Dec19 East Algarve Magazine

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OLHÃO · SÃO BRÁS · TAVIRA · ALCOUTIM · CASTRO MARIM · VILA REAL DE SANTO ANTÓNIO ISSUE NO. 132 DECEMER 2019

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PUBLISHER & DESIGNER Richard Bassett EDITOR Richard Bassett CO-FOUNDER 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 Maria Nova Hotel.

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

Welcome... ... your December issue. First of all let me take this opportunity to wish you all a very happy Christmas.

This month we bring you everything from Beer made locally in Sao Bras, to introducing Per Arne Gulbrandsen from the Hitio gym in Tavira. Carly Richards gives us a great tip on how to keep fit, and we visit the beautiful Spa at Maria Nova hotel in Tavira. Robert Bijker from Happy Homes and Land and Houses updates us on the property market and the outlook for 2020. All this plus our regular articles covering Gardening, Finance, Pet care, Sport and Currency Exchange.

As we near the end of what's been a difficult 2019 for us, we look forward to 2020 and send all our readers and contributers our best wishes.

Feel free to contact us with your comments or suggestions at info@eastalgarvemag.com

Unipessoal Lda

FAÇA AS SUAS MANHÃS,

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Richard Bassett, Editor

UMA MANEIRA DISTINTA DE

MANHÃS AINDA MAIS ESPECIAIS!

TERMINAR O DIA, COM VINHOS E COMPANHIA

Make your mornings, mornings even more special!

A distinct way to end the day, with wine and company!

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Contents

6 8 12 14 18 22 24 30 34

NEWS Local news.

PETS Pet care during the festive season.

HEALTH Exercise tip from Carly Richards.

PLACES Maria Nova Spa.

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PEOPLE Meet Mister Hitio.

PROPERTY 2020 outlook.

36 38 42

PROPERTY Property of the month.

PLACES Tavira at Christmas.

TAVIRA Find our advertisers on the map of Tavira.

ART Painting by Will Kellermann.

PEOPLE An honest draght with Neil Caird.

GARDENS Christmas plants.

14 46 47

www.eastalgarvemag.com

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CURRENCY News from GC Partners.

FINANCE Finance news from Blevins Franks.

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FINANCE Finance news from Ricardo Chaves.

50 52 54 58

FINANCE Financial advice from deVere.

PLACES Centre Algarve.

SPORT The latest from Chris Wright.

CLASSIFIEDS Grab a local bargain.

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News

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russels has notified Lisbon that it has one month to change discriminatory taxation rules regarding second-hand cars imported from other member states and matriculated in Portugal.

If the system isn’t altered, the case will go to the Court of Justice of the European Union.

At issue is the State’s formula for calculating ISV (standing for Imposto Sobre Veículos).

Brussels says it is patently unfair, as it makes importing a second hand car much more expensive than buying one here, doesn’t take into account vehicle depreciation and thus violates article 110 of the Treaty of the Functioning of the European Union.

Two cases taken out by private importers have both ‘won’ in the courts recently – but still the AT tax authority refuses to budge. Explain reports,

the government fears that any climbdown could leave it liable to hundreds of thousands of euros in reimbursements.

Indeed still today the State mantra appears to be that it believes itself to be in the right. Says Expresso: “Contacted the office of the finance ministry “confirmed reception of the European Commission’s reasoned opinion and reiterates the conviction that the current model of calculating ISV isn’t just in line with environmental commitments assumed by the government but is imposed as a matter of equal treatment of vehicles, old or new”.

The State’s argument is that old vehicles emit “the same level of CO2” as new ones and therefore should pay exactly the same duty.

Expresso continues: “The same source said the government will evaluate the notification from the European Commission “in the belief that the

currently implemented solution is best in line with assumed environmental objectives”.

This isn’t the first time Portugal has been pulled up on its excessive duty on second-hand vehicle imports, but it is what Expresso terms “yet another defeat”, and defeats are coming now thick and fast.

Where this will lead is what importers are keenly waiting to find out.

A recent case, which the State tried to take to the Supreme Court failed (the Supreme Court ruled there were no grounds to hear the State’s appeal).

The government then tried an appeal to the Constitutional Court which also refused to hear it.

Says Expresso, the ruling should now have passed in the plaintiff’s favour – and there are “various identical cases going through the courts”.

Tavira Council claims criticism of new bridge is based on "too much false information"

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avira Council has responded to criticism that has been made in recent days by the "Tavira Sempre" civilian social media movement, which wants to halt the construction of a new bridge over the Gilão River, due to it “bringing more cars to the historic city centre, in a project that never included any public consultation involving the population and which has been harshly criticized for the evident lack of sensitivity.”

For the Socialist Party councillors, in the recent decades and “through many past municipal executives, nobody has brought up the usefulness of the old metal bridge used by pedestrians and vehicles as being a vital crossing in the dynamics and attractiveness of downtown Tavira and mobility of its residents and visitors”.

What they take issue with here is that the “old, degraded and insecure structure”, which has been closed to traffic for about 3 years, “will be replaced by a new, functional and accessible one prepared for people with reduced mobility”, which they don’t see an issue with.

In a statement, they said that the construction process of the new bridge "has been public for many years, as the work was planned to be done in the last 3 electoral programs of the PS in the municipality”. The councillors also point

With a huge selection of gifts, mementos and traditional Portuguese ware, Aroma Loja is your one stop shop to ensure a visit to Tavira is remembered.

Visit our three shops in Tavira or our website www.aromaceramica.pt

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out that the City Council has its own funds for the work, having been selected from amongst several proposals and disclosed to anyone who had an interest in expressing their opinion.

The new bridge under construction is for mostly pedestrian and cycling use, with one car lane, which the officials say is a “justifiable option to allow all possibilities of use in the future, especially for emergency and safety vehicles", they explain in the same statement. They claim that the public garden will remain a charming part of Tavira, and that the downtown will continue to be “for the people”.

The PS says they respect those who have dissenting beliefs and ideas, "but we will not allow misinformation about structuring and decisive projects for the city." The councillors reaffirm in the same document their support for mayor Ana Paula Martins and all members of the executive in the fulfilment of the electoral program "voted for universally and democratically, by the Tavirenses.

In conclusion, the party underlines that “instead of launching a campaign against the municipality on social media, with much false information included, the Tavira Sempre movement should first make it clear what their true intentions are.”

Facebook: 'Aroma Lojas' Telephone 964 304 622 For locations see the map on page 34

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Source: Algarve Daily News

Source: Natasha Donn of the Portugal Resident

Discriminatory import duty on second-hand cars: Portugal given one month to change rules

Kozii’s accessories are designed to complement its collections and are thought to enhance any look!

Unique fashionable necklaces, scarfs, bracelets, bags, pouches, earrings as well as an exclusive selection of Home textiles are just a few of our proposals that will make your Christmans shine!

Come visit our shops and get inspired as you go!

TAVIRA KOZIISHOP.COM

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Wishing you a very Merry (and Furry!)

Christmas Pet care during the festive season

THE

Spotted DOG Providing professional dog grooming and pet care services in a relaxed and loving environment ● Dog grooming

● Clean and Tidy ● Teeth clean

● Dog walking ● Day care

City & Guilds qualified Located in Tavira and offering mobile services throughout the Eastern Algarve The Spotted Dog Tel: +351 281 324 576 +44 7568 190363 Email: Dominic@thespotteddog.net www.thespotteddog.net

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he season of goodwill is often fun, busy and chaotic, and not without its challenges! Whether you’re holidaying at home or visiting friends and family, let’s make sure we look after our furry friends during the festive season.

Help your pet cope with the excesses of Christmas by keeping to their normal routine as much as possible. Try and keep food, exercise, bed and toilet breaks the same, as consistency can help pets feel more secure and relaxed.

Festive food is often richer and more plentiful and it can be so tempting to ‘treat’ our pets with little snacks which can actually be quite harmful. It’s eye watering to think that over the Christmas period vets have been known to experience an 800% increase in cases of chocolate poisoning! And it’s not just chocolate, many foods such as macadamia nuts, grapes and raisins are also dangerous, especially for dogs, which means no mince pies for our furry friends.

We often have visitors, some of whom might not be used to interacting with domestic pets.

If you do have guests visiting, let your dog or cat meet them at their own pace. Also, once we’re in the party season, make sure they have somewhere cosy and quiet to retreat to, away from all the excitement.

If you're spending Christmas day out with friends or family and your dog is going with you, take something which smells familiar, such as their bed or bedding. Take some of their favourite toys and chews too, to help keep them entertained.

But of course, more than anything else, Christmas is a time for enjoyment and celebration and with a few sensible precautions, all of the aforementioned hazards

can be easily avoided and a great time had by all, including our furry friends. Indeed, if they’ve been particularly good, Santa may choose to leave them a little present or two.

Aside from the more obvious presents of food, toys, clothing and bedding, it might be worth given thought to such things as automated food dispensers as a particular treat for your pet, and a means of making life easier for us HOOMANS too. These retail on Amazon from €15 right up to €400 and can be a fantastic way of controlling your pet’s dietary intake when you’re not around.

Another option, and one that can be great fun, is an indoor surveillance camera, some of which start from just €30 and can be a great means of keeping an eye on your pet and home. There’s even one’s which allow you to talk to your pet while you’re out!

Perhaps the greatest treat of all however, is the extra time Christmas affords to spend with our animal friends and certainly for our canine friends, a lovely walk on a nearby beach can be the greatest treat of all.

If you are looking for someone to take care of your dog over the festive season, then we are here to help. At the Spotted Dog we only board one dog per day or night and they stay with us as one of the family, so they receive plenty of love and attention, along with two or three walks per day and plenty of cuddles! We also offer home visits, and will check on their welfare, and keep your loved ones occupied and exercised.

Finally, if you would like your dog looking, smelling and feeling wonderful for the festive period and the new year then please let us know. To find out more about our services, visit our website at https://www. thespotteddog.net/.

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Art For Everyone Telephone 96 201 2111 www.taviradartes.com taviradartes@gmail.com Find us at Travessa Jacques Pessoa, 8, Tavira, 8800-374.

Ruy Barros Hairstyling & Beauty Salon Ladies & Gents

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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

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CANDLE MASSAGE THERAPEUTIC MASSAGE LY M P H AT I C D R A I N A G E ANTI CELULLITE MASSAGE MANICURE / PEDICURE E P I L AT I O N S PA R I T U A L S G E L / G E L VA R N I S H / P O W D E R N A I L S MESOTHERAPY NO NEEDLES P H O T O R E J U V E N AT I O N SHR LASER C AV I TAT I O N RADIOFREQUENCY REFLEXOLOGY FA C E A N D B O D Y T R E AT M E N T S

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EYELASH EXTENSION

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ORGANIC & 100% N AT U R A L C O S M E T I C S

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Beautiful ceramics made in Portugal and bought by the Kilo.

Visit our two shops in Tavira or our website www.aromaceramica.pt Facebook: 'Aroma Cerâmica' Telephone 964 304 622 For locations see the map on page 34

TASTE THE DIFFERENCE!

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

CABANAS

NEWU MEN

TERRAZE

TERRAZE RESTAURANT & COCKTAILS

TEL: 281 327 481 LOCATED ON THE RIVER GILÃO OPPOSITE THE BUS STATION

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Places Wishing all our members and friends a Joyous festive season & a prosperous and Happy New Year denise, Geoff, terje & diane denise, Geoff, terje & diane

www.pinkflamingocroquet.com

The friendly, family run restaurant at Quatro Aguas, Tavira Calamarata di pacchetti

Prawn with polenta

Salad of fruits of the sea with quinta and couscous

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Torta di riso e di mele

Free parking.

Open 10.30am till 3pm, 6pm till 10pm Closed Mondays.

See Facebook: Casa Di Carlo e Franco Telephone 911 817 099 Special dishes by reservation only.

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Health

The

wall

squat This month's exercise tip from Carly Richards is designed to strengthen your thighs and buttocks

H Carly Richards

Personal Trainer & Fitness Instructor Sports/Deep Tissue Massage available

Free 30 mins massage when booking first block of 10 sessions

Tailored training programs. Training in your home or workplace.

All equipment provided Free Consultation. Discounts on block bookings www.4fitnessandhealth.co.uk Diet Plans, Nutrition advice, Cardio, Boxing, Weights, Core building, Rehabilitation, Stretching and Flexibility

Call Carly to book your free consultation +44 7732-801565 Over 10 years experience

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ere’s my fitness tip for December a Wall Squat For all of you going skiing in the near future this is a must and if your not it’s a great one to strengthen and tone up those thighs and buttocks!

Lean your back against a wall and get your legs at a 90 degree angle as in the picture. Your butt wants to almost be in line with your knees, feet hip width apart or wider, to work the inner thighs a bit more!

Then just stay there as long as you can, enjoy the burn but make sure the burn is in your muscles (thighs & glutes) and not at the knee joint!

Start of by trying to do a minute with out stopping, then try and add 1030 seconds the next time until you can stay there for a whole 5 minutes!

Remember to keep the back against the wall, your core, thighs, hamstrings and gluteal muscles switched on!

Once you get to 5 minutes reward your self with a little glass of your favourite beverage.

Happy wall squatting.

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NEW Boxing

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TAVIRA 38 rua da porta nova mon - sat: 7am - 9.30pm sunday: 3pm - 7pm

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+351 911 911 774

Catherine Ann Bassett 1974-2019 It is with great sorrow that I must announce the passing of another founder of the East Algarve magazine.

Tragically Katie passed away on the 13th November and is survived by her three sons Jake, Brody and Jesse, her mother Valerie, father Vernon and brother Anthony. www.eastalgarvemag.com

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MARIA

Open to the public by reservation, enjoy the wonderful Spa and Gym facilities at Maria Nova Hotel

NOVA 14

SPA

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Places

T

he impressive Maria Nova Hotel is perched above Tavira with breathtaking views from the Nomad Bar. On the lower level Maria Nova exceeds your wellness and relaxation needs with a modern Spa for use of the hotel guests and by appointment to non residents. Be greeted by the hypnotic sound of the water and the fresh aroma of the relaxing steam room. Take a swim in the inviting pool and while away the time in the jacuzzi. As well

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as the steam room, Maria Nova Spa has a sauna, hydro shower and an extensive array of treatments to ensure you are feeling relaxed and beautified.

Among the many benefits of spa treatments is the biological effect it has on your body, particularly in regards to your happiness levels. Massages at the spa are known to release serotonin, which is the hormone associated with happiness, and thus helps to improve your mood once your massage has

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Tours

finished! This doesn’t just have an effect post-massage, but you can reap the benefits of this boost for the following days too.

The health benefits of using a jacuzzi or swim will reduce stress, which will reduce muscle tension, headaches, fatigue and soreness as well as promoting weight loss and lowering blood pressure.

The Maria Nova Lounge Hotel has at its disposal a range of massage, body aesthetics, facial aesthetics, manicure and pedicures, these together with other specialist treatments. A space for your well being and healthy attitude. Groups are welcome as are individual visitors.

For bookings please contact: T: (+351) 281 001 214 E-mail: wellness.marianova@aphotelsresorts.com

Estrada da Sra da Saúde n° 320 8005-148 Faro, Portugal Tel; 289 012 541 reservas@tiaana.pt www.tiaana.pt Restaurante Tia Ana

Galeria

A mix of cafeteria, bakery and pastelaria, where the concept is to join different styles and eating habits in the same space.

Specialsing in Paleo foods

Art Gallery with a New Winter Collection of Painting and Ceramics by 24 local artists Contact +351 918 973 438 Facebook: Artesis Galeria 15 Travessa Zacharias Guerreiro, Tavira

www.eastalgarvemag.com

Telephone: 925 345 884 Address: Rua Poeta Emiliano Da Costa 8800 357, Tavira.

Email: Lapetitefrance.tavira@gmail.com Facebook: La Petite France.

Open: Tues till Sat 12.00-15.00 & 19.00-23.00. Closed Sun & Mon

Address: Rua da Liberdade n26, Tavira Facebook: 'À da Marta' Telephone: 00351 962 480 768 Email: adamartatavira@outlook.pt Open: Everyday 8am till 7pm Saturday 9am till 3pm, Closed Sunday

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Art

MEET MISTER

HITIO

Per Arne Gulbrandsen is the man behind Tavira's Hitio gym, we meet him and hear about his interesting life.

H

itio gym in the centre of the beautifully historical Tavira provides an inspiring place to get fit and healthy and possibly try a new challenge with the guidance of owner Per Arne Gulbrandsen. Oslo born Per has an impressive background having spent thirteen years in the Norwegian police force after a year in the Armed forces preparing for the police academy. Per trained in the K-9 Dog

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squad, at the Metropolitan Police Bomb Unit in the UK and to prepare to further his police ranking, in 1984 he studied a law degree necessary for the highest police positions. Per reached the position of Chief Inspector and was subsequently offered a job in a law firm where he stayed for 5 years.

He changed his career direction to become Vice President of Securitas, the global market leader in security as well the CEO of recruitment company Adecco, for Norway, Sweden, Finland

and Denmark with 15,000 employees, where he stayed until 2017.

Throughout his career he has always maintained his fitness, and would work out specifically in martial arts and cross country skiing. Personal fitness and well being have always been an important part of life and from the age of 15 he would train with friend and coach Wolfgang Wedde.

Wolfgang developed fitness using taekwondo based theories, Sports Karate and Kick Boxing and is “a

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legend in his field�. He still a personal friend who also plans to move to Tavira.

For many years with the Mudo gyms, (a chain of 40 gyms) Per trained future instructors as well as conducting official gradings and refereeing and has coached for over 25 years, including National Kick Boxing champions. He and his wife, Wigdis, a freelance photographer decided to semi retire in Portugal and had planned to visit various places. First

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stop was Tavira, they decided this was “the place for them�.

With their future home found, a 19th century ruin in the centre of town in need of major renovations the opportunity arose for the gym he had dreamt of with the current building, which was for sale. They embarked on the alterations needed and now the Hitio Gym, the 1st in Portugal and in Europe is located in a bright and welcoming part of the main centre of Tavira. Since opening in July Hitio,

with Per at the helm, has an incredible 300 members and is working with the community and visitors as well as the local schools to promote fitness and well being. With focus, balance and memory all key aspects of training, you can join Per on Wednesdays and Fridays for group lessons or workout in the group training area.

It was a pleasure to meet and chat to Per and to take a look around the fantastic facilities, we wish him much continued success.

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Yo u r S p e c a l i s t f o r H o t Tu b s i n t h e A l g a r v e

www.algarvehottubs.com -  (00351) 968 386 896 -  gavin@algarvehottubs.com

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THE PROPERTY MARKET IN

By Robert Bijker, Director of Land and Houses Algarve and Yellow Homes PROPERTY MANAGEMENT ALGARVEAN COTTAGES

V I LLAS

H A P P Y H O M E S A L G A RV E A PA RT M E N T S

TOWNHOUSES

QU INTAS

Happy Homes Algarve is currently looking for additional good quality rental Villas and Apartments to offer to our customers for next season.

If you have a property to let, please contact us for more details'

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Covering the whole of the Algarve as independant real estate agents, we can provide you with unbiased advice when you decide to purchase a property and can introduce you to a wide choice of reputable mortgage banks, architects, lawyers, builders, chartered surveyors and interior designers. We have been in business for over 16 years, finding the right property for countless satisfied clients. We currently have over 900 properties available online and would be very pleased to help you find your ideal home.

If you are the owner of a good quality property and wish to sell, please contact us to arr ange an appoin tment TA VI RA

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V I L A MO U R A

N 1 2 5 , B e n f a r r a s , B o l i q u e i me 81 0 0 - 0 6 8 B o l i q ue i m e

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very year in December we reflect on the past year and provide an outlook for the property market in the year ahead, 2020. The past 12 months continued to see healthy demand for real estate for both permanent living and investment purposes albeit at a slower pace versus the year before. Less supply of existing properties in combination with relatively high prices, sharp downward revisions of economic growth early in the year and uncertainty regarding trade wars and Brexit are the culprits.

Despite this property prices continued their upward trajectory by increasing 3% year-onyear, which was in line with the lower end of our expectations. There are reasons to be cautiously optimistic for the upcoming year.

The demand for properties in 2019 continued to come predominately from buyers from Scandinavia, France, Germany, Italy and The United Kingdom. There is also a noticeable increase in demand coming from Americans and Canadians as a direct result from years of promotional efforts by Turismo do Algarve and Turismo de Portugal.

The Golden Visa and NHR programs remain popular. The former is offered in many European countries such as Bulgaria, Croatia, Cyprus, Czech Republic, Estonia, France, Greece, Ireland, Italy, Latvia, Malta, The Netherlands, Poland, Portugal, Slovakia, Spain and the U.K. However, the latter pulls in more people who either buy or rent (long term) a property. One could argue that without the NHR program property and monthly rental prices would be lower.

Although demand for property was healthy, transaction volume was less than a year ago mainly due to relatively high property prices and the uncertainty that Brexit, trade wars and economic slowdown caused. The fear earlier in the year that various economies in Europe may go into recession looked premature as they continue to grow albeit at a slow pace.

The policy response from the ECB to stave off a recession by lowering interest rates even further saw government bond yields going deeper into negative territory. Even 10 year bond yields temporarily dropped to

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Property minus 0.5% in Germany. The country is seen as the economic engine of Europe but has suffered from a recession in the manufacturing sector with especially the automotive and related industries taking a downturn. Car manufacturers have long supply chains for car parts, chemicals, metal, textiles and electronics and as such a slowdown affects various industries. The slump in manufacturing also hit other countries. The introduction of trade barriers may still make matters worse. The manufacturing industry role in the economy is much smaller than it was 20 years ago. The larger service sector is still humming along and consumer spending continued to stay strong. “Everyday low interest rates” makes for happy consumers, businesses and governments alike to use a variation to Walmart’s famous “everyday low prices” slogan. However, the longer the weakness in the manufacturing sector persist, the more likely it is to spread to other sectors in the economy. Deglobalisation pressures may well continue next year which could have a negative effect on the global economy.

Christine Lagarde is the new president of the ECB since November 2019 succeeding Mario Draghi. It is expected that she may have a different view on past interest rate policies and may be less inclined to continue with negative interest rates. The ECB has long argued that governments need to do more in order to create a more resilient economy by speeding up structural reforms and increasing spending. Especially Germany with large trade surpluses can spend more on stimulating economic growth by deficit spending. So far the ECB’s return to stimulus and the prospect of higher government spending have avoided a recession. The bond markets are offering a once in a life time opportunity for fiscal expansion.

Germany could spend as much as € 100 bn to upgrade outdated infrastructure whereas The Netherlands (another country with a trade

surplus) is contemplating setting up a € 50 bn fund for infrastructural works and investments in IT. England will have elections soon and both the Tories and Labour are planning to increase spending by respectively £75 bn (3% of GDP) to £ 106 bn (4% of GDP), up from £ 51bn. Across the pond the USA plans deficits of 5% of GDP for the next 5 years. Portugal which has one of the highest debt to GDP ratio’s (estimated at 119.50 % by end of 2019) of Europe has less room for fiscal expansion but it will still benefit from economic expansion abroad. With signs that Europe’s economy is starting to bottom out, investors believe that a recession may be avoided and equity markets are near or at all-time highs.

Property markets in Europe have benefited from low interest rates and often are at or above pre-crisis levels. European central bankers are calling for tighter regulation of mortgages to shield banks and households from rising house prices. This can come in the form of capping the percentage of loanto-value of a property and by demanding from banks to hold more capital against their mortgage lending books. Politicians are reluctant to implement these measures which are meant to cool off the property market and if delayed it may have already caused harm.

The financial situation of Portuguese banks is improving however the percentage of nonperforming loans is still above the European average.

Ultra low interest rates have been a boon to businesses, consumers and governments over the past years and the effect is often immediate. But it has a negative impact on savers and pensions funds albeit with a delay. Pension holders worldwide are faced with steep hikes in their contributions or cuts to their benefits. As the number of retirees will only increase over the years, a cut to their benefits reduces their spending power.

Although only a small number of retirees may be looking to purchase a property in the

Algarve, in general a reduction in benefits may hamper economic growth in Europe and can have a negative effect on property prices overtime. There is no doubt that a long term investment in property is rewarding. In the short to medium term there can be price volatility but overtime the return on investment is good and as such this should be part of a diversified investment portfolio. Property is relatively easy to understand and if rented out provides a decent return versus a savings account or bonds (exotics not included, as their risk profile makes them unsuitable for the average investor). In addition it offers you the possibility to spend your holiday in your own investment property which is a tempting proposition to many. Overall we expect in 2020 the property market to remain in good condition although we do not see much upside to prices of existing properties. There is good demand for property as long as the price is right. With rental yields of around 4% there are still good investments opportunities to be found. Some properties are more suitable for letting than others. It depends on location, proximity to an international airport, outdoor space and having a (communal) pool or not just to name a few. However, if the property you are interested in purchasing is overvalued, you will struggle to make a decent return on investment.

Our base case scenario for 2020 is for prices to remain stable with a slight upward bias.

Robert Bijker, Director Land & Houses Algarve – Yellow Homes www.landandhousesalgarve.com www. landandhousesalgarve.de Tavira Office Rua Dr. José Pires Padinha 178 8800 - 354 Tavira Tel: 281 320 281 Fax: 281 321 901 (AMI – 6232) Vilamoura Office EN 125, Benfarras Boliqueime 8100 - 068 Boliqueime Tel: 289 301294 Fax: 289 301439

A reliable real estate agent simplifies your life!

FASTIGHETSBYRÅN TAVIRA +351 281 322 762 RUA 1º DE MAIO, No 13 FASTIGHETSBYRAN.COM

www.eastalgarvemag.com

23

Property

Property of the month

Beautifully presented 3 (or 4 )bedroom, 3 bathroom villa with private garden, roof terrace & integral garage.

24

www.eastalgarvemag.com

RUSSELL & DECOZ REAL ESTATE Tel: 00351 289 792 785 Mobile 963 085 580 Email: sales@russell-decoz.com The perfect property for your holidays, permanent living or rental portfolio, sitting in a gated community with beautiful gardens and communal pools.

* Mains services * Cable

service available for tv, phones, internet * Smart alarm system * Video entrance system * Solar panels and immersion heater * spare gas boiler * Fitted and equipped kitchen * Air conditioning / heating * Double glazing * fly screens * electric shutters * Master suite with en-suite bathroom * 2 shower rooms * Fitted wardrobes * Wooden and tiled floors * Central vacuum * All round sound * Covered, open terraces & roof terrace * Serviced gardens with pools & private enclosed garden with BBQ area * Large integral garage * Gated environment * Extra room (study/4th bedroom?)

REF:-1898T LOCATION:- Luz de Tavira ENERGY CERT.:A PRICE:-

€375,000

www.russell-decoz.com

27 years @russelldecoz

Property required in São Brás, Moncarapacho, Estoi to Tavira area, please call or email. www.eastalgarvemag.com

25

Property 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

CHRISTMAS DEALS

FONTE SANTA €185.000 IMPORTERS / DISTRIBUTORS after sales services, repairs and maintenance

info@agabras.com 917812155 Rua Boaventura Passos, Nº 18 R/c 8150-121 São Brás de Alportel

REF 2543 • Two bedroom house • Condominium with pool • Private box garage • Air conditioned bedrooms • Mosquito screens • 1Km from Cacela town • 3Km from Manta Rota beach

MAIN OFFICE – (Waterfront) Ava Ria Formosa, Centro Comercial Loja 2, 8800-591 Cabanas de Tavira TEL: 281-370277 Mobile: 91 7212498 OFFICE – E.N.125, Cevadeiras, 8900-024 Vila Nova de Cacela TEL: 281-951165 Mobile: 91 2177055 LICENÇA No 504-AMI

EMAIL geral@estealgarve.net WEBSITE www.estealgarve.net

3 BED. VILLA W/ GARAGE & SWIMMING POOL - NEAR CASTRO MARIM - The villa has a total area of 217m2 and fenced plot with 300m2.Situated in a quiet area, 5 mins drive from Praia Verde beach. Built in 2002, in impeccable condition. Sitting room w/ fireplace.

Large basement / play room/workshop.

ENERGY CLASS B- €309.000

26

VILA NOVA DE CACELA €265.000 REF 2538

• 1.5Km from manta rota beach • 3 Bedroom house (1 suite) • Heated private pool • Air conditioning • Completely remodelled • Solar power for hot water • Very close to facilities

Algarve roof & property renovations From leaks to roofs and balconies, to complete renewals. Guttering supplied and fitted, flat roofs specialists and complete property renovations insode or out; All maintenance work, painting, jetwash service etc.

Call Jason Tel: 960 136 445 or 281 324 602 jasonash1970@gmail.com

www.eastalgarvemag.com

The Smarta family would like to wish all our clients, business partners and friends a very Merry Christmas and a happy New Year

Contact Smartamoves: Mobile +351 915 744 005 Office +351 281 027 082 Email: geral@smartamoves.pt

Rua Maria Helena Vieira da Silva 15-D Mato Santo Espirito 8800-601 Tavira

DETACHED VILLA WITH SWIMMING POOL IN CABANAS

SPACIOUS APARTMENT ON A PRIVATE COMPLEX AT COLINA DA ÂSSECA

TOWNHOUSE IN ''O POMAR'', CABANAS

A 2 storey house with a fully equipped kitchen, a West facing living room with a fireplace and access directly to the swimming pool/patio. Downstairs is a storage room and bathroom with shower.

Upstairs are 3 bedrooms with air conditioning, built in wardrobes and floating wooden floor. Of the 3 bedrooms, features include ensuite bathroom and a veranda with staircase up to the roof terrace with stunning panoramic views. The house is situated in a quiet residential neighborhood of Conceição within walking distance to shops, local transport and Benamor Golf Club.

Modern apartment with 2 beds & 2 bathrooms in a highly sought-after residential zone, 5 mins walk from Tavira Centre. Finished to a high standard and well maintained. Spacious, bright rooms, open plan lounge with natural light leading onto a private terrace overlooking the shared pool and gardens. Fully equipped kitchen. Bedrooms have built in wardrobes, A/C, master bed with ensuite.

Access to a the roof terrace from the 1st floor, overlooking the pool and city. Ideal for residential purposes with a large pool and children's pool or a holiday home with excellent letting potential.

3 bed townhouse located on a well-known & prestigious complex. Ground floor; office, guest bathroom, living room & kitchen with garden access with a BBQ and plenty of privacy. Access to the garage (40m2), a storage area and a laundry room. First floor; two beds, with en suites, built in wardrobes, A/C, balconies and mosquito nets.

Second floor; 3rd bed with private bathroom, 2 verandas and dressing area. Walking distance to train station, pharmacy, supermarket and 800m from Ria Formosa and Beach. Access to 2 pools, restaurant, bar, gym, and leisure spaces.

€325.000

€299.000

€330.000

www.eastalgarvemag.com

27

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

Three Bedroom Villa with Pool and Sea Views – Luz de Tavira, 230.000€ Ref: 2544800

Beautiful traditional style cottage in the countryside near Luz de Tavira. Private, but not isolated, with other properties nearby.

Small garden, plunge pool and several terraces. Country and distant sea views from the first floor terrace. Luz de Tavira is only a few mins drive and Tavira is only a 10 min drive.

Barril and Tavira beaches are only 10 mins away. Ideal holiday or permanent home.

Front Row Three Bedroom Modern Apartment with Roof top Pool Olhão 440.000€ Ref: 2644085

LUZ DE TAVIRA

This large three bedroom apartment, on the first floor, is situated within the lovely coastal resort for Marina village, less than 300 meters from the Marina and the Ria Formosa waterfront of Olhão. All amenities including the taxi boats to the stunning golden sandy island beaches, shops, restaurants and spa, are all within a very short walk. Finished to a high standard, and already with an AL (rental licence), this apartment is perfect as an investment rental, family home or holiday home.

Modern Five Bedroom Villa with Pool – Castro Marim, 290.000€ Ref: 4009710

CASTRO MARIM

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This fantastic and charming Villa, is ideal for those who love the country, and like all facilities close by. The property is located in Azinhal, only 3 km away from a Golf Course and very close to Castro Marim and Vila Real de Santo Antonio. It has been built with quality materials and attention to detail, making it a great option for full time living, and/or holiday rentals.

LOULÉ

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A FINE SELECTION OF PROPERTIES FROM ALL PRICE RANGES.

DO YOU WANT TO SELL YOUR PROPERTY? Call us today on 927617131 or email us at info@pattersonproperties.pt WWW.PATTERSONPROPERTIES.PT

3 bedrooms apartment Tavira centre 115sqm good size flat with terrace Parking place on garage.

Near all facilities 260.0000€

Merry Christmas AND A HAPPY NEW YEAR !

Old house to be renovated 515 m2 land. Facing river only 700M walking to center Worth a visit!!!!

250.000€

Gunnel Levin & Carla Alcario www.landarealestatepartners-com info@landarealestatepartners.com

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ALGAR VILA, Lda Since 1986 (AMI 431) Travessa das Cunhas, nº 29, 8800-372 Tavira, Faro (+351) 281 324 115 Tlm. 00351 963 660 971 Email: geral@algarvila.com www.algarvila.com

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Tavira at 30

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Christmas www.eastalgarvemag.com

31

A great deal of intrigue occurred when – at the beginning of World War Two - the Duke and Duchess of Windsor fled from France to Portugal.

The story is retold in a black comedy performance, “The Windsors in Portugal, 1940” to be seen in December at São Brás Museum.

U

ntil recently little was known about the couples stay in Estoril residing at the home of a wealthy banker, Ricardo Espirito Santa Silva. It turned out to be one of the most turbulent periods of the Windsors’ lives involving a plot conceived by the German Foreign Minister, Joachim von Ribbentrop. Intending to return the Duke to the English throne once Germany had won the war, it was important that he remain in Europe.

Hitler had good reason to believe the Duke and Duchess were Nazi sympathizers and Winston Churchill became convinced they were a security risk. He ordered the Duke to take up employment as Governor of the Bahamas. He calculated that far away in the Caribbean he could do no harm.

A number of scare tactics were employed by the Nazis to convince the couple not to go.

The banker’s villa was stoned and windows

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The cast of ‘The Windsors in Portugal’ Photo by Peter Kain

THE WINDSORS IN PORTUGAL THEATRE IN SÃO BRÁS

broken. This was blamed on the British who it was claimed wanted to ‘liquidate’ the couple. An anonymous warning came in a bouquet of flowers sent to the Duchess telling her of “the machinations of the British Intelligence service”. Finally to deter them from leaving it was reported that a bomb had been planted on the ship they were about to board.

Like many other foreigners staying in neutral Portugal they lived in fear. Based on factual records there are other refugees included in the play that are longing to cross the Atlantic by ship or seaplane. Trying to reach members of their family in Quebec are the Empress Zita of Austria, Queen of Hungary and Bavaria and her daughter Archduchess Adelheid. In contrast to the royals there is the eccentric Jewish art collector Peggy Guggenheim attempting to book a passage on the Clipper to New York.

Throughout the play the audience is

entertained by the amusing cabaret performer and dancer, Josephine Baker.

She lives a clandestine lifestyle amongst the spies of Lisbon and adds more drama to this witty play. It covers a truly fascinating period of Portuguese history.

● ‘The Windsors in Portugal, 1940’ with a cast of nine actors, written and directed by Carolyn Kain ● To be staged in the English language at São Brás Museum. ● Evening performance – Friday December 13th at 7-30p.m. ● Matinees - Saturday 14th & Sunday 15th at 4p.m. ● Telephone for tickets – 966 329 073 ● Email for tickets: admin@amigos-museu-sbras.pt

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Blessed are…

How can we be one of the blessed

According to Jesus?

Come and delve and search and study His sermon and find out.

Join the discussion

As we look into

The Sermon on the Mount

Have a light meal and pass time at our house

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See Facebook for details: 'La Baguette Française De Tavira' Located close to the castle, 20 rua Dos Mouros Tavira T: 281 403 070 E: labaguettefrancaise.tavira@gmail.com

Martin and Beth Jackson

Beth 966 807 604

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om

Cara's Salon

Thai Massage

Ruy Barros

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13 Artesis Galleria

1 La Baguette

7 ibelle

1 2 3 6

To Tavira train station and Lidl

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Tavira Castle

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34

S

da Fonte sa da s

de

7 Terra Verde

6 To A Casa di

Carlo e Franco (Quatro Aguas)

Paint Shop (Oppostite the Gran Plaza)

6 To The Big Pink

7 To Y.A.M, Shala

(Oppostite the Municipal Swimming pool)

5 To Modern Feel

al 1

R. anu

a

nn t’A an mM

R. Silva Domingues Av. D o

To Maria Nova Hotel, Nomad Cocktail 3 & Tapas Bar

c Tavira Câmara t Tourist Information

BARS & CAFES 1 La Baguette 2 Somewhere Else (Daves Bar) 3 Nomad Cocktail & Tapas Bar

PLACES TO VISIT 1 Casas das Portas 2 Casas das Portas 3 Kozii store 4 Kozii store 5 Tavira D'Artes 6 Blossom 7 Ibelle 8 Aroma Ceramica 9 Aroma Ceramica 10 Aroma loja 11 Aroma loja 12 Aroma loja 13 Artesis Galeria

SERVICES 1 A.F.M. Accountants 2 Ibex Insurance 3 Rui Horta Lawyer 4 Maria Luisa Cabeçudo Solicitor 5 Casa Serviço 6 Big Pink Paint Shop

HEALTH & BEAUTY 1 Elle 2 Rui Barros 3 Thai Massage Expert 4 Buaka O Tavira 5 Modern Feel 6 Cara's Salon Y.A.M. Shala

REAL ESTATE 1 Land and Houses 2 LWL 3 Fastighetsbyrån 4 Proluna 5 Algar Vila 6 Livin Tavira

RESTAURANTS 1 Abstracto 2 La Petite France 3 Terraze 4 Copos and Petiscos 5 Mediterraneus 6 A Casa di Carlo e Franco 7 Terra Verde

Community

a R. d

eira s Fr s

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Restaurante

Abstracto Traditional Portuguese Cousine

• Foot Massage (Reflexology) • Oil Massage • Traditional Thai Massage • Therapeutic Massage for Pain Relief • Sport Massage (Deep Tissue) Av Dr. Mateus Teixeira de Azevado TAVIRA, 8800-379 Loja No 24 From the station walk down to center

Tel: Chuttcha +351 924 289 594 Vorakorn +351 925 431 636 Facebook: Thai Massage Expert

Thai Massage, Olhão

A typical Thai space, where you can find peace to enjoy different types of massages and personal care.

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

Avenida da Republica, 105, loja 12, 8700-308 Olhão Tel: 915 509 781 See Dok Mai on Facebook

Square

Rio Gilao

Roman Bridge Specialized in Property Management and Holiday Lettings in the Eastern Algarve.

Our office is in Tavira, where we have been based since 1989.

Rua Almirante Cândido dos Reis, 142 8800-318 Tavira www.casaservico.com Office hours: Monday to Friday – 09:00 until 13:00

Restaurante Abstracto

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Bishops Square Land line: 00 351 281 321 764

Mobile: 00 351 96 26 19 022

B I S T R O T AV I R A

Telephone 281 326 744, Rua João Vaz Corte Real 43, 8800 351, Tavira Open 12h00 till 23h00, Sundays from 18h00 Closed Monday's.

See Facebook 'Mediterraneus'

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♦Draught Guinness ♦Coors Light ♦Large selection of ciders ♦Hot & cold food served all day ♦Fun friendly atmosphere for all the family ♦Sky sports & BT sports ♦3pm Premiership kick offs Rua Almirante Candido dos Reis.

Tel 926 763 653.

35

PORTUGAL ALIVE

Paintings by Will Kellermann at the Museu Sao Bras January 2020

D

utch artist Will Kellermann is back in the Museu do Traje in São Brás de Alportal with a selection of Portuguese oil paintings. The previous exhibition here was a great success, with many paintings sold. In the studio near Moncarapacho she finished a series of typical Portuguese topics that she created on location (en plein air). Large formats, dynamic movement and vibrant colorite.

Will Kellermann paints 'live' in many countries - Italy, France, England - but the Portugal has won her love. That

is why she has a studio here as well as in Holland.

Will Kellermann is known as the painter of the 'Romantic Adventurism' and this is also the title of her book.

After a successful exhibition at the European Art Fair in Amsterdam last December, a selection of her work can now be seen in Museu do Traje São Brás in January 2020.

Vernissage Saturday January 18 from 19:00 to 21:00.

Admission is free.

New Osteopath in Tavira Osteopathy - Rehab Pilates Classes - Sports Massage

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(offer valid until 31/12/2019)

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37

Places

An honest

draught with Neil Caird Beth Jackson meets entrepreneur Neil Caird who has opened 'Afters Brewing Company' in Sao Bras.

I

was invited to a party in S.Bras, for which the host said “Don’t bring wine, the party is to promote a friend who brews beer. He will be selling it.” I dutifully took my purse, spurned the table where insurgents had accumulated wine, and went to the popup stand pumping beer. This is where I met Neil, who, with a strong Scottish accent refused my payment, saying, “I’m having such a good time, I’m giving it away!”

Neil: Ah didni know yi had yer purse wey yi.

Beth: (Ha ha) Did you start brewing as a hobby?

Neil: Yes, about 10 years ago, but the feedback I got from friends was so good

38

that I started selling it. Before I knew it, the hobby was growing arms and legs, and I was spending time with a buddy in Peebles who had a brewery called the Ales House Rock.

Beth: Great name!

Neil: I was considering early retirement when he asked me if I wanted to buy it, and I thought, “Yes, I’d like a brewery, but not here.” We had just got back from Christmas in the Algarve. So we sent down 2 pallets of beer, 4,000 bottles, which sold really well, which was encouraging.

Beth: It was surely quite a task to undertake, starting a brewery.

Neil: I worked as an oil engineer on the West Coast of Scotland…and I love to

cook.

Beth: So you had the skills sets to set it up.

Neil: Three of us worked together on it, three generation, Grandpa, my son Sam and myself. We also have a well-regarded brewer that helps from back home and several locals involved in the business. We opened the 'pilot brewery' in Vilamoura 2 years ago to find out if the adventure was really possible; it was. I then decided to expand and buy a new 10 barrel system and found the right place in Sao Bras.

The camera (town council) have been exceptional in welcoming us into the town. I can’t thank them enough.

Beth: How many beers do you produce?

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39

Neil: 5 core beers from Scotland. 2 created for S. Bras. They’re like the local beers in that they are not overpowering, they’re sweet, the same price, but with a stronger flavour.

Beth: Ok, and who is your market?

Neil: We target 3 demographics in the Algarve: the locals, the tourists and the ex-pats. Locals wouldn’t pay 10 cents more for anything, because the average earnings are very low. Ex-pats can’t live like holiday makers but are prepared to pay more for good beer. Holiday makers come for a fortnight to get hammered and spend everything that is in their pockets! We aren’t excessive with our prices though.

We make a point of calling ourselves a “Brewery” and not a “Craft Brewery”, because craft beers tend to be expensive,

40

and we don’t want that overtone.

Beth: I was pleasantly surprised when I tried your beer. Where are your outlets?

Neil: We have our beers in several bars in the Algarve from Sagres to Sao Bras.

We’re going to be opening the brewery soon with a tap room. We’ll give tours where you can sample the range of beers, and learn how to make beer. We have a 'brew kitchen' where you can design your own beer in 4 hours. This is where the lights come on and it becomes a “wow” experience; when you are tasting the malt grains, and selecting your favourite aromatic hops, your choice of beer ranges from a dark stout to light larger. Hops give the beer's distinctive flavours, which can vary from pine, herbal to tropical fruits and lemon; there are hundreds of different

hops you can use for adjusting profiles.

Using different yeasts also adds another factor. Yeast consumes the sugar creating CO2, the 'fizz', and of course alcohol.

Beth: That would be a great outing for residents to take visiting friends to, or a fantastic birthday present for a husband.

Great; and I know that your environmental footprint is close to your heart.

Neil: Yes, we only use natural products, even cleaning the machinery with enzymes you could wash your face with!

The brewing process also leaves us with large quantities of spent grain which we give to local farmers to use to augment animal feeds.

Beth: I’ve noticed while we’ve talked that when you mention prices they’re always refreshingly rock bottom.

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LAGAR

SANTA CATARINA Olive oil made from the olive trees owned by the local residents and farmers of the East Algarve region.

Olives are processed at the Mill (lagar) in Santa Catarina, Tavira, where the highest quality oil is produced.

Contact Lagar Santa Catarina to find your nearest stockist.

Rua Dr. Almeida Carrapato, nº 25 8800-166 Santa Catarina da Fonte do Bispo, Tavira – Algarve renato@lagarsantacatarina.pt TEL 966 781 094 / 281 971 122 WWW.LAGARSANTACATARINA.PT

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Neil: It is more important to me to create a greater awareness of what other types of beer exist and give the public a wider choice of good beer.

Beth: Do you have lots of bookings as we are coming up to the festive season?

Neil: I’ll be in the the Mar Shopping Mall in Loule for 3 days and 3 evenings with 5 other brewers. There are several small breweries about run by German, Russian, Brazilians, Norwegians, and of course local Algarvian brewers, which brings a great international range and style of beers. We help each other out when we can; exchanging knowledge and also collaborating on better material supply chains as well as collectively sharing costs for exporting. We realize that this is not a competition, people

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have their own tastes in the beer they prefer.

Beth: Is there some way that people could get in touch?

Neil: Just through Facebook.

Beth: I must say, I have been heartened by your integrity, Neil, by your environmental concerns, your pricing, and here, when you could have gotten some free advertising you haven’t seized the opportunity. Good luck with everything Neil.

And remember folks: Beer is like the sun…it rises in the yeast and sets in the waist! Ha ha.

Happy Christmas.

» Antiques » Collectables » Garden Ornaments » Architectural Salvage » Furniture Contact Mark on

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Looking for festive plants to add to your holiday dĂŠcor?

Consider adding these ten popular Christmas houseplants to your collection.

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10 Popular Christmas Houseplants www.eastalgarvemag.com

Gardens

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inter is a time when a lot of the color of the outdoor world has faded away. The leaves have fallen and white snow and grey skies are becoming more frequent.

Winter is also a time of happiness and cheer; a time that you spend with your loved ones.

Having festive plants in your home is a great way to brighten the atmosphere and bring a feeling of love, laughter, and joy to your Christmas gathering. This article will touch on some of the most popular Christmas houseplants and give you a few tips to help you properly care for these plants.

Christmas Plant Tips Many of the Christmas houseplants that we will be discussing on this list are tropical plants, which means that they will not do well in cold weather. Any amount of cold can begin a downhill spiral that will end in the death of the plant, so it is imperative to cover the foliage and keep the plant safe from the cold air as you bring it home from the store. Also, be aware of where the plant is positioned in the store. If it’s next to a drafty door, chances are that the plant may have already been fatally damaged.

Once you get the plant home, you need to position it in a location that maintains a consistent temperature. Tropical plants do not do well with a lot of fluctuation, so make sure that drafts do not reach its leaves. In addition, placing a Christmas plant on the mantle of your fireplace or near another heat source could dry out the soil and cause stress to the plant. Remember that these plants do not require a lot of water, so do not water them until the top of the soil appears dry to the touch.

Let’s take a look at some of the popular Christmas houseplants that you will adore this season.

Poinsettia A poinsettia is a pointed red flower that is often associated with the Christmas season.

It is most commonly seen in red, but this plant can also bloom in shades of pink and soft yellow. Since these tropical plants are forced to bloom during the holiday season, they need a little bit of extra care to get the plants to re-bloom. They grow best in direct sunlight and humid temperatures that remain between 65 and 75 degrees Fahrenheit.

Amaryllis Amaryllis is a plant that has been seen in homes around Christmas time more and more each year. The bell-shaped blooms are often beautiful shades of red that create a welcoming warmth in your home. Since these lovely plants are tropical, they do require relatively warm temperatures and humidity in the air. This is a plant that requires bright sunlight, but it should not be placed in direct sunlight though because this can hinder the bloom and result in a lack of color for your Christmas gathering.

Christmas Cactus Christmas cactus is a tropical plant that originates in the tropical rainforests of

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Gardens

southern Brazil. The flat, segmented stems of the plant remain green the majority of the year, but around the holidays, colorful red, orange, pink, purple, and white blooms form.

They grow best with moist soil and a lot of indirect sunlight. If you want to ensure that your Christmas cactus will bloom during the holiday season, then be sure to provide the plant with 12 hours of darkness each night for six to eight weeks before Christmas.

Holly Holly has been a part of the holiday season since it became part of the classic Christmas carol “Deck the Halls” nearly 150 years ago, but holly and berries have been a favorite to brighten the desolate winter since ancient times. The holly shrubs that we all know as traditional Christmas plants have pointed leaves, red berries, and small white blooms. Holly is a plant that requires full sun and well-drained soil that is a bit on the acidic side to grow properly.

Mistletoe Mistletoe is a symbol of love that we typically hang in our homes during the holiday season, but this plant is actually a parasitic plant, so growing it indoors means that you will need a host for the mistletoe to grow. Seeding can occur in soil, but once roots form, the plant will need to be placed in a host tree’s bark. It will take about four years for a mistletoe plant to mature, and male plants will not produce white berries.

Paperwhite Narcissus This is a delightful plant that stems from the Mediterranean.

It is a close relative of the daffodil, and it is also a plant that creates bell-shaped blooms that are extremely fragrant and perfect for your home during the holiday season. The stalks of this houseplant are typically

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about a foot to a foot and a half in height, and the blooms are star-shaped delicacies that are pure white in color. The blooms can be yellow or orange, but these varieties are often more rare.

Winter Cherry Winter cherry is a plant that blooms small white flowers in the summer, but they are mostly known for their tomato-like berries that can be seen near the Christmas holiday season. The longer the berries are on the stem, the redder they will become. These plants adore bright sunlight, but nothing

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that is too direct. They also need relatively cool temperatures, but nothing too drafty. In addition, this plant is also toxic so be careful if pets or small children are in your home.

Christmas Berry The Christmas berry is a shrub that can be found along most of the California coast.

The leaves of the plant are dark and glossy, and star-shaped flowers that are white and beautiful are produced in the summer months. During the winter season, the plant will yield fruits that are plump and red. The plant requires several hours of direct sunlight a day, and it also prefers to grow in warm temperatures with a high level of humidity.

Cyclamens Cyclamens plants are lovely Christmas plants that make your home feel more festive. It is a plant that originates from Europe and the Mediterranean area, and the blooms are often delightful shades of red that match the rest of your holiday décor. This plant is very particular when it comes to the temperature; in fact, temperatures below 40 degrees Fahrenheit or above 50 degrees Fahrenheit during the night or 68 degrees Fahrenheit are not tolerated at all.

Christmas Azaleas Azaleas are evergreen shrubs that produce bright red blooms that vary in hue. The plant is loved during the holiday season because it blooms during the winter months and continues into early spring. It is not a plant that likes a lot of direct sunlight; in fact, it actually likes to grow in partial shade conditions.

This plant enjoys relatively cool temperatures that do not rise above 68 degrees Fahrenheit, which is why it is such a great plant to have in your home during the winter months.

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Expert currency advice

By Emma Bullock from GC Partners

I

Making the most of your money abroad – Pensions and Mortgages

f you are transferring smaller amounts bank you could be charged anything from of money abroad for pensions or £10 to £40 for each transfer. If you’re making salary income or paying mortgages regular monthly payments this could result in and bills, then small fluctuations in charges of between £120 to £480 a year. By the exchange rate and any associated using a specialist foreign exchange provider bank charges could really impact the amount like GC Partners, you can remove or greatly of money you finally receive. Choosing to reduce these costs, saving yourself money. manage your currency transfers effectively or Secure the exchange rate fixing the exchange rate could result in your If you want to budget or plan ahead by money going further. knowing exactly how much you will receive Make big savings on fees from your pension every month or know International transfers can be costly. If you exactly how much your overseas mortgage is transfer your118x130.5 money overseas with your UK costing you, a forward contract GLO advert NEW STYLE V3.qxp_Layout 1 19/08/2019 11:31 Page 1could be the

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made simple

Since 2003, we’ve made it easy for over 100,000 people like you to transfer money to more than 125 markets across the world.

Last year alone, we transacted over $5bn in foreign currency and made more than 400,000 payments on behalf of our clients.

T. +44 (0) 203 974 4738 / +351 289 093 137 E. portugal@gcpartners.co www.gcpartners.co Visit our offices in Lagos and Vilamoura

right option for you. Giving you peace of mind to know exactly how much you will receive every month in Euro’s and removing the risk of exchange rate movements affecting you.

Flexible and regular solutions Being in control of when you transfer your money can give you the flexibility to take advantage of exchange rate fluctuations.

By purchasing your currency via your online account, you can choose when you transfer your money.

Save time by setting up a standing order each month and your currency exchange happens automatically without you having to take the time to make the transfers or remember to pay your mortgage every month.

Set up a standing order Once you have decided how much you need to transfer each month, you can set up a standing order with your UK bank to your foreign exchange provider. They will then process and send the foreign currency to your bank in time for your mortgage payment. You can do the same for your pension payment, once converted, funds will be sent to the bank account(s) of your choice.

Why not ask us for a foreign exchange health check, find out how we compare against your bank. This can be completed in only a few minutes and you might be surprised at the savings you can achieve. Contact us on Portugal: +351 289 093 137 or UK: +44 (0) 203 974 4738. It’s quick and with no obligation.

Or visit our website www.gcpartners.co Established in the UK in 2003, with an office in the Algarve since 2005, GC Partners have an experienced and friendly local team in Portugal and worldwide. Their specialists will help you maximize your returns when it comes to your foreign currency exchange requirements. That’s why they have a rating of 4.9 out of 5 on TrustPilot, one of the highest in the industry.

GC Partners is the new trading name of both Global Currency Exchange Network Limited (GCEN) and Global Custodial Services Limited (GCS).

Global Currency Exchange Network Limited T/A GC Partners is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, FRN 504346.

Global Custodial Services Limited T/A GC Partners is authorised and regulated by the FCA and holds Part IV Permissions under the FSMA 2000. Registration number 595875.

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Expert financial advice

By Mark Quinn, Partner, Blevins Franks

Time to take interest in your investment options

T

hese are challenging times for investors looking for growth with minimal risk, as bank interest rates around much of the world remain ultra-low. The UK rate has lingered at 0.75% for over a year – it is now over ten years since it was over 1%.

Elsewhere, the US Federal Reserve cut its interest rate for the first time in over a decade, and places like Japan and the eurozone are even enduring negative rates.

What does this mean for savers?

Unlike bank interest rates, inflation has continued to rise over the years. With average 2.3% inflation in the UK since 2010, most UK savings, ISA and deposit accounts are failing to keep up with the cost of living. Last year, the average 0.23% offered

by UK easy access savings accounts meant the average saver lost around £500 in real terms.

In this climate, achieving better returns than bank deposits means widening your investment horizons to consider ‘riskier’ assets.

However, it is crucial to factor in diversification and your personal appetite for risk.

Reducing investment risk Many people worry about the risks of investing money for growth but overlook that there are

also risks with leaving money in the bank – even the biggest financial institutions can fail.

While market dips can be unsettling, you can reduce risk by being invested for the medium to long-term in a well-diversified portfolio. The key is to spread investments across different regions, asset types and sectors to limit exposure in any one area, using a strategy matched to your particular situation, goals, timeline and risk appetite.

Spreading the timing of investments by investing capital in tranches – ‘pound (or euro/dollar) cost averaging’ – can also help smooth out volatility and potentially improve overall returns over longer time periods.

Currency and tax considerations Expatriates also need to factor in currency exchange costs. Once your key expenses are in euros, it can prove much more expensive to take income in pounds, especially amidst Brexit uncertainty.

To minimise conversion fees and exchange rate risk, explore investment options that enable currency diversification and flexibility. Some multi-currency arrangements allow you, for example, to invest in sterling now and switch to euros at a later date if you wish. You could also select the currency of withdrawals.

Spreading the timing of investments by investing capital in tranches – ‘pound (or euro/ dollar) cost averaging’ – can also help smooth out volatility and potentially improve overall returns over longer time periods.

Do not underestimate the impact of taxation too. Explore locally-compliant arrangements that can shelter capital from tax while providing a tax-efficient income in Portugal.

Establishing your approach For the best results, take personalised professional advice to establish a long-term, diversified strategy. With the right balance of risk and return for your peace of mind, you will be best placed to ride out this long low of interest rates, as well as currency or market turbulence in these uncertain times.

All advice received from Blevins Franks is personalised and provided in writing. This article, however, should not be construed as providing any personalised taxation or investment advice.

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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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Readers Q&A

I am a British citizen resident in Portugal with the Non-Habitual Residency status. Will Brexit have any implications in my personal circumstances?

No. After Brexit you will maintain the benefits arising from the tax regime of non-habitual residents.

I am resident in Portugal but not NHR. Do I have to declare my pension and pay tax here?

As a resident of Portugal, you must declare your worldwide income in Portugal. If you receive a pension and this was due to public functions (military pension or teacher’s pension, for example) then you declare this in Portugal, but they are not taxed. This is because according to the DTT (Double Taxation Treaty) agreements, the right to tax these pensions remains with the country where they are paid. So, you may be taxed at source, depending on the threshold in your country.

If the pension is private, then the tax is paid in the country where you are resident, which is Portugal. However, please note that the Portuguese IRS code, states that in case of Pensions and Annuities which include personal capital contributions, the portion corresponding to your personal contributions shall be deducted in determining the taxable amount. As in many cases this is not possible to calculate, then the tax code determines that only 15% of your income is liable for tax, which means that 85% of your pension is exempt from tax in Portugal.

I am a Swedish citizen living in Portugal and have the NHR status. As you already know the Swedish government and the Portuguese government have already committed to a long list of changes. Can you please tell me how this will affect me?

In fact, Portugal and Sweden’s Ministers of Finance have signed an amendment to the DTT

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executed between the two countries, with the objective of allowing Sweden the right to claim tax on pensions derived from its territory.

According to the information available at this stage, the DTT will remain in force and only a surgical amendment to the pensions’ clause will be made. Moreover, at this stage, the information available suggests that Sweden will be entitled to claim tax on all pensions after a transitional period of three years.

If, during a three-year period counted from the entry into force of the new DTT, Portugal starts claiming tax on Swedish pensions, then Sweden will not claim tax. However, if Portugal keeps the currently existing exemption under the NHR regime and/or does not start claiming tax on pensions through any other mechanism, then Sweden can immediately – once the transitional three-years’ period is over – start claiming tax on the pensions.

It is very important to note the signature of this agreement is only the formal beginning of the process to amend the DTT and it is still uncertain when a new DTT will actually be in force between the two countries.

In this context, we can bear in mind the timings of the renegotiation of the Portugal/Finland DTT, which began in 2013 – a new treaty was even agreed on in November 2016 and Finland fulfilled all the internal formalities for the new DTT to put it into force in 2017, whereas Portugal did not. As a result, Finland communicated the termination of the whole DTT with effect as of 1 January 2019.

Last but not least, please note that any NHR taxpayer can choose to pay taxes in Portugal, opting by the tax credit instead of full exemption.

This way they would be paying taxes here and avoiding the 25% tax in Sweden.

I am selling my property for €500.000 and will have a big capital gain. As I am a tax resident and this is my primary

Q

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

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residency, I am considering reinvesting in another property in the UK, in order to avoid paying this tax. However, due to Brexit I am not sure if I will make this reinvestment on time and I really do not wish to buy another property in Portugal. Do I have any other alternative? What is your advice?

There is a alternative as the Portuguese government amended Article 10 (capital gains) and now the scope of reinvestment is widened.

In the case of the sale of the house used as the primary residence of the taxpayer, you can reinvest in the purchase of an insurance contract, or individual membership of an open pension fund, or contribution to the publicfunded scheme. To make this possible, the following conditions must be met: ● The purchase of any of the ebove schemes must be made within six months from the date of realization ● If the investment is made through the acquisition of an insurance contract or individual membership of an open pension fund, they must exclusively provide the purchaser or his spouse with a regular periodic benefit, with a maximum annual amount of 7.5% of the amount invested ● The taxpayer needs to be retired, or a minimum of 65 years of age Last but not least, you may want to reinvest partially in a house and partially in one of these products – both types of reinvestment may coexist. However, each of them has its maximum deadline – reinvestment in a new property three years, and in a financial product six months.

If you have any other questions, please feel free to contact us; we aim our expertise and knowhow to work to your benefit, keeping you tax compliant while paying only the legal minimum.

Contact our office and book an appointment to find out about the tax strategy that might be more effective in your specific situation.

web: www.allfinancematters.com

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Solicitor specialising in: Real Estate Property Conveyancing Family law Power of Attorney English, French and Spanish speaking Telephone: +351 281 321 794 Mobile: +351 963 096 407 Email: lcabecudo@gmail.com Tr. Das cunhas n.º 35 8800-372 Tavira

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Expert financial advice

By Andy Oliver, deVere, Portugal.

No tax is popular, but this one attracts particular venom

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omiciles and inheritance tax are routinely seen as an atrocious snare by the government that stops people from disposing of their wealth as they see fit.

Over the last year more than £5 billion was collected from the inheritance tax alone. For expatriates, your local inheritance tax can be even trickier to understand in regards to your position in line with the UK’s Inheritance Tax, but with rates of 40% and above it pays to understand your situation and options.

Even if you have been living abroad for many years, it is still highly likely you are considered to be UK–domiciled, which brings you into the battlefront of inheritance tax. The UK Inheritance Tax Department will stick their jagged little fingernails into anything that could suggest you have intentions to return to the UK. Take for example the famous legal case of Richard Burton, the silver screen celebrity of the 50s ,60s and 70s. Born in Wales but he lived for many years in the USA before moving to Switzerland, where he finally ended his days.

Hearing of Richard Burton’s death, the UK tax authorities wasted little time and made an inheritance claim on the grounds that Burton had never been able to relinquish his UK domicile. It is important to point out that Burton didn’t own any assets or derive any income from the UK and thought he’d be able to legitimately avoid UK inheritance tax by dying in Switzerland.

However, many years previously, Burton had bought burial plots for himself and his exwife in Pontrhydyfen, Wales. This enabled the UK taxman to claim that Burton had always intended to return to the UK and was therefore deemed UK-domiciled. It is likely that his defence lawyer would have argued that this return would have only been after his death but the UK Revenue won the case and

£2.4m had to be paid to the Exchequer. to question. Beneficiaries might move to While it isn’t impossible to adopt a domicile a new country after a plan has been put in in a country of your choice, you will have to place, thus rendering the strategy ineffective. eliminate all ties with the UK; domicile law is Even with what may appear to be the most extremely sticky and complex. effective strategy at any given point in time, Everyone is born with a domicile; this is usually your domicile and how it affects inheritance related to your country of birth. However, there tax and succession planning is a changing are exceptions and contestable situations, landscape. Governments change legislation, such as an individual born in the UK to nonindividual’s circumstances are fluid and British parents. It is possible to lose this conflicts can arise between different country domicile of birth if you qualify for domicile tax codes. elsewhere. Essentially, you would need to The first step towards optimizing your plan is, disinvest yourself of all UK based assets, of course, to speak to a financial adviser. We property and financial interests. Thereafter at deVere Portugal are happy to help and offer you would establish yourself as a permanent a free consultation. With good planning, you resident in the country you are living in and can structure your wealth to take advantage intend to see out your days. The qualifying of all reliefs available and ensure you don’t period is generally based on not contributing leave your beneficiaries with an unnecessarily to the UK tax system for 3 consecutive tax large tax bill. years immediately before death and not being a UK resident for 17 of the previous 20 years.

Further complications arise for expats when they have assets based in the UK, or outside of the country they reside in. It is important to note that UK pensions held by someone who dies before reaching age 75 are free of inheritance tax; after that date, they do become taxable to their beneficiaries in the form of income tax. Rates vary from 45% to Personal Chauffeurs 55% depending on how benefits are taken Algarve and the tax position of the beneficiary.

The next complication comes when we are dealing with different principles of taxation.

We provide friendly and Most European countries apply Napoleonic laws of ‘succession’. In a nutshell, this means professional door to door succession taxes are borne by the beneficiary Airport, Bus and Train after the distribution is made. UK Inheritance Station Transfers to and from Tax Legislation is based on Anglo-Saxon anywhere in the Algarve. laws where tax is paid by the estate prior to distribution. Conflicting situations We such provideasfriendly and professional door to door Airport, Bus and Train St Other services include these are commonplace in the Transfers international to and from anywhere in the Algarve. Other services include Wed Weddings, Tours and Golf arena, making planning difficultTours and legislation and Golf transfers. Buses available for large groups. Advanced booking r transfers. Buses available open for large groups.

Leonor: (00351) 910 799 669

Advanced booking required.

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Wine

Ambassador praises Centre Algarve T

Britich Ambassador Chris Sainty and his wife Sarah visit Centre Algarve in Moncarapacho, By Chris Wright

hree years ago Essex businessman Andy Mahoney was awarded the prestigious ‘Points of Light Award’ by British Prime Minister Teresa May for his vision and tenacity in establishing Centre Algarve, Moncarapacho. The centre is thought to be the first in Europe for people with special needs and their families to be able to enjoy the experience of visiting a foreign culture in a safe environment. Recently British Ambassador Chris Sainty and his wife Sarah together with Vice Consul Clive Jewell visited the centre where they were welcomed by Belinda Willis. The wide range of birds and animals, that are a feature of the centre, help to encourage youngsters to relate to the environment as Sam Willis explained, “many

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youngsters come alive as they interacted with the meerkats, chipmunks, wallaby, goats and tricolour squirrels.” Amy Willis gave the guests a conducted tour of the facilities including the air-conditioned bedrooms with en-suite hygiene and wet rooms, discovery centre, soft play/sensory room as well as the American themed diner and children’s kitchen. Centre Algarve caters for individuals and groups from across the UK and Portugal where a charitable foundation has been established under the title of Causa Vibrante; the centre already has charitable status in the UK (24×7 Special Needs Holiday Trust). The monthly Quiz Nights at Centre Algarve organised by Jeff and Christina Tofts continue to attract a large following. The last event raise nearly 900euros with sixty-two quizzers split into

eleven teams; the Super 6 featuring Sylvie Murat, Nicky Steinberg, Sue & Andy Wilkins and Christine & Chris Wright took the honours by a mere half-a-point! On the 14th December a Grand Charity Ball takes place at Quinta dos Pinheiros, Quarteira (see poster). Tel. 915 488 897 or email: centrealgarvevents@gmail.com

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ABOVE: Vytas, Chris Wright and Brian Caldwell LEFT: Vytas at the Algarve Stadium prior to the game between Portugal and Lithuania.

BELOW: Memorial to those massacred at Simnas

A brief encounter A chance meeting on the train journey from Sintra to Lisbon where Chris Wright met Vytas from Lithuania

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port has created many lasting friendships and these can start in the most unlikely of circumstances. After a tight 2-1 win for Olhanense at 1st Dezembro, Vicki & Larry Bawden, Brian Caldwell and Chris Wright were making their way back from Sintra to Lisbon when they per chanced on an elderly gentleman who showed great interest in the Olhanense scarf.

Photos were taken and then Vytas opened his rucksack and produced a large flag of his village Simnas in southern Lithuania. Vytas was travelling through Portugal on his way to see his native country play Portugal at the Algarve Stadium. Simnas, the population is under two thousand, witnessed the horrors of WW2 in September 1941when four hundred & fourteen Jews were murdered 68 men, 197 women and 149 children - by a Nazi Einsatzgruppen in a mass execution.

A moving memorial is built on the site of the massacre.

The brief encounter may well develop further as emails are exchanged and a hands of friendship extend across nearly 4000kms of Europe.

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53

Sport

Above: Harry Kane & Jose Mourinho Main photo: Cristiano Ronaldo

RONALDO & MOURINHO MAKE THE HEADLINES

A

All the latest sports news from Chris Wright.

Cristiano Ronaldo hat-trick against Lithuania at the Algarve Stadium and a further strike in the 2-0 win in Luxembourg has moved the megastar to within one of a century of goals for his country. It was Ronaldo’s ninth international hat-trick since making his debut with his 99 goals coming in 164 games. CR7 now has his sights set on Ali Daei's (Iran) international goalscoring record of 109 goals in 149 appearances.

Likewise José Mourinho was making his mark

I

when going up against Ronaldo in the International Champions Cup clash, where he held his own. It shows that Mourinho has been keeping a close eye on Spurs, before taking over from Mauricio Pochettino. Another English team making waves are Wolverhampton Wanderers under former Valencia and FC Porto manager Nuno Espirito Santos. Portimão born João Moutinho scored a wonderful free-kick in the 2-1 win at Bournemouth that lifted Wolves to fifth place in the Premier League.

LOCAL TEAMS ON A HIGH

n the last twenty years archrivals Farense and Olhanense have yo-yoed between the Primeira Liga, Segunda Liga and Campeonato Portugal; the top three tiers of Portuguese football. SC Farense, thirty years

54

as he returned to management with Tottenham Hotspur who notched up their first away win in ten months. Former Algarve schoolboy Eric Dier, a fringe player under Pochettino, was in the starting line-up against West Ham and could now play a crucial role in Mourinho’s plans. The ’Special One’ drew his coaching staff’s attention to the fact that 20-year-old defender Japhet Tanganga marked Cristiano Ronaldo in a pre-season match in the Far East earlier this summer, when Spurs beat Juventus 3-2. Tanganga showed his credentials

ago Malcolm Allison was manager for a brief spell, are currently leading the Segunda Liga and hoping for a return to the top flight where they last appeared in 2002. A mere four kilometres down the road SC Olhanense,

a Premier Liga team just five years ago, are table toppers in the Campeonato Portugal Division D and looking to make the play-offs and promotion to the the Segunda Liga.

www.eastalgarvemag.com

CALL-UP FOR OLHANENSE PLAYERS

Esguedelhado (Sacavenense) is shown a red card

T

he 26 year-old defender Zach Muscat collected his 40th international cap for Malta in the 2-1 home defeat by Norway in the EURO 2020 qualifier. A few prior days prior to the game in Valetta, Muscat had been part of the Malta squad that lost 7-0 against Spain in Cadiz. 19 year-old Leandro Lelo, a product of the Olhanense youth system, made his debut for the Portugal U20 team that lost 4-0 to England and subsequently went down 2-0 to Germany.

Olhanense manager Vasco Faísca, 39, has been linked with a possible move to Sporting next season as they look to reinforce their coaching staff.

LEFT: Olhanense's Malta international Zach Muscat

Olhanense celebrate Caleb's goal

A

PROMOTION CONTENDERS

third of the way through the season and Olhanense are looking strong after winning their three games in November - Fabril Barreiro (home 5-0), 1st Dezembro (away 2-1) and Scavenges (home 1-0) - and opening up a four point gap at the top of the Campeonato Portugal. Rumours are that top scorer Sapara is wanted by Farense and could be on the move in January. Home games at the José Arcanjo Stadium, Olhão (behind McDonalds on the EN125) on Sunday 8th December against Amora FC and on Sunday 22nd December Oriental (Lisbon) will be the visitors. Both games kick-off at 3.00pm.

FARENSE CRASH OUT OF PORTUGAL CUP

T

he Segunda Liga leaders cemented their place at the top with six consecutive victories including the last three at home to Mafra (2-1) and away at Académica (2-1) & Varzim (3-1). Former Dundee United and Scotland U21 Ryan Gauld is enjoying his football after a torrid couple of years being loaned out by Sporting to V.Setúbal, Aves and Hibernian. Gauld joined Farense in July, signing a two-year contract with an option for a third year and a €4 million release clause. In the 4th round of the Portugal Cup the Faro based team suffered a shock 2-1 defeat at Sertanense (Castelo Branco district) where the home side ended the game with eight men having been reduced to 10-men seven minutes after the interval, with two further red cards being brandished by the referee in the last ten minutes!

Farense celebrate scoring in their game against Mafra

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