTTAGES

V I LLAS

individual has been granted the NHR status, he or she will be exempt from income tax (work, royalties, pension, interest and dividend) for a period of 10 years. This program is an attractive proposition for many foreigners who like to capitalize on a recovery in property prices while having a 10 year tax holiday.

The construction sector is also performing better than expected, with newly built residential property up by 8 percent year-on-year during the period of January to October 2017. Demand for good quality properties is outstripping supply, which we expect to continue in 2018.

Due to the recovery in construction, there is upward price pressure for building materials and skilled labour.

H A P P Y H O M E S A L G A RV E

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Renovation of old properties in town centers are popular amongst investors as there are several benefits as part of the urban rehabilitation program, such as a lower VAT rate (6 percent) on construction materials which effectively reduce building costs by more than 10 percent, no cost for the building license, exemption of IMT (property transfer tax) and exemption of IMI (council tax) for 3 years. Some banks offer preferential interest rates to finance the renovation work.

We continue to be in a low interest rate environment. The interest margin banks charge their best customers is 1.15 percent, which is 10 basis points lower than a year ago. For those who prefer a fixed rate over a floating rate mortgage, the interest rate is 1.35 percent for 5 year fixed consisting of the interest margin of the bank and the 5 year swap rate of 0,20 percent. The current interest rate of a floating rate mortgage is 0.89 percent (1.15 percent - 0.33 percent / 3 month Euribor) but one would be exposed to interest rate fluctuations. The low rates and increasing availability of mortgage financing has resulted in a sharp increase in mortgage lending. Banks in Portugal do not offer 10 – 20 year fixed mortgages. The question is for how much longer will interest rates stay low? The ECB has indicated that it is extending its economic stimulus programme (QE) until at least September 2018, although bond purchases would be halved to Euro 30 bn per month while at the same time saying that, should economic conditions warrant it, the program would continue. In other words, the ending of QE seems to be open-ended. It also intends to keep interest rates low well beyond the end of QE which suggests rates will stay at the current lows until 2019. The general perception is that interest rates are kept artificially low and in the future move back up. As a mortgage on a property is a long term commitment, the possibility of higher rates makes some people uncomfortable. They are in good company. Former fed chairman Alan Greenspan recently warned about bond markets to be in bubble territory, and when the bubble bursts, it will be bad for everyone. A study by Paul Schmelzing (Harvard University) of real risk free rates (The return on an investment with zero risk. Long dated government bonds of countries with a high investment

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Property rating are often used as benchmark) buyers. The balance in supply and (the largest economy of Europe) is covering the past 700 years shows demand is changing more and more largely ignored. a decline since 1980, but is actually in favour of vendors as demand is The Portuguese government has part of a downward trend covering 5 outstripping supply. Some banks published their budget proposal centuries. There have been 9 periods still own properties which they for 2018. There is a possibility for of real rate depression before, which foreclosed on during the financial taxation of short term rental income on average ended after 26 years. crisis and are now being able to (Alojamento Local) as well as the We are currently in the 34th year, offload on the back of a rising NHR program to be changed. If the second longest on record, which market. The residential property this were the case it would send saw dramatic changes in technology, market in general is in pretty good a negative signal to current and demographics, globalization and shape with strong demand from prospective homeowners. Once the a saving glut. It is not if but when buyers and renters alike. new budget for 2018 is endorsed and this trend will reverse. If history is a In our base case scenario at the end include changes to the AL and NHR guideline most upward corrections of 2016 we expected transaction regime that would be a negative for are sharp. Within two years from volume of residential housing to slow the property market. the trough rates on average move down in 2017 while prices of existing For 2018 we expect another good up by 315 basis points. For some homes sales to rise between 4 – 6 year for real estate with a further this is enough reason to have percent. On average the price of a pick up in new construction of preference for a fixed rate mortgage. property over the past 12 months residential property. The plans that In Portugal most mortgages have has appreciated by 7 percent, various councils have announced a floating rate based on 3 are taking more time to or 6 months Euribor. Rising start, but this is common "The construction sector is also interest rates are therefore in Portugal. They range passed on to the homeowner, performing better than expected, with from developments such as hurting disposable income with housing in the newly built residential property up by 8 marinas and economic activity and council of Olhao, Faro, Vila may become an issue in percent year-on-year during the period Real de Santo Antonio to 2020/2021. the abandonment of a large, of January to October 2017" Property ownership by Euro 1 bn development in offshore companies is about Vilamoura. The latter would to become less attractive. Portugal slightly above the top end of our have represented one of the largest is implementing the Beneficial expectation. We were cautious with real estate developments in Portugal Ownership Register regime, a recent our transaction volume outlook and is now for sale. In Tavira a project EU directive which requires the for the year as at the time the rise for a marina with housing on a prime name of the beneficial owner(s) to be of populist and nationalist parties location in the center of town has shared with other countries. As usual, across Europe was a cause for been in the offing for a long time. there are fines for non-compliance concern with upcoming elections in Highly desirable properties in prime as high as Euro 50.000. Offshore France, Germany, The Netherlands locations are always in demand and centers will need to comply with new and Austria. That could have been we look forward to seeing these rules, such as implementation the the start a period of uncertainty and projects come to fruition.

Common Reporting Standard (CRS), hurt discretionary purchases such In our base case scenario we expect have agreements in place for the as a second home abroad. Although transaction volume of residential automatic exchange of information populist parties did gain ground they housing to continue to be robust in with all EU member states before did not gain the majority of votes in 2018 while prices of existing homes the end of 2017. This may cause a any of the countries which proved sales to rise between 7 – 9 percent. problem for companies registered to be beneficial for the market as Considering all of the above, we in Delaware, as the United States is transaction volume continued to expect the year 2018 to be very refusing to be part of the CRS. This exceed our expectations. exciting. could mean that Delaware loses its When forming a well informed Robert Bijker status as white listed jurisdiction in opinion about the market outlook Director which case companies could face for 2018 one has to take into Land & Houses Algarve – almost a 20 fold increase in their consideration not only the economic Yellow Homes council tax rate. The normal rate prospect of Portugal for the year www.landandhousesalgarve.com depending on the location of the ahead but also of other economies. www.landandhousesalgarve.de property/council is 0.4 – 0.5 percent, The economic outlook for Portugal where as the punitive tax rate is is improving on the back of a Tavira Office 7.5 percent. The alternative is to solid and broad based economic Rua Dr. José Pires Padinha 178 redomicile the Delaware company expansion in Europe which is likely 8800 - 354 Tavira to Portugal or to sell the property. to continue into the New Year, as Tel: 281 320 281 Having said this, the United States recent economic data shows that Fax: 281 321 901 (AMI – 6232) may in the end decide to comply. the European economy is picking up If properties do come to market steam. Economic confidence in the Vilamoura Office EN 125, because of this, we expect that they euro zone has surged to its highest Benfarras Boliqueime 8100 - 068 be met by eager buyers. level since the introduction of the Boliqueime Tel: 289 301 294 Just like last year, newly built Euro in 1999. As such the Catalonia Fax: 289 301 43 properties that came to the market crisis in Spain and the difficulty of were quickly snapped up by eager forming a government in Germany

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25

Property

Detached 3 bedroom villa with double garage. Sitting in fenced garden plot of 1800m2

Property of

PROPERTY REQUIRED: Moncarapacho, Sรฃo Brรกs, Estoi, to Tavira area, please call or mail.

26

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Property

the month

RUSSELL & DECOZ REAL ESTATE Tel: 00351 289 792 785 Mobile 963 085 580 Email: sales@russell-decoz.com With a 49m2 double garage this property could easily provide a family home and space for a self contained unit for friends and family. Located in a quiet country location with garden on all sides and small sea views. Bargain! * Borehole * mains water * 3 phase electrics * Electric water heating * Under floor heating * Oil fire * Air conditioning unit * Wooden & aluminium windows & doors * Security shutters * Alarm * Telephone line * Sat dish Covered terraces * Master bed* room with private terrace * en-suite facilities * Fenced and gated * Cobble stone driveway * Palm trees, figs and almond * Private drainage * Sea view REF:- 1737V LOCATION:Moncarapacho ENERGY CERT:- C

€295,000

www.russell-decoz.com

AMI License nº 870 - Member of APEMIP nº 1178 Av. Maria Lizarda Palermo 43a, 8700 - 081 Moncarapacho, Algarve, Portugal

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AMI 8799

LwL Properties.com, Nº40a, Rua 1º de Maio, 8800-360 Tavira Office: 00351 281 327 656, Voip: 02070999193 Email: info@lwlproperties.com Web: www.lwlproperties.com

Modern Four Bedroom Villa with Pool and Garage – Tavira, 645,000€, Ref: 4531787

Top Floor Four Bedroom Apartment on Resort, with Pool and Garage – Cabanas de Tavira, 400,000€, Ref: 4532145

Very well presented villa, in a highly sought after location, panoramic country and distant sea views. Built in 2008 to a very high standard, a great deal of thought given to the layout. The land is mostly flat, and landscaped around the villa. Large plot gives the feel of calm and privacy, Santo Estevão is only a few minutes away, and Tavira is just a 10 minute drive. This property really is a must see.

TAVIRA

Fantastic top floor apartment, located within a lovely coastal resort, less than 1000 meters from the waterfront of Cabanas de Tavira. The resort benefits from a restaurant, cafe’s, a pub, two swimming pools, landscaped gardens, and lots more, making this is a great resort for holidays all year round.

Fantastic Three Bedroom Villa with Pool – Tavira, 465,000€, Ref: 4059764

Spacious, charming villa situated in an elevated position, great sea and country views. Good sized plot with landscaped gardens, fruit trees, and a large pool. Faz Fato is close to Cabanas, and Tavira with all amenities such as cafés, shops, restaurants, and beautiful beaches within a 15 drive. A great investment opportunity for someone looking for a unique property with character.

TAVIRA

CABANAS

EastAlgarve M

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PROMOTE YOUR BUSINESS WITH US FROM ONLY €65, UP TO €295 FOR A FULL PAGE If you would like to promote your business with the East Algarve magazine contact us on info@eastalgarvemag.com or Tel 961 700 200.

As an advertiser you automatically become a distributer, and will be provided with a number of copies to issue to your customers.

28

Company AMI 7673 Office: Tel/Fax 281 952 820 Mobile: 00351 911 041 862 Casa Anibal R/C loja B, Estrada da Manta Rota 8900-038 Vila Nova de Cacela

SALES: www.algarvemantaproperties.com RENTALS: www.algarvemanta.pt EMAIL: sarah@algarvemanta.pt

LUXURY COLLECTION

3 BED GOLF VILLA IN AREA CASTRO MARIM 420,000€

REF: 2228 • Private pool • Stunning views • Air conditioning • Remodelled bathrooms • Equipped modern kitchen • Situated in very peaceful area • Very secure 24 hour security • All benefits and discount at clubhouse • Three suites 2 ground floor 1 upstairs • Charging point and private parking

4 BED PRIVATE VILLA OUTSKIRTS OF TAVIRA 499.000€ REF: 2127

• Lovely area backing on to salinas • Private pool • Lots of outdoor space • Open plan living/kitchen • Fireplace in living room • Under floor heating and air con • Large basement storeroom • Close to tavira town • Peaceful street residencial • Generous room sizes

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OUR SUMMER FESTIVE ALGARVE BEST BUYS PROPERTY BUYS

4-BED VILLA, TAVIRA - €487,000 A very well maintainedWITH property with a nice landscaped 2-BED APARTMENT SHARED POOL - €158,000 Lovely first apartment in Cabanas with location two bedrooms, garden andfloor a private individual pool. Quiet 10 one ensuite. sizedcentre. living room with balcony. Ideal minutes walkGood to Tavira holiday apartment with good rental potential.

3-BED REFURB APARTMENT - €185,000 Second floor refurb in Urb Mato-Santo Espirito.

2-BED HOUSE WITHapartment ANNEX AND POOL €297,500 Very high spec with views south the 2km sea and Lovely classic house in small towntoonly fromnorth the to beach of Praia Verde.

This south facing plot includes the the countryside.

Lovely covered balcony. main house, annex, pool and great views.

NEW 4-BED VILLA IN REAL SANTO ANTÓNIO - €595,000 FIRST FLOOR 2-BED APARTMENT - € 155,000 Recently built villa 3 minutes from Monte Rei golf and Immaculate only 10-minutes to the centre 8km from theapartment beach. The plot is over 12,000m2.

Well-of Tavira.

Very well maintained home from in a very location finished, modern décor and views everyquiet window. with roof terrace and underground parking spot.

2-BEDROOM VILLA ON LARGE PLOT - €195,000 Located in Faz Fato in IN a peaceful setting on a RUIN WITH PROJECT TAVIRA country - €149,000 Lovely ruinplot facing 2 streets with project in place for Itmodern spacious of 3,260m2 established trees. also open plan a2-bed, features small 2-bath plungehome pool. with terrace and garage.

Great views over the town from large rooftop terrace.

The Best of the Algarve Close to Beaches & Golf Rua 1º de Maio 32, 8800 -360 Tavira Tel: +351 96 25 66 421 - www.proluna.com

r.nagelsmit@proluna.com www.eastalgarvemag.com

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MAIN OFFICE – (Waterfront) Ava Ria Formosa, Centro Comercial Loja 2, 8800-591 Cabanas de Tavira TEL: 281-370277 FAX: 281-370761

GB E

OFFICE – E.N.125, Cevadeiras, 8900-024 Vila Nova de Cacela TEL: 281-951165 FAX: 281-951438

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HOUSE W/ 11 ROOMS +GARDEN + PATIO - CASTRO MARIM Situated in a typical street of the historic village. In need of complete refurbishment. View of the castle. ***ENERGY CLASS - E €110.000

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www.tavirahouseandhome.com info@tavirahouseandhome.com

Office: (+351) 281 328 210 Juliet (+351) 918 621 994

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I

Visualizing the Journey to $10,000 Bitcoin

t has been a breakthrough year for the world’s original cryptocurrency. At time of publication, the bitcoin price is at $9,650 – about 10X higher than how the cryptocurrency started the year. Further, bitcoins are now on the brink of passing the important psychological barrier of $10,000, and it could do so at any moment based on current momentum.

Today’s infographic from Blockchain Intelligence Group helps to visualize the ups and downs of the cryptocurrency on its journey to $10,000.

THE JOURNEY TO $10,000 BITCOIN Here are some of the key events that transpired over the last 11 months:

TIMEFRAME DESCRIPTION January 2, 2017 Bitcoin closes above the $1k mark for first time in 1,124 days Mid-January 2017 China cracks down on crypto, partly to help control capital outflows March 2017 The number of GitHub projects related to Bitcoin passes 10,000 May 4, 2017 Bitcoin surpasses $25B in market capitalization August 1, 2017 Bitcoin forks into two digital currencies, Bitcoin (BTC) and Bitcoin Cash (BCH) August 5, 2017 Bitcoin surpasses $50B in market capitalization September 4, 2017 People’s Bank of China announces that it’s implementing a freeze on ICO funding.

September 8, 2017 It’s leaked that China is shutting down all Bitcoin exchanges in the country September 12, 2017 JP Morgan’s Jamie Dimon calls Bitcoin a “fraud” September 28, 2017 South Korea bans raising money through ICOs October 20, 2017 Bitcoin passes $100B in market capitalization October 24, 2017 Bitcoin again forks into two digital currencies, Bitcoin (BTC) and Bitcoin Gold (BTG) October 30, 2017 Vietnam bans Bitcoin and other crypto payments November 26, 2017 Bitcoin passes $150B in market capitalization And here is how long it took bitcoins to hit each $1,000 barrier: TIME 138 days 23 days 63 days 61 days 10 days 13 days 17 days 7 days

EXACT PERIOD Jan 2, 2017 - May 20, 2017 May 20, 2017 - June 11, 2017 June 11, 2017 - Aug 13, 2017 Aug 13, 2017 - Oct 12, 2017 Oct 12, 2017 - Oct 21, 2017 Oct 21, 2017 - Nov 2, 2017 Nov 2, 2017 - Nov 19, 2017 Nov 19, 2017 - Nov 26, 2017

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DESCRIPTION $1,000 to $2,000 $2,000 to $3,000 $3,000 to $4,000 $4,000 to $5,000 $5,000 to $6,000 $6,000 to $7,000 $7,000 to $8,000 $8,000 to $9,000

Note: These time periods are calculated based on closing prices for the Bitcoin Price Index on Coindesk.

For more information or to discuss email: richybassett@hotmail.com

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c Tavira Câmara t Tourist Information

BARS & CAFES 1 Cafe Meringue

PLACES TO VISIT 1 Casas das Portas 2 Casas das Portas 3 Fado Com Historia 4 Kozii store 5 Kozii store 6 Tavira D'Artes 7 Tavira Discount Warehouse 8 Tamam 9 Blossom 10 Baú de Barro 11 Carlos Pascoal

SERVICES 1 A.F.M. Accountants 2 Ibex Insurance 3 Rui Horter Lawyer

HEALTH & BEAUTY 1 Elle 2 Rui Barros

REAL ESTATE 1 Land and Houses 2 LWL 3 Red Invest 4 Tavira House and Home 5 To Go For Homes 6 Proluna

RESTAURANTS 1 Abstracto 2 La Petite France

Tavira Art Corner wishes you Happy Holidays

Tavira Art Corner Local Artists stores, opposite the old market

Rua Dr Jose Pires Padinha, n.86 8800-354 Tavira - Portugal www.blossomfotosandmore.com (00351) 918 050 612

Jewelry Art School in Tavira classes everyday Draw and make your own jewels

Nature`s Forces is a jewelry collection designed and made by hand

by Carlos Pascoal open 10-13/15-18,30 h closed sundays and mondays Contact me please by 960460933

Wall Decoration Canvasses Woodprints Metalprints Acrylprints

Postcards Coasters Foto Souvenirs Workshops Photography Webshop EU

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*Gallery* Local Ceramics Hand Paint Tiles Local Artists custom made designs for your Home SUPPORT LOCAL ART BY LOCAL PEOPLE, MADE WITH LOVE

www.eastalgarvemag.com Rua

Dr. José Pires Padinha N. 76-86 Tavira

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Gardens

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Christmas in the Plant world The tradition of filling our houses with evergreen plants during the winter can be traced back centuries when evergreen plants were symbols of eternal life and a reminder that spring sunshine would return. Now we fill our houses with seasonal evergreen plants for Christmas decorations.

Mistletoe (thought to literally mean “dung on a twig“) Characteristic pairs of oval leaves with small cluster berries.

Kissing under the mistletoe (complete strangers or family and friends!). The kissing tradition was first recorded in the 16th century but was not popularised until the 19th century Holly Glossy dark green leaves with spiny toothed edges, small white flowers, small round, red or orange fruits. Holly wreaths, first worn by the druids, later linked to Christian beliefs about the crown of thorns worn by Jesus Ivy Flowers are small and greenish-white, produced in autumn; berries are usually greenish black or dark purple Poinsettia (named after Joel Roberts Poinsett, the first US Ambassador to Mexico who introduced it to the US in 1825), also called La Flor de Noche Buena.

Dark green leaves and bright red upper leaves called bracts, small clusters of yellow flowers. Centre pieces of Christmas decorations, this is thought to have stemmed from the 16th Century Mexican story of a poor girl who could not afford an offering for Christmas mass and was told by an angel to collect weeds which she placed before the alter and they turned into red star-shaped flowers.

Christmas tree Spruces, pines and firs, dark green needle leaves. The first Christmas tree was introduced to Britain by Queen Charlotte in the early 18th Century, and it became very popular after 1841 when Queen Victoria and Prince Albert erected one in Windsor Castle. The tradition of decorating a Christmas tree was actually widespread in Northern Europe before this, some of the first reports being in Germany in the 16th Century. (Before being linked with the Christian festival people would bring in evergreen branches to symbolise the fact that the sun would return). Donation of Christmas trees to specific cities has also become a symbol of friendship and commemoration, for example the tree in Trafalgar Square is donated to the people of London by the city of Oslo in Norway.

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DOUGLAS FIR/ROSEMARY CHRISTMAS COOKIES

An edible treat or a homemade Christmas tree decoration. For those of us who cannot get Douglas Fir can replace with rosemary and get the same effect.

Makes 40 Ingredients 2 tablespoons Douglas fir needles / Rosemary and seeds, sieved and patted dry 125g sifted icing sugar 200g butter, cut into small cubes 1 small egg yolk 300g plain flour, plus extra for rolling Glace icing and silver balls, to decorate (optional) Method Preheat the oven to 375°F/190°C/gas 5.

Put the dry Douglas fir needles/ Rosemary and any seeds with the icing sugar in a food processor. Cover with a tea towel (the dust seems to escape even when the lid is firmly on), and blend to chop the pine needles finely.

Add the butter and egg yolk to the food processor, and then enough flour to make dough. Wrap in cling film, and refrigerate for at least an hour before using.

Lightly dust a work surface with flour, and roll out the pine dough. Stamp out thin 3mm Christmas trees with a biscuit cutter, place on a non-stick baking tray, and bake for approximately 8–10 minutes (depending on thickness).

Check after 8 minutes — the trees will brown very suddenly. Cool for 2–3 minutes, and then use a spatula to transfer the trees to a wire rack.

To hang the cookies on a Christmas tree: use a skewer to make a small hole in the dough of the Christmas tree (to thread ribbon through) before baking. Decorate with glace icing and silver balls if desired, or frame the trees with a small amount of icing, thereby accentuating the natural speckles of the pine needles in the dough.

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Gardens

A badnjak (large log Serbia) The designated oak tree from which the badnjak will be cut is felled (normally as a family activity) in the morning on Christmas Eve. The badnjak is brought inside the house and is laid on the fire in the evening. It is slowly burnt throughout Christmas Day. As most Serbian people don’t have a fireplace in their 20-squaremetre flats in Beograd, the badnjak is often replaced by small oak twigs used as decorations. The badnjak is also used in public Christmas celebrations. Followers of the Orthodox Church bring badnjaks to their local churches and burn them together. The origin of the tradition is unclear, but it seems to be an analogy for the nativity, when shepherds brought wood to make a fire for the baby Jesus according to Christian tradition.

Christmas rose Legend has it that the three wise men passed

by Madelon, a very poor shepherd girl, on their way to visit the new born Jesus. Madelon followed, but when she saw that the wise men had bought gifts, as had other shepherds, she chose not to go into the stable as she had nothing to give. She searched around for a flower, but

36

being the depths of winter, her search was fruitless. Feeling helpless, she stood outside the stable and quietly cried. An angel had been watching over her and took pity. He brushed aside the snow at Madelon’s feet where her tears had fallen to reveal a beautiful white flower with petals tinged in pink. Madelon took the Christmas rose and entered the stable to present it to the baby Jesus.

Pomegranate, Greece The pomegranate is a symbol of Christmas in Greece, where its fruiting season coincides with the winter festivities. Models of pomegranates made of clay, metal or plastic are used as baubles and other Christmas decorations over the festive period. Its red colour and sweet flavour also lend themselves well to Christmas foods.

Manzanilla found here in Portugal In Mexico, it is used as the base for a Christmas ponche (punch), which might be considered the local equivalent of mulled wine.

And in Guatemala, the fruits are threaded to form rings that are used as (quite heavy!)

Christmas decorations.

Radish What is its link to Christmas?

The Night of the Radishes (Noche de Rábanos) is celebrated in Mexico on 23 December. Professional craftsmen carve root vegetables into various forms including nativity and party scenes. Celebrations including street dancing and fireworks go through to Christmas day.

Flowers of the pōhutukawa tree (New Zealand) The peak of the pōhutukawa’s display, when the trees are covered in beautiful red flowers, coincides with Christmas at the height of the southern hemisphere summer.

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Coyol Palm (Paraguay) The coyol palm flower is the symbol of Paraguayan Christmas. It was originally used both as decoration for nativity scenes, but due to its aromatic nature, it is also used in house decoration. It inspired the Paraguayan Christmas anthem Navidad de Flor de Coco – give it a go. According to the general belief, the coyol flower was a sacred element for the native inhabitants of Paraguay, the Guarani people, and this cultural aspect melted with Spanish Christmas celebrations, generating this peculiar tradition.

Australian Christmas tree The tree is referred to as the Australian Christmas tree because, much like the pōhutukawa in New Zealand, it blooms throughout the peak of the Australian summer from late December until January. This is unusual because it is too dry during this time for other species to flower. However, the Christmas tree is semi-parasitic. It can overcome the lack of rainfall by stealing water from neighbouring plants with very deep roots that have access to water lower down.

Not very much in keeping with the Christmas spirit!

Merry Christmas everyone....

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Expert financial advice

By Gavin Scott, Senior Partner, Blevins Franks

‘Brussels IV’ and Portugal: How to ensure your legacy goes to the right place

W

hile Portugal is relatively straightforward when it comes to inheritance taxes – only charging 10% ‘stamp duty’ on Portuguese property between non-direct family members – succession laws work very differently to the UK. If you are unprepared for this, you could find your legacy is not distributed as intended.

How does Portuguese succession law work?

If you are resident in Portugal, ‘forced heirship’ rules may automatically allocate a minimum proportion of your worldwide estate to specific heirs – regardless of your intentions.

For example, if you do not have children/grandchildren, half your estate is reserved for your spouse.

Where you also have descendants, usually 66% is divided equally between them all. Having two or more descendants will mean your spouse receives at least 25%, with the remainder being divided equally amongst the other heirs.

However, Portugal takes a very traditional view of the family, so stepchildren and unmarried partners may not be considered direct family – for either succession law purposes or stamp duty exemptions.

How can you use ‘Brussels IV’?

A recent EU law known as Brussels IV offers the option to override local succession laws by applying the law of your nationality to your estate. This means you could avoid forced heirship and distribute your legacy according to your written

38

wishes under the law of your ‘home’ country, such as England and Wales, Scotland or Northern Ireland.

Note that the default position was different before Brussels IV came into effect on 17th August 2015.

Then, the law of nationality would automatically apply in Portugal to the estate of residents. Now, you have to expressly state in your Will (or similar legal document) that you want to apply UK rules to your estate. So if you have not updated your will since mid-2015, you should urgently review it to ensure it takes the new rules into account.

However, take care as Brussels IV is a relatively new and complex development that could present unwelcome tax implications.

Make sure you understand all the consequences and explore all the options available to achieve your objectives and establish what would actually work best for you and your heirs.

What about after Brexit?

Although Brussels IV is an EU regulation, it applies to all nationalities resident within participating countries in the bloc, including non-EU citizens. So even after Brexit, you can still choose the relevant British law to define how your estate is passed on.

Note that whatever you decide to do under Brussels IV, this only affects succession law – it has no effect on liability for inheritance taxes in either country.

Ultimately, there may be other, more suitable ways to achieve your estate planning objectives than using Brussels IV. For peace

of mind, take specialist, crossborder advice to establish the most appropriate and tax-efficient estate plan for your family.

Summarised tax information is based upon our understanding of current laws and practices which may change. Individuals should seek personalised advice.

Read more about the financial issues that can affect you by visiting our website

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� Couple and Family Tuk Tuks � Webshop direct bookings � Culture and nature tours � Typical food workshops Call: 00351 913 352 830 Email: geral@tuktuktavira.com Facebook: tuk tuk tavira Website: www.tuktuktavira.com

TASTE THE DIFFERENCE!

Home grown spices imported from India gives a unique flavour producing the best Indian cuisine in the East Algarve!

CABANAS

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Expert financial advice

Keep up to date with our Finance expert, chartered accountant Ricardo Chaves from All Finance Matters.

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New tax rules for sole traders in 2018

he government included in the budget proposal for 2018 changes to the IRS (Personal Income Tax) simplified regime. Although the rules do not have a great impact on most taxpayers, as only the ones earning above 27 thousand euros per year would be slightly affected by this, there has been several articles in the press about this, so we will try to explain the changes in this article.

Please note that for all those earning less than 27K per year in sole trader activities, remain not necessary to register expenses to continue to benefit from all the automatic deductions that the regime will continue to have. However, it’s important to remind all taxpayers, that it is still mandatory to register the invoices in the tax portal, before the 15th of February, in case you want to use the allowances available to save on your tax bill.

Here are some questions and answers about the expected changes in the simplified IRS scheme: Who will be covered by the new regime?

Sole trader professionals, such as

lawyers, accountants, hairdressers, journalists, dentists, veterinarians and shopkeepers, among others and other service providers (such as local lodgers).

Who stays out?

Farmers and small traders will not be covered, as well as selfemployed whose activity is the sale of products and services and those who have activity in the catering sector and in the hotel industry (excluding local accommodation).

How is this regime taxed today?

To the income of these taxpayers a coefficient is applied which acts as an automatic deduction and which, in practice, causes the tax to charge only on part of the taxable income and not on its totality. The IRS code assigns different deductions depending on the activity concerned: for example, 25% for liberal professionals (taxed on 75% of income) and 65% for other service providers (taxed on

The AFM team wishes you a Merry Christmas and a fantastic 2018!

tlm:+351 281 029 059 email: info@allfinancematters.com

40

35% of income) which include those that rent their property to tourists (AL or Local Lodging Activities).

What should change?

The automatic presumption of expenditure will be limited: one party will continue to be presumed, but another will be dependent on the costs incurred and recorded, and in both cases only 15% of expenditure will be justified and not presumed.

The taxation coefficients should remain unchanged but, to achieve them fully and not suffer a tax increase, taxpayers will have to justify 15% of the expenditure.

How can these sole traders fill the 15% of expenses?

Firstly, through the automatic deduction of EUR 4,104 (equal to the specific deduction of dependent work) or, if higher, by the amount of contributions to compulsory social security schemes which are not currently deductible. For this purpose, personnel expenses,

web: www.allfinancematters.com

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Closer to you! rents and charges for real estate and other expenses such as "current consumption materials, electricity, water, transport and communications, rentals, litigation, insurance, leasing, and other organizations representing professional categories relating to the taxable person, travel, travel and residence of the taxable person and his employees.

What if the expense is not just related to the activity?

In this case, the expenses with real estate and the acquisition of goods and services are considered in only 25%, and in the case of charges on real estate related to the activity, the allowable deductions are ‘tighter’.

If the properties are rented, the respective rents are accepted and, if the properties are owned by the workers, then an amortization of the respective investment calculated automatically by the Tax Office according to the tax asset value (VPT) is accepted as an expense: 25% of 1.5% of the VPT of the property affected by the activity, a proportion that in the local housing rises to 25% of 4% of the fiscal value of the property.

New simplified depreciation rules have also been created, which will be automatically applied by the Tax Authorities to all those on the Local Lodging sector. This may have an impact on your capital gain tax, but mainly for the resident tax payers and only at the time of selling the property.

How can sole traders allocate real estate expenses to professional activity?

Through the e-fatura page, in the Tax portal (www.portaldasfinancas. gov.pt), where three buttons will be available for each property, and the taxpayers can indicate if the expense is "personal, professional or mixed".

How many expenses do I have to register to maintain the same tax rate?

The application of the automatic deduction of 4,104 euros will mean that only taxpayers with incomes

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www.ibexinsure.com/tavira Car Motorbike Travel Health Boat Pet Business Community higher than 27 thousand euros will be affected; so all those, which earn up to 2,250 euros per month, do not have to justify or register any additional expenses. But just to have an idea of the small impact of these changes, all those who invoice 3,000 euros monthly will have to register just 108 euros per year in expenses, to maintain the same coefficient. The amount of expenses needed to register each year, so that the level of tax does not increase, for those who earn 5,000 euros per month, is just 250 euros per year.

As you can see, there are changes, but will only affect those sole traders who invoice more. So perhaps it’s a good time to analyse your current situation and perhaps try to change your tax structure, in order to mitigate this tax increase.

Please feel free pass by our office for a friendly chat and find out more about the tax strategy that might be more effective on your specific situation.

The AFM team wishes you a Merry Christmas and a fantastic year in 2018!

NUMBERS PUZZLE

Enjoy our numbers puzzles by Author and artist Yives Gowb.

Let us know how you get on. (tm_reed@ hotmail.com) (Answers at the bottom of the classifieds).

WHY NOT + DO

THE END IS

T H AT

NIGH

Clue: O=2

Clue: E=7

RUN FOR x YOUR LIFE

Clue: F=4

41

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EXCELLENT FACILITIES The village offers many unique features, including its own own Anglican Church, public restaurant, tennis court, two swimming pools and an ornamental lake, all set within traditional village surroundings, bounded by stone walled lanes and terracotta tiled buildings.

COMPLETE PEACE OF MIND In addition, village properties all have access to British trained medical staff, on duty at all times, via an aid call system linked to the village nursing home.

MAKE AN ENQUIRY For Roberts on ++351 289289 990900 For further further information information please pleasecontact contact Clive Alexandre Neves on ++351 990 900 E-mail: montedapalhagueira@gmail.com ΙWeb: Web:www.retirementvillageportugal.co.uk www.retirementvillageportugal.co.uk E-mail: mdpvillage@amesburyabbey.com Monte Monte da da Palhagueira PalhagueiraVillage, Village,Gorjôes, Gorjôes,8005-488 8005-488Sta. Sta.Barbara Barbarade deNexe, Nexe,Algarve, Algarve,Portugal.

Portugal.

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Q Restaurante

Abstracto Traditional Portuguese Cousine

Rua Dr. Antonio Cabrera, 34 8800-344, tavira Tel 937 037 712 restaurante.abstracto@gmail.com Gardens

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Tel.: +351 289 356 233 www.bbqs-algarve.com sales@bbqs-algarve.com

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São Bras Building Plot for sale to highest bidder

4,000 Square Metres of Urban land for sale with option to build large house, located just outside São Bras on a tarmac road only two minutes from the main road to the airport. Distant sea views from the first floor. Best offer over €100,000 Reply to agent@eastalgarvemag.com to register your interest and arrange a viewing. TLM: (00351) 966 978 937 Principals only – no agencies need reply.

KEITH GILLESPIE IN TAVIRA Ex Manchester Utd and Newcastle footballer coming to Tavira for sportsman night.

K

eith Gillespie played over 450 professional matches scoring 31 goals.He was part off the famous class of 92 at Old Trafford that includes Beckham,Scholes,Giggs and the Neville brothers.As part off the Andy Cole deal Keith moved to Newcasle Utd and was part off that all out attacking team that included David Ginola and Asprilla.These year's included famous champions league matches against the great Barcalona FC that included Pep Guardiola.A move to Blackburn Rovers followed where playing under Grahamn Souness he won the league cup at Wembley.Keith went on to play for Sheffield Utd and Leiseter City amongst others.So come along and listen and ask questions about this fascinating world off the mordern day premership footballer and playing with and for Premership legends.Venue Black Anchor Tavira.

Date.Saturday 20th Januauary.Time 7pm.Cost 10e.

Tickets available from bar or The Hair Studio Cabanas failing you can email georgeallen143@gmail.com

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Sport Olhanense keeper Cléber Santana foils a Benfica attack

TROUBLED TIMES AT OLHANENSE

A

All the latest local sports news from Chris Wright.

2-1 victory over Moncarapachense was followed by a 4-1 defeat at table topping SC Farense which resulted in the departure of manager Bruno Saraiva. New man on the block is 38 year-old Nilton Terroso who was born in France but represented two other countries youth teams, Canada (U15, U17 and U23) and Portugal (U20).

He spent some time at Sporting Lisbon where he played at youth and reserve team level. Terroso’s colourful journey in life took him to South Wales ten years ago to study performance coaching and analysis at the University of Glamorgan. He subsequently worked under Malky Mackay at Cardiff City when the Welsh side won promotion to the Premier league in 2013. Terroso holds a master’s degree in sports science and the UEFA Pro

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A licence which is just one level below the UEFA Pro full licence. Joining him as assistant is Teixeira Antunes and Welshman Alun Andrews takes charge as physical trainer. Their initial game in charge resulted in a 2-1 home defeat by Pinhalnovense with Sporting loanee Jefferson Encada scoring the opening goal and then getting himself dismissed for cynical second yellow card. Nilton Terroso will need to stem the ill discipline, centre-forward Mailó was sent-off the previous week at Farense, if the Olhão based club are to have any chance of challenging for a top spot. Second place Casa Pia (Lisbon) are the opponents at the José Arcanjo Stadium, Olhão (behind McDonalds on the EN125) on Sunday 10th December and a week later (17th) there is another home game against Olimpico do Montijo.

LYNX AND WOLVES MAKING A COME BACK

he Iberian lynx breeding centre at Silves continues to expand its work in saving this wonderful animal from extinction. In December 2014 a pair of Iberian lynx was released into the Guadiana Valley Natural Park near Mértola. Two further captive-bred Iberian lynxes were released into the same area in May 2015 and by the end of the year there were 400 lynx on the Iberian peninsula, the vast majority in Andalusia but with smaller populations in the hills near Toledo, in Extremadura (south-western Spain) and in southern Portugal. In the UK it is former FC Porto boss Nuno Espírito Santo who is re-establishing the Wolves as a major force in the English Championship. Chinese international conglomerate and investment company Fosun International took control of the Midlands club eighteen months ago under the guidance of Cristiano Ronaldo’s agent George Mendes. With the addition of six Portuguese players including the exciting young Ruben Neves the team are storming the Championship and look set for a return to the Premier League. The backroom staff at Wolves also includes, João Lapa, a native of Tavira, who works as rehabilitation coach and gained experience at Sporting Lisbon and SC Olhanense.

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STEPPING OUT FOR MOVEMBER

TRAGEDY STRIKES TWICE

M

ovember is an annual event involving the growing of moustaches during the month of November to raise awareness of men's health issues, such as prostate cancer, testicular cancer, and men's suicide.

By encouraging men to get involved, Movember aims to increase early cancer detection, diagnosis and effective treatments, and ultimately reduce the number of preventable deaths. Besides annual check-ups, men are encouraged to be aware of family history of cancer and to adopt a healthier lifestyle. East Algarve Walking Football set out to do their bit and were greatly encouraged when Tavira’s Black Anchor Irish pub & Beira Rio Restaurant agreed to stage a raffle during their 10th Anniversary celebrations.

The Irish band Risky Business, performed their new single and guests dug deeply into their pockets. It is anticipated that the final amount donated to the Liga Portuguesa Contra o Cancro - through sponsorship, raffle and donations - will be well in excess of a thousand euros. www. walkingfootballalgarve.com

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he Walking Football fraternity was dealt a double blow within the space of 24 hours when members collapsed and died. 62 year-old Gordon Powell, visiting with a team from Marbella (Spain), suffered a suspected heart attack whilst watching a game at The East Algarve Walking Football Festival at Olhão. The on-site paramedic and a retired doctor, a member of one of the teams, were promptly joined by the emergency services but despite their valiant efforts they were unable to revive the patient.

Twenty-four hours later 60 year-old Ronnie Steven collapsed and died of a suspected aneurysm at the Browns WF session in Vilamoura. Ronnie had been one of the first players to sign-up when walking football was introduced to the Algarve three years ago. Friends and family gathered at the Olive Tree Restaurant, Messines to say farewell to Ronnie, a passionate Rangers fan, before his family and partner Jackie Sheridan took him home to Glasgow. Both men had embraced the sport they loved and had enjoyed the physical activity and camaraderie.

EUROPEAN MISERY CONTINUES FOR BENFICA

B

enfica have had a disastrous European Cup campaign this season losing their opening five games and in the process racking up six consecutive European matches for the first time in their history. A far cry from the golden days of the early 1960s when they won the European Cup twice in a row under the legendry Béla Guttman. The Hungarian was blessed with a squad that included Eusebio and after such immediate success, Guttman believed he deserved a pay rise and approached the Benfica board after the 1962 European Cup final victory. Guttman's advances were swiftly rebuffed, infuriating the Benfica boss to the point that he left the club.

Upon leaving, Guttman allegedly declared, 'Not in a hundred years from now will Benfica ever be European champion'.Since that day, Benfica have lost five Champions League finals and three UEFA Cup/Europa League finals with the latest being the defeat by Sevilla three years ago. Now comes the publication of Béla Guttman’s life story beautifully written by David Bolchover.

Moving, original, full of insight; this is a terrifying and inspirational story of survival and triumph. ‘The Greatest Comeback, from genocide to football glory’ is an astonishing journey that has woven one huge, tragic strand of twentieth-century history together with a great footballing story.

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47

Golf

Warming up

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This months tip from Stuart Martin, head professional at Monte Rei Golf

his month we are going to concentrate on ensuring that we are fully warmed up and ready for our round of golf. I see many amateur golfers basically getting out of their cars and heading straight to the first tee and then wonder why they either take a while to start performing well or come off the golf course with aches and pains.

I have put together a couple of stretching exercises for you to try and also a small practice session to have you all first tee ready.

STRETCH ONE – HIPS • Sit on a chair, low table or tee bench. Place your right ankle on top of your left thigh.

• Push down on your right knee with your right forearm.

Then lean forward at your waist until you feel a gentle stretch in your right hip.

• Repeat the stretch on the opposite side.

STRETCH TWO – HIPS AND BACK • Sit on a chair, low table or tee bench. Place your right ankle on top of your

Pro stats

48

up and down. This will help increase blood flow to your hamstrings, glutes and calf muscles, which in turn will create more flexibility and injury prevention. More flexibility and blood flow can also aide you in becoming more powerful in the golf swing equaling more distance.

The Max Golf Protein Roller bottle is available to buy at Monte Rei Pro Shop. For further information visit https://mgprollerbottle.com/ PRACTICE SHOTS I would advise following the below routine on the driving range before you play. 20 mins is all it takes to give yourself the best chance of shooting lower scores.

• 10x Half swing sand wedges.

Name: Stuart Martin • 5x Full swing pitching From: Falkirk, Scotland wedges.

Club: Monte Rei Golf • 5x Full swing 7 irons. & Country Club • 5x Full swing 5 irons (or Position: Head PGA Professional & Golf Operations Manager equivalent lofted hybrids).

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Teams, National Coaching squad • 10x short length putts as Junior. Over 10 years of PGA (around 2 feet long). experience at high end, exclusive • 10x medium length putts golf clubs. Career Low Score: 67 (-5) (around 8 feet long.

left thigh. Raise your right knee and grasp it with your left hand (image 1).

• Keeping your spine straight, pull your right knee up toward your left shoulder. You'll feel a stretch in your right buttock.

• Mimic the position of your right hip when you're at the top of your backswing by turning your shoulders to the right (centre right image).

• Repeat the stretch on the opposite side.

STRETCH/EXERCISE THREE – FOAM ROLLER Using the Max Golf Protein Roller bottle (or any foam roller), place under your legs on a flat surface and roll

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Free Classifieds P R O P E RT Y Property required for purchasing clients in the following areas; Moncarapacho, Tavira, Estoi and Sao Bras area for established real estate company Russell and Decoz, Lda. Telephone 289 792785 – email sales@russelldecoz.com Good quality properties required in the area of Tavira, Moncarapacho, Estoi, Sao Braz, Manta Rota and Praia Verde by established estate agency Land & Houses Algarve – Yellow Homes. Call 281 320 281 or email info@landandhousesalgarve.com Good quality rentals villas and apartments with pool required by established property management and letting agent Happy Homes Algarve. Call 281 320 283 or email rentals@ portugal-accommodation.com Property for Sale:- Rustic plot 1020 m2 Guerreiros do Rio, 10 minute drive from Alcoutim. On the banks of the Guadiana river ideal for boat mooring, caravans, static homes. Bore hole, septic tank, electricity & outhouse with bathroom. €40,000 Tel. 92 442 3913 – email: ashcroft.julie@gmail.com 2 bed quinta in beautiful, quiet rural location Furnished and with pool and recently restored. Price 199,000 € For further details tel. 916154297 or email nbandpinp@gmail. com Do you have a house for me? We need houses for rent in Tavira from September until May and Summer Season and also properties to sell. Tavira Vip Tours – taviraviptours@ gmail.com Este Algarve Propriedades Lda is a long established, licensed estate agency, with its head office in Cabanas, If you would like to sell your property we would be pleased to offer our services. Contacts: geral@

estealgarve.net tel: 281 370277 or 951165

S E RV I C ES Retired Tiler/plasterer seeks jobbing work Tavira area + 964103146 Chimney Sweep, Experienced, reliable, punctual. 40 Euro per sweep. Tel: 912842238 Email: smartsweep@hotmail.co.uk Experienced plasterer and painter available anywhere in the Algarve. Nice and neat, always on time and no overcharging.

Give me a call at 965 504 300 PAINTINGS. Commissions taken for portraits, scenes, abstracts, nudes, copies of old maters from professional Artist since 1969. Further details tel. 289845561 Private English & Portuguese lessons.

Translations. Interpreter. Help with Portuguese paperwork. Call Lydia on (+351) 938 558 729 or email lydiacorredeira@yahoo.com Tavira Sewing Sue any sewing jobs please email: tavirasewer@outlook.com Algarve Roof & Property Maintenance, Leaking roofs, balconies, guttering, painting etc.Tel: 960136445 or 281324602 Jason Music for parties, bars and restaurants, Call Richy, 281 971 484 English mobile mechanic, repair/ servicing/electrical etc. No job too big or small. Quote you happy, all makes and models of cars, vans and light commercial vehilcles. Call Paul on +351 914 417 580 or +34 642 458 853, email paul.titcombe@ hotmail.co.uk

ACTI V ITI ES Pilates and Yoga in Tavira. First lesson free. www.VidaPilatesAndYoga.com

Painting for Pleasure. Beginners onwards.

Wed., mornings 10.30 - 12.30 Afternoons 14.30 -16.30. At Mesquita near Sao Bras.

Tel.289 845 561 YOGA & PILATES - contact Hazel on 91 307 5555 or email: hazel.devine@ntlworld.com for details Scottish Country Dancing at the Casa do Povo Moncarapacho, Thursdays 5.30 ~ 7.30PM.e-mail David on daviddenman1@ hotmail.co.uk

M I SC ELL A N EO U S Alcoholics Anonymous Do you have, or is there someone you know that has a problem with alcohol? There is a solution. Please call: (00351) 916 457 733. English speaking.

Wanted beginner piano teacher,own electric piano.tel 966618012.

FO R SA LE Household and garden furniture for sale and outdoor plants tel; chris 932987035 Gents bike needs TLC €30 gordonpoynter@ hotmail.com Brown leatherette 2-seater settee, buyer collects, Fuzeta. €50. 912125449 SEWING MACHINE Dorina model (55€).

Both in full working order. Tel. 289845561 TV Wall Bracket for Sony TV up 37" + Assembly instructions 20 euros Tel. 91 812 2051 ROOF BARS for an Astra. Never used 30.00 Euros Tel. 91 812 2051 Garden Tools Garden Fork, Lawn edge trimmer, Garden Rake 15.00 Euros Tel. 91 812 2051 Fuseta

Number puzzle answers Puzzle 1: 1361 Puzzle 2: 1086 Puzzle 3: 9041

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